Document:

Exhibit 10.19

                            CONTRIBUTION AGREEMENT

                  CONTRIBUTION AGREEMENT (this "Agreement"), dated as of June
30, 1999, between Raven Funding LLC ("Assignor"), the D.L. Peterson Trust (the
"Origination Trust"), a business trust organized under the laws of the State
of Delaware ("Assignee").

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

          WHEREAS, the Assignor is the sole owner of the UTI, an undivided
beneficial interest in the Assignee;

          WHEREAS, the parties hereto desire to effect the contribution
and assignment by Assignor to Assignee of all of the right, title and interest
of Assignor to and under all the leases set forth on Schedule A (the
"Leases");

          WHEREAS, the parties hereto desire to effect the contribution and
assignment by Assignor to Assignee of all of the right, title and interest of
Assignor to and under all the vehicles set forth on Schedule B (the
"Vehicles"); and

          WHEREAS, the parties hereto desire to effect the contribution and
assignment by Assignor to Assignee of all of the right, title and interest of
Assignor to and under all the Fleet Receivables and the Receivables Property
transferred to the Assignee pursuant to the Receivables Purchase Agreement,
dated as of June 30, 1999 (as amended from time to time, the "Receivables
Purchase Agreement"), between the Assignor and PHH Vehicle Management Services
LLC ("VMS").

          NOW, THEREFORE, in consideration of the premises and the mutual
covenants and agreements herein contained, the parties hereto agree as
follows:

          1. Definitions. Capitalized terms used in the above recitals and in
this Agreement, and not defined in this Agreement, shall have the respective
meanings assigned to them in the Definitions List attached to the Base
Indenture, dated as of the date hereof, between the Issuer and The Chase
Manhattan Bank, as indenture trustee, as the same may be amended, supplemented
or otherwise modified from time to time, exclusive of Indenture Supplements
creating a new Series of Investor Notes (the "Base Indenture"). "Receivables
Property" shall have the meaning set forth in Annex X to the Receivables
Purchase Agreement.

          2. Contribution and Assignment. Assignor does hereby contribute,
sell, warrant, pledge, convey, assign, transfer and set over unto Assignee all
of its present and future right, title and interest in, to and under the
rights, interests, powers, privileges and other benefits, in each case whether
now owned or existing or hereafter acquired or arising and wherever the same
may be located in all of the following (all of which rights, being hereby
assigned and pledged, or intended so to be, are hereinafter collectively
referred to as the "Assigned Assets"):

<PAGE>

          (a) all Vehicles, together with: (i) all substitutions, renewals or
     replacements of the Vehicles or any part included therein, (ii) all
     proceeds, rents, income, revenues and profits to the Assignor therefor,
     (iii) all security interests in such Vehicles, (iv) all logs, books,
     records and other written materials pertaining to the Vehicles or any
     part included therein and all warranties of any kind relating to the
     Vehicles;

          (b) all the right, title, interest, claims and demands now held or
     hereafter acquired by the Assignor as lessor, in, to and under the
     Leases, together with all rights, powers, privileges, options, licenses
     and other benefits of the Assignor, as lessor, under each thereof,
     whether arising under the Leases, by law or in equity, including, without
     limitation:

               (i) all rights, if any, to leases of Vehicles;

               (ii) the immediate and continuing right to receive and collect
          all payments, insurance and disposition proceeds, condemnation
          awards and other payments, tenders and security of any kind now or
          hereafter payable or receivable by, or for the benefit or account
          of, the Assignor, as lessor, under the Leases;

               (iii) the right to (1) give or receive any instrument, notice
          or other communication, (2) exercise any election or option or
          accept any surrender of the Vehicle or any part thereof or grant any
          waiver, consent or other approval, and (3) enter into any amendment,
          supplement or other modification or agreement relating to the
          Leases;

               (iv) the right to take such action and exercise such rights and
          remedies upon the occurrence of a default under a Lease, including
          the commencement, conduct and consummation of legal, administrative
          or other proceedings, as shall be permitted by the Leases, or by any
          other law or in equity, and to do any and all other things
          whatsoever which the Assignor is or may be entitled to do under the
          Leases;

it being the intent and purpose hereof that the contribution, assignment and
transfer to the Assignee of said rights, powers, privileges, options, licenses
and other benefits shall be effective and operative immediately and shall
continue in full force and effect;

