|PROMISSORY NOTE
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|Borrower: | Nationwide Financial Solutions, Inc.
    3231 S. Country Club Way #102
    Tempe, AZ 85282 | Lender: | JPMorgan Chase Bank, NA
    East Valley Business Banking LPO
    20 E. University Drive
    Tempe, AZ 85281
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|Principal Amount:   $200,000.00 | Date of Note:  April 25, 2005
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|PROMISE TO PAY. Nationwide Financial Solutions, Inc. (Borrower) promises to pay to JPMorgan Chase Bank,
  NA (Lender), or order. In lawful money of the United States of America, the principal
  amount of Two Hundred Thousand & 00/100 Dollars ($200,000.00) Or so much as may be outstanding,
  together with Interest on the unpaid outstanding principal balance of each advance. Interest shall
  be calculated from the date of each advance until repayment of each advance.
    PAYMENT. Borrower will pay this loan in one payment of all outstanding principal plus all accrued unpaid interest
  on May 5, 2007. In addition, Borrower will pay regular monthly payments of all accrued unpaid Interest
  due as of each payment date, beginning June 5, 2005, with all subsequent interest payments to be
  due on the same day of each month after that. Payments and any other credits shall be allocated among
  principal, interest and fees at the discretion of Lender unless otherwise required by applicable
  law. The annual interest rate for this Note is computed on a 365/360 basis; that is. by applying
  the ratio of the annual interest rate over a year of 360 days, multiplied by the outstanding principal
  balance, multiplied by the actual number of days the principal balance is outstanding. Borrower will
  pay Lender at Lenders address shown on loan account statements sent to the Borrower, Lenders
  address shown in any payment coupon book provided to the Borrower, or at such other place as Lender
  may designate in writing.
  VARIABLE  INTEREST RATE. The interest rate on this Note is subject to change from time to time based on changes in an index
  which is the Prime Rate (the Index). Prime Rate shall mean the rate announced
  from time to time by Lender as its prime rate (which rate may not be the lowest, best or most favorable
  rate of interest which Lender may charge on loans to its customers). Each change in the rate to be
  charged on this Note will become effective without notice on the same day as the Index changes. The
  interest rate to be applied to the unpaid principal balance of this Note will be at a rate equal
  to the Index.NOTICE: Under no circumstances will the interest rate on this Note be more than the maximum rate allowed by
  applicable law.
  EFFECTIVE RATE. Borrower agrees to an effective rate of interest that is the rate specified in this Note plus any additional
  rate resulting from any other charges in the nature of interest paid or to be paid in connection
  with this Note.
  PREPAYMENT. Borrower may pay without fee all or a portion of the principal amount owed hereunder earlier than
  it is due. All prepayments shall be applied to the Indebtedness in such order and manner as Lender
  may from time to time determine in its sole discretion. Borrower agrees not to send Lender payments
  marked paid in full, without recourse, or similar language. If Borrower sends
  such a payment. Lander may accept it without losing any of Lenders rights under this Note,
  and Borrower will remain obligated to pay any further amount owed to Lender. All written communications
  concerning disputed amounts, including any check or other payment instrument that indicates that
  the payment constitutes payment in full of the amount owed or that is tendered with other
  conditions or limitations or as full satisfaction of a disputed amount must be mailed or delivered
  to: Business Banking Loan Servicing Disputed Accounts Department, P.O, Box 901008 Fort Worth, TX 76101-2008.      LATE CHARGE. If a payment is 10 days or more late, Borrower will be charged 5.000% of the regularly scheduled payment
  or S25.00, whichever is greater.
  INTEREST AFTER DEFAULT.Upon the occurrence of any Event of Default, including failure to pay upon final maturity, at Lenders
  option, and if permitted by applicable law, Lender may add any unpaid accrued interest to principal
  and such sum will bear interest there from until paid at the rate provided in this Note (including
  any increased rate). Upon the occurrence of any Event of Default, Lender, at its option, may, if
  permitted under applicable law, increase the variable interest rate on this Note to 3.000 percentage
  points over the Index, The interest rate will not exceed the maximum rate permitted by applicable law.
  DEFAULT. Each of the following shall constitute an event of default (Event of Default) under this
  Note:

| | Payment Default.    Borrower fails to make any payment when due under this Note.
