<table>
<tbody><tr style="font-size:1px">
<td width="5%" valign="TOP">
<p>&nbsp;</p>
</td>
<td width="5%" valign="TOP">
<p>&nbsp;</p>
</td>
<td width="5%" valign="TOP">
<p>&nbsp;</p>
</td>
<td width="85%" valign="TOP">
<p>&nbsp;</p>
</td>
</tr>
<tr>
<td valign="TOP">
<p><font size="1">&nbsp;</font></p>
</td>
<td colspan="3" valign="TOP">
<p><font size="2">Pursuant to the Credit Agreement, among other things: </font></p>
</td>
</tr>
<tr>
<td valign="TOP">
<p><font size="1">&nbsp;</font></p>
</td>
<td valign="TOP">
<p><font size="1">&nbsp;</font></p>
</td>
<td valign="TOP">
<p><font size="1">&nbsp;</font></p>
</td>
<td valign="TOP">
<p><font size="1">&nbsp;</font></p>
</td>
</tr>
<tr>
<td valign="TOP">
<p><font size="1">&nbsp;</font></p>
</td>
<td valign="TOP">
<p><font size="1">&nbsp;</font></p>
</td>
<td valign="TOP">
<p><font size="2">•</font></p>
</td>
<td valign="TOP">
<p><font size="2">All outstanding loans under the Credit Agreement will become due on
 June 30, 2011 (the “Maturity Date”). </font></p>
</td>
</tr>
<tr>
<td valign="TOP">
<p><font size="1">&nbsp;</font></p>
</td>
<td valign="TOP">
<p><font size="1">&nbsp;</font></p>
</td>
<td valign="TOP">
<p><font size="1">&nbsp;</font></p>
</td>
<td valign="TOP">
<p><font size="1">&nbsp;</font></p>
</td>
</tr>
<tr>
<td valign="TOP">
<p><font size="1">&nbsp;</font></p>
</td>
<td valign="TOP">
<p><font size="1">&nbsp;</font></p>
</td>
<td valign="TOP">
<p><font size="2"> •</font></p>
</td>
<td valign="TOP">
<p><font size="2">The Term Loan will be repaid in 12 consecutive quarterly installments
 commencing on September 30, 2008. The first 11 installments will be in the
 amount of $168,750, with a final payment in the amount of $643,750 being due
 on the Maturity Date. </font></p>
</td>
</tr>
<tr>
<td valign="TOP">
<p><font size="1">&nbsp;</font></p>
</td>
<td valign="TOP">
<p><font size="1">&nbsp;</font></p>
</td>
<td valign="TOP">
<p><font size="1">&nbsp;</font></p>
</td>
<td valign="TOP">
<p><font size="1">&nbsp;</font></p>
</td>
</tr>
<tr>
<td valign="TOP">
<p><font size="1">&nbsp;</font></p>
</td>
<td valign="TOP">
<p><font size="1">&nbsp;</font></p>
</td>
<td valign="TOP">
<p><font size="2"> •</font></p>
</td>
<td valign="TOP">
<p><font size="2">Interest accrues on outstanding loans under the Credit Agreement at a
 per annum rate equal to, at the Company’s option, the prime rate (5.0% at
 June 30, 2008) from time to time in effect (but in no event less than the
 Federal Funds Rate plus one-half percent), or a LIBOR rate selected by the
 Company, plus a margin of 2.25%. </font></p>
</td>
</tr>
<tr>
<td valign="TOP">
<p><font size="1">&nbsp;</font></p>
</td>
<td valign="TOP">
<p><font size="1">&nbsp;</font></p>
</td>
<td valign="TOP">
<p><font size="1">&nbsp;</font></p>
</td>
<td valign="TOP">
<p><font size="1">&nbsp;</font></p>
</td>
</tr>
<tr>
<td valign="TOP">
<p><font size="1">&nbsp;</font></p>
</td>
<td valign="TOP">
<p><font size="1">&nbsp;</font></p>
</td>
<td valign="TOP">
<p><font size="2"> •</font></p>
</td>
<td valign="TOP">
<p><font size="2">The Company is required to comply with a number of affirmative,
 negative and financial covenants. Among other things, these covenants
 restrict the Company’s ability to pay dividends, limit annual capital
 expenditures, provide that the Company’s “Consolidated Debt Service Coverage
 Ratio” cannot be less than 1.5 to 1.0 as of the end of any fiscal quarter,
 that its “Consolidated Leverage Ratio” can not exceed 2:25 to 1:00 at the end
 of any fiscal quarter, and that the Company can not incur a “Consolidated Pre-Tax
 Net Loss” in excess of $500,000 in the aggregate in any period of two
 consecutive fiscal quarters. As of June 30, 2008, the Company was in
 compliance with these covenants. </font></p>
</td>
</tr>
<tr>
<td valign="TOP">
<p><font size="1">&nbsp;</font></p>
</td>
<td valign="TOP">
<p><font size="1">&nbsp;</font></p>
</td>
<td valign="TOP">
