AEGIS COMMUNICATIONS GROUP INC
EX-10.5
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<TYPE>EX-10.5
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<FILENAME>a03-2551_1ex10d5.htm
<DESCRIPTION>EX-10.5
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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
10.5</font></b></p>

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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><u><font size="2" face="Times New Roman" style="font-size:10.0pt;">AMENDED AND RESTATED<br>
PROMISSORY NOTE</font></u></p>

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<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:10.0pt;">US$191,400</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;">April 11, 2003</font></p>
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  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">New York, NY</font></p>
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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>

<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:left;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">FOR
VALUE RECEIVED</font></b>, on the Maturity Date (as defined below), IQI,
Inc., a New York corporation (&#147;Maker&#148; and also sometimes referred to herein as
the &#147;Company&#148;), promises to pay to the order of The Edward Blank 1995 Grantor
Retained Annuity Trust (&#147;Holder&#148;), at 435 East 87th Street, New York, New
York&#160; 10010, or at such other place as
the Holder may from time to time designate in writing, the principal sum of One
Hundred Ninety-One Thousand Four Hundred Dollars ($191,400), plus interest on
the principal balance thereof from time to time outstanding under this
promissory note (the &#147;Note&#148;; this Note together with the other 12% subordinated
promissory note issued by the Borrower on the date hereof to Edward Blank being
collectively referred to as the &#147;12% Notes&#148;) at the rate and upon the terms set
forth below.</p>

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

<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:left;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">1.</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; </font><u>Interest</u>.&#160; Commencing on the date hereof and continuing
until repayment in full, interest shall accrue on the principal balance
outstanding hereunder at a rate equal to twelve percent (12.00%) per annum.
Interest shall be computed on the basis of a three hundred sixty (360) day year
counting the number of actual days elapsed.</p>

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

<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:left;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">2.</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; </font><u>Payments
and Maturity</u>.&#160; Subject to the
provisions of Sections&nbsp;4 and 5 hereof, the unpaid principal sum, together
with interest thereon at the rate provided above, shall be payable as follows:</p>

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

<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:left;text-indent:1.0in;"><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>Interest
only on the unpaid principal sum shall be due and payable semi-annually, on
each January&nbsp;31 and July&nbsp;31 commencing on July&nbsp;31, 2003; and</p>

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

<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:left;text-indent:1.0in;"><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>Unless
the Company elects to prepay pursuant to Section&nbsp;3(a) hereof, or unless
the Company is required to prepay pursuant to Section&nbsp;3(b) hereof, the
unpaid principal sum, together with interest accrued and unpaid thereon, shall
be due and payable at 10:00&nbsp;a.m., New York time, on the Maturity
Date.&#160; As used herein, the term
&#147;Maturity Date&#148; shall mean April 17, 2004; <u>provided</u>, <u>however</u>,
that if the Senior Indebtedness (as defined below) shall not have been paid in
full on or before April 15, 2004, then the Maturity Date shall mean July 16,
2004.</p>

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

<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;page-break-after:avoid;text-align:left;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">3.</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; </font><u>Prepayment</u>.</p>

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

<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:left;text-indent:1.0in;"><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>Subject
to the provisions of Section&nbsp;4, this Amended and Restated Promissory Note
(this &#147;Note&#148;) may be prepaid in whole or in part at any time without notice,
premium or penalty.&#160; The Maker shall
give the Holder of this Note at least thirty days prior written notice of any
prepayment under this Section&nbsp;3(a).&#160;
Subject to the provisions of Section&nbsp;4 hereof, the amount of any
partial prepayment shall first be applied to accrued but unpaid interest owing
on this Note and then to the unpaid principal balance hereof.</p>

