Exhibit 10.20

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Mr. J. Vincent Mish

407 Gentlemen’s Ridge

Signal Mountain, TN 37377

 

Re:  Employment and Change in Control Agreements

 

Dear Mr. Mish:

 

At its meeting on November 4, 2013, the Board of Directors of the Company made the determination to terminate the automatic renewing feature of your Employment Agreement and the associated change in Control Agreement, as each was amended and restated, dated December 30, 2008.  As such, I have been directed to provide you with Notice of such action.

 

Accordingly, effective December 31, 2013, under paragraph 3 of the Employment Agreement between you and the Company, as amended and restated, dated December 30, 2008 and under Paragraph II of the Change in Control Agreement between you and the Company, as amended and restated, dated December 30, 2008, the Term of the Agreements will not be extended.

 

All other terms of the Agreements shall remain unchanged.

 

Please acknowledge receipt of this letter by signing in the space provided below and return to me by email.