MEDIA ARTS GROUP INC
EX-10.47
<DOCUMENT>
<TYPE>EX-10.47
<SEQUENCE>3
<FILENAME>j2310_ex10d47.htm
<DESCRIPTION>EX-10.47
<TEXT>
<html>



<head>



<title>Prepared by MERRILL CORPORATION</title>



</head>



<body>



<div class="Section1">



<p align="center" style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';font-weight:bold">MEDIA

ARTS GROUP, INC.</font></font></b></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

font-weight:bold">&nbsp;</font></font></b></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';

font-weight:bold">Exhibit 10.47</font></font></b></p>



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



<p style="font-size:12.0pt;font-weight:bold;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt">AMENDMENT NO. 5 TO

BUSINESS LOAN AGREEMENT</font></font></b></p>



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



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">This Amendment No. 5 to Business Loan Agreement, dated

as of September 30, 2001 (the &quot;Amendment&quot;), is between Media Arts

Group, Inc., a Delaware corporation (&#147;MAGI&#148;), Lightpost Publishing, Inc., a

California corporation (&#147;Lightpost,&#148; and together with MAGI, each a &#147;Borrower&#148;

and collectively the &#147;Borrowers&#148;) and Bank of America, N.A. (the &#147;Bank&#148;).</font></font></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt">&nbsp;</font></font></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">A.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The

Borrowers and the Bank have entered into a certain Business Loan Agreement

dated as of October 27, 1999 as amended to date (the &quot;Loan

Agreement&quot;).</font></font></p>



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



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">B.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The

Borrowers have requested that the Bank amend the Loan Agreement on the terms

and conditions herein contained.</font></font></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt">&nbsp;</font></font></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">NOW, THEREFORE, in consideration of the premises

herein contained and for other good and valuable consideration, the Borrowers

and the Bank do hereby mutually agree as follows:</font></font></p>



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



<p align="center" style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><u><font size="2" face="Times New Roman"><font style="font-size:10.0pt">AGREEMENT</font></font></u></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt">&nbsp;</font></font></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">1.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Definitions</u>.&#160; Capitalized terms used but not defined in

this Amendment shall have the meaning given to them in the Loan Agreement.</font></font></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt">&nbsp;</font></font></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">2.&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Amendment</u>.&#160;&#160; Section 1.2 of the Loan Agreement is

amended by deleting this Section in its entirety, and by substituting the

following therefor:</font></font></p>



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



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:.5in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">&quot;1.2&#160; &#160;&#160;&#160;&#160;&#160;&#160; <u>Availability

Period</u>.&#160; The line of credit is

available between the date of this Agreement and November 30, 2001 (the

&#147;Expiration Date&#148;) unless any Borrower is in default.&quot;</font></font></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt">&nbsp;</font></font></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">3.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Representations

and Warranties</u>.&#160; When the Borrowers

sign this Amendment, each Borrower represents and warrants to the Bank that:

(a) giving effect to this Amendment, there is no event which is, or with notice

of, or lapse of time, or both would be, a default under the Loan Agreement, (b)

giving effect to this Amendment, the representations and warranties of the

Borrowers in the Loan Agreement are true on and as of the date hereof as if

made on and as of said date, (c) this Amendment is within such Borrower's

powers, has been duly authorized and does not conflict with any of such

Borrower's organizational papers, and (d) this Amendment does not conflict with

any law, agreement or obligations by which such Borrower is bound.</font></font></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt">&nbsp;</font></font></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">4.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Conditions</u>.&#160; This Amendment will be effective upon the

occurrence of the following, in each case in a manner satisfactory to the Bank:</font></font></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">&nbsp;</font></font></p>



<p style="font-size:12.0pt;margin-bottom:.0001pt;margin-left:.5in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">4.1&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Receipt by the Bank of this Amendment

executed by each party hereto; and</font></font></p>



<p style="font-size:12.0pt;margin-bottom:.0001pt;margin-left:.5in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">&nbsp;</font></font></p>



<p style="font-size:12.0pt;margin-bottom:.0001pt;margin-left:.5in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">4.2&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Payment by the Borrowers to the Bank

of a fee in the amount of Eight Thousand Three Hundred Thirty Three and 33/100

Dollars ($8,333.33).</font></font></p>



<p style="font-size:12.0pt;margin-bottom:.0001pt;margin-left:.5in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">&nbsp;</font></font></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">5.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Effect

of Amendment</u>.&#160; Except as

specifically amended above, the Loan Agreement shall remain in full force and

effect and is hereby ratified and confirmed.&#160;

Nothing in this Amendment shall be deemed to (a) constitute a waiver of

compliance by any Borrower with respect to any other term, provision or

condition of the Loan Agreement or any other instrument or agreement referred

to therein or (b) prejudice any right or remedy that the Bank may now have or

may have in the future under applicable law or instrument or agreement referred

to therein.</font></font></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt">&nbsp;</font></font></p>



