<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="90%" valign="TOP">
<p>&nbsp;</p>
</td>
</tr>
<tr>
<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>
</tr>
<tr>
<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>
</tr>
<tr>
<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>
</tr>
<tr>
<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>
</tbody></table>
<table>
<tbody><tr>
<td>
<p> </p>
</td>
<td>
<p> </p>
</td>
<td>
<p> </p>
</td>
</tr>
<tr>
<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>
</tr>
<tr>
<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>
</tr>
<tr>
<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>
</tr>
<tr>
<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>
</tbody></table>