SECURITY CAPITAL CORP/DE/
EX-10.10
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<DESCRIPTION>EX-10.10
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<p align="right" style="margin:0in 0in .0001pt;text-align:right;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Exhibit 10.10</font></b></p>

<p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">SECOND AMENDED AND RESTATED LOAN AGREEMENT</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">among</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">WC HOLDINGS, INC.</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">COMPMANAGEMENT, INC.</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">COMPMANAGEMENT HEALTH SYSTEMS, INC.</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">COMPMANAGEMENT INTEGRATED DISABILITY SERVICES,
INC.</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">CMI MANAGEMENT COMPANY</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">COMPMANAGEMENT OF VIRGINIA, INC.</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">COMPMANAGEMENT DISABILITY SERVICES COMPANY</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">CMI BARRON RISK MANAGEMENT SERVICES, INC.</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">KRAMMCO INC.</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">INTEGRATED CLAIM STRATEGIES, INC.</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">OCTAGON RISK SERVICES, INC.</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">MANAGED CARE HOLDINGS CORPORATION</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">CARONIA CORPORATION</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">as Borrowers</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">and</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">JPMORGAN CHASE BANK, N.A.</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">as Lender</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">March&nbsp;31, 2005</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">TABLE OF CONTENTS</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr>
  <td width="95%" colspan="5" valign="top" style="padding:0in 0in 0in 0in;width:95.48%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><b><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;font-weight:bold;text-decoration:none;"><a href="#Article1_AgreementOfTheParties_122118" title="Click to goto ARTICLE&#160;1.  AGREEMENT OF THE PARTIES">ARTICLE&nbsp;1.&nbsp; AGREEMENT OF THE PARTIES</a></font></b></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.5%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="8%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:8.42%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a1_1RestatementOfObligations_122122" title="Click to goto 1.1 Restatement of Obligations">1.1</a></font></p>
  </td>
  <td width="81%" valign="top" style="padding:0in 0in 0in 0in;width:81.56%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a1_1RestatementOfObligations_122122" title="Click to goto 1.1 Restatement of Obligations">Restatement of
  Obligations</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.5%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="8%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:8.42%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a1_2BalancesOfLoans_122141" title="Click to goto 1.2 Balances of Loans">1.2</a></font></p>
  </td>
  <td width="81%" valign="top" style="padding:0in 0in 0in 0in;width:81.56%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a1_2BalancesOfLoans_122141" title="Click to goto 1.2 Balances of Loans">Balances of Loans</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.5%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="8%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:8.42%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a1_3ComplianceWithOriginalLoanDoc_122429" title="Click to goto 1.3 Compliance with Original Loan Documents">1.3</a></font></p>
  </td>
  <td width="81%" valign="top" style="padding:0in 0in 0in 0in;width:81.56%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a1_3ComplianceWithOriginalLoanDoc_122429" title="Click to goto 1.3 Compliance with Original Loan Documents">Compliance
  with Original Loan Documents</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.5%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="8%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:8.42%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a1_4ContinuationOfOriginalLoanDoc_122507" title="Click to goto 1.4 Continuation of Original Loan Documents">1.4</a></font></p>
  </td>
  <td width="81%" valign="top" style="padding:0in 0in 0in 0in;width:81.56%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a1_4ContinuationOfOriginalLoanDoc_122507" title="Click to goto 1.4 Continuation of Original Loan Documents">Continuation
  of Original Loan Documents</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.5%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="8%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:8.42%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a1_5TerminationOfOriginalAssignme_122512" title="Click to goto 1.5 Termination of Original Assignment of Life Insurance Policies">1.5</a></font></p>
  </td>
  <td width="81%" valign="top" style="padding:0in 0in 0in 0in;width:81.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;"><a href="#a1_5TerminationOfOriginalAssignme_122512" title="Click to goto 1.5 Termination of Original Assignment of Life Insurance Policies">Termination
  of Original Assignment of Life Insurance Policies</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="95%" colspan="5" valign="top" style="padding:0in 0in 0in 0in;width:95.48%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="95%" colspan="5" valign="top" style="padding:0in 0in 0in 0in;width:95.48%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><b><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;font-weight:bold;text-decoration:none;"><a href="#Article2_RevolvingCreditLoans_122516" title="Click to goto ARTICLE&#160;2.  REVOLVING CREDIT LOANS">ARTICLE&nbsp;2.&nbsp; REVOLVING CREDIT LOANS</a></font></b></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="8%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:8.36%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a2_1RevolvingCreditCommitment_122520" title="Click to goto 2.1 Revolving Credit Commitment">2.1</a></font></p>
  </td>
  <td width="81%" valign="top" style="padding:0in 0in 0in 0in;width:81.56%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a2_1RevolvingCreditCommitment_122520" title="Click to goto 2.1 Revolving Credit Commitment">Revolving Credit
  Commitment</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="8%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:8.36%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a2_2ConversionOptions_122621" title="Click to goto 2.2 Conversion Options">2.2</a></font></p>
  </td>
  <td width="81%" valign="top" style="padding:0in 0in 0in 0in;width:81.56%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a2_2ConversionOptions_122621" title="Click to goto 2.2 Conversion Options">Conversion Options</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="8%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:8.36%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a2_3RevolvingCreditNote_122627" title="Click to goto 2.3 Revolving Credit Note">2.3</a></font></p>
  </td>
  <td width="81%" valign="top" style="padding:0in 0in 0in 0in;width:81.56%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a2_3RevolvingCreditNote_122627" title="Click to goto 2.3 Revolving Credit Note">Revolving Credit Note</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="8%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:8.36%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a2_4CancellationAndReductionOfRev_122749" title="Click to goto 2.4 Cancellation and Reduction of Revolving Credit Commitment">2.4</a></font></p>
  </td>
  <td width="81%" valign="top" style="padding:0in 0in 0in 0in;width:81.56%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a2_4CancellationAndReductionOfRev_122749" title="Click to goto 2.4 Cancellation and Reduction of Revolving Credit Commitment">Cancellation
  and Reduction of Revolving Credit Commitment</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="8%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:8.36%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a2_5UseOfFunds_122753" title="Click to goto 2.5 Use of Funds">2.5</a></font></p>
  </td>
  <td width="81%" valign="top" style="padding:0in 0in 0in 0in;width:81.56%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a2_5UseOfFunds_122753" title="Click to goto 2.5 Use of Funds">Use of Funds</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
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 <tr>
  <td width="5%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="8%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:8.36%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a2_6AdditionalProvisionsAndLimita_122758" title="Click to goto 2.6 Additional Provisions and Limitations Relating to Eurodollar Rate Loans">2.6</a></font></p>
  </td>
  <td width="81%" valign="top" style="padding:0in 0in 0in 0in;width:81.56%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a2_6AdditionalProvisionsAndLimita_122758" title="Click to goto 2.6 Additional Provisions and Limitations Relating to Eurodollar Rate Loans">Additional
  Provisions and Limitations Relating to Eurodollar Rate Loans</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="8%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:8.36%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a2_7LettersOfCredit_122846" title="Click to goto 2.7 Letters of Credit">2.7</a></font></p>
  </td>
  <td width="81%" valign="top" style="padding:0in 0in 0in 0in;width:81.56%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a2_7LettersOfCredit_122846" title="Click to goto 2.7 Letters of Credit">Letters of Credit</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="95%" colspan="5" valign="top" style="padding:0in 0in 0in 0in;width:95.48%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="95%" colspan="5" valign="top" style="padding:0in 0in 0in 0in;width:95.48%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><b><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;font-weight:bold;text-decoration:none;"><a href="#Article3_TermLoan_122850" title="Click to goto ARTICLE&#160;3.  TERM LOAN">ARTICLE&nbsp;3.&nbsp; TERM LOAN</a></font></b></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="8%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:8.36%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a3_1TermLoanAmount_122854" title="Click to goto 3.1 Term Loan Amount">3.1</a></font></p>
  </td>
  <td width="81%" valign="top" style="padding:0in 0in 0in 0in;width:81.56%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a3_1TermLoanAmount_122854" title="Click to goto 3.1 Term Loan Amount">Term Loan Amount</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="8%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:8.36%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a3_2TermNote_122857" title="Click to goto 3.2 Term Note">3.2</a></font></p>
  </td>
  <td width="81%" valign="top" style="padding:0in 0in 0in 0in;width:81.56%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a3_2TermNote_122857" title="Click to goto 3.2 Term Note">Term Note</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="8%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:8.36%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a3_3OptionalPrepayments_122944" title="Click to goto 3.3 Optional Prepayments">3.3</a></font></p>
  </td>
  <td width="81%" valign="top" style="padding:0in 0in 0in 0in;width:81.56%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a3_3OptionalPrepayments_122944" title="Click to goto 3.3 Optional Prepayments">Optional Prepayments</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="8%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:8.36%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a3_4AdditionalProvisionsAndLimita_123021" title="Click to goto 3.4 Additional Provisions and Limitations Relating to Eurodollar Rate Portions">3.4</a></font></p>
  </td>
  <td width="81%" valign="top" style="padding:0in 0in 0in 0in;width:81.56%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a3_4AdditionalProvisionsAndLimita_123021" title="Click to goto 3.4 Additional Provisions and Limitations Relating to Eurodollar Rate Portions">Additional
  Provisions and Limitations Relating to Eurodollar Rate Portions</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="8%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:8.36%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a3_5MandatoryPrepayments_123037" title="Click to goto 3.5 Mandatory Prepayments">3.5</a></font></p>
  </td>
  <td width="81%" valign="top" style="padding:0in 0in 0in 0in;width:81.56%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a3_5MandatoryPrepayments_123037" title="Click to goto 3.5 Mandatory Prepayments">Mandatory Prepayments</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="95%" colspan="5" valign="top" style="padding:0in 0in 0in 0in;width:95.48%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="95%" colspan="5" valign="top" style="padding:0in 0in 0in 0in;width:95.48%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><b><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;font-weight:bold;text-decoration:none;"><a href="#Article4_FeesPaymentsSetoffsSecur_123049" title="Click to goto ARTICLE&#160;4.  FEES, PAYMENTS, SETOFFS, SECURITY, DEFAULT RATE">ARTICLE&nbsp;4.&nbsp; FEES, PAYMENTS, SETOFFS, SECURITY, DEFAULT
  RATE</a></font></b></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="8%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:8.36%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a4_1Fees_123055" title="Click to goto 4.1 Fees">4.1</a></font></p>
  </td>
  <td width="81%" valign="top" style="padding:0in 0in 0in 0in;width:81.56%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a4_1Fees_123055" title="Click to goto 4.1 Fees">Fees</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="8%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:8.36%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a4_2Payments_123201" title="Click to goto 4.2 Payments">4.2</a></font></p>
  </td>
  <td width="81%" valign="top" style="padding:0in 0in 0in 0in;width:81.56%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a4_2Payments_123201" title="Click to goto 4.2 Payments">Payments</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="8%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:8.36%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a4_3Setoffs_123203" title="Click to goto 4.3 Setoffs">4.3</a></font></p>
  </td>
  <td width="81%" valign="top" style="padding:0in 0in 0in 0in;width:81.56%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a4_3Setoffs_123203" title="Click to goto 4.3 Setoffs">Setoffs</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="8%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:8.36%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a4_4Security_123206" title="Click to goto 4.4 Security">4.4</a></font></p>
  </td>
  <td width="81%" valign="top" style="padding:0in 0in 0in 0in;width:81.56%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a4_4Security_123206" title="Click to goto 4.4 Security">Security</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="8%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:8.36%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a4_5DefaultRate_123226" title="Click to goto 4.5 Default Rate">4.5</a></font></p>
  </td>
  <td width="81%" valign="top" style="padding:0in 0in 0in 0in;width:81.56%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a4_5DefaultRate_123226" title="Click to goto 4.5 Default Rate">Default Rate</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="95%" colspan="5" valign="top" style="padding:0in 0in 0in 0in;width:95.48%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="95%" colspan="5" valign="top" style="padding:0in 0in 0in 0in;width:95.48%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><b><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;font-weight:bold;text-decoration:none;"><a href="#Article5_ConditionsOfBorrowing_123230" title="Click to goto ARTICLE&#160;5.  CONDITIONS OF BORROWING">ARTICLE&nbsp;5.&nbsp; CONDITIONS OF BORROWING</a></font></b></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a5_1ConditionsPrecedentToTheTermL_123235" title="Click to goto 5.1 Conditions Precedent to the Term Loan and the Initial Revolving Credit Loan">5.1</a></font></p>
  </td>
  <td width="82%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a5_1ConditionsPrecedentToTheTermL_123235" title="Click to goto 5.1 Conditions Precedent to the Term Loan and the Initial Revolving Credit Loan">Conditions
  Precedent to the Term Loan and the Initial Revolving Credit Loan</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="color:blue;margin:0in 0in .0001pt;text-align:right;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:1.0pt;text-decoration:none;">&nbsp;</font></p>
  </td>
 </tr>
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  <td width="5%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a5_2ConditionsPrecedentToEachOfTh_123406" title="Click to goto 5.2 Conditions Precedent to Each of the Loans">5.2</a></font></p>
  </td>
  <td width="82%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a5_2ConditionsPrecedentToEachOfTh_123406" title="Click to goto 5.2 Conditions Precedent to Each of the Loans">Conditions
  Precedent to Each of the Loans</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="display:none;font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="95%" colspan="5" valign="top" style="padding:0in 0in 0in 0in;width:95.48%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="95%" colspan="5" valign="top" style="padding:0in 0in 0in 0in;width:95.48%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><b><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;font-weight:bold;text-decoration:none;"><a href="#Article6_RepresentationsAndWarran_123416" title="Click to goto ARTICLE&#160;6.  REPRESENTATIONS AND WARRANTIES">ARTICLE&nbsp;6.&nbsp; REPRESENTATIONS AND WARRANTIES</a></font></b></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a6_1OrganizationAndAuthority_123419" title="Click to goto 6.1 Organization and Authority">6.1</a></font></p>
  </td>
  <td width="82%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a6_1OrganizationAndAuthority_123419" title="Click to goto 6.1 Organization and Authority">Organization and
  Authority</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a6_2Qualification_123444" title="Click to goto 6.2 Qualification">6.2</a></font></p>
  </td>
  <td width="82%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a6_2Qualification_123444" title="Click to goto 6.2 Qualification">Qualification</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a6_3InvestmentsGuaranteesLiabilit_123447" title="Click to goto 6.3 Investments; Guarantees; Liabilities">6.3</a></font></p>
  </td>
  <td width="82%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a6_3InvestmentsGuaranteesLiabilit_123447" title="Click to goto 6.3 Investments; Guarantees; Liabilities">Investments;
  Guarantees; Liabilities</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a6_4TaxReturnsAndPayments_123452" title="Click to goto 6.4 Tax Returns and Payments">6.4</a></font></p>
  </td>
  <td width="82%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a6_4TaxReturnsAndPayments_123452" title="Click to goto 6.4 Tax Returns and Payments">Tax Returns and Payments</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a6_5TitleToPropertiesLiens_123456" title="Click to goto 6.5 Title to Properties; Liens">6.5</a></font></p>
  </td>
  <td width="82%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a6_5TitleToPropertiesLiens_123456" title="Click to goto 6.5 Title to Properties; Liens">Title to Properties;
  Liens</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a6_6Litigation_123510" title="Click to goto 6.6 Litigation">6.6</a></font></p>
  </td>
  <td width="82%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a6_6Litigation_123510" title="Click to goto 6.6 Litigation">Litigation</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a6_7ComplianceWithLawAndOtherInst_123515" title="Click to goto 6.7 Compliance with Law and Other Instruments">6.7</a></font></p>
  </td>
  <td width="82%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a6_7ComplianceWithLawAndOtherInst_123515" title="Click to goto 6.7 Compliance with Law and Other Instruments">Compliance
  with Law and Other Instruments</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
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  <td width="41" style="border:none;"></td>
  <td width="0" style="border:none;"></td>
  <td width="55" style="border:none;"></td>
  <td width="7" style="border:none;"></td>
  <td width="610" style="border:none;"></td>
  <td width="34" style="border:none;"></td>
 </tr>
</table>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">i</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

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<div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a6_8FinancialStatements_123518" title="Click to goto 6.8 Financial Statements">6.8</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a6_8FinancialStatements_123518" title="Click to goto 6.8 Financial Statements">Financial Statements</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a6_9PatentsTrademarksAndCopyright_123548" title="Click to goto 6.9 Patents, Trademarks and Copyrights">6.9</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a6_9PatentsTrademarksAndCopyright_123548" title="Click to goto 6.9 Patents, Trademarks and Copyrights">Patents,
  Trademarks and Copyrights</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a6_10NoMarginActivity_123554" title="Click to goto 6.10 No Margin Activity">6.10</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a6_10NoMarginActivity_123554" title="Click to goto 6.10 No Margin Activity">No Margin Activity</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a6_11Erisa_123558" title="Click to goto 6.11 ERISA">6.11</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a6_11Erisa_123558" title="Click to goto 6.11 ERISA">ERISA</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a6_12AdverseContractsDefaults_123602" title="Click to goto 6.12 Adverse Contracts; Defaults">6.12</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="#a6_12AdverseContractsDefaults_123602" title="Click to goto 6.12 Adverse Contracts; Defaults">Adverse Contracts;
  Defaults</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
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  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a6_13EnvironmentalLaws_123606" title="Click to goto 6.13 Environmental Laws">6.13</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a6_13EnvironmentalLaws_123606" title="Click to goto 6.13 Environmental Laws">Environmental Laws</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
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  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a6_14Disclosure_123818" title="Click to goto 6.14 Disclosure">6.14</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a6_14Disclosure_123818" title="Click to goto 6.14 Disclosure">Disclosure</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a6_15Insurance_123828" title="Click to goto 6.15 Insurance">6.15</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a6_15Insurance_123828" title="Click to goto 6.15 Insurance">Insurance</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a6_16EventsOfDefault_123831" title="Click to goto 6.16 Events of Default">6.16</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a6_16EventsOfDefault_123831" title="Click to goto 6.16 Events of Default">Events of Default</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a6_17SolvencyEtc_123833" title="Click to goto 6.17 Solvency, Etc">6.17</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a6_17SolvencyEtc_123833" title="Click to goto 6.17 Solvency, Etc">Solvency, Etc.</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a6_18ProjectionsAndProFormaFinanc_123934" title="Click to goto 6.18 Projections and Pro Forma Financial Statements">6.18</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a6_18ProjectionsAndProFormaFinanc_123934" title="Click to goto 6.18 Projections and Pro Forma Financial Statements">Projections
  and Pro Forma Financial Statements</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a6_19CaroniaPurchaseAgreement_123940" title="Click to goto 6.19 Caronia Purchase Agreement">6.19</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a6_19CaroniaPurchaseAgreement_123940" title="Click to goto 6.19 Caronia Purchase Agreement">Caronia Purchase
  Agreement</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;"><a href="a05-6103_1ex10d10.htm#a6_20CertainAssurances_123943" title="Click to goto 6.20 Certain Assurances">6.20</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;"><a href="a05-6103_1ex10d10.htm#a6_20CertainAssurances_123943" title="Click to goto 6.20 Certain Assurances">Certain Assurances</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="95%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:95.48%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="95%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:95.48%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><b><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;font-weight:bold;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#Article7_AffirmativeCovenants_124012" title="Click to goto ARTICLE&#160;7.  AFFIRMATIVE COVENANTS">ARTICLE&nbsp;7.&nbsp; AFFIRMATIVE COVENANTS</a></font></b></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_1BankDeposits_124016" title="Click to goto 7.1 Bank Deposits">7.1</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_1BankDeposits_124016" title="Click to goto 7.1 Bank Deposits">Bank Deposits</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_2UnauditedFinancialStatementsA_124018" title="Click to goto 7.2 Unaudited Financial Statements and Reports of the Company">7.2</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;"><a href="a05-6103_1ex10d10.htm#a7_2UnauditedFinancialStatementsA_124018" title="Click to goto 7.2 Unaudited Financial Statements and Reports of the Company">Unaudited
  Financial Statements and Reports of
  the Company</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_3AuditedFinancialStatementsOfT_124055" title="Click to goto 7.3 Audited Financial Statements of the Company">7.3</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_3AuditedFinancialStatementsOfT_124055" title="Click to goto 7.3 Audited Financial Statements of the Company">Audited
  Financial Statements of the Company</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_4Inspection_124123" title="Click to goto 7.4 Inspection">7.4</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_4Inspection_124123" title="Click to goto 7.4 Inspection">Inspection</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_5Insurance_124128" title="Click to goto 7.5 Insurance">7.5</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_5Insurance_124128" title="Click to goto 7.5 Insurance">Insurance</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_6PaymentOfTaxesAndClaims_124151" title="Click to goto 7.6 Payment of Taxes and Claims">7.6</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_6PaymentOfTaxesAndClaims_124151" title="Click to goto 7.6 Payment of Taxes and Claims">Payment of Taxes and
  Claims</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_7ComplianceWithLaws_124155" title="Click to goto 7.7 Compliance with Laws">7.7</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_7ComplianceWithLaws_124155" title="Click to goto 7.7 Compliance with Laws">Compliance with Laws</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_8Erisa_124158" title="Click to goto 7.8 ERISA">7.8</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_8Erisa_124158" title="Click to goto 7.8 ERISA">ERISA</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_9PreservationOfCorporateExiste_124221" title="Click to goto 7.9 Preservation of Corporate Existence">7.9</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_9PreservationOfCorporateExiste_124221" title="Click to goto 7.9 Preservation of Corporate Existence">Preservation of
  Corporate Existence</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
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 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_10MaintenanceOfTangibleAssets_124224" title="Click to goto 7.10 Maintenance of Tangible Assets">7.10</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_10MaintenanceOfTangibleAssets_124224" title="Click to goto 7.10 Maintenance of Tangible Assets">Maintenance of
  Tangible Assets</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_11NoticesOfCertainEvents_124228" title="Click to goto 7.11 Notices of Certain Events">7.11</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_11NoticesOfCertainEvents_124228" title="Click to goto 7.11 Notices of Certain Events">Notices of Certain
  Events</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_12RecordsAndBooksOfAccount_124239" title="Click to goto 7.12 Records and Books of Account">7.12</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_12RecordsAndBooksOfAccount_124239" title="Click to goto 7.12 Records and Books of Account">Records and Books of
  Account</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_13PerformanceOfContracts_124242" title="Click to goto 7.13 Performance of Contracts">7.13</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_13PerformanceOfContracts_124242" title="Click to goto 7.13 Performance of Contracts">Performance of Contracts</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_14NoticeOfMaterialLitigation_124255" title="Click to goto 7.14 Notice of Material Litigation">7.14</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_14NoticeOfMaterialLitigation_124255" title="Click to goto 7.14 Notice of Material Litigation">Notice of Material
  Litigation</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_15UseOfProceeds_124300" title="Click to goto 7.15 Use of Proceeds">7.15</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_15UseOfProceeds_124300" title="Click to goto 7.15 Use of Proceeds">Use of Proceeds</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_16OwnershipAndControlOfBorrowe_124303" title="Click to goto 7.16 Ownership and Control of Borrowers">7.16</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_16OwnershipAndControlOfBorrowe_124303" title="Click to goto 7.16 Ownership and Control of Borrowers">Ownership and
  Control of Borrowers</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_17ComplianceWithTheCaroniaPurc_124314" title="Click to goto 7.17 Compliance with the Caronia Purchase Agreement">7.17</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_17ComplianceWithTheCaroniaPurc_124314" title="Click to goto 7.17 Compliance with the Caronia Purchase Agreement">Compliance
  with the Caronia Purchase Agreement</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_18ComplianceWithTheObwc_124333" title="Click to goto 7.18 Compliance with the OBWC">7.18</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_18ComplianceWithTheObwc_124333" title="Click to goto 7.18 Compliance with the OBWC">Compliance with the OBWC</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_19SellerInformation_124336" title="Click to goto 7.19 Seller Information">7.19</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_19SellerInformation_124336" title="Click to goto 7.19 Seller Information">Seller Information</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_20GovernmentRegulation_124341" title="Click to goto 7.20 Government Regulation">7.20</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a7_20GovernmentRegulation_124341" title="Click to goto 7.20 Government Regulation">Government Regulation</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="95%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:95.48%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="95%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:95.48%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><b><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;font-weight:bold;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#Article8_NegativeCovenants_124343" title="Click to goto ARTICLE&#160;8.  NEGATIVE COVENANTS">ARTICLE&nbsp;8.&nbsp; NEGATIVE COVENANTS</a></font></b></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_1Indebtedness_124348" title="Click to goto 8.1 Indebtedness">8.1</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_1Indebtedness_124348" title="Click to goto 8.1 Indebtedness">Indebtedness</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_2LiensAndOtherEncumbrances_124503" title="Click to goto 8.2 Liens and Other Encumbrances">8.2</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_2LiensAndOtherEncumbrances_124503" title="Click to goto 8.2 Liens and Other Encumbrances">Liens and Other
  Encumbrances</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_3GuarantiesAndOtherContingentL_124515" title="Click to goto 8.3 Guaranties and Other Contingent Liabilities">8.3</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_3GuarantiesAndOtherContingentL_124515" title="Click to goto 8.3 Guaranties and Other Contingent Liabilities">Guaranties
  and Other Contingent Liabilities</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_4FundamentalChanges_124522" title="Click to goto 8.4 Fundamental Changes">8.4</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_4FundamentalChanges_124522" title="Click to goto 8.4 Fundamental Changes">Fundamental Changes</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_5CreationOfSubsidiaries_124529" title="Click to goto 8.5 Creation of Subsidiaries">8.5</a></font></p>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_5CreationOfSubsidiaries_124529" title="Click to goto 8.5 Creation of Subsidiaries">Creation of Subsidiaries</a></font></p>
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  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_6LoansOrAdvances_124543" title="Click to goto 8.6 Loans or Advances">8.6</a></font></p>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_6LoansOrAdvances_124543" title="Click to goto 8.6 Loans or Advances">Loans or Advances</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_7Investments_124547" title="Click to goto 8.7 Investments">8.7</a></font></p>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_7Investments_124547" title="Click to goto 8.7 Investments">Investments</a></font></p>
  </td>
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  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_8SaleAndLeaseback_124551" title="Click to goto 8.8 Sale and Leaseback">8.8</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_8SaleAndLeaseback_124551" title="Click to goto 8.8 Sale and Leaseback">Sale and Leaseback</a></font></p>
  </td>
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  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_9DispositionOfAssets_124615" title="Click to goto 8.9 Disposition of Assets">8.9</a></font></p>
  </td>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_9DispositionOfAssets_124615" title="Click to goto 8.9 Disposition of Assets">Disposition of Assets</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
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  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_10TransactionsWithAffiliates_124618" title="Click to goto 8.10 Transactions with Affiliates">8.10</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_10TransactionsWithAffiliates_124618" title="Click to goto 8.10 Transactions with Affiliates">Transactions with
  Affiliates</a></font></p>
  </td>
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  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ii</font></p>

