|EXHIBIT 10.20


[A REQUEST FOR
CONFIDENTIALITY HAS BEEN MADE. THE INFORMATION DENOTED BY [REDACTED] HAS BEEN OMITTED AND FILED SEPERATELY WITH THE SEC.]



      LOAN AND
        SECURITY AGREEMENT


THIS
LOAN AND SECURITY AGREEMENT (the Agreement) is made as of November 26, 2002,
by and between TRANSAMERICA COMMERCIAL FINANCE CORPORATION(the Lender) and
ZONES, INC.(Borrower).


THE
PARTIES HERETO agree as follows:


ARTICLE ONE.
DEFINITIONS


SECTION
1.1. DEFINED TERMS. In addition to terms defined elsewhere in this Agreement
or any Supplement or Exhibit hereto, when used herein, the following terms shall have the
following meanings:


      [REDACTED]
      
      [REDACTED]
      
      [REDACTED]
      
      [REDACTED]
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | Account
Debtor shall mean individually, and Account Debtors
shall mean collectively, each Person who is or who may become obligated to Borrower under,
with respect to, or on account of an Account Receivable or other Collateral.
| | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | Accounts
Receivable shall mean any and all accounts (as such term is defined in the
UCC) of Borrower and each and every right of Borrower to (A) the payment of money or (B)
the receipt or disbursement of products, goods, services or other valuable consideration,
whether such right now exists or hereafter arises, whether such right arises out of a
sale, lease or other disposition of Inventory, or out of a rendering of services, or out
of a policy of insurance issued or to be issued, or from a secondary obligation or arising
out of the use of a credit or charge card or information contained on or for use with such
card, incurred or to be incurred, or any other transaction or event, whether such right is
created, generated or earned by Borrower or by some other Person who subsequently
transfers its interest to Borrower, whether such right is or is not already earned by
performance, and howsoever such right may be evidenced, together with all other rights and
interests (including all liens and security interests) which Borrower may at any time have
by law or agreement against any Account Debtor or other Person obligated to make any such
payment or against any property of such Account Debtor or other Person.
| | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | ACH
Debit shall mean an Automated Clearing House debit by a Collecting Bank.
| | ------------------------------------------------------------------------------

| | Affiliate
shall mean individually, and Affiliates shall mean collectively, each
Person which, directly or indirectly, owns or controls, on an aggregate basis, at least a
five percent (5%) interest in any other Person, or which is controlled by or is under
common control with any other Person.
| | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | Approval
and Approvals shall have the meanings set forth in Section 2.3(A) of
this Agreement.
| | -------------------------------------------------------------------------------------------------

| | Borrowing
Base shall mean the sum of the following, less any reserves as Lender from
time to time in its commercially reasonable discretion elects (including, but not limited
to, with respect to any Permitted Lien): (A) 80% of Borrowers then existing Eligible
Accounts Receivable; plus (B) 100% of Borrowers then Eligible Vendor Repurchase
Inventory.
| | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|1
|-

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| | Borrowing
Base Certificate shall mean Lenders form of borrowing base
certificate, plus for each (i) Monthly Borrowing Base Certificate, Borrowers
Accounts Receivable aging, accounts payable report, sales report, cash receipt report,
credit and debit journal and inventory report; (ii) Daily Borrowing Base Certificate,
Borrowers cash receipts report setting forth Borrowers cash receipts from the
later of (a) the most recent Daily Borrowing Base Certificate received by Lender; or (b)
the most recent Monthly Borrowing Base Certificate received by Lender.
| | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | Business
Day shall mean any day (other than a Saturday or Sunday) on which the Federal
Reserve Bank of Chicago is open for business.
| | --------------------------------------------------------------------------------------------------------------------------------------

| | Business
Plan shall mean any projected balance sheet and profit and loss statement of
Borrower for the annual period ending on the last day of any of Borrowers fiscal
year, together with appropriate supporting details and a statement of underlying
assumptions, and containing at least an income statement and balance sheet projections,
all prepared under the supervision of Borrowers president and/or chief financial
officer and/or controller.
| | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | Closing
Date shall mean the date upon which all of the terms and conditions of the
Documents have been met or fulfilled to the satisfaction of Lender.
| | --------------------------------------------------------------------------------------------------------------------------------------------------------

| | Code
shall mean the Internal Revenue Code of 1986, as amended from time to time.
| | ----------------------------------------------------------------------------------

| | Collateral
shall mean the following property owned by Borrower, howsoever arising, wherever located
and whether now owned or existing or hereafter existing or acquired:
| | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (A) | all Equipment;
| | --- | --------------

| | (B) | all Accounts Receivable;
| | --- | ------------------------

| | (C) | all Inventory;
| | --- | --------------

| | (D) | any and all monies, reserves, deposits, deposit accounts, securities, cash, cash
                    equivalents, balances, credits, and interest and dividends on any of the above,
                    of or in the name of Borrower, now or hereafter with the Lender or any financial
                    institution under the control of Lender and any and all other property of any
                    kind and description of or in the name of Borrower, now or hereafter, for any
                    reason or purpose whatsoever, in the possession or control of, or in transit to,
                    the Lender or any agent or bailee for the Lender;
| | --- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (E) | all chattel paper, whether tangible or electronic chattel paper, contract
                    rights, letter of credit rights, and instruments including, without limitation,
                    all supporting obligations of any of the foregoing;
| | --- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (F) | all General Intangibles;
| | --- | ------------------------

| | (G) | all investment property;
| | --- | ------------------------

| | (H) | all furniture and fixtures;
| | --- | ---------------------------

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| | (I) | all documents of title and receipts, whether negotiable or non-negotiable,
                    including all goods covered by such documents;
| | --- | ---------------------------------------------------------------------------------------------------------------------------------------------

| | (J) | all books, records and computer records in any way relating to the above
                    property;
| | --- | ------------------------------------------------------------------------------------------------------

| | (K) | any and all substitutions, renewals, improvements, replacements, additions and
                    proceeds of (A) through (J) above, including, without limitation, proceeds of
                    insurance policies.
| | --- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | Notwithstanding
the foregoing, however, the term Collateral shall not include and the security
interests granted to Lender under the Documents shall not extend to any license granted to
Borrower by any Person not an Affiliate of Borrower to the extent that such license or
applicable law prohibits the grant of a security interest by Borrower to Lender of
Borrowers rights as licensee in and to such license (but only to the extent such
prohibition is enforceable under applicable law).
| | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | Collateral
Locations shall mean the locations set forth on Exhibit 1.1-3attached hereto, as amended from time to time upon written notice to Lender, and such
other locations at which Borrower may from time to time temporarily keep, locate or store
Collateral for sales, testing, demonstration or similar purposes.
| | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | Collecting
Bank shall mean individually, and Collecting Banks
shall mean collectively, such banks required and acceptable to Lender to collect and remit
funds in accordance with this Agreement.
| | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | Collection
Accounts shall have the meaning set forth in Section 3.3(A) of this
Agreement.
| | -------------------------------------------------------------------------------------------

| | Confidential
Information shall mean the following which is disclosed by Borrower to Lender
or Lender to Borrower: Information, analyses, reports or other documents regarding Lender
or Borrower, or their respective Affiliates, data, product or service descriptions,
forecasts, business strategies, any of the terms or provisions of any of the Documents,
and other business information in various mediums which Lender or Borrower, as applicable,
considers confidential.
| | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | Current
Ratio shall mean the ratio of a Persons, (A) current assets to (B)
total current consolidated liabilities.
| | ---------------------------------------------------------------------------------------------------------------------

| | Daily
Borrowing Base Certificate shall have the meaning set forth in
Section 5.1(A)(vi) of this Agreement.
| | ------------------------------------------------------------------------------------------------------------

| | Default
Rate shall mean, as of the date of any determination, a rate equal to the
lesser of 4% above the Pre-Default Rate or the highest rate allowed by applicable law.
| | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | Designated
      Vendor shall mean individually, and Designated
      Vendors shall mean collectively, each of the Persons set forth
      on Exhibit 1.1-4 and any other Person designated in writing by Lender
      from time to time and at any time; provided, however, that if at
      any time and from time to time Lender in its commercially reasonable discretion
      may give Borrower written notice that effective upon the day of such notice,
      any then existing Person previously designated as a Designated Vendor no
      longer shall be a deemed to be a Designated Vendor.
| | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | Documents
shall mean this Agreement, and any other instruments or documents required or contemplated
hereunder or thereunder, whether now existing or at any time hereafter arising.
| | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

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| | Eligible
Accounts Receivable shall mean those Accounts Receivable of Borrower
which the Lender deems in its commercially reasonable discretion, to be eligible. Without
limitation of the foregoing, unless otherwise agreed to in writing by the Lender, the
following shall not constitute Eligible Accounts Receivable:
| | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (A) | Accounts Receivable which remain unpaid 90 days after the invoice date of such
                    Accounts Receivable;
| | --- | -----------------------------------------------------------------------------------------------------------------------

| | (B) | all Accounts Receivable owing by a single Account Debtor, including currently
                    scheduled Accounts Receivable, if 20% or more of the balance owing by such
                    Account Debtor to Borrower is more than 90 days after the invoice date of such
                    Accounts Receivable;
| | --- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (C) | Accounts Receivable with respect to which the Account Debtor is Borrower, or a
                    director, officer, employee or Affiliate of Borrower;
| | --- | --------------------------------------------------------------------------------------------------------------------------------------------------------

| | (D) | Accounts Receivable with respect to which the Account Debtor is either (i) not a
                    resident of the United States or Canada or (ii) located outside the United
                    States or Canada unless such Account Receivable is either (a) subject to a
                    letter of credit in form and manner satisfactory to Lender or (b) insured in
                    form and manner satisfactory to Lender;
| | --- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (E) | Accounts Receivable in dispute or with respect to which the Account Debtor has
                    asserted or may assert a counterclaim or has or may have a right of setoff;
| | --- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (F) | Accounts Receivable with respect to which the Lender does not have a first and
                    valid fully perfected security interest;
| | --- | -------------------------------------------------------------------------------------------------------------------------------------------

| | (G) | Accounts Receivable with respect to which the Account Debtor is the subject of a
                    bankruptcy or a similar insolvency proceeding or has made an assignment for the
                    benefit of creditors or whose assets have been conveyed to a receiver or
                    trustee; [REDACTED];
| | --- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (H) | Accounts Receivable with respect to which the Account Debtors obligation
                    to pay is either on a COD basis or is conditional upon the Account
                    Debtors approval or is otherwise subject to any repurchase obligation or
                    return right, as with sales made on a bill-and-hold (not otherwise acknowledged
                    in writing as a true sale by such Account Debtor), guaranteed sale,
                    sale-and-return, sale on approval or consignment basis;
| | --- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (I) | Accounts Receivable with respect to which the Account Debtor is located in a
                    state which requires Borrower, as a precondition to commencing or maintaining an
                    action in the courts of that state, either to (i) receive a certificate of
                    authority to do business and be in good standing in such state, or (ii) file a
                    notice of business activities or similar report with such states taxing
                    authority, unless (a) the Borrower has taken one of the actions described in
                    clauses (i) or (ii), (b) the failure to take one of the actions described in
                    either clause (i) or (ii) may be cured retroactively by the Borrower at its
                    election, or (c) the Borrower has proven to the satisfaction of the Lender that
                    it is exempt from any such requirements under such states laws;
| | --- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (J) | any service charges or interest on any Accounts Receivable;
| | --- | -----------------------------------------------------------

| | (K) | retainage Accounts Receivable;
| | --- | ------------------------------

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| | (L) | any Accounts Receivable which are the subject of any goods which are being
                    financed by any floor plan agreement or indirect financing arrangement done on
                    behalf of Borrowers distributors and/or dealers;
| | --- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (M) | to the extent the Accounts Receivable owing [REDACTED] exceeds in the aggregate
                    40% of all of Borrowers Accounts Receivable, that portion of Accounts
                    Receivable, including currently scheduled Accounts Receivable, owing by such
                    Account Debtor that exceeds 40% of all of Borrowers Accounts Receivable;
| | --- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (N) | to the extent the Accounts Receivable owing [REDACTED] exceeds in the aggregate
                    30% of all of Borrowers Accounts Receivable, that portion of Accounts
                    Receivable, including currently scheduled Accounts Receivable, owing by such
                    Account Debtor that exceeds 30% of all of Borrowers Accounts Receivable;
| | --- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (O) | to the extent the Accounts Receivable owing by a single Account Debtor other
                    than [REDACTED] exceeds in the aggregate 10% of all of Borrowers Accounts
                    Receivable, that portion of Accounts Receivable, including currently scheduled
                    Accounts Receivable, owing by such Account Debtor that exceeds 10% of all of
                    Borrowers Accounts Receivable; and
| | --- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (P) | any Accounts Receivable with respect to goods being sold on a consignment basis.
| | --- | --------------------------------------------------------------------------------

| | Eligible
Inventory shall mean such Inventory of Borrower located on the Collateral
Locations which Lender deems in its commercially reasonable discretion to be eligible.
Without limitation of the foregoing, unless otherwise agreed to by the Lender, the
following shall not constitute Eligible Inventory:
| | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (A) | Inventory which is in transit other than Inventory subject to an Approval;
| | --- | --------------------------------------------------------------------------

| | (B) | Inventory which is not in good and merchantable condition, or not either
                    currently usable or currently salable in the ordinary course of the
                    Borrowers business;
| | --- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (C) | Inventory which is obsolete as determined by Borrower in Borrowers sole
                    discretion;
| | --- | --------------------------------------------------------------------------------------------------------

| | (D) | Inventory which the Lender determines, in the exercise of its commercially
                    reasonable discretion and in accordance with the Lenders customary
                    business practices and in good faith, to be unacceptable due to obsolescence,
                    age, type, category and/or quantity;
| | --- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (E) | Inventory with respect to which the Lender does not have a first and valid fully
                    perfected security interest;
| | --- | ---------------------------------------------------------------------------------------------------------------------------------

| | (F) | Inventory which is stored with on a bailment, consignment, warehouse or similar
                    third party arrangement, unless such bailee, consignee, warehouse Person, or
                    other third party, as applicable, delivers to Lender an agreement in form an
                    substance satisfactory to Lender;
| | --- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (G) | work-in-process inventory;
| | --- | --------------------------

| | (H) | Inventory not located on the Collateral Locations; and
| | --- | ------------------------------------------------------

