Document:

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                                                                   Exhibit 10.12

December 21, 2001

Mr. Leo A. Schrider
2962 Wildridge, N.W.
Massillon, Ohio  44646

Dear Leo:

This Letter of Agreement summarizes the discussions which we have had concerning
your transition into retirement over the next two years. The terms are as
follows:

    1.   Subject to earlier termination as set forth in Paragraph 14, this
         arrangement will be in effect from January 1, 2002 through December 31,
         2003 (the "Transition Period").

    2.   Effective January 1, 2002, you will be classified as a part-time
         employee of the Company.

    3.   During the Transition Period, you will work as a part-time employee
         approximately ten hours per week on average, performing such duties as
         may be assigned.

    4.   During the Transition Period, you would receive the full base salary
         which you are receiving as of December 31, 2001, i.e., $145,948.37 per
         year.

    5.   You would qualify for any applicable executive year-end bonus for
         calendar year 2001.

    6.   Prior stock options granted to you become 100% vested upon your
         execution of this Agreement.

    7.   Belden will pay the full cost of medical and dental insurance coverage
         through June 30, 2002. You may thereafter pick up the cost at the COBRA
         rate until you are eligible for Medicare. In the event of your death,
         your current wife may continue to purchase at the COBRA rate until age
         65 unless she were to remarry or go to work for any employer which
         offers medical benefits.

    8.   After December 31, 2001, you will not be eligible to participate in any
         other benefit plan of the Company.

    9.   During the Transition Period, you would be reimbursed for reasonable
         out-of-pocket expenses incurred in your part-time position with the
         Company.

    10.  You would maintain an office at Belden, along with access to computer
         and other support services. This arrangement will continue at the sole
         discretion of the CEO.

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Page 2.
December 21, 2001
Leo A. Schrider

    11.  During the Transition Period, you would not perform work of any kind
         for any other entity, whether as an employee or as a contractor or
         consultant, without my prior express written authorization.

    12.  Dave Wozniak will assume your current responsibilities as of January 1,
         2002, and thereafter you will report to Dave.

    13.  This Agreement will be considered to be your request for part time
         employment effective December 31, 2001, and resignation as a part time
         employee effective December 31, 2003, or an earlier date of termination
         pursuant to Paragraph 14.

    14.  This Agreement may be terminated by either Belden or you at any time
         prior to December 31, 2003, upon ten days written notice. If the
         agreement is terminated, any remaining salary payable through December
         31, 2003, as provided in Subsection 4 of this letter will be paid in
         one lump sum payment within thirty days of written notice of the
         termination of the agreement by either Belden or you. The terms of
         Paragraphs 6, 7 and 16 will survive any termination of this Agreement.

    15.  The acceptance of the terms of this Agreement constitutes a waiver of
         any claim you may have for severance pay of any kind under any other
         agreement or Belden policy.

    16.  You agree that during your employment and permanently following the end
         of your employment you will not disclose to any person, firm,
         association, partnership, entity or corporation, other than in
         discharge of your duties or pursuant to a court order or in discovery
         proceedings in which you are required to present evidence or testimony
         in a matter associated with Belden's business dealings, any information
         concerning Belden's business, including: (i) the business operations or
         internal structure of Belden; (ii) Belden's customers; (iii) Belden's
         financial condition; and (iv) other confidential information including
         but not limited to trade secrets, technical data, sales figures and
         forecasts, marketing analyses and studies, customer and price lists,
         including any and all of the foregoing confidential information of any
         affiliates or subsidiaries of Belden. All papers and records of every
         kind, including all memoranda, lists, tapes, notes, sketches, designs,
         plans, data, telephone lists, address lists, rolodexes, customer lists,
         price lists and other documents, whether made by your or Belden
         relating in any way to the business and affairs of Belden, its
         successors, affiliates and subsidiaries or to any business or field of
         investigation of Belden which shall at any time come into your
         possession or control, shall be the sole and exclusive property of
         Belden and you shall surrender these to Belden at any time upon request
         from Belden.

                                       2
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Page 3.
December 21, 2001
Leo A. Schrider

If the terms of this Agreement are acceptable to you, please sign and return a
copy to me no later than December 31, 2001.

Sincerely,

/s/ John L. Schwager
---------------------------------------
John L. Schwager
President & Chief Executive Officer

Accepted this 21st day of December, 2001

/s/ Leo A. Schrider
-----------------------------------------
Leo A. Schrider

                                       3<PAGE>
                                                                    Exhibit 10.5

                   FOURTH AMENDMENT TO RESTATED LOAN AGREEMENT
                   -------------------------------------------

                  THIS FOURTH AMENDMENT TO RESTATED LINE OF CREDIT LOAN
AGREEMENT, is entered into as of the 31st day of May, 2000, by and between
METROPOLITAN FINANCIAL CORP., an Ohio Corporation (the "Borrower"), and THE
HUNTINGTON NATIONAL BANK (the "Bank").

