Executive acknowledges and agrees that he has carefully read this Agreement and Release and understands that it is a release of all claims, known and unknown, past or present including all claims under the Age Discrimination in Employment Act.  He further agrees that he has entered into this Agreement and Release for the above stated consideration.  He warrants that he is fully competent to execute this Agreement and Release which he understands to be contractual.  He further acknowledges that he executes this Agreement and Release of his own free will, after having a reasonable period of time to review, study and deliberate regarding its meaning and effect, and after being advised to consult an attorney, and without reliance on any representation of any kind or character not expressly set forth herein.  Finally, he executes this Agreement and Release fully knowing its effect and voluntarily for the consideration stated above.