Document:

<PAGE>   1
                                                               Exhibit 10.3.15.c

                                                                  EXECUTION COPY

                               THIRD AMENDMENT TO
                         CREDIT AND SECURITY AGREEMENT

     THIS THIRD AMENDMENT TO CREDIT AND SECURITY AGREEMENT (this "Amendment") is
made and entered into as of this 1st day of June, 2001, by and between D.I.Y.
HOME WAREHOUSE, INC., (the "Borrower"), and NATIONAL CITY COMMERCIAL FINANCE,
INC. (the "Lender").

                              W I T N E S S E T H:
                              - - - - - - - - - -

     WHEREAS, the Borrower, the Lenders which are signatories thereto, National
City Commercial Finance, Inc., as Agent and National City Bank as Letter of
Credit Bank, executed and delivered a Credit and Security Agreement dated as of
October 27, 1998 (the "Original Credit Agreement"), a Waiver and Amendment to
Credit and Security Agreement dated as of November 14, 2000 (the "First
Amendment") and a Second Amendment to Credit and Security Agreement dated April
3, 2001 (the "Second Amendment") (the Original Credit Agreement as amended by
the First Amendment and the Second Amendment is referred to herein as the
"Credit Agreement"); and

     WHEREAS, the Borrower has requested the Lender to amend the Credit
Agreement as hereafter set forth, and the Lender is willing to do so on the
terms and conditions hereafter set forth.

     NOW, THEREFORE, for good and valuable consideration, the receipt and
sufficiency of which are hereby expressly acknowledged, it is mutually agreed as
follows:

     1. DEFINITIONS. Capitalized terms used in this Amendment that are defined
in the Credit Agreement shall have the respective meanings given to them in the
Credit Agreement.

     2.1 AMENDMENT TO ANNEX I OF THE CREDIT AGREEMENT. The Revolving Credit
Commitment for National City Commercial Finance, Inc. in the amount of
$20,000,000 and the Total Revolving Credit Commitment in the amount of
$20,000,000 contained in Annex I of the Credit Agreement shall be amended by
reducing each amount to $5,000,000.

     2.2 AMENDMENT TO ANNEX II OF THE CREDIT AGREEMENT. Annex II of the Credit
Agreement is hereby amended by amending the definitions of "AVAILABILITY" and
"EBITDA" in their entirety to read as follows:

          "AVAILABILITY" means an amount equal to the difference of (i) the
     lesser of (A) the Total Revolving Credit Commitment or (B) the then
     Borrowing Base, in either case, less an amount equal to the sum of (x) One
     Million Dollars ($1,000,000), (y) the aggregate amount of the Standby
     Letters of Credit and (z) the amount of the Borrower's rent reserve and
     (ii) the then aggregate amount of Outstandings.

<PAGE>   2

                                                                  EXECUTION COPY

          "EBITDA" means for any period of determination, the net income of the
     Borrower before deductions for income taxes, Interest Expense,
     depreciation, amortization and store closing expenses incurred in
     connection with the Borrower's stores located in the cities of Mentor, Ohio
     Medina, Ohio and Brook Park (Sheldon Road), Ohio, all as determined in
     accordance with GAAP.

     2.3 AMENDMENT TO SECTION 8.4(a) OF THE CREDIT AGREEMENT. SECTION 8.4(a) of
the Credit Agreement shall be amended by dealing it in its entirety and
replacing it with the following SECTION 8.4(a):

          (a) MINIMUM EBITDA. The Borrower shall not permit its monthly EBITDA
     as measured at the end of each of the following months to be less than: (i)
     ($175,000) for March, 2001, (ii) ($325,000) for April, 2001, (iii)
     ($250,000) for May, 2001, (iv) ($375,000) for June, 2001, (v) ($275,000)
     for July, 2001, (vi) ($325,000) for August, 2001, and (vii) ($400,000) for
     September, 2001.