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<div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
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  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_11SaleOfAccounts_124626" title="Click to goto 8.11 Sale of Accounts">8.11</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_11SaleOfAccounts_124626" title="Click to goto 8.11 Sale of Accounts">Sale of Accounts</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_12CapitalExpenditures_124630" title="Click to goto 8.12 Capital Expenditures">8.12</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_12CapitalExpenditures_124630" title="Click to goto 8.12 Capital Expenditures">Capital Expenditures</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_13MinimumFixedChargeCoverageRa_124757" title="Click to goto 8.13 Minimum Fixed Charge Coverage Ratio">8.13</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_13MinimumFixedChargeCoverageRa_124757" title="Click to goto 8.13 Minimum Fixed Charge Coverage Ratio">Minimum Fixed
  Charge Coverage Ratio</a></font></p>
  </td>
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  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_14RatioOfFundedIndebtednessToE_124804" title="Click to goto 8.14 Ratio of Funded Indebtedness to EBITDA">8.14</a></font></p>
  </td>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_14RatioOfFundedIndebtednessToE_124804" title="Click to goto 8.14 Ratio of Funded Indebtedness to EBITDA">Ratio of
  Funded Indebtedness to EBITDA</a></font></p>
  </td>
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  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_15ManagementFees_124808" title="Click to goto 8.15 Management Fees">8.15</a></font></p>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_15ManagementFees_124808" title="Click to goto 8.15 Management Fees">Management Fees</a></font></p>
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  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_16DividendsAndPayments_124822" title="Click to goto 8.16 Dividends and Payments">8.16</a></font></p>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_16DividendsAndPayments_124822" title="Click to goto 8.16 Dividends and Payments">Dividends and Payments</a></font></p>
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  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_17IssuanceOfCapitalStock_124832" title="Click to goto 8.17 Issuance of Capital Stock">8.17</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_17IssuanceOfCapitalStock_124832" title="Click to goto 8.17 Issuance of Capital Stock">Issuance of Capital
  Stock</a></font></p>
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  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_18ProhibitionOfChangeInFiscalY_124837" title="Click to goto 8.18 Prohibition of Change in Fiscal Year">8.18</a></font></p>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_18ProhibitionOfChangeInFiscalY_124837" title="Click to goto 8.18 Prohibition of Change in Fiscal Year">Prohibition
  of Change in Fiscal Year</a></font></p>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_19AmendmentToOtherDocuments_124840" title="Click to goto 8.19 Amendment to Other Documents">8.19</a></font></p>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_19AmendmentToOtherDocuments_124840" title="Click to goto 8.19 Amendment to Other Documents">Amendment to Other
  Documents</a></font></p>
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  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_20Management_124847" title="Click to goto 8.20 Management">8.20</a></font></p>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_20Management_124847" title="Click to goto 8.20 Management">Management</a></font></p>
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  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_21PledgeRightsNotAchange_124856" title="Click to goto 8.21 Pledge Rights Not a &#147;Change&#148;">8.21</a></font></p>
  </td>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_21PledgeRightsNotAchange_124856" title="Click to goto 8.21 Pledge Rights Not a &#147;Change&#148;">Pledge Rights Not a &#147;Change&#148;</a></font></p>
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  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_22GovernmentRegulations_124859" title="Click to goto 8.22 Government Regulations">8.22</a></font></p>
  </td>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a8_22GovernmentRegulations_124859" title="Click to goto 8.22 Government Regulations">Government Regulations</a></font></p>
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  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
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  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
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  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><b><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;font-weight:bold;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#Article9_EventsOfDefault_124908" title="Click to goto ARTICLE&#160;9.  EVENTS OF DEFAULT">ARTICLE&nbsp;9.&nbsp; EVENTS OF DEFAULT</a></font></b></p>
  </td>
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  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a9_1EventOfDefault_124916" title="Click to goto 9.1 Event of Default">9.1</a></font></p>
  </td>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a9_1EventOfDefault_124916" title="Click to goto 9.1 Event of Default">Event of Default</a></font></p>
  </td>
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  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a9_2ConsequencesOfEventOfDefault_124957" title="Click to goto 9.2 Consequences of Event of Default">9.2</a></font></p>
  </td>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a9_2ConsequencesOfEventOfDefault_124957" title="Click to goto 9.2 Consequences of Event of Default">Consequences of
  Event of Default</a></font></p>
  </td>
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  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
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  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
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  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
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  <td width="95%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:95.48%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><b><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;font-weight:bold;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#Article10_Miscellaneous_125001" title="Click to goto ARTICLE&#160;10.  MISCELLANEOUS">ARTICLE&nbsp;10.&nbsp; MISCELLANEOUS</a></font></b></p>
  </td>
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  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a10_1Notices_125003" title="Click to goto 10.1 Notices">10.1</a></font></p>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a10_1Notices_125003" title="Click to goto 10.1 Notices">Notices</a></font></p>
  </td>
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  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a10_2TermOfAgreementTerminationSu_125729" title="Click to goto 10.2 Term of Agreement; Termination; Successors and Assigns">10.2</a></font></p>
  </td>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a10_2TermOfAgreementTerminationSu_125729" title="Click to goto 10.2 Term of Agreement; Termination; Successors and Assigns">Term
  of Agreement; Termination; Successors and Assigns</a></font></p>
  </td>
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  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a10_3NoImpliedRightsOrWaivers_125755" title="Click to goto 10.3 No Implied Rights or Waivers">10.3</a></font></p>
  </td>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a10_3NoImpliedRightsOrWaivers_125755" title="Click to goto 10.3 No Implied Rights or Waivers">No Implied Rights or
  Waivers</a></font></p>
  </td>
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  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a10_4ApplicableLaw_125758" title="Click to goto 10.4 Applicable Law">10.4</a></font></p>
  </td>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a10_4ApplicableLaw_125758" title="Click to goto 10.4 Applicable Law">Applicable Law</a></font></p>
  </td>
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  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a10_5ModificationsAmendmentsOrWai_125801" title="Click to goto 10.5 Modifications, Amendments or Waivers">10.5</a></font></p>
  </td>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a10_5ModificationsAmendmentsOrWai_125801" title="Click to goto 10.5 Modifications, Amendments or Waivers">Modifications,
  Amendments or Waivers</a></font></p>
  </td>
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  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a10_6Counterparts_125806" title="Click to goto 10.6 Counterparts">10.6</a></font></p>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a10_6Counterparts_125806" title="Click to goto 10.6 Counterparts">Counterparts</a></font></p>
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  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a10_7Headings_125809" title="Click to goto 10.7 Headings">10.7</a></font></p>
  </td>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a10_7Headings_125809" title="Click to goto 10.7 Headings">Headings</a></font></p>
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  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a10_8Expenses_125813" title="Click to goto 10.8 Expenses">10.8</a></font></p>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a10_8Expenses_125813" title="Click to goto 10.8 Expenses">Expenses</a></font></p>
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  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a10_9AccountingTerms_125825" title="Click to goto 10.9 Accounting Terms">10.9</a></font></p>
  </td>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a10_9AccountingTerms_125825" title="Click to goto 10.9 Accounting Terms">Accounting Terms</a></font></p>
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  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
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  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
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  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a10_10Severability_125832" title="Click to goto 10.10 Severability">10.10</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a10_10Severability_125832" title="Click to goto 10.10 Severability">Severability</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a10_11WaiverOfJuryTrialConsentToV_125837" title="Click to goto 10.11 Waiver of Jury Trial; Consent to Venue">10.11</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a10_11WaiverOfJuryTrialConsentToV_125837" title="Click to goto 10.11 Waiver of Jury Trial; Consent to Venue">Waiver of
  Jury Trial; Consent to Venue</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a10_12EntireAgreement_125841" title="Click to goto 10.12 Entire Agreement">10.12</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a10_12EntireAgreement_125841" title="Click to goto 10.12 Entire Agreement">Entire Agreement</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a10_13CertificatesEtc_125844" title="Click to goto 10.13 Certificates, Etc">10.13</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a10_13CertificatesEtc_125844" title="Click to goto 10.13 Certificates, Etc">Certificates, Etc.</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a10_14WaiverOfCertainDefenses_125849" title="Click to goto 10.14 Waiver of Certain Defenses">10.14</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a10_14WaiverOfCertainDefenses_125849" title="Click to goto 10.14 Waiver of Certain Defenses">Waiver of Certain
  Defenses</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a10_15UsaPatriotActNotification_125852" title="Click to goto 10.15 USA Patriot Act Notification">10.15</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a10_15UsaPatriotActNotification_125852" title="Click to goto 10.15 USA Patriot Act Notification">USA Patriot Act
  Notification</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#a10_16Indemnification_125922" title="Click to goto 10.16 Indemnification">10.16</a></font></p>
  </td>
  <td width="82%" valign="top" style="padding:0in 0in 0in 0in;width:82.52%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;"><a href="a05-6103_1ex10d10.htm#a10_16Indemnification_125922" title="Click to goto 10.16 Indemnification">Indemnification</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="95%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:95.48%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="95%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:95.48%;">
  <p style="color:blue;margin:0in 0in .0001pt;text-decoration:underline;"><b><font size="2" color="black" face="Times New Roman" style="color:windowtext;font-size:10.0pt;font-weight:bold;text-decoration:none;"><a href="a05-6103_1ex10d10.htm#Article11_Definitions_125926" title="Click to goto ARTICLE&#160;11.  DEFINITIONS">ARTICLE&nbsp;11.&nbsp; DEFINITIONS</a></font></b></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="95%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:95.48%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="95%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:95.48%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;"><a href="a05-6103_1ex10d10.htm#InWitness_133039" title="Click to goto IN WITNESS">Signatures</a></font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
</table>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">iii</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

</div>
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<div style="font-family:Times New Roman;">

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr>
  <td width="18%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:18.52%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;"><b><u><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">EXHIBITS</font></u>:</b></p>
  </td>
  <td width="76%" valign="top" style="padding:0in 0in 0in 0in;width:76.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
  <td width="12%" valign="top" style="padding:0in 0in 0in 0in;width:12.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
  <td width="76%" valign="top" style="padding:0in 0in 0in 0in;width:76.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="12%" valign="top" style="padding:0in 0in 0in 0in;width:12.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Exhibit A</font></p>
  </td>
  <td width="76%" valign="top" style="padding:0in 0in 0in 0in;width:76.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Second Amended and Restated Revolving Credit Note</font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="12%" valign="top" style="padding:0in 0in 0in 0in;width:12.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Exhibit B</font></p>
  </td>
  <td width="76%" valign="top" style="padding:0in 0in 0in 0in;width:76.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Second Amended
  and Restated Term Note</font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="12%" valign="top" style="padding:0in 0in 0in 0in;width:12.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Exhibit C</font></p>
  </td>
  <td width="76%" valign="top" style="padding:0in 0in 0in 0in;width:76.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Second Amended
  and Restated Borrower Security Agreement</font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="12%" valign="top" style="padding:0in 0in 0in 0in;width:12.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Exhibit D</font></p>
  </td>
  <td width="76%" valign="top" style="padding:0in 0in 0in 0in;width:76.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Second Amended
  and Restated Intellectual Property Security Agreement</font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="12%" valign="top" style="padding:0in 0in 0in 0in;width:12.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Exhibit E</font></p>
  </td>
  <td width="76%" valign="top" style="padding:0in 0in 0in 0in;width:76.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Second Amended
  and Restated Stock Pledge Agreement</font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="12%" valign="top" style="padding:0in 0in 0in 0in;width:12.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Exhibit F</font></p>
  </td>
  <td width="76%" valign="top" style="padding:0in 0in 0in 0in;width:76.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Second Amended
  and Restated Collateral Assignment of Leasehold Interests</font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="12%" valign="top" style="padding:0in 0in 0in 0in;width:12.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Exhibit G</font></p>
  </td>
  <td width="76%" valign="top" style="padding:0in 0in 0in 0in;width:76.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Opinion of
  Counsel to Borrowers</font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="12%" valign="top" style="padding:0in 0in 0in 0in;width:12.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Exhibit H</font></p>
  </td>
  <td width="76%" valign="top" style="padding:0in 0in 0in 0in;width:76.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Definitions</font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="12%" valign="top" style="padding:0in 0in 0in 0in;width:12.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Exhibit I</font></p>
  </td>
  <td width="76%" valign="top" style="padding:0in 0in 0in 0in;width:76.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Pro Forma
  Balance Sheets</font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="12%" valign="top" style="padding:0in 0in 0in 0in;width:12.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Exhibit J</font></p>
  </td>
  <td width="76%" valign="top" style="padding:0in 0in 0in 0in;width:76.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Projections</font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="12%" valign="top" style="padding:0in 0in 0in 0in;width:12.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Exhibit K</font></p>
  </td>
  <td width="76%" valign="top" style="padding:0in 0in 0in 0in;width:76.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Officer&#146;s Solvency
  Certificate</font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
  <td width="12%" valign="top" style="padding:0in 0in 0in 0in;width:12.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
  <td width="76%" valign="top" style="padding:0in 0in 0in 0in;width:76.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="18%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:18.52%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;"><b><u><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">SCHEDULES</font></u>:</b></p>
  </td>
  <td width="76%" valign="top" style="padding:0in 0in 0in 0in;width:76.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
  <td width="12%" valign="top" style="padding:0in 0in 0in 0in;width:12.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
  <td width="76%" valign="top" style="padding:0in 0in 0in 0in;width:76.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="12%" valign="top" style="padding:0in 0in 0in 0in;width:12.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Schedule&nbsp;6.1</font></p>
  </td>
  <td width="76%" valign="top" style="padding:0in 0in 0in 0in;width:76.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Affiliates,
  Directors and Officers</font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="12%" valign="top" style="padding:0in 0in 0in 0in;width:12.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Schedule&nbsp;6.5</font></p>
  </td>
  <td width="76%" valign="top" style="padding:0in 0in 0in 0in;width:76.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Leases</font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="12%" valign="top" style="padding:0in 0in 0in 0in;width:12.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Schedule&nbsp;6.6</font></p>
  </td>
  <td width="76%" valign="top" style="padding:0in 0in 0in 0in;width:76.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Litigation and
  Other Proceedings</font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="12%" valign="top" style="padding:0in 0in 0in 0in;width:12.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Schedule&nbsp;6.9</font></p>
  </td>
  <td width="76%" valign="top" style="padding:0in 0in 0in 0in;width:76.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Patents,
  Trademarks and Copyrights</font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="12%" valign="top" style="padding:0in 0in 0in 0in;width:12.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Schedule&nbsp;8.10</font></p>
  </td>
  <td width="76%" valign="top" style="padding:0in 0in 0in 0in;width:76.96%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Transactions
  with Affiliates</font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.52%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
</table>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">iv</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

</div>
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<div style="font-family:Times New Roman;">

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<h1 style="margin:0in 0in .0001pt;page-break-after:auto;text-align:center;text-transform:uppercase;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;text-transform:none;">SECOND
AMENDED AND RESTATED LOAN AGREEMENT</font></b></h1>

<h1 style="margin:0in 0in .0001pt;page-break-after:auto;text-align:center;text-transform:uppercase;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:normal;text-transform:none;">&nbsp;</font></b></h1>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">THIS
SECOND AMENDED AND RESTATED LOAN AGREEMENT (this &#147;Agreement&#148;) is made and
entered into in Columbus, Ohio effective as of March&nbsp;31, 2005, by and among
</font>WC HOLDINGS, INC., a
Delaware corporation (formerly named Health Power, Inc.) (the &#147;Company&#148;),
COMPMANAGEMENT, INC., an Ohio corporation (&#147;CMI&#148;), COMPMANAGEMENT HEALTH
SYSTEMS, INC., an Ohio corporation (&#147;CHSI&#148;), COMPMANAGEMENT INTEGRATED
DISABILITY SERVICES, INC., an Ohio corporation (formerly named M&amp;N Risk
Management, Inc.) (&#147;CIDSI&#148;), CMI MANAGEMENT COMPANY, an Ohio corporation
(formerly named M&amp;N Enterprises, Inc.) (&#147;CMIMC&#148;), COMPMANAGEMENT OF
VIRGINIA, INC., a Virginia corporation (formerly named Trigon Administrators,
Inc.) (&#147;CVI&#148;), COMPMANAGEMENT DISABILITY SERVICES COMPANY, a Virginia
corporation and a wholly owned subsidiary of CVI (formerly named Trigon
Disability Services Company) (&#147;CDSC&#148;), CMI BARRON RISK MANAGEMENT SERVICES,
INC., a Texas corporation (formerly named Barron Risk Management Services,
Inc.) (&#147;Barron Risk&#148;), OCTAGON RISK SERVICES, INC., a Minnesota corporation (&#147;Octagon&#148;),
KRAMMCO INC., an Ohio corporation (&#147;KRAMMCO&#148;), INTEGRATED CLAIM STRATEGIES,
INC., a Florida corporation (&#147;ICSI&#148;), CARONIA CORPORATION, a Delaware
corporation (&#147;Caronia&#148;), and MANAGED
CARE HOLDINGS CORPORATION, a Delaware Corporation (&#147;MCHC&#148;), as borrowers
(individually, a &#147;Borrower&#148; and collectively, the &#147;Borrowers&#148;), and JPMORGAN
CHASE BANK, N.A., a national banking association (successor by merger to Bank
One, NA (Main Office Columbus)), as lender (the &#147;Lender&#148;).</p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><u><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Recitals</font></u></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><i><font size="2" face="Times New Roman" style="font-size:10.0pt;font-style:italic;">The following recitals are representations with respect to
certain factual matters that form the basis of this Agreement and are an integral
part of this Agreement.</font></i></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;">A</font>.</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Pursuant
to the terms and conditions of a certain Amended and Restated Loan Agreement
dated as of October&nbsp;3, 2003 by and among the Company, CMI, CHSI, CIDSI,
CMIMC, CVI, CDSC, Barron Risk and Octagon (collectively, the &#147;Original
Borrowers&#148;), WC Holdings, Inc., a Delaware corporation that merged with and
into the Company on or about December&nbsp;2, 2003 (the &#147;Guarantor&#148;), and the
Lender (the &#147;Original Loan Agreement&#148;), the Lender agreed to make to the
Original Borrowers (i) loans (collectively, the &#147;Prior Revolving Credit Loans&#148;)
up to the maximum aggregate sum of
$8,000,000 under a revolving line of credit, (ii) a term loan in the maximum
sum of $31,479,166.64 (the &#147;Prior Term Loan&#148;) and (iii) an interim term loan in
the principal amount of $12,000,000 in order to finance a portion of the
purchase price paid by CMI for all of the outstanding shares of capital stock
of Octagon (the &#147;Octagon Interim Term Loan&#148;);</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;">B</font>.</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>To
evidence the Prior Revolving Credit Loans, the Original Borrowers executed a
certain Amended and Restated Revolving Credit Note dated October&nbsp;3, 2003
(the &#147;Original Revolving Credit Note&#148;), whereby the Original Borrowers promised
to pay to the order of the Lender, on or before September&nbsp;30, 2005, the
Prior Revolving Credit Loans, together with interest as set forth in the
Original Loan Agreement;</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-1</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

</div>
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<br clear="all" style="page-break-before:always;">


<div style="font-family:Times New Roman;">

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">C.</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>To
evidence the Prior Term Loan, the Borrowers executed a certain Amended and
Restated Term Note dated October&nbsp;3, 2003 (the &#147;Original Term Note&#148;),
whereby the Original Borrowers promised to pay to the order of the Lender, on
or before September&nbsp;3, 2008, the Prior Term Loan, together with interest
as set forth in the Original Loan Agreement;</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">D.</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>To
evidence the Octagon Interim Term Loan, the Borrowers executed a certain
Interim Term Note dated October&nbsp;3, 2003 (the &#147;Octagon Interim Term Note&#148;
and, collectively with the Original Revolving Credit Note and the Original Term
Note, the &#147;Original Notes&#148;), whereby the Original Borrowers promised to pay to
the order of the Lender, on or before October&nbsp;17, 2003, the Octagon
Interim Term Loan, together with interest as set forth in the Original Loan
Agreement.&#160; The Original Borrowers have
heretofore paid in full the Octagon Interim Term Note;</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">E.</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>To
secure the Original Loan Agreement and the Original Notes, the Lender and each Original
Borrower entered into (i) a separate Borrower Security Agreement or Amended and
Restated Borrower Security Agreement, as applicable, dated as of October&nbsp;3,
2003 (individually, an &#147;Original Borrower Security Agreement&#148; and collectively,
the &#147;Original Borrower Security Agreements&#148;) and (ii) a separate Security
Agreement Re: Patents, Trademarks and Copyrights or Amended and Restated
Security Agreement Re: Patents, Trademarks and Copyrights, as applicable, dated
as of October&nbsp;3, 2003 (individually, an &#147;Original Intellectual Property
Security Agreement&#148; and collectively, the &#147;Original Intellectual Property
Security Agreements&#148;);</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">F.</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>To
further secure the Original Loan Agreement and the Original Notes, the Lender,
on the one hand, and the Company, the Guarantor or CMI, on the other hand,
entered into nine certain Stock Pledge Agreements or Amended and Restated Stock
Pledge Agreements, as applicable, dated as of October&nbsp;3, 2003
(individually, an &#147;Original Stock Pledge Agreement&#148; and collectively, the &#147;Original
Stock Pledge Agreements&#148;), pursuant to which the Guarantor, the Company and
CMI, as applicable, pledged and assigned to the Lender all of the shares of
capital stock of the Company, CMI, CVI, CMIMC, CHSI, CIDSI, CDSC, Barron Risk
and Octagon;</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">G.</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>To
further secure the Original Loan Agreement and the Original Notes, the Lender
and CMI entered into two certain Amended and Restated Assignments of Life
Insurance Policies dated as of October&nbsp;3, 2003 (collectively, the &#147;Original
Assignment of Life Insurance Policies&#148;), pursuant to which CMI assigned to the
Lender certain life insurance policies;</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">H.</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>To
further secure the Original Loan Agreement and the Original Notes, the Lender
and CMI entered into a certain Amended and Restated Collateral Assignment of
Leasehold Interest dated as of October&nbsp;3, 2003, pursuant to which CMI
assigned to the Lender all of its right, title and interest in, to and under
the lease of CMI&#146;s corporate headquarters facility located in Dublin, Ohio (the
&#147;Original Assignment of Leasehold Interest&#148;);</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">I.</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>In
consideration of the Lender entering into the Original Loan Agreement, the
Guarantor agreed, by a certain Amended and Restated Unconditional Guaranty
Agreement dated as of October&nbsp;3, 2003 (the &#147;Original Guaranty&#148;), to
unconditionally guaranty the repayment of the Prior Revolving Credit Loans, the
Prior Term Loan and the Octagon Interim Term Loan;</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-2</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