                                   WITNESSETH
                                   ----------

                  WHEREAS, the Borrower and the Bank entered into a Restated
Loan Agreement dated as of February 22, 1995, which restated the Loan Agreement
dated February 22, 1995 between the parties hereto (such Loan Agreement, as
amended by the amendments thereto and as restated by such Restated Loan
Agreement, as amended by the First Amendment thereto dated March 31, 1998, the
Second Amendment thereto dated December 18, 1998, and the Third Amendment
thereto dated May 28, 1999, is referred to herein as the " Loan Agreement");

                  WHEREAS, at the request of the Borrower, the Bank has agreed
to modify certain provisions of the Loan Agreement, including an extension of
the maturity date; and

                  WHEREAS, the Borrower and the Bank have agreed to further
amend the Loan Agreement as set forth herein and to enter into this Amendment to
effectuate such agreement. Terms defined in the Loan Agreement shall, unless
otherwise defined herein, have the meaning ascribed therein. All references to
"Paragraphs" or "Sections" herein are reference to paragraphs and sections of
the Loan Agreement.

                  NOW, THEREFORE, for valuable consideration, the sufficiency of
which is hereby acknowledged by the parties, the parties do hereby amend the
Loan Agreement and agree as follows:

                  1.       The May 31, 2000 maturity date referred to in Section
                           5.01(A)(2) is hereby extended to July 28, 2000.

                  2.       The parties acknowledge that there have been
                           violations of the covenant relating to return on
                           assets ("ROA") of Metropolitan Bank and Trust
                           provided for Section 6.01(H) of the Loan Agreement,
                           and the Bank waives any such violations occurring not
                           later that July 28, 2000.

                  Except as otherwise provided, all amendments to the Loan
Agreement set forth herein shall be deemed effective from and after the date of
this Amendment. All references in the Loan Agreement to this "Agreement",
"hereof", "herein", "hereunder" or "hereby" shall, from and after the date of
this Amendment, be deemed references to the Loan Agreement as amended by this
Amendment.

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                  In all other respects, the parties hereto hereby ratify and
affirm the terms and conditions of the Loan Agreement.

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

THE BANK:                             THE BORROWER:

THE HUNTINGTON NATIONAL BANK          METROPOLITAN FINANCIAL CORP.

By: _________________________________       By: ______________________________
Name:_______________________________        Name:____________________________
Title:________________________________      Title:_____________________________

                                       2<PAGE>
                                                                    Exhibit 10.9

                               SECOND ADDENDUM TO
                               ------------------
                   SIXTH AMENDMENT TO RESTATED LOAN AGREEMENT
                   ------------------------------------------

                  THIS SECOND ADDENDUM (this "Second Addendum") is attached to
and made a part of the Sixth Amendment to Restated Loan Agreement dated as of
May 31, 2001 (the "Sixth Amendment"), executed by, between and among
METROPOLITAN FINANCIAL CORP., an Ohio Corporation (the "Borrower"), ROBERT M.
KAYE (the "Guarantor") and THE HUNTINGTON NATIONAL BANK (the "Bank").

                                   WITNESSETH
                                   ----------

                  WHEREAS, pursuant to the Sixth Amendment, the parties agreed
to reset the return on assets ("ROA") covenant on or before August 31, 2001,
which covenants were reset pursuant to the Addendum to Sixth Amendment to
Restated Loan Agreement dated as of October 16, 2001; and

                  WHEREAS, the parties desire to reset such covenants and
establish a date when the Rights Offering shall be completed.

                  NOW, THEREFORE, for valuable consideration, the sufficiency of
which is hereby acknowledged by the parties, the parties do hereby agree that
the following changes are incorporated into the Sixth Amendment as if originally
a part thereof:

                           1.       Section 6.01(H) of the Loan Agreement is
                                    hereby amended to read as follows:

                                    "(H) As of each calendar quarter-end
                                    specified herein, Metropolitan Bank and
                                    Trust shall maintain an ROA ratio on a
                                    weighted average basis for the preceding
                                    three quarters, of a t least (1) 0.10% as of
                                    March 31,2002; (2) 0.20% as of June 30,
                                    2002; and (3) 0.35% as of September 30, 2002
                                    and all calendar quarter-ends thereafter.
                                    Bank agrees to waive compliance with the
                                    prior established ROA ratio for the period
                                    ending December 31, 2001."

                           2.       The parties acknowledge that the Rights
                                    Offering shall be completed on or before
                                    March 31, 2002 and on such date Metropolitan
                                    Bank and Trust shall have core and risk
                                    based capital in excess of "well
                                    capitalized" as that term is defined in 12
                                    C.F.R. Sec. 565.4(b)(1). In the event the
                                    Rights Offering has not been completed by
                                    such date, Borrower shall pay Bank a fee of
                                    $50,000.00 and the interest rate on the Loan
                                    shall increase to Prime plus 1% commencing
                                    April 1, 2002.

         Except as otherwise provided, all amendments to the Loan Agreement set
forth herein shall be deemed effective from and after the date of this Amendment
and this Second Addendum. All references in the Loan Agreement to this
"Agreement", "hereof", "herein", "hereunder" or "hereby" shall, from and after
the date of this Amendment, be deemed references to the Loan Agreement as
amended by this Amendment and this Second Addendum.

         In all other respects, the parties hereto hereby ratify and affirm the
terms and conditions of the Loan Agreement.

                                       1

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                  IN WITNESS WHEREOF, this Second Addendum has been duly
executed by the parties hereto as of the 7th day of January, 2002.

                                     METROPOLITAN FINANCIAL CORP.

/s/ Robert M. Kaye                   By:/s/ Kenneth T. Koehler
------------------                      ----------------------
Robert M. Kaye                           Kenneth T. Koehler, President

                                     THE HUNTINGTON NATIONAL BANK

                                      By: /s/ John R. Macks
                                         ----------------------------------
                                         John R. Macks, Vice President

                                       2

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