     3. REPRESENTATIONS AND WARRANTIES. The Borrower represents and warrants to
the Lender as follows:

          (a) INCORPORATION OF REPRESENTATIONS AND WARRANTIES. Each and every
     representation and warranty made by the Borrower in Articles 6 and 7 of the
     Credit Agreement is incorporated herein as if fully rewritten herein at
     length and is true, correct and complete as of the date hereof(other than
     representations and warranties which expressly speak only as of a different
     date);

          (b) REQUISITE AUTHORITY. The Borrower has all requisite power and
     authority to execute and deliver and to perform its obligations in respect
     of this Amendment and each and every other agreement, certificate or
     document required by this Amendment;

          (c) DUE AUTHORIZATION; VALIDITY. The Borrower has taken all necessary
     action to authorize the execution, delivery and performance by it of this
     Amendment and every other instrument, document and certificate relating
     hereto. This Amendment has been duly executed and delivered by the Borrower
     and when executed and delivered by the Lender will be a legal, valid and
     binding obligation of the Borrower enforceable against it in accordance
     with its terms;

          (d) NO CONSENT. No consent, approval or authorization of, or
     registration with any governmental authority or other Person is required in
     connection with the execution, delivery and performance of this Amendment
     and the transactions contemplated hereby;

          (e) PERFORMANCE. The Borrower has performed and complied with all of
     the agreements and conditions contained in the Credit Agreement and this
     Amendment required to be performed or complied with by it as of the date
     hereof;

          (f) NO DEFAULTS. There will exist no Potential Default or Event of
     Default under the Credit Agreement; and

                                      -2-

<PAGE>   3

                                                                  EXECUTION COPY

          (g) SECURITY INTERESTS. The Borrower confirms that the Borrower's
     obligations under the Credit Agreement, continue to be secured by the
     security interest granted by the Borrower in favor of the Agent for the
     benefit of the Lenders and that such security interest continues to be
     perfected and to have the priority required under the Credit Agreement.

     4. CONDITIONS TO EFFECTIVENESS OF THIS AMENDMENT. The obligation of the
Lender to enter into this Amendment shall be subject to the Borrower's
satisfaction of the following conditions:

          (a) On or before the date of this Amendment, the Lender shall have
     received a counterpart of this Amendment duly executed by the Borrower; and

          (b) On or before the date of this Amendment, the Lender shall have
     received such other certificates, opinions, agreements and documents as it
     shall reasonably request.

     5. NO WAIVER. The execution and delivery of this Amendment by the Lender
shall not constitute a waiver or release of any obligation or liability of the
Borrower under the Credit Agreement as in effect prior to the effectiveness of
this Amendment or as amended hereby or release of any Event of Default or
Possible Default existing at any time.

     6. EXPENSES. The Borrower shall reimburse the Lender for all costs and
expenses incurred by it in the preparation, negotiation and execution of this
Amendment including, without limitation, the legal fees and out-of-pocket
expenses of Thompson Hine LLP.

     7. EFFECT ON OTHER PROVISIONS. Except as expressly amended by this
Amendment, all provisions of the Credit Agreement continue unchanged and in fill
force and effect and are hereby confirmed and ratified. All provisions of the
Credit Agreement shall be applicable to this Amendment.

     8. COUNTERPARTS. This Amendment may be executed in any number of
counterparts, each of which shall be deemed an original, but all of which
together shall constitute but one and the same document.

                  [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK.]

10675404

                                      -3-

<PAGE>   4

                                                                  EXECUTION COPY

     IN WITNESS WHEREOF, the parties hereto, each by an officer thereunto duly
authorized, have caused this Third Amendment to Credit and Security Agreement to
be executed and delivered as of the date first above written.

                                         D.I.Y. HOME WAREHOUSE, INC.