               (c) all the right, title, interest, claims and demands now held
          or hereafter acquired by the Assignor, in, to and under the Fleet
          Receivables and the Receivables Property, together with all rights,
          powers, privileges, options, licenses and other benefits of the
          Assignor, under each thereof, whether arising under the Fleet
          Receivables, by law or in equity, including, without limitation:

                    (i) all rights, if any, to the Fleet Receivables;

                    (ii) the immediate and continuing right to receive and
               collect all payments, insurance and disposition proceeds,
               condemnation awards and other payments, tenders and security of
               any kind now or hereafter payable or receivable by, or for the
               benefit or account of, the Assignor;

                                      -2-
<PAGE>

                    (iii) the right to (1) give or receive any instrument,
               notice or other communication, (2) exercise any election or
               option or grant any waiver, consent or other approval, and (3)
               enter into any amendment, supplement or other modification or
               agreement relating to the Fleet Receivables;

                    (iv) the right to take such action and exercise such
               rights and remedies upon the occurrence of a default under the
               Fleet Receivables and the Receivables Property, including the
               commencement, conduct and consummation of legal, administrative
               or other proceedings, as shall be permitted by the Fleet
               Receivables and the Receivables Property, or by any other law
               or in equity, and to do any and all other things whatsoever
               which the Assignor is or may be entitled to do under the Fleet
               Receivables and the Receivables Property;

it being the intent and purpose hereof that the contribution, assignment and
transfer to the Assignee of said rights, powers, privileges, options, licenses
and other benefits shall be effective and operative immediately and shall
continue in full force and effect;

          (d) each certificate of title or other evidence of ownership of a
     Vehicle issued by any applicable department, agency or official
     responsible for accepting applications for, and maintaining records
     regarding, certificates of title in the respective jurisdiction in which
     such Vehicle is registered;

          (e) the Receivables Purchase Agreement;

          (f) the Asset Sale Agreement;

          (g) any insurance policy and rights thereunder or proceeds
     therefrom, including without limitation, any policy of comprehensive
     collision, public liability, physical damage or personal liability
     insurance to the extent that any such policy applies to any Lease or
     Vehicle; and

          (h) all proceeds (as such term is defined in the Uniform Commercial
     Code of the State of New York, or any other applicable Uniform Commercial
     Code, each as in effect from time to time) of the foregoing, and in any
     event shall include, without limitation (i) "cash proceeds," (ii)
     "non-cash proceeds," (iii) all amounts payable as proceeds of insurance,
     as an award or otherwise in connection with any confiscation,
     condemnation, requisition or other taking of any Assigned Assets, and
     (iv) all amounts payable to the Assignor by any manufacturer, supplier or
     vendor of any of the Vehicles or any component thereof pursuant to any
     warranty or indemnity covering any Vehicle, in each case whether now
     owned or existing or hereafter acquired or arising, or acquired or
     arising before or after the commencement of any bankruptcy proceeding by
     or against the Assignor; and (v) all monies and securities deposited or
     required to be deposited with the Assignor pursuant to any term of the
     Assigned Assets or required to be held by the Assignor hereunder or
     thereunder.

          3. Assumption. In consideration of the contribution and assignment
set forth in Section 2 above, the Assignee hereby accepts the contribution and
assignment of the Assigned

                                      -3-
<PAGE>

Assets and assumes and undertakes and agrees to perform and discharge all of
the duties and obligations of Assignor with respect to the Leases whenever and
wherever accrued.

          4. Release of Assignor. As of the date hereof, Assignor shall be
relieved of all its liabilities under the Leases.

          5. Payments. Assignor hereby covenants and agrees to pay over to
Assignee, if and when received following the date hereof, any amounts
(including any sums payable as interest in respect thereof) paid on account of
the Assigned Assets to or for the benefit of Assignor; and Assignee hereby
covenants and agrees to pay over to Assignor, if and when received following
the date hereof, any amounts (including any sums payable as interest in
respect thereof) paid to or for the benefit of Assignee that are not
attributable to the Assigned Assets and to which Assignor is otherwise
entitled.

