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                                                                    EXHIBIT 4.3

                        --------------------------------

                               ANDRX CORPORATION

                          EMPLOYEE STOCK PURCHASE PLAN

                                  (AS AMENDED)

                        --------------------------------

         The Board of Directors of Andrx Corporation, a Delaware corporation
(the "Company") has adopted this Employee Stock Purchase Plan (the "Plan") to
enable eligible employees of the Company and its participating Affiliates (as
defined below), through payroll deductions, to purchase shares of either the
Company's Andrx Group common stock, par value $0.001 per share (the "Andrx
common stock"), or the Company's Cybear Group common stock, par value $0.001
per share (the "Cybear common stock," and together with the Andrx common stock,
the "Common Stock"). The Plan is for the benefit of the employees of Andrx
Corporation and any participating Affiliates. The Plan is intended to benefit
the Company by increasing the employees' interest in the Company's growth and
success and encouraging employees to remain in the employ of the Company or its
participating Affiliates. The provisions of the Plan are set forth below:

1.       SHARES SUBJECT TO THE PLAN.

         Subject to adjustment as provided in Section 26 below, the aggregate
number of shares of Common Stock that may be made available for purchase by
participating employees under the Plan is 400,000. The shares issuable under
the Plan may, in the discretion of the Board of Directors of the Company (the
"Board"), be authorized but unissued shares, treasury shares or issued and
outstanding shares that are purchased in the open market.

2.       ADMINISTRATION.

         The Plan shall be administered by the Board or by a Committee
appointed by the Board (the "Committee"). No member of the Board or the
Committee shall be liable for any action or determination made in good faith
with respect to the Plan.

3.       INTERPRETATION.

         It is intended that the Plan will meet the requirements for an
"employee stock purchase plan" under Section 423 of the Internal Revenue Code
of 1986 (the "Code"), and it is to be so applied and interpreted. Subject to
the express provisions of the Plan, the Committee shall have authority to
interpret the Plan, to prescribe, amend and rescind rules relating to it, and
to make all other determinations necessary or advisable in administering the
Plan, all of which determinations will be final and binding upon all persons.

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4.       ELIGIBLE EMPLOYEES.

         Any employee of the Company or any of its participating Affiliates may
participate in the Plan, except the following, who are ineligible to
participate: (a) an employee who has been employed by the Company or any of its
participating Affiliates for less than three months as of the beginning of a
Purchase Period (as defined in Section 8 below); (b) an employee whose
customary employment is for less than nine months in any calendar year; (c) an
employee whose customary employment is 20 hours or less per week; and (d) an
employee who, after exercising his or her rights to purchase shares under the
Plan, would own shares of Common Stock (including shares that may be acquired
under any outstanding options) representing five percent or more of the total
combined voting power or value of all classes of stock of the Company (for
purposes of this Section 4, the rules of Section 424(d) of the Code shall apply
in determining the stock ownership of any employee). The term "participating
Affiliate" means any company or other trade or business that is a subsidiary of
the Company (determined in accordance with the principles of Sections 424(f) of
the Code and the regulations thereunder). The Board may at any time in its sole
discretion, if it deems it advisable to do so, terminate the participation of
the employees of a particular participating Affiliate.

5.       PARTICIPATION IN THE PLAN.

         An eligible employee may become a participating employee in the Plan
by completing an election to participate in the Plan on a form provided by the
Company and submitting that form to the person designated on the form to
receive such form for the Company. The form will authorize payroll deductions
(as provided in Section 6 below) and authorize the purchase of shares of Common
Stock for the employee's account in accordance with the terms of the Plan.
Enrollment will become effective upon the first day of the first Offering
Period.