                                         By: /s/ Clifford L. Reynolds
                                             -----------------------------------
                                             Name: Clifford L. Reynolds
                                             Its:  President & CEO

                                         NATIONAL CITY COMMERCIAL FINANCE,
                                         INC. as Agent and Lender

                                         By:
                                             -----------------------------------
                                             Name:
                                                   -----------------------------
                                             Its:
                                                   -----------------------------

       Signature page to Third Amendment to Credit and Security Agreement

<PAGE>   5

                                                                  EXECUTION COPY

     IN WITNESS WHEREOF, the parties hereto, each by an officer thereunto duly
authorized, have caused this Third Amendment to Credit and Security Agreement to
be executed and delivered as of the date first above written.

                                         D.I.Y. HOME WAREHOUSE, INC.

                                         By:
                                             -----------------------------------
                                             Name: Clifford L. Reynolds
                                             Its:  President & CEO

                                         NATIONAL CITY COMMERCIAL FINANCE,
                                         INC. as Agent and Lender

                                         By: /s/ Roger F. Reeder
                                             -----------------------------------
                                             Name: Roger F. Reeder
                                                   -----------------------------
                                             Its:  AVP
                                                   -----------------------------

       Signature page to Third Amendment to Credit and Security Agreement<PAGE>   1
                                                                   Exhibit 10.10

                              CONSULTING AGREEMENT
                              --------------------

     This Consulting Agreement ("Agreement") is entered into as of this 20th day
of June by and between D.I.Y. Home Warehouse, Inc., having a principle place of
business at 5811 Canal Road, Valley View, Ohio 44125 (the "Merchant") and
Schottenstein-Bernstein Capital Group, LLC., with its principal place of
business at 1800 Moler Road, Columbus, Ohio 43207 ("Consultant").

     Consultant shall act as Merchant's sole and exclusive agent to sell all of
the Inventory in all of the stores listed on Exhibit A attached hereto (the
"Stores"), which Merchant has advised Consultant do business under the name of
D.I.Y. Home Warehouse, by means of a store closing sale or similar type sale
(the "Sale"). Consultant and Merchant agree as follows:

1. EXCLUSIVE AGENCY. Consultant shall act as Merchant's exclusive agent for the
purpose of conducting the Sale of all goods located at the Stores (the
"Inventory") at the time of Sale Commencement, as hereinafter defined.

2. DATES. The Sale shall commence on or about June 20, 2001 (the "Sale
Commencement Date") and shall terminate approximately ten (10) weeks thereafter
or such other date as mutually agreed upon by Consultant and Merchant (the
"Conclusion Date").

3. CONSULTANT'S COMPENSATION. Consultant's compensation shall be in accordance
with Exhibit B attached hereto. All compensation shall be payable within thirty
(30) days after the Conclusion Date.

4. SALES. "Sales" shall mean all sales, excluding amounts paid for sales,
excise, and gross receipts taxes, derived from the sale of the Inventory and
shall include any receipts of licensee fees or commissions from licensees
pursuant to written agreements between Merchant and licensee or other third
parties with rights in the Stores during the Sale; provided, however, that it is
expressly understood and agreed, that proceeds from Sale shall not include sales
made prior to the Commencement Date or after the Conclusion Date.

5. RETURNS. Returns of merchandise for items sold prior to the Commencement Date
shall be processed in accordance with Merchant's policies and procedures, and
returns shall not reduce Sales. The item returned shall be added to the Retail
Inventory Value at the Retail Price less the prevailing discount at the time of
the return.

6. SCOPE OF AGENCY. It is understood that Consultant is acting only as
Merchant's agent in the conduct of the Sale, and that all reasonable verifiable
out-of-pocket costs, fees and expenses paid to third parties incurred by
Consultant or Merchant relating to the Sale are the sole responsibility of
Merchant subject to the terms of Section 11 hereof. Consultant shall obtain
Merchant's approval prior to authorizing any third party expense. It is
understood and agreed that in addition to paying for their weekly salary and
bonus, reimbursable expenses attributable to Consultant's liquidation
supervisors shall be limited to the transportation costs (e.g. round trip

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coach airfare, car rental) of traveling to the assigned stores. Notwithstanding
the above, Consultant may not act as an agent of Merchant for any other purpose
other than the purposes specifically provided for herein. The bonus amount paid
to Consultant's supervisors and included as an Expense herein, shall not exceed
30% of supervisor fees.

