Document:

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                                                                   Exhibit 10.55

October 25, 1999

Andrew J. Schindler

         Re:  Amendment to Participation Agreement -
              R.J. Reynolds Supplemental Executive Retirement Plan

Dear Andy:

         You are a Participant in the R.J. Reynolds Supplemental Executive
Retirement Plan, as modified by the Participation Agreement between you and the
Company dated December 28, 1995 (the "Participation Agreement"). The
Participation Agreement currently provides that "[i]n the event of a Change of
Control (as defined in the RJR Nabisco Holdings Corp. Long Term Incentive Plan),
your benefits will be funded in a Rabbi Trust." As a result of the spinoff of
R.J. Reynolds Tobacco Holdings, Inc. from Nabisco Group Holdings Corp. on June
14, 1999, the definition of "Change of Control" should be amended to refer to a
Change of Control of R.J. Reynolds Tobacco Holdings, Inc.

         Accordingly, the Participation Agreement hereby is amended by deleting
the fourth paragraph in its entirety and inserting in its place the following
language:

                  In the event of a Change of Control (as defined in the R.J.
                  Reynolds Tobacco Holdings, Inc. 1999 Long Term Incentive
                  Plan), your benefit will be funded in a Rabbi Trust. At the
                  earlier of (i) your normal Retirement Age or (ii) other
                  Retirement Date, an annuity will be Purchased from the Rabbi
                  Trust and delivered to you.

         Please indicate your agreement to the terms of this Amendment by
signing this Amendment below and returning it to Bob Gordon. A copy will be
provided to you.

                                  Very truly yours,

                                  R.J. REYNOLDS TOBACCO HOLDINGS, INC.

                                  By: /s/ Robert R. Gordon, Jr.
                                      ------------------------------------------
                                      Robert R. Gordon, Jr.
                                      Executive Vice President - Human Resources

Agreed as of this ____ day
of October, 1999.

   /s/ Andrew J. Schindler
---------------------------------
       Andrew J. Schindler<PAGE>

                                                                   EXHIBIT 10.20

                                 PROMISSORY NOTE

$4,992,000                                                      FEBRUARY 2, 2000

         The undersigned ("Maker") for value received, promises to pay to the
order of Cumulus Media Inc., an Illinois corporation (together with its
successors and assigns, "Payee") at such place as Payee shall from time to time
direct, the principal sum of Four Million Nine Hundred Ninety-Two Thousand and
no/100 Dollars ($4,992,000), together with interest thereon at the rate of nine
(9.0%) per annum (or at the peak rate paid by Payee to its senior lender),
calculated on the basis of a 365/366 day year. Interest shall accrue from the
date hereof through December 31, 2003, but shall not be currently payable. On
December 31, 2003, all accrued and unpaid interest and the principal amount
hereof shall be due and payable in a lump sum.

         Maker reserves and shall have the right at any time without penalty to
prepay all or any portion of the unpaid principal balance of this Note. Maker
may require presentation of this Note for endorsement of prepayment, if
prepayment is in part, or for surrender if prepayment is in full. Unless
otherwise agreed by Maker and Payee, any partial prepayments shall be applied
first against accrued and unpaid interest and then against principal
installments in the inverse order of maturity.

         The unpaid principal balance of this Note, together with all interest
accrued thereon, shall, at the option of Payee, become immediately due and
payable if Maker shall default in the payment of any installment of interest or
principal due hereunder and if such default is not cured within ten (10) days
after written notice thereof to Maker. The unpaid principal balance of this
Note, together with all interest accrued thereon, shall become immediately due
and payable, without further action by Payee, if Maker shall become the subject
of any voluntary or involuntary bankruptcy or insolvency proceeding which is not
dismissed or otherwise vacated and nullified within sixty (60) days after the
commencement thereof.

         No delay or omission on the part of Payee to exercise any right or
option herein given to Payee shall impair such right or option or be considered
as a waiver thereof or acquiescence in any default hereunder.

         Maker hereby waives presentment, demand or protest.

         This Note shall be governed by, and construed in accordance with, the
internal laws of the State of Wisconsin without reference to its rules of
conflicts of law.

         IN WITNESS WHEREOF, Maker has executed this Promissory Note as of the
date above written.