</div>
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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">J.</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>To
secure the Original Loan Agreement and the Original Notes and the Guarantor&#146;s
obligations under the Original Guaranty, the Lender and the Guarantor entered
into a certain Amended and Restated Guarantor Security Agreement dated as of October&nbsp;3,
2003 (the &#147;Original Guarantor Security Agreement&#148;);</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K.</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Pursuant
to a certain Certificate of Merger of WC Holdings, Inc. into Health Power, Inc.
dated as of November&nbsp;21, 2003 filed with the Delaware Secretary of State
on December&nbsp;2, 2003, the Guarantor merged with and into the Company and
the Company&#146;s name was changed to &#147;WC Holdings, Inc.&#148;;</p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">L.</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Pursuant
to a certain First Amendment to Amended and Restated Loan Agreement dated as of
July&nbsp;22, 2004 among the Original Borrowers and the Lender (the &#147;First
Amendment to Original Loan Agreement&#148;), the Original Borrowers and the Lender
amended the Original Loan Agreement to, among other things, (i) decrease the
Applicable Margin for Eurodollar Rate portions of the Prior Term Loan; (ii)
amend Section&nbsp;8.4 of the Original Loan Agreement to require the Company to
provide audited annual consolidated financial statements, (iii) amend Section&nbsp;9.13
of the Original Loan Agreement to increase the dollar amount of the capital
expenditures permitted to made during Fiscal Year 2004 and (iv) make certain
other modifications to the provisions of the Original Loan Agreement;</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">M.</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Pursuant
to a certain Second Amendment to Amended and Restated Loan Agreement dated as
of March&nbsp;1, 2005 among the Original Borrowers and Lender (the &#147;Second Amendment
to Original Loan Agreement&#148;), the Original Borrower and the Lender amended the
Original Loan Agreement to, among other things, (i) provide for a one-time
waiver by the Lender of certain covenant violations by the Original Borrowers,
(ii) require that certain subsidiaries of the Company become co-borrowers under
the Original Loan Agreement and (iii) make certain other modifications to the
provisions of the Original Loan Agreement;</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">N.</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>The
Lender is still the holder and beneficiary of the Original Loan Agreement, Original
Revolving Credit Note, Original Term Note, Original Borrower Security
Agreements, Original Intellectual Property Security Agreements, Original Stock
Pledge Agreements, Original Assignments of Life Insurance Policies and Original
Assignment of Leasehold Interest (such documents, as amended by the First
Amendment to Original Loan Agreement and the Second Amendment to the Original
Loan Agreement, together with all other documents related thereto, are
hereinafter collectively referred to as the &#147;Original Loan Documents&#148;);</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">O.</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Octagon
and Continental Casualty Company, an Illinois corporation (&#147;Seller&#148;), entered
into a certain Stock Purchase Agreement dated as of March&nbsp;17, 2005 (the &#147;Caronia
Purchase Agreement&#148;), pursuant to which Octagon agreed to purchase from Seller
all of the outstanding shares of capital stock of Caronia (the &#147;Caronia Shares&#148;)
and MCHC (the &#147;MCHC Shares&#148; and, together with the Caronia Shares, the &#147;Acquired
Shares&#148;) for an aggregate cash purchase price of $16,000,000, subject to the
post-closing adjustments set forth in Section&nbsp;2.4 of the Caronia Purchase
Agreement (the &#147;Caronia Purchase Price&#148;);</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">P.</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>The
parties hereto desire to amend and restate the Original Loan Documents in order
to, among other things:&#160; (i) evidence the
Lender&#146;s consent to Octagon&#146;s acquisition of the Acquired</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-3</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

</div>
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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Shares and the
consummation of the other transactions contemplated by the Caronia Purchase
Agreement (the &#147;Caronia Acquisition&#148;); (ii) cause Caronia, MCHC, KRAMMCO and
ICSI to become additional co-borrowers under the Original Loan Documents, as
amended and restated hereby (collectively, the &#147;Additional Borrowers&#148;); (iii) increase
the principal amount of the Prior Term Loan to $40,500,000; (iv) extend the
respective maturity dates of the Original Revolving Credit Note and the
Original Term Note; (v) provide for certain additional security for the Loans
(defined below); (vi) modify various provisions of the Original Loan Documents;
and (vii) make certain other changes thereto in order to reflect the agreement
of the parties set forth in this Agreement; and</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Q.</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>In
order to evidence the agreement of the parties and to reflect the terms and
conditions of this Agreement, the parties shall execute and deliver this
Agreement and the agreements, documents and instruments contemplated hereby.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><u><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Agreement</font></u></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">NOW
THEREFORE, the Borrowers and the Lender hereby agree as hereinafter set forth.</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><a name="Article1_AgreementOfTheParties_122118"><b><u><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">ARTICLE&nbsp;1.&#160; AGREEMENT OF THE PARTIES</font></u></b></a></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a1_1RestatementOfObligations_122122"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">1.1</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Restatement
of Obligations</u></b><b><font style="font-weight:bold;">.</font></b>&#160; The parties hereto acknowledge and agree that
this Agreement (i)&nbsp;amends and restates the existing obligations of the Original
Borrowers under the Original Loan Agreement, as amended, (ii)&nbsp;is a
continuation of the borrowings evidenced by the Original Loan Agreement, as
amended, (iii)&nbsp;is not intended to be a novation of the Original Revolving
Credit Note or the Original Term Note or the obligations evidenced thereby, and
(iv)&nbsp;is in substitution of and supersedes the Original Loan Agreement, as
amended.&#160; The Borrowers, jointly and
severally, covenant that they will perform and observe all covenants,
agreements, stipulations and conditions on their part to be performed under the
Original Loan Documents, as amended, restated and modified hereby, and the
Exhibits hereto.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a1_2BalancesOfLoans_122141"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">1.2</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Balances
of Loans</u></b><b><font style="font-weight:bold;">.</font></b></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>The
parties hereby acknowledge and agree that the outstanding principal balance of
the Original Revolving Credit Note as of March&nbsp;31, 2005 (prior to the
making of any additional Loans to finance the Caronia Acquisition) was $0 and
that all accrued interest on the outstanding principal balance thereof has been
paid through March&nbsp;1, 2005.</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>The
parties hereby acknowledge and agree that the outstanding principal balance of
the Original Term Note as of March&nbsp;31, 2005 (prior to the making of any
additional Loans to finance the Caronia Acquisition) was $23,451,512.22 and
that all accrued interest on the outstanding principal balance thereof has been
paid through March&nbsp;1, 2005.</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a1_3ComplianceWithOriginalLoanDoc_122429"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">1.3</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Compliance
with Original Loan Documents</u></b><b><font style="font-weight:bold;">.</font></b>&#160; The Borrowers that are parties to the
Original Loan Documents hereby, jointly and severally, represent and warrant
that they are in</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-4</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

</div>
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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">full
compliance with all terms, conditions, covenants, agreements, stipulations,
representations and warranties under the Original Loan Documents, and they
hereby, jointly and severally, reaffirm the same as of the date hereof.</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a1_4ContinuationOfOriginalLoanDoc_122507"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">1.4</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Continuation
of Original Loan Documents</u></b><b><font style="font-weight:bold;">.</font></b>&#160; Except as specifically modified herein and in
the Exhibits hereto, the Original Loan Documents, as amended, restated and
modified hereby, shall remain in full force and effect in all respects
according to their terms, covenants and conditions as security for the unpaid
balance of the indebtedness and interest thereon evidenced by this Agreement
and the Notes, as if the unpaid balance of the principal, with the interest
accrued thereon, had originally been payable as provided for herein.&#160; Except as specifically set forth herein and
in the Exhibits hereto, nothing in this Agreement shall affect or impair any
rights and powers that the Lender may have thereunder.</p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a1_5TerminationOfOriginalAssignme_122512"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">1.5</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Termination
of Original Assignment of Life Insurance Policies</u></b><b><font style="font-weight:bold;">.&#160; </font></b>Effective as of the date hereof, the Original
Assignment of Life Insurance Policies shall be and hereby is terminated and
rendered of no further force and effect.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<h1 style="margin:0in 0in .0001pt;page-break-after:auto;text-align:center;text-transform:uppercase;"><a name="Article2_RevolvingCreditLoans_122516"><b><u><font size="2" face="Times New Roman" style="font-size:10.0pt;text-transform:none;">ARTICLE&nbsp;2.&#160;
REVOLVING CREDIT LOANS</font></u></b></a></h1>

<h1 style="margin:0in 0in .0001pt;page-break-after:auto;text-align:center;text-transform:uppercase;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:normal;text-transform:none;">&nbsp;</font></b></h1>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a2_1RevolvingCreditCommitment_122520"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">2.1</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Revolving
Credit Commitment</u></b><b><font style="font-weight:bold;">.</font></b>&#160; The Lender hereby agrees, on the terms and
conditions of this Agreement, to lend to the Borrowers the maximum sum of Eight
Million Dollars ($8,000,000) (the &#147;Revolving Credit Commitment&#148;).&#160; The Revolving Credit Commitment shall be
available to the Borrowers, subject to the limitations herein, in whole or part
and from time to time until March&nbsp;31, 2007, and any amounts borrowed may
be repaid in whole or in part and reborrowed until such date.&#160; Each borrowing under the Revolving Credit
Commitment shall be made in accordance with the provisions of this Section&nbsp;2.1,
and shall be subject to the conditions of Article&nbsp;5 hereof, and shall be
in the initial principal amount of $100,000 or any integral multiple of
$100,000 (a &#147;Revolving Credit Loan&#148;).</p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Each
Revolving Credit Loan to be made in accordance with the provisions of this Section&nbsp;2.1
shall, at the election of the Borrowers, be made either in the form of (i) a
Variable Rate Loan (individually, a &#147;Variable Rate Loan&#148; and collectively, the &#147;Variable
Rate Loans&#148;) or (ii)&nbsp;a Eurodollar Rate Loan (individually, a &#147;Eurodollar
Rate Loan&#148; and collectively, the &#147;Eurodollar Rate Loans&#148;); provided, however,
that the Borrowers shall not be permitted to have outstanding at any time more
than a total of eight (8) Eurodollar Rate Loans and Eurodollar Rate Portions of
the Term Loan, except as otherwise permitted by the Lender in its sole
discretion.&#160; Notwithstanding the
foregoing, each Eurodollar Rate Loan shall be in the initial principal amount
of $1,000,000 or any integral multiple of $100,000.&#160; The aggregate unpaid principal amount of the
Variable Rate Loans and the Eurodollar Rate Loans at any one time outstanding
shall not exceed the Revolving Credit Commitment.</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Each
Revolving Credit Loan shall be made pursuant to the request of the Borrowers to
the Lender which request for a Revolving Credit Loan shall specify (i) the
total amount of the Revolving Credit Loan; (ii) the borrowing date (the &#147;Borrowing
Date&#148;), which shall be a Business Day in the case of a Variable Rate Loan and a
Eurodollar Banking Day in the case of a Eurodollar Rate Loan; and (iii) whether
the Revolving Credit Loan is to be a Variable Rate Loan or a</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-5</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

</div>
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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Eurodollar Rate Loan (and
in the case of a Eurodollar Rate Loan, the length of the Interest Period).&#160; Requests for Variable Rate Loans may be made
on the applicable Borrowing Date.&#160;
Requests for Eurodollar Rate Loans shall be made at least three (3)
Eurodollar Banking Days prior to the applicable Borrowing Date.</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">In the
case of a request for a Eurodollar Rate Loan, the Lender shall not later than
11:00&nbsp;a.m., Columbus, Ohio time two (2) Eurodollar Banking Days prior to
the Borrowing Date, give notice to the Borrowers of the Adjusted Eurodollar
Rate (including information as to the calculation thereof) applicable for the
period requested by the Borrowers.&#160; The
Borrowers shall not later than 11:00 a.m., Columbus, Ohio time one (1)
Eurodollar Banking Day prior to the Borrowing Date, give notice by telephone
confirmed in writing to the Lender whether they wish (i) to complete such
borrowing in the form of a Eurodollar Rate Loan; (ii) to complete such
borrowing as a Variable Rate Loan; or (iii) to cancel their request for a
Revolving Credit Loan.&#160; Failure by the
Borrowers to timely deliver such notice shall constitute cancellation of such
request.</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Notwithstanding
any other provision of this Agreement to the contrary, the parties understand
and agree that if and to the extent the Borrowers participate in Lender&#146;s cash
management program, Revolving Credit Loans shall be automatically disbursed and
repaid on a daily basis based on the cash deposits and disbursements in the Borrowers&#146;
accounts with the Lender.</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a2_2ConversionOptions_122621"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">2.2</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Conversion
Options</u></b><b><font style="font-weight:bold;">.</font></b>&#160; The Borrowers may elect from time to time to
convert $1,000,000 or any amount in excess thereof in any integral multiple of
$100,000 of the Variable Rate Loans then outstanding to Eurodollar Rate Loans
by giving the Lender irrevocable telephone notice of such election as provided
in this Section&nbsp;2.2.&#160; Each
Eurodollar Rate Loan shall automatically convert to a Variable Rate Loan upon
its maturity unless the Borrowers elect to continue such Loan as a Eurodollar
Rate Loan by giving the Lender irrevocable telephone notice of such election as
provided in this Section&nbsp;2.2.&#160; Any
such notice pursuant to this Section&nbsp;2.2 shall be received by the Lender
at least three (3) Eurodollar Banking Days prior to the proposed conversion
date, which shall be a Eurodollar Banking Day, and shall specify (i) the
conversion date and (ii) the length of the Interest Period.&#160; If no Event of Default then exists, such
conversion shall be made on the requested conversion date.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a2_3RevolvingCreditNote_122627"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">2.3</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Revolving
Credit Note</u></b><b><font style="font-weight:bold;">.</font></b>&#160; The Revolving Credit Commitment shall be
evidenced by a master amended and restated promissory note (the &#147;Revolving
Credit Note&#148;) of the Borrowers executed by duly authorized officers thereof,
which shall be in the form of <u>Exhibit A</u> attached hereto.&#160; Each Revolving Credit Loan made by the Lender
and each payment made on account of principal on the Revolving Credit Note
shall be recorded by the Lender; provided, however, that the failure of the
Lender to make such notation shall not limit or otherwise affect the
obligations of the Borrowers under the Revolving Credit Note or this
Agreement.&#160; The Revolving Credit Note
shall amend and restate, and be in substitution for, the Original Revolving
Credit Note and shall include the following terms:</p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">(a)</font></b><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Term</u>.</b>&#160; The Revolving Credit Note shall be dated as
of the date of this Agreement and shall be due and payable in full on or before
March&nbsp;31, 2007.</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-6</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

</div>
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<div style="font-family:Times New Roman;">

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">(b)</font></b><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Interest
Rate on Variable Rate Loans</u>.</b>&#160;
From its date, each Variable Rate Loan shall bear interest (computed on
the basis of the actual number of days elapsed over a Business Year) on the
unpaid principal balance at a fluctuating rate per annum equal to the Prime
Rate plus the Applicable Margin (as determined in accordance with Section&nbsp;2.3(d)(iv),
below).&#160; Any change in the interest rate
due to a change in the Prime Rate shall be effective immediately upon and after
the date of each such change in the Prime Rate.</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Interest on the Variable Rate Loans shall be payable
monthly on the first day of each calendar month (each an &#147;Interest Payment Date&#148;),
commencing on the first day of the month following the initial disbursement of
the initial Revolving Credit Loan.</font></p>

<p style="margin:0in 0in .0001pt .5in;text-indent:-.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">(c)</font></b><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Interest
Rate on Eurodollar Rate Loans</u>.</b>&#160;
From its date, each Eurodollar Rate Loan shall bear interest during the
period from the date thereof until and including the maturity date thereof at a
rate per annum equal to the Adjusted Eurodollar Rate plus the Applicable Margin
(as determined in accordance with Section&nbsp;2.3(d)(i), below).&#160; The Borrowers shall be obligated to pay with
respect to each Eurodollar Rate Loan such additional amounts as shall be
determined pursuant to Section&nbsp;2.6 hereof.</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Interest on each Eurodollar Rate Loan shall be payable
(i) with respect to Eurodollar Rate Loans having an Interest Period of 30, 60
or 90 days, on the expiration of such Interest Period, and (ii)&nbsp;with
respect to Eurodollar Rate Loans having a maturity of 180 or 360 days, on the
first day of each March, June, September&nbsp;and December&nbsp;that such
Eurodollar Rate Loan is outstanding and upon expiration of such Interest
Period.&#160; Interest on all Eurodollar Rate
Loans shall be calculated on the basis of the actual number of days elapsed
over a Business Year.</font></p>

<p style="margin:0in 0in .0001pt .5in;text-indent:-.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">(d)</font></b><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Applicable
Margin</u>.</b>&#160; For purposes of Sections
2.3 and 3.2 hereof, the &#147;Applicable Margin&#148; shall be determined as follows:</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(i)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>The
Applicable Margin for Eurodollar Rate Loans shall be two percent (2.00%);</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(ii)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>The
Applicable Margin for Eurodollar Rate Portions of the Term Loan shall be two
and one-half percent (2.50%);</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(iii)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>The Applicable Margin
for purposes of the Variable Term Rate applicable to the Variable Rate Portion
of the Term Loan shall be zero percent (0.0%); and</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(iv)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>The
Applicable Margin for Variable Rate Loans shall be negative one-half percent (-.50%).</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">(e)</font></b><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Optional
Repayments</u>.</b>&#160; Outstanding
Revolving Credit Loans may be repaid in whole or in part at any time, without
premium or penalty, in principal amounts not less than the minimum Revolving
Credit Loan for any borrowing under Section&nbsp;2.1, or any larger amount
permitted thereunder, by tender of payment and delivery of written, telegraphic
or oral notice of payment to the Lender not later than 1:30 p.m., Columbus,
Ohio</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-7</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

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<div style="font-family:Times New Roman;">

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt .5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">time,
on the Business Day on which such repayment is to be made.&#160; Payments received after 1:30 p.m. shall be
deemed tendered on the following Business Day.&#160;
Interest accrued to the date of payment shall be due and payable on the
next following Interest Payment Date unless the Revolving Credit Note is paid
in full, in which event, accrued interest shall become due and payable on the
payment date.</font></p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a2_4CancellationAndReductionOfRev_122749"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">2.4</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Cancellation
and Reduction of Revolving Credit Commitment</u></b><b><font style="font-weight:bold;">.</font></b>&#160;
The Borrowers shall be entitled to permanently reduce or cancel the
Revolving Credit Commitment from time to time upon ten (10) days&#146; prior written
notice to the Lender.&#160; In the event of
cancellation of the Revolving Credit Commitment, the principal amount of the
Revolving Credit Note shall be paid in full, together with all accrued interest
thereon, any unpaid Commitment Fee accrued to the date of cancellation, and all
other amounts owing to the Lender by the Borrowers hereunder with respect to
any Revolving Credit Loans.&#160; In the event
of the permanent reduction of the Revolving Credit Commitment to a level which
is less than the then outstanding principal amount of the Revolving Credit
Note, the Revolving Credit Note shall be prepaid at the time of such reduction
in an amount equal to the then excess of the Revolving Credit Note over the
Revolving Credit Commitment as so reduced.&#160;
Accrued interest on the principal amount of the Revolving Credit Note
repaid shall be included in the interest due and payable on the next Interest
Payment Date.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a2_5UseOfFunds_122753"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">2.5</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Use
of Funds</u></b><b><font style="font-weight:bold;">.</font></b>&#160; Revolving Credit Loans shall be used for the
working capital requirements of the Borrowers and may be used to pay a portion
of the Caronia Purchase Price (including, without limitation, any post-closing
adjustment payments that may be required under Section&nbsp;2.4 of the Caronia
Purchase Agreement) and the Related Transaction Expenses.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a2_6AdditionalProvisionsAndLimita_122758"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">2.6</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Additional
Provisions and Limitations Relating to Eurodollar Rate Loans</u></b><b><font style="font-weight:bold;">.</font></b>&#160;
The additional provisions and limitations set forth below shall apply
with respect to Eurodollar Rate Loans:</p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>In
the event the Lender shall incur any loss, cost or reasonable expense
(including, without limitation, any loss, cost or reasonable expense incurred
by reason of the liquidation or reemployment of deposits or other funds
acquired or contracted to be acquired by the Lender to fund or maintain or the
relending or reinvesting of such deposits or other funds or amounts paid or
prepaid to the Lender) as a result (i) of any payment or prepayment of a
Eurodollar Rate Loan on a date other than the last day of the then applicable
Interest Period for such Eurodollar Rate Loan for any reason or (ii) any
failure by the Borrowers to borrow funds as a Eurodollar Rate Loan after they
have given a notice of election with respect thereto for any reason, whether
before or after default, and whether or not such payment is required by any
provisions of this Agreement; then, within three (3) days after receipt of the
written demand of the Lender, the Borrowers shall pay to the Lender such amount
as will reimburse the Lender for such loss, cost or expense.&#160; If the Lender requests such a reimbursement,
it shall provide to the Borrowers at the time of demand a certificate setting
forth the computation of the loss, cost or expense giving rise to the request
for reimbursement in reasonable detail and such certificate shall be conclusive
if reasonably determined, absent manifest error.</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-8</font></p>

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<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>If
the Lender shall, in good faith, determine that it is unable to reasonably
ascertain the Eurodollar Rate or to acquire Eurodollar deposits on reasonable
terms in an amount sufficient to meet a request for a Eurodollar Rate Loan, the
Lender shall promptly notify the Borrowers.&#160;
In such event, the Borrowers may request a Variable Rate Loan of like
amount without regard to the notice requirement of Section&nbsp;2.1 or may
cancel such request.</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(c)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>The
obligation of the Lender to make Eurodollar Rate Loans hereunder shall be
suspended in the event that any change in any law or regulation or in any
interpretation thereof by any governmental authority charged with its
administration shall, in the sole opinion of the Lender, make it unlawful for
the Lender to comply with its obligation to make or maintain any Eurodollar
Rate Loan hereunder for the duration of such illegality.&#160; The Lender shall promptly notify the
Borrowers of such suspension, and, if and when, in the sole opinion of the
Lender, such illegality ceases to exist, such suspension shall cease and the
Lender shall promptly notify the Borrowers of the termination of such
suspension.</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(d)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>If
the Lender has Eurodollar Rate Loans outstanding and there shall occur any
change in applicable law, regulation or interpretation (including any request,
guideline or policy not having the force of law by any authority charged with
the administration or interpretation thereof) (i) which change directly affects
transactions in Eurodollars, (ii) which involves new or additional taxes,
reserves or deposit requirements in regard to the Eurodollar Rate Loans or
changes in the basis of taxation of payments on such Loans, or (iii) which, if
the Eurodollar Rate Loans made hereunder by the Lender were to have been matched
with Eurodollar deposits corresponding in amounts to such Eurodollar Rate Loans
and having maturity dates which are the same as such Eurodollar Rate Loans
regardless of whether or not such Eurodollar Rate Loans are in fact so matched,
increases the cost to the Lender of making or maintaining the Eurodollar Rate
Loans hereunder or reduces the amount of any payments (whether of principal,
interest or otherwise) receivable by the Lender as to any Eurodollar Rate Loans
or requires the Lender to make any payment on or calculated by reference to the
gross amount of any sum received by it as to such Eurodollar Rate Loans, then
where the amount of any such additional cost, reduction or payment is deemed
material by the Lender:</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt 1.0in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(i)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>the
Lender shall promptly notify the Borrowers of the occurrence of such event;</p>

<p style="margin:0in 0in .0001pt 1.0in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt 1.0in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(ii)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>the
Lender shall promptly deliver to the Borrowers a certificate stating the change
which has occurred, together with the date thereof and the amount of and the
manner of calculating the increased cost on any outstanding Eurodollar Rate
Loan; and</p>

<p style="margin:0in 0in .0001pt 1.0in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt 1.0in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(iii)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>upon receipt of such
certificate from the Lender, the Borrowers shall pay to the Lender on demand
the amount or amounts of such additional cost with respect to such outstanding
Eurodollar Rate Loan as additional compensation hereunder.</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-9</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