      Other Defaults.Borrower fails to comply with or to perform any other term, obligation, covenant or condition contained in this Note or in any of the related documents or to comply with or to perform any term, obligation, covenant or condition contained in any other agreement between Lender and Borrower.
      Transfer of Assets. Borrower leases, sells, or otherwise conveys, or agrees to lease, sell, or otherwise convey, a material part of its assets or business outside of the ordinary course of business.
      Defaults with Respect to Third Parties.Borrower fails to make any payment when due or fails to comply with or to perform any term, obligation, covenant or condition contained in any agreement between any other person and Borrower.
      False Statements. Any warranty, representation or statement made or furnished to Lender by Borrower or on Borrowers behalf under this Note or the Related Documents is false or misleading in any material respect, either now or at the time made or furnished or becomes false or misleading at any time thereafter.
      Judgments or Decrees. One or more judgments or decrees shall be entered against the Borrower and such judgments or decrees shall not have been vacated, discharged, stayed or bonded pending appeal.
      Insolvency. The dissolution or termination of Borrowers existence as a going business, the insolvency of Borrower, the appointment of a receiver for any part of Borrowers property, any assignment for the benefit of creditors, any type of creditor workout, or the commencement of any proceeding under any bankruptcy or insolvency laws by or against Borrower.
      Creditor or Forfeiture Proceedings. Commencement of foreclosure, replevin, repossession, attachment, levy, execution, or forfeiture proceedings, whether by judicial proceeding, self-help, or any other method, by any creditor of Borrower, or by any governmental agency against the Collateral or any other assets or Borrower. This includes a garnishment of any of Borrowers accounts, including deposit accounts, with Lender. However, this Event of Default shall not apply if there is a good faith dispute by Borrower as to the validity or reasonableness of the claim which is the basis of the creditor or forfeiture proceeding and if Borrower gives Lender written notice of the creditor or proceeding and deposits with Lender monies or a surety bond for the creditor or forfeiture proceeding, in an amount determined by Lender, in its sole discretion, as being an adequate reserve or bond for the dispute.
      Failure to Comply with Laws.  Borrower fails to comply with all applicable statutes, laws, ordinances and governmental rules, regulation and orders to which it is subject or which are applicable to its business, property and assets.
      Change in Ownership. Any change in ownership of twenty-five percent (25%) or more of the common of the common stock of Borrower.
      Adverse Change.A material adverse change occurs in Borrowers financial condition, or Lender believes the prospect of payment or performance of this Note is impaired.
      Events Affecting Guarantor. Any of the preceding Events of Default occurs with respect to any guarantor of the Indebtedness as if the word guarantor were substituted for the word Borrower in which Event of Default, or any guarantor dies or becomes Incompetent, or revokes or disputes the validity of, or liability under, any guaranty.
      Insecurity. Lender in good faith believes itself insecure.
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|LENDERS RIGHTS.Upon the occurrence of any Event of Default, Lender may declare the entire unpaid principal balance on this Note and the Indebtedness and all accrued unpaid interest immediately due, without notice (except that in the case of any Event of Default of the type described in the DEFAULT  Insolvency section herein, such acceleration shall be automatic and not at Lenders option), and then Borrower will pay that amount. Borrower shall be liable for any deficiency remaining after disposition of any collateral which Lender may choose to realize upon.
      ATTORNEYS FEES; EXPENSES. Lender may hire or pay someone else to help collect this Note if Borrower does not pay. Borrower will pay Lender that amount. This includes, subject to any limits under applicable law, Lenders attorneys fees and Lenders legal expenses, whether or not there is a lawsuit, including attorneys fees, expenses for bankruptcy proceedings (including efforts to modify or vacate any automatic stay or injunction), and appeals. However, Borrower will only pay attorneys fees of an attorney not Lenders salaried employee, to whom the matter is referred after Borrowers default. If not prohibited by applicable law, Borrower also will pay any court costs, in addition to all other sums provided by law.
      DISHONORED ITEM FEE.Borrower will pay a fee to Lender of $25.00 if Borrower makes a payment on Borrowers loan and the check or preauthorized charge with which Borrower pay is later dishonored.
