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 <p><font size="2" face="symbol">·</font></p>
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 <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 (3.25% at December 31, 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>
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 <p><font size="2" face="symbol">·</font></p>
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 <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.</font></p>
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<p><font>·</font></p>
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<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 (3.25% at December 31, 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>
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<p><font> </font></p>
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<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.</font></p>
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