</div>
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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(e)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>The
certificate of the Lender delivered to the Borrowers as to the additional
amount payable pursuant to Section&nbsp;2.6(d) shall (in the absence of
manifest error in the transmission or calculation) be conclusive evidence of
the amount thereof.&#160; The protection of
this Section&nbsp;2.6(e) shall be available to the Lender regardless of any
possible contention of invalidity or inapplicability of the law, regulation or
condition which has been imposed.&#160;
However, if the Borrowers have made a payment of any additional amounts
pursuant to Section&nbsp;2.6(d) and any subsequent event occurs which reduces
the amount of the increased cost incurred by the Lender, then the Lender shall
promptly refund to the Borrowers an amount equal to such reduction in the
amount of increased cost.</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(f)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>In
addition to the other amounts payable hereunder, the Borrowers shall pay to the
Lender such additional amounts as shall compensate the Lender for increased
costs which the Lender, in its sole discretion, reasonably determines in good
faith to be allocable to Eurodollar Rate Loans.&#160;
Additional amounts payable under this Section&nbsp;2.6(f) shall be paid
by the Borrowers to the Lender on the maturity of the respective Eurodollar
Rate Loans, subject to receipt by the Borrowers from the Lender of a
certificate showing the amount and certifying as to the correctness thereof.</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a2_7LettersOfCredit_122846"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">2.7</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Letters
of Credit</u></b><b><font style="font-weight:bold;">.</font></b>&#160; The Lender has issued, and in the Lender&#146;s
sole discretion may hereafter issue from time to time, certain letters of
credit (the &#147;Letters of Credit&#148;) for the account of one or more of the
Borrowers.&#160; It is the intention of the
Borrowers and the Lender that the Letters of Credit become and shall be a part
of the Revolving Credit Commitment.&#160;
Therefore, upon any draws under the Letters of Credit, the amount of any
such draw shall be treated as a Revolving Credit Loan hereunder and shall be
subject to all of the terms of this Agreement, the Revolving Credit Note and
the other Loan Documents.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><a name="Article3_TermLoan_122850"><b><u><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">ARTICLE&nbsp;3.&#160; TERM LOAN</font></u></b></a></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a3_1TermLoanAmount_122854"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">3.1</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Term
Loan Amount</u></b><b><font style="font-weight:bold;">.</font></b>&#160; The Lender hereby agrees on the terms and
conditions of this Agreement to lend to the Borrowers the maximum sum of Forty
Million Five Hundred Thousand Dollars and 00/100 Cents ($40,500,000) (the &#147;Term
Loan&#148;).</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a3_2TermNote_122857"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">3.2</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Term
Note</u></b><b><font style="font-weight:bold;">.</font></b>&#160; The Term Loan shall be evidenced by an
amended and restated promissory note of the Borrowers executed by duly
authorized officers thereof (the &#147;Term Note&#148;), which Term Note shall be in the
form of <u>Exhibit B</u> attached hereto with blanks appropriately
completed.&#160; The Term Note shall amend and
restate, and be in substitution for, the Original Term Note and shall include
the following terms:</p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">(a)</font></b><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Term</u>.</b>&#160; The Term Note shall be dated as of the date
of its execution and delivery by the Borrowers and shall be due and payable in
full on or before March&nbsp;31, 2010.</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">(b)</font></b><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Variable
Rate Portions</u>.</b>&#160; The unpaid
principal balance of the Term Note, other than the Eurodollar Rate Portions
thereof, shall bear interest (computed on the basis of the actual number of
days elapsed over a Business Year) at a fluctuating rate per annum equal to the
Prime Rate plus the Applicable Margin (as determined in accordance with</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-10</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt .5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Section&nbsp;2.3(d)(iii),
above) (the &#147;Variable Term Rate&#148;).&#160; The
portion of the indebtedness evidenced by the Term Note that bears interest at
the Variable Term Rate is referred to herein as the &#147;Variable Rate Portion.&#148;&#160; Any change in the interest rate due to a
change in the Prime Rate shall be effective immediately from and after the date
of each such change in the Prime Rate.</font></p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">(c)</font></b><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Eurodollar
Rate Portions</u>.</b>&#160; The Borrowers may
elect from time to time to have portions of the principal indebtedness
evidenced by the Term Note (each a &#147;Eurodollar Rate Portion&#148;) bear interest at
a rate per annum equal to the Adjusted Eurodollar Rate plus the Applicable
Margin (as determined in accordance with Section&nbsp;2.3(d)(ii), above) (the &#147;Adjusted
Eurodollar Term Rate&#148;) by providing a request therefor to the Lender not less
than three (3) Eurodollar Banking Days prior to the applicable Effective Date
for each such Eurodollar Rate Portion, which request shall specify:
(i)&nbsp;the total amount of the Eurodollar Rate Portion; (ii) the effective
date of the applicable Adjusted Eurodollar Term Rate (the &#147;Effective Date&#148;),
which shall be a Eurodollar Banking Day, and (iii) the length of the applicable
Interest Period.&#160; The Lender shall not
later than 11:00 a.m., Columbus, Ohio time, two (2) Eurodollar Banking Days
prior to the Effective Date for such Eurodollar Rate Portion, give notice to
the Borrowers of the applicable Adjusted Eurodollar Term Rate (including
information as to the calculation thereof) applicable for the period requested
by the Borrowers.&#160; The Borrowers shall
not later than 11:00 a.m., Columbus, Ohio time, one (1) Eurodollar Banking Day
prior to the Effective Date of each Eurodollar Rate Portion give notice by
telephone to the Lender as to whether or not they wish to elect to have such
Eurodollar Rate Portion bear interest at the applicable Adjusted Eurodollar
Term Rate commencing as of the applicable Effective Date.&#160; In the event the Borrowers elect not to have
such Eurodollar Rate Portion bear interest at the applicable Adjusted
Eurodollar Term Rate or fail to timely deliver such notice of election, such
Eurodollar Rate Portion shall continue to bear interest at the Variable Term
Rate until the Borrowers elect otherwise in accordance with provisions of this
paragraph.&#160; Upon the expiration of the
Interest Period applicable to each Eurodollar Rate Portion, such Eurodollar
Rate Portion shall, unless the Borrowers have otherwise elected in accordance
with the provisions of this paragraph, bear interest at the Variable Term
Rate.&#160; Each Eurodollar Rate Portion shall
be in the initial amount of $1,000,000 or any integral multiple of
$100,000.&#160; Each election to have a
Eurodollar Rate Portion bear interest at the Adjusted Eurodollar Term Rate
shall be recorded by the Lender; provided, however, that the failure of the Lender
to make such recordation shall not limit or otherwise affect the obligations of
the Borrowers under the Term Note.&#160; Each
Eurodollar Rate Portion shall bear interest during the Interest Period selected
therefor at a rate per annum equal to the Adjusted Eurodollar Rate plus the
Applicable Margin.&#160; The Borrowers shall
be obligated to pay with respect to each Eurodollar Rate Portion such
additional amounts as shall be determined pursuant to Section&nbsp;3.4 hereof.</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">(d)</font></b><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Interest
Payment Dates</u>.</b></p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt 1.0in;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">(i)</font></b><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Variable
Rate Portion</u></b>.&#160; Interest on the
Variable Rate Portion shall be payable monthly on each Interest Payment Date,
commencing on the first Interest Payment Date following the date of issuance of
the Term Note.</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-11</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

</div>
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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt 1.0in;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">(ii)</font></b><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Eurodollar
Rate Portions</u>.</b>&#160; Interest on each
Eurodollar Rate Portion shall be payable (i) with respect to Eurodollar Rate
Portions having an Interest Period of 30, 60 or 90 days, on the expiration of
such Interest Period, and (ii) with respect to Eurodollar Rate Portions having
an Interest Period of 180 or 360 days, on the first day of each March, June, September&nbsp;and
December&nbsp;during such Interest Period and upon expiration of such Interest
Period.&#160; Interest on all Eurodollar Rate
Portions shall be calculated on the basis of the actual number of days elapsed
over a Business Year.</p>

<p style="margin:0in 0in .0001pt 1.0in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">(e)</font></b><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Principal
Payments</u>.</b>&#160; Principal payments on
the Term Note shall be due and payable as follows:&#160; (i) fifty-nine (59) equal consecutive monthly
installments in the amount of $675,000 each shall be due and payable commencing
on May&nbsp;1, 2005 and continuing on each Interest Payment Date thereafter to
and including March&nbsp;1, 2010; and (ii)&nbsp;one final payment in the amount
of the unpaid principal balance of the Term Note and accrued, unpaid interest
thereon shall be due and payable on March&nbsp;31, 2010.</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a3_3OptionalPrepayments_122944"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">3.3</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Optional
Prepayments</u></b><b><font style="font-weight:bold;">.</font></b>&#160; The outstanding principal balance of the Term
Note may be prepaid in whole or in part at any time, without premium or
penalty, in principal amounts not less than the minimum Eurodollar Rate Portion
for any borrowing under Section&nbsp;3.2(c) (provided that prepayments of the
Variable Term Rate Portion may be made in the amount of $100,000 or more), or
any larger amount permitted thereunder, by tender of payment and delivery of
written, telegraphic or oral notice of payment to the Lender not later than
1:30 p.m., Columbus, Ohio time, on the Business Day on which such prepayment is
to be made.&#160; Payments received after 1:30
p.m. shall be deemed tendered on the following Business Day.&#160; Any prepayments shall be applied against
scheduled principal payments in the inverse order of their due date.&#160; Interest accrued to the date of payment shall
be due and payable on the next following Interest Payment Date unless the Term
Note is paid in full, in which event, accrued interest shall become due and
payable on the payment date.</p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a3_4AdditionalProvisionsAndLimita_123021"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">3.4</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Additional
Provisions and Limitations Relating to Eurodollar Rate Portions</u></b><b><font style="font-weight:bold;">.</font></b>&#160;
The additional provisions and limitations set forth below shall apply to
Eurodollar Rate Portions:</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>If
the Lender shall, in good faith, determine that it is unable to reasonably
ascertain the Adjusted Eurodollar Term Rate for a particular Eurodollar Rate
Portion or to acquire Eurodollar deposits on reasonable terms in an amount
sufficient to meet a request for a portion of the total indebtedness evidenced
by the Term Note to bear interest at the Adjusted Eurodollar Term Rate, the
Lender shall promptly notify the Borrowers.&#160;
In such event, such Eurodollar Rate Portion shall bear interest at the
Variable Term Rate.</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>The
provisions of Sections 2.6(a) and 2.6(c) through (f), inclusive, shall be
applicable to each Eurodollar Rate Portion to the same extent as if such
provisions were restated in full in this Section&nbsp;3.4(b) with the terms &#147;Eurodollar
Rate Loan(s)&#148; and &#147;Variable Rate Loan&#148; replaced each time they appear therein
with the terms &#147;Eurodollar Rate Portion(s)&#148; and &#147;Variable Rate Portion&#148;,
respectively.</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-12</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

</div>
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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a3_5MandatoryPrepayments_123037"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">3.5</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Mandatory
Prepayments</u></b><b><font style="font-weight:bold;">.</font></b></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>If
Seller pays Octagon any amount in excess of $500,000 pursuant to its
indemnification obligations under Article&nbsp;X of the Caronia Purchase
Agreement and such payment relates to an indemnification claim based upon Seller&#146;s
failure to deliver good title to the Acquired Shares or any other assets
purchased from Seller by Octagon pursuant to the provisions of the Caronia
Purchase Agreement, free and clear of all claims and encumbrances, or Caronia&#146;s
failure to own and have good title to any asset, free and clear of all claims
and encumbrances, then Octagon shall pay such amount to the Lender as a
prepayment of the Term Loan within one (1) Business Day after Octagon&#146;s receipt
of the same.</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>In
addition to the regularly scheduled monthly payments of interest and principal
required to be made by the Borrowers to the Lender under Section&nbsp;3.2
hereof, the Borrowers shall make mandatory annual prepayments of the principal
amount of the Term Note in an aggregate amount not less than one hundred
percent (100%) of Excess Cash Flow for each Fiscal Year of the Company
occurring during the term of the Term Note, commencing with the Fiscal Year
ending December&nbsp;31, 2005, until the earlier of the following: (i) the
scheduled maturity date of the Term Note; (ii) the repayment in full of the
Term Loan; or (iii) the last day of the first full Fiscal Year of the Company
occurring after the date hereof for which the ratio of the Company&#146;s Funded
Indebtedness (including, without limitation, borrowings pursuant to this
Agreement) to EBITDA for such Fiscal Year is less than 1.00 to 1.00.&#160; Such mandatory prepayments of principal to
the Lender shall be calculated based on the audited consolidated financial
statements of the Company for each applicable Fiscal Year of the Company.&#160; The Borrowers shall pay the Lender the
mandatory prepayment of principal payable hereunder with respect to each Fiscal
Year of the Company on or before April&nbsp;30 of the following Fiscal Year;
provided, however, that any principal prepayments made between May 1 of the
applicable Fiscal Year and April&nbsp;30 of the following Fiscal Year shall be
credited toward the mandatory principal prepayment amount with respect to such
applicable Fiscal Year that is payable on or before April&nbsp;30 of such
following Fiscal Year.</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(c)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Any
payments under this Section&nbsp;3.5 received after 1:30 p.m. shall be deemed
tendered on the following Business Day.&#160;
Any prepayments shall be applied against scheduled principal payments in
the inverse order of their due date.&#160;
Interest accrued to the date of payment shall be due and payable on the
next following Interest Payment Date unless the Term Note is paid in full, in
which event accrued interest shall become due and payable on the payment date.</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<h1 style="margin:0in 0in .0001pt;page-break-after:auto;text-align:center;text-transform:uppercase;"><a name="Article4_FeesPaymentsSetoffsSecur_123049"><b><u><font size="2" face="Times New Roman" style="font-size:10.0pt;text-transform:none;">ARTICLE&nbsp;4.&#160;
FEES, PAYMENTS, SETOFFS, SECURITY, DEFAULT RATE</font></u></b></a></h1>

<h1 style="margin:0in 0in .0001pt;page-break-after:auto;text-align:center;text-transform:uppercase;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:normal;text-transform:none;">&nbsp;</font></b></h1>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a4_1Fees_123055"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">4.1</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Fees</u></b><b><font style="font-weight:bold;">.</font></b>&#160; On
the date hereof, the Borrowers shall pay to the Lender an additional facility fee
in the amount of $141,250 (the &#147;Facility Fee&#148;).&#160;
The Borrowers shall also pay to the Lender an unused commitment fee (the
&#147;Commitment Fee&#148;) based on the daily average amount of the Revolving Credit
Commitment not drawn down in Revolving Credit Loans (the &#147;Unused Commitment&#148;)
for the period beginning with the date hereof and ending December&nbsp;31, 2005
or on</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-13</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

</div>
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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">the
sooner cancellation in full of the Revolving Credit Commitment.&#160; The Commitment Fee shall be payable quarterly
in arrears (i) within ten (10) days after the last day of March, June, September&nbsp;and
December&nbsp;of each year commencing with the quarter ending on June&nbsp;30,
2005, and (ii) within ten (10) days after the date on which the Revolving
Credit Commitment is fully terminated.&#160;
The amount of the Commitment Fee shall be equal to one-half of one
percent (0.50%) per annum of the Unused Commitment (computed on the basis of
the actual number of days elapsed over a Business Year).</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a4_2Payments_123201"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">4.2</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Payments</u></b><b><font style="font-weight:bold;">.</font></b>&#160;
All payments and prepayments by the Borrowers to be made in respect of
the Commitment Fee or of principal or interest on the Revolving Credit Note and
the Term Note (collectively, the &#147;Notes&#148;) shall become due at 1:30 p.m.,
Columbus, Ohio time on the day when due, and shall be made to the Lender in
federal funds or other immediately available lawful money of the United States
of America.&#160; Whenever any payment to be
made hereunder shall be due other than on a Business Day, such payment shall be
made on the next succeeding Business Day and such extension of time shall in
such case be included in the computation of interest or fees hereunder.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a4_3Setoffs_123203"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">4.3</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Setoffs</u></b><b><font style="font-weight:bold;">.</font></b>&#160; Upon
the occurrence and continuance of any Event of Default, the Lender shall have
the right to set off against all obligations of each Borrower to the Lender
under this Agreement and the Notes, whether matured or unmatured, all amounts
owing to such Borrower by the Lender, whether or not then due and payable, and
all funds or property of such Borrower on deposit with or otherwise held or in
the custody of the Lender for the beneficial account of such Borrower.&#160; Such funds shall be charged against accrued interest
on and/or principal of the Notes as the Lender may determine in its discretion.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a4_4Security_123206"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">4.4</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Security</u></b><b><font style="font-weight:bold;">.</font></b></p>

<p style="margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">(a)</font></b><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Borrower
Security Agreements and </u></b><b><u><font style="font-weight:bold;">Intellectual Property </font>Security Agreements</u>.</b>&#160;
As security for the payment of the Notes and for the performance of, and
compliance with all of the terms, covenants, conditions, stipulations and
agreements contained in this Agreement, the Notes and the other Loan Documents,
the Borrowers, by separate Second Amended and Restated Borrower Security
Agreements each in the form attached hereto as <u>Exhibit C</u> and
incorporated herein by this reference (individually, a &#147;Borrower Security
Agreement&#148; and collectively, the &#147;Borrower Security Agreements&#148;), by separate Second
Amended and Restated Security Agreements Re:&#160;
Patents, Trademarks and Copyrights, each in the form attached hereto as <u>Exhibit
D</u> and incorporated herein by this reference (individually, an &#147;Intellectual
Property Security Agreement&#148; and collectively, the &#147;Intellectual Property
Security Agreements&#148;), and by other instruments contemplated thereby, shall, as
provided in the Borrower Security Agreements and the Intellectual Property
Security Agreements, assign and grant to the Lender a first perfected security
interest in all the collateral described in the Borrower Security Agreements
and the Intellectual Property Security Agreements.&#160; Notwithstanding the foregoing, the Borrower
Security Agreement and Intellectual Property Security Agreement executed by the
Additional Borrowers shall be modified as appropriate to reflect that such
agreements do not amend or restate any prior agreements.</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-14</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">(b)</font></b><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Stock
Pledge Agreements</u>.</b>&#160; As security
for the payment of the Notes and for the performance of, and compliance with
all of the terms, covenants, conditions, stipulations and agreements contained
in this Agreement, the Notes and the other Loan Documents, the relevant
Borrowers, by separate Second Amended and Restated Stock Pledge Agreements each
in the form attached hereto as <u>Exhibit E</u> and incorporated herein by this
reference (individually, a &#147;Stock Pledge Agreement&#148; and collectively, the &#147;Stock
Pledge Agreements&#148;) and by other instruments contemplated thereby, shall, as
provided in the Stock Pledge Agreements, grant to the Lender a security
interest in all of the shares of capital stock of each of the Company&#146;s
Subsidiaries owned by the respective Borrower (including, without limitation,
CMI, CHSI, CIDSI, CMIMC, CVI, CDSC, Barron Risk, Octagon, Caronia, MCHC,
KRAMMCO and ICSI) and pledge and assign to the Lender all of the stock
certificates evidencing such shares.&#160;
Notwithstanding the foregoing, the Stock Pledge Agreement relating to
the shares of capital stock of the Additional Borrowers shall be modified as
appropriate to reflect that it does not amend or restate any prior agreement.</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">(c)</font></b><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Collateral
Assignment of Leasehold Interest</u>.</b>&#160;
As security for the payment of the Notes and for the performance of, and
compliance with all of the terms, covenants, conditions, stipulations and
agreements contained in this Agreement, the Notes and the other Loan Documents,
CMI, by a second Amended and Restated Collateral Assignment of Leasehold
Interest in the form attached hereto as <u>Exhibit F</u> and incorporated
herein by this reference (the &#147;Assignment of Leasehold Interest&#148;) and by other
instruments contemplated thereby, shall, as provided in the Assignment of
Leasehold Interest assign and grant to the Lender all of CMI&#146;s right, title and
interest in, to and under the Dublin Lease.</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a4_5DefaultRate_123226"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">4.5</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Default
Rate</u></b><b><font style="font-weight:bold;">.</font></b>&#160; Overdue principal and, to the extent
permitted by law, overdue interest in respect of any Loan shall bear interest
at a rate equal to the sum of the rate otherwise applicable to such Loan
pursuant to Section&nbsp;2.3 or Section&nbsp;3.2 hereof plus 3% per annum (the &#147;Default
Rate&#148;).&#160; The application of this
paragraph shall not constitute a waiver of any Event of Default or an agreement
by the Lender to permit any later payments whatsoever.</p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<h1 style="margin:0in 0in .0001pt;page-break-after:auto;text-align:center;text-transform:uppercase;"><a name="Article5_ConditionsOfBorrowing_123230"><b><u><font size="2" face="Times New Roman" style="font-size:10.0pt;text-transform:none;">ARTICLE&nbsp;5.&#160;
CONDITIONS OF BORROWING</font></u></b></a></h1>

<h1 style="margin:0in 0in .0001pt;page-break-after:auto;text-align:center;text-transform:uppercase;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:normal;text-transform:none;">&nbsp;</font></b></h1>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">The
obligation of the Lender to make the Loans to the Borrowers provided for
hereunder shall be subject to the following conditions:</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a5_1ConditionsPrecedentToTheTermL_123235"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">5.1</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Conditions
Precedent to the Term Loan and the Initial Revolving Credit Loan</u></b><b><font style="font-weight:bold;">.</font></b></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Prior
to the disbursement of the undisbursed portion of the Term Loan, and the initial
Revolving Credit Loan hereunder, the Borrowers shall furnish to the Lender the
following, each dated the date required under Section&nbsp;2.3(a) or 3.2(a), as
applicable, or such earlier or later date as may be acceptable to the Lender,
and in form and substance satisfactory to the Lender and counsel for the
Lender:</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(i)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>The
duly executed Revolving Credit Note in the form of the attached <u>Exhibit&nbsp;A</u>;</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-15</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(ii)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>The
duly executed Term Note in the form of the attached <u>Exhibit B</u>;</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(iii)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>The duly executed
Borrower Security Agreements each in the form of the attached <u>Exhibit C</u>,
the duly executed Intellectual Property Security Agreements each in the form of
attached <u>Exhibit&nbsp;D</u>;</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(iv)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>The
duly executed Stock Pledge Agreements each in the form of the attached <u>Exhibit&nbsp;E</u>,
together with the original stock certificates pledged thereby and stock powers
with respect thereto executed in blank;</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(v)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>The
duly executed Assignment of Leasehold Interest in the form of the attached <u>Exhibit&nbsp;F</u>,
together with a duly executed estoppel certificate from the landlord under the
Dublin Lease in form and substance acceptable to the Lender and its counsel
(the &#147;Landlord Estoppel Certificate&#148;); provided, however, that the Borrowers
shall be permitted to deliver the Landlord Estoppel Certificate at any time
prior to June&nbsp;30, 2005;</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(vi)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>[Not
used];</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(vii)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Evidence that the Caronia
Acquisition has been consummated in accordance with the provisions of the Caronia
Purchase Agreement, subject to payment of the initial purchase price for the Acquired
Shares upon disbursement of the undisbursed portion of the Term Loan and the
initial Revolving Credit Loan hereunder (if any);</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(viii)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Copies of the following
documents certified by the president or a vice president of the Company as
being true, correct and complete:</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt 1.0in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(A)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>The
Caronia Purchase Agreement (including all schedules and exhibits thereto and
all related agreements); and</p>

<p style="margin:0in 0in .0001pt 1.0in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt 1.0in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(B)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Such
other agreements, documents and instruments executed and delivered pursuant to
or in connection with the Caronia Acquisition, the Caronia Purchase Agreement
or the transactions contemplated thereby as the Lender may reasonably request;</p>