    RIGHT OF SETOFF.   Borrower grants to Lender a security interest in, as well as a right of setoff against, and hereby assigns, conveys, delivers, delivers, pledges and transfers to Lender as security for repayment of the Indebtedness, all Borrowers right, title and interest in and to all Borrowers

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|PROMISSORY NOTE
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|accounts (whether checking, savings, or some other account) with Lender or any subsidiary or affiliate
  of JPMorgan Chase & Co. (each hereinafter referred to as a Lender Affiliate) and
  all other obligations at any time owing by Lender or any Lender Affiliate to Borrower. This includes
  all accounts Borrower holds jointly with someone else and all accounts Borrower may open in
  the future. However, this does not include any IRA or Keogh accounts, or any trust accounts for which the grant of a security interest would be prohibited
  by law. Borrower authorizes Lender, without prior notice to Borrower and irrespective of (i) whether
  or not Lender has made any demand under this Note or the Related Documents or (ii) whether such Indebtedness
  is contingent, matured or unmatured, to the extent permitted by law, to collect, charge and/or setoff
  all sums owing on the Indebtedness against any and all such accounts and other obligations, and,
  at Lenders option, to administratively freeze or direct a Lender Affiliate to administratively
  freeze all such accounts and other obligations to allow Lender to protect Lenders security
  interest, collection, charge and setoff rights provided in this paragraph.                                                                                                                                                                                                                                                                                                                                         
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|COLLATERAL. Borrower acknowledges this Note is secured by security interest in and lien upon all collateral described
  in any Related Document.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    
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|LINE OF CREDIT. This Note evidences a revolving line of credit. The unpaid principal balance of this Note shall increase
  and decrease with each new advance and payment hereunder, as the case may be. Subject to the terms
  hereof, Borrower may borrow, repay and reborrow hereunder. Advances under this Note, as well as directions
  for payment from Borrowers accounts, may be requested orally or in writing by Borrower or by
  an authorized person. Lender may, but need not, require that all oral requests be confirmed in writing.
  Borrower agrees to be liable for all sums either: (A) advanced in accordance with the instructions
  of an authorized person or (B) credited to any of Borrowers accounts with Lender. Lender will
  have no obligation to advance funds under this Note if: (A) Borrower or any guarantor is in default
  under the terms of this Note or any agreement that Borrower or any guarantor has with Lender, including
  any agreement made in connection with the signing of this Note; (B) Borrower or any guarantor ceases
  doing business or is insolvent; (C) any guarantor seeks, claims or otherwise attempts to limit, modify
  or revoke such guarantors guarantee of this Note or any other loan with Lender; (D) Borrower
  has applied funds provided pursuant to this Note for purposes other than those authorized by Lender;
  or (E) Lender in good faith believes itself insecure.                                                                                                                                                           
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|LATE CHARGES.  In the Late Charge provision set forth above, the following language is hereby added after
  the word greater; up to the maximum amount of Two Hundred fifty Dollars ($250.00)
  per late charge.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              
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|FINANCIAL STATEMENTS. Borrower shall furnish Lender with such financial statements and other related information at such
  frequencies and in such detail as Lender may reasonably request.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         
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|ENFORCEABILITY AND ORGANIZATION. Borrower is duly authorized to transact business in all states in which Borrower is doing Business,
  having obtained all necessary filings, governmental licenses and approvals for each state in which
  Borrower is doing business. Borrowers execution, delivery and performance of this Note and
  all the Related Documents have been duly authorized by all necessary action by Borrower. This Note
  and all the Related Documents constitute legal, valid and binding obligations of Borrower enforceable
  against Borrower in accordance with their respective terms. If applicable, Borrower is an entity
  which is, and at all times shall be, duly organized, validly existing, and in good standing under
  and by virtue of the laws of the state of its organization.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           
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|INFORMATION WAIVER. Lender may provide, without any limitation whatsoever, to any one or more purchasers, potential purchasers,
  or affiliates of JPMorgan Chase & Co., any information or knowledge Lender may have about the
  undersigned or about any matter relating to this document and the Related Documents, and the undersigned
  hereby waives any right to privacy the undersigned may have with respect to such matters.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              
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|INDEBTEDNESS. The word indebtedness means all principal, interest, and other amounts, costs and expenses
  payable under the Note or Related Documents, together with all renewals of, extensions of, modifications
  of, consolidations of and substitutions for the Note or Related Documents, together with interest
  on such amounts as provided in this Note, and all obligations, debts and liabilities, plus interest
  thereon, of Borrower or any one or more of them to Lender, as well as all claims by Lender against
  Borrower or any one or more of them, whether now existing or hereafter arising, whether related or
  unrelated to the purpose of this Note, whether voluntary or otherwise, whether due or not due, direct
  or indirect, absolute or contingent, liquidated or unliquidated and whether Borrower may be liable
  individually or jointly with others, whether obligated as guarantor, surety, accommodation party
  or otherwise and whether recovery upon such amounts may be or hereafter become barred by any statute
  of limitations, and whether the obligation to repay such amounts may be or hereafter become otherwise
  unenforceable; and further includes, without limitation, all principal, interest, and other amounts,
  costs and expenses payable under the Related Documents, whether executed by the Borrower or by any
  other person or entity, together with all renewals of, extensions of, modifications of, consolidations
  of and substitutions for the Related Documents, together with interest thereon as provided in the Related Documents.