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| | (I) | demonstration and display Inventory.
| | --- | ------------------------------------

| | Eligible
Vendor Repurchase Inventory shall mean such Eligible Inventory
of Borrower which Lender deems in its commercially reasonable discretion to be eligible
that is subject to a Vendor Repurchase Agreement and is not subject to any Third Party
Financing.
| | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | Equipment
shall mean all machinery and equipment owned by Borrower, wherever located, whether now
owned or hereafter existing or acquired by Borrower, any embedded software thereon, any
additions thereon, accessions thereto or replacements of parts thereof.
| | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | First
Collateral shall mean all of the Collateral other than (i) Inventory
manufactured by IBM on which IBMCC has a first lien position pursuant and subject to the
IBMCC Credit Agreement and the IBMCC Intercreditor Agreement; or (ii) equipment subject to
a lease in favor of Borrower permitted pursuant to this Agreement.
| | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | Fixed
Charge Coverage for any 12 month period shall mean a fraction, (A) the
numerator of which is Borrowers earnings before interest, taxes, depreciation and
amortization in such 12 month period and (B) the denominator of which are the current
portion of long term payments of principal and interest required to be made by Borrower on
all interest bearing indebtedness (including, but not limited to capitalized lease
obligations) in such 12 month period.
| | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | Floor
Plan Arrangement shall mean any Eligible Inventory of any Borrower (A)
which is the subject of a Free Floor Plan Agreement with a Vendor that is in full force
and effect; and (B) for which the invoice has been sent directly to Lender by the vendor
of the Eligible Inventory for payment by Lender directly to such Vendor.
| | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | Free
Floor Plan Agreement shall mean individually and Free
Floor Plan Agreements shall mean collectively, each agreement in form and manner
satisfactory to Lender by and between a Designated Vendor and Lender pursuant to which
such Designated Vendor has made an unqualified agreement to provide free floor planning of
Eligible Inventory for a specified period of time (a Free Floor Plan Period)
to Borrower and such Designated Vendor shall be paying interest to Lender on such Eligible
Inventory during such Free Floor Plan Period.
| | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | Free
Floor Plan Period shall have the meaning set forth in the
definition of Free Floor Plan Agreement.
| | ---------------------------------------------------------------------------------------------------------

| | General
Intangibles shall mean all general intangibles (as such term is defined in
the UCC) owned by Borrower, including, but not limited to payment intangibles, goodwill,
software, trademarks, trade names, licenses, patents, patent applications, copyrights,
inventions, franchises, books and records of Borrower, designs, trade secrets,
registrations, prepaid expenses, all rights to and payments of refunds, overpayments,
rebates and return of monies, including, but not limited to, sales tax refunds, tax
refunds, tax refund claims and rights to and payments of refunds, overpayments or
overfundings under any pension, retirement or profit sharing plans and any guarantee,
security interests or other security held by or granted to Borrower to secure payment by
an Account Debtor of any of the Accounts Receivable.
| | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IBM
shall mean International Business Machines Corporation.

IBMCC
shall mean IBM Credit Corporation.

| | IBMCC
Credit Agreement shall mean that certain Inventory and Working Capital
Agreement by and between IBMCC and Borrower dated November __, 2002, as amended and as may
be further amended from time to time.
| | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

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| | IBMCC
      Credit Financing shall mean that certain financing more
      fully described on Exhibit 1.1-5 attached hereto, as may be
      amended, extended, renewed, supplemented, replaced and /or restated from
      time to time.
| | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | IBMCC
Intercreditor Agreement shall mean that certain intercreditor
agreement by and between Lender and IBMCC in form and manner satisfactory to Lender dated
the date of this Agreement relating to the Liabilities, the IBMCC Liabilities, and the
IBMCC Credit Financing, as may be amended and/or restated from time to time.
| | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | IBMCC
Liabilities shall mean all liabilities, indebtedness and obligations of
Borrower to IBMCC, howsoever created, arising or evidenced, whether now existing or
hereafter arising, whether direct or indirect (including those acquired by assignment),
absolute or contingent, due or to become due, primary or secondary, joint or several,
whether existing or arising through discount, overdraft, purchase, direct loan,
participation, operation of law, written or oral agreement or agreement created by
electronic data interchange including facsimile transmission or otherwise, including, but
not limited to, all liabilities, indebtedness and obligations of Borrower to IBMCC,
whether now existing or hereafter arising, pursuant to any letter of credit, any standby
letter of credit, any floor plan agreement or any agreement, document or instrument and
reasonable outside attorneys and paralegals fees or charges relating to the
preparation of all agreements, documents and instruments and the enforcement of
IBMCCs rights, remedies, powers and security interests under any such agreements,
documents or instruments.
| | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | Insecurity
Date shall mean any date on which Lender gives Borrower an Insecurity Notice
pursuant to Section 7.1(M) of this Agreement.
| | ---------------------------------------------------------------------------------------------------------------------------------------

| | Insecurity
Notice shall have the meaning set forth in Section 7.1(M) of this Agreement.
| | -----------------------------------------------------------------------------------------

| | Inventory
shall mean any and all goods, finished goods, whole goods, materials, raw materials,
work-in-progress, components or supplies, wheresoever located and whether now owned or
hereinafter acquired and owned by Borrower, including, without limitation, goods, finished
goods, whole goods, materials, raw materials, work-in-process, components or supplies in
transit, wheresoever located, whether now owned or hereafter acquired by Borrower, which
are held for demonstration, illustration, sale or lease, furnished under any contract of
service or held as raw materials, work-in-process for manufacturing or processing or
supplies for manufacturing or processing, and all materials used or consumed in the
business of Borrower, and shall include such other property, the sale or disposition of
which has given rise to an Accounts Receivable and which has been returned to or
repossessed or stopped in transit by or on behalf of Borrower, but shall not include
property owned by third parties in the possession of Borrower.
| | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | Inventory
Loan shall mean individually and Inventory Loans
shall mean collectively each Revolving Loan disbursed by Lender directly to Vendors solely
for the acquisition of Inventory subject to an Approval by Borrower from the Vendors.
| | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | Liabilities
shall mean all liabilities, indebtedness and obligations of Borrower to the Lender,
howsoever created, arising or evidenced, whether now existing or hereafter arising,
whether direct or indirect (including those acquired by assignment), absolute or
contingent, due or to become due, primary or secondary, joint or several, whether existing
or arising through discount, overdraft, purchase, direct loan, participation, operation of
law, written or oral agreement, including, but not limited to, all liabilities,
indebtedness and obligations of Borrower to the Lender, whether now existing or hereafter
arising, pursuant to any letter of credit, any standby letter of credit, any floor plan
agreement, indirect financing agreement or any of the Documents and reasonable outside
attorneys and paralegals fees or charges relating to the enforcement of
Lenders rights, remedies, powers and security interests under this Agreement,
including, but not limited to, the enforcement of the Loans.
| | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | Line
of Credit shall have the meaning set forth in Section 2.1 of this
Agreement.
| | -----------------------------------------------------------------------------------

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| | Loan
shall mean individually, and Loans shall mean collectively, each of the
Revolving Loans.
| | -------------------------------------------------------------------------------------------------

| | Lock
Box Accounts shall have the meaning set forth in Section 3.3(A) of
this Agreement.
| | -----------------------------------------------------------------------------------------

| | Lock
Box Agreement and Lock Box Agreements
shall have the meanings set forth in Section 3.3(A) of this Agreement.
| | ---------------------------------------------------------------------------------------------------------------------

[REDACTED]

Maximum
Credit Amount shall mean $30,000,000.00.

| | Monthly
Borrowing Base Certificate shall have the meaning set forth in
Section 5.1(A)(vi) of this Agreement.
| | --------------------------------------------------------------------------------------------------------------

| | Net
Worth shall mean the total amount of issued and outstanding capital stock,
plus paid in capital and retained earnings and less treasury stock.
| | ----------------------------------------------------------------------------------------------------------------------------------------------------

| | Objected
Loan and Objected Loans shall have the meanings set
forth in Section 2.7(A) of this Agreement.
| | -----------------------------------------------------------------------------------------------------------

Permitted
Indebtedness shall mean:

| | (A) | the Liabilities, including the Loans;
| | --- | -------------------------------------

| | (B) | accounts payable arising in the ordinary course of business;
| | --- | ------------------------------------------------------------

| | (C) | the Subordinated Debt;
| | --- | ----------------------

| | (D) | Third Party Financing;
| | --- | ----------------------

| | (E) | intercompany indebtedness between Borrower and any subsidiary in an amount not
                    to exceed $250,000 at any one time;
| | --- | --------------------------------------------------------------------------------------------------------------------------------------

| | (F) | Indebtedness
      existing on the Closing Date more fully described onExhibit 1.1-6
      attached hereto;
| | --- | -----------------------------------------------------------------------------------------------------------

| | (G) | Indebtedness secured by Permitted Liens;
| | --- | ----------------------------------------

| | (H) | Indebtedness arising under currency agreements or interest rate agreements
                    entered into in the ordinary course of business;
| | --- | -----------------------------------------------------------------------------------------------------------------------------------------------

| | (I) | Indebtedness arising from the endorsement of instruments in the ordinary course
                    of business;
| | --- | ----------------------------------------------------------------------------------------------------------------

| | (J) | Other indebtedness in an amount not to exceed $250,000.00 at any one time; and
| | --- | ------------------------------------------------------------------------------

| | (K) | operating leases that are true leases arising in the ordinary course of
                    business;
| | --- | -----------------------------------------------------------------------------------------------------

| | (L) | Extensions, refinancings, modifications, amendments and restatements of any
                    items of Permitted Indebtedness described in (A) through (K) above, provided
                    that the principal amount thereof is not increased or the terms (other than the
                    principal amount) thereof are not modified to impose materially more burdensome
                    terms upon Borrower.
| | --- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

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Permitted
Liens shall mean liens:

| | (A) | for taxes, fees, assessments or other government charges or levies, either not
                    delinquent or being contested in good faith and by appropriate proceedings and
                    for which adequate reserves have been established;
| | --- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (B) | arising in the ordinary course of business for sums not due or sums being
                    contested in good faith and by appropriate proceedings and for which adequate
                    reserves shall have been established and not involving any advances or borrowed
                    money or the deferred purchase price of property or services;
| | --- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (C) | in favor of Lender;
| | --- | -------------------

| | (D) | arising out
      of that certain tax dispute more fully described on Exhibit 1.1-7
      attached hereto;
| | --- | ----------------------------------------------------------------------------------------------------------

| | (E) | on IBM inventory in favor of IBMCC subject to the IBMCC Intercreditor Agreement;
| | --- | --------------------------------------------------------------------------------

| | (F) | securing Third Party Financing other than described in clause (E) above;
| | --- | ------------------------------------------------------------------------

| | (G) | in favor of the holders of the Subordinated Debt that are expressly subordinated
                    to the liens in favor of Lender;
| | --- | -------------------------------------------------------------------------------------------------------------------------------------

| | (H) | existing
      on the Closing Date and more fully described onExhibit 1.1-8 attached
      hereto;
| | --- | --------------------------------------------------------------------------------------------------

| | (I) | in an amount not to exceed $250,000.00 in the aggregate arising from judgments,
                    decrees or attachments which do not constitute, or will with the giving of
                    notice, the passage of time, or both, constitute an Event of Default or arising
                    by operation of law securing claims or demands of material suppliers, mechanics,
                    carriers, warehousemen, landlords and other like Persons imposed without action
                    of such parties or in favor of customs and revenue authorities arising as a
                    matter of law to secure payment of customs duties in connection with the
                    importation of goods in the ordinary course of business or to secure payment of
                    workers compensation, employment insurance, old-age pensions, social
                    security and other like obligations incurred in the ordinary course of business;
| | --- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (J) | on earnest money deposits required under a letter of intent or purchase
                    agreement permitted pursuant to this Agreement;
| | --- | -------------------------------------------------------------------------------------------------------------------------------------------

| | (K) | in favor of other financial institutions arising in connection with
                    Borrowers deposit or investment accounts held at such institutions to
                    secure fees and charges in connection with said accounts;
| | --- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (L) | on insurance proceeds in favor of insurance companies granted solely as security
                    for financed premiums;
| | --- | ---------------------------------------------------------------------------------------------------------------------------

| | (M) | arising from the filing of any financing statement relating to operating leases
                    otherwise permitted hereunder;
| | --- | ----------------------------------------------------------------------------------------------------------------------------------

| | (N) | on cash collateral securing reimbursement obligations under letters of credit;
| | --- | ------------------------------------------------------------------------------

| | (O) | licenses and sublicenses granted in the ordinary course of business;
| | --- | --------------------------------------------------------------------

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| | (P) | Liens incurred in the extension, renewal or refinancing of the indebtedness
                    secured by liens described above, but any extension, renewal or replacement lien
                    must be limited to the property encumbered by the existing lien and the
                    principal amount of the indebtedness may not increase.
| | --- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Permitted
Loans shall mean:

| | (A) | loans, capital contributions, and investments in subsidiaries of Borrower in an
                    amount not to exceed $250,000.00 in any calendar year;
| | --- | ----------------------------------------------------------------------------------------------------------------------------------------------------------

| | (B) | the endorsement, in the ordinary course of collection, of instruments payable to
                    it or to its order or the order of a subsidiary;
| | --- | -----------------------------------------------------------------------------------------------------------------------------------------------------

| | (C) | travel advances and employee relocation loans and other employee loans and
                    advances in the ordinary course of business, and loans to employees, officers or
                    directors relating to the purchase of equity securities of Borrower pursuant to
                    employee stock purchase plan and employee stock option plan agreements approved
                    by Borrowers Board of Directors, and that certain loan to [REDACTED];
| | --- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (D) | notes receivable arising from the conversion of Accounts Receivable arising in
                    the ordinary course of business of, or prepaid royalties, to customers and
                    suppliers who are not Affiliates, in the ordinary course of business; and
| | --- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (E) | loans or investments in customers, vendors, suppliers and other Persons in the
                    same industries as Borrower and its Affiliates, in an aggregate amount not to
                    exceed $50,000.00 per year.
| | --- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | Person
shall mean individually, and Persons shall mean collectively, any
individual, sole proprietorship, partnership, joint venture, trust, unincorporated
organization, association, corporation, institution, entity, party or government (whether
national, federal, state, county, city, municipal or otherwise including, without
limitation, any instrumentality, division, agency, body or department thereof).
| | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | Pre-Default
Rate shall mean, as of the date of any determination, the per annum rate
equal to from time to time of the Prime Rate, plus 1⁄2%.
| | ---------------------------------------------------------------------------------------------------------------------------------------------

| | Prime
      Rate shall mean, as of the date of any determination, the greater
      of (A) the highest prime rate published in the Money Rates
      column of the The Wall Street Journal on the first business day of
      the month; or (B) 4.25%. In the event The Wall Street Journal shall,
      for any reason, fail or cease to publish the prime rate of interest, Lender
      shall choose a comparable publication to use as the basis for the prime
      rate of interest. The Prime Rate is the interest rate charged by the Lender
      on commercial loans to a substantial number of the Lenders good business
      customers, but it is not necessarily the Lenders lowest interest rate
      charged to any customer. The Prime Rate is subject to change by the Lender
      without notice of any kind.
| | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | Revolving
Loan and Revolving Loans shall have the meanings
set forth in Section 2.1 of this Agreement.
| | ----------------------------------------------------------------------------------------------------------

SEC
shall mean the United States Securities and Exchange Commission.