<p style="margin:0in 0in .0001pt 1.0in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(ix)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Certified
copies of the resolutions of the board of directors of each Borrower authorizing
the execution, delivery and performance of its respective obligations under
this Agreement, the other Loan Documents and certified copies of the
resolutions of the board of directors of Octagon authorizing the execution,
delivery and performance of its obligations under the Caronia Purchase
Agreement;</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(x)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Certificates
of the Secretary or an Assistant Secretary of each Borrower, which shall
certify the names of the officers of each such corporation authorized to sign
this Agreement and the Notes, the other Loan Documents or any other documents
or certificates to be delivered pursuant to this Agreement by such Borrower, as
applicable, or any of its respective officers, together with the true
signatures of such officers.&#160; The Lender
may conclusively rely upon each such certificate until it shall receive a
further certificate of the</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-16</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt .5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Secretary
or an Assistant Secretary of the applicable corporation canceling or amending
the prior certificate and submitting the signatures of the officers named in
such further certificate;</font></p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(xi)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Evidence
that the Borrowers have in effect insurance and endorsements of the character and
amount described in Section&nbsp;7.7 hereof;</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(xii)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>One or more opinions of
counsel to the Borrowers addressed to the Lender opining as to the matters set
forth in <u>Exhibit&nbsp;G</u> hereto and as to such other matters as the
Lender may request and containing only such qualifications as are acceptable to
the Lender and its counsel;</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(xiii)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Evidence that no material
adverse change shall have occurred with respect to the credit or financial
condition of the Borrowers taken as a whole;</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(xiv)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>(A) Pro forma projected
balance sheets of each Borrower after giving effect to the Caronia Acquisition
and each of the transactions contemplated by this Agreement, the Caronia
Purchase Agreement, and each of the other Loan Documents, copies of which pro
forma balance sheets are attached hereto as <u>Exhibit&nbsp;I</u>
(collectively, the &#147;Pro Forma Balance Sheet&#148;); and (B) projections of the
income and cash flows of the Borrowers for the succeeding five (5) Fiscal Years
ending on December&nbsp;31, 2009, copies of which projections are attached
hereto as <u>Exhibit J</u>;</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(xv)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>A
solvency certificate from the chief financial officer of the Company, on behalf
of the Borrowers, in form and substance as set forth in <u>Exhibit K</u>
attached hereto, which shall be addressed to the Lender, dated as of the date
hereof;</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(xvi)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Copies of each legal opinion
delivered in connection with the Caronia Acquisition, accompanied by a reliance
letter of counsel rendering such opinion to the effect that the Lender may rely
on such opinion (or containing such reliance language within the terms
thereof); and</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(xvii)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Such other opinions,
certificates, affidavits, documents and filings as the Lender may deem
reasonably necessary or appropriate.</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>The
Lender&#146;s obligation hereunder to make the Term Loan and the initial Revolving
Credit Loan shall be subject to the fulfillment, to the Lender&#146;s satisfaction
prior to the disbursement of such Loans, of the following additional
conditions:</p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(i)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>The
Caronia Acquisition shall have been consummated in accordance with the
provisions of the Caronia Purchase Agreement, subject to payment of the initial
purchase price for the Acquired Shares upon disbursement of the undisbursed
portion of the Term Loan and the initial Revolving Credit Loan hereunder (if
any); and</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(ii)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>All
of the conditions to the Caronia Acquisition set forth in the Caronia Purchase
Agreement (other than payment of the Caronia Purchase Price) shall have been</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-17</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt .5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">satisfied
and fulfilled (and not waived by any party thereto) and the Caronia Acquisition
shall have been consummated in accordance with the provisions of the Caronia
Purchase Agreement, subject to payment of the Caronia Purchase Price upon
disbursement of the undisbursed portion of the Term Loan and the initial
Revolving Credit Loan hereunder.</font></p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a5_2ConditionsPrecedentToEachOfTh_123406"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">5.2</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Conditions
Precedent to Each of the Loans</u></b><b><font style="font-weight:bold;">.</font></b>&#160; At the time of each Revolving Credit Loan
after the initial Revolving Credit Loan hereunder and at the time of making the
Term Loan hereunder, each of the Borrowers shall be in compliance with all of
the provisions and covenants contained in this Agreement and the other Loan Documents
with which it is to comply; there shall exist no Event of Default; no event
shall exist or shall have occurred which with the lapse of time or notice or
both would constitute an Event of Default; and all of the representations and
warranties of the Borrowers under the Loan Documents shall be true and correct
in all material respects (except for those representations and warranties that
are expressly made as of an earlier date in which case such representations and
warranties shall have been true and correct, in all material respects, as of
such earlier date).</p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<h1 style="margin:0in 0in .0001pt;page-break-after:auto;text-align:center;text-transform:uppercase;"><a name="Article6_RepresentationsAndWarran_123416"><b><u><font size="2" face="Times New Roman" style="font-size:10.0pt;text-transform:none;">ARTICLE&nbsp;6.&#160;
REPRESENTATIONS AND WARRANTIES</font></u></b></a></h1>

<h1 style="margin:0in 0in .0001pt;page-break-after:auto;text-align:center;text-transform:uppercase;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:normal;text-transform:none;">&nbsp;</font></b></h1>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">The
Borrowers, jointly and severally, hereby represent and warrant to the Lender,
which representations and warranties shall survive the execution and delivery
of this Agreement and the Notes, as follows.</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a6_1OrganizationAndAuthority_123419"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">6.1</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Organization
and Authority</u></b><b><font style="font-weight:bold;">.</font></b>&#160; Each of the Borrowers is a corporation duly
organized, validly existing and in good standing under the laws of the state of
its incorporation, and has all requisite power and authority to execute,
deliver and perform this Agreement and all of the documents executed in
connection with the Loans and to own and operate its properties and to carry on
its business as now conducted.&#160; Octagon
has all requisite power and authority to execute, deliver and perform the Caronia
Purchase Agreement.&#160; The execution,
delivery and performance of this Agreement, the Notes and the other Loan
Documents have been duly authorized by the Borrowers by all necessary corporate
actions; the execution, delivery and performance of the Caronia Purchase
Agreement have been duly authorized by Octagon by all necessary corporate
actions; there is no prohibition, either in law, in its certificate of
incorporation, articles of incorporation, bylaws, regulations or other
organizational documents, or in any order, writ, injunction or decree of any
court or arbitrator presently in effect having applicability to any Borrower or
SCC that in any way prohibits or would be violated by the execution and
performance of this Agreement, the Notes, the other Loan Documents or the Caronia
Purchase Agreement in any respect; and this Agreement, the Notes, the other
Loan Documents and the Caronia Purchase Agreement are and will be valid,
binding and enforceable obligations of the Borrowers, as applicable, except as
enforcement thereof may be limited by bankruptcy, insolvency or similar laws
affecting the enforcement of creditors&#146; rights generally and except to the
extent enforcement thereof may be limited by the application of general
principles of equity.&#160; SCC owns
beneficially and of record at least eighty percent (80%) of the issued and
outstanding shares of capital stock of the Company.&#160; The Company owns beneficially and of record
all of the issued and outstanding shares of capital stock of CMI.&#160; CMI owns beneficially and of record all of
the issued and outstanding shares of capital stock of CHSI, CIDSI, CMIMC, CVI,
Barron Risk, Octagon KRAMMCO and ICSI.&#160;
CVI owns beneficially and of record all of the issued and outstanding shares
of capital stock of CDSC.&#160; As of the date
hereof, as a result</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-18</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">of the
completion of the Caronia Acquisition, Octagon owns or will own beneficially
and of record all of the issued and outstanding shares of capital stock of Caronia
and MCHC.&#160; <u>Schedule&nbsp;6.1</u>
attached hereto contains a complete and correct list of all of the Company&#146;s
Subsidiaries and of the Company&#146;s and its Subsidiaries&#146; directors and officers,
in each case after giving effect to the consummation of the Caronia
Acquisition.</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a6_2Qualification_123444"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">6.2</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Qualification</u></b><b><font style="font-weight:bold;">.</font></b>&#160;
Each of the Borrowers is duly qualified or licensed and in good standing
as a foreign corporation duly authorized to do business in each jurisdiction in
which the character of the properties owned or leased or the nature of the
activities conducted makes such qualification or licensing necessary and in
which the failure to be so qualified would have a Material Adverse Effect.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a6_3InvestmentsGuaranteesLiabilit_123447"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">6.3</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Investments;
Guarantees; Liabilities</u></b><b><font style="font-weight:bold;">.</font></b>&#160; Except as permitted in Sections 8.1, 8.3, 8.7
and 8.10 hereof, the Borrowers have made no material investments (other than
investment in themselves) in, material advances to or guarantees of the
obligations of any Person other than guarantees for the benefit of the
Lender.&#160; As of the date hereof, except
for Indebtedness hereunder and the Tax Allocation Agreement and Indebtedness
disclosed in <u>Schedule&nbsp;8.10</u> attached hereto, the Borrowers do not
have any material Liabilities, direct or contingent, except for
(i)&nbsp;Liabilities reflected in the Balance Sheet and/or the Caronia Balance
Sheet, (ii)&nbsp;Liabilities incurred in the ordinary course of business since January&nbsp;31,
2005, (iii) Liabilities incurred pursuant to the Caronia Purchase Agreement or
in connection therewith, and (iv)&nbsp;Liabilities which under GAAP are not
required to be reflected or reserved against in the Borrowers&#146; financial
statements (including the notes thereto), but none of which could reasonably be
expected to have, individually or in the aggregate, a Material Adverse Effect.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a6_4TaxReturnsAndPayments_123452"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">6.4</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Tax
Returns and Payments</u></b><b><font style="font-weight:bold;">.</font></b>&#160; Each of the Borrowers has filed all tax
returns required by law to be filed and has paid all taxes, assessments and
other governmental charges of any material nature, either in amount or effect,
levied upon any of its properties, assets, income or franchises, other than
those not yet delinquent or those being contested in accordance with Section&nbsp;7.6
hereof.&#160; The charges, accruals and
reserves on the books of the Borrowers in respect to income taxes for all
respective fiscal periods are adequate in the opinion of the Borrowers, and the
Borrowers know of no unpaid assessment for additional income taxes for any
fiscal period or of any reasonable basis therefor.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a6_5TitleToPropertiesLiens_123456"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">6.5</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Title
to Properties; Liens</u></b><b><font style="font-weight:bold;">.</font></b>&#160; Each of the Borrowers has good and marketable
title to all of its property and assets, in each case including, but not
limited to, the property and assets reflected as being owned by it on the
Balance Sheet and/or the Caronia Balance Sheet except such as have been
disposed of in the ordinary course of business since January&nbsp;31, 2005 and
all such property and assets are free and clear of mortgages, pledges, liens,
charges or other encumbrances except such as are not prohibited by Section&nbsp;8.2
hereof.&#160; Each of the Borrowers enjoys
peaceful and undisturbed possession under the Leases and all other leases under
which it is lessee that are material to the conduct of its business and all of
the Leases and such other leases are valid, subsisting and in full force and
effect in accordance with their terms.&#160;
None of the Leases and such other leases contains any provision
restricting incurrence of Indebtedness by any Borrower or any provision which
has a Material Adverse Effect or in the future could reasonably be expected to
have a Material Adverse Effect.</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-19</font></p>

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<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a6_6Litigation_123510"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">6.6</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Litigation</u></b><b><font style="font-weight:bold;">.</font></b>&#160;
There is no court action, other proceeding or investigation pending or
threatened which questions the validity of this Agreement, the Notes, any of
the other Loan Documents or any action taken or to be taken pursuant thereto
or, except as set forth in <u>Schedule&nbsp;6.6</u> attached hereto which could
reasonably be expected to result, either separately or in the aggregate, in any
materially adverse change in the business, operations, affairs or condition of
the Borrowers, taken as a whole.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a6_7ComplianceWithLawAndOtherInst_123515"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">6.7</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Compliance
with Law and Other Instruments</u></b><b><font style="font-weight:bold;">.</font></b>&#160; None of the Borrowers is in violation of, and
the execution, delivery and performance of this Agreement, the Notes, the Other
Loan Documents and the Caronia Purchase Agreement does not and will not result
in a violation of nor a conflict with or default under, any agreement,
instrument, judgment, decree, order, statute or governmental rule or regulation
applicable to any Borrower or by which any of them is bound, which now or in
the future could reasonably be expected to have a Material Adverse Effect.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a6_8FinancialStatements_123518"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">6.8</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Financial
Statements</u></b><b><font style="font-weight:bold;">.</font></b></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>The
Company has furnished to the Lender financial statements of the Company
including (i)&nbsp;audited consolidated balance sheets, audited consolidated
statements of income, audited consolidated statements of changes in
stockholders&#146; equity and audited consolidated statements of cash flows as at
and for the Fiscal Year ended December&nbsp;31, 2003, (ii)&nbsp;unaudited
interim financial statements for the Fiscal Year ending December&nbsp;31, 2004,
including, without limitation, an unaudited balance sheet of the Company as of December&nbsp;31,
2005, and (iii)&nbsp;unaudited interim financial statements for the period
ending January&nbsp;31, 2005, including, without limitation, an unaudited
consolidated interim balance sheet of the Company as of January&nbsp;31, 2005
(the &#147;Balance Sheet&#148;).&#160; Such financial
statements are complete and correct in all material respects, have been
prepared in accordance with GAAP and fairly present the consolidated financial
condition of the Company as at such dates and the results of operations of the
Company for the period ended on such dates.&#160;
Since the date of such statements, no materially adverse change has
occurred in the business, operations, affairs or condition (financial or
otherwise) of the Original Borrowers, taken as a whole.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">The
Pro Forma Balance Sheet delivered to the Lender sets forth the assets and
liabilities of the Borrowers on a pro forma consolidated and consolidating
basis after taking into account the consummation of the transactions
contemplated in this Agreement, the other Loan Documents and the Transaction
Documents as of the Closing Date.&#160; The
Pro Forma Balance Sheet has been prepared in accordance with GAAP and fairly
presents in all material respects the assets and liabilities of the Borrowers
and their respective Subsidiaries, reflecting the consummation of the
transactions contemplated in this Agreement, the other Loan Documents and the
Transaction Documents and based on the assumptions set forth therein as of the
Closing Date.</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>The
Company has furnished, or caused to be furnished, to the Lender financial
statements of Caronia and MCHC including (i) unaudited balance sheets,
unaudited statements of income, unaudited statements of changes in stockholders&#146;
equity and unaudited statements of cash flows as at and for the Fiscal Years
ended December&nbsp;31, 2003 and 2004, and (ii)&nbsp;unaudited interim
financial statements for the period ending January&nbsp;31, 2005, including,
without limitation, an</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-20</font></p>

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</font></div>

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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">unaudited interim balance
sheet of Caronia and MCHC as of January&nbsp;31, 2005 (the &#147;Caronia Balance
Sheet&#148;).&#160; Such financial statements are
complete and correct in all material respects, have been prepared in accordance
with GAAP and fairly present the financial condition of Caronia and MCHC as at
such dates and the results of operations of Caronia and MCHC for the period
ended on such dates (subject to the effects of certain intercompany expense
allocations and other intercompany transactions).&#160; Since the date of such statements, no
materially adverse change has occurred in the business, operations, affairs or
condition (financial or otherwise) of Caronia and MCHC, taken as a whole.</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a6_9PatentsTrademarksAndCopyright_123548"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">6.9</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Patents,
Trademarks and Copyrights</u></b><b><font style="font-weight:bold;">.</font></b>&#160; <u>Schedule&nbsp;6.9</u> hereto lists, as of
the date of this Agreement, all patents, patent applications, trademark and
service mark registrations and applications therefor and copyright
registrations and applications therefor owned or licensed by any Borrower, and
all license agreements for the same entered into by any Borrower.&#160; Each of the Borrowers possesses and has made
all filings with the United States Patent and Trademark Office and appropriate
state agencies to evidence in such Borrower full and complete title to all the
patents, trademarks, service marks, trade names, copyrights and licenses and
rights in respect of the foregoing which are essential to the conduct of its
business, without any known conflict with the rights of others.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a6_10NoMarginActivity_123554"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">6.10</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>No
Margin Activity</u></b><b><font style="font-weight:bold;">.</font></b>&#160; None of the Borrowers is engaged in the
business of extending or obtaining credit for the purpose of purchasing or
carrying margin stock (within the meaning of Regulation U of the Board of
Governors of the Federal Reserve System, as is now and may from time to time
hereafter be in effect) and no part of the proceeds of any Loan shall be used
to purchase or carry any such margin stock or to extend credit to others for
the purpose of purchasing or carrying any such margin stock or to reduce or
retire any indebtedness incurred for any such purpose.&#160; No part of the proceeds of the Loans
hereunder will be used for any purpose which violates, or which is inconsistent
with, the provisions of Regulations G, T, U or X of the Board of Governors of
the Federal Reserve System.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a6_11Erisa_123558"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">6.11</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>ERISA</u></b><b><font style="font-weight:bold;">.</font></b>&#160;
Each Plan maintained by a Borrower and by each ERISA Affiliate complies
with all material applicable requirements of ERISA and of the Code and with all
material applicable rulings and regulations issued under the provisions of
ERISA and the Code setting forth those requirements.&#160; Neither any Borrower nor any ERISA Affiliate
has engaged in any prohibited transaction (as defined in Section&nbsp;406 of
ERISA or Section&nbsp;4975 of the Code) (i) which has not been corrected within
the correction period applicable to it under Section&nbsp;502(i) of ERISA or Section&nbsp;4963(e)
of the Code or (ii) for which an exemption has not been obtained under Section&nbsp;408
of ERISA or Section&nbsp;4975 of the Code.&#160;
As of the date hereof, neither any Borrower nor any ERISA Affiliate is a
participant in (i) any Multiemployer Plan, (ii) any other Plan which is subject
to Title IV of ERISA, or (iii) any money purchase pension plan.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a6_12AdverseContractsDefaults_123602"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">6.12</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Adverse
Contracts; Defaults</u></b><b><font style="font-weight:bold;">.</font></b>&#160; None of the Borrower is a party to any
agreement or instrument or subject to any charter or other corporate
restriction which could reasonably be expected to have a Material Adverse
Effect.&#160; No Borrower is in default in any
material respect in the performance, observance or fulfillment of any of the
obligations, covenants or conditions contained in any agreement or instrument
to which it is a party which default could reasonably be expected to have a
Material Adverse Effect.</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-21</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

</div>
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<div style="font-family:Times New Roman;">

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a6_13EnvironmentalLaws_123606"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">6.13</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Environmental
Laws</u></b><b><font style="font-weight:bold;">.</font></b>&#160; No release, emission, or discharge into the
environment of hazardous substances, as defined under the Comprehensive
Environmental Response, Compensation and Liability Act, as amended, or
hazardous waste as defined under the Solid Waste Disposal Act, as amended, or
air pollutants as defined under the Clean Air Act, or toxic pollutants as
defined under the Clear Air Act, or the Toxic Substances Control Act, has
occurred or is presently occurring in excess of federally permitted releases or
reportable quantities, or other concentrations, standards or limitations under,
and which would constitute a material violation of, the foregoing laws or under
any other federal, state or local laws or regulations, in connection with any
aspect of the business of the Borrowers.&#160;
No Borrower has any knowledge of any past or existing violations, in any
material respect, by any of them of any environmental laws, ordinances or
regulations issued by any federal, state or local governmental authority.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a6_14Disclosure_123818"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">6.14</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Disclosure</u></b><b><font style="font-weight:bold;">.</font></b>&#160;
None of the information (financial or otherwise) furnished by or on
behalf of the Borrowers to the Lender in connection with the negotiation of
this Agreement contains any untrue statement of a material fact or omits to
state a material fact necessary to make the statements contained herein or
therein not misleading in the light of the circumstances under which such
statements were made.&#160; All financial
projections (if any) delivered to the Lender in connection herewith have been
prepared on the basis of the assumptions stated therein.&#160; Such projections represent the Borrowers&#146;
good faith estimate of the Borrowers&#146; future financial performance and, while
there can be no assurance that the performance set forth in such projections
will approximate actual performance, such projections are believed by the
Borrowers to be fair in light of current business conditions.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a6_15Insurance_123828"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">6.15</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Insurance</u></b><b><font style="font-weight:bold;">.</font></b>&#160;
All of the properties and operations of the Borrowers of a character
usually insured by Persons of established reputation engaged in the same or
similar businesses similarly situated are adequately insured, by financially
sound and reputable insurance companies, against loss or damage of the kinds
and in amounts customarily insured against by such Persons and each of the
Borrowers carries, with such insurers in customary amounts, such other
insurance, including public and product liability, as is usually carried by
Persons of established reputation engaged in the same or similar businesses
similarly situated.&#160; The insurance
required by the provisions of Section&nbsp;7.7 hereof and by the other Loan
Documents is in force and all premiums due and payable in respect thereof have
been paid.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a6_16EventsOfDefault_123831"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">6.16</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Events
of Default</u></b><b><font style="font-weight:bold;">.</font></b>&#160; There does not exist any Event of Default or
Default hereunder.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a6_17SolvencyEtc_123833"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">6.17</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Solvency,
Etc</u></b><b><font style="font-weight:bold;">.</font></b>&#160; Each
of the Borrowers and their respective Subsidiaries is solvent on a going
concern basis as of the date of this Agreement and shall not become insolvent
as a result of the consummation of the transactions contemplated by the Caronia
Purchase Agreement, this Agreement or the other Transaction Documents.&#160; Each of the Borrowers and their respective
Subsidiaries is, and after giving effect to the transactions contemplated by
the Caronia Purchase Agreement, this Agreement and the other Transaction
Documents shall be, able to pay their debts as they become due, and the
property of each Borrower and their respective Subsidiaries now has, and after
giving effect to the transactions contemplated by the Caronia Purchase
Agreement, this Agreement and the other Transaction Documents shall have, a
fair salable value (on a going concern basis) greater than the amounts required
to pay its debts (including a reasonable estimate of the</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-22</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

</div>
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<div style="font-family:Times New Roman;">

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">amount of all contingent
liabilities).&#160; Each of the Borrowers and
their respective Subsidiaries has adequate capital to carry on its business,
and after giving effect to the transactions contemplated by the Caronia
Purchase Agreement, this Agreement and the other Transaction Documents, each of
the Borrowers and their respective Subsidiaries shall have adequate capital to
conduct their business.&#160; No transfer of
property is being made and no obligation is being incurred in connection with
the transactions contemplated by this Agreement with the intent to hinder,
delay or defraud either present or future creditors of the Borrowers or any of
their respective Subsidiaries.</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a6_18ProjectionsAndProFormaFinanc_123934"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">6.18</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Projections
and Pro Forma Financial Statements</u></b><b><font style="font-weight:bold;">.</font></b></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Attached
hereto as <u>Exhibit J</u> are true and complete copies of the latest
projections of the consolidated income and cash flows the Borrowers for the
five (5) Fiscal Years ending through December&nbsp;31, 2009.&#160; Such projections are based on underlying
assumptions of the Borrowers which, to the knowledge of the Borrowers, provide
a reasonable basis for the projections contained therein.&#160; Such projections have been prepared on the
basis of the assumptions set forth therein, which assumptions are, to the
knowledge of the Borrowers, fair and reasonable in light of the historical
financial performance of the Borrowers and of current and reasonably
foreseeable business conditions, as of the date hereof, and reflect the
reasonable estimate of the Borrowers, as of the date hereof, of the results of
operations and other information projected therein.</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>The
pro forma projected consolidated balance sheets of the Borrowers as of January&nbsp;31,
2005, attached hereto as <u>Exhibit I</u>, are complete and correct in all
material respects and present fairly in all material respects the respective
consolidated financial conditions of the Borrowers as of such date as if the
transactions contemplated by the Caronia Purchase Agreement, this Agreement,
the other Loan Documents and the Transaction Documents had occurred immediately
prior to such date, and such balance sheets contain all pro forma adjustments
necessary in order to fairly reflect such assumption.</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a6_19CaroniaPurchaseAgreement_123940"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">6.19</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Caronia
Purchase Agreement</u></b><b><font style="font-weight:bold;">.</font></b></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>The
transactions contemplated by the Caronia Purchase Agreement have been
consummated substantially in accordance with the respective terms and
conditions thereof, except for waivers of conditions consented to by Octagon in
writing (copies of which have heretofore been delivered to the Lender).&#160; The Caronia Purchase Agreement has not been altered
or amended or any condition thereof waived in a manner adverse to any Borrower
without its prior written consent (copies of which have heretofore been
delivered to the Lender).</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>To
the knowledge of the Borrowers, each of the representations and warranties made
by Seller in the Caronia Purchase Agreement on the dates referenced therein is
true and correct in all material respects.</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a6_20CertainAssurances_123943"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">6.20</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Certain
Assurances</u></b><b><font style="font-weight:bold;">.</font></b>&#160; CHSI
is certified by the State of Ohio Bureau of Workers&#146; Compensation (the &#147;OBWC&#148;)
and similar agencies in other states where the Borrowers conduct business, and
such certifications are in full force and effect.&#160; The OBWC Contracts are in full force</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-23</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

</div>
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<div style="font-family:Times New Roman;">