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

<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:left;text-indent:1.0in;"><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>This
Note shall automatically become due and payable on the day that:&#160; (i)&nbsp;the Company consummates its initial
public offering pursuant to a registration statement declared effective by the
Securities and Exchange Commission of common stock (the &#147;IPO&#148;), or
(ii)&nbsp;the date of effectiveness of a &#147;Company Sale&#148;, provided, that the
maturity date of the Senior Indebtedness has not (on or prior to the date of
the IPO or Company Sale) been accelerated, in which case such payment of this
Note shall be subject to Section&nbsp;4.&#160;
A &#147;Company Sale&#148; shall be defined as any of (A)&nbsp;any sale, assignment,
conveyance, transfer, lease or other disposition, in one or a series of
transactions, of all or substantially all of the assets of the Company or Aegis
Communications Group, Inc., a Delaware corporation (&#147;Aegis&#148;), to any person, or
group of related persons other than to an &#147;Affiliate&#148; (as such term is defined
in the Stock Purchase Agreement dated October&nbsp;24, 1996 by and among the
Maker, the Holder and various other parties) of the Company or Aegis;
(B)&nbsp;any consolidation, merger, recapitalization, or share exchange of the
Company or Aegis in which the holders of voting stock of the Company or Aegis,
respectively, immediately before the merger, consolidation, recapitalization,
or share exchange will not own 50% or more of the voting shares of the
continuing or surviving corporation or other entity (whether or not the Company
or Aegis) immediately after such consolidation, merger, recapitalization, or
share exchange; or (C)&nbsp;any sale or other disposition of voting stock of
the Company or Aegis representing 50% or more of the total voting power of the
Company&#146;s or Aegis&#146; outstanding capital stock in one or a series of related
transactions to any person, or group of related persons, other than to Holder
and Thayer Capital Partners or any of their other respective affiliates.&#160; The Maker shall give the Holder at least 10
days prior written notice of the proposed consummation of any Company Sale.</p>

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

<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;page-break-after:avoid;text-align:left;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">4.</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; </font><u>Subordination
of Note</u>.</p>

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

<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:left;text-indent:1.0in;"><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
Maker hereof agrees and the Holder by its acceptance of this Note likewise
agrees that the indebtedness represented by this Note (the &#147;Subordinated
Indebtedness&#148;) shall be subordinate pursuant to the terms of this Note to the
prior payment in full of all indebtedness, obligations and liabilities of the
Maker to the Lenders, the Issuers and the Agents parties to (and as such terms
are defined in) that certain Fourth Amended and Restated Credit Agreement,
dated as of April&nbsp;11, 2003, as amended or otherwise modified from time to
time (the &#147;Credit Agreement&#148;) among the</p>

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

<p align="left" style="margin:0in 0in .0001pt;text-align:left;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Maker, Aegis, the various
financial institutions as are or may from time to time become parties thereto
(collectively, the &#147;Lenders&#148;) and The Bank of Nova Scotia as the &#147;Documentation
Agent&#148;, the &#147;Syndication Agent&#148; and as the &#147;Administrative Agent&#148; (in such
capacity, the &#147;Administrative Agent&#148;) for the Lenders, arising out of or in
connection with the Credit Agreement (providing for a Revolving Loan Commitment
Amount of $19,000,000), the Notes and/or any of the other Loan Documents, as
such capitalized terms are defined in the Credit Agreement, in each case as the
same may be modified, renewed, extended, refunded, refinanced, replaced
(through new loan or security agreements or otherwise), increased or decreased
from time to time (provided that the subordination provisions provided
hereunder shall not be effective in the event of any increase in the Lenders&#146;
Commitments, as defined in the Credit Agreement, to an aggregate amount in
excess of 111.7% of the Lenders&#146; Commitments under the Credit Agreement as
initially executed, as such Lenders&#146; Commitments may be reduced subsequently on
account of permanent reductions made with respect to the Revolving Loan
Commitment Amount (as defined in the Credit Agreement)), including, without
limitation, as to all indebtedness, obligations and liabilities described in
the foregoing, all principal, interest (including any interest accruing
subsequent to the date of, or which would accrue but for, a filing or a
petition or other action commencing bankruptcy, insolvency or similar
proceedings with respect to the Maker, whether or not permitted as an
enforceable claim against the Maker pursuant to applicable bankruptcy,
insolvency or reorganization laws), and commitment, agency, facility,
structuring, restructuring and other fees payable in connection therewith,
together with any and all other expenses, indemnities or amounts payable in
connection therewith, including all expenses incurred by the Lender Parties (as
defined below) in collecting all or any of the above or enforcing any rights
under the Credit Agreement, the Notes, each other Loan Document, or any other
agreement contemplated thereby (said indebtedness, obligations and liabilities
of the Maker referred to above being hereinafter collectively referred to as
the &#147;Senior Indebtedness&#148;; the Credit Agreement, the Notes and the other Loan
Documents being collectively referred to herein as the &#147;Senior Debt Documents&#148;
and the Lenders, the Issuers and the Agents being collectively referred to
herein as the &#147;Lender Parties&#148;).&#160; As
used in this Note, the phrases &#147;payment in full&#148; and &#147;paid in full&#148; shall mean
the payment in full in cash of such amount or obligations.&#160; To the extent any payment in respect of the
Senior Indebtedness (whether by or on behalf of the Maker, as proceeds of
security or enforcement of any right of setoff or otherwise) is declared to be
fraudulent or preferential, set aside or required to be paid to any receiver,
trustee in bankruptcy, liquidating trustee, agent or other similar persons
under the bankruptcy, insolvency, receivership, fraudulent conveyance or
similar law, then if such payment is recovered by, or paid over to, such
receiver, trustee in bankruptcy, liquidating trustee, agent or other similar
person, the Senior Indebtedness or part thereof originally intended to be
satisfied shall be deemed to be reinstated and outstanding as if such payment
had not occurred.&#160; To the extent the
obligation to repay any Senior Indebtedness is declared to be fraudulent,
invalid, or otherwise set aside under any bankruptcy, insolvency, receivership,
fraudulent conveyance or similar law, then the obligations so declared
fraudulent, invalid, or otherwise set aside (and all other amounts that would
come due with respect thereto had</font></p>