          6. Representation by Assignor. As of the Initial Closing Date,
Assignor hereby represents and warrants to Assignee that none of the Assigned
Assets transferred by Assignor on such date has been contributed, sold,
transferred, assigned or pledged by Assignor to any Person other than
Assignee. Immediately prior to the transfer and assignment contemplated
herein, Assignor had good title to such Assigned Assets free and clear of all
Liens and, immediately upon the transfer thereof hereunder, Assignee will have
good title to such Assigned Assets, free and clear of all Liens, and the
transfer of such Assigned Assets by Assignor to the Assignee has been
perfected under the UCC.

          7. Indemnities of Assignor. Assignor shall defend, indemnify, and
hold harmless Assignee, to the extent that the Assignee does not acquire
perfected first priority ownership of the Assigned Assets, from and against
the failure to vest perfected first priority ownership of the Assigned Assets.

          8. Protection, Right, Title and Interest. (a) Assignor shall take
such necessary actions and precautions and actions to preserve, maintain, and
protect the interest of Assignee in the Assigned Assets and proceeds thereof.

          (b) Assignor shall, at its own expense, on or prior to the Initial
     Closing Date, indicate in its computer files created in connection with
     the Assigned Assets for such Initial Closing Date that such Assigned
     Assets have been transferred, assigned and conveyed to the Trust pursuant
     to this Agreement.

          (c) Assignor shall execute and file such financing statements, and
     cause to be executed and filed such continuation and other statements,
     all in such manner and in such places as may be required by law fully to
     perfect and preserve the transfer, assignment and conveyance hereunder to
     the Issuer of the Assigned Assets and in the proceeds thereof. Assignor
     shall deliver (or cause to be delivered) to the Issuer file-stamped
     copies of, or filing receipts for, any document filed as provided above,
     as soon as available following such filing.

          (d) Assignor shall not change its name, identity or limited
     liability company structure in any manner that would, could or might make
     any financing statement or continuation

                                      -4-
<PAGE>

     statement filed by Assignor in accordance with this Agreement seriously
     misleading within the meaning of Section 9-402(7) of the UCC, unless it
     shall have given the Issuer and the Indenture Trustee at least 30 days
     prior written notice thereof and shall file such financing statement or
     amendments as may be necessary to continue the perfection of the Trust's
     interest in all Assigned Assets sold, transferred, conveyed and assigned
     hereunder.

          (e) Assignor shall give the Trust, the Issuer and the Indenture
     Trustee at least 30 days prior written notice of any relocation of its
     principal executive office if, as a result of such relocation, the
     applicable provisions of the UCC would require the filing of any
     amendment of any previously filed financing or continuation statement or
     of any new financing statement. Assignor shall at all times maintain its
     principal executive office within the United States of America.

          9. GOVERNING LAW. THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED
IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK.

          10. Counterparts. This Agreement may be executed in any number of
counterparts, all of which together shall constitute a single agreement. It
shall not be necessary that any counterpart be signed by both parties so long
as each party shall sign at least one counterpart.

          11. Further Assurances. Each party agrees that from time to time
after the date hereof, it shall execute and deliver or cause to be executed
and delivered such instruments, documents and papers, and take all such
further action as may be reasonably required in order to consummate fully the
purposes of this Agreement and to implement the transactions contemplated
hereby.

          12. Amendment. (a) This Agreement may be amended form time to time
by a written amendment duly executed and delivered by Assignor and Assignee,
but without the consent of any other Person, to correct any inconsistency or
cure any ambiguity or errors in this Agreement only in a manner that would
have no adverse effect on any Investor Noteholder or any Preferred Member.

          (b) This Agreement may be amended from time to time by a written
     amendment duly executed and delivered by Assignor and Assignee, with the
     consent of the Issuer and of the Indenture Trustee so long as any Series
     of Investor Notes is outstanding.