7. INVENTORY TRANSFERS. Consultant shall have the right to move Inventory
between the Stores, if Consultant deems it necessary in order to maximize the
sale proceeds, after consultation and approval by Merchant which approval shall
not be unreasonably withheld, and if permitted by law with the cost to be an
Expense of Sale (as hereinafter defined). All transfers shall be processed in
accordance with Merchant's historical practices and procedures.

8. STORE OPERATION. Consultant shall conduct the sale in the name of Merchant
and on its behalf and shall have the right to conduct the Sale subject to
Section 17 as a store closing sale or similar type sale (subject to all legal
requirements) in the manner which Consultant in Consultant's discretion
reasonably deems fitting including, but not limited to, advertising, pricing of
Inventory, the right to determine the number, type, selection and schedule of
Merchant Store level personnel to be utilized (subject to Merchant's policies
and procedures and subject to Merchant's restrictions relating to hours and
employment termination provided however no such restriction shall materially
impede the operation of the Sale), Store hours (subject to Merchant's customary
operating hours), Store maintenance (subject to reasonable business practices)
and security provisions (subject to Merchant's policies and procedures).
Merchant represents that the Store employees are not subject to any collective
bargaining contracts. In connection therewith, Merchant and Consultant
acknowledge and agree, that (i) nothing herein nor any of Consultant's actions
taken in respect hereto shall be deemed to constitute an assumption by
Consultant of any of Merchant's obligations relating to any of Merchant's
employees including salary, vacation, pension withdrawal, severance, Workers
Adjustment and Retraining Notification Act claims (if any) and other termination
type claims and obligations and (ii) nothing herein nor any of Consultant's
actions taken in respect hereto shall be deemed to constitute an assumption by
Merchant of any of Consultant's obligations relating to any of Consultant's
employees including salary, vacation, pension withdrawal, severance, Worker's
Adjustment and Retraining Notification Act claims (if any) and other termination
type claims and obligations. Consultant shall cooperate and consult with
Merchant's human resources representatives and store management regarding any
personnel issues at the Stores.

9. SALES TAXES. Merchant shall collect all sales, excise and gross receipt taxes
(and not income taxes) payable to any taxing authority having jurisdiction and
such taxes shall be added to the sales price and be paid by the customer at the
time the Inventory is purchased by the customer.

10. CUSTOMER PAYMENT. All sales during the Sale shall be for cash or upon bank
credit cards, AMEX and/or Discover card and all other media normally accepted by
Merchant, including gift certificates and/or merchandise vouchers.

11. SALE EXPENSES. All expenses relating to the Sale shall be defined as the
"Expenses of Sale" and unless otherwise agreed shall be paid directly by
Merchant. On a weekly basis,

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Consultant shall present to Merchant a schedule of all expenses paid by
Consultant on Merchant's behalf, which Merchant shall reimburse to Consultant,
promptly upon submission. The Expenses of Sale shall include all expenses
relating to the Sale, including, but not limited to: (i) advertising; (ii)
signing; (iii) personnel for the Sale; (iv) cost of transporting Inventory
between Stores during the Sale, where permitted by law and in accordance with
Section 8 of this agreement; (v) security; (vi) telephone; and (vii)
Consultant's (6) supervisors at a cost of $2,350 per week for each supervisor,
plus reasonable transportation expenses; (viii) Consultant's senior supervisor
at a cost of $3,250, plus reasonable transportation expenses, (ix) bonus for
store employees and Consultant's supervisors, subject to the limit in Section 6
above and (x) any other expenses directly attributable to the Sale authorized by
Consultant and Merchant. Consultant and Merchant shall agree upon an expense
budget.

12. INSURANCE. Merchant shall continue at its cost and expense until the
Conclusion Date in such amounts as it currently has in effect, all of its
casualty insurance and all of its liability insurance policies, including, but
not limited to, its products liability, comprehensive public liability and auto
liability insurance policies covering injuries to all persons and property in or
in connection with Merchant's operation of the Stores, all or any part of which
Merchant may currently, and may continue to self -insure.

