Attached files

Exhibit 10 (bl)  Summary of Employment Arrangements with Executive
Officers

	All regular employees of the Company including the named executive
officers receive (a) cash compensation (i.e., base salary and discretionary
bonus); (b) retirement related benefits (i.e., the option to participate in
the Company's 401k Plan) and (c) other benefits.  Other benefits, which are
available to all regular employees, include medical, dental, vision care and
life insurance and flexible spending accounts.  The Company provides all
officers and certain employees with vehicles (i.e., payment of rental, gas
and maintenance with respect to the personal use of an automobile provided
by the Company), supplemental life insurance and business travel accident
insurance.  The Company also offers a golf club membership to the Chief
Executive Officer.  No employee of the Company has a written employment
agreement with the Company.

	The base salary of the two Executive Officers for the year ended
December 31, 2009, was as follows:

President and Chief Executive Officer       $278,000
Vice President of Finance,
  Chief Financial Officer and Secretary     $232,000

	Salaries for 2010 have yet to be determined.