          (c) Prior to the execution of any such amendment or consent,
     Assignee shall furnish at least five (5) Business Days prior written
     notification of the substance of such amendment or consent to each Rating
     Agency with respect to each Series of Investor Notes and each series of
     Preferred Membership Interests. No later than ten (10) Business Days
     after the execution of such amendment or consent, Assignor shall furnish
     a copy of such amendment or consent to each Rating Agency with respect to
     each Series of Investor Notes and each Series of Preferred Membership
     Interests and the Indenture Trustee.

                                      -5-
<PAGE>

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

                                    RAVEN FUNDING LLC, as Assignor

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

                                     D.L. PETERSON TRUST, as assignee

                                     By:  Wilmington Trust Company, not in its
                                          individual capacity but solely as
                                          Delaware Trustee and SUBI Trustee

                                     By:  PHH VEHICLE MANAGEMENT
                                            SERVICES LLC, as UTI Trustee

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

                                      -6-
<PAGE>

                                  Schedule A
                                List of Leases

     See the computer tape delivered to the UTI Trustee and the Indenture
Trustee

<PAGE>

                                  Schedule B
                               List of Vehicles

     See the computer tape delivered to the UTI Trustee and the Indenture
TrusteeExhibit 10(1)

                             KELLER & COMPANY, INC.
                       FINANCIAL INSTITUTIONS CONSULTANTS
                              555 METRO PLACE NORTH
                                    SUITE 524
                               DUBLIN, OHIO 43017
                                 (614) 766-1426
                               (614) 766-1459 FAX

March 31, 2001

The Board of Directors
Michigan City Savings & Loan Association
2000 Franklin Street
Michigan City, Indiana   46360

Re: Business Plan Proposal

Attention: Thomas F. Swirski, President

This letter  represents  our  proposal to prepare a complete  business  plan for
Michigan   City   Savings  and  Loan   Association   ("Michigan   City"  or  the
"Association")  to fulfill the requirements of the Office of Thrift  Supervision
("OTS") relating to the Association's  stock conversion.  The plan will focus on
Michigan  City's  new  three-year  pro  formas,  the  conversion  impact  on the
Association, the planned use of proceeds and internal strategies.

Keller & Company is experienced in preparing  business plans for filing with and
approval by all regulatory agencies. We prepared thirty-four in 1998, thirty-two
in 1999, and thirty-three in 2000, and all have been approved. Your plan will be
based on the format  provided  in the  attached  Exhibit A. We will  prepare the
three-year pro formas and each discussion  section in accordance with regulatory
requirements  and based on your  input.  Our  objective  is to ensure  that your
business  plan is a meaningful  planning  tool for the future,  is in compliance
with all  applicable  requirements,  and that  management  and  directorate  are
knowledgeable  of  and  comfortable   with  the  assumptions,   commitments  and
projections contained in the plan, making the plan useful for the future.

Exhibit B  provides a sample set of typical  pro  formas.  Your pro formas  will
incorporate  the most current  interest  rate  projections  provided by OTS. Our
procedure  is to  request  key  financial  information,  including  TFR  and LMR
Reports,  investment  portfolio mix, recent lending activity,  savings activity,
costs and yields and other data from  Michigan  City.  Based on a review of this
information,  I will  then  meet  with  management  to  discuss  your  plans and
expectations for the remainder of 2001,  2002, 2003 and 2004,  focusing on items
such  as  use  of  proceeds,  deposit  growth  expectations,   loan  origination
projections,   new  products  and  services,   increases  in  general  valuation
allowance,  new branches,  capital  improvements  and increases in fixed assets,
investment strategy,  changes in board fees, changes in staffing and annual rise
in total  compensation.  We will then prepare  financial  projections  tying the
beginning figures to your June 30, 2001,  balances,  incorporating  your current
yields on  interest-bearing  assets and your current  costs of  interest-bearing
liabilities.  Assets  and  liabilities  will  then be  repriced  based  on their
maturity period, with such items tied to rate indices and their yields and costs
adjusting based on interest rate trends. Due to the importance of completing the
business plan in a timely manner,  we would  recommend  using the  Association's
March 31, 2001,  financials  initially,  in order to begin  preparing  financial
projections  and  providing  you and your  board  with  ample time to review the
projections.  When the Association's June 30, 2001, financials are completed, we
will then insert these new balances and yields and costs.  The business  plan is
based on the June 30, 2001,  financials from the Association's  TFR Report,  not
the audited financials to be completed