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|RELATED DOCUMENTS. The words Related Documents mean all promissory notes, credit agreements, loan agreements,
  environmental agreements, guaranties, security agreements, mortgages, deeds of trust, security deeds,
  collateral mortgages, and all other instruments, agreements and documents, whether now existing or
  hereafter arising, executed in connection with the Indebtedness.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     
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|LIABILITIES FOR OBLIGATIONS UNDER RELATED DOCUMENTS.Borrower also promises to pay to Lender all of the Indebtedness. Borrower acknowledges that some of
  the Related Documents, pursuant to which Indebtedness may arise, may be executed only by persons
  or entities other than the Borrower.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   
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|PURPOSE. Borrower agrees that no advances under this Note shall be used for personal, family or household purposes
  and that all advances hereunder shall be used solely for business, commercial, agricultural or other
  similar purposes.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       
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|ARBITRATION.Undersigned and Lender agree that all disputes, claims and controversies between them whether individual,
  joint, or class in nature, arising from this document or otherwise, including without limitation
  contract and tort disputes, shall be arbitrated pursuant to the Rules of the American Arbitration
  Association in effect at the time the claim is filed, upon request of either party. No act to take
  or dispose of any Collateral or Property (as defined herein or in any Related Document) securing
  this document shall constitute a waiver of this arbitration agreement or be prohibited by this arbitration
  agreement. This includes, without limitation, obtaining injunctive relief or a temporary restraining
  order; invoking a power of sale under any deed of trust or mortgage; obtaining a writ of attachment
  or imposition of a receiver; or exercising any rights relating to personal property, including taking
  or disposing of such property with or without judicial process pursuant to applicable law. Any disputes,
  claims, or controversies concerning the lawfulness or reasonableness of any act, or exercise of any
  right, concerning any Collateral or Property securing this document, including any claim to rescind, reform, of otherwise modify any agreement relating to the Collateral or Property securing this document, shall
  also be arbitrated, provided however that no arbitrator shall have the right or the power to enjoin
  or restrain any act of any party. Judgment upon any award rendered by any arbitrator may be entered
  in any court having jurisdiction. Nothing in this document shall preclude any party from seeking
  equitable relief from a court of competent jurisdiction. The statute of limitations, estoppel, waiver,
  laches, and similar doctrines which would otherwise be applicable in an action brought by a party
  shall be applicable in any arbitration proceeding, and the commencement of an arbitration proceeding
  shall be deemed the commencement of an action for these purposes. The Federal Arbitration Act shall
  apply to the construction, interpretation, and enforcement of this arbitration provision.