[REDACTED]

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|[REDACTED]
      
      [REDACTED]
      
      [REDACTED]
|----------------------------------------------------------

| | Subordinated
Debt shall mean indebtedness due and owing by Borrower to any Person (whether
such indebtedness shall be now existing or hereinafter arising) which is permitted to
exist pursuant to this Agreement and is subordinated to the Liabilities, all as evidenced
by the agreements, documents and instruments attached to the Subordination Agreements.
| | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | Subordination
Agreement shall mean individually, and Subordination
Agreements shall mean collectively, each agreement given to the Lender from
time to time by any Person with respect to the Subordinated Debt, all in the form and
manner satisfactory to Lender.
| | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | Tangible
Net Worth shall mean as of any date the sum of Borrowers (A) net
worth as reflected on its last twelve-month consolidated fiscal financial statements, (B)
net earnings since the end of such fiscal year, both after provision for taxes and with
Inventory determined on a first in, first out basis and (C) Subordinated Debt, less the
sum of Borrowers (i) intangible assets, including, without limitation, deposits,
unamortized leasehold improvements, good will, franchises, licenses, patents, trade names,
copyrights, service marks, brand names, covenants not to compete and any other asset which
would be treated as an intangible under generally accepted accounting principles; (ii)
prepaid expenses (however such item shall not include prepaid inventory); (iii) franchise
fees; (iv) notes, Accounts Receivable and other amounts owed to it by any guarantor of any
of the Liabilities, Affiliate or employee of Borrower; (v) losses since the end of such
fiscal year; and (vi) interest in the cash surrender value of officers or
shareholders life insurance policies.
| | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | Termination
Date shall mean the date 2 years from the date of this Agreement.
| | -------------------------------------------------------------------------------

| | Third
Party Financing shall mean (A) indebtedness to IBMCC pursuant to the
IBMCC Credit Agreement incurred to finance the acquisition of inventory manufactured by
IBM; and (B) such other indebtedness consented to in writing by Lender due from time to
time by Borrower to any and all Persons solely relating to the financing of any assets and
related soft costs of Borrower.
| | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | Third
Party Waiver and Third Party Waivers
shall have the meaning set forth in Section 3.5 of this Agreement.
| | -----------------------------------------------------------------------------------------------------------------

| | Transaction
Statement shall mean a statement which at Lenders option may be issued
by Lender to Borrower from time to time which identifies the Inventory and Accounts
Receivable financed and/or the Loans made and the terms and conditions of repayment
therefor.
| | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | UCC
shall mean the Uniform Commercial Code as enacted and amended in the State of Illinois,
and as may be further amended from time to time.
| | ----------------------------------------------------------------------------------------------------------------------------------------------

| | Vendor
shall mean individually, and Vendors shall mean collectively, each
vendor of new, unused Inventory to a Person, including, but not limited to, Borrower.
| | -------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | Vendor
Accounts Receivable shall mean Accounts Receivable from a Vendor
arising from rebates, amounts owing under contracts for the sale of inventory by such
Vendor to Borrower and offsets of advertising expenses incurred by Borrower to promote the
sale of Borrowers Inventory. Without limitation of the foregoing, Vendor Accounts
Receivable shall not include Accounts Receivable arising from the sale of inventory by
Borrower to such Vendor.
| | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

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| | Vendor
Repurchase Agreement shall mean individually and Vendor
Repurchase Agreements shall mean collectively, each agreement in form
and manner satisfactory to Lender by and between the Vendor of any Inventory and Lender
pursuant to which such Vendor has made an unqualified agreement to repurchase such
Inventory from Lender.
| | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | Weekly
Borrowing Base Certificate shall have the meaning set forth in
Section 5.1(A)(vi) of this Agreement.
| | -------------------------------------------------------------------------------------------------------------

| | Working
Capital Loan shall mean individually and Working
Capital Loans shall mean collectively, each Revolving Loan other than
an Inventory Loan made to Borrower for working capital purposes.
| | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|SECTION
1.2. OTHER TERMS. Accounting terms used in this Agreement which are not
specifically defined shall have the meanings customarily given them in accordance with
generally accepted accounting principles in effect from time to time. Terms used in this
Agreement which are defined in the UCC, shall, unless the context indicates otherwise or
are otherwise defined in this Agreement, have the meanings provided for by the UCC.


ARTICLE TWO. LOANS


SECTION
2.1. LOAN AMOUNT. Subject to the terms and conditions of this Agreement, on
the Closing Date, the Lender agrees:


     (A)       
to make loans in the aggregate to the Borrower on a revolving basis (such loans
being herein called individually a Revolving Loan and collectively
the Revolving Loans) from time to time in such amounts as the
Borrower may from time to time request plus have outstanding Approvals from time
to time up to the lesser of (i) the Maximum Credit Amount; or (ii) the Borrowing
Base (the lesser of (i) or (ii) shall be referred to as the Line of
Credit) at any time; provided, however,that (1) Eligible Inventory shall
be valued at the lower of cost or market value using the first in, first out
method of inventory accounting; and (2) each borrowing by Borrower hereunder
with respect to any Revolving Loan shall be in the aggregate principal amount of
at least $5,000.00; and (3) repayments from time to time of the Line of Credit
shall be available to be reborrowed pursuant to the terms and conditions of this
Agreement; and (4) if the Revolving Loans plus outstanding Approvals outstanding
at any time or from time to time exceeds the advance limitations described
above, Borrower shall pay (I) within three (3) Business Days if Lender modifies
the Borrowing Base and/or what constitutes Eligible Accounts Receivable,
Eligible Inventory and/or Eligible Vendor Repurchase Inventory in a manner that
reduces Borrowers availability under the Borrowing Base; or (II) in all
circumstances other than described in subclause (I) of this clause (4) on demand
to the Lender such amount necessary to eliminate such excess; and (5) the
Lenders commitment to make Revolving Loans and issue Approvals shall
remain in effect for a period to and including the Termination Date; and (6)
notwithstanding anything else contained in this Agreement, (I) subject to the
proviso at the end of this subclause (I), upon the occurrence and continuance of
any Event of Default or any event which would, with the giving of notice, the
passage of time, or both, result in an Event of Default, and in every such
event, the Lender may, in its commercially reasonable discretion, immediately
cease to make Revolving Loans and issue Approvals; provided, further, that so
long as the only Event of Default that exists or would exist with the giving of
notice, the passage of time, or both, is the Event of Default set forth in
Section 7.1(M) of this Agreement, for a period of thirty (30) days commencing
with any Insecurity Date, Lender shall, subject to the terms and provisions of
this Agreement, continue to make Revolving Loans and issue Approvals in an
amount not to exceed the lesser of (x) the amount of all Revolving Loans plus
outstanding Approvals on such Insecurity Date; or (y) the Borrowing Base; and
(II) Borrower shall repay to the Lender on the Termination Date all Revolving
Loans, plus the amount of all outstanding Approvals, plus interest accrued to
the date of payment.


SECTION
2.2. USE OF LOAN PROCEEDS. The proceeds of any
borrowing by the Borrower pursuant to the Revolving Loans shall be used by the Borrower
solely for refinancing existing indebtedness of the Borrower, providing working capital
for Borrower and paying for operating expenses and the fees, costs and expenses of the
Lender as provided for in this Agreement.
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|SECTION
2.3. REQUESTS FOR REVOLVING LOANS.


     (A)       
          Lender, in its commercially reasonable discretion, may issue approvals
          (individually an Approval and collectively, the
          Approvals) upon receipt of a request (orally or in writing) from a
          Vendor requesting Lenders confirmation that it will finance the
          acquisition by Borrower of Inventory held for shipment, or shipped, to Borrower.
          Partial shipments may be made against any Approval and Lender may honor the
          related invoice without inquiry, regardless of any apparent disproportion
          between (i) the quantity shipped and the amount of the related invoice; or (ii)
          the amount of the Approval and the quantity to be shipped under the Approval.
          Until terminated or revoked, an Approval shall be deemed outstanding to the
          extent of its face amount less the amount of Revolving Loans made with respect
          to such Approval.


     (B)       
          Lender shall not be responsible for, and Borrowers obligations to Lender
          shall not be affected by any of the following with respect to any Approval: (i)
          performance or non-performance by any Person other than Lender of its
          obligations to Borrower; (ii) the form, sufficiency, correctness, genuineness,
          authority of any Person signing, falsification or legal effect of any documents
          called for under any Approval if such document on their face appear to be in
          order; (iii) acts or omissions of any Person other than Lender; (iv) the
          existence, nature, quality, quantity, condition, value or delivery of Inventory
          represented by documents presented to Lender, or any difference of Inventory
          from Inventory represented by documents presented to Lender; (v) the validity,
          sufficiency, genuineness or collectibility of any documents, insurance or
          instruments, or endorsements thereof; (vi) any irregularity in connection with
          shipment; (vii) breach of agreement between Borrower and a Vendor or any other
          Person; (viii) without limiting the foregoing, any act or omission of Lender not
          done or omitted in bad faith. In the event that Borrower has a dispute with a
          Vendor relating to the foregoing, Lender shall provide such documents in
          Lenders possession reasonably requested by Borrower relating to such
          dispute. Borrower shall indemnify Lender against any and all claims, losses,
          liabilities, costs and expenses (including, but not limited to, reasonable
          attorneys fees) resulting from or incurred in connection with an Approval
          and not directly caused by Lenders gross negligence or willful misconduct.
          Lender may not enter into any settlement or other compromise with respect to any
          claim covered by the indemnity set forth in this Section without Borrowers
          prior written consent, which consent shall not be unreasonably withheld,
          conditioned, or delayed. If Lender obtains recovery of any of the amounts that
          Borrower has paid to it pursuant to the indemnity set forth in this section,
          then Lender shall promptly pay to Borrower or offset against amounts due and
          owing Lender by Borrower the amount of such recovery


     (C)       
          After Lender has issued an Approval, Lender shall be deemed to have made an
          Inventory Loan to Borrower under Section 2.1(A) of this Agreement as of the ship
          date specified in the invoice relating to such Approval or such earlier date as
          Lender shall enter such Revolving Loan as a receivable on Lenders books.
          Lender may disburse any such Inventory Loan directly to a Vendor, except that
          Lender may set off any amount owed to Lender by such Vendor.


     (D)       
          Lender may refuse to issue an Approval or may revoke an Approval at any time in
          its commercially reasonable discretion and effective immediately upon such
          revocation, Lender shall no longer be deemed to have made an Inventory Loan (to
          the extent an Inventory Loan has been made) and Borrower shall repay any such
          Inventory Loan immediately upon such revocation. Borrower shall be obligated for
          all obligations incurred by Lender on account of the issuance of any Approval.
          Without limiting the foregoing, Borrower acknowledges that Lender customarily
          revokes Approvals approximately 30 days after issuance if Lender has not
          received an invoice from the applicable Vendor relating thereto, although it is
          not obligated to do so.
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|(E)       
          Each request by the Borrower for any Revolving Loan under the Line of Credit
          other than Inventory Loans pursuant to Approvals shall be (A) made in writing,
          or by telephone and if by telephone, shall be promptly confirmed in writing; and
          (B) accompanied by a Borrowing Base Certificate, and shall be signed by the
          president or chief financial officer or controller of Borrower. Each Working
          Capital Loan shall be sent by Federal Reserve wire transfer as directed by
          Borrower in writing. Lender shall not be required to make more than one Working
          Capital Loan to Borrower on any day. The date and amount of each Revolving Loan
          made by the Lender and of each repayment of principal thereon received by the
          Lender shall be recorded by the Lender in the records of the Lender and the
          aggregate unpaid principal amount shown on such records shall be rebuttable,
          presumptive evidence of the principal owing and unpaid on the Revolving Loans.
          The failure to record any such amount on such records shall not, however, limit
          or otherwise affect the obligations of the Borrower to repay the principal
          amount of the Revolving Loans together with all interest accruing thereon.


SECTION
2.4. INTEREST. The outstanding principal balance of the Loans and the other
obligations hereunder shall bear interest before the occurrence of an Event of Default on
the average daily outstanding balance thereof not subject to a Floor Plan Arrangement at
the Pre-Default Rate. Interest will be calculated for the actual number of days elapsed on
the basis of a year consisting of 360 days. Interest will accrue from the date a Loan is
made or other obligation is incurred. Interest accruing on Loans and other obligations
hereunder prior to an Event of Default shall be due and payable by Borrowers monthly in
arrears for each month immediately upon receipt of a billing statement from Lender for
such month; provided, however,that Borrower agrees that Lender may provide for the
payment of any accrued interest hereunder by making a Revolving Loan on the first day of
any month for the prior months accrued interest. Upon the occurrence of an Event of
Default and for so long as such Event of Default continues, such interest shall accrue at
the Default Rate and shall be payable upon demand.


SECTION
2.5. PAYMENTS AND COLLECTIONS.


     (A)       
          General. All payments hereunder shall be made, without setoff or
          counterclaim, to Lender prior to 3:00 P.M., Chicago time, on the date due at its
          office in immediately available funds at Chicago, Illinois or at such other
          place as may be designated by Lender to Borrower in writing. Any payments
          received after such time shall be deemed received on the next Business Day.
          Whenever any payment shall be stated to be due on a date other than a Business
          Day, such payment may be made on the next succeeding Business Day, and such
          extension of time shall be included in the computation of interest, fees and
          charges. Notwithstanding anything to the contrary herein, all items of payment
          for purposes of (i) determining the occurrence of an Event of Default shall be
          deemed received upon actual receipt by Lender at its bank, The Northern Trust
          Bank, Chicago, Illinois or such bank as Lender may use as its depository bank
          from time to time, unless subsequently dishonored for any reason; (ii)
          calculating the Borrowing Base shall be applied by Lender against the principal
          of and/or interest on any Loans on the Business Day deemed received pursuant to
          this Section by Lender at its bank, The Northern Trust Bank, Chicago, Illinois
          or such bank as Lender may use as its depository bank from time to time; and
          (iii) calculating interest shall be deemed to have been applied by Lender
          against the principal of and/or interest on any Loan on the Business Day
          received by Lender, whether such payment is by check, wire, ACH debit or other
          means. Lender may at any time in its commercially reasonable discretion change
          the time for payment of future Loans or change product lines of Inventory to be
          financed and the terms of such financing by giving Borrower a written notice
          specifying such change.


     (B)       
          Special Draws of the Line of
          Credit. Lender is hereby authorized to make a Revolving Loan with the
          proceeds disbursed directly to Lender to make any required payments of
          principal, interest, fees and/or costs due and owing by Borrower pursuant to the
          Documents. Lender shall give Borrower written notice of any such Revolving Loan
          pursuant to this clause contemporaneously with the making of such Revolving
          Loan.


SECTION 2.6 SPECIAL
LINE OF CREDIT FEES.


