Exhibit 10.2
 (BANK OF AMERICA LOGO)(LOGO)
 Bridge Loan Agreement
  1. THE LOAN
 1.1 Loan Amount and Purpose
 1.2 Availability Period
 1.3 Repayment Terms
 (a)
    
    The Borrower will pay interest on July 23, 2010 and then on the same day of each month
thereafter until payment in full of any principal outstanding under this Agreement.
 (b)
    
    The Borrower will repay in full any principal, interest or other charges outstanding under
this Agreement no later than the Expiration Date.
 (c)
    
    The Borrower may prepay principal in full or in part at any time without the payment of a
prepayment fee or premium.
 1.4 Interest Rate
 (a)
    
    The interest rate is a rate per year equal to the Banks Prime Rate plus 3.000 percentage
point(s).
 (b)
    
    The Prime Rate is the rate of interest publicly announced from time to time by the Bank as
its Prime Rate. The Prime Rate is set by the Bank based on various factors, including the
Banks costs and desired return, general economic conditions and other factors, and is used as
a reference point for pricing some loans. The Bank may price loans to its customers at, above,
or below the Prime Rate. Any change in the Prime Rate shall take effect at the opening of
business on the day specified in the public announcement of a change in the Banks Prime Rate.




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2. FEES AND EXPENSES
 2.1 Fees
 (a)
    
    Loan Fee. The Borrower agrees to pay a loan fee in the amount of Four Thousand Six
Hundred and 00/100 Dollars ($4,600.00). This fee is due on or before the date the Bridge Loan
is disbursed.
 (b)
    
    Waiver Fee. If the Bank, at its discretion, agrees to waive or amend any terms of
this Agreement, the Borrower will, at the Banks option, pay the Bank a fee for each waiver or
amendment in an amount advised by the Bank at the time the Borrower requests the waiver or
amendment. Nothing in this paragraph shall imply that the Bank is obligated to agree to any
waiver or amendment requested by the Borrower. The Bank may impose additional requirements as
a condition to any waiver or amendment.
 (c)
    
    Late Fee. To the extent permitted by law, the Borrower agrees to pay a late fee in an
amount not to exceed four percent (4%) of any payment that is more than fifteen (15) days
late. The imposition and payment of a late fee shall not constitute a waiver of the Banks
rights with respect to the default.
 2.2 Expenses
 2.3 Reimbursement Costs
 (a)
    
    The Borrower agrees to reimburse the Bank for any expenses it incurs in the preparation of
this Agreement and any agreement or instrument required by this Agreement. Expenses include,
but are not limited to, reasonable attorneys fees, including any allocated costs of the
Banks in-house counsel to the extent permitted by applicable law.
 (b)
    
    The Borrower agrees to reimburse the Bank for the cost of periodic appraisals of the real
property collateral securing the Agreement, at such intervals as the Bank may reasonably
require. The appraisals may be performed by employees of the Bank or by independent
appraisers.
 3. COLLATERAL
 3.1 Real Property
 (a)
    
    All obligations of the Borrower under this Agreement will be secured by a Mortgage (the Real
Estate Security Instrument) executed by the Borrower covering the Property. The Banks lien
created under the Real Estate Security Instrument will be junior to the lien on the Property
which secures the Real Estate Loan provided by the Bank.
 4. DISBURSEMENT AND PAYMENTS
 4.1 Disbursements and Payments
 (a)
    
    Each payment by the Borrower will be made in U.S. Dollars and immediately available funds by
debit to a deposit account, as described in this Agreement or otherwise authorized by the
Borrower. For payments not made by direct debit, payments will be made by mail to the address
shown on the Borrowers statement or at one of the Banks banking centers in the United
States, or by such other method as may be permitted by the Bank.
 (b)
    
    The Bank may honor instructions for advances or repayments given by any one of the
individuals authorized to sign loan agreements on behalf of the Borrower, or any other
individual designated by any one of such authorized signers.
 (c)
    
    For any payment under this Agreement made by debit to a deposit account, the Borrower will
maintain sufficient immediately available funds in the deposit account to cover each debit. If
there are insufficient
immediately available funds in the deposit account on the date the Bank enters any such
debit authorized by this Agreement, the Bank may reverse the debit.
 
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(d)
    
    Each disbursement by the Bank and each payment by the Borrower will be evidenced by records
kept by the Bank. In addition, the Bank may, at its discretion, require the Borrower to sign
one or more promissory notes.
 (e)
    
    Prior to the date each payment of principal and interest and any fees from the Borrower
becomes due (the Due Date), the Bank will mail to the Borrower a statement of the amounts
that will be due on that Due Date (the Billed Amount). The calculations in the bill will be
made on the assumption that no new extensions of credit or payments will be made between the
date of the billing statement and the Due Date, and that there will be no changes in the
applicable interest rate. If the Billed Amount differs from the actual amount due on the Due
Date (the Accrued Amount), the discrepancy will be treated as follows:
 (i)
    
    If the Billed Amount is less than the Accrued Amount, the Billed Amount for the
following Due Date will be increased by the amount of the discrepancy. The Borrower
will not be in default by reason of any such discrepancy.
 (ii)
    
    If the Billed Amount is more than the Accrued Amount, the Billed Amount for the
following Due Date will be decreased by the amount of the discrepancy.
  4.2 Direct Debit with ACH Debit
 (a)
    
    The Borrower agrees that on the Due Date the Bank will debit the deposit account with the
Depository listed below (the Designated Account) owned by the Borrower. A voided copy of a
check on the Designated Account has been, or will be, provided to the Bank.
 