The projections will be based to some extent on your actual  performance in 2000
and year-to-date  2001, in conjunction  with the input from our discussions.  We
can introduce  numerous scenarios for internal use as part of the preparation of
the business plan to show the impact of alternative strategies and the impact of
different  levels of proceeds,  recognizing  that the Business  Plan to be filed
must be based on the  midpoint  valuation.  We will  also  address  the issue of
interest rate risk, which is a key issue with regulators,  to demonstrate future
compliance with the Association's Interest Rate Risk Policy.

With  each set of pro  formas,  we will  send you a  discussion  summary  of the
assumptions  for easy review and comments  (Exhibit C). After your review of the
pro formas, we will make any adjustments that are requested. When the pro formas
are complete, we will provide you with the final pro forma financial statements,
as well as pro formas for the holding company (Exhibit D).

With regard to the business  plan text,  we will  complete each section in draft
form for your  review,  and  revise  each  section  based on your  comments  and
requests. We will also send a copy to your counsel for their input and comments.
The plan will be in full  compliance with all regulatory  requirements.  We also
prepare a quarterly  comparison  chart each quarter  after the  conversion at no
charge for your  presentation  to the board,  showing the quarterly  variance in
actual performance relative to projections and provide comments on the variance.
We will also prepare a presentation  outline for management's  required business
plan meeting with the regional office of the OTS in Chicago. Such representation
outline has been used by clients  for  meetings  in  Atlanta,  Chicago,  Dallas,
Boston and San Francisco.

Our fee for the  preparation of the business plan text and pro formas is $6,000,
including  out-of-pocket  expenses for travel, copying and binding not to exceed
$500.

I look  forward to possibly  working  with you and will plan to meet with you to
discuss our proposition on June 7, 2001, at 2:00 p.m.

Sincerely,

KELLER & COMPANY, INC.

/s/ Michael R. Keller
---------------------
Michael R. Keller
President

MRK:jmm
enclosure

Accepted this 14th day of June , 2001.

/s/  Thomas F. Swirski
--------------------------------------------
Thomas Swirski, President

<PAGE>

                             KELLER & COMPANY, INC.
                       FINANCIAL INSTITUTIONS CONSULTANTS
                              555 METRO PLACE NORTH
                                    SUITE 524
                               DUBLIN, OHIO 43017
                                 (614) 766-1426
                               (614) 766-1459 FAX

March 31, 2001

The Board of Directors
Michigan City Savings & Loan Association
2000 Franklin Street
Michigan City, Indiana   46360

Re: Conversion Valuation Agreement

Attn: Thomas Swirski, President

     Keller & Company,  Inc. (hereinafter referred to as KELLER) hereby proposes
to prepare an independent  conversion  appraisal of Michigan City Savings & Loan
Association  (hereinafter  referred  to as  "MICHIGAN  CITY"),  relating  to the
conversion  of MICHIGAN CITY from a mutual to a stock  institution.  KELLER will
provide a pro forma  valuation  of the market  value of the shares to be sold in
the proposed conversion of MICHIGAN CITY.

     KELLER is a financial  consulting firm that primarily  serves the financial
institution industry.  KELLER is experienced in evaluating and appraising thrift
institutions and thrift institution holding companies.  KELLER is an experienced
conversion  appraiser for filings with the Office of Thrift Supervision  ("OTS")
and the Federal Deposit Insurance Corporation ("FDIC"),  and is also approved by
the Internal Revenue Service as an expert in bank and thrift stock valuations.

     KELLER agrees to prepare the conversion appraisal in the format required by
the OTS in a timely manner for prompt filing with the OTS and the Securities and
Exchange Commission. KELLER will provide any additional information as requested
and will complete  appraisal updates in accordance with regulatory  requirements
and based on market conditions.

