EXHIBIT 10.11 January 12, 2004 Mr. Edward A. Brennan 400 North Michigan Avenue Suite 400 Chicago, IL 60611 Dear Ed: You've elected to defer your retainer and meeting fees for calendar year 2004. In June 1998, you and the Company entered into an...

                                                                   EXHIBIT 10.11


                                January 12, 2004



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Dear Ed:

         You've elected to defer your retainer and meeting fees for calendar
year 2004.

         In June 1998, you and the Company entered into an agreement governing
the fees you had deferred through that date. That agreement is attached.

         I'm assuming you want to continue to defer your fees in accordance with
the June 1998 letter. If so, please sign below and return to me. If you want
another agreement, please let me know the details and we'll see what we can do.

         Thank you for your cooperation and if there are questions, please let
me know.


                                                   Very truly yours,



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                                                   Corporate Secretary


Deferral of 2004 fees to be in accordance with June 2, 1998 letter:



AGREED: /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇         DATE: 1/19/2004
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P.S. I'm enclosing two originals - one to be returned to me and the other for
your files.

Attachment