 (b)
    
    Debits made by ACH shall be subject to the operating rules of the National Automated Clearing
House Association, as in effect from time to time.
 (c)
    
    The Borrower may terminate this direct debit arrangement at any time by sending written
notice to the Bank.
 4.3 Banking Day
 4.4 Interest Calculation
 
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4.5 Default Rate
 5. CONDITIONS TO DISBURSEMENT
  5.1 The Real Estate Loan Agreement
 5.2 Guaranties
 5.3 Real Estate Security Instrument
 5.4 Title Insurance
 5.5 SBA Loan Authorization
 5.6 Payment of Fees
 5.7 Real Estate Loan Conditions
 6. REPRESENTATIONS AND WARRANTIES
  7. COVENANTS OF BORROWER
  7.1 Use of Proceeds; Compliance with SBA Loan Authorization
 7.2 Compliance with Real Estate Loan Agreement
 
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8. DEFAULT AND REMEDIES
 8.1 Events of Default
 (a)
    
    Failure to Pay. The Borrower fails to make a payment under this Agreement when due.
 (b)
    
    Default under Real Estate Loan Agreement. Any default occurs under and as defined in
the Real Estate Loan Agreement.
 8.2 Remedies
 9. ENFORCING THIS AGREEMENT; MISCELLANEOUS
 9.1 GAAP
 9.2 Governing Law
 9.3 Successors and Assigns
 9.4 Dispute Resolution Provision
 (a)
    
    This Dispute Resolution Provision concerns the resolution of any controversies or claims
between the parties, whether arising in contract, tort or by statute, including but not
limited to controversies or claims that arise out of or relate to: (i) this agreement
(including any renewals, extensions or modifications); or (ii) any document related to this
agreement (collectively a Claim). For the purposes of this Dispute Resolution Provision
only, the term parties shall include any parent corporation, subsidiary or affiliate of the
Bank involved in the servicing, management or administration of any obligation described or
evidenced by this agreement.
 (b)
    
    At the request of any party to this agreement, any Claim shall be resolved by binding
arbitration in accordance with the Federal Arbitration Act (Title 9, U.S. Code) (the Act).
The Act will apply even though this agreement provides that it is governed by the law of a
specified state.
 (c)
    
    Arbitration proceedings will be determined in accordance with the Act, the then-current rules
and procedures for the arbitration of financial services disputes of the American Arbitration
Association or any successor thereof (AAA), and the terms of this Dispute Resolution
Provision. In the event of any inconsistency, the terms of this Dispute Resolution Provision
shall control. If AAA is unwilling or unable to (i) serve as the provider of arbitration or
(ii) enforce any provision of this arbitration clause, the Bank may designate another
arbitration organization with similar procedures to serve as the provider of arbitration.
 
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(d)
    
    The arbitration shall be administered by AAA and conducted, unless otherwise required by law,
in any U.S. state where real or tangible personal property collateral for this credit is
located or if there is no such collateral, in the state specified in the governing law section
of this agreement. All Claims shall be determined by one arbitrator; however, if Claims exceed
Five Million Dollars ($5,000,000), upon the request of any party, the Claims shall be decided
by three arbitrators. All arbitration hearings shall commence within ninety (90) days of the
demand for arbitration and close within ninety (90) days of commencement and the award of the
arbitrator(s) shall be issued within thirty (30) days of the close of the hearing. However,
the arbitrator(s), upon a showing of good cause, may extend the commencement of the hearing
for up to an additional sixty (60) days. The arbitrator(s) shall provide a concise, written
statement of reasons for the award. The arbitration award may be submitted to any court having
jurisdiction to be confirmed and have judgment entered and enforced.
 (e)
    
    The arbitrator(s) will give effect to statutes of limitation in determining any Claim and may
dismiss the arbitration on the basis that the Claim is barred. For purposes of the application
of any statutes of limitation. the service on AAA under applicable AAA rules of a notice of
Claim is the equivalent of the filing of a lawsuit. Any dispute concerning this arbitration
provision or whether a Claim is arbitrable shall be determined by the arbitrator(s), except as
set forth at subparagraph (h) of this Dispute Resolution Provision. The arbitrator(s) shall
have the power to award legal fees pursuant to the terms of this agreement.
 (f)
    
