EXHIBIT 10.2

                                               BUSINESS FLEX LINE OF CREDIT NOTE
                                                                        Maryland

NOVEMBER 29, 2005                                                    $180,000.00

   BORROWER: CHESAPEAKE LOGISTICS LLC, a limited liability company organized
   under the laws of Maryland

   Address of residence/chief executive office: 5304 Sunnyside Avenue,
   Beltsville, Maryland 20705

   BANK: MANUFACTURERS AND TRADERS TRUST COMPANY, a New York banking corporation
   with banking offices at One M&T Plaza, Buffalo, New York 14240 Attention:
   Office of General Counsel

   PROMISE TO PAY. For value received, and intending to be legally bound,
   Borrower promises to pay to the order of the Bank on demand (or, if this Note
   has been converted to a term note, on the schedule set forth below), the
   principal sum of ONE HUNDRED EIGHTY THOUSAND DOLLARS AND NO CENTS
   ($180,000.00) (the "Maximum Principal Amount") or the actual outstanding
   principal amount under this Note (the "Outstanding Principal Amount"), if
   less; plus interest as agreed below and all fees and costs (including without
   limitation attorneys' fees and disbursements, whether for internal or outside
   counsel) the Bank incurs in order to collect any amount due under this Note,
   to negotiate or document a workout or restructuring, or to preserve its
   rights or realize upon any guaranty or other security for the payment of this
   Note (the "Expenses").

   INTEREST. The Outstanding Principal Amount of this Note shall earn interest
   calculated on the basis of a 360-day year for the actual number of days of
   each year (365 or 366) from and including the date the proceeds of this Note
   were disbursed to, but not including, the date all amounts hereunder are paid
   in full, at a rate per year which shall on each day be 1.5 PERCENTAGE POINTS
   ABOVE THE HIGHEST PRIME RATE PUBLISHED IN THE WALL STREET JOURNAL in its
   table entitled "Money Rates" or such similar publication, quoting service or
   commonly available source used by the Bank for determining prime rate of
   interest. If no rate is specified, interest shall accrue at the Maximum Legal
   Rate (defined below) at all times prior to payment in full.

   DEFAULT RATE. If the Bank does not actually receive any payment under this
   Note when due and/or, after the Conversion Date, upon the occurrence of an
   Event of Default (defined below), the interest rate on the Outstanding
   Principal Amount shall automatically increase to 5 percentage points above
   the otherwise applicable rate per year, and any judgment entered hereon or
   otherwise in connection with any suit to collect amounts due hereunder shall
   bear interest at such default rate.

   MAXIMUM LEGAL RATE. It is the intent of the Bank and of Borrower that in no
   event shall interest be payable at a rate in excess of the maximum rate
   permitted by applicable law (the "Maximum Legal Rate"). Solely to the extent
   necessary to prevent interest under this Note from exceeding the Maximum
   Legal Rate, any amount that would be treated as excessive under a final
   judicial interpretation of applicable law shall be deemed to have been a
   mistake and automatically canceled, and, if received by the Bank, shall be
   refunded to Borrower.

   REPAYMENT OF PRINCIPAL AND INTEREST. Absent demand for repayment in full,
   interest on the Outstanding Principal Amount shall be due and payable
   monthly. Absent demand for payment in full and until the Conversion Date, if
   any, principal payments may be made at any time at Borrower's discretion,
   subject to the Annual Cleanup described below. Payments shall be made in
   immediately available funds at any banking office of the Bank.

   LATE CHARGE. If Borrower fails to pay the whole or any installment of
   principal or interest within 5 days of its due date, Borrower shall pay a
   late charge equal to the greatest of (a) $50.00 (b) 5% of the delinquent
   amount, or (c) the Bank's then current late charge as announced from time to
   time; provided, however, that any excess collected by mistake shall be
   refunded on request, and each such late charge shall be separately charged
   and collected by the Bank.