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<p align="left" style="margin:0in 0in .0001pt;text-align:left;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">such obligations not been
affected) shall be deemed to be reinstated and outstanding as Senior
Indebtedness for all purposes hereof as if such declaration, invalidity or
setting aside had not occurred.</font></p>

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<p align="left" style="margin:0in 0in .0001pt;text-align:left;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Except with respect to the payment of accrued interest on the Note in
accordance with the provisions of Section&nbsp;2 hereof, except as otherwise
expressly provided below, all Senior Indebtedness shall be paid in full and any
commitments under the Senior Debt Documents to extend credit shall be
terminated before any payment of principal or interest may be made on the
Subordinated Indebtedness.</font></p>

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<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:left;text-indent:1.0in;"><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>Upon
(i)&nbsp;any acceleration of the maturity of the Senior Indebtedness,
(ii)&nbsp;any distribution, division or application, partial or complete,
voluntary or involuntary, by operation of law or otherwise, of all or any part
of the property, assets or business of the Maker upon any dissolution, winding
up, liquidation, or reorganization of the Maker, whether in bankruptcy,
insolvency, receivership, reorganization, or other similar proceeding or upon
an assignment for the benefit of creditors, any other marshaling of the assets
and liabilities of the Maker or any proceeding by or against the Maker for any
relief under any bankruptcy, reorganization or insolvency law or laws relating
to the relief of debtors, readjustment of indebtedness or reorganization, or
otherwise (all or any of the foregoing in this subsection&nbsp;(b)(ii) being
referred to as a &#147;Bankruptcy Event&#148;) or (iii)&nbsp;the occurrence of a default
in the payment of any principal or interest due under the Credit Agreement
(after the giving of any required notice and the lapse of any applicable grace
period in accordance with the terms of the Credit Agreement, a &#147;Payment
Default&#148;), which is not waived by the Lender Parties, and which entitles the
Lender Parties to accelerate the maturity of the Senior Indebtedness (each such
event in (i), (ii) and (iii) being referred to as a &#147;Subordination Event&#148;) and
until such Subordination Event is rescinded, waived or otherwise cured:&#160; (A)&nbsp;the Lender Parties shall first be
entitled to receive payment in full of the Senior Indebtedness, or provision
shall be made for such payment in cash, before the Holder is entitled to
receive any payment on account of any principal or interest owing on this Note;
and (B)&nbsp;any payment by, or distribution of assets of, the Maker of any
kind or character, whether in cash, property or securities, to which the Holder
would be entitled except for the provisions hereof shall be paid or delivered
by the person making such payment or distribution (whether a trustee in
bankruptcy, a receiver or liquidating trustee, or otherwise) directly to the
Administrative Agent on behalf of the Lender Parties to the extent necessary to
make payment in full of the Senior Indebtedness remaining unpaid after giving
effect to any concurrent payment or distribution (or provision therefor) to the
Lender Parties, and the Holder shall not receive any such payment or
distribution or any benefit therefrom until the Senior Indebtedness shall have
been paid in full and satisfied; provided, however, that at such time as an
acceleration of maturity or Payment Default described in clauses&nbsp;(i) or
(iii) above is rescinded, cured or waived, then the provisions of this
subsection&nbsp;(b) shall no longer be effective with respect to the event or
occurrence which gave rise to such Subordination Event, and subject to
subsection&nbsp;(c) below, the Maker</p>