13. CONSULTANT'S INDEMNITY. The Consultant agrees to indemnify and hold harmless
Merchant and it's affiliates against all losses, liabilities, claims, costs,
expenses, including, but not limited to, reasonable attorney's fees,
investigative and discovery costs, settlements or judgments that may arise out
of any bodily injury, including death, or any damage or loss to property as a
result of the performance of this Agreement or Consultant's illegal acts and
wanton misconduct, negligence or intentional acts, including without limitation,
violations of federal, state and local laws pertaining to advertising.

14. MERCHANT'S INDEMNITY. The Merchant agrees to indemnify and hold harmless
Consultant and their affiliates against all losses, liabilities, claims, costs,
expenses, including but not limited to reasonable attorney's fees, investigative
and discovery costs, settlements or judgments that may arise out of any bodily
injury including death, or any damage or loss to property as a result of the
performance of this Agreement or Merchant's illegal acts and wanton misconduct,
negligence or intentional acts, including without limitation, violations of
federal, state and local laws pertaining to Advertising.

15. REPORTS. Merchant shall furnish Consultant with periodic reports, not more
frequently than once every week, on the progress of the Sale which shall specify
the following: Sales, broken down by cash and credit card and Expenses of Sale,
and shall furnish Consultant with such information regarding the Sale as
Consultant shall reasonably request.

16. JURISDICTION. Consultant and Merchant shall submit themselves to the
jurisdiction of Ohio, for all matters between Merchant and Consultant relating
to this Agreement.

17. COMPLIANCE WITH LAWS. Consultant and Merchant shall comply with all federal,
state and municipal laws, laws and regulations ("Laws") that are now or in the
future

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applicable to Consultant and Merchant respectively as such laws pertain to the
Sale contemplated by this Agreement.

18. CONSULTANT'S RESPONSIBILITIES. Consultant acknowledges that Merchant's
objective is to maximize the value of the Inventory and minimize Expenses of
Sale while maintaining the historical integrity of Merchant's name and
relationships with its customers, employees and vendors and agrees to operate
the Sale pursuant to that objective. Consultant agrees that it will provide the
following services and support to Merchant, in addition to services and support
provided for elsewhere in this Agreement:

          (i)    Senior Management personnel to assist in the preparation of
                 liquidation sale, including transfers of inventory and set up.

          (ii)   Store level supervisors to assist in execution of sales plan.

          (iii)  Pricing of merchandise to maximize return.

          (iv)   Develop and execute, with Merchant an expense budget.

          (v)    Coordination of display and store setup for the liquidation
                 sale including creating and obtaining signage.

          (vi)   Advertising and promotion planning and execution. Consultant
                 shall deliver to Merchant a proof of the advertisement which
                 Consultant intends to use. Merchant promptly, within two (2)
                 business days of receipt by Merchant shall review said
                 advertisement and then either consent to or disapprove said
                 advertisement, provided however consent shall not be
                 unreasonably withheld. Failure to consent or disapprove within
                 the two business day period shall be deemed to be consent. Any
                 notices will be sent to Mr. Clifford Reynolds, Mr. Scott Eynon
                 or Mr. Todd Ayers.

          (vii)  Consultation as to security and related services to protect the
                 merchandise, fixtures and other valuables from theft and damage
                 and safety and reasonable operating procedures to protect
                 customers and employees.

          (viii) Consultation as to obtaining and assistance in completing
                 applications for the obtaining of GOB licenses.

          (ix)   Coordination of store maintenance and housekeeping, including
                 removal of all remaining inventory prior to the closing of the
                 Stores and leaving the Stores in broom clean condition.

          (x)    Development of a Store liquidation manual tailored to
                 Merchant's needs and operations.