     (A)       
Commitment Fees.In consideration of the commitment by Lender to
make the Line of Credit available to Borrower, Borrower shall pay to Lender on
any date on which interest is due and payable each month pursuant to this
Agreement a fee equal to [REDACTED] of the Maximum Credit Amount divided by 12;
provided, however, that if Lender eliminates in any month all [REDACTED],
then no payment pursuant to this clause (A) shall be due by Borrower
in the following month provided, further, that if any [REDACTED]
is reinstated, then such fees pursuant to this clause (A) shall be due and owing
by Borrower for any month following such reinstatement.
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|(B)       
Early Termination.If the Borrower voluntarily terminates the Line
of Credit, contemporaneously with such termination, Borrower shall pay Lender an
amount equal to (i) 1⁄2% of the Maximum Credit Amount if such termination
occurs on or before the first anniversary of the Closing Date; and (ii)
1⁄4% of the Maximum Credit Amount if such termination occurs after the
first anniversary of the Closing Date but before the Termination Date; provided,
however,that notwithstanding any other provisions of this Agreement to the
contrary, if Lender (a) reduces the [REDACTED] and/or the [REDACTED] for any Designated
Vendor by at least 10%; or (b) modifies at any time or over time the Borrowing Base
and/or the what constitutes Eligible Accounts Receivable, Eligible Inventory and/or
Eligible Vendor Repurchase Inventory in a manner that reduces Borrowers availability under the
Borrowing Base to be greater than $10,000,000.00 at such time, then Borrower
shall have the right to terminate the Line of Credit within 60 days of the date
of such reduction or modification, as applicable, by giving Lender 60 days
notice of such termination and in such event and only in such event Borrower
shall not be required to pay the termination fee outlined above upon such
termination by Borrower.
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|SECTION
        2.7. STATEMENTS.


     (A)       
          Acceptance. Borrower agrees to pay the Loans and interest on the Loans in
          accordance with this Agreement and the other Documents. Borrower agrees that the
          terms and conditions stated in each Transaction Statement shall be accepted as
          to the Loans identified therein if not objected to in writing by Borrower within
          60 days after the date such statement is sent to Borrower. If Borrower objects
          to any specific Loans (individually, an Objected Loan and
          collectively, the Objected Loans), then where applicable the
          Objected Loans shall be subject to the terms and conditions of the most recently
          accepted Transaction Statement related to Loans covering the same model of
          Inventory or Accounts Receivable financed, as applicable. If there is no such
          previously accepted Transaction Statement relating to the Objected Loans,
          Borrower agrees that, in addition to any other right or remedy Lender may have
          under the Documents, the Objected Loans related to the objected Transaction
          Statement shall, notwithstanding any other provision of the Documents, be due
          and payable within 90 days after the date of such Objected Loans and interest
          shall accrue at the interest rate in effect pursuant to the Documents.


     (B)       
          Adjustment. Any statement with respect to any Liabilities sent to
          Borrower by Lender, including without limitation any Transaction Statement,
          shall be subject to subsequent adjustment by Lender but shall be presumed
          accurate evidence of Liabilities and information covered thereby, unless Lender
          shall have received written notice from Borrower specifying any error within 60
          days after the date of such statement is sent to Borrower. Notwithstanding such
          notice by Borrower to Lender, Borrowers obligation to make payments to
          Lender with respect to such statement shall not be waived or extended unless and
          until Lender consents in writing to such waiver or extension.


     (C)       
          Savings Provisions. All agreements between Lender and Borrower,
          whether now existing or hereafter arising, and whether written or oral, are
          hereby limited by this Section. In no contingency, whether by reason of
          acceleration or the maturity of the amounts due hereunder or otherwise, shall
          interest contracted for, charged, received, paid or agreed to be paid to Lender
          exceed the maximum amount permissible under applicable law. If, from any
          circumstance whatsoever, interest would otherwise be payable to Lender in excess
          of the maximum lawful amount, the interest shall be reduced to the maximum
          amount permitted under applicable law; and if, from any circumstance, Lender
          shall have received anything of value deemed interest by applicable law, in
          excess of the maximum lawful amount, an amount equal to any excess of interest
          shall be applied to the reduction of the principal amount of Liabilities to
          Lender and not to the payment of interest, or if such excess interest exceeds
          the unpaid balance of the principal amount of Liabilities to Lender, such excess
          shall be refunded to Borrower. All interest paid or agreed to be paid to Lender,
          to the extent permitted by applicable law, shall be amortized, prorated,
          allocated and spread throughout the full term of this Agreement until payment in
          full of all principal obligations owing by Borrower so that interest for such
          full term shall not exceed the maximum amount permitted by applicable law. All
          indemnification and reimbursement obligations of Borrower under the Documents
          shall survive the termination of this Agreement, the indefeasible full payment
          and satisfaction of all of the Liabilities relating to the Loans and Approvals
          and the release of the Collateral.


      SECTION
        2.8. TERMS AND TERMINATION. The term of this
        Agreement, unless sooner terminated as provided in this Agreement, shall
        be until the Termination Date;provided, however, that Lender may
        terminate this Agreement (i) immediately by written notice to Borrower
        in whole or only with respect to certain Inventory if Borrower shall lose
        or relinquish any right to sell or deal in any product line of Inventory,
        or if Borrower fails to pay any of the Objected Loans due to an objection
        to the terms of any Transaction Statement and Lender determines on a commercially
        reasonable basis that the Transaction Statement does not contain a bona
        fide error, or (ii) at any time by at least 60 days prior written notice
        to Borrower, and Borrower may terminate this Agreement at any time by
        at least 60 days prior written notice to Lender. Upon termination of this
        Agreement, all Liabilities to Lender (or, if this Agreement is terminated
        only with respect to certain Inventory, Liabilities to Lender relative
        to such Inventory) shall become immediately due and payable without notice
        or demand. Upon any termination, Borrower shall remain liable to Lender
        for all Liabilities to Lender, including without limitation interest,
        fees, charges and expenses arising prior to or after the effective date
        of termination, and all of Lenders rights and remedies and its security
        interest shall continue until all Liabilities to Lender are paid and all
        obligations of Borrower are performed in full (other than contingent indemnification
        obligations), at which time Lender will release its liens and security
        interests in the Collateral. No provision of this Agreement shall be construed
        to obligate Lender to make any Loans at any time any Event of Default
        exists or will exist with the giving of notice, the passage of time, or
        both.
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|SECTION 2.9. [REDACTED]


     (A)       
          [REDACTED]


     (B)       
          [REDACTED]


     (C)       
          [REDACTED]


     (D)       
          [REDACTED]


     (E)       
          [REDACTED]


ARTICLE THREE.
COLLATERAL


SECTION
3.1. SECURITY INTERESTS. To secure payment of the Liabilities, Borrower
hereby irrevocably pledges, assigns, transfers, conveys and sets over to the Lender and
hereby grants to the Lender a security interest in and to the Collateral, howsoever
arising, wherever located and whether now owned or existing or hereafter existing or
acquired. Lender shall at all times have a first and paramount security interest in and to
the First Collateral.


SECTION
3.2. PERFECTION, AUTHORIZATION AND FILING REQUIREMENTS.Borrower shall perform any and all acts reasonably requested by the Lender to
establish, maintain and continue the Lenders security interests and liens in the
Collateral, including but not limited to, executing financing statements and such other
instruments and documents when and as reasonably requested by the Lender. Borrower hereby
authorizes Lender through any of Lenders employees, agents or attorneys to file any
and all financing statements, including, without limitation, any continuations, transfers
or amendments thereof required to perfect Lenders security interest and liens in the
Collateral under the UCC without authentication or execution by Borrower.


SECTION
3.3. COLLECTION OF ACCOUNTS RECEIVABLE.
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (A) | Borrower
      shall establish lock box accounts (Lock Box Accounts) with such
      Collecting Banks acceptable to Lender to which all Account Debtors shall
      directly remit all payments on Accounts Receivable and in which Borrower
      will immediately deposit, in kind, all cash and other payments made for
      Inventory and all other Proceeds of Collateral;provided, however,
      t hat (i) as of the Closing Date and until such time that availability under
      the Borrowing Base is less than $5,000,000.00 and/or any Event of Default
      exists or will exist with the giving of notice, the passage of time, or
      both, the Vendor Accounts Receivable may be paid directly to Borrower and
      deposited by Borrower directly into Borrowers operating accounts;
      and (ii) if at any time or from time to time availability under the Borrowing
      Base is less than $5,000,000.00 and/or any Event of Default exists or will
      exist with the giving of notice, the passage of time, or both, then the
      Vendor Accounts Receivable shall thereafter be remitted by the Account Debtors
      directly into the Lock Box Accounts and if payments of the Vendor Accounts
      Receivable are received directly by Borrower, deposited, in kind, by Borrower
      into the Lock Box Accounts. The Collecting Banks shall acknowledge and agree,
      in a manner satisfactory to Lender, that: all payments made to Lock Box
      Accounts are the sole and exclusive property of Lender; they have no right
      to setoff against Lock Box Accounts; and they will transfer (a) by wire
      transfer of immediately available funds (b) by acceptance of an ACH Debit
      or (c) by any other method, immediately available funds in a manner satisfactory
      to Lender, funds deposited into Lock Box Accounts (collectively, the Collection
      Accounts) to Borrower if clause (I) below applies and to Lender if
      clause (II) below applies on a daily basis in such bank and account as Borrower,
      if clause (I) below applies, and Lender, if clause (II) below applies, shall
      designate or, in the case of an ACH Debit, as presented for acceptance.
      All payments made to the Collection Accounts or otherwise received by the
      Collecting Banks or Lender, whether on the Accounts Receivable or as Proceeds
      of other Collateral or otherwise, shall be under the sole dominion and control
      of (I) Borrower, if both (x) availability under the Borrowing Base is greater
      than or equal to $5,000,000.00 and (y) no Event of Default exists or will
      exist with the giving of notice, the passage of time, or both; or (II) Lender,
      if availability under the Borrowing Base is less than $5,000,000.00 and/or
      any Event of Default exists or will exist with the giving of notice, the
      passage of time, or both. Following any time or from time to time clause
      (II) applies and until such times Lender shall thereafter otherwise direct
      the Collecting Banks in writing, all payments made to the Collection Accounts
      or otherwise received by the Collecting Banks or Lender, whether on the
      Accounts Receivable or as Proceeds of other Collateral or otherwise, will
      be applied on account of Liabilities as Lender shall determine in its commercially
      reasonable discretion as provided herein. Borrower and its Affiliates shall
      receive, as trustee for Lender, any monies, checks, notes, drafts or any
      other payments relating to and/or Proceeds of Accounts Receivable or other
      Collateral which come into the possession or under the control of Borrower
      or Affiliates and immediately remit, or cause to be remitted, the same in
      kind to Lender at Lenders office set forth above. Borrower shall pay
      Lender any and all fees, costs and expense which Lender incurs in connection
      with Collection Accounts and with collecting any check or item of payment
      received and/or delivered to any Collecting Bank or Lender on account of
      Liabilities to Lender. Borrower shall reimburse Lender for (1) any loss,
      cost or damages resulting from claims asserted by the Collecting Banks in
      connection with Collection Accounts or any returned or uncollected checks
      or other items received by the Collecting Banks (unless such loss is attributable
      to Lenders gross negligence or willful misconduct) and (2) any amount
      paid to any Collecting Bank arising out of Lenders indemnification
      of such Collecting Banks relating to a Collection Account. Borrower shall
      (A) enter into and shall cause all necessary Persons to enter agreements
      in form and manner satisfactory to Lender to evidence the requirements of
      this Section 3.3 (A) (individually, a Lock Box Agreement and
      collectively, the Lock Box Agreements); and (B) commencing on
      the (i) Closing Date with respect to all Account Debtors other than with
      respect to Account Debtors owing Vendor Accounts Receivable; and (ii) date
      that clause (ii) of the proviso in the first sentence of this Section 3.3(A)
      applies with respect to Account Debtors owing Vendor Accounts Receivable,
      direct that payments of such Accounts Receivable be remitted directly to
      the Lock Box Accounts.
| | --- | 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| | (B) | Unless otherwise provided herein and subject to the provisions of Section 3.3(A)
of this Agreement, Borrower may collect through the Lock Box Account at its own
expense the Accounts Receivable in the ordinary course of business; provided,
however,that Borrowers authorization to collect through the Lock Box
Accounts the Accounts Receivable is subject to the following:
| | --- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (i) | The Lender, at any time after the occurrence and during the continuance of an
                    Event of Default or any event that with the giving of notice, the passage of
                    time, or both, will give rise to an Event of Default, may, in its commercially
                    reasonable discretion, notify any or all of the Account Debtors that (1) the
                    Accounts Receivable have been assigned to the Lender; and/or (2) that all
                    further payments on the Accounts Receivable should be paid solely to the Lender.
                    When requested by the Lender after the occurrence and during the continuance of
                    an Event of Default or any event that with the giving of notice, the passage of
                    time, or both, will give rise to an Event of Default, Borrower at its expense
                    will notify or cause to be notified any or all Account Debtors to pay directly
                    to the Lender any sum or sums then due or to become due on the Accounts
                    Receivable or any part thereof and all bills and statements thereafter sent by
                    Borrower to such Account Debtors shall state that the same have been assigned to
                    the Lender and are payable solely to the Lender;
| | --- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (ii) | In the event an Account Debtor is notified under Subsection 3.3(B)(i) of this
                    Agreement or one or more Events of Default have occurred and are continuing or
                    any event occurs that with the giving of notice, the passage of time, or both,
                    will give rise to an Event of Default under the terms of this Agreement, the
                    Lender shall have and succeed to all rights, remedies, securities and liens of
                    Borrower in respect to such Accounts Receivable or other Collateral, including,
                    but not limited to, the right of stoppage in transit of any merchandise,
                    guarantees or other contracts or suretyship with respect to any such
                    merchandise, warranties, unpaid sellers liens, statutory liens,
                    artisans liens, or the right to other collateral security held by or to
                    which Borrower is entitled for the payment of any such merchandise, and shall
                    have the right to enforce the same in its name or to direct the enforcement
                    thereof by Borrower for the benefit of the Lender, and Borrower shall, at the
                    request of the Lender, deliver to the Lender a separate written assignment of
                    any of the same. The Lender, however, shall not incur any obligation or
                    liability of Borrower to any Account Debtor, including, but not limited to,
                    obligations or liabilities pursuant to any contract, agreement, warranty,
                    guarantee, judicial decree or jury award. The Lender, in such an event, is also
                    hereby irrevocably authorized to receive, open and dispose of all mail addressed
                    to Borrower, to notify the Post Office authorities to change the address for
                    delivery of Borrowers mail to an address designated by the Lender, to
                    endorse Borrowers name on all notes, checks, drafts, bills of exchange,
                    money orders, commercial paper of any kind whatsoever, and any other instruments
                    or documents received howsoever in payment of the Accounts Receivable, or any
                    part thereof, and the Lender or any officer or employee thereof is hereby
                    irrevocably constituted and appointed agent and attorney-in-fact for Borrower
                    for the foregoing purpose;
| | ---- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