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">and effect and neither
the Company nor any of the other Borrowers have received any indications,
whether written or oral, of alleged breaches of, or OBWC&#146;s intent to terminate,
or not to renew, either such contract.&#160;
CHSI has not been notified that it is &#147;at capacity&#148; under either OBWC
Contract by the OBWC, nor has CHSI received indications that the OBWC is
intending, in any way, to limit, in any material manner, CHSI&#146;s ability to
accept new enrollments under either OBWC Contract.&#160; The Borrowers are not aware of any changes or
potential changes to the system of workers&#146; compensation or unemployment
insurance or the Ohio Health Partnership Plan or the Qualified Health Plan
(each as defined in the HPI Merger Agreement) that would have a Material
Adverse Effect.&#160; The foregoing representations
and warranties under this Section&nbsp;6.21 are given as of the date
hereof.&#160; The consummation of the
transactions contemplated by the HPI Merger Agreement did not constitute a &#147;change
in the MCO organizational structure or business operations&#148;, as set forth in
the OBWC Contracts.</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<h1 style="margin:0in 0in .0001pt;page-break-after:auto;text-align:center;text-transform:uppercase;"><a name="Article7_AffirmativeCovenants_124012"><b><u><font size="2" face="Times New Roman" style="font-size:10.0pt;text-transform:none;">ARTICLE&nbsp;7.&#160;
AFFIRMATIVE COVENANTS</font></u></b></a></h1>

<h1 style="margin:0in 0in .0001pt;page-break-after:auto;text-align:center;text-transform:uppercase;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:normal;text-transform:none;">&nbsp;</font></b></h1>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Until
payment in full of the Notes and performance of all other obligations of the
Borrowers hereunder:</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a7_1BankDeposits_124016"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">7.1</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Bank
Deposits</u></b><b><font style="font-weight:bold;">.</font></b>&#160; Each of the Borrowers covenants that the
Lender shall be the principal bank of account and primary depository for each
of the Borrowers.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a7_2UnauditedFinancialStatementsA_124018"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">7.2</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Unaudited
Financial Statements and Reports of the Company</u></b><b><font style="font-weight:bold;">.</font></b></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Not
later than thirty (30) days following the end of each calendar month after the
date hereof, the Company shall furnish to the Lender the following items in
form and substance satisfactory to the Lender:</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(i)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>An
unaudited consolidated and unaudited consolidating income statement (including
unaudited consolidating income statements for CMI and CHSI) for the month and
Fiscal Year to date and (subject to normal year-end adjustments) copies of the
statements for the same periods of the previous year;</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(ii)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>An
unaudited consolidated and unaudited consolidating balance sheet as of the end
of such month and a copy of such statement as of the end of such month in the
previous year; and</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(iii)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>A certificate from the
chief financial officer or treasurer of the Company (A)&nbsp;stating, on behalf
of the Company, that:&#160; (I) the financial
statements are complete and correct in all material respects and fairly
represent the financial position of the Company as of their respective dates
and the consolidated results of the Company&#146;s operations for the periods then
ended (subject to normal year-end adjustments); (II) each Borrower has complied
with and is then in compliance, in all material respects, with all terms and
covenants of this Agreement (or, if there is any non-compliance, giving the
details thereof); and (III)&nbsp;there exists no Default or Event of Default
(or, if a Default or Event of Default exists, giving the details thereof); and
(B) setting forth in a detailed computation in a form reasonably satisfactory
to the Lender the financial status of the Company (as the end of, or,</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-24</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

</div>
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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt .5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">in the
case of incurrence tests, during such accounting period) in respect of the
restrictions contained in Sections 8.12 through 8.14, inclusive; provided,
however, that the financial covenants set forth in Sections 8.13 and 8.14
hereof only need to be calculated in such certificate quarterly and the
financial covenant in Section&nbsp;8.12 hereof only needs to be calculated in
such certificate annually.</font></p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Each
of the Borrowers shall promptly upon their becoming available, furnish to the
Lender one copy of (i)&nbsp;each financial statement, report, notice or proxy
statement sent by any Borrower to its stockholders (in their capacity as
stockholders) generally, and (ii)&nbsp;each report, each registration statement
and each prospectus and all amendments thereto filed by any Borrower with the
Securities and Exchange Commission and of all press releases and other
statements made available generally by any Borrower to the public concerning
developments that are material.</p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(c)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Not later than one hundred twenty (120) days
following the end of each Fiscal Year of the Company, commencing with the
Fiscal Year ended December&nbsp;31, 2004, the Company shall furnish to the
Lender a detailed schedule, in form and substance satisfactory to the Lender,
calculating the Tax Agreement Payments for such Fiscal Year.&#160; Such schedule&nbsp;shall be prepared by the
Company; provided, however, that upon the Lender&#146;s request from time to time,
the Company, at its sole cost and expense, shall cause the independent
accounting firm auditing the Company&#146;s consolidated financial statements, or
another national accounting firm reasonably acceptable to Lender, to review
such schedule&nbsp;and to determine the final Tax Agreement Payments for each
Fiscal Year.&#160; Upon the Lender&#146;s request
from time to time, the Borrowers shall promptly provide the Lender with such
further information and documents as the Lender shall reasonably request for
purposes of reviewing the schedule(s) prepared by the Company&#146;s accounting firm
and determining the Tax Agreement Payments for any Fiscal Year.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(d)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>In
addition, within thirty (30) days following the end of each calendar month and
forty-five (45) days following the end of each quarter of each Fiscal Year, the
Company shall furnish to the Lender a certificate from the chief financial
officer or treasurer of the Company setting forth, on behalf of the Company, a
detailed computation, in a form satisfactory to the Lender, of the Company&#146;s
EBITA for the previous month or quarter, as applicable.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a7_3AuditedFinancialStatementsOfT_124055"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">7.3</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Audited
Financial Statements of the Company</u></b><b><font style="font-weight:bold;">.</font></b></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Not
later than one hundred twenty (120) days following the end of each Fiscal Year
of the Company, commencing with the Fiscal Year ended December&nbsp;31, 2004,
the Company shall furnish to the Lender, in form and substance satisfactory to
the Lender, complete unaudited consolidating and audited consolidated financial
statements for the Company for such Fiscal Year, accompanied by unaudited
supporting schedules with respect to each of CMI and CHSI, certified, in the
case of the audited consolidated financial statements, by Ernst &amp; Young LLP
or another independent certified public accountant acceptable to the Lender,
accompanied by a certificate from such accountant, stating that in examining
the Company&#146;s books and records for such period, such accountant has obtained
no knowledge of breaches of Sections 8.12, 8.13 or 8.14.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Each
of the financial statements delivered under this Section&nbsp;7.3 shall be
accompanied by a certificate of the chief financial officer or treasurer of the
Company stating, on behalf of the Borrowers, that except as disclosed in the
certificate such officer has no knowledge of</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-25</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

</div>
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<div style="font-family:Times New Roman;">

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">a Default or an Event of
Default hereunder and setting forth in a detailed computation in form
satisfactory to the Lender of (i) the financial status of the Company (at the
end of, or, in the case of incurrence tests, during such accounting period) in
respect of the restrictions contained in Sections 8.12, 8.13 and 8.14 and (ii)
the amount of the mandatory principal prepayment (if any) payable by the
Borrowers under Section&nbsp;3.5(b) hereof with respect to the prior Fiscal
Year of the Company.</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a7_4Inspection_124123"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">7.4</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Inspection</u></b><b><font style="font-weight:bold;">.</font></b>&#160; Upon request of the Lender and upon
reasonable prior notice (provided, however, that no such notice shall be
required if an Event of Default shall have occurred and be continuing), each of
the Borrowers shall make available for inspection by representatives of the
Lender any of its books and records and shall furnish to the Lender information
regarding its business affairs and financial condition within a reasonable time
after receipt of written request therefor.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a7_5Insurance_124128"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">7.5</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Insurance</u></b><b><font style="font-weight:bold;">.</font></b></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Each
of the Borrowers shall insure and maintain hazard and other insurance upon all
of its assets and business properties and liability insurance with responsible
and reputable insurers of such character and in such amounts as are usually
maintained by companies engaged in like business.&#160; All insurance policies shall be written for
the benefit of the Borrowers and the Lender as their interests may appear and
shall contain a provision requiring the insurance company to provide the Lender
not less than thirty (30) days&#146; written notice prior to cancellation of any
such policy.&#160; All insurance policies or
certificates evidencing the same shall be furnished to the Lender.</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Without
limiting the foregoing provisions of this Section&nbsp;7.5, the Borrowers shall
maintain the following insurance coverages:</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt 1.0in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(i)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>the
Borrowers shall maintain all risk property insurance against direct physical
loss or damage on an all risks basis, including windstorm and hurricane and
comprehensive boiler and machinery coverage, subject to a maximum deductible of
$50,000.&#160; The property shall be insured
for the full replacement cost and such policy shall contain an agreed amount
endorsement waiving any coinsurance penalty;</p>

<p style="margin:0in 0in .0001pt 1.0in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt 1.0in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(ii)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>at
all times on and after the date hereof, as an extension of the coverage
required under Section&nbsp;8.7(b)(i), the Borrowers shall maintain business
interruption insurance with a minimum period of indemnity of six (6) months,
subject to a maximum five-day waiting period or $50,000 deductible and shall
contain an agreed amount endorsement waiving any coinsurance penalty;</p>

<p style="margin:0in 0in .0001pt 1.0in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt 1.0in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(iii)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>the Borrowers shall
maintain commercial general liability insurance written on an occurrence basis
with a limit of not less than $1,000,000 for each occurrence and $3,000,000 in
the aggregate.&#160; Such coverage shall
include, but not be limited to, premises/operations, blanket contractual
liability, independent contracts, broad form products and completed operations,
personal injury, fire, legal liability and employee benefits liability;</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-26</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

</div>
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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt 1.0in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(iv)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>the
Borrowers shall maintain errors and omissions insurance with a limit of not
less than $5,000,000 in the aggregate;</p>

<p style="margin:0in 0in .0001pt 1.0in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt 1.0in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(v)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>the
Borrowers shall maintain workers&#146; compensation insurance in accordance with
statutory provisions covering accidental injury, illness or death of an
employee of any Borrower while at work or in the scope of his or her employment
with the Borrowers and employer&#146;s liability insurance in an amount not less
than $500,000; and</p>

<p style="margin:0in 0in .0001pt 1.0in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt 1.0in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(vi)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>the
Borrowers shall maintain automobile liability insurance covering owned,
non-owned, leased, hired or borrowed vehicles against bodily injury or property
damage.&#160; Such coverage shall have a limit
of not less than $1,000,000.</p>

<p style="margin:0in 0in .0001pt 1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a7_6PaymentOfTaxesAndClaims_124151"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">7.6</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Payment
of Taxes and Claims</u></b><b><font style="font-weight:bold;">.</font></b>&#160; Each of the Borrowers shall pay all taxes,
assessments and other governmental charges imposed upon its properties or
assets or in respect of its franchises, business, income or profits before any
penalty or interest accrues thereon, and all claims (including, without
limitation, claims for labor, services, materials and supplies) for sums which
have become due and payable and which by law have or might become a lien or
charge upon any of its properties or assets, provided that (unless any material
item of property would be lost, forfeited or materially damaged as a result
thereof) no such charge or claim need be paid if the amount, applicability or
validity thereof is currently being contested in good faith and if such reserve
or other appropriate provision, if any, as shall be required by GAAP shall have
been made therefor.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a7_7ComplianceWithLaws_124155"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">7.7</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Compliance
with Laws</u></b><b><font style="font-weight:bold;">.</font></b>&#160; Each of the Borrowers shall comply in all
substantial respects with all applicable statutes, laws, ordinances and
governmental rules, regulations and orders (including, without limitation,
those promulgated by or relating to the OBWC system or the workers&#146;
compensation system in other states in which any Borrower does business) to
which it is subject or which are applicable to its business, properties and
assets if noncompliance therewith would materially adversely affect such
business, including, but not limited to, all applicable federal, state,
regional, county or local laws, statutes, rules, regulations or ordinances
concerning public health, safety or the environment; provided that (unless such
contest or noncompliance would materially adversely affect such business) such
Borrower need not so comply if any such statute, law, ordinance, or
governmental rule, regulation or order is currently being contested in good
faith.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a7_8Erisa_124158"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">7.8</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>ERISA</u></b><b><font style="font-weight:bold;">.</font></b>&#160;
Each of the Borrowers shall furnish to Lender:&#160; (a)&nbsp;promptly and in any event within
thirty (30) days after such Borrower knows or has reason to know of the
occurrence of a Reportable Event with respect to a Plan with regard to which
notice must be provided to the PBGC, a copy of such materials required to be
filed with the PBGC with respect to such Reportable Event and in each such case
a statement of the chief financial officer of such Borrower, setting forth
details as to such Reportable Event and the action which such Borrower proposes
to take with respect thereto; (b)&nbsp;promptly and in any event within thirty
(30) days after such Borrower knows or has reason to know of any condition
existing with respect to a Plan which presents a material risk of termination
of the Plan, imposition of an excise tax, requirement to provide security to
the Plan or incurrence of other liability by such Borrower or any ERISA
Affiliate a statement of the chief</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-27</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

</div>
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<div style="font-family:Times New Roman;">

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">financial officer of such
Borrower or such ERISA Affiliate describing such condition; (c)&nbsp;at least
thirty (30) days prior to the filing by any plan administrator of a Plan of a
notice of intent to terminate such Plan, a copy of such notice;
(d)&nbsp;promptly and in no event more than 10 days after the filing thereof
with the Secretary of the Treasury, a copy of any application by such Borrower or
an ERISA Affiliate for a waiver of the minimum funding standard under section&nbsp;412
of the Code; (e)&nbsp;upon request, and in no event more than thirty (30) days
after the request therefore, copies of each annual report which is filed on
Form 5500 together with certified financial statements for the Plan (if any) as
of the end of such year and actuarial statements on Schedule&nbsp;B to such
form 5500; (f)&nbsp;promptly and in any event within thirty (30) days after it
knows or has reason to know of any event or condition which might reasonably be
expected to constitute grounds under section&nbsp;4042 of ERISA for the
termination of, or the appointment of a trustee to administer, any Plan, a
statement of the chief financial officer of such Borrower describing such event
or condition; (g)&nbsp;promptly and in no event more than thirty (30) days
after receipt thereof by such Borrower or any ERISA Affiliate, a copy of each
notice received by such Borrower or an ERISA Affiliate concerning the
imposition of any withdrawal liability under section&nbsp;4202 of ERISA; and
(h)&nbsp;promptly after receipt thereof a copy of any notice such Borrower or
any ERISA Affiliate may receive from the PBGC or the Internal Revenue Service
with respect to any Plan or Multiemployer Plan; provided, however, that this subsection&nbsp;(h)
shall not apply to notices of general application promulgated by the PBGC or
the Internal Revenue Service.</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a7_9PreservationOfCorporateExiste_124221"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">7.9</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Preservation
of Corporate Existence</u></b><b><font style="font-weight:bold;">.</font></b>&#160; Each of the Borrowers shall preserve and
maintain and cause each of its subsidiaries to preserve and maintain its
corporate existence (except pursuant to a merger permitted by Section&nbsp;8.4
below), rights, franchises and privileges in the jurisdiction of its
incorporation or in any other jurisdiction it shall select, and qualify and
remain qualified as a foreign corporation in each jurisdiction in which such
qualification is necessary in view of its business and operations or the
ownership of its properties.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a7_10MaintenanceOfTangibleAssets_124224"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">7.10</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Maintenance
of Tangible Assets</u></b><b><font style="font-weight:bold;">.</font></b>&#160; Each of the Borrowers shall maintain its
tangible assets in good condition and repair and shall not permit any action or
omission which might materially impair the value thereof, normal wear and tear
excepted.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a7_11NoticesOfCertainEvents_124228"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">7.11</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Notices
of Certain Events</u></b><b><font style="font-weight:bold;">.</font></b>&#160; Each of the Borrowers shall promptly after it
becomes aware thereof give notice to the Lender of:</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Any
Default or Event of Default;</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Any
default or event of default under any contractual obligation of such Borrower
that would have a Material Adverse Effect; and</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(c)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Any
materially adverse change in the business, operations, affairs or condition
(financial or otherwise) of such Borrower.</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Each notice pursuant to
this Section&nbsp;7.11 shall be accompanied by a statement of the chief
executive officer or chief financial officer of the respective Borrower setting
forth details of the occurrence referred to therein and stating what action the
respective Borrower proposes to take with respect thereto.</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-28</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

</div>
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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a7_12RecordsAndBooksOfAccount_124239"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">7.12</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Records
and Books of Account</u></b><b><font style="font-weight:bold;">.</font></b>&#160; Each of the Borrowers shall keep adequate
records and books of account in which complete entries will be made in
accordance with GAAP, reflecting all financial transactions required by GAAP to
be so reflected.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a7_13PerformanceOfContracts_124242"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">7.13</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Performance
of Contracts</u></b><b><font style="font-weight:bold;">.</font></b>&#160; Each of the Borrowers shall perform and comply,
in all material respects, with, in accordance with their terms, all provisions
of each and every contract, agreement or instrument now or hereafter binding
upon it, except to the extent that it shall contest the provisions thereof in
good faith and by proper proceedings or the failure to perform could not
reasonably be expected to have a Material Adverse Effect.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a7_14NoticeOfMaterialLitigation_124255"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">7.14</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Notice
of Material Litigation</u></b><b><font style="font-weight:bold;">.</font></b>&#160; Each of the Borrowers shall promptly notify
the Lender in writing of any litigation, arbitration proceeding or
administrative investigation, inquiry or other proceeding to which it may
hereafter become a party which could reasonably be expected to have a Material
Adverse Effect and which may involve any risk of any judgment or liability not
fully covered by insurance or which may otherwise result in any materially
adverse change in the business, operations, affairs or condition (financial or
otherwise) of such Borrower or which may impair, in any material respect, the
ability of such Borrower to perform its obligations under this Agreement, the
Notes or the other Loan Documents.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a7_15UseOfProceeds_124300"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">7.15</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Use of
Proceeds</u></b><b><font style="font-weight:bold;">.</font></b>&#160; The Borrowers shall use the proceeds of the
Revolving Credit Loans as provided in Section&nbsp;2.5 hereof, and the Company
shall use the proceeds of the Term Loan solely for purposes of repaying
Revolving Credit Loans and/or the Prior Term Loan and/or paying the Caronia
Purchase Price in accordance with the terms of the Caronia Purchase
Agreement.&#160; Such uses shall be consistent
with all applicable laws.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a7_16OwnershipAndControlOfBorrowe_124303"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">7.16</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Ownership
and Control of Borrowers</u></b><b><font style="font-weight:bold;">.</font></b></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>The
Company shall, at all times after the date hereof, have, direct or indirect,
beneficial and legal ownership of, and the right and power to control the
voting and transfer of, and the exercise of all other rights attributable to,
all of the voting equity securities (and securities convertible into, or
granting rights to acquire, voting equity securities) of each of the other
Borrowers.</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Without
the prior written consent of the Lender, no Borrower shall cause or permit any
shares of capital stock of the Company to be transferred, sold or assigned to
any Person other than the Lender; provided, however, that any member of the
senior management or key employee of the Company that is an existing
stockholder of the Company may transfer, without the Lender&#146;s consent, his or
her shares of the Company&#146;s stock to members of his or her immediate family or
to trusts for their benefit or by will or operation of law and the Lender shall
not unreasonably withhold its consent to any other transfer of such shares by
any such senior management or other key employee.</p>

<p style="margin:0in 0in .0001pt .5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a7_17ComplianceWithTheCaroniaPurc_124314"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">7.17</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Compliance
with the Caronia Purchase Agreement</u></b><b><font style="font-weight:bold;">.</font></b>&#160; The Company shall
enforce its material rights and remedies as set forth in the Caronia Purchase
Agreement, the agreements contemplated thereby and the other Transaction
Documents.&#160; If requested by the Lender,
each of the</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-29</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

</div>
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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Borrowers and their
respective Subsidiaries shall obtain and promptly furnish to the Lender
evidence of all governmental approvals as may be required to enable the Company
and its Subsidiaries to comply with the Company&#146;s obligations under the Caronia
Purchase Agreement and the agreements, documents and instruments related
thereto and to continue in business as conducted on the date hereof without
materials interruption or interference.</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a7_18ComplianceWithTheObwc_124333"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">7.18</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Compliance
with the OBWC</u></b><b><font style="font-weight:bold;">.</font></b>&#160; Each of the Borrowers shall comply with all
material obligations, standards and requirements of all contracts with the OBWC
or any applicable governmental agency performing a similar function in any
other jurisdiction in which any Borrower operates.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a7_19SellerInformation_124336"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">7.19</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Seller
Information</u></b><b><font style="font-weight:bold;">.</font></b>&#160; At the request of the Lender, the Borrowers
shall promptly deliver to the Lender copies of any statements, reports, certificates
and any other information delivered by any Borrower or their respective
Affiliates to Seller or the equityholders of any Borrower.&#160; In addition, the Borrowers shall keep the
Lender informed on a timely basis as to all developments and communications
with Seller regarding the determination of the adjustments to the Caronia
Purchase Price in accordance with Section&nbsp;2.4 of the Caronia Purchase
Agreement.&#160; The Borrowers shall promptly
provide the Lender with copies of all written correspondence between Seller and
any Borrower or Affiliate thereof relating to the same, together with copies of
the Preliminary Financial Statements, Final Pro Forma Balance Sheet, Final
Income Statement and Accounting Firm&#146;s Dispute Working Papers (if any) (as such
terms are defined in the Caronia Purchase Agreement).</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a7_20GovernmentRegulation_124341"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">7.20</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Government
Regulation</u></b><b><font style="font-weight:bold;">.</font></b>&#160; No Borrower shall (a)&nbsp;be or become
subject at any time to any law, regulation or list of any government agency
(including, without limitation, the U.S. Office of Foreign Asset Control list)
that prohibits or limits the Lender from making any advance or extension of
credit to any Borrower or from otherwise conducting business with any Borrower,
or (b)&nbsp;fail to provide documentary and other evidence of such Borrower&#146;s
identity as may be requested by the Lender at any time to enable the Lender to
verify such Borrower&#146;s identity or to comply with any applicable law or
regulation, including, without limitation, Section&nbsp;326 of the USA Patriot
Act of 2001, 31 U.S.C. Section&nbsp;5318.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<h1 style="margin:0in 0in .0001pt;page-break-after:auto;text-align:center;text-transform:uppercase;"><a name="Article8_NegativeCovenants_124343"><b><u><font size="2" face="Times New Roman" style="font-size:10.0pt;text-transform:none;">ARTICLE&nbsp;8.&#160; NEGATIVE COVENANTS</font></u></b></a></h1>