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<PAGE>   5

23. REPRESENTATIONS AND WARRANTIES. Consultant represents and warrants the
following: (a) consultant is a corporation duly organized, validly existing and
in good standing under the laws of the State of Delaware and has the power and
authority to consummate the transactions hereunder, (b) consultant has the
right, power and authority to execute and deliver this Agreement and perform its
obligations hereunder and has taken all necessary action required to authorize
the execution, delivery, and performance of this Agreement and to perform its
obligations hereunder, (c) this Agreement has been duly executed and delivered
by Consultant in accordance with its terms, subject only to any applicable
bankruptcy, insolvency or similar laws affecting the rights of creditors
generally. No court order or decree of any federal, state, or local governmental
authority or regulatory body is in effect that would prevent, impair, or is
required for Consultant's consummation of the transactions contemplated by this
Agreement, and except as provided herein, no consent of any third party is
required therefor. No contract or other agreement to which Consultant is a party
or by which Consultant is otherwise bound will prevent or impair the
consummation of the transactions contemplated by this Agreement.

     Merchant represents and warrants the following: (a) Merchant is a
corporation duly organized, validly existing and in good standing under the laws
of the State of Ohio and has the power and authority to consummate the
transactions hereunder, and (b) Merchant has the right, power and authority to
execute and deliver this agreement and perform its obligations hereunder and has
taken all necessary action required to authorize the execution, delivery, and
performance of this Agreement and to perform its obligations hereunder, No court
order or decree of any federal, state, or local governmental authority or
regulatory body is in effect that would prevent, impair, or is required for
Merchant's consummation of the transactions contemplated by this Agreement, and
except as provided herein, no consent of any third party is required therefor.
No contract or other agreement to which Merchant is a party or by which Merchant
is otherwise bound will prevent or impair the consummation of the transactions
contemplated by this Agreement.

24. COUNTERPARTS; MODIFICATIONS. This Agreement may be executed in counterpart
originals and/or by facsimile transmission and may not be modified except in a
writing executed by each of the parties.

25. NOTICES. All notices or reports to be sent under this Agreement shall be
sent to Merchant at the address listed on the first page hereof, attention Scott
Bernstein and to Consultant at 1010 Northern Boulevard, Suite 340, Great Neck,
New York, 11021, attention Scott Bernstein, to be sent via overnight accepted
carrier or certified mail.

26. INDEPENDENT CONTRACTOR. Consultant shall render services hereunder as an
independent contractor and not as employees of the Merchant. Any employees or
agents of Consultant shall not be considered employees of the Merchant. The
Merchant shall have no obligation to withhold any federal or state taxes in
respect to the compensation to be paid Consultant or Consultant's on-site
supervisors pursuant to this Agreement.

26. CONFIDENTIALITY. Any and all information, written or unwritten, and of any
kind or nature, made available or provided to, or obtained by Consultant or
Merchant in connection

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with this Agreement or the request for proposal process and the negotiations
leading to this Agreement and the terms of this Agreement shall be maintained in
the strictest confidence by Consultant and Merchant, their employees and agents,
and shall not be divulged by Consultant or Merchant or their employees or agents
without the other's prior express written consent. This confidentiality
provision shall survive the termination of this Agreement. Provided however,
Merchant may respond to reference inquiries regarding Consultant's services.

27. NON-ASSIGNMENT; SUCCESSORS. Except as specifically provided in this
paragraph, or upon written consent by the parties hereto, this Agreement shall
not be assignable to the benefit of any person or entity other than the Merchant
or Consultant. All of the terms and provisions of this Agreement shall be
binding upon, inure to the benefit of, and be enforceable by the successors in
interest of the respective parties hereto.

27. NO THIRD PARTY BENEFICIARIES. Nothing herein expressed or implied is
intended or shall be construed to confer upon or give to any person or entity,
other than the parties hereto, any rights or remedies under or by reason of this
Agreement.