   APPLICATION OF PAYMENTS. Payments may be applied in any order in the sole
   discretion of the Bank but, prior to demand or default, shall be applied
   first to past due interest, Expenses, late charges and principal, then to
   current interest, Expenses, late charges and principal, and last to remaining
   principal.

   SETOFF. The Bank shall have the right to set off against the amounts owing
   under this Note any property held in a deposit or other account with the Bank
   or any of its affiliates ("Affiliate") or otherwise owing by the Bank or any
   Affiliates in any capacity to Borrower or any guarantor or endorser of this
   Note (a "Guarantor"). Such set-off shall be deemed to have been exercised
   immediately at the time the Bank or such Affiliate elect to do so.

   AUTHORIZED REPRESENTATIVES. This Note is issued by Borrower to the Bank in
   connection with a certain line of credit made available by the Bank to
   Borrower (the "Credit"). The Bank may make any loan or payment pursuant to
   the Credit (the "Loan(s)") in reliance upon any oral, telephonic, written,
   teletransmitted or other request (the "Request(s)") that the Bank in good
   faith believes to be valid and to have been made by Borrower or on behalf of
   Borrower by REGINA FLOOD, MEMBER OR BRIAN P. FLOOD, MEMBER (actual name and
   capacity) (each an "Authorized Person"). Mention of the Authorized Person's
   name in the prior sentence is for reference purposes only and the Bank shall
   rely on the title to ascertain whether someone is an Authorized Person. The
   Bank may act on the Request of any Authorized Person until the Bank shall
   have received from Borrower, and had a reasonable time to act on, written
   notice revoking the authority of such Authorized Person. The Bank shall incur
   no liability to Borrower or to any other person as a direct or indirect
   result of making any Loan pursuant to this paragraph.

   MINIMUM ADVANCE. Each Loan requested by BORROWER SHALL EQUAL $5,000 OR MORE.
   Advances for smaller amounts will be subject to a $25.00 processing fee.

   DISCRETIONARY FACILITY. The Bank may modify, restrict, suspend or terminate
   the Credit at any time for any reason and without affecting Borrower's then
   existing obligations under this Note. Any Request for a Loan hereunder shall
   be limited in amount, such that the sum of (i) the principal amount of such
   Request; (ii) the Outstanding Principal Amount under this Note; and (iii) the
   aggregate face amounts of (or, if greater, Borrower's aggregate reimbursement

<PAGE>

   obligations to the Bank (or any of its affiliates) in connection with) any
   letters of credit issued by the Bank (or any of its affiliates) at the
   request (or for the benefit of) Borrower, pursuant to this Credit; does not
   exceed the Maximum Principal Amount under this Note. Notwithstanding the
   above, the Bank shall have the sole and absolute discretion whether to make
   any Loan (or any portion of any Loan) requested by Borrower, regardless of
   any general availability under the Maximum Principal Amount.

   DEMAND FACILITY. Until the Conversion Date, if any, this is a demand Note and
   all Loans hereunder shall become immediately due and payable upon demand by
   the Bank, provided, however, the Outstanding Principal Amount of this Note
   and all accrued and unpaid interest shall automatically become immediately
   due and payable if Borrower or any Guarantor commences or has commenced
   against it any bankruptcy or insolvency proceeding. Borrower hereby waives
   protest, presentment and notice of any kind in connection with this Note.

   ANNUAL CREDIT REVIEW FEE. Borrower shall pay on or before each anniversary of
   this Note a non-refundable credit review fee equal to the greater of (a) 1/2%
   of the Maximum Principal Amount or (b) $250. Borrower acknowledges and
   understands that payment of such credit review fee shall not entitle Borrower
   to any assurances of availability of credit hereunder, nor otherwise alter or
   compromise the discretionary or demand nature of this credit facility.

   ANNUAL 30-DAY CLEANUP. Borrower agrees that, once each year, it shall pay all
   principal, interest and Expenses outstanding under this Note at the
   commencement of a 30-day period chosen by Borrower. No Loans shall be
   requested or advanced during the 30-day period (the "Annual Cleanup").