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| | (iii) | Borrower shall not collect, compromise or accept any sum in full payment or
                    satisfaction of any of the Accounts Receivable in an amount greater than
                    $50,000.00 for materially less than the amount due without the express written
                    consent of the Lender, except in the ordinary course of business. The consent of
                    Lender required in this clause shall not be unreasonably withheld, conditioned
                    or delayed; and
| | ----- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (iv) | The Lender may directly request the Account Debtors for written confirmation of
                    the Accounts Receivable at any time whether before or after the occurrence of an
                    Event of Default.
| | ---- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (C) | All collections of Accounts Receivable through the Lock Box Accounts shall be
                    credited against the Line of Credit one (1) Business Day after the date of
                    receipt by Lender of immediately available funds of such collections.
| | --- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|SECTION
3.4. USE OF COLLATERAL. Borrower shall at all times keep the
Collateral in good condition and repair and free and clear of all unpaid charges
(including, but not limited to, taxes), liens and encumbrances, other than Permitted
Liens, and shall pay or cause to be paid all obligations as they come due, including but
not limited to, mortgage payments, real estate taxes, assessments and rent due on the
premises where the Collateral is or may be located, except for charges, liens,
encumbrances and obligations being contested in good faith by Borrower and for which
adequate reserves have been established. Borrower agrees that (except as provided in the
immediately preceding sentence) in the event Borrower fails to pay such obligations, the
Lender may, at its sole and arbitrary discretion, pay such obligations for the account of
Borrower. The Lender may, in its sole discretion, discharge taxes, liens or security
interests or other encumbrances at any time levied or placed on the Collateral, other than
Permitted Liens, and may, in its sole and arbitrary discretion, pay for the maintenance
and preservation of the Collateral. Any payments made by the Lender pursuant to this
Section shall be repayable to the Lender by Borrower immediately upon the Lenders
demand therefor, with interest at a rate equal to the highest interest rate described in
this Agreement in effect from time to time during the period from and including the date
funds are so expended by the Lender to the date of repayment, and any such amounts due and
owing the Lender shall be an additional obligation of Borrower to the Lender secured
hereunder.
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

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|SECTION
3.5. THIRD PARTY WAIVERS. Borrower shall deliver to Lender
landlord waivers, bailee waivers, warehouse waivers or other third party waivers required
by Lender (individually, a Third Party Waiver and collectively, the
Third Party Waivers) executed by the lessors, mortgagors, bailors, warehouse
owners and/or operators and consignors of or at the Collateral Locations used by Borrower,
all in form and manner satisfactory to Lender.


SECTION
3.6. CROSS COLLATERALIZATION. The Borrower acknowledges and agrees that (A)
the Collateral secures all of the Liabilities, including, but not limited to, the Loans
and (B) Lender shall not release any lien on the Collateral unless and until all the
Liabilities (whether arising pursuant to this Agreement or otherwise) other than
contingent indemnification obligations under this Agreement are paid in full.


ARTICLE FOUR.
REPRESENTATIONS AND WARRANTIES


SECTION 4.1. BORROWER.
Borrower represents and warrants to the Lenderthat:
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|(A)       
          Organization, Etc. It is duly organized and validly existing under
          the laws of the State of Washington and is duly qualified and in good standing
          or has applied for qualification as a foreign corporation authorized to do
          business in each jurisdiction where, because of the nature of its activities or
          properties, such qualification is required, except where the failure to register
          could not reasonably be expected to have a material adverse effect on Borrower.


     (B)       
          Authorization: No Conflict. The execution and delivery of
          the Documents are all within the corporate powers of it, have been duly
          authorized by all necessary action, have, or by the time of their execution and
          delivery shall have, received all necessary governmental or regulatory approval
          (if any shall be required), and do not and will not contravene or conflict with
          any provision of (i) law, rule, regulation or ordinance, the violation of which
          could reasonably be expected to have a material adverse effect on the Borrower,
          (ii) the articles of incorporation or by-laws of it; or (iii) any agreement
          binding upon it or any of their properties, as the case may be, the violation of
          which could reasonably be expected to have a material adverse effect on the
          Borrower.


     (C)       
          Validity and Binding Nature. The Documents executed
          by it are the legal, valid and binding obligations of it, enforceable against
          it, in accordance with their respective terms, except as enforceability may be
          limited by bankruptcy, insolvency, reorganization and other similar laws of
          general application affecting the rights and remedies of creditors and except as
          the availability of specific performance or injunctive relief is subject to the
          discretion of the court before which any proceeding therefor may be brought.


     (D)       
          Title to Assets. Except as set forth in Section 4.1(E) of
          this Agreement, it has good and marketable title to all assets owned by it,
          including, but not limited to, the Collateral, subject to no (i) liens,
          encumbrances, security interests, or mortgages; (ii) zoning, building, fire,
          health or environmental code violations of any governmental authority, the
          violation of which could reasonably be expected to have a material adverse
          effect on the Borrower; and (iii) violations of any covenants, conditions or
          restrictions of record, the violation of which could reasonably be expected to
          have a material adverse effect on the Borrower.


     (E)       
          Liens. None of its assets are subject to any lien, encumbrance or
          security interest, except for Permitted Liens.


     (F)       
          Financial Statements. Its financial statements which have been
          previously delivered to Lender have been prepared on a basis and in conformity
          with generally accepted accounting principles consistently applied, are true and
          correct and fairly present the consolidated financial condition of it as at the
          dates of such financial statements and the results of its operations for the
          periods then ended, and since the date of the latest financial statement
          delivered to Lender there has been no material adverse change in the financial
          condition or operations.
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

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|(G)       
          Litigation and Contingent Liabilities. Except as set
          forth on Exhibit 4.1(G) attached hereto, no litigation or
          arbitration, administrative or governmental proceedings are pending or
          threatened against it which would, if adversely determined, materially and
          adversely affect its financial condition or continued operations.


     (H)       
          No Violations of Laws. It (i) is not in material
          violation of any law, ordinance, rule, regulation, judgment, decree or order of
          any federal, state or local governmental body or court; and (ii) has obtained
          all required permits, certificates, licenses, approvals and other authorizations
          from governmental agencies and entities (whether federal, state or local)
          necessary to carry on its operation, except where the failure to do so could not
          reasonably be expected to have a material adverse effect on the Borrower.


     (I)       
          Burdensome Obligations. Except (i) for indentures, agreements,
          leases, contracts, deeds or other instruments entered into in the ordinary
          course of business that are not otherwise precluded or prohibited pursuant to
          the Documents; and (ii) as set forth on Exhibit 4.1(I) attached hereto, it is
          not a party to any indenture, agreement, lease, contract, deed or other
          instrument, or subject to any partnership restrictions or has any knowledge of
          anything which would materially and adversely affect or impair the business,
          assets, operations, properties, or condition, financial or otherwise, of it.


     (J)       
Taxes. Except as set forth on Exhibit 1.1-7 attached
hereto, all federal, state and local tax returns required to be filed by it have
been filed with the appropriate governmental agencies and all taxes due and
payable by it have been timely paid, except for immaterial for items for which
adequate reserve has been made.


     (K)       
          No Default or Event of Default. No
          event or condition exists under any material agreement, instrument or document
          to which it is a party or may be subject, or by which it or any of its
          properties are bound, which constitutes a default or an event of default
          thereunder, or will, with the giving of notice, passage of time, or both, would
          constitute a default or event of default thereunder where such default could
          reasonably be expected to have a material adverse effect on the Borrower.


     (L)       
          Employee Benefit Plans. Each employee benefit plan, if any,
          (as defined in Section 3(3) of the Employee Retirement Income Security Act of
          1974, as amended from time to time) maintained by it complies in all material
          respects with all applicable requirements of law and regulations and all
          payments and contributions required to be made with respect to such plans have
          been timely made.


     (M)       
          Federal Laws and Regulations. It is not (i) an
          investment company or a company controlled, whether
          directly or indirectly, by an investment company, within the meaning
          of the Investment Company Act of 1940, as amended; (ii) a holding
          company, or a subsidiary company of a holding
          company, or an affiliate of a holding company or
          of a subsidiary company of a holding company, within the
          meaning of the Public Utility Holding Company Act of 1935, as amended; or (iii)
          engaged principally, or as one of its important activities, in the business of
          extending credit for the purpose of purchasing or carrying margin stock (within
          the meaning of Regulation U of the Board of Governors of the Federal Reserve
          System).


     (N)       
          Fiscal Year. The fiscal year of it ends on December 31 of each
          year.




     (O)       
          Officers of It. As of the Closing Date, each Person listed
          below holds the respective office or offices in it set forth next to such
          Persons name:
|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|Name                  | Office                                                 
|--------------------- | -------------------------------------------------------
|                      |                                                        
|Firoz
      Lalji     | Chairman
      and Chief Executive Officer             
|                      |                                                        
|Scott
      Koerner   | Executive
      Vice-President                         
|                      |                                                        
|Ronald
      McFadden | Senior
      Vice-President and Chief Financial Officer

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|(P)       
          Genuineness of Accounts Receivable. All the Accounts
          Receivable of it are genuine and were incurred in the ordinary course of
          business and are not in default.


     (Q)       
          Collateral Locations. All of the tangible Collateral is located at
          the Collateral Locations.


     (R)       
          Subordinated Debt. The agreements, documents and instruments
          attached to the Subordination Agreements being executed and delivered
          contemporaneously with the execution of this Agreement are true and correct
          copies of all of the documentation evidencing the Subordinated Debt in existence
          as of the date of this Agreement and represent the complete agreement of
          Borrower to make payments with respect to the Subordinated Debt, and there have
          been no changes, modifications, alterations or amendments to such agreements,
          documents and instruments.


ARTICLE FIVE.
COVENANTS


SECTION
5.1. BORROWER. Until all the Liabilities are paid in full (other than contingent
indemnification obligations), the Borrower covenants and agrees that:
|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (A) | Financial Statements and Certificates. It will
                    furnish to the Lender:
| | --- | -----------------------------------------------------------------------------------------

| | (i) | within 90 days after the close of each fiscal year of it, a copy of the annual
                    audited report of it consisting of at least a balance sheet, statement of
                    operating results and retained earnings, statement of cash flows and notes to
                    financial statements, profit and loss statement and statement of changes in
                    financial position of it prepared on a consolidating and consolidated basis and
                    in conformity with generally accepted accounting principles, duly prepared by
                    certified public accountants of recognized standing selected by it and approved
                    by the Lender, together with such certificate from such accountants as may be
                    required under generally accepted accounting practices and principles and the
                    rules and regulations of the SEC;
| | --- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (ii) | within (a) 30 days after the end of each month other than the month ending at
                    the end of its fiscal year, and (b) 60 days after the end of the month ending at
                    the end of its fiscal year, a copy of an unaudited financial statement of it
                    prepared in the same manner as the report referred to in clause (i) above with
                    the exception that the monthly reports other than monthly reports dated as of
                    the end of any fiscal quarter of it do not need to take into account all
                    adjustments necessary to be in accordance with generally accepted accounting
                    principles, signed by the chief financial officer or controller of it and
                    consisting of at least a balance sheet as at the close of such month and
                    statements of earnings and cash flow statement for such month and for the period
                    from the beginning of such fiscal year to the close of such month;
| | ---- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (iii) | within 10 days after the end of each month, (1) a statement showing age and
                    reconciliation of its Accounts Receivable and accounts payable for the preceding
                    month and a status of its Inventory showing location, components and value, in
                    such form and detail as Lender may reasonably request; and (2) documentation to
                    support the Accounts Receivable statement set forth in clause (iii)(1) above,
                    including, but not limited to, sales reports, cash receipts reports and credit
                    and debit journals; and (3) a certificate signed by the President or chief
                    financial officer or controller of it providing that the items being provided to
                    Lender pursuant to clauses (iii)(1) and (2) above are true and correct in all
                    material respects;
| | ----- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

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| | (iv) | within 30 days after the end of each fiscal quarter of it, a certificate, in
                    form and manner satisfactory to Lender, signed by the president or chief
                    financial officer or controller of it providing that (a) it is in compliance
                    with all covenants set forth in the Documents as of the end of such fiscal
                    quarter, including, but not limited to, any and all of the financial covenants
                    contained in the Documents; and (b) no Event of Default has occurred, or may
                    occur with the giving of notice or passage of time, or both;
| | ---- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (v) | within 30 days after the end of each month, copies of all of its bank statements
                    and reconciliations thereof, including, but not limited to, Lock Box Accounts
                    statements received during such month;
| | --- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (vi) | by Noon, Chicago time, of the first Business Day of each week, computed as of
                    the close of business for the immediately preceding Business Day, (a)
                    Borrowers Accounts Receivable aging; and (b) sales report and cash receipt
                    report setting forth Borrowers sales and cash receipts from the
                    immediately preceding weekly sales and cash receipt reports provided to Lender;
| | ---- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (vii) | no later than the 10th Business Day of each month, computed as of the
                    close of business on the last Business Day of the preceding month (a
                    Monthly Borrowing Base Certificate), and with each request for a
                    Working Capital Loan hereunder computed as of the close of business on the
                    immediately preceding Business Day, and at such times as Lender may request
                    computed as of the close of business on the immediately preceding Business Day
                    (each such certificate required on each Loan or at Lenders request shall
                    be referred to as a Daily Borrowing Base Certificate), a completed
                    Borrowing Base Certificate, which shall be executed by the President or the
                    chief financial officer or controller of the Borrower;
| | ----- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (viii) | within 45 days after the end of each of Borrowers fiscal years, a copy of
                    its Business Plan for the fiscal year immediately following such ending fiscal
                    year;
| | ------ | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (ix) | schedules of Accounts Receivable in form and manner acceptable to Lender (which
                    shall include current addresses and telephone numbers of Account Debtors) as
                    often as requested by Lender, but not less frequently than semi-annually;
| | ---- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (x) | at Lenders request, Borrower shall also furnish Lender with copies (or, at
                    Lenders request after an Event of Default, originals) of all orders,
                    invoices, and similar agreements and documents, and all original shipping
                    instructions, delivery receipts, bills of lading, and other evidence of
                    delivery, for Inventory, the sale or disposition of which has resulted in
                    Accounts Receivable;
| | --- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (xi) | the originals of all instruments, chattel paper, security agreements, guarantees
                    and other documents and property evidencing or securing any Accounts Receivable,
                    immediately upon receipt thereof and in the same form as received, with all
                    necessary endorsements to enable Lender to enforce the same;
| | ---- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (xii) | copies of all federal and state income tax returns of it, including, but not
                    limited to, requests for extensions of such income tax returns, when and as
                    filed;
| | ----- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