28. SEVERABILITY. In case any provision in or obligations under this Agreement
shall be invalid, illegal or unenforceable in any jurisdiction, the validity,
legality or enforceability of the remaining provisions or obligations, or of
such provision or obligation in any other jurisdiction, shall not in any way be
affected or impaired thereby unless such invalidity, illegality or
non-enforcement would be contrary to the manifest intention of the parties as
contained herein.

29. TIME. Time is of the essence hereunder.

30. ENTIRE AGREEMENT. This Agreement contains the entire agreement between the
parties with respect to this transaction and supersedes and cancels all prior
agreements or representations, written or oral, with respect thereto.

     IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of
the day and date first set forth above.

                            SCHOTTENSTEIN-BERNSTEIN CAPITAL GROUP, LLC

                            By:
                                --------------------------------------

                            D.I.Y. HOME WAREHOUSE, INC.

                            By: /s/ Clifford Reynolds, President
                                --------------------------------------

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<PAGE>   7

                       EXHIBIT A - LIST OF CLOSING STORES

Exhibit A
Store List

    Street Address           City            Zip
--------------------------------------------------
12800 Brookpark Rd.        Cleveland         44130
530 South Abbe Rd          Elyria            44035
34200 Vine St              Eastlake          44095
2234 S Arlington           Akron             44319
3201 N Ridge Rd East       Ashtabula         44004
3418 Elm Rd.               Warren            44483

                                       7
<PAGE>   8

                   EXHIBIT B - SCHEDULE OF BONUS COMPENSATION

DIY Final 6 Stores                 Exhibit B
Suggested Fee Schedule

Estimated Inventory                    19,351,006
Estimated expenses                      2,633,627
                                            13.61%
<TABLE>
<CAPTION>

                                      SBCG                             Net return      Net return $ to
 Return %            Return $         Fee %         SBCG Fee $          % to DIY              DIY
------------------------------------------------------------------------------------------------------
<S>                <C>               <C>               <C>              <C>              <C>
  56.50%            10,933,318        0.00%                   -          42.89%           8,299,691
  57.00%            11,030,073        0.00%                   -          43.39%           8,396,446
  57.50%            11,126,828        0.00%                   -          43.89%           8,493,201
  58.00%            11,223,583        0.00%                   -          44.39%           8,589,956
  58.50%            11,320,338        0.00%                   -          44.89%           8,686,712
  59.00%            11,417,093        0.00%                   -          45.39%           8,783,467
  59.50%            11,513,848        0.00%                   -          45.89%           8,880,222
  60.00%            11,610,603        0.00%                   -          46.39%           8,976,977
  60.50%            11,707,359        0.25%              29,268          46.74%           9,044,463
  61.00%            11,804,114        0.25%              29,510          47.24%           9,140,976
  61.50%            11,900,869        0.50%              59,504          47.58%           9,207,737
  62.00%            11,997,624        0.50%              59,988          48.08%           9,304,009
  62.50%            12,094,379        0.75%              90,708          48.42%           9,370,044
  63.00%            12,191,134        0.75%              91,434          48.92%           9,466,073
  63.50%            12,287,889        1.00%             122,879          49.26%           9,531,383
  64.00%            12,384,644        1.00%             123,846          49.75%           9,627,170
  64.50%            12,481,399        1.25%             156,017          50.08%           9,691,754
  65.00%            12,578,154        1.25%             157,227          50.58%           9,787,300
  65.50%            12,674,909        1.50%             190,124          50.91%           9,851,158
  66.00%            12,771,664        1.50%             191,575          51.40%           9,946,462
  66.50%            12,868,419        1.75%             225,197          51.73%          10,009,595
  67.00%            12,965,174        1.75%             226,891          52.22%          10,104,656
  67.50%            13,061,929        2.00%             261,239          52.54%          10,167,063
  68.00%            13,158,684        2.00%             263,174          53.03%          10,261,883
  68.50%            13,255,439        2.25%             298,247          53.35%          10,323,565
  69.00%            13,352,194        2.25%             300,424          53.84%          10,418,143
  69.50%            13,448,949        2.50%             336,224          54.15%          10,479,098

</TABLE>

                                       8

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