The Company shall have no obligation to provide disability insurance to the Executive.  The Company agrees to provide an allowance of up to $15,000 per year, in the aggregate, to reimburse the Executive for (i) the actual cost of premiums incurred by the Executive for disability insurance obtained by the Executive; (ii) the actual cost of premiums incurred by the Executive for any other insurance which would not be available to the Executive under the Company's customary benefit plans; and (iii) the actual cost of leasing and operating an automobile for use by the Executive during the Executive's employment with the Company.  The Executive may determine in his reasonable judgment how to allocate the allowance between disability insurance premiums, other insurance premiums and automobile leasing expense.