     The appraisal report will provide a detailed  description of MICHIGAN CITY,
including its financial condition,  operating  performance,  asset quality, rate
sensitivity  position,  liquidity  level  and  management  qualifications.   The
appraisal will include a description of MICHIGAN  CITY's market area,  including
both economic and demographic  characteristics  and trends. An analysis of other
publicly-traded  thrift institutions will be performed to determine a comparable
group, and adjustments to the appraised value will be made based on a comparison
of MICHIGAN CITY with the comparable  group and  recognizing the risk related to
an initial public offering

     In making  its  appraisal,  KELLER  will rely upon the  information  in the
Subscription  and  Community  Offering  Circular  (Prospectus),   including  the
financial  statements.  Among  other  factors,  KELLER  will also  consider  the
following:  the present and projected  operating results and financial condition
of MICHIGAN CITY;  the economic and  demographic  conditions in MICHIGAN  CITY's
existing marketing area;  pertinent  historical  financial and other information
relating to  MICHIGAN  CITY;  a  comparative  evaluation  of the  operating  and
financial  statistics of MICHIGAN CITY with those of other thrift  institutions;
the  proposed  price per share;  the  aggregate  size of the  offering of common
stock;  the impact of the  conversion on MICHIGAN  CITY's  capital  position and
earnings potential;  MICHIGAN CITY's proposed initial dividend,  if any; and the
trading market for securities of comparable  institutions and general conditions
in the market for such securities. In preparing the appraisal,  KELLER will rely
solely  upon,  and  assume the  accuracy  and  completeness  of,  financial  and
statistical  information  provided by MICHIGAN CITY, and will not  independently
value  the  assets or  liabilities  of  MICHIGAN  CITY in order to  prepare  the
appraisal.

     Upon   completion  of  the  conversion   appraisal,   KELLER  will  make  a
presentation to the board of directors of MICHIGAN CITY to review the content of
the appraisal,  the format and the assumptions.  A written  presentation will be
provided to each board member as a part of the overall presentation.

     For its  services in making this  appraisal,  KELLER's fee will be $18,000,
including  out-of-pocket  expenses not to exceed $500.  The  appraisal  fee will
include the  preparation  of one  valuation  update and any  requested  analysis
regarding the  financial  impact of a charitable  foundation  in the  conversion
appraisal. All additional valuation updates will be subject to an additional fee
of $1,000 each.  Upon the  acceptance of this  proposal,  KELLER shall be paid a
retainer  of $3,000 to be applied to the total  appraisal  fee of  $18,000,  the
balance of which will be payable at the time of the completion of the appraisal.

     MICHIGAN  CITY agrees,  by the  acceptance of this  proposal,  to indemnify
KELLER  and its  employees  and  affiliates  for  certain  costs  and  expenses,
including  reasonable  legal  fees,  in  connection  with  claims or  litigation
relating  to  the  appraisal  and  arising  out of any  misstatement  or  untrue
statement of a material fact in information  supplied to KELLER by MICHIGAN CITY
or by an  intentional  omission by MICHIGAN CITY to state a material fact in the
information  so provided,  except where KELLER or its employees  and  affiliates
have been negligent or at fault.

     KELLER agrees to indemnify  MICHIGAN CITY and its employees and  affiliates
for certain cost and expenses,  including  reasonable  legal fees, in connection
with claims or  litigation  relating to or based upon the  negligence or willful
misconduct of KELLER or its employees or affiliates.

<PAGE>

     This  proposal  will be  considered  accepted upon the execution of the two
enclosed copies of this agreement and the return of one executed copy to KELLER,
accompanied by the specified retainer.

                                     KELLER & COMPANY, INC.

                                     By:      /s/ Michael R. Keller
                                              --------------------------
                                              Michael R. Keller
                                              President

                                     MICHIGAN CITY SAVINGS & LOAN
                                      ASSOCIATION

                                     By:      /s/ Thomas F. Swirski
                                              --------------------------
                                              Thomas Swirski, President

                                     Date:    6/14/01
                                              --------------------------

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