<h1 style="margin:0in 0in .0001pt;page-break-after:auto;text-align:center;text-transform:uppercase;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:normal;text-transform:none;">&nbsp;</font></b></h1>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Until
payment in full of the Notes and the performance of all other obligations of
the Borrowers hereunder, without the prior written consent of the Lender:</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a8_1Indebtedness_124348"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">8.1</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Indebtedness</u></b><b><font style="font-weight:bold;">.</font></b>&#160;
Each of the Borrowers shall not, nor shall any of them permit any of
their respective Subsidiaries to, create, incur, assume or suffer to exist any
Indebtedness, except for:&#160;
(i)&nbsp;Indebtedness to the Lender; (ii)&nbsp;the Indebtedness incurred
and owed under that certain Asset Purchase Agreement dated May&nbsp;12, 1999
between CHSI and Community Health Insurance Company (the &#147;Anthem Indebtedness&#148;);
(iii) Capitalized Lease Obligations and purchase money Indebtedness reflected
on the Balance Sheet and/or the Caronia Balance Sheet or in historical
financial statements heretofore provided to the Lender; (iv) other Capitalized
Lease Obligations and purchase money Indebtedness incurred in any Fiscal Year
commencing after the date hereof up to an aggregate amount of $350,000 per
Fiscal Year; (v)&nbsp;inter-company Indebtedness between or</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-30</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">among one or more of the
Borrowers; (vi)&nbsp;Indebtedness under the Tax Allocation Agreement;
(vii)&nbsp;Indebtedness under the Deferred Compensation Plan and accrued
incentive compensation expenses; and (viii)&nbsp;trade liabilities and accrued
expenses incurred in the ordinary course of business.&#160; Except as otherwise provided, all
Indebtedness permitted to be created, incurred, assumed or suffered by the
Borrowers pursuant to this Section&nbsp;shall be considered (but without
duplication) Indebtedness of the Borrowers.</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a8_2LiensAndOtherEncumbrances_124503"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">8.2</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Liens
and Other Encumbrances</u></b><b><font style="font-weight:bold;">.</font></b>&#160; No Borrower shall create, incur, assume or
suffer to exist any security interest, mortgage, pledge, lien or other
encumbrance of any nature whatsoever on any of its property or assets whether
now owned or hereafter acquired, except: (i)&nbsp;liens securing the payment of
taxes and other governmental charges, either not yet due or the validity of
which is being contested in good faith by appropriate proceedings (so long as
no material item of property would be lost, forfeited or materially damaged as
a result thereof), and as to which it shall, as appropriate under GAAP, have
set aside on its books and records adequate reserves; (ii)&nbsp;deposits under
workers&#146; compensation, unemployment insurance, social security and other
similar laws or to secure the performance of bonds, tenders or contracts (other
than for the repayment of purchase price indebtedness or borrowed money) or to
secure statutory obligations or surety or appeal bonds, or to secure indemnity,
performance or other similar bonds, all in the ordinary course of business;
(iii)&nbsp;liens and security interests in favor of the Lender;
(iv)&nbsp;zoning restrictions, easements, licenses, covenants and other
restrictions affecting the use of real property, so long as its use of, or the
value of, its property subject thereto is not impaired, in any material
respect, thereby; and (v)&nbsp;liens securing purchase money Indebtedness and Capitalized
Leases referred to in clauses (iii) or (iv) under Section&nbsp;8.1, above
provided that such liens are limited to the specific property purchased or
leased and the proceeds thereof.&#160; All of
the foregoing liens are hereinafter referred to as &#147;Permitted Liens.&#148;</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a8_3GuarantiesAndOtherContingentL_124515"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">8.3</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Guaranties
and Other Contingent Liabilities</u></b><b><font style="font-weight:bold;">.</font></b>&#160; No Borrower shall
become an indemnitor, guarantor or surety or otherwise become liable for any of
the obligations or liabilities of any Person, other than the guaranty by a
Borrower of the liabilities and obligations of other Borrowers.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a8_4FundamentalChanges_124522"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">8.4</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Fundamental
Changes</u></b><b><font style="font-weight:bold;">.</font></b>&#160; No Borrower shall (i)&nbsp;enter into any
transaction of merger or consolidation or amalgamation, (ii)&nbsp;liquidate,
wind-up or dissolve itself (or suffer any liquidation or dissolution),
(iii)&nbsp;convey, sell, lease, transfer or otherwise dispose of, in one
transaction or a series of transactions, all or any substantial part of its
business or assets, whether now owned or hereafter acquired, (iv)&nbsp;acquire
by purchase or otherwise all or substantially all of the business or assets of,
or stock or other evidence of beneficial ownership of, any Person (other than
as part of the Caronia Acquisition), or (v)&nbsp;make any material change in
the nature of its business or in the methods by which it conducts business;
provided, however, that any Borrower may, without the consent of the Lender,
enter into solely with one or more other Borrowers any transaction of the types
described in clauses (i), (iii) or (iv), above, provided that all of the
Borrowers that are a party to any such transaction have a positive net worth as
determined in accordance with GAAP.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a8_5CreationOfSubsidiaries_124529"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">8.5</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Creation
of Subsidiaries</u></b><b><font style="font-weight:bold;">.</font></b>&#160; No Borrower shall create or acquire any
Subsidiaries without the prior written consent of the Lender, which consent
shall not be unreasonably withheld, delayed or conditioned, provided that any
such Subsidiaries become co-borrowers under the Loan</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-31</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

</div>
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<br clear="all" style="page-break-before:always;">


<div style="font-family:Times New Roman;">

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Documents
and the Lender is granted first priority, perfected security interests in all
of the ownership interests in, and assets of, such Subsidiaries.</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a8_6LoansOrAdvances_124543"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">8.6</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Loans
or Advances</u></b><b><font style="font-weight:bold;">.</font></b>&#160; No Borrower shall make loans or advances to
any Person (including any Subsidiary of a Borrower) other than another
Borrower, except in the ordinary course of their respective businesses.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a8_7Investments_124547"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">8.7</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Investments</u></b><b><font style="font-weight:bold;">.</font></b>&#160; No
Borrower shall acquire or purchase the securities of any Person other than
another Borrower; provided, however, that the Borrowers may purchase:&#160; (i)&nbsp;U.S. government securities directly
or pursuant to repurchase agreements with (A)&nbsp;Affiliates of the Lender or
(B)&nbsp;other domestic banks having capital and surplus of at least
$100,000,000; (ii)&nbsp;certificates of deposit of (A)&nbsp;Affiliates of the
Lender or (B)&nbsp;other domestic banks having a capital and surplus of at
least $100,000,000; and (iii)&nbsp;commercial paper rated A-1 or P-1 or an
equivalent by Moody&#146;s Investors Services, Inc. or Standard &amp; Poor&#146;s
Corporation, both of New York, New York, or their successors if all of such
investments have a maturity of one year or less.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a8_8SaleAndLeaseback_124551"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">8.8</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Sale
and Leaseback</u></b><b><font style="font-weight:bold;">.</font></b>&#160; No Borrower shall enter into any agreement
with any lender or investor providing for the leasing of (i)&nbsp;real or
personal property which has been or is to be sold or transferred by any
Borrower to such lender or investor or (ii)&nbsp;other real or personal
property intended to be used for substantially the same purpose as the property
sold or transferred by any Borrower.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a8_9DispositionOfAssets_124615"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">8.9</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Disposition
of Assets</u></b><b><font style="font-weight:bold;">.</font></b>&#160; No Borrower shall dispose of any of its
assets in any transaction or series or transactions other than those disposed
of in the ordinary course of business and except in connection with the
replacement of assets sold by like assets.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a8_10TransactionsWithAffiliates_124618"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">8.10</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Transactions
with Affiliates</u></b><b><font style="font-weight:bold;">.</font></b> &#160;Except for the execution, delivery and
performance by the applicable parties of the Tax Allocation Agreement and each
of the agreements listed on <u>Schedule&nbsp;8.10</u> attached hereto, no
Borrower shall:&#160; (i)&nbsp;enter into any
transaction, including without limitation, the purchase, sale or exchange of
property or the rendering of any services, with any Affiliate or any officer or
director thereof, enter into, assume or suffer to exist any employment or
consulting contract with any such Affiliate, except any transaction or contract
which is in the ordinary course of its business and which is upon fair and
reasonable terms no less favorable to it than it would obtain in a comparable
arms-length transaction; (ii)&nbsp;make any advance or loan to any Affiliate or
any director or officer thereof or to any trust of which any of the foregoing
is a beneficiary, or to any Person on the guaranty of any of the foregoing; or
(iii)&nbsp;pay any fees or expenses to, or reimburse or assume any obligation
for the reimbursement of any expenses incurred by, any Affiliate or any officer
or director thereof except as may be permitted in accordance with the preceding
clauses of this Section&nbsp;or the other Sections of this Agreement and except
for the reimbursement of reasonable expenses incurred in connection with the
provision of services by an officer, director or employee of any Borrower to
such entity, including expenses for travel, entertainment and similar items, in
accordance with the reimbursement policies of such Borrower.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a8_11SaleOfAccounts_124626"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">8.11</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Sale of
Accounts</u></b><b><font style="font-weight:bold;">.</font></b>&#160; No Borrower shall sell, assign or exchange
any of its Accounts or notes receivable with or without recourse.</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-32</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

</div>
<!-- SEQ.=1,FOLIO='K-32',FILE='C:\JMS\tvenkatesh\05-6103-1\task382166\6103-1-mo-03.htm',USER='sruthirapathi',CD='Apr  1 16:27 2005' -->


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<div style="font-family:Times New Roman;">

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a8_12CapitalExpenditures_124630"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">8.12</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Capital
Expenditures</u></b><b><font style="font-weight:bold;">.</font></b>&#160; The
Company shall not make Capital Expenditures, on a consolidated basis, in an
amount in excess of the amount listed in column (b) of this Section&nbsp;during
the period listed opposite such amount in column (a) of this Section:</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt 1.0in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<table border="0" cellspacing="0" cellpadding="0" width="80%" style="border-collapse:collapse;margin-left:.5in;width:80.0%;">
 <tr>
  <td width="80%" valign="bottom" style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 0in 0in 0in;width:80.72%;">
  <p style="margin:0in 0in .0001pt;"><b><font size="1" face="Times New Roman" style="font-size:8.0pt;font-weight:bold;">(a)<br>
  Period</font></b></p>
  </td>
  <td width="2%" valign="bottom" style="padding:0in 0in 0in 0in;width:2.14%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="1" face="Times New Roman" style="font-size:1.0pt;font-weight:bold;">&nbsp;</font></b></p>
  </td>
  <td width="16%" colspan="2" valign="bottom" style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 0in .7pt 0in;width:16.08%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="1" face="Times New Roman" style="font-size:8.0pt;font-weight:bold;">(b)<br>
  Amount</font></b></p>
  </td>
  <td width="1%" valign="bottom" style="padding:0in 0in 0in 0in;width:1.06%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="1" face="Times New Roman" style="font-size:1.0pt;font-weight:bold;">&nbsp;</font></b></p>
  </td>
 </tr>
 <tr>
  <td width="80%" valign="bottom" style="padding:0in 0in 0in 0in;width:80.72%;">
  <p style="margin:0in 0in .0001pt;"><b><font size="1" face="Times New Roman" style="font-size:8.0pt;font-weight:bold;">&nbsp;</font></b></p>
  </td>
  <td width="2%" valign="bottom" style="padding:0in 0in 0in 0in;width:2.14%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="1" face="Times New Roman" style="font-size:8.0pt;font-weight:bold;">&nbsp;</font></b></p>
  </td>
  <td width="16%" colspan="2" valign="bottom" style="padding:0in 0in .7pt 0in;width:16.08%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="1" face="Times New Roman" style="font-size:8.0pt;font-weight:bold;">&nbsp;</font></b></p>
  </td>
  <td width="1%" valign="bottom" style="padding:0in 0in 0in 0in;width:1.06%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="1" face="Times New Roman" style="font-size:8.0pt;font-weight:bold;">&nbsp;</font></b></p>
  </td>
 </tr>
 <tr>
  <td width="80%" valign="top" bgcolor="#CCEEFF" style="background:#CCEEFF;padding:0in 0in 0in 0in;width:80.72%;">
  <p style="margin:0in 0in .0001pt 10.0pt;text-indent:-10.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">From January&nbsp;1, 2004 through December&nbsp;31,
  2004</font></p>
  </td>
  <td width="2%" valign="bottom" bgcolor="#CCEEFF" style="background:#CCEEFF;padding:0in 0in 0in 0in;width:2.14%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="1%" valign="bottom" bgcolor="#CCEEFF" style="background:#CCEEFF;padding:0in 0in 0in 0in;width:1.62%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">$</font></p>
  </td>
  <td width="14%" valign="bottom" bgcolor="#CCEEFF" style="background:#CCEEFF;padding:0in 0in 0in 0in;width:14.46%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">3,500,000</font></p>
  </td>
  <td width="1%" valign="bottom" bgcolor="#CCEEFF" style="background:#CCEEFF;padding:0in 0in 0in 0in;width:1.06%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="80%" valign="top" style="padding:0in 0in 0in 0in;width:80.72%;">
  <p style="margin:0in 0in .0001pt 10.0pt;text-indent:-10.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">From January&nbsp;1, 2005 through December&nbsp;31,
  2005</font></p>
  </td>
  <td width="2%" valign="bottom" style="padding:0in 0in 0in 0in;width:2.14%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="1%" valign="bottom" style="padding:0in 0in 0in 0in;width:1.62%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">$</font></p>
  </td>
  <td width="14%" valign="bottom" style="padding:0in 0in 0in 0in;width:14.46%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">4,500,000</font></p>
  </td>
  <td width="1%" valign="bottom" style="padding:0in 0in 0in 0in;width:1.06%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="80%" valign="top" bgcolor="#CCEEFF" style="background:#CCEEFF;padding:0in 0in 0in 0in;width:80.72%;">
  <p style="margin:0in 0in .0001pt 10.0pt;text-indent:-10.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">In Each Fiscal Year Thereafter</font></p>
  </td>
  <td width="2%" valign="bottom" bgcolor="#CCEEFF" style="background:#CCEEFF;padding:0in 0in 0in 0in;width:2.14%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="1%" valign="bottom" bgcolor="#CCEEFF" style="background:#CCEEFF;padding:0in 0in 0in 0in;width:1.62%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">$</font></p>
  </td>
  <td width="14%" valign="bottom" bgcolor="#CCEEFF" style="background:#CCEEFF;padding:0in 0in 0in 0in;width:14.46%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">2,500,000</font></p>
  </td>
  <td width="1%" valign="bottom" bgcolor="#CCEEFF" style="background:#CCEEFF;padding:0in 0in 0in 0in;width:1.06%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
</table>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a8_13MinimumFixedChargeCoverageRa_124757"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">8.13</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Minimum
Fixed Charge Coverage Ratio</u></b><b><font style="font-weight:bold;">.</font></b>&#160; The
Company shall not permit its Fixed Charge Coverage Ratio based upon the most
recent four fiscal quarters on a rolling basis to be less than 1.20 to 1.00 at December&nbsp;31,
2004 or at the end of any fiscal quarter ending thereafter; provided, however,
that for purposes of calculating the Company&#146;s Fixed Charge Coverage Ratio,
Capital Expenditures shall be limited to $2,500,000 during any four fiscal quarter
period.&#160; In addition, the Company shall
not permit its Fixed Charge Coverage Ratio based on the quarter ending March&nbsp;31,
2005, the two quarters ending June&nbsp;30, 2005 and the three quarters ending September&nbsp;30,
2005 to be less than 1.20 to 1.00 at March&nbsp;31, 2005, June&nbsp;30, 2005
and September&nbsp;30, 2005, respectively; provided, however, that for purposes
of calculating the Company&#146;s Fixed Charge Coverage Ratio, Capital Expenditures
shall be fixed at $625,000 per quarter for each of the four fiscal quarters
ending in calendar year 2005.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a8_14RatioOfFundedIndebtednessToE_124804"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">8.14</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Ratio
of Funded Indebtedness to EBITDA</u></b><b><font style="font-weight:bold;">.</font></b> &#160;The
Company shall not permit the ratio of its Funded Indebtedness (including,
without limitation, borrowings pursuant to this Agreement) to EBITDA based upon
the most recent four fiscal quarters on a rolling basis to be greater than 2.00
to 1.00 at December&nbsp;31, 2005 or at the end of any subsequent fiscal
quarter thereafter.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a8_15ManagementFees_124808"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">8.15</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Management
Fees</u></b><b><font style="font-weight:bold;">.</font></b>&#160; Except
as otherwise permitted in this Section&nbsp;8.15, no Borrower shall pay any
management fees to SCC or their respective Affiliates (other than another
Borrower); provided, however, that so long as no Event of Default has occurred
and is continuing (or would occur as a result of such payment), the Borrowers
may pay management fees to SCC or their respective Affiliates, solely and
strictly in accordance with the provisions of the Management Advisory Services
Agreement, in an aggregate amount not to exceed with respect to any Fiscal Year
five percent (5.0%) of the Company&#146;s total consolidated EBITA for such Fiscal
Year.&#160; The Borrowers may accrue (but
shall not be permitted to pay, until all Indebtedness hereunder is paid in full
and any commitment to lend or issue letters of credit hereunder is terminated)
the Deferred Compensation Payments.&#160; The
Borrowers may make the Tax Agreement Payments at the times provided for in the
Tax Allocation Agreement; provided, however, that no Tax Agreement Payments
shall be made after the occurrence and during the continuance of an Event of
Default, except for Tax Agreement Payments representing income taxes which SCC
is actually required to pay and which are directly attributable solely to the
consolidated operations of the Company.</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-33</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

</div>
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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a8_16DividendsAndPayments_124822"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">8.16</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Dividends
and Payments</u></b><b><font style="font-weight:bold;">.</font></b>&#160; Neither the Company nor CMI shall declare or
pay on, or make any distribution to the holders of any shares of capital stock
of the Company or CMI of any class, or purchase, redeem or otherwise acquire
for consideration any shares of capital stock of the Company or CMI of any
class; provided, however, that nothing contained in this Section&nbsp;8.18
shall be construed to prevent any payments expressly permitted under Section&nbsp;8.17
hereof.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a8_17IssuanceOfCapitalStock_124832"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">8.17</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Issuance
of Capital Stock</u></b><b><font style="font-weight:bold;">.&#160; </font></b>None of the Borrowers shall issue
any additional shares of capital stock of any class (or any options, warrants,
convertible securities or rights with respect thereto) after the date hereof,
except for the issuance of shares of capital stock or other securities of the
Company pursuant to the Option Plan (as identified on <u>Schedule&nbsp;8.10</u>
and related agreements entered into in accordance therewith).</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a8_18ProhibitionOfChangeInFiscalY_124837"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">8.18</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Prohibition
of Change in Fiscal Year</u></b><b><font style="font-weight:bold;">.</font></b>&#160; Neither any Borrower nor any Subsidiary
thereof shall change its Fiscal Year-end for accounting purposes from December&nbsp;31
of any year.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a8_19AmendmentToOtherDocuments_124840"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">8.19</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Amendment
to Other Documents</u></b><b><font style="font-weight:bold;">.</font></b>&#160; The Borrowers shall not cause or permit,
directly or indirectly, any amendment, waiver, consent or modification of the
Tax Allocation Agreement, Management Advisory Services Agreement, Caronia
Purchase Agreement or any other agreement, document or instrument contemplated
by, or executed in connection with, the Caronia Purchase Agreement
(collectively, the &#147;Transaction Documents&#148;).</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a8_20Management_124847"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">8.20</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Management</u></b><b><font style="font-weight:bold;">.</font></b>&#160;
The Company shall not terminate the employment of Jonathan&nbsp;R.
Wagner, Richard&nbsp;T. Kurth or Stephen Brown, without the prior written
consent of the Lender, such consent not to be unreasonably withheld.&#160; In the event of the termination by the
Company of the employment of any such individuals or their respective
successors, the Company shall retain, within 150 days after such termination,
replacement officers reasonably acceptable to the Lender.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a8_21PledgeRightsNotAchange_124856"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">8.21</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Pledge
Rights Not a &#147;Change&#148;</u></b><b><font style="font-weight:bold;">.</font></b>&#160; None of the Borrowers or shall take or permit
any of their Subsidiaries to take any action, or participate in or consent to
any transaction(s) (i)&nbsp;which would require the advance approval of the
OBWC under the OBWC Contracts, other than actions of CHSI taken, or not taken,
in the ordinary course of performance of the OBWC Contracts which, from time to
time, may require the approval of OBWC, or (ii)&nbsp;which would cause the
Lender&#146;s realization of any of their respected rights under the Stock Pledge
Agreements to constitute a &#147;Change&#148; under the OBWC Contracts (except for any
possible &#147;Change&#148; resulting from the exercise of remedies with respect to the
capital stock of CHSI).</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a8_22GovernmentRegulations_124859"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">8.22</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Government
Regulations</u></b><b><font style="font-weight:bold;">.</font></b>&#160; No Borrower shall (a) be or become subject at
any time to any law, regulation or list of any government agency (including,
without limitation, the U.S. Office of Foreign Asset Control list) that
prohibits or limits the Lender from making any advance or extension of credit
to any Borrower or from otherwise conducting business with any Borrower, or
(b)&nbsp;fail to provide documentary and other evidence of such Borrower&#146;s
identity as may be requested by the Lender at any time to enable the Lender to
verify such Borrower&#146;s identity or to comply with any applicable law or
regulation, including, without limitation, Section&nbsp;326 of the USA Patriot
Act of 2001, 31 U.S.C. Section&nbsp;5318.</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-34</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

</div>
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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<h1 style="margin:0in 0in .0001pt;page-break-after:auto;text-align:center;text-transform:uppercase;"><a name="Article9_EventsOfDefault_124908"><b><u><font size="2" face="Times New Roman" style="font-size:10.0pt;text-transform:none;">ARTICLE&nbsp;9.&#160; EVENTS OF DEFAULT</font></u></b></a></h1>

<h1 style="margin:0in 0in .0001pt;page-break-after:auto;text-align:center;text-transform:uppercase;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:normal;text-transform:none;">&nbsp;</font></b></h1>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a9_1EventOfDefault_124916"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">9.1</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Event
of Default</u></b><b><font style="font-weight:bold;">.</font></b>&#160; &#147;Event of Default&#148; shall mean the occurrence
of one or more of the following described events:</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>The
Borrowers shall default in the payment of any principal of the Notes when the
same shall become due, either by the terms thereof or otherwise as herein
provided;</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>The
Borrowers shall default in payment of the Facility Fee or any Commitment Fee or
any interest on the Notes or of any other payment due the Lender under this
Agreement when the same shall become due, either by the terms thereof or
otherwise as herein provided and such default continues for a period of five
(5) days;</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(c)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Any
Borrower shall default (after the expiration of any applicable grace period) in
the payment of any amount due to Lender pursuant to the terms of any promissory
note or other instrument other than the Notes;</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(d)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Any
Borrower shall default (after the expiration of any applicable grace period) in
the performance or observance of any covenant, condition or agreement contained
in the Borrower Security Agreements, the Intellectual Property Security
Agreements, the Copyright Collateral Agreements, the Stock Pledge Agreements,
the Assignment of Leasehold Interests or any other security agreement entered into
by any Borrower for the benefit of the Lender;</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(e)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Any
Borrower shall default in the payment of any Indebtedness in excess of $250,000
beyond any period of grace provided with respect thereto, or any Borrower shall
default in the performance of any agreement under which such Indebtedness
payment obligation is created if the effect of such default is to cause or
permit the holder or holders of such obligation (or a representative of such
holder or holders) to cause, such payment obligation to become due prior to its
date of maturity;</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(f)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Any
representation or warranty made by any Borrower herein, in any other Loan
Document or in any report, certificate or writing furnished in connection with
or pursuant to this Agreement shall be false or incorrect in any material
respect on the date as of which made;</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(g)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Any
Borrower shall default in the performance or observation of any covenant,
condition or agreement in Sections 7.1, 7.11, 7.14, 7.15 or 7.16 or in Article&nbsp;8
hereof;</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(h)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Any
Borrower shall default in the performance or observation of any covenant,
condition or agreement made or required to be observed or performed by it under
this Agreement (other than those referred to in Sections 9.1(a), 9.1(b) or 9.1(g)
of this Agreement) and such default shall continue without cure for thirty (30)
days after written notice thereof shall have been given to the Borrowers by the
Lender, or, in the case of Sections 7.2 and 7.3, such default shall continue
without cure for ten (10) days (without any required notice thereof);</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(i)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Any
Borrower shall make an assignment for the benefit of creditors;</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-35</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(j)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Any
Borrower shall petition or apply to any tribunal for the appointment of a
trustee or receiver of it, or of any substantial part of its assets, or
commence any proceeding relating to it under any bankruptcy, reorganization,
arrangement, insolvency, readjustment of debt, dissolution or liquidation law
of any jurisdiction whether now or hereafter in effect;</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(k)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Any
bankruptcy, insolvency, receivership or similar petition or application is
filed, or any proceedings are commenced against any Borrower and any Borrower
by any act indicates its approval thereof, consent thereto, or acquiescence
therein, or any order is entered appointing a trustee or receiver, or
adjudicating any Borrower bankrupt or insolvent, or approving the petition in
any such proceedings and such order remains unstayed or undischarged for more
than sixty (60) days; provided, however, that the Lender shall be under no
obligation to make Loans hereunder during the period that such order is
unstayed or undischarged;</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(l)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Any
order is entered in any proceedings against any Borrower decreeing the
dissolution of any Borrower and such order remains unstayed or undischarged for
more than sixty (60) days; provided, however, that the Lender shall be under no
obligation to make Loans hereunder during the period that such order is
unstayed or undischarged;</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(m)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>A
final judgment or judgments for the payment of money in excess of an aggregate
of $250,000 shall be rendered against any Borrower and such judgment or
judgments shall remain undischarged for a period of sixty (60) consecutive days
during which the execution shall not be effectively stayed;</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(n)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>(i)
Any Reportable Event or a Prohibited Transaction shall occur with respect to
any Plan; (ii) a notice of intent to terminate a Plan under section&nbsp;4041
of ERISA shall be filed; (iii) a notice shall be received by the plan
administrator of a Plan that the PBGC has instituted proceedings to terminate a
Plan or appoint a trustee to administer a Plan; (iv) any other event or
condition shall exist which might, in the opinion of the Lender, constitute
grounds under section&nbsp;4042 of ERISA for the termination of, or the
appointment of a trustee to administer, any Plan; or (v) any Borrower or any
ERISA Affiliate shall withdraw from a Multiemployer Plan; provided, however,
that none of the foregoing shall constitute an Event of Default except under
circumstances that the Lender determines could reasonably be expected to have a
Material Adverse Effect;</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(o)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>(i)
CHSI is notified by the OBWC that it is &#147;at capacity,&#148; declared ineligible to
solicit or accept selection by or assignment of an employer by the OBWC, or the
OBWC in any material manner limits the Company&#146;s ability to accept new
enrollments, and any of the same is reasonably likely to result in any Event of
Default under Sections 9.1(a) or (b) or any breach of Sections 8.12, 8.13 or 8.14;
(ii) the State of Ohio announces its intention to dissolve or disband the
state-sponsored system of workers&#146; compensation insurance or the Ohio Health
Partnership Program (and the Lender determines in the exercise of its
commercially reasonable discretion that the same is reasonably likely to impair
the Borrowers&#146; ability to perform their material obligations under this
Agreement, the Notes or the other Loan Documents); (iii) (A) the OBWC
terminates or does not renew the OBWC Contracts, or (B) the OBWC informs CHSI
of its intent to terminate or not renew the OBWC Contracts, except if the
Borrowers provide the Lender written notice that (I)&nbsp;CHSI is actively and
diligently pursuing renewals of the OBWC Contracts, (II) CHSI is reasonably
confident that its efforts will be successful, and (III) such active pursuit of
renewal does</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-36</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