    This paragraph does not limit the right of any party to: (i) exercise self-help remedies,
such as but not limited to, setoff; (ii) initiate judicial or non-judicial foreclosure against
any real or personal property collateral; (iii) exercise any judicial or power of sale rights,
or (iv) act in a court of law to obtain an interim remedy, such as but not limited to,
injunctive relief, writ of possession or appointment of a receiver, or additional or
supplementary remedies.
 (g)
    
    The filing of a court action is not intended to constitute a waiver of the right of any
party, including the suing party, thereafter to require submittal of the Claim to arbitration.
 (h)
    
    Any arbitration or trial by a judge of any Claim will take place on an individual basis
without resort to any form of class or representative action (the Class Action Waiver).
Regardless of anything else in this Dispute Resolution Provision, the validity and effect of
the Class Action Waiver may be determined only by a court and not by an arbitrator. The
parties to this Agreement acknowledge that the Class Action Waiver is material and essential
to the arbitration of any disputes between the parties and is nonseverable from the agreement
to arbitrate Claims. If the Class Action Waiver is limited, voided or found unenforceable,
then the parties agreement to arbitrate shall be null and void with respect to such
proceeding, subject to the right to appeal the limitation or invalidation of the Class Action
Waiver. The Parties acknowledge and agree that under no circumstances will a class action be
arbitrated.
 (i)
    
    By agreeing to binding arbitration, the parties irrevocably and voluntarily waive any right
they may have to a trial by jury in respect of any Claim. Furthermore, without intending in
any way to limit this agreement to arbitrate, to the extent any Claim is not arbitrated, the
parties irrevocably and voluntarily waive any right they may have to a trial by jury in
respect of such Claim. This waiver of jury trial shall remain in effect even if the Class
Action Waiver is limited, voided or found unenforceable. WHETHER THE CLAIM IS DECIDED BY
ARBITRATION OR BY TRIAL BY A JUDGE, THE PARTIES AGREE AND UNDERSTAND THAT THE EFFECT OF THIS
AGREEMENT IS THAT THEY ARE GIVING UP THE RIGHT TO TRIAL BY JURY TO THE EXTENT PERMITTED BY
LAW.
 9.5 Severability; Waivers
 9.6 Attorneys Fees
 
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9.7 Individual Liability
 9.8 Joint and Several Liability
 9.9 Set-Off
 (a)
    
    In addition to any rights and remedies of the Bank provided by law, upon the occurrence and
during the continuance of any event of default under this Agreement, the Bank is authorized,
at any time, to set off and apply any and all Deposits of the Borrower or any Obligor held by
the Bank against any and all Obligations owing to the Bank. The set-off may be made
irrespective of whether or not the Bank shall have made demand under this Agreement or any
guaranty, and although such Obligations may be contingent or unmatured or denominated in a
currency different from that of the applicable Deposits.
 (b)
    
    The set-off may be made without prior notice to the Borrower or any other party, any such
notice being waived by the Borrower (on its own behalf and on behalf of each Obligor) to the
fullest extent permitted by law. The Bank agrees promptly to notify the Borrower after any
such set-off and application; provided, however, that the failure to give such
notice shall not affect the validity of such set-off and application.
 (c)
    
    For the purposes of this paragraph, Deposits means any deposits (general or special, time
or demand, provisional or final, individual or joint) and any instruments owned by the
Borrower or any Obligor which come into the possession or custody or under the control of the
Bank. Obligations means all obligations, now or hereafter existing, of the Borrower to the
Bank under this Agreement and under any other agreement or instrument executed in connection
with this Agreement, and the obligations to the Bank of any Obligor.
 9.10 One Agreement
 (a)
    
    represent the sum of the understandings and agreements between the Bank and the Borrower
concerning this credit;
 (b)
    
    replace any prior oral or written agreements between the Bank and the Borrower concerning
this credit; and
 (c)
    
    are intended by the Bank and the Borrower as the final, complete and exclusive statement of
the terms agreed to by them.
  9.11 Conflict with SBA Loan Authorization
 
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9.12 Indemnification
 9.13 Notices
 9.14 Headings
 9.15 Counterparts
 9.16 Borrower Information; Reporting to Credit Bureaus
 9.17 Limitation of Interest and Other Charges
 
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Bank:
Bank of America, N.A.By:
    /s/ Wendy L. Strickland-BusbyAuthorized OfficerBorrower:
MCA Enterprises Brandon, Inc.By:
    /s/ T. Michael AnsleyThomas M. Ansley, PresidentBy:
    /s/ Jason CurtisJason Curtis, Secretary Address where notices to the Bank are to
be sent:
    
    Address where notices to the Borrower are to
be sent:Bank of America, N.A.
    
    MCA Enterprises Brandon, Inc.Doc Retention  GCF
    
    21751 W 11 Mile Rd. Ste 208CT2-515-BB-03
    
    Southfield, MI 48076-000070 Batterson Park RoadFarmington, CT 06032
 
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Federal law requires Bank of America, N.A. (the Bank) to provide the following notice. The notice
is not part of the foregoing agreement or instrument and may not be altered. Please read the notice
carefully.
 (1) USA PATRIOT ACT NOTICE
  
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