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| | (xiii) | copies of any and all reports, examinations, notices, warnings and citations
                    issued by any governmental or quasi-governmental (whether federal, state or
                    local), unit, agency, body or entity with respect to it; and
| | ------ | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (xiv) | such other information as the Lender from time to time reasonably requests.
                    Borrowers failure to deliver or execute and deliver any of the items
                    listed in this Section shall not affect or limit Lenders security interest
                    in the Collateral.
| | ----- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (B) | Books, Records and Inspections. It will (i) maintain
                    complete and accurate books and records; (ii) permit reasonable access by the
                    Lender to the books and records of it; (iii) make entries on its books and
                    records, in form and manner satisfactory to Lender, disclosing Lenders
                    security interest in the Collateral and shall keep a separate account on its
                    books of all collections received thereon; and (iv) permit the Lender, upon
                    reasonable notice, to inspect the properties, whether real or personal, and
                    operations of it. Without limitation of the foregoing, it acknowledges and
                    agrees that Lender shall conduct at least quarterly field audits of it each
                    year.
| | --- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (C) | Insurance. It will maintain such insurance as may be required by law and
such other insurance to the extent and against such hazards and liabilities as
is customarily maintained by companies similarly situated. All property
insurance policies with respect to the Collateral shall contain loss payable
clauses in form and substance reasonably satisfactory to the Lender, naming the
Lender as a loss payee as its interest may appear, and providing that such
policies and loss payable clauses may not be canceled, amended or terminated
unless at least thirty (30) days prior written notice thereof has been given to
the Lender. All insurance proceeds received by the Lender may be retained by the
Lender, in its sole discretion, for application to the payment of any of the
principal or interest on the Liabilities then due and owing the Lender by it as
the Lender may determine; provided, however,that so long as (i) no Event of
Default shall then exist or will exist with the giving of notice, the passage of
time, or both, and no Event of Default shall exist or will exist with the giving
of notice, the passage of time, or both, at any time during the period of any
acquisition of replacement property; and (ii) the Revolving Loans plus
outstanding Approvals shall not then or at any time or from time to time during
the period of any acquisition of replacement property do not exceed the advance
limitations described in Section 2.1(A) of this Agreement, upon Borrowers
written request to Lender made on or before the disbursement of such insurance
proceeds to Lender, such insurance proceeds may be used to replace the property
with respect to which such insurance proceeds were paid and any such insurance
proceeds shall be disbursed directly to Vendors of the Inventory being replaced.
| | --- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (D) | Taxes and Liabilities. It will pay when due all taxes,
                    assessments and other liabilities except as contested in good faith and by
                    appropriate proceedings and for which adequate reserves have been established.
| | --- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (E) | Restriction on Dividends.It will not declare or pay, or
authorize a declaration or payment of, any dividend, whether a cash dividend or
stock dividend, or make any distribution in cash, property or securities in
respect of, any class of its capital stock; provided, however,that so long as
no Event of Default has occurred and is continuing, or will occur with the
giving of notice, the passage of time, or both, it may take those actions
allowed pursuant to the proviso set forth in Section 5.1(K) of this Agreement.
| | --- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (F) | Indebtedness. It will not incur or permit to exist any indebtedness or
                    liability for borrowed money or for the deferred purchase price of any property
                    or any services, except for Permitted Indebtedness.
| | --- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (G) | Liens. It will not create or permit to exist any mortgage, pledge, title
                    retention lien, or other lien, encumbrance or security interest with respect to
                    any assets now owned or hereafter acquired and owned, except for Permitted
                    Liens.
| | --- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

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| | (H) | Guaranties, Loans or Advances. Except for Permitted
                    Loans, it will not become or be a guarantor or surety of, or otherwise become or
                    be responsible in any manner with respect to any undertaking of any other
                    Person, or make or permit to exist any loans or advances to any other Person,
                    except for the endorsement, in the ordinary course of collection, of instruments
                    payable to it or to its order.
| | --- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (I) | Mergers, Consolidations and Sales. It will not be a
                    party to any merger or consolidation with, or purchase or otherwise acquire all
                    or substantially all of the assets or stock of any class of, or any partnership
                    or joint venture interest in, any other Person, or sell, transfer, convey or
                    lease all or any substantial part of its assets, or sell or assign, with or
                    without recourse, any Accounts Receivable, except with the prior written consent
                    of the Lender which consent shall not be unreasonably withheld, delayed or
                    conditioned.
| | --- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (J) | Self-Dealing. Except for Permitted Loans and as permitted pursuant to the
                    proviso in Section 5.1(K) of this Agreement, it shall not purchase, acquire or
                    lease any property from, or sell, transfer or lease any property to (a) any
                    Affiliate, (b) any officer, director or shareholder of it or any Affiliate, (c)
                    any guarantor of any of the Liabilities or (d) any member of the immediate
                    family of any of the foregoing, except on terms comparable to the terms which
                    would prevail in an arms-length transaction between unaffiliated third parties.
| | --- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (K) | Stock. It will neither purchase, retire, redeem or otherwise acquire any
shares nor issue any additional shares of any class of capital stock of it;
provided, however,that it may (i) issue additional shares of any class of
capital stock of it; (ii) repurchase shares of capital stock of it from
officers, directors, employees or consultants pursuant to stock repurchase
agreements entered into by Borrower in the ordinary course of business; (iii)
retire shares of capital stock of it in connection with a reverse stock split;
and (iv) purchase shares of capital stock of it in connection with an open
market repurchase or exchange of Borrowers publicly traded equity
securities, so long as any of the foregoing described in this proviso shall not
cause an Event of Default to occur either immediately or with the giving of
notice, the passage of time, or both.
| | --- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (L) | Violation of Law. It will not materially violate any
                    law, statute, ordinance, rule, regulation, judgment, decree, order, writ or
                    injunction of any federal, state or local authority, court, agency, bureau,
                    board, commission, department or governmental body where such violation could be
                    expected to have a material adverse effect on Borrower.
| | --- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (M) | Unconditional Purchase Obligations. It will neither enter
                    into or be a party to any contract for the purchase of materials, supplies or
                    other property or services if such contract requires that payment be made by it
                    regardless of whether or not delivery is ever made of such materials, supplies
                    or other property or services.
| | --- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (N) | Maintenance of Business. It will preserve its corporate
                    existence in the jurisdiction of establishment, as that may be from time to
                    time, and it will not operate in any business other than (i) a business
                    substantially the same as the business of it as in effect on the date of this
                    Agreement; or (ii) as set forth on Exhibit 5.1 (N) attached hereto.
| | --- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (O) | Employee Benefit Plans. It will (i) maintain each employee
                    benefit plan as to which it may have any liability in substantial compliance
                    with all applicable requirements of law and regulations; (ii) make all payments
                    and contributions required to be made pursuant to such plans in a timely manner;
                    and (iii) neither establish any new employee benefit plan (except for a new
                    stock option plan to be submitted for approval by Borrowers shareholders
                    in 2003), agree or contribute to any multi-employer plan nor amend any existing
                    employee pension benefit plan in a manner which would materially increase its
                    obligation to contribute to such plan.
| | --- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (P) | Use of Proceeds. It will not permit any proceeds of the
                    Loans to be used either directly or indirectly, for the purpose, whether
                    immediate, incidental or ultimate, of purchasing or carrying any margin
                    stock within the meaning of Regulation U of the Board of Governors of the
                    Federal Reserve System, as amended from time to time.
| | --- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

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| | (Q) | GoodTitle.
It shall at all times maintain good and marketable                     title to all of
its assets.
| | --- | -------------------------------------------------------------------------------------------------------------

| | (R) | Officers of Borrower. Borrower shall give Lender written
                    notice if any Person listed below fails to hold the respective office or offices
                    in it set forth next to such Persons name:
| | --- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | Name                  |  | Office                                                  | 
| | --------------------- |  | ------------------------------------------------------- | 
| |                       |  |                                                         | 
| | Firoz
      Lalji     |  | Chairman
      and Chief Executive Officer              | 
| |                       |  |                                                         | 
| | Scott
      Koerner   |  | Executive
      Vice-President                          | 
| |                       |  |                                                         | 
| | Ronald
      McFadden |  | Senior
      Vice-President and Chief Financial Officer | 

| | (S) | EligibleAccountsReceivableandEligibleInventory. If
it determines that a previously scheduled Eligible Accounts           Receivable or
Eligible Inventory ceases to be an Eligible Accounts Receivable or           Eligible
Inventory under any of the criteria described in Section 1.1 of this           Agreement,
then it shall immediately notify the Lender thereof.
| | --- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (T) | Certification. All
reports, certificates, schedules, notices and           financial information submitted
by it to the Lender pursuant to this Agreement           shall be certified as true and
correct (unless a different standard is otherwise           allowed hereunder) by the
President or any other authorized officer of it.
| | --- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (U) | CollateralLocations;MaterialAdverseChange. It
shall give the Lender (i) 30 days prior written notice of the           location of any
Collateral at any place other than the Collateral Locations; and           (ii) prompt
written notice of any event, occurrence or other matter which has           resulted or
may result in a material adverse change in its financial condition           or business
operations.
| | --- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (V) | FiscalYear. The
fiscal year of it shall end on December 31 of           each year.
| | --- | ----------------------------------------------------------------------------------

| | (W) | UnsubordinatedDebtToTangibleNetWorthRatio. It
shall not cause, suffer or permit the ratio of (i)           its total consolidated
liabilities minus subordinated debt to (ii) its Tangible           Net Worth to be
greater than [REDACTED], as measured at the end of each fiscal           quarter.
| | --- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (X) | TangibleNetWorth. It
shall not cause, suffer or permit           its Tangible Net Worth to be less than
[REDACTED] as measured at the end of each           fiscal quarter.
| | --- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (Y) | FixedChargeCoverage.
It shall maintain a Fixed Charge           Coverage of not less than [REDACTED], all as
measured at the end of each fiscal           quarter, as calculated for the 12 month
period ending at the end of such fiscal           quarter.
| | --- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (Z) | CurrentRatio.
It shall not cause, suffer or permit its Current           Ratio to be less than
[REDACTED], all as measured at the end of each fiscal           quarter.
| | --- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (AA) | SubordinatedDebt. Except
as set forth in the Subordination           Agreements, it will not make any payments
pursuant to the Subordinated Debt.
| | ---- | -------------------------------------------------------------------------------------------------------------------------------------------------

| | (BB) | ReturnsofInventory. Borrower
shall not place on any           reports to be provided to Lender pursuant to the
Documents, including, but not           limited to, Section 5.1(A) of this Agreement any
Inventory constituting returns           of Inventory received by Borrower that is either
not in new and saleable           condition or has not or is not in the process of being
returned to a Vendor. If           an Event of Default has occurred and is continuing, no
return of Inventory shall           be accepted, and no sale of returned Inventory shall
be made, by Borrower           without Lenders prior written consent. Page 26 of 38
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| | ---- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

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| | (CC) | InventorySystem. Borrower
shall maintain a perpetual inventory           system, keeping accurate records itemizing
and describing the kind, type, age,           quality, quantity and cost of Inventory and
withdrawals and additions. Such           records shall be available for inspection
during Borrowers usual business           hours at the request of Lender or its
designee.
| | ---- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|(DD)       
          Business Plan. Each Business Plan shall (i) constitute its best
          good faith estimate of its management regarding the course of its business for
          the period covered by such Business Plan; and (ii) be based on assumptions which
          shall be reasonable and realistic based on the then current economic conditions
          at the time of preparation of such Business Plan.
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | ARTICLE | SIX.
CONDITIONS PRECEDENT
| | ------- | -------------------------

|SECTION
6.1. SPECIAL CONDITIONS PRECEDENT TO THE MAKING
OF THE FIRST LOAN.Lenders obligation to make the first
Loan is subject to the fulfillment of each and every one of the following conditions prior
to or contemporaneously with the making of such first loan:
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (A) | Delivery of Documents, Information and
                    Fees. The Lender shall have received each of the following, in form and
                    substance satisfactory to the Lender and its counsel, and where applicable, duly
                    executed and recorded:
| | --- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (i) | Certificate of the Secretary of Borrower certifying as to (a) all corporate
                    actions taken and consents made by Borrower to authorize the transactions
                    provided for or contemplated under this Agreement and the execution, delivery
                    and performance of the Documents; and (b) the names of the officers or employees
                    of Borrower authorized to sign the Documents, together with a sample of the true
                    signature of each such Person. (Lender may conclusively rely on such
                    certificates until formally advised by a like certificate of any changes
                    therein.);
| | --- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (ii) | Acknowledgment copies from the appropriate governmental authority of all Uniform
                    Commercial Code financing statements required to perfect the Lenders
                    security interests in the Collateral;
| | ---- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (iii) | Copies of Uniform Commercial Code, tax lien and judgment searches made with such
                    governmental offices as Lender deems necessary;
| | ----- | ----------------------------------------------------------------------------------------------------------------------------------------------------

| | (iv) | Certificates of insurance and loss payable clauses covering the Collateral and
                    meeting the requirements of this Agreement;
| | ---- | ----------------------------------------------------------------------------------------------------------------------------------------------

| | (v) | The Lock Box Agreements;
| | --- | ------------------------

| | (vi) | The Third Party Waivers;
| | ---- | ------------------------

| | (vii) | The Subordination Agreements, if any;
| | ----- | -------------------------------------

|
|

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| | (viii) | The executed opinion of counsel of counsel to Borrower addressed to the Lender
                    and dated the date of this Agreement;
| | ------ | ----------------------------------------------------------------------------------------------------------------------------------------

| | (ix) | Certified copies of the Articles of Incorporation or Charter and By-laws of
                    Borrower, as restated or amended as to the date of this Agreement;
| | ---- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (x) | Certificates of good standing for Borrower in the jurisdiction of their
                    incorporation, in the principal places in which they conduct business and in
                    places in which they own real estate and/or Collateral;
| | --- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (xi) | The IBMCC Intercreditor Agreement;
| | ---- | ----------------------------------

| | (xii) | All fees and costs of Lender agreed to be borne by Borrower pursuant to the
                    Documents; and
| | ----- | --------------------------------------------------------------------------------------------------------------

| | (xiii) | Such other instruments or documents as the Lender may reasonably request.
| | ------ | -------------------------------------------------------------------------

|SECTION
6.2. GENERAL CONDITIONS PRECEDENT TO EACH LOAN.
In addition to all other requirements of this Agreement, including, but not limited to,
those set forth in Section 6.1 of this Agreement, Lenders obligation to make each
Loan is subject to the fulfillment of each and every of the following conditions prior to
or contemporaneously with the making of each and every such Loan:


     (A)       
          No Event of Default. No Event of Default shall have
          occurred and be continuing, may occur with the giving of notice, the passage of
          time or both or shall result from the making of any Loan.


     (B)       
          No Material Adverse Change. There shall have been no
          material adverse change in the business of the Borrower or the financial
          condition of the Borrower from the most recent financial statements submitted by
          Borrower to Lender.