</div>
<!-- SEQ.=1,FOLIO='K-36',FILE='C:\JMS\tvenkatesh\05-6103-1\task382166\6103-1-mo-03.htm',USER='sruthirapathi',CD='Apr  1 16:27 2005' -->


<br clear="all" style="page-break-before:always;">


<div style="font-family:Times New Roman;">

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">not exceed (without
renewal) ninety (90) days time from the date of such written notice to the
Lender; or (iv) the OBWC terminates, does not renew or informs CHSI of its intent
to terminate or not renew CHSI&#146;s OBWC certification as a vendor; or</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(p)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>The
occurrence or existence of any default, event of default or other similar
condition or event (however described) with respect to any Rate Management
Transaction.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a9_2ConsequencesOfEventOfDefault_124957"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">9.2</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Consequences
of Event of Default</u></b><b><font style="font-weight:bold;">.</font></b></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>If
any Event of Default specified under Section&nbsp;9.1, other than subsections
(i) through (l) thereof, shall occur and be continuing the Lender shall be
under no further obligation to make Loans hereunder and the Lender may, by
written notice to the Borrowers, declare the unpaid balance of all Commitment
Fees and the principal and interest accrued on the Notes and all other
obligations of the Borrowers hereunder and under the other Loan Documents to be
forthwith due and payable, and the same shall thereupon become immediately due
and payable, without any other or further presentment, demand, protest, notice
of default, notice of intent to accelerate or other notice of any kind, all of
which are hereby expressly waived.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>If
an Event of Default specified under subsections (i) through (l), inclusive, of Section&nbsp;9.1
shall occur, the Lender shall be under no further obligation to make Loans
hereunder and the unpaid balance of all Commitment Fees and the principal and
interest accrued on the Notes and all other obligations of the Borrowers
hereunder shall be immediately due and payable automatically without
presentment, demand, protest, notice of default, notice of intent to
accelerate, notice of acceleration or other notice of any kind, all of which
are hereby expressly waived.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<h1 style="margin:0in 0in .0001pt;page-break-after:auto;text-align:center;text-transform:uppercase;"><a name="Article10_Miscellaneous_125001"><b><u><font size="2" face="Times New Roman" style="font-size:10.0pt;text-transform:none;">ARTICLE&nbsp;10.&#160; MISCELLANEOUS</font></u></b></a></h1>

<h1 style="margin:0in 0in .0001pt;page-break-after:auto;text-align:center;text-transform:uppercase;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:normal;text-transform:none;">&nbsp;</font></b></h1>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a10_1Notices_125003"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">10.1</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Notices</u></b><b><font style="font-weight:bold;">.</font></b>&#160;
All notices, requests and demands to or upon the parties hereto to be
effective shall be in writing or by telecopy or telex and, unless otherwise
expressly provided herein, shall be deemed to have been duly given or made when
delivered by hand, or when sent by certified or registered mail, postage
prepaid, or, in the case of telecopy notice, when received, or in the case of
telegraphic notice, when delivered to the telegraph company, or in the case of
telex notice, when sent, answerback received, addressed as follows in the case
of the Borrowers and the Lender or to such address or other address as may be
hereafter notified by the parties hereto:</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<table border="0" cellspacing="0" cellpadding="0" width="90%" style="border-collapse:collapse;margin-left:.5in;width:90.0%;">
 <tr>
  <td width="46%" valign="top" style="padding:0in 0in 0in 0in;width:46.42%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Any Borrower:</font></p>
  </td>
  <td width="53%" valign="top" style="padding:0in 0in 0in 0in;width:53.58%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">c/o Security
  Capital Corporation<br>
  One Pickwick Plaza<br>
  Suite 310<br>
  Greenwich, Connecticut 06830<br>
  Attention: Brian D. Fitzgerald, Chairman<br>
  Facsimile: (203) 625-0423</font></p>
  </td>
 </tr>
 <tr>
  <td width="46%" valign="top" style="padding:0in 0in 0in 0in;width:46.42%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
  <td width="53%" valign="top" style="padding:0in 0in 0in 0in;width:53.58%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="46%" valign="top" style="padding:0in 0in 0in 0in;width:46.42%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="53%" valign="top" style="padding:0in 0in 0in 0in;width:53.58%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">with copies to:</font></p>
  </td>
 </tr>
 <tr>
  <td width="46%" valign="top" style="padding:0in 0in 0in 0in;width:46.42%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
  <td width="53%" valign="top" style="padding:0in 0in 0in 0in;width:53.58%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="46%" valign="top" style="padding:0in 0in 0in 0in;width:46.42%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="53%" valign="top" style="padding:0in 0in 0in 0in;width:53.58%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">WC Holdings,
  Inc.<br>
  c/o CompManagement, Inc.</font></p>
  </td>
 </tr>
</table>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-37</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

</div>
<!-- SEQ.=1,FOLIO='K-37',FILE='C:\JMS\tvenkatesh\05-6103-1\task382166\6103-1-mo-03.htm',USER='sruthirapathi',CD='Apr  1 16:27 2005' -->


<br clear="all" style="page-break-before:always;">


<div style="font-family:Times New Roman;">

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<table border="0" cellspacing="0" cellpadding="0" width="90%" style="border-collapse:collapse;margin-left:.5in;width:90.0%;">
 <tr>
  <td width="46%" valign="top" style="padding:0in 0in 0in 0in;width:46.42%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="53%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:53.58%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">6377 Emerald
  Parkway<br>
  </font>Dublin, Ohio 43016<br>
  Attention: William R. Schlueter<br>
  Facsimile: (203) 625-0770</p>
  </td>
 </tr>
 <tr>
  <td width="46%" valign="top" style="padding:0in 0in 0in 0in;width:46.42%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
  <td width="53%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:53.58%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="46%" valign="top" style="padding:0in 0in 0in 0in;width:46.42%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="53%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:53.58%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">and </font></p>
  </td>
 </tr>
 <tr>
  <td width="46%" valign="top" style="padding:0in 0in 0in 0in;width:46.42%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
  <td width="53%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:53.58%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="46%" valign="top" style="padding:0in 0in 0in 0in;width:46.42%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="53%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:53.58%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Diserio Martin O&#146;Connor
  &amp;<br>
  &nbsp;&nbsp;Castiglioni LLP<br>
  One Atlantic Street<br>
  Stamford, CT 06901<br>
  Attention: Brian O&#146;Connor, Esq.<br>
  Facsimile: (203) 358-0800</font></p>
  </td>
 </tr>
 <tr>
  <td width="46%" valign="top" style="padding:0in 0in 0in 0in;width:46.42%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
  <td width="53%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:53.58%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="46%" valign="top" style="padding:0in 0in 0in 0in;width:46.42%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">The Lender:</font></p>
  </td>
  <td width="53%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:53.58%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">JPMorgan Chase
  Bank, N.A.<br>
  100 East Broad Street<br>
  Columbus, Ohio 43271-0171</font></p>
  </td>
 </tr>
 <tr>
  <td width="46%" valign="top" style="padding:0in 0in 0in 0in;width:46.42%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="9%" valign="top" style="padding:0in 0in 0in 0in;width:9.92%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Attention:</font></p>
  </td>
  <td width="43%" valign="top" style="padding:0in 0in 0in 0in;width:43.66%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Mark S. Slayman,<br>
  First Vice President</font></p>
  </td>
 </tr>
 <tr>
  <td width="46%" valign="top" style="padding:0in 0in 0in 0in;width:46.42%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="53%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:53.58%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Facsimile: (614)
  248-5518</font></p>
  </td>
 </tr>
 <tr>
  <td width="46%" valign="top" style="padding:0in 0in 0in 0in;width:46.42%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
  <td width="53%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:53.58%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="46%" valign="top" style="padding:0in 0in 0in 0in;width:46.42%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="53%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:53.58%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">with a copy to:</font></p>
  </td>
 </tr>
 <tr>
  <td width="46%" valign="top" style="padding:0in 0in 0in 0in;width:46.42%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
  <td width="53%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:53.58%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="46%" valign="top" style="padding:0in 0in 0in 0in;width:46.42%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="53%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:53.58%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Bailey Cavalieri
  LLC<br>
  One Columbus<br>
  10 West Broad Street<br>
  Columbus, Ohio 43215-3422<br>
  Attention: Anthony J. Sugar, Esq.<br>
  Facsimile: (614) 221-0479</font></p>
  </td>
 </tr>
</table>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Notwithstanding
any other provision hereof to the contrary, each Borrower has appointed the
Company as its representative to receive and give all notices to or from such
Borrower and the Lender shall have acted in accordance with this Agreement in
accepting notices from and giving notice to the Company as being notices from
or to such Borrower.</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a10_2TermOfAgreementTerminationSu_125729"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">10.2</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Term of
Agreement; Termination; Successors and Assigns</u></b><b><font style="font-weight:bold;">.</font></b>&#160;
This Agreement and all covenants, agreements, representations and
warranties made herein and in the reports, certificates and other writings
delivered pursuant hereto shall survive the execution and delivery of this
Agreement, the making by the Lender of each Loan and the execution and delivery
to the Lender of the Notes and shall continue in full force and effect until
terminated.&#160; The representations of
Borrowers herein are made as of the date of this Agreement.&#160; This Agreement shall terminate at such time
as the Revolving Credit Commitment is terminated in full and the Lender has
received payment in full of all amounts owing to the Lender hereunder and under
the Notes.&#160; Whenever in this Agreement
any of the parties hereto is referred to, such reference shall be deemed to
include the successors and assigns of such parties; and all terms and
provisions of this Agreement shall be binding upon and shall inure to the
benefit of the parties hereto and their respective successors and assigns,
whether so expressed or not; provided, however, that (i)&nbsp;no Borrower may
assign or transfer</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-38</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

</div>
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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">its
rights or duties under this Agreement to any Person without the prior written
consent of the Lender and (ii)&nbsp;the Lender may not assign, or participate,
this Agreement or the Notes to a direct competitor of the Borrowers.</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a10_3NoImpliedRightsOrWaivers_125755"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">10.3</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>No
Implied Rights or Waivers</u></b><b><font style="font-weight:bold;">.</font></b>&#160; No notice to or demand on any Borrower in any
case shall entitle such Borrower to any other or further notice or demand in
the same, similar and other circumstances.&#160;
Neither any failure nor any delay on the part of the Lender in
exercising any right, power or privilege hereunder or under the Notes shall
operate as a waiver thereof, nor shall a single or partial exercise thereof
preclude any other or further exercise of the same or the exercise of any other
right, power or privilege.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a10_4ApplicableLaw_125758"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">10.4</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Applicable
Law</u></b><b><font style="font-weight:bold;">.</font></b>&#160; This Agreement, the Notes and the other Loan
Documents shall be deemed to be contracts made under and shall be construed in
accordance with and governed by the laws of the State.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a10_5ModificationsAmendmentsOrWai_125801"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">10.5</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Modifications,
Amendments or Waivers</u></b><b><font style="font-weight:bold;">.</font></b></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>The
Lender and the Borrowers may from time to time enter into written agreements
amending or changing any provision of this Agreement or the rights of the
Lender or the Borrowers hereunder or give waivers or consents to a departure
from the due performance of the obligations of the Borrowers hereunder or under
the Notes.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>In
the case of any such waiver or consent relating to any provision hereof, the
parties shall be restored to their former positions and rights thereunder, and
any Default or Event of Default so waived or consented to shall be deemed to be
cured and not continuing; but no such waiver or consent shall extend to any
subsequent or other Default or Event of Default or impair any right consequent
thereon.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a10_6Counterparts_125806"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">10.6</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Counterparts</u></b><b><font style="font-weight:bold;">.</font></b>&#160;
This Agreement may be signed in any number of counterparts with the same
effect as if the signatures thereto were upon the same instrument.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a10_7Headings_125809"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">10.7</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Headings</u></b><b><font style="font-weight:bold;">.</font></b>&#160;
The headings of the articles and sections of this Agreement are inserted
for convenience only and shall not be deemed to constitute a part hereof.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a10_8Expenses_125813"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">10.8</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Expenses</u></b><b><font style="font-weight:bold;">.</font></b>&#160;
The Borrowers shall pay or cause to be paid and save the Lender harmless
against liability for the payment of all reasonable out-of-pocket expenses,
including counsel fees and disbursements incurred or paid by the Lender in
connection with the negotiation, development, preparation and execution of this
Agreement, the Notes, the other Loan Documents and the related
transactions.&#160; The Borrowers shall pay or
cause to be paid and save the Lender harmless against liability for the payment
of all reasonable out-of-pocket expenses, including counsel fees and
disbursements incurred or paid by the Lender in connection with (i)&nbsp;any
requested amendments, waivers or consents pursuant to the provisions hereof and
thereof; and (ii)&nbsp;the enforcement of this Agreement, the Notes and the
other Loan Documents including such expenses as may be incurred by the Lender
in collection of the Notes and all obligations of the Borrowers hereunder.</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-39</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a10_9AccountingTerms_125825"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">10.9</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Accounting
Terms</u></b><b><font style="font-weight:bold;">.</font></b>&#160; All accounting terms not specifically defined
herein shall be construed in accordance with GAAP.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a10_10Severability_125832"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">10.10</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Severability</u></b><b><font style="font-weight:bold;">.</font></b>&#160;
Any provision of this Agreement which is prohibited or unenforceable in
any jurisdiction shall, as to such jurisdiction, be ineffective to the extent
of such prohibition or unenforceability without invalidating the remaining
provisions hereof or effecting the validity or enforceability of such
provisions in any other jurisdiction.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a10_11WaiverOfJuryTrialConsentToV_125837"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">10.11</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Waiver of Jury
Trial; Consent to Venue</u></b><b><font style="font-weight:bold;">.</font></b>&#160; The Lender and the Borrowers, after having
had the opportunity to consult with counsel, knowingly, voluntarily, irrevocably,
unconditionally and intentionally waive any right to a trial by jury in any
litigation based upon or arising out of this Agreement or any related
instrument or agreement, or any of the transactions contemplated by this
Agreement, or any course of conduct, dealing, statements (whether oral or
written) or actions of any Borrower or the Lender.&#160; The Borrowers shall not seek to consolidate,
by counterclaim or otherwise, any action in which a jury trial has been waived with
any other action in which a jury trial cannot be or has not been waived.&#160; In the event of a dispute under this
Agreement, the Borrowers hereby, jointly and severally, agree that jurisdiction
and venue lies in a court of competent jurisdiction in Franklin County,
Ohio.&#160; These provisions shall not be
deemed to have been modified in any respect or relinquished by the Lender
except by a written instrument executed by it.&#160;
This provision is a material inducement to the Lender to enter into the
transactions described in this Agreement.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a10_12EntireAgreement_125841"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">10.12</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Entire
Agreement</u></b><b><font style="font-weight:bold;">.</font></b>&#160; This Agreement and the Exhibits hereto
reflect the entire understanding of the parties with respect to the subject
matter hereof and supersede all prior agreements or understandings with respect
thereto in their entirety.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a10_13CertificatesEtc_125844"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">10.13</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Certificates,
Etc</u></b><b><font style="font-weight:bold;">.</font></b>&#160; All certificates, reports and other writings
submitted by any Borrower to the Lender hereunder shall constitute the
representations and warranties of each Borrower to the Lender as to the truth
and accuracy of all facts, calculations and other information set forth
therein, as though fully set forth and repeated in this Agreement.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a10_14WaiverOfCertainDefenses_125849"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">10.14</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Waiver of
Certain Defenses</u></b><b><font style="font-weight:bold;">.</font></b>&#160; Each of the Borrowers hereby waives all
defenses based on suretyship and impairment of collateral.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a10_15UsaPatriotActNotification_125852"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">10.15</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>USA Patriot
Act Notification</u></b><b><font style="font-weight:bold;">.</font></b>&#160; The following notification is provided to the
Borrowers pursuant to Section&nbsp;326 of the USA Patriot Act of 2001, 31
U.S.C. Section&nbsp;5318:</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt .5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">IMPORTANT
INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT.&#160; To help the government fight the funding of
terrorism and money laundering activities, Federal law requires all financial
institutions to obtain, verify and record information that identifies each
person or entity that opens an account, including any deposit account, treasury
management account, loan, other extension of credit or other financial services
product.&#160; What this means for each
Borrower:&#160; When such Borrower opens an
account, if such Borrower is an individual, the Lender will ask for a Borrower&#146;s
name, taxpayer identification number, residential address, date of birth and
other information that will allow the</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-40</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt .5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Lender
to identify such Borrower, and if such Borrower is not an individual, the
Lender will ask for such Borrower&#146;s name, taxpayer identification number,
business address and other information that will allow the Lender to identify
such Borrower.&#160; The Lender may also ask,
if a Borrower is an individual, to see such Borrower&#146;s driver&#146;s license or
other identifying documents, and if a Borrower is not an individual, to see
such Borrower&#146;s legal organizational documents or other identifying documents.</font></p>

<p style="margin:0in 0in .0001pt .5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="a10_16Indemnification_125922"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">10.16</font></b></a><b><font size="1" style="font-size:3.0pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Indemnification</u></b><b><font style="font-weight:bold;">.</font></b>&#160;
The Borrowers, jointly and severally, agree to defend, protect,
indemnify and hold harmless the Lender, each of its affiliates, and each of
their respective officers, directors, employees, agents and co-agents
(collectively, the &#147;Indemnitees&#148;) from and against any and all liabilities,
obligations, losses, damages, penalties, actions, judgments, suits, claims,
costs, expenses and disbursements of any kind or nature whatsoever&#160; (including, without limitation, the
reasonable fees and disbursements of counsel for such Indemnitees in connection
with any investigative, administrative or judicial proceeding, whether or not
such Indemnitees shall be designated a party thereto), imposed on, incurred by,
or asserted against such Indemnitees in any manner relating to or arising out
of this Agreement, the Notes or the other Loan Documents, the use or intended
use of the proceeds of the Loans, the Caronia Acquisition or the termination of
the employment of any Management Investors or other employees or officers of
any Borrower (collectively, the &#147;Indemnified Matters&#148;); provided, that the
Borrowers shall have no obligation to an Indemnitee hereunder with respect to
Indemnified Matters caused by or resulting from the gross negligence or willful
misconduct of that Indemnitee.&#160; To the
extent that the undertaking to indemnify, pay and hold harmless set forth in
the preceding sentence may be unenforceable because it is violative of any law
or public policy, each of the Borrowers shall contribute the maximum portion
which it is permitted to pay and satisfy under applicable law, to the payment
and satisfaction of all Indemnified Matters incurred by the Indemnitees.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<h1 style="margin:0in 0in .0001pt;page-break-after:auto;text-align:center;text-transform:uppercase;"><a name="Article11_Definitions_125926"><b><u><font size="2" face="Times New Roman" style="font-size:10.0pt;text-transform:none;">ARTICLE&nbsp;11.&#160;
DEFINITIONS</font></u></b></a></h1>

<h1 style="margin:0in 0in .0001pt;page-break-after:auto;text-align:center;text-transform:uppercase;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:normal;text-transform:none;">&nbsp;</font></b></h1>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">The
terms set forth and defined in <u>Exhibit H</u> hereto shall, for the purposes
of this Agreement, have the meanings assigned to such terms as set forth in <u>Exhibit
H</u>.</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">[SIGNATURE PAGES TO FOLLOW]</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-41</font></p>

<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><a name="InWitness_133039"><font size="2" face="Times New Roman" style="font-size:10.0pt;">IN WITNESS</font></a>
WHEREOF, the Borrowers and the Lender have caused this Second Amended and
Restated Loan Agreement to be duly executed by their duly authorized officers,
all as of the day and year first above written.</p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

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  <p style="font-size:10.0pt;margin:0in 0in .0001pt;"><b><u><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">LENDER</font></u>:</b></p>
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  <td width="100%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
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  <td width="100%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p style="margin:0in 0in .0001pt 10.0pt;text-indent:-10.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">JPMORGAN CHASE BANK, N.A.,<br>
  a national banking association (successor<br>
  by merger to Bank One, NA) (Main Office<br>
  Columbus)</font></p>
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  <td width="100%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
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  <td width="100%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
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  <td width="3%" valign="top" style="padding:0in 0in 0in 0in;width:3.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">By:</font></p>
  </td>
  <td width="3%" valign="top" style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 0in 0in 0in;width:3.72%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="27%" valign="top" style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 0in 0in 0in;width:27.76%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">/s/ Mark S.
  Slyaman</font></p>
  </td>
  <td width="64%" valign="top" style="padding:0in 0in 0in 0in;width:64.82%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
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  <td width="3%" valign="top" style="padding:0in 0in 0in 0in;width:3.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="96%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:96.3%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;&nbsp;Mark
  S. Slayman, First Vice President</font></p>
  </td>
 </tr>
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  <td width="100%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
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  <td width="100%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
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  <td width="100%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;"><b><u><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">BORROWERS</font></u>:</b></p>
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  <td width="100%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
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  <td width="100%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">WC HOLDINGS, INC., a Delaware corporation</font></p>
  </td>
 </tr>
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  <td width="100%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">COMPMANAGEMENT, INC., an Ohio corporation</font></p>
  </td>
 </tr>
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  <td width="100%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">COMPMANAGEMENT INTEGRATED DISABILITY SERVICES, INC., an Ohio
  corporation</font></p>
  </td>
 </tr>
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  <td width="100%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">CMI MANAGEMENT COMPANY, an Ohio corporation</font></p>
  </td>
 </tr>
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  <td width="100%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">COMPMANAGEMENT OF VIRGINIA, INC., a Virginia corporation</font></p>
  </td>
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  <td width="100%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">COMPMANAGEMENT DISABILITY SERVICES COMPANY, a Virginia corporation</font></p>
  </td>
 </tr>
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  <td width="100%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">CMI BARRON RISK MANAGEMENT SERVICES, INC., a Texas corporation</font></p>
  </td>
 </tr>
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  <td width="100%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">COMPMANAGEMENT HEALTH SYSTEMS, INC., an Ohio corporation</font></p>
  </td>
 </tr>
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  <td width="100%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">OCTAGON RISK
  SERVICES, INC., a Minnesota corporation</font></p>
  </td>
 </tr>
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  <td width="100%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;">INTEGRATED CLAIM STRATEGIES, INC.</font>, a Florida Corporation</font></p>
  </td>
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  <td width="100%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">KRAMMCO INC., an
  Ohio Corporation</font></p>
  </td>
 </tr>
 <tr>
  <td width="100%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">CARONIA
  CORPORATION, a Delaware corporation</font></p>
  </td>
 </tr>
 <tr>
  <td width="100%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">MANAGED CARE
  HOLDINGS CORPORATION, a Delaware corporation</font></p>
  </td>
 </tr>
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  <td width="100%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="100%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width="3%" valign="top" style="padding:0in 0in 0in 0in;width:3.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">By:</font></p>
  </td>
  <td width="3%" valign="top" style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 0in 0in 0in;width:3.72%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="27%" valign="top" style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 0in 0in 0in;width:27.76%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">/s/ Kevin Lowry</font></p>
  </td>
  <td width="64%" valign="top" style="padding:0in 0in 0in 0in;width:64.82%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
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  <td width="7%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:7.4%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
  <td width="92%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:92.6%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Kevin Lowry,
  Vice President</font></p>
  </td>
 </tr>
</table>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">K-42</font></p>

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