   CONVERSION TO TERM NOTE; CONVERSION DATE. If Borrower fails to perform the
   Annual Cleanup, or if the Bank elects to terminate the Credit, the Bank may,
   at its option, and upon written notice to Borrower, declare this Note
   converted as of a certain date (the "Conversion Date") to a 3-year term
   obligation. The Maturity Date of this Note will then be the third anniversary
   of the Conversion Date.

   REPAYMENT UPON CONVERSION TO TERM NOTE. After the Conversion Date, if any,
   Borrower shall repay the Outstanding Principal Amount in 36 equal monthly
   installments, commencing on the first day of the first month following the
   Conversion Date and continuing on the first day of each of the succeeding 35
   months. The last such payment shall also include other amounts outstanding
   under this Note. Until the Outstanding Principal Amount is paid in full,
   Borrower shall continue to pay interest on the first day of each month
   calculated in accordance with the terms of this Note.

   PREPAYMENT PROVISION. Borrower may prepay this Note in whole or in part at
   any time without premium or penalty. After the Conversion Date, upon making
   any prepayment of the principal in whole, Borrower shall pay to the Bank all
   interest and Expenses owing pursuant to this Note and remaining unpaid. After
   the Conversion Date, each partial prepayment of the Principal shall be
   applied in inverse order of maturity.

   FINANCIAL AND OTHER INFORMATION; CERTIFICATES OF NO DEFAULT. While this Note
   is in effect, Borrower shall promptly deliver to the Bank copies of all
   annual reports, proxy statements and similar information distributed to
   shareholders or partners, and of all filings with the Securities and Exchange
   Commission and the Pension Benefit Guaranty Corporation and shall provide, in
   form satisfactory to the Bank: (a) within sixty days after the end of each of
   Borrower's first three fiscal quarters, consolidating and consolidated
   statements of income and cash flows for such quarter, for the corresponding
   quarter in the previous fiscal year, and for the period from the end of the
   previous fiscal year, with a consolidating and consolidated balance sheet as
   of the quarter end; and (b) within ninety days after the end of each fiscal
   year, consolidating and consolidated statements of Borrower's income and cash
   flows and its consolidating and consolidated balance sheet as of the end of
   such fiscal year, setting forth comparative figures for the preceding fiscal
   year, such statement to be:
           [ ] AUDITED     [ ] REVIEWED     [X] COMPILED
   by an independent certified public accountant acceptable to the Bank. All
   such statements shall be certified by Borrower's chief financial officer or
   partner to be correct and in accordance with Borrower's records and to
   present fairly the results of Borrower's operations in conformity with
   generally accepted accounting principles. With each statement of income,
   Borrower shall provide a certificate executed by its chief executive and
   chief financial officers or managing partners stating that no Event of
   Default occurred during the period, or if an Event of Default did occur,
   describing its nature, the date(s) of its occurrence or period of existence
   and what action Borrower has taken with respect thereto. If no box is checked
   above, Borrower shall supply financial reports immediately upon the Bank's
   request in the form and number of copies and at the times satisfactory to the
   Bank.

   BANK RECORDS CONCLUSIVE. The Bank shall set forth on a schedule attached to
   this Note or maintained on computer, the date and original principal amount
   of each Loan and the date and amount of each payment to be applied to the
   Outstanding Principal Amount of this Note. The Outstanding Principal Amount
   set forth on any such schedule shall be presumptive evidence of the aggregate
   Outstanding Principal Amount of this Note and of all Loans. No failure by the
   Bank to make, and no error by the Bank in making, any annotation on any such
   schedule shall affect Borrower's obligation to pay the principal and interest
   of each Loan or any other obligation of Borrower to the Bank pursuant to this
   Note.