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|JURY WAIVER.THE UNDERSIGNED AND LENDER (BY ITS ACCEPTANCE HEREOF) HEREBY VOLUNTARILY, KNOWINGLY IRREVOCABLY AND
  UNCONDITIONALLY WAIVE ANY RIGHT TO HAVE A JURY PARTICIPATE IN RESOLVING ANY DISPUTE (WHETHER BASED
  UPON CONTRACT, TORT OR OTHERWISE) BETWEEN OR AMONG THE UNDERSIGNED AND LENDER ARISING OUT OF OR IN
  ANY WAY RELATED TO THIS DOCUMENT, THE RELATED DOCUMENTS, OR ANY RELATIONSHIP BETWEEN OR AMONG THE
  UNDERSIGNED AND LENDER. THIS PROVISION IS A MATERIAL INDUCEMENT TO LENDER TO PROVIDE THE FINANCING
  EVIDENCED BY THIS DOCUMENT AND THE RELATED DOCUMENTS.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  
|GOVERNING LAW. The Lenders loan production office for this transaction is located at the address and in the
  State (the LPO State) indicated in the LPO address or the loan production office address
  on the first page of this document. This document will be governed by and interpreted in accordance
  with federal law and the laws of the LPO State, except for matters related to interest and the exportation
  of interest, which matters shall be governed by and interpreted in accordance with federal law (including,
  but not limited to, statutes, regulations, interpretations and opinions) and the laws of the State
  of Ohio. However, if there is ever a question about whether any provision of this document is valid
  or enforceable, the provision that is questioned will be governed by whichever state or federal law
  would find the provision to be valid and enforceable. The loan transaction which is evidenced by
  this document has been made in the State of Ohio.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 
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|VENUE. If there is a lawsuit, the undersigned agrees to submit to the jurisdiction of the courts of the county
  in the LPO State in which the Lenders loan production office is located.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        

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|GENERAL PROVISIONS. If any part of this Note cannot be enforced, this fact will not affect the rest of this Note. It is
agreed that any payment which would otherwise for any reason be deemed unlawful interest under applicable
law shall be deemed to have been applied to the unpaid principal balance of this Note, or to other
Indebtedness. The unpaid balance owing on this Note at any time may be evidenced by endorsements
on this Note or by Lenders internal records, including daily computer print-outs. Lender may
delay or forgo enforcing any of its rights or remedies under this Note without losing them. Borrower
and any other person who signs, guarantees or endorses this Note, to the extent allowed by law, waive
presentment, demand for payment, and notice of dishonor. Upon any change in the terms of this Note,
and unless otherwise expressly stated in writing, no party who signs this Note, whether as maker,
guarantor, accommodation maker of endorser, shall be released from liability. All such parties agree
that Lender may renew or extend (repeatedly and for any length of lime) this loan or release any
party or guarantor or collateral; or impair, fail to realize upon or perfect Lenders security
interest in the collateral; and take any other action deemed necessary by Lender without the consent
of or notice to anyone. All such parties also agree that Lender may modify this loan without

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|PROMISSORY NOTE
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|terms and conditions of this Note, no alternation of or amendment to this Note shall be effective unless
given in writing and signed by the party or parties sought to be charged or bound by the alternation
or amendment. Borrower agrees and consents to Lenders sale or transfer, whether now or later,
of this Note, or the Related Documents or of any participation interest in this Note or Related Documents
to one or more purchasers, whether related or unrelated to Lender. Borrower waives any and all notices
of sale of this Note, the Related Documents or of any participation interests, as well as any notices
of any repurchases of this Note, the Related Documents, or any participation interests. The obligations
under this Note are joint and several.
PRIOR TO SIGNING THIS NOTE, BORROWER READ AND UNDERSTOOD ALL THE PROVISIONS OF THIS NOTE, INCLUDING
THE VARIABLE INTEREST RATE PROVISIONS, BORROWER AGREES TO THE TERMS OF THE NOTE.
BORROWER ACKNOWLEDGES RECEIPT OF A COMPLETED COPY OF THIS PROMISSORY NOTE.
BORROWER:
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|                                     |                                                                                     |     |                                                                      
|NATIONWIDE FINANCIAL SOLUTIONS, INC.
|                                     |                                                                                     |     |                                                                      
|By:                                  | /s/ Darren R. Dierich                                                               | By: | /s/ Stephen G. Luke                                                  
|                                     |                                                                                     |     |                                                                      
|                                     | Darren R. Dierich, Chief Fin. Officer/Secy of
 Nationwide Financial Solutions, Inc. |     | Stephen G. Luke, CEO of
    Nationwide Financial 
     Solutions Inc.

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