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<p align="left" style="margin:0in 0in .0001pt;text-align:left;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">shall resume making any
and all payments of interest and principal on this Note, including any missed
payments.</font></p>

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<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:left;text-indent:1.0in;"><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>Upon
the occurrence of an Event of Default (as defined in the Credit Agreement)
which is neither a Payment Default or a Subordination Event and which is not
waived by the Lender Parties (a &#147;Non-Payment Default&#148;) and which would entitle
the Lender Parties to accelerate the maturity of the Senior Indebtedness (such
event being referred to as a &#147;Payment Blockage Event&#148;), no payment of principal
or interest shall be made on this Note and no distribution of the assets of
Maker of any kind or character to which the Holder would be entitled except for
the provisions hereof shall be paid or delivered for a period (a &#147;Payment
Blockage Period&#148;) commencing on the date of the receipt by the Maker from the
Administrative Agent (a copy of which the Maker agrees to give promptly and in
any event no later than three days following the Maker&#146;s receipt thereof to the
Holder) of written notice of such Payment Blockage Event and ending on the
earliest of (i)&nbsp;179 days after such receipt by the Maker of such notice of
the Payment Blockage Event, (ii)&nbsp;the date that the applicable Payment
Blockage Event is waived by the Administrative Agent on behalf of the Lender
Parties, cured or ceases to exist or (iii)&nbsp;the date that such Payment Blockage
Period shall have been terminated by written notice to the Maker from the
Administrative Agent, a copy of which the Maker agrees to give promptly and in
no event later than three days following Maker&#146;s receipt thereof to the Holder,
in each case after which the Maker shall resume making any and all payments due
under this Note in accordance with the provisions of Section&nbsp;2 hereof,
including any payments missed during the Payment Blockage Period.&#160; If a Payment Blockage Period is commenced
(an &#147;Initial Blockage Period&#148;), additional Payment Blockage Periods may be
commenced during the Initial Blockage Period, provided that no such additional
Payment Blockage Period shall extend beyond the expiration of the Initial
Blockage Period.&#160; After the expiration
of an Initial Blockage Period, no subsequent Payment Blockage Period may be
commenced, until at least 90 consecutive days shall have elapsed from the last
day of the Initial Blockage Period, even if a Payment Blockage Event shall
occur during such 90-day period.</p>

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

<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:left;text-indent:1.0in;"><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>So
long as any of the Senior Indebtedness shall remain outstanding or any
Commitments under the Senior Debt Documents shall be in effect, the Holder
shall not (i)&nbsp;challenge the legality, the validity, enforceability or
priority of the Senior Indebtedness or the legality, validity, enforceability,
perfection or priority of the liens granted pursuant to any of the Senior Debt
Documents or the rights of the Lender Parties under any of the Senior Debt
Documents; (ii)&nbsp;except as provided in Section&nbsp;5 hereof, exercise any
remedy or commence, prosecute or participate in any action, whether private,
judicial, equitable, administrative or otherwise, including without limitation
any bankruptcy case, against the Maker or any of its assets to enforce any right
under and in respect to the Subordinated Indebtedness; or (iii)&nbsp;except as
provided in Section&nbsp;5 hereof, have any right to accelerate the maturity
of, or institute any proceedings to enforce, any indebtedness evidenced by this
Note or otherwise take any action to collect or seek</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;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">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>