   EVENTS OF DEFAULT AFTER CONVERSION TO TERM NOTE. Upon and after the
   Conversion Date, if any, the following constitute an event of default ("Event
   of Default") under this Note: (i) failure by Borrower to make any payment
   when due (whether at the stated maturity, by acceleration or otherwise) of
   the amounts due under this Note, or any part thereof, or there occurs any
   EVENT or condition which after notice, lapse of time or both will permit such
   acceleration; (ii) Borrower defaults in the performance of any covenant or
   other provision with respect to this Note or any other agreement between
   Borrower and the Bank or any Affiliate; (iii) Borrower fails to pay when due
   (whether at the stated maturity, by acceleration or otherwise) any
   indebtedness for borrowed money owing to any third party or Affiliate or the
   occurrence of any event which could result in acceleration of payment of any
   such indebtedness or the failure to perform any agreement with any third
   party or Affiliate; (iv) the reorganization, merger, consolidation or
   dissolution of Borrower (or the making of any agreement therefor); the sale,
   assignment, transfer or delivery of all or substantially all of the assets of
   Borrower to a third party; or the cessation by Borrower as a going business
   concern; (v) the death or judicial declaration of incompetency of Borrower,
   if an individual; (vi) failure to pay, withhold or collect any tax as
   required by law; the service or filing against Borrower or any of its assets
   of any lien (other than a lien permitted in writing by the Bank), judgment,
   garnishment, order or award; (vii) if Borrower becomes insolvent or is
   generally not paying its debts as such debts become due; (viii) the making of
   any general assignment by Borrower for the benefit of creditors; the
   appointment of a receiver or similar trustee for Borrower or its assets; or
   the making of any, or sending notice of any intended, bulk sale; (ix)
   Borrower commences, or has commenced against it, any proceeding or request
   for relief under any bankruptcy, insolvency or similar laws now or hereafter
   in effect in the United States of America or any state or territory thereof
   or any foreign jurisdiction or any formal or informal proceeding for the
   dissolution or liquidation of, settlement of claims against or winding up of
   affairs of Borrower; (x) any representation or warranty made in this Note,
   any related document, any agreement between Borrower and the Bank or any
   Affiliate or in any financial statement of Borrower proves to have been
   misleading in any material respect when made; Borrower omits to state a
   material fact necessary to make the statements made in this Note, any related

<PAGE>

   document, any agreement between Borrower and the Bank or any Affiliate or any
   financial statement of Borrower not misleading in light of the circumstances
   in which they were made; or, if upon the date of execution of this Note,
   there shall have been any materially adverse change in any of the facts
   disclosed in any financial statement, representation or warranty that was not
   disclosed in writing to the Bank at or prior to the time of execution hereof;
   (xi) any pension plan of Borrower fails to comply with applicable law or has
   vested unfunded liabilities that, in the opinion of the Bank, might have a
   material adverse effect on Borrower's ability to repay its debts; (xii) the
   occurrence of any event described in sub-paragraph (i) through and including
   (xi) hereof with respect to any Guarantor or any other party liable for, or
   whose assets or any interest therein secures, payment of any of the amounts
   due under this Note; (xiii) there occurs any change in the management or
   ownership of Borrower or any Guarantor which is, in the opinion of the Bank,
   materially adverse to its interest and which remains uncorrected for thirty
   days after the Bank notifies Borrower of its opinion; (xiv) Borrower fails to
   supply new or additional collateral within ten days of request by the Bank;
   or (xv) the Bank in good faith deems itself insecure with respect to payment
   or performance of under this Note. All amounts hereunder shall become
   immediately due and payable upon the occurrence of (ix) above, or at the
   Bank's option, upon the occurrence of any other Event of Default.

   BUSINESS PURPOSE; NO MARGIN STOCK. Borrower certifies (1) that no Loan will
   be used to purchase margin stock except with the Bank's express prior written
   consent for each such purchase, (2) that this Note evidences a commercial
   loan and an extension of credit for a commercial purpose within the meaning
   of Md. Code, Commercial Law Art., and (3) that all Loans shall be used for a
   business purpose, and not for any personal, family or household purpose.