<p><font size="1">&nbsp;</font></p>
</td>
<td valign="TOP">
<p><font size="1">&nbsp;</font></p>
</td>
</tr>
<tr>
<td valign="TOP">
<p><font size="1">&nbsp;</font></p>
</td>
<td valign="TOP">
<p><font size="1">&nbsp;</font></p>
</td>
<td valign="TOP">
<p><font size="2"> •</font></p>
</td>
<td valign="TOP">
<p><font size="2">If the Company does not comply with the various financial and other
 covenants and requirements of the Credit Agreement, the Lender may, subject
 to various customary cure rights, require the immediate payment of all
 amounts outstanding under the Credit Agreement. </font></p>
</td>
</tr>
</tbody></table>
<table>
<tbody><tr>
<td>
<p> </p>
</td>
<td>
<p> </p>
</td>
<td>
<p> </p>
</td>
<td>
<p> </p>
</td>
</tr>
<tr>
<td>
<p><font> </font></p>
</td>
<td>
<p><font>Pursuant to the Credit Agreement, among other things: </font></p>
</td>
</tr>
<tr>
<td>
<p><font> </font></p>
</td>
<td>
<p><font> </font></p>
</td>
<td>
<p><font> </font></p>
</td>
<td>
<p><font> </font></p>
</td>
</tr>
<tr>
<td>
<p><font> </font></p>
</td>
<td>
<p><font> </font></p>
</td>
<td>
<p><font>•</font></p>
</td>
<td>
<p><font>All outstanding loans under the Credit Agreement will become due on
 June 30, 2011 (the “Maturity Date”). </font></p>
</td>
</tr>
<tr>
<td>
<p><font> </font></p>
</td>
<td>
<p><font> </font></p>
</td>
<td>
<p><font> </font></p>
</td>
<td>
<p><font> </font></p>
</td>
</tr>
<tr>
<td>
<p><font> </font></p>
</td>
<td>
<p><font> </font></p>
</td>
<td>
<p><font> •</font></p>
</td>
<td>
<p><font>The Term Loan will be repaid in 12 consecutive quarterly installments
 commencing on September 30, 2008. The first 11 installments will be in the
 amount of $168,750, with a final payment in the amount of $643,750 being due
 on the Maturity Date. </font></p>
</td>
</tr>
<tr>
<td>
<p><font> </font></p>
</td>
<td>
<p><font> </font></p>
</td>
<td>
<p><font> </font></p>
</td>
<td>
<p><font> </font></p>
</td>
</tr>
<tr>
<td>
<p><font> </font></p>
</td>
<td>
<p><font> </font></p>
</td>
<td>
<p><font> •</font></p>
</td>
<td>
<p><font>Interest accrues on outstanding loans under the Credit Agreement at a
 per annum rate equal to, at the Company’s option, the prime rate (5.0% at
 June 30, 2008) from time to time in effect (but in no event less than the
 Federal Funds Rate plus one-half percent), or a LIBOR rate selected by the
 Company, plus a margin of 2.25%. </font></p>
</td>
</tr>
<tr>
<td>
<p><font> </font></p>
</td>
<td>
<p><font> </font></p>
</td>
<td>
<p><font> </font></p>
</td>
<td>
<p><font> </font></p>
</td>
</tr>
<tr>
<td>
<p><font> </font></p>
</td>
<td>
<p><font> </font></p>
</td>
<td>
<p><font> •</font></p>
</td>
<td>
<p><font>The Company is required to comply with a number of affirmative,
 negative and financial covenants. Among other things, these covenants
 restrict the Company’s ability to pay dividends, limit annual capital
 expenditures, provide that the Company’s “Consolidated Debt Service Coverage
 Ratio” cannot be less than 1.5 to 1.0 as of the end of any fiscal quarter,
 that its “Consolidated Leverage Ratio” can not exceed 2:25 to 1:00 at the end
 of any fiscal quarter, and that the Company can not incur a “Consolidated Pre-Tax
 Net Loss” in excess of $500,000 in the aggregate in any period of two
 consecutive fiscal quarters. As of June 30, 2008, the Company was in
 compliance with these covenants. </font></p>
</td>
</tr>
<tr>
<td>
<p><font> </font></p>
</td>
<td>
<p><font> </font></p>
</td>
<td>
<p><font> </font></p>
</td>
<td>
<p><font> </font></p>
</td>
</tr>
<tr>
<td>
<p><font> </font></p>
</td>
<td>
<p><font> </font></p>
</td>
<td>
<p><font> •</font></p>
</td>
<td>
<p><font>If the Company does not comply with the various financial and other
 covenants and requirements of the Credit Agreement, the Lender may, subject
 to various customary cure rights, require the immediate payment of all
 amounts outstanding under the Credit Agreement. </font></p>
</td>
</tr>
</tbody></table>