6.       PAYROLL DEDUCTIONS.

         At the time an eligible employee submits his or her election to
participate in the Plan (as provided in Section 5 above), the employee shall
elect to have deductions made from his or her pay, on each pay day following
his or her enrollment in the Plan, and for as long as he or she shall
participate in the Plan. The deductions will be credited to the participating
employee's account under the Plan in any whole percent amount, but in no event
less than one percent (1%) nor more than fifteen percent (15%) (or such lower
percentage as may be established by the Board or Committee), not to exceed
$25,000 per year. An employee may not during any Purchase Period change his or
her percentage of payroll deduction for that Purchase Period, nor may an
employee withdraw any contributed funds, other than in accordance with Sections
15 through 20 below.

7.       INTEREST ON PAYROLL DEDUCTIONS.

         The Company and participating Affiliates will cause to be maintained a
record of amounts credited to each participating employee authorizing a payroll
deduction pursuant to Section 6. The Company may, but is not required to,
credit interest on the balance of the employees' accounts during the Offering
Period. If interest is credited to such accounts, the rate may be a fixed or
variable rate determined by the Company.

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8.       OFFERING AND PURCHASE PERIODS.

         The periods during which the shares of Common Stock may be purchased
(the "Offering Period") will be 24 months or such other period as is determined
by the Committee. Within the Offering Period, there will be four or more
"Purchase Periods." Purchase Periods are the time periods determined by the
Committee at the end of which the shares of Common Stock may be purchased by
the employees based on the salary deductions of such periods. The initial
Offering Period shall commence on the date determined by the Committee and end
on a date determined by the Committee, and every Offering Period thereafter,
shall commence immediately after the prior Offering Period ends and shall be a
24-month period until changed by the Committee. The initial Purchase Period
shall commence on the first day of the Offering Period and end on at the end of
the sixth month from the commencement of the Purchase Period until changed by
the Committee, and every Purchase Period thereafter, shall commence immediately
after the prior Purchase Period ends and shall be a six month period until
changed by the Committee.

9.       RIGHTS TO PURCHASE COMMON STOCK; PURCHASE PRICE.

         Rights to purchase shares of Common Stock will be deemed granted to
participating employees as of the first trading day of each Offering Period.
The purchase price of each share of Common Stock (the "Purchase Price") shall
be the lesser of 85 percent of the fair market value of the Common Stock (i) on
the first trading day of the Purchase Period or (ii) on the last trading day of
the Purchase Period, unless the Purchase Price is otherwise established by the
Committee; provided that in no event shall the Purchase Price be less than the
amount determined pursuant to subparagraphs (i) and (ii) above or the par value
of the Common Stock. For purposes of the Plan, "fair market value" means the
value of each share of Common Stock subject to the Plan determined as follows:
if on the determination date the shares of Common Stock are listed on an
established national or regional stock exchange, are admitted to quotation on
the National Association of Securities Dealers Automated Quotation system, or
are publicly traded on an established securities market, the fair market value
of the shares of Common Stock shall be the closing price of the shares of
Common Stock on such exchange or in such market (the highest such closing price
if there is more than one such exchange or market) on the trading day
immediately preceding the determination date (or if there is no such reported
closing price, the fair market value shall be the mean between the highest bid
and lowest asked prices or between the high and low sale prices on such trading
day) or, if no sale of the shares of Common Stock is reported for such trading
day, on the next preceding day on which any sale shall have been reported. If
the shares of Common Stock are not listed on such an exchange, quoted on such
system or traded on such a market, fair market value shall be determined by the
Board in good faith.

10.      TIMING OF PURCHASE; PURCHASE LIMITATION.

         Unless a participating employee has given prior written notice
terminating such employee's participation in the Plan, or the employee's
participation in the Plan has otherwise been terminated as provided in Sections
16 through 20 below, such employee will be deemed to have exercised
automatically his or her right to purchase Common Stock on the last trading day
of the Purchase Period (except as provided in Section 15 below) for the number
of shares of Common Stock which the accumulated funds in the employee's account
at that time will

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purchase at the Purchase Price, subject to the participation adjustment
provided for in Section 14 below and subject to adjustment under Section 26
below. Notwithstanding any other provision of the Plan, no employee may
purchase in any one calendar year under the Plan and all other "employee stock
purchase plans" of the Company and its participating Affiliates shares of
Common Stock having an aggregate fair