   SPECIAL PROVISIONS - LOANS OF $75,000 OR LESS. If (a) Borrower is not a
   corporation and (b) the principal amount of this Note stated above is $75,000
   or less, then (i) prior to the Conversion Date, this loan is made under the
   Maryland Credit Grantor Revolving Credit Provisions (Md. Code Commercial Law
   Art., Subtitle 9), and (ii) upon and after the Conversion Date, this loan is
   made under the Maryland Credit Grantor Closed End Credit Provisions (Md. Code
   Commercial Law Art., Subtitle 10).

   SPECIAL PROVISIONS - RESIDENTIAL LOANS. To the extent this Note has
   provisions providing for a default rate of interest or a prepayment premium,
   such provisions do not apply if the loan evidenced by this Note is (i) within
   the scope of the Section entitled "Special Provisions - Loans of $75,000 or
   Less"; (ii) made to an individual or sole proprietor; and (iii) secured by
   owner-occupied real property having a dwelling on it designated principally
   as a residence with accommodations of not more than four families.

   MISCELLANEOUS. This Note, together with any related loan and security
   agreements and guaranties, contains the entire agreement between the Bank and
   Borrower with respect to the Credit, and supersedes every course of dealing,
   other conduct, oral agreement and representation previously made by the Bank.
   All rights and remedies of the Bank under applicable law and this Note or
   amendment of any provision of this Note are cumulative and not exclusive. No
   single, partial or delayed exercise by the Bank of any right or remedy shall
   preclude the subsequent exercise by the Bank at any time of any right or
   remedy of the Bank without notice. No waiver or amendment of any provision of
   this Note shall be effective unless made specifically in writing by the Bank.
   No course of dealing or other conduct, no oral agreement or representation
   made by the Bank, and no usage of trade, shall operate as a waiver of any
   right or remedy of the Bank. No waiver of any right or remedy of the Bank
   shall be effective unless made specifically in writing by the Bank. Borrower
   agrees that in any legal proceeding, a copy of this Note kept in the Bank's
   course of business may be admitted into evidence as an original. This Note is
   a binding obligation enforceable against Borrower and its successors and
   assigns and shall inure to the benefit of the Bank and its successors and
   assigns. If a court deems any provision of this Note invalid, the remainder
   of the Note shall remain in effect. Section headings are for convenience
   only. Singular number includes plural and neuter gender includes masculine
   and feminine as appropriate.

   NOTICES. Any demand or notice hereunder or under any applicable law
   pertaining hereto shall be in writing and duly given if delivered to Borrower
   (at its address on the Bank's records) or to the Bank (at the address on page
   one and separately to the Bank officer responsible for Borrower's
   relationship with the Bank). Such notice or demand shall be deemed
   sufficiently given for all purposes when delivered (i) by personal delivery
   and shall be deemed effective when delivered, or (ii) by mail or courier and
   shall be deemed effective three (3) business days after deposit in an
   official depository maintained by the United States Post Office for the
   collection of mail or one (1) business day after delivery to a nationally
   recognized overnight courier service (e.g., Federal Express). Notice bye-mail
   is not valid notice under this or any other agreement between Borrower and
   the Bank.

   JOINT AND SEVERAL. If there is more than one Borrower, each of them shall be
   jointly and severally liable for all amounts which become due under this Note
   and the term "Borrower" shall include each as well as all of them.