<font size="2" face="Times New Roman" style="font-size:10.0pt;">
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</font>

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

<p align="left" style="margin:0in 0in .0001pt;text-align:left;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">enforcement of payment of
the Subordinated Indebtedness or otherwise attempt to recover payment of the
Subordinated Indebtedness.</font></p>

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

<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:left;text-indent:1.0in;"><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>Should
any payment of any part of the Subordinated Indebtedness be received by Holder
in violation of the provisions of this Section&nbsp;4, such payment shall be
delivered forthwith to the Administrative Agent on behalf of the Lender Parties
by the Holder for application to the Senior Indebtedness in the form received
except for the addition of any endorsement or assignment necessary to effect
the transfer of all rights therein to the Administrative Agent on behalf of the
Lender Parties.&#160; The Administrative
Agent is irrevocably authorized to supply any required endorsement or
assignment which may have been omitted.&#160;
Until such delivery, any such payment or collateral shall be held by the
Holder in trust for the Administrative Agent on behalf of the Lender Parties and
shall not be commingled with other funds or property of the Holder.&#160; The Holder further agrees not to sell,
assign, transfer, or endorse his claim or claims under the Subordinated
Indebtedness, no matter how evidenced, to anyone without obtaining such transferee&#146;s
consent to be bound by the provisions, of this Section&nbsp;4.</p>

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

<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:left;text-indent:1.0in;"><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>The
Holder agrees and consents that the Administrative Agent and the Lender Parties
shall have uncontrolled power and discretion, without notice to the Holder, to
deal in any manner with the Senior Indebtedness and with all principal,
interest, late charges, costs, and expenses payable by, or the liability of the
Maker as borrower under the Senior Debt Documents in such capacity (the
&#147;Borrower&#148;) or any other obligor in respect of the Senior Indebtedness and the
Senior Debt Documents (such obligors, together with the Borrower being referred
to herein individually as an &#147;Obligor&#148;, and, collectively, as the &#147;Obligors&#148;)
to such Lender Parties arising therefrom, and with any security and guarantees
therefor, including, but not by way of limitation, any release, surrender,
extension, renewal, acceleration, compromise, or substitution.</p>

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

<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:left;text-indent:1.0in;"><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>This
Section&nbsp;4 shall continue in full force and effect until the Senior
Indebtedness is paid in full and any Commitments under the Senior Debt Documents
to extend credit are terminated or expire.&#160;
The Lender Parties may continue, without notice to the Holder, to extend
Senior Indebtedness on the faith of this Section&nbsp;4 until the payment in
full of all Senior Indebtedness and the termination of all Commitments under
the Senior Debt Documents.</p>

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

<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:left;text-indent:1.0in;"><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>Subject
to (and not until) the payment in full of all the Senior Indebtedness, the
Holder shall be subrogated to the rights of the Lender Parties to receive
payments or distributions of assets of the Borrower made on the Senior
Indebtedness until the principal of and interest on this Note shall be paid in
full; and, for the purposes of such subrogation, no payments or distributions
to or for the benefit of the Lender Parties of any cash, property or securities
to which the Holder would be entitled except for the provisions of this
Section&nbsp;4 shall, as between the Borrower, its creditors other than the
Lender Parties and the Holder, be deemed to be a payment by the Borrower to or
on account of Senior Indebtedness, it being understood that these provisions
are and are</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;">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>

<font size="2" face="Times New Roman" style="font-size:10.0pt;">
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</font>

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

<p align="left" style="margin:0in 0in .0001pt;text-align:left;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">intended solely for the
purpose of defining the relative rights of the Holder, on the one hand, and the
Lender Parties and their representatives on the other hand.</font></p>

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

<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:left;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
Holder acknowledges and agrees that the Lender Parties will be entering into
the Credit Agreement and the other Senior Debt Documents in reliance upon the
subordination provided for herein, and that the Lender Parties will continue to
rely upon such provisions in extending credit to the Borrower.&#160; In furtherance of the foregoing, the Holder
hereby waives notice of or proof of reliance hereon and protest, demand for
payment and notice of default.</p>