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

'Times New Roman';"><br clear="all" style="page-break-before:always">

</font></font>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">6.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Counterparts</u>.&#160; This Amendment may be executed in any number

of counterparts, each of which when so executed shall be deemed an original,

and all of said counterparts taken together shall be deemed to constitute but

one and the same instrument.</font></font></p>



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



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">IN WITNESS WHEREOF, this Amendment has been executed

by the parties hereto as of the date first above written.</font></font></p>



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



<table width="100%" style="width:100.06%;

 border-collapse:collapse;">

 <tr>

  <td width="34%" colspan="3" valign="top" style="width:34.76%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-weight:bold">BANK

  OF AMERICA, N.A.</font></font></b></p>

  </td>

  <td width="18%" colspan="4" valign="top" style="width:18.94%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;">&nbsp;</p>

  </td>

  <td width="46%" colspan="7" valign="top" style="width:46.3%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-weight:bold">MEDIA

  ARTS GROUP, INC.</font></font></b></p>

  </td>

 </tr>

 <tr>

  <td width="34%" colspan="3" valign="top" style="width:34.76%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;">&nbsp;</p>

  </td>

  <td width="25%" colspan="6" valign="top" style="width:25.4%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;">&nbsp;</p>

  </td>

  <td width="39%" colspan="5" valign="top" style="width:39.84%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;">&nbsp;</p>

  </td>

 </tr>

 <tr>

  <td width="3%" valign="top" style="width:3.78%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">By</font></font></p>

  </td>

  <td width="24%" valign="top" style="width:24.32%;border:none;border-bottom:

  solid windowtext .5pt;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">/s/ Kenneth E. Jones</font></font></p>

  </td>

  <td width="25%" colspan="3" valign="top" style="width:25.48%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;">&nbsp;</p>

  </td>

  <td width="4%" colspan="3" valign="top" style="width:4.74%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">By&#160; </font></font></p>

  </td>

  <td width="25%" colspan="3" valign="top" style="width:25.84%;border:none;

  border-bottom:solid windowtext .5pt;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">/s/ Michael J. Catelani</font></font></p>

  </td>

  <td width="15%" colspan="2" valign="top" style="width:15.76%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;">&nbsp;</p>

  </td>

  <td style="border:none;padding:0in 0in 0in 0in" width="0%"><p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;">&nbsp;</td>

 </tr>

 <tr>

  <td width="3%" valign="top" style="width:3.78%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;">&nbsp;</p>

  </td>

  <td width="49%" colspan="5" valign="top" style="width:49.88%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">Kenneth E. Jones, Senior Vice President</font></font></p>

  </td>

  <td width="8%" colspan="4" valign="top" style="width:8.36%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">Name:</font></font></p>

  </td>

  <td width="38%" colspan="4" valign="top" style="width:38.0%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">Michael J. Catelani</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="53%" colspan="6" valign="top" style="width:53.64%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;">&nbsp;</p>

  </td>

  <td width="8%" colspan="4" valign="top" style="width:8.36%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">Title:</font></font></p>

  </td>

  <td width="38%" colspan="4" valign="top" style="width:38.0%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">VP - Finance</font></font></p>

  </td>

 </tr>

 <tr>

  <td width="53%" colspan="6" valign="top" style="width:53.64%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;">&nbsp;</p>

  </td>

  <td width="8%" colspan="4" valign="top" style="width:8.36%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;">&nbsp;</p>

  </td>

  <td width="38%" colspan="4" valign="top" style="width:38.0%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;">&nbsp;</p>

  </td>

 </tr>

 <tr>

  <td width="3%" valign="top" style="width:3.78%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">By</font></font></p>

  </td>

  <td width="24%" valign="top" style="width:24.3%;border:none;border-bottom:solid windowtext .5pt;

  padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">/s/ John C. Plecque</font></font></p>

  </td>

  <td width="19%" colspan="2" valign="top" style="width:19.14%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;">&nbsp;</p>

  </td>

  <td width="6%" colspan="3" valign="top" style="width:6.48%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;">&nbsp;</p>

  </td>

  <td width="46%" colspan="6" valign="top" style="width:46.2%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-weight:bold">LIGHTPOST

  PUBLISHING, INC.</font></font></b></p>

  </td>

  <td style="border:none;padding:0in 0in 0in 0in" width="0%"><p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;">&nbsp;</td>

 </tr>

 <tr>

  <td width="3%" valign="top" style="width:3.78%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;">&nbsp;</p>

  </td>

  <td width="49%" colspan="5" valign="top" style="width:49.86%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">John C. Plecque, Senior Vice President</font></font></p>

  </td>

  <td width="8%" colspan="4" valign="top" style="width:8.36%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;">&nbsp;</p>

  </td>

  <td width="38%" colspan="4" valign="top" style="width:38.0%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;">&nbsp;</p>

  </td>

 </tr>

 <tr>

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  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;">&nbsp;</p>

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  <td width="8%" colspan="4" valign="top" style="width:8.36%;padding:0in 0in 0in 0in">

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  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">By&#160; </font></font></p>

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  border-bottom:solid windowtext .5pt;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">/s/ Michael J. Catelani</font></font></p>

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  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;">&nbsp;</p>

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  <td width="53%" colspan="6" valign="top" style="width:53.64%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;">&nbsp;</p>

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  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">Name:</font></font></p>

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  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">Michael J. Catelani</font></font></p>

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