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    <td style="width: 0.2in; layout-grid-mode: line; text-align: justify">•</td>
    <td style="layout-grid-mode: line; text-align: justify">All outstanding loans will become due on November 23, 2013, provided that following our request, the Bank may in its sole discretion agree to one year extensions of the maturity date;</td></tr>
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    <td>&nbsp;</td>
    <td style="layout-grid-mode: line; text-align: justify">•</td>
    <td style="layout-grid-mode: line; text-align: justify">Interest accrues on outstanding loans at a per annum rate equal to the greater of (i) 4.0%, and (ii) the Bank’s prime rate as from time to time in effect plus one percent;</td></tr>
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    <td>&nbsp;</td>
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    <td style="layout-grid-mode: line; text-align: justify">Aggregate loans outstanding at any time are limited to a borrowing base equal to 80% of our eligible accounts receivable, as determined by the Bank, provided that the advance rate is limited to 50% with respect to accounts receivable from our customers whose receivables constitute more than 50% of our receivables in the aggregate; and</td></tr>
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    <td>&nbsp;</td>
    <td style="layout-grid-mode: line; text-align: justify">•</td>
    <td style="layout-grid-mode: line; text-align: justify">We are required to comply with a number of affirmative, negative and financial covenants. Among other things, these covenants restrict our ability to pay dividends, provide that our debt service coverage ratio (as determined pursuant to the Loan Agreement) cannot be less than 1.25 to 1.0 as of the end of any fiscal year, and require that we have immediately available cash at all times, including borrowings under the Credit Facility, of at least $3 million.&nbsp; We were in compliance with these covenants at December 31, 2012.</td></tr>
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<td> </td>
<td>•</td>
<td>All outstanding loans will become due on November 23, 2013, provided that following our request, the Bank may in its sole discretion agree to one year extensions of the maturity date;</td></tr>
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<td> </td>
<td>•</td>
<td>Interest accrues on outstanding loans at a per annum rate equal to the greater of (i) 4.0%, and (ii) the Bank’s prime rate as from time to time in effect plus one percent;</td></tr>
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<td> </td>
<td>•</td>
<td>Aggregate loans outstanding at any time are limited to a borrowing base equal to 80% of our eligible accounts receivable, as determined by the Bank, provided that the advance rate is limited to 50% with respect to accounts receivable from our customers whose receivables constitute more than 50% of our receivables in the aggregate; and</td></tr>
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<td> </td>
<td>•</td>
<td>We are required to comply with a number of affirmative, negative and financial covenants. Among other things, these covenants restrict our ability to pay dividends, provide that our debt service coverage ratio (as determined pursuant to the Loan Agreement) cannot be less than 1.25 to 1.0 as of the end of any fiscal year, and require that we have immediately available cash at all times, including borrowings under the Credit Facility, of at least $3 million.  We were in compliance with these covenants at December 31, 2012.</td></tr>
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