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

<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:left;text-indent:1.0in;"><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>No
present or future Lender Parties shall be prejudiced in their right to enforce
the subordination contained herein in accordance with the terms hereof by any
act or failure to act on the part of the Borrower.</p>

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

<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:left;text-indent:1.0in;"><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>Nothing
in this Section&nbsp;4 is intended as between the Maker and the Holder to
impair in any way the obligation of the Maker to pay all amounts due hereunder
in accordance with the other provisions of this Note and to perform and comply
in all respects with all of its other obligations under this Note in a timely
manner.</p>

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

<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;page-break-after:avoid;text-align:left;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">5.</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; </font><u>Holder&#146;s
Rights</u>.</p>

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

<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:left;text-indent:1.0in;"><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
(i)&nbsp;all the Senior Indebtedness shall have become or be declared to be
immediately due and payable, or (ii)&nbsp;the Maker shall default in the
payment of any interest payable under this Note when due, and if any Senior
Indebtedness is outstanding or any Commitments under the Senior Debt are in
effect and such default shall continue unremedied for a period of six months,
then, and in any such event, but subject to the provisions of Section&nbsp;4,
the holders of 66-2/3% of the aggregate principal amount of the&nbsp;12% Notes
then outstanding may at their option, by the delivery of written notice to the
Maker and the Administrative Agent, declare the 12% Notes to be due and
payable, whereupon (subject to the next two sentences) the unpaid principal
amount of and accrued interest on and all other amounts owing under the 12%
Notes shall forthwith mature and become due and payable, all without
presentment, demand, protest or other notice, all of which are hereby expressly
waived.&#160; If payment of the Note is
accelerated in accordance with the foregoing, the Maker shall promptly notify
the Administrative Agent of the acceleration.&#160;
If any Senior Indebtedness is outstanding or any Commitments under the
Senior Debt Documents are in effect, neither the Maker nor any other person may
pay the 12% Notes until 15 days after the Administrative Agent has received
notice of such acceleration and, in any event, may pay the 12% Notes only if
such payments are otherwise permitted pursuant to Section&nbsp;4 at such time.</p>

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

<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:left;text-indent:1.0in;"><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>At
any time after this Note is declared due and payable, as provided above, the
holders of 66-2/3% of the aggregate principal amount of the 12% Notes then
outstanding, by written notice to the Maker, may rescind and annul any such
declaration in respect of the 12% Notes and its consequences if (x)&nbsp;the
Maker has paid all overdue interest on the 12% Notes, and (y)&nbsp;all Sub Debt
Events of Default, other than</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;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">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>

<font size="2" face="Times New Roman" style="font-size:10.0pt;">
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</font>

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

<p align="left" style="margin:0in 0in .0001pt;text-align:left;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">non-payment of amounts
which have become due solely by reason of such declaration, have been cured or
waived by such holders; <u>provided</u>, that no such rescission and annulment
shall extend to or affect any subsequent Sub Debt Event of Default or impair
any right consequent thereon.</font></p>

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

<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:left;text-indent:1.0in;"><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>Upon
the occurrence of (i)&nbsp;a Company Sale, (ii)&nbsp;an IPO or (iii)&nbsp;the
Maturity Date, the Maker shall repay in full the principal amount of the
Subordinated Indebtedness, together with all accrued interest thereon, and
notwithstanding that any Senior Indebtedness is outstanding on such repayment
date, or that any Commitments under the Senior Debt Documents are in effect on
such repayment date, and notwithstanding the provisions of Section&nbsp;4, such
repayment shall be made unless (x)&nbsp;a Bankruptcy Event has occurred or (y)&nbsp;the
maturity of the Senior Indebtedness has been accelerated, in either of which
case, any and all such repayments shall be subject to Section&nbsp;4.</p>

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

<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:left;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">6.</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; </font><u>Unsecured
Note</u>.&#160; This Note is not secured by a
security interest in any assets.</p>