   GOVERNING LAW; JURISDICTION. This Note has been delivered to and accepted by
   the Bank and will be deemed to be made in the State of Maryland. Unless
   provided otherwise under federal law, this Note will be interpreted in
   accordance with the laws of the State of Maryland excluding its conflict of
   laws rules. BORROWER HEREBY IRREVOCABLY CONSENTS TO THE EXCLUSIVE
   JURISDICTION OF ANY STATE OR FEDERAL COURT IN THE STATE OF MARYLAND IN A
   COUNTY OR JUDICIAL DISTRICT WHERE THE BANK MAINTAINS A BRANCH AND CONSENTS
   THAT THE BANK MAY EFFECT ANY SERVICE OF PROCESS IN THE MANNER AND AT
   BORROWER'S ADDRESS SET FORTH ABOVE FOR PROVIDING NOTICE OR DEMAND; PROVIDED
   THAT NOTHING CONTAINED IN THIS NOTE WILL PREVENT THE BANK FROM BRINGING ANY
   ACTION, ENFORCING ANY AWARD OR JUDGMENT OR EXERCISING ANY RIGHTS AGAINST
   BORROWER INDIVIDUALLY, AGAINST ANY SECURITY OR AGAINST ANY PROPERTY OF
   BORROWER WITHIN ANY OTHER COUNTY, STATE OR OTHER FOREIGN OR DOMESTIC
   JURISDICTION. Borrower acknowledges and agrees that the venue provided above
   is the most convenient forum for both the Bank and Borrower. Borrower waives
   any objection to venue and any objection based on a more convenient forum in
   any action instituted under this Note.

   WAIVER OF JURY TRIAL. BORROWER AND THE BANK HEREBY KNOWINGLY, VOLUNTARILY,
   AND INTENTIONALLY WAIVE ANY RIGHT TO TRIAL BY JURY BORROWER AND THE BANK MAY
   HAVE IN ANY ACTION OR PROCEEDING, IN LAW OR IN EQUITY, IN CONNECTION WITH
   THIS NOTE OR THE TRANSACTIONS RELATED HERETO. BORROWER REPRESENTS AND
   WARRANTS THAT NO REPRESENTATIVE OR AGENT OF THE BANK HAS REPRESENTED,
   EXPRESSLY OR OTHERWISE, THAT THE BANK WILL NOT, IN THE EVENT OF LITIGATION,
   SEEK TO ENFORCE THIS JURY TRIAL WAIVER. BORROWER ACKNOWLEDGES THAT THE BANK
   HAS BEEN INDUCED TO ENTER INTO THIS NOTE BY, AMONG OTHER THINGS, THE
   PROVISIONS OF THIS SECTION.

<PAGE>

   POWER TO CONFESS JUDGMENT. BORROWER HEREBY EMPOWERS ANY ATTORNEY OF ANY COURT
   OF RECORD TO APPEAR FOR BORROWER AND, WITH OR WITHOUT COMPLAINT FILED,
   CONFESS JUDGMENT, OR A SERIES OF JUDGMENTS, AGAINST BORROWER IN FAVOR OF THE
   BANK OR ANY HOLDER HEREOF FOR THE ENTIRE PRINCIPAL BALANCE OF THIS NOTE, ALL
   ACCRUED INTEREST AND ALL OTHER AMOUNTS DUE HEREUNDER, TOGETHER WITH COSTS OF
   SUIT AND AN ATTORNEY'S COMMISSION OF THE GREATER OF TEN PERCENT (10%) OF SUCH
   PRINCIPAL AND INTEREST OR $1,000 ADDED AS A REASONABLE ATTORNEY'S FEE, AND
   FOR DOING SO THIS NOTE OR A COPY VERIFIED BY AFFIDAVIT SHALL BE A SUFFICIENT
   WARRANT. BORROWER HEREBY FOREVER WAIVES AND RELEASES ALL ERRORS IN SAID
   PROCEEDINGS AND ALL RIGHTS OF APPEAL AND ALL RELIEF FROM ANY AND ALL
   APPRAISEMENT, STAY OR EXEMPTION LAWS OF ANY STATE NOW IN FORCE OR HEREAFTER
   ENACTED. INTEREST ON ANY SUCH JUDGMENT SHALL ACCRUE AT THE DEFAULT RATE, NO
   SINGLE EXERCISE OF THE FOREGOING POWER TO CONFESS JUDGMENT, OR A SERIES OF
   JUDGMENTS, SHALL BE DEEMED TO EXHAUST THE POWER, WHETHER OR NOT ANY SUCH
   EXERCISE SHALL BE HELD BY ANY COURT TO BE INVALID, VOIDABLE, OR VOID, BUT THE
   POWER SHALL CONTINUE UNDIMINISHED AND IT MAY BE EXERCISED FROM TIME TO TIME
   AS OFTEN AS THE BANK SHALL ELECT UNTIL SUCH TIME AS THE BANK SHALL HAVE
   RECEIVED PAYMENT IN FULL OF THE DEBT, INTEREST AND COSTS. THE PROVISIONS OF
   THIS SECTION DO NOT APPLY TO ANY LOAN EVIDENCED BY THIS NOTE THAT IS WITHIN
   THE SCOPE OF THE SECTION ENTITLED "SPECIAL PROVISIONS - LOANS OF $75,000 OR
   LESS" AND MADE TO AN INDIVIDUAL OR SOLE PROPRIETOR BORROWER.