     (C)       
          Continuation of Representations and
          Warranties. The representations and warranties contained in this
          Agreement shall be true and correct in all material respects as of the making of
          any Loan, with the same effect as though made on such dates.


     (D)       
          Receipt of Certificate. The Lender shall have received its
          completed form borrowing base certificate from Borrower upon any request for a
          Revolving Loan, which shall be executed as specified in Article Two of this
          Agreement.


ARTICLE SEVEN.
EVENTS OF DEFAULT


SECTION
7.1. EVENTS OF DEFAULT. Each of the following acts, occurrences or
omissions shall constitute an event of default under this Agreement (herein referred to as
an Event of Default), whatever the reason for such Event of Default and
whether it shall be voluntary or involuntary or be effected by operation of law or
pursuant to any judgment or order of any court or any order, rule or regulation of any
governmental or nongovernmental body or tribunal:


     (A)       
          Borrower shall default in the payment when due of any principal amount due and
          owing to the Lender under any of the Documents; or


     (B)       
          Borrower shall default in the payment when due of any interest amount due and
          owing to the Lender under any of the Documents within 20 days of the billing
          date of such interest; or
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

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|(C)       
          Except for the Event of Default set forth in Sections 7.1(A) and (B) of this
          Agreement, default, and continuance thereof for 30 days after written notice
          thereof to Borrower by the Lender, in the payment of any other amount owing by
          Borrower to the Lender pursuant to the Documents or pursuant to any other
          agreement, note, instrument or guarantee; or


     (D)       
          Any representation or warranty made by Borrower contained in the Documents shall
          at any time prove to have been incorrect in any material respect when made and
          not cured as of the date of such discovery; or


     (E)       
          Borrower shall default in the performance or observance of any term, covenant,
          condition or agreement on its part to be performed or observed under any
          financial covenant contained in the Documents, including, but not limited to,
          Sections 5.1(W) through (Z) of this Agreement; or


     (F)       
          Borrower shall default in the performance or observance of any term, covenant,
          condition or agreement on its part to be performed or observed under the
          Documents (not constituting an Event of Default under any other clause of this
          Section 7.1 of this Agreement) and such default shall continue unremedied for 30
          days after written notice thereof shall have been given by the Lender to
          Borrower; or


     (G)       
Either: (i) Borrower shall become insolvent or generally fail to pay, or admit
in writing its inability to pay, such Persons debts as they become due, or
a proceeding under any bankruptcy, reorganization, arrangement of debt,
insolvency, readjustment of debt or receivership law or statute is filed by or
against Borrower or Borrower makes an assignment for the benefit of creditors;
provided, however,that no Event of Default shall exist pursuant to this
Subsection E, Clause (i) due to an involuntary bankruptcy case, proceeding or
petition filed against Borrower unless such involuntary case, proceeding or
petition shall not have been dismissed or withdrawn within 60 days after the
date of such involuntary filing; or (ii) corporate or other action shall be
taken by Borrower for the purpose of effectuating any of the foregoing; or


     (H)       
          If notice is given that the Collateral, or any part of the Collateral having a
          book value exceeding $150,000.00, is subject to levy, attachment, seizure, or
          confiscation or uninsured loss; provided, however, that the deductible amount on
          any insurance policy currently in effect on the Collateral shall not be
          considered an uninsured loss pursuant to this Subsection; or


     (I)       
          Borrower shall be dissolved, whether voluntarily or involuntarily and such
          Person has not taken all actions required to become reinstated; or


     (J)       
          Subject to any applicable cure and/or notice periods, any material default shall
          occur under any material agreement, document or instrument binding upon
          Borrower, or any assets of Borrower, including, but not limited to, any default
          in the payment when due of any principal of or interest on any indebtedness for
          money borrowed or guaranteed by any Borrower, or any default in the payment when
          due, or in the performance or observance of, any material obligation of, or
          condition agreed to by, Borrower with respect to any purchase or lease of any
          real or personal property or services;


     (K)       
          Any default or event of default (howsoever such terms are defined) shall occur
          under any Third Party Financing;


     (L)       
          Any default or event of default (howsoever such terms are defined) shall occur
          under the IBMCC Credit Financing; or


     (M)       
Lender gives Borrower written notice (an Insecurity Notice) that
Lender, in good faith, deems itself reasonably insecure for any reason due to
any material adverse change in the business, assets or liabilities, financial
condition, results of operations or business prospects of Borrower; provided,
however,that no Event of Default shall exist pursuant to this clause (M) until
sixty (60) days after the sending of such Insecurity Notice.
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

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|Notwithstanding anything contained in
this Section 7.1, any Event of Default under any of Sections 7.1(J), (K) or (L) of this
Agreement caused by the occurrence of any default or event of default under any other
agreement, document or instrument shall be automatically cured for purposes of this
Agreement upon the cure or waiver of such default or event of default under such other
agreement, document or instrument.


ARTICLE EIGHT.
REMEDIES


SECTION
8.1. REMEDIES UPON DEFAULT. Upon the occurrence and continuance of
any Event of Default, and the expiration of any applicable cure period, and in every such
event:


     (A)       
          notwithstanding anything in the Documents, Lender may, in its sole and arbitrary
          discretion, declare the principal of and interest on any or all of the Loans,
          and all other amounts owed under the Documents, to be forthwith due and payable
          without presentment, demand, protest or other notice of any kind, all of which
          are hereby expressly waived; and


     (B)       
          Lender may, in its sole and arbitrary discretion, without presentment, demand,
          protest or other notice of any kind, all of which are hereby expressly waived,
          exercise all of the remedies of a secured party and mortgage holder under
          applicable law, including, but not limited to, the UCC, and all of its rights
          and remedies under the Documents; and


     (C)       
          Lender may require Borrower to make the Collateral and the records pertaining to
          the Collateral available to the Lender at a place designated by the Lender which
          is reasonably convenient or may take repossession of the Collateral and the
          records pertaining to the Collateral without the use of any judicial process and
          without any prior notice thereof to Borrower; and


     (D)       
          except as otherwise provided by law, Lender may, at its option, and in its sole
          and arbitrary discretion, sell the Collateral at public or private sale upon
          such terms and conditions as Lender may reasonably deem proper, and Lender may
          purchase the Collateral at any such sale, and apply the net proceeds, after
          deducting all costs, expenses and attorneys fees incurred at any time in
          the collection of the indebtedness of Borrower to the Lender and in the
          protection and sale of the Collateral, to the payment of said indebtedness,
          returning the remaining proceeds, if any, to Borrower, with Borrower remaining
          liable for any amount remaining unpaid after such application; and


     (E)       
          the Lender may, at its option, and in its reasonable discretion, grant
          extensions, compromise claims and settle Accounts Receivable for less than face
          value, all without prior notice to Borrower; and


     (F)       
          Lender may, at its option, and in its sole and arbitrary discretion, use, in
          connection with any assembly or disposition of the Collateral, any trademark,
          trade name, trade style, copyright, patent right or technical process used or
          utilized by Borrower; and


     (G)       
          Borrower shall, upon the request of the Lender, forthwith upon receipt, transmit
          and deliver to the Lender in the form received, all cash, checks, drafts and
          other instruments for the payment of money (properly endorsed, where required,
          so that such items may be collected by Lender) which may be received by Borrower
          at any time in full or partial payment of any Collateral. Borrower shall not
          commingle any such items which may be so received by Borrower with any other of
          its funds or property but shall hold them separate and apart from their own
          funds or property and in trust for the Lender until delivery is made to Lender;
          and


     (H)       
          the Lender may, at its option, and in its reasonable discretion, accept the
          return of any Inventory directly from an Account Debtor, without notice to or
          consent by Borrower.


SECTION
8.2. REMEDIES ARE SEVERABLE AND CUMULATIVE. All
provisions contained herein pertaining to any remedy of the Lender shall be and are
severable and cumulative and in addition to all other rights and remedies available in the
Documents, at law and in equity, any one or more may be exercised simultaneously or
successively. Any notification required pursuant to this Article Eight or under applicable
law shall be reasonably and properly given to Borrower at the address and by any of the
methods of giving such notice as set forth in this Agreement, at least 5 days before
taking any action.
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|ARTICLE NINE.
MISCELLANEOUS


SECTION
9.1. NO WAIVER; MODIFICATIONS IN WRITING. No failure or
delay on the part of Lender in exercising any right, power or remedy pursuant to the
Documents shall operate as a waiver thereof, nor shall any single or partial exercise of
any such right, power or remedy preclude any other or further exercise thereof, or the
exercise of any other right, power or remedy. No amendment, modification, supplement,
termination or waiver of any provision of the Documents, nor any consent by Lender to any
departure by Borrower therefrom, shall be effective unless the same shall be in writing
and signed by Lender. Any waiver of any provision of the Documents and any consent by
Lender to any departure by Borrower from the terms of any provision of the Documents shall
be effective only in the specific instance and for the specific purpose for which given.
No notice to or demand on Borrower in any case shall entitle Borrower to any other or
further notice or demand in similar or other circumstances.


SECTION
9.2. SET-OFF. Lender shall have the right to set-off, appropriate and apply toward
payment of any of the Liabilities, in such order of application as Lender may from time to
time and at any time elect, any cash, credit, deposits, accounts, securities and any other
property of Borrower which is in transit to or in the possession, custody or control of
Lender, or any agent, bailee, or Affiliate of Lender. Borrower hereby grants to Lender a
security interest in all such property.


SECTION
9.3. NOTICES, ETC. All notices, demands, instructions and other
communications required or permitted to be given to or made upon any party hereto shall be
in writing personally delivered or sent by overnight courier or by facsimile machine, and
shall be deemed to be given for purposes of this Agreement on the day that such writing is
delivered or sent by facsimile machine or one (1) day after such notice is sent by
overnight courier to the intended recipient thereof in accordance with the provisions of
this Section 9.3. Unless otherwise specified in a notice sent or delivered in accordance
with the foregoing provisions of this Section 9.3 of this Agreement, notices, demands,
instructions and other communications in writing shall be given to or made upon the
respective parties hereto at their respective addresses indicated for such party below:
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | If
      to the Borrower: |  |  | Zones,
      Inc.                                 |  | 
| | ------------------------- |  |  | ------------------------------------------------- |  | 
| |                           |  |  | 707
      South Grady Way                         |  | 
| |                           |  |  | Renton,
      Washington                          |  | 
| |                           |  |  | Attention:
      Chief Executive Officer          |  | 
| |                           |  |  | Phone:
      (425) 420-3000                       |  | 
| |                           |  |  | Fax
      No.: (425) 430-3626                     |  | 
| |                           |  |  |                                                   |  | 
| | With
      a copy to:     |  |  | Joe
      M. Wallin                               |  | 
| |                           |  |  | Gray
      Cary Ware & Freidenrich LLP            |  | 
| |                           |  |  | 701
      Fifth Avenue, Suite 7000                |  | 
| |                           |  |  | Seattle,
      WA 98104                           |  | 
| |                           |  |  | Phone:
      (206) 839-4800                       |  | 
| |                           |  |  | Fax
      No.: (206) 839-4801                     |  | 
| |                           |  |  |                                                   |  | 
| | If
      to the Lender:   |  |  | Transamerica
      Commercial Finance Corporation |  | 
| |                           |  |  | 5595
      Trillium Boulevard                     |  | 
| |                           |  |  | Hoffman
      Estates, Illinois 60192             |  | 
| |                           |  |  | Attn:
      Michelle Rice                         |  | 
| |                           |  |  | Phone:
      (847) 747-7589                       |  | 
| |                           |  |  | Fax
      No.: (847) 747-7436                     |  | 
| |                           |  |  |                                                   |  | 
| | With
      a copy to:     |  |  | Steven
      Bright, Esq.                         |  | 
| |                           |  |  | Levenfeld
      Pearlstein                        |  | 
| |                           |  |  | 211
      Waukegan Road                           |  | 
| |                           |  |  | Suite
      300                                   |  | 
| |                           |  |  | Northfield,
      Illinois 60093                  |  | 
| |                           |  |  | Phone:
      (847) 441-7676                       |  | 
| |                           |  |  | Fax:
      (847) 441-9976                         |  | 

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|SECTION
9.4. COSTS, EXPENSES AND TAXES.Borrower agrees to pay all
out-of-pocket fees and expenses of Lender (including, but not limited to, UCC Filing and
Search Fees and fees and expenses of outside counsel to Lender and paralegals) in
connection with the field audits and the enforcement of the Documents and the Loans;
provided, however, that (A) so long as no Event of Default shall have occurred or will
occur with the giving of notice, the passage of time, or both, the quarterly field audit
fees and costs to be paid by Borrower shall not exceed $1000.00 per day, $5000.00 per
audit and an aggregate of $20,000.00 annually; and (B) if prior to conducting an audit
Lender eliminates all [REDACTED], then no payment shall be due by Borrower
for audit fees relating to such audit; provided, further, that if any [REDACTED]
is reinstated, then audit fees shall be due and owing by Borrower for any audit
conducted by Lender following such reinstatement. In addition, Borrower shall pay any and
all stamp, transfer and other taxes payable or determined to be payable in connection with
the execution and delivery of the Documents and agrees to hold the Lender harmless from
and against any and all liabilities with respect to or resulting from any delay in paying
or omission to pay such taxes. If any suit or proceeding arising from any of the foregoing
is brought against Lender, Borrower, to the extent and in the manner directed by Lender,
will resist and defend such suit or proceeding or cause the same to be resisted and
defended by counsel approved by Lender (Gray Cary Ware & Freidenrich LLP is hereby
approved). If Borrower shall fail to do any act or thing which it has covenanted to do
under this Agreement or any representation or warranty on the part of Borrower contained
in this Agreement shall be breached, Lender may, in its sole and arbitrary discretion,
after 10 days written notice is sent to Borrower, do the same or cause it to be done or
remedy any such breach, and may expend its funds for such purpose; and any and all amounts
so expended by the Lender shall be repayable to the Lender by Borrower immediately upon
the Lenders demand therefor, with interest at a rate equal to the highest interest
rate set forth in this Agreement in effect from time to time during the period from and
including the date funds are so expended by Lender to the date of repayment, and any such
amounts due and owing Lender shall be deemed to be part of the Liabilities secured
hereunder. The obligations of Borrower under this Section shall survive the termination of
this Agreement and the discharge of the other obligations of Borrower under the Documents.


SECTION
9.5. COMPUTATIONS. Where the character or amount of any asset or liability or item
of income or expense is required to be determined, or any consolidation or other
accounting computation is required to be made, for the purpose of this Agreement, such
determination or calculation shall, to the extent applicable and except as otherwise
specified in this Agreement, be made in accordance with generally accepted accounting
principles applied on a basis consistent with those at the time in effect.