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

<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:left;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">7.</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; </font><u>Default
Rate</u>.&#160; After the occurrence and
during the continuance of a Sub&nbsp;Debt Event of Default (as defined below),
in addition to all other rights and remedies, the outstanding principal balance
of this Note (and to the extent permitted by applicable law, all unpaid
interest) shall bear interest at a rate equal to fifteen percent (15%) per
annum, or such lesser rate which is the maximum rate of interest permitted by
law.&#160; A &#147;Sub Debt Event of Default&#148;
shall occur if:</p>

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

<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:left;text-indent:1.0in;"><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>default
shall be made in the payment of any amount of interest on this Note when due
(without giving effect to any grace period) and such default shall continue for
a period of five days after the Holder shall have sent the Maker written notice
of such default; or</p>

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

<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:left;text-indent:1.0in;"><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>default
shall be made in the payment of any amount of principal due under this Note,
when due; or</p>

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

<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:left;text-indent:1.0in;"><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>a
Subordination Event shall have occurred and be continuing; or</p>

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

<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:left;text-indent:1.0in;"><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>the
Maker shall apply for or consent to the appointment of a custodian, receiver,
trustee or liquidator, or other court-appointed fiduciary of all or a
substantial part of its properties; or such a custodian, receiver, trustee or
liquidator or other court-appointed fiduciary shall be appointed with or
without the consent of the Maker; or the Maker is generally not paying its
debts as they become due by means of available assets or is insolvent, or makes
a general assignment for the benefits of creditors; or the Maker files a
voluntary petition in bankruptcy, or a petition or an answer seeking
reorganization or arrangement with creditors or seeking to take advantage or
any insolvency law, or an answer admitting the material allegations of a
petition in any bankruptcy, reorganization or insolvency proceeding or has
taken action for the purpose</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;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">8</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="font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>

<p align="left" style="margin:0in 0in .0001pt;text-align:left;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">of effecting any of the
foregoing; or within 60 days after the commencement of any proceeding against
the Maker seeking any reorganization, rehabilitation, arrangement, composition,
readjustment, liquidation, dissolution or similar relief under the U.S. Bankruptcy
Code or any comparable state law or any successor law or the appointment of any
trustee, receiver, custodian, liquidator, or other court-appointed fiduciary of
the Maker or of all or any substantial part of its properties, such order or
appointment shall not have been vacated or stayed on appeal or otherwise or if,
within 60 days after the expiration of any such stay, such order or appointment
shall not have been vacated.</font></p>

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

<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:left;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">8.</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; </font><u>Collection
Costs</u>.&#160; The Maker shall pay the
Holder the reasonable attorneys&#146; fees and costs incurred to collect the unpaid
principal balance and interest owing on this Note and otherwise to enforce the
Holder&#146;s rights and remedies under this Note.</p>

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

<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:left;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">9.</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; </font><u>Modifications;
Waivers</u>.&#160; Subject to
subsection&nbsp;(b) below, (a)&nbsp;this Note may not be amended, modified,
extended, discharged or waived orally or by course of conduct, except by an
agreement in writing, signed by the party against whom enforcement of any
amendment, modification, extension, discharge, or waiver is sought.&#160; A waiver of any provision of this Note or of
any breach thereof shall not be deemed or construed as a general waiver of such
provision or any other provision hereof or of any rights hereunder.&#160; No failure or delay in exercising any right
or remedy hereunder operates as a waiver thereof.&#160; No single or partial exercise of any right or remedy hereunder
precludes any other or further exercise of any right or remedy hereunder and
the exercise of any right or remedy hereunder does not preclude the
simultaneous or later exercise of any other rights or remedies available at law
or in equity.</p>

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

<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:left;text-indent:1.0in;"><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>Notwithstanding
anything to the contrary herein, each of the parties hereto acknowledges and
agrees that certain of the provisions contained herein (including the
subordination provisions of Section&nbsp;4 hereof) are solely for the benefit
of the Lender Parties and their representatives, assignees and beneficiaries,
and this Note may not be rescinded, cancelled, amended or modified in any way,
and this Note may not be assigned, sold, pledged as security or otherwise
transferred nor may any provision of this Note be waived or changed, nor may
the indebtedness evidenced hereby be cancelled, compromised or discharged in
whole or in part, in each case, without the prior written consent thereto of,
so long as any Senior Indebtedness remains outstanding, or any Commitments
under the Senior Debt Documents are in effect, the Administrative Agent (on
behalf of the Lender Parties), provided that such consent shall not be
unreasonably withheld in connection with an assignment to Edward Blank, the
spouse or children of Edward Blank, more remote descendants of any such
persons, or trusts for the benefit of any such persons.</p>