                                                 /s/ Richard W. Weening
                                                 -------------------------------
                                                     Richard W. Weening<PAGE>

                                                                   EXHIBIT 10.21

                                 PROMISSORY NOTE

$4,992,000                                                      FEBRUARY 2, 2000

         The undersigned ("Maker") for value received, promises to pay to the
order of Cumulus Media Inc., an Illinois corporation (together with its
successors and assigns, "Payee") at such place as Payee shall from time to time
direct, the principal sum of Four Million Nine Hundred Ninety-Two Thousand and
no/100 Dollars ($4,992,000), together with interest thereon at the rate of nine
(9.0%) per annum (or at the peak rate paid by Payee to its senior lender),
calculated on the basis of a 365/366 day year. Interest shall accrue from the
date hereof through December 31, 2003, but shall not be currently payable. On
December 31, 2003, all accrued and unpaid interest and the principal amount
hereof shall be due and payable in a lump sum.

         Maker reserves and shall have the right at any time without penalty to
prepay all or any portion of the unpaid principal balance of this Note. Maker
may require presentation of this Note for endorsement of prepayment, if
prepayment is in part, or for surrender if prepayment is in full. Unless
otherwise agreed by Maker and Payee, any partial prepayments shall be applied
first against accrued and unpaid interest and then against principal
installments in the inverse order of maturity.

         The unpaid principal balance of this Note, together with all interest
accrued thereon, shall, at the option of Payee, become immediately due and
payable if Maker shall default in the payment of any installment of interest or
principal due hereunder and if such default is not cured within ten (10) days
after written notice thereof to Maker. The unpaid principal balance of this
Note, together with all interest accrued thereon, shall become immediately due
and payable, without further action by Payee, if Maker shall become the subject
of any voluntary or involuntary bankruptcy or insolvency proceeding which is not
dismissed or otherwise vacated and nullified within sixty (60) days after the
commencement thereof.

         No delay or omission on the part of Payee to exercise any right or
option herein given to Payee shall impair such right or option or be considered
as a waiver thereof or acquiescence in any default hereunder.

         Maker hereby waives presentment, demand or protest.

         This Note shall be governed by, and construed in accordance with, the
internal laws of the State of Wisconsin without reference to its rules of
conflicts of law.

         IN WITNESS WHEREOF, Maker has executed this Promissory Note as of the
date above written.

                                      /s/ Lew Dickey, Jr.
                                      -----------------------------------------
                                      Lew Dickey, Jr.<PAGE>

                                                                    EXHIBIT 4.10

Certificate Number                                Number of Preferred Securities
P-

                               CUSIP NO. 05527K207

                   Certificate Evidencing Preferred Securities
                             of BBC Capital Trust II

                        ____% Trust Preferred Securities

                 (Liquidation Amount $25 per Preferred Security)

BBC CAPITAL TRUST II, a statutory business trust created under the laws of the
State of Delaware (the "Trust"), hereby certifies that ___________ (the
"Holder") is the registered owner of _________ preferred securities of the Trust
representing undivided beneficial interests in the assets of the Trust and
designated the ____ % Trust Preferred Securities (Liquidation Amount $25 per
Preferred Security) (the "Preferred Securities"). The Preferred Securities are
transferable on the books and records of the Trust, in person or by a duly
authorized attorney, upon surrender of this certificate duly endorsed and in
proper form for transfer as provided in Section 504 of the Trust Agreement. The
designations, rights, privileges, restrictions, preferences, and other terms and
provisions of the Preferred Securities are set forth in, and this certificate
and the Preferred Securities represented hereby are issued and shall in all
respects be subject to the terms and provisions of, the Amended and Restated
Trust Agreement of the Trust dated as of ___________, 2002, as the same may be
amended from time to time (the "Trust Agreement"), including the designation of
the terms of Preferred Securities as set forth therein. The Holder is entitled
to the benefits of the Preferred Securities Guarantee Agreement entered into by
BankAtlantic Bancorp, Inc., a Florida corporation, and Wilmington Trust Company,
as guarantee trustee, dated as of __________, 2002 (the "Guarantee"), to the
extent provided therein. The Trust shall furnish a copy of the Trust Agreement
and the Guarantee to the Holder without charge upon written request to the Trust
at its principal place of business or registered office.

Upon receipt of this certificate, the Holder is bound by the Trust Agreement and
is entitled to the benefits thereunder.

IN WITNESS WHEREOF, one of the Administrative Trustees of the Trust has executed
this certificate this __ day of _________, 2002.

                                      BBC CAPITAL TRUST II

                                      By:
                                         ---------------------------------------
                                         James A. White
                                         Administrative Trustee

COUNTERSIGNED AND REGISTERED:

WILMINGTON TRUST COMPANY,
as Securities Registrar

By:
   ------------------------------
      Authorized Signatory

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