   PREAUTHORIZED TRANSFERS FROM DEPOSIT ACCOUNT. Borrower hereby authorizes the
   Bank to disburse each Loan only by deposit to Borrower's commercial checking
   account number 9835811952. Borrower also authorizes the Bank to debit
   Borrower's commercial checking account with the Bank automatically for the
   full amount of each fee and interest payment which becomes due under this
   Note, upon request for each principal payment purportedly authorized by an
   Authorized Person prior to the Conversion Date, if any, and automatically for
   each principal payment which becomes due after the Conversion Date, if any.

   ACKNOWLEDGMENT. Borrower acknowledges that it has read and understands all
   the provisions of this Note, including the CONFESSION OF JUDGMENT, GOVERNING
   LAW, JURISDICTION and WAIVER OF JURY TRIAL, and has been advised by counsel
   as necessary or appropriate.

   WITNESS the due execution hereof as a SEALED INSTRUMENT the day and year
   first above written.

   Tax ID/SS# 52-2059691

   CHESAPEAKE LOGISTICS LLC

   BY:  /S/ REGINA FLOOD                                         (L.S.)
       ----------------------------------------------------------
         REGINA FLOOD, MEMBER

   BY:  /S/ BRIAN P. FLOOD                                       (L.S.)
       ----------------------------------------------------------
         BRIAN P. FLOOD, MEMBER

                                 ACKNOWLEDGMENT

   STATE OF MARYLAND                                )
                                                    :SS.
   COUNTY OF  PRINCE GEORGES                        )

          On the 30 day of NOVEMBER , in the year 2005, before me, the
   undersigned, a Notary Public in and for said State, personally appeared
   REGINA FLOOD, personally known to me or proved to me on the basis of
   satisfactory evidence to be the individual whose name is subscribed to the
   within said instrument and acknowledged to me that he/she executed the same
   in his/her capacity, and that by his/her signature the instrument, the
   individual, or the person upon behalf of which the individual acted, executed
   the instrument.

   /S/ KIMBERLY GAIL PFARR
   -----------------------
   Notary Public

                                 ACKNOWLEDGMENT

   STATE OF MARYLAND                                )
                                                    :SS.
   COUNTY OF  PRINCE GEORGES                        )

          On the 30 day of NOVEMBER , in the year 2005, before me, the
   undersigned, a Notary Public in and for said State, personally appeared BRIAN
   P. FLOOD, personally known to me or proved to me on the basis of satisfactory
   evidence to be the individual whose name is subscribed to the within said
   instrument and acknowledged to me that he/she executed the same in his/her
   capacity, and that by his/her signature the instrument, the individual, or
   the person upon behalf of which the individual acted, executed the
   instrument.

   /S/ KIMBERLY GAIL PFARR
   -----------------------
   Notary Public