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

<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:left;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">10.</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><u>Headings</u>.&#160; All headings in this Note are for
convenience of reference only and do not affect the meaning of any provision.</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;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">9</font></p>


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</font></div>

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

<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:left;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">11.</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><u>Partial
Invalidity</u>.&#160; If any provision of
this Note is at any time held to be invalid by any court of competent
jurisdiction, such invalidity shall not effect the remaining provisions of this
Note, which shall continue to be in full force and effect.</p>

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

<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:left;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">12.</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><u>Waivers</u>.&#160; The Maker hereby waives presentment, demand
for payment, protest, notice of protest and notice of dishonor of this Note.</p>

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

<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;page-break-after:avoid;text-align:left;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">13.</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><u>Governing
Law</u>.&#160; This Note shall be governed
by, and construed in accordance with, the laws of the State of New York.</p>

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

<p align="left" style="font-size:10.0pt;margin:0in 0in .0001pt;page-break-after:avoid;text-align:left;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">14.</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><u>Amended
and Restated Note; No Novation</u>.&#160;
This Amended and Restated Promissory Note amends and restates in its
entirety that certain Promissory Note dated December 17, 1997 in the principal
amount of $191,400 by Maker to The Edward Blank 1995 Grantor Retained Annuity
Trust (the &#147;Original Note&#148;), and is not intended as a novation or other
compromise of the obligations of Maker to Holder under the Original Note.</p>

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

<p align="left" style="margin:0in 0in .0001pt;text-align:left;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">IN WITNESS WHEREOF, the undersigned Maker has executed this Note on the
date first written above.</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;"><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="43%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:43.56%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="7%" colspan="2" valign="top" style="border:none;border-bottom:solid windowtext .5pt;padding:0in 0in 0in 0in;width:7.86%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">MAKER</font></p>
  </td>
  <td width="48%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:48.58%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">:</font></p>
  </td>
 </tr>
 <tr>
  <td width="43%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:43.56%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="56%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:56.44%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="43%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:43.56%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="56%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:56.44%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">IQI, INC.</font></p>
  </td>
 </tr>
 <tr>
  <td width="43%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:43.56%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="56%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:56.44%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="43%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:43.56%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="56%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:56.44%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="43%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:43.56%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.12%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">By:</font></p>
  </td>
  <td width="34%" colspan="2" valign="top" style="border:none;border-bottom:solid windowtext .5pt;padding:0in 0in 0in 0in;width:34.1%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="18%" valign="top" style="padding:0in 0in 0in 0in;width:18.22%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="43%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:43.56%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="56%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:56.44%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="43%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:43.56%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="56%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:56.44%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="43%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:43.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">The terms and
  conditions<br>
  set forth in this<br>
  Note are acknowledged,<br>
  understood and accepted.</font></p>
  </td>
  <td width="56%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:56.44%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="43%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:43.56%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="56%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:56.44%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="43%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:43.56%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">THE EDWARD BLANK
  1995 GRANTOR<br>
  RETAINED ANNUITY TRUST</font></p>
  </td>
  <td width="56%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:56.44%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="43%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:43.56%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="56%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:56.44%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="3%" valign="top" style="padding:0in 0in 0in 0in;width:3.8%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">By:</font></p>
  </td>
  <td width="31%" valign="top" style="border:none;border-bottom:solid windowtext .5pt;padding:0in 0in 0in 0in;width:31.24%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="8%" valign="top" style="padding:0in 0in 0in 0in;width:8.52%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="56%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:56.44%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
 </tr>
 <tr height="0">
  <td width="27" style="border:none;"></td>
  <td width="225" style="border:none;"></td>
  <td width="61" style="border:none;"></td>
  <td width="30" style="border:none;"></td>
  <td width="27" style="border:none;"></td>
  <td width="219" style="border:none;"></td>
  <td width="131" 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;">10</font></p>


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