RSA 399-B STATEMENT OF FINANCE CHARGES

In connection with the amendment consummated on this ___ day
of  _______________, 2009, by and among TD BANK, N. A., a national banking
association with a business address of 5 Commerce Park North, Bedford, New
Hampshire 03110 (“Bank”) and BRANDPARTNERS GROUP, INC., a Delaware corporation,
and BRANDPARTNERS RETAIL, INC., a New Hampshire corporation, each with executive
offices at 10 Main Street, Rochester, New Hampshire 03839 (collectively, the
“Borrower”), GRAFICO INCORPORATED and BUILDING PARTNERS, INC., each a Delaware
corporation with executive offices at 10 Main Street, Rochester, New Hampshire
03839 (collectively, the “Guarantor”), to that certain Commercial Loan Agreement
dated May 5, 2005, entered into by and between the Borrower, Guarantor, and the
Bank, (as amended, the “Loan Agreement”), the Borrower and Guarantor are hereby
informed and advised pursuant to New Hampshire RSA 399-B that Borrower and
Guarantor shall be liable for and shall pay the following charges on the loans
described below (all capitalized terms not defined herein shall have the
meanings ascribed to them in the Loan Agreement):

1.  Interest.  The Borrower shall pay interest on the outstanding principal
balance of the Revolving Line of Credit Loan in the amount of up to Five Million
Dollars ($5,000,000.00) at a variable annual rate equal to the Prime Rate plus
100 basis points (i.e., 1.0%).  “Prime Rate” means the rate published by The
Wall Street Journal from time to time under the category “Prime Rate:  The Base
Rate on Corporate Loans posted by at least 75% of the Nation's 30 Largest Banks”
(the lowest of the rates so published if more than one rate is published under
this category at any given time) or such other comparable index rate selected by
the Bank in its sole discretion if The Wall Street Journal ceases to publish
such rate.  The Borrower acknowledges that the Prime Rate is used for reference
purposes only as an index and is not necessarily the lowest interest rate
charged by the Bank on commercial loans.  Each time the Prime Rate changes, the
interest rate under the Loans shall change contemporaneously with such change in
the Prime Rate.  Interest is calculated and accrued daily on the basis of a 360
day banking year and payable monthly in arrears.  The Borrower may also elect a
rate of interest to apply to all or a portion of the outstanding principal
balance of the Revolving Line of Credit Loan based upon 30-day LIBOR plus 350
basis points (i.e., 3.50%), all subject to and in accordance with the Loan
Agreement.

2.  Late Charges.  In the event any installment of principal or interest on the
Loans is not paid when due, the Bank may assess a late payment charge of five
percent (5%) of the amount of principal and/or interest which is more than ten
(10) days overdue.

3.  Default Rate.  If an Event of Default occurs under the Loan Agreement and
after maturity, the Borrower shall pay interest on all amounts outstanding under
the Loans at the Prime Rate, plus an additional five and twenty-five one
hundredths percent (5.25%) per annum.

 
 

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4.  Bank Fees.  The Borrower shall pay the Bank the following fees in connection
with the Loans:

Amendment Fee:
$25,000.00
     
Unused Revolving Line of Credit
0.375% per annum of daily average of
Commitment Fee:
unadvanced amounts under Revolving Line
   
of Credit Loan (based upon full availability
   
of $5,000,000.00), determined quarterly and
   
payable in arrears.

5.  LIBOR and Interest Rate Agreement Obligations.  In the event of any
prepayment of any Loans which are subject to a LIBOR based rate of interest, or
which are subject to any agreement pertaining to interest rate swaps, caps,
floors, or hedging transactions, Borrower shall pay Bank all fees, costs,
reimbursements, obligations, and expenses provided under the Loan Agreement and
the other Loan Documents with respect to the same.

6.  Closing Costs and Expenses.  The Borrower shall pay all closing costs
incurred by the Bank in connection with the closing, amendment, or enforcement
of the Loans, including, without limitation, attorneys' fees and costs
(including document preparation costs), recording and filing fees, title
insurance premium, appraisal fees, court costs, sheriffs' fees, audit fees and
any other expenses incurred by the Bank with respect thereto, including, but not
limited to attorneys fees and expenses.

7.   Guarantor Obligations.  Guarantor has unconditionally guaranteed payment to
Bank of all of the obligations of Borrower described above.

The Borrower and Guarantor hereby acknowledge receipt of a copy of this
Statement at or before the loan closing of even date, and confirm that this
transaction is a commercial loan not subject to federal truth-in-lending laws
and regulations, including without limitation, the Real Estate Settlement
Procedures Act and Regulation Z.

 
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[SIGNATURE PAGE FOLLOWS]

Disclosed by Bank and acknowledged by Borrower and Guarantor as of the date
first set forth above.

   
WITNESSES:
BORROWER:
 
BRANDPARTNERS GROUP, INC.
       

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By: ______________________________
 
James Brooks
   
Title: ______________________________ 
         
BRANDPARTNERS RETAIL, INC.
       

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By: _______________________________
 
James Brooks
   
Title: ______________________________ 
         
GUARANTOR:
GRAFICO INCORPORATED
       

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By: _______________________________
 
James Brooks
   
Title: ______________________________ 
       
BUILDING PARTNERS, INC
       

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By: ________________________________
 
James Brooks
   
Title: ______________________________ 

 
 
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