SECTION
9.6. FURTHER ASSURANCES. Borrower agrees to do such further acts and things
and to execute and deliver to Lender such additional assignments, agreements, powers,
documents and instruments as Lender may reasonably require or deem advisable to carry into
effect the purposes of the Documents, or to confirm unto Lender its rights, powers and
remedies under the Documents.


SECTION
9.7. COUNTERPARTS. This Agreement may be executed in any number of counterparts,
each of which counterparts, once they are executed and delivered, shall be deemed to be an
original and all of which counterparts, taken together, shall constitute but one and the
same agreement.


SECTION
9.8. BINDING EFFECTS; ASSIGNMENT. This Agreement shall be binding
upon, and inure to the benefit of, Lender, Borrower and their respective successors,
assigns, representatives and heirs. Borrower shall not assign any of its rights nor
delegate any of its obligations under Documents without the prior written consent of
Lender and no such consent by Lender shall, in any event, relieve Borrower of any of its
obligations under the Documents.
|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

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|SECTION
9.9. HEADINGS. Captions contained in this Agreement are inserted only as a matter
of convenience and in no way define, limit or extend the scope or intent of this Agreement
or any provision of this Agreement and shall not affect the construction of this
Agreement.


SECTION
9.10. ENTIRE AGREEMENT. This Agreement, together with the Documents,
contains the entire agreement between the parties hereto with respect to the transactions
contemplated herein and supersede all prior representations, agreements, covenants and
understandings, whether oral or written, related to the subject matter of the Agreement.
Except as specifically set forth in this Agreement, Lender makes no covenants to Borrower,
including, but not limited to, any other commitments to provide any additional financing
to Borrower.


SECTION
9.11. GOVERNING LAW. This Agreement shall be deemed to be a contract made
under the laws of the State of Illinois and for all purposes shall be construed in
accordance with the laws of the State of Illinois.


SECTION
9.12. SEVERABILITY OF PROVISIONS. Any provision of this Agreement
which is prohibited or unenforceable in any jurisdiction shall, as to such jurisdiction,
be ineffective only to the extent of such prohibition or unenforceability without
invalidating the remaining provisions of this Agreement or affecting the validity or
enforceability of such provision in any other jurisdiction.


SECTION
9.13. CONFLICT. In the event of any conflict between this Agreement and any of the
other Documents, the terms and provisions of this Agreement shall govern and control.


SECTION
9.14. POWER OF ATTORNEY. Borrower hereby grants to Lender an
irrevocable power of attorney coupled with an interest, authorizing and permitting Lender,
at its option but without obligation, at Borrowers sole expense, in Borrowers
name or otherwise, to the extent reasonably determined by Lender to be necessary or
advisable in order to carry out Lenders rights or remedies while an Event of Default
is continuing or will occur with the giving of notice, the passage of time, or both, to do
any or all of the following: (a) execute on behalf of Borrower any financing statement, or
any continuation or amendment thereof, security agreement, assignment of rentals from real
or personal property, report, notice, schedule of Accounts Receivable, and any other
agreement or document that Lender may, in its reasonable discretion, deem advisable in
order to (i) perfect, maintain or improve Lenders security interest in the
Collateral or other property intended to constitute Collateral, or (ii) exercise a right
of Borrower or Lender, or (iii) fully consummate the transactions contemplated under this
Agreement and the Documents; (b) execute on behalf of Borrower, any invoice relating to
any of the Accounts Receivable, any draft against or notice to any Account Debtor, any
proof of claim in bankruptcy, or other similar document against any Account Debtor, any
notice or claim of mechanics, material suppliers or other lien, or assignment
or satisfaction thereof; (c) take control in any manner of any cash or non-cash proceeds
of Collateral; endorse Borrowers name upon any instruments, money orders, bills of
lading, freight bills, chattel paper or other agreements or documents, evidence of payment
or Collateral that may come into Lenders possession; and sign Borrowers name
to any verification of its Accounts Receivable and notices thereof to Borrowers
Account Debtors; (d) endorse all checks and other forms of remittances in payment of
Accounts Receivable received by Lender Pay to the Order of Transamerica Commercial
Finance Corporation, or in such other manner as Lender may choose; (e) notify post
office authorities to change the address for delivery of any of Borrowers mail to an
address designated by Lender and receive and open all mail addressed to Borrower and make
such disposition as is reasonable under the circumstances, and Lender will endeavor to
provide Borrower with originals or copies thereof; (f) pay, contest or settle any lien
with respect to the Collateral, or any judgment based thereon, or otherwise take any
action to terminate or discharge the same; (g) following the occurrence of an Event of
Default, demand payment of Accounts Receivable, enforce payment of Accounts Receivable by
legal proceedings or otherwise, and enforce any and all rights of Borrower in Accounts
Receivable; grant extensions of time to pay, compromise claims and settle Accounts
Receivable for less than face value and execute all releases and other documents in
connection therewith; (h) settle and adjust, and give releases of, any claim under any
insurance policy that relates to any of the Collateral and obtain payment therefor, and
make all determinations and decisions with respect to any such policy and endorse
Borrowers name on any instrument or other item of payment or the proceeds of such
policy; and (i) take any action or pay any sum required of Borrower pursuant to this
Agreement, and any other present or future agreements between Lender and Borrower and do
all acts and things which are necessary to fulfill Borrowers obligations under this
Agreement.
|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|Page 33 of 38                                    
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|SECTION
        9.15CONFIDENTIAL INFORMATION.


     (A)       
Lender and Borrower shall: (i) restrict disclosure of the Confidential
Information solely to those of its employees, affiliates, advisors or
representatives with a need to know and not disclose any of it to any other
third parties; (ii) advise its employees, affiliates, advisors or
representatives who receive the Confidential Information of the obligation of
confidentiality hereunder; (iii) use and advise its employees, affiliates,
advisors or representatives to use the same degree of care to protect the
Confidential Information and to prevent disclosure of the Information as is used
with the partys own confidential information, which shall be at least the
degree of care which a reasonably prudent person would take to protect and
prevent disclosure of Confidential Information; (iv) use the Confidential
Information only in connection with this transaction and in its normal internal
reporting, evaluation and analysis in the ordinary course of its business; and
(v) not publish in any public filing any of the Confidential Information, except
with the prior written consent of the other party, except as required by law;
provided, however,that with respect to any SEC or state securities filing of
Borrower, if Borrower has made commercially reasonable efforts to comply with
any written request of Lender to redact or not publish any provision of the
Documents (unless in the opinion of Borrowers counsel the disclosure of
such provisions is required to comply with applicable securities laws) and the
SEC or any state agency requires the publication of such provision, then
Borrower may publish such provision required to be published by the SEC or such
state agency. Lender or Borrower may specifically identify in writing any
information as Confidential Information which shall be subject to
the terms and provisions of this Section.


     (B)       
          Notwithstanding anything to the contrary herein, neither Borrower nor Lender
          shall have any obligation to preserve the confidentiality of the other
          partys Confidential Information which: (i) was previously known to such
          party free of any obligation to keep it confidential; (ii) is or becomes
          publicly available, other than by disclosure to such party which disclosure is
          known to such receiving party to have been unauthorized; (iii) is made available
          to such party by a source, other than the disclosing party, which is not known
          to the receiving party to be bound under an obligbation of confidentiality with
          respect to the Information; or (iv) is independently developed by such party.


     (C)       
          The parties agree that, should third parties request a party or any of its
          employees, affiliates, advisors or representatives to submit the other
          partys Confidential Information to them pursuant to subpoena, summons,
          search warrant, governmental order, status or regulation, such party will notify
          the other party immediately upon receipt of such request, and thereafter
          promptly deliver written notice of the request to the other party so that such
          other party may seek, at its sole expense an appropriate protective order or
          other remedy or, if appropriate, waive compliance with the terms of this
          Agreement. Nothing herein shall preclude the disclosure of any information
          compelled by law, properly issued subpoena or court order.


SECTION
9.16. JURISDICTION; WAIVER. BORROWER ACKNOWLEDGES THAT THIS AGREEMENT IS
BEING SIGNED BY THE LENDER IN PARTIAL CONSIDERATION OF LENDERS RIGHT TO ENFORCE IN
THE JURISDICTION STATED BELOW THE TERMS AND PROVISION OF THIS AGREEMENT AND THE DOCUMENTS.
BORROWER CONSENTS TO JURISDICTION IN THE STATE OF ILLINOIS AND VENUE IN ANY FEDERAL OR
STATE COURT IN THE COUNTY OF COOK FOR SUCH PURPOSES AND WAIVES ANY AND ALL RIGHTS TO
CONTEST SAID JURISDICTION AND VENUE AND ANY OBJECTION THAT SAID COUNTY IS NOT CONVENIENT.
BORROWER WAIVES ANY RIGHTS TO COMMENCE ANY ACTION AGAINST LENDER IN ANY JURISDICTION
EXCEPT THE AFORESAID COUNTY AND STATE. LENDER AND BORROWER HEREBY EACH EXPRESSLY WAIVE ANY
AND ALL RIGHTS TO A TRIAL BY JURY IN ANY ACTION, PROCEEDING OR COUNTERCLAIM BROUGHT BY ANY
OF THE PARTIES AGAINST ANY OTHER PARTY WITH RESPECT TO ANY MATTER WHATSOEVER RELATING TO,
ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE LOANS, THE DOCUMENTS AND/OR THE
TRANSACTIONS WHICH ARE THE SUBJECT OF THE DOCUMENTS.
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

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|[THE REMAINDER
        OF THIS PAGE IS INTENTIONALLY LEFT
        BLANK. SIGNATURE PAGE FOLLOWS ON NEXT
        PAGE.]
|----------------------------------------------------------------------------------------------------------------------

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|IN
WITNESS WHEREOF, the parties hereto have caused this Agreement to be duly executed and
delivered at Cook County, Illinois as of the date first above written.
|----------------------------------------------------------------------------------------------------------------------------------------------------------------

|BORROWER: |  | ZONES, INC.
                         
By:  /s/ RONALD P. MCFADDEN
      
      Title: Senior Vice President & Chief
               Financial Officer
|--------- |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------

|LENDER: |  | TRANSAMERICA COMMERCIAL FINANCE
CORPORATION
                        
By:  /s/ CHRISTOPHER C. MEALS
      
      Title: Vice President - Credit
|------- |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------

|Page 36 of 38                                    
|-------------------------------------------------
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|TRANSAMERICA
        COMMERCIAL FINANCE CORPORATION ZONES, INC.LOAN AND SECURITY
        AGREEMENT
      EXHIBIT
        LIST
|------------------------------------------------------------------------------------------------------------------------------

|                                        | 
|--------------------------------------- | 
|                                        | 
|                                        | 
|[REDACTED]                              | 
|                                        | 
|[REDACTED]                              | 
|                                        | 
|Collateral
      Locations              | 
|                                        | 
|Designated
      Vendors                | 
|                                        | 
|IBMCC Credit
      Financing            | 
|                                        | 
|Permitted
      Indebtedness            | 
|                                        | 
|Tax Dispute                             | 
|                                        | 
|Permitted
      Liens                   | 
|                                        | 
|Litigation/Contingent
      Liabilities | 
|                                        | 
|Burdensome
      Obligations            | 
|                                        | 
|Businesses                              | 

|
|

|EXHIBIT
        1.1-1 TO ZONES, INC.  LOAN AND SECURITY AGREEMENT


[REDACTED]
|-------------------------------------------------------------------------------

|EXHIBIT
              1.1-2 TO ZONES, INC. LOAN
              AND SECURITY AGREEMENT


[REDACTED]
|--------------------------------------------------------------------------------------------------

|EXHIBIT
                    1.1-3 TO ZONES, INC. LOAN
                    AND SECURITY AGREEMENT

                  COLLATERAL
                    LOCATIONS

1.    
                    707 South Grady Way Renton, Washington 98055-3233

                  2.    
                    4330 150th Avenue, NE Redmond, Washington
                    98052

                  3.    
                    Airborne Logistics Services Wilmington, Ohio 45177-9390

                  4.    
                    170 Gallagher Crest Road Henderson, Nevada 98014
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|EXHIBIT
                    1.1-4 TO ZONES, INC. LOAN
                    AND SECURITY AGREEMENT

                  DESIGNATED
                    VENDORS

[REDACTED]
|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------

|EXHIBIT
                    1.1-5 TO ZONES, INC.  LOAN
                    AND SECURITY AGREEMENT

                  IBMCC
                    CREDIT FINANCING

The Borrower has a Five Million
Dollar ($5,000,000) credit facility with IBM Credit Corporation, which is secured by
inventory of Borrower purchased from IBM.
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|EXHIBIT
                    1.1-6 TO ZONES, INC. LOAN
                    AND SECURITY AGREEMENT

                  PERMITTED
                    INDEBTEDNESS

Other than
indebtedness disclosed in Borrowers financial
statements as of September 30, 2002, none.
|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|EXHIBIT
1.1-7 TO ZONES, INC.  
LOAN AND SECURITY AGREEMENT

                  TAX DISPUTE


The Washington
State Department of Revenue (the
Department) is currently examining the
Companys state tax returns for the
years 1996, 1997, 1998 and 1999. The
Company has received a final report, and
the Department has assessed $2.1 million plus
approximately $800,000 of accrued interest. The
Company disagrees with substantially all of the
deficiencies and is contesting such deficiencies
through the administrative appeals process.
There can be no assurance that the
Company will be successful, in whole or
in part, in challenging the proposed
deficiencies. Additionally, the Department may also
make a similar assessment for 2000, 2001
and 2002. An unfavorable decision could have
a material adverse effect on the Company.
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|EXHIBIT
                    1.1-8 TO ZONES, INC. LOAN
                    AND SECURITY AGREEMENT

                  PERMITTED
                    LIENS


                  1.    
                    Citicorp Vendor Finance - #2001-235-0246;

                  2.    
                    Pitney Bowes Credit Corporation - #2000-108-0563;

                  3.    
                    RETAILLEASE.com - #2000-364-0054;

                  4.    
                    GE Capital - #98-212-0129;

                  5.    
                    Primesource Corporation - #98-307-0149;

                  6.    
                    T & W Financial Services Company - #99-068-0253;
                  7.    
                    US Bank - #1999-200-0571; and

8.    
          Sun Microsystems Finance - #2000-322-0440.
|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|EXHIBIT
                    4.1(G) TO ZONES, INC. LOAN
                    AND SECURITY AGREEMENT

                  LITIGATION
                    / CONTINGENT LIABILITIES


[REDACTED]
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|EXHIBIT
                    4.1(I)TO ZONES, INC. LOAN
                    AND SECURITY AGREEMENT

                  BURDENSOME
                    OBLIGATIONS

None
|---------------------------------------------------------------------------------------------------------------------------------------------------------------------

|EXHIBIT
                    5.1(N) TO ZONES, INC. LOAN
                    AND SECURITY AGREEMENT

                  BUSINESSES


None
|---------------------------------------------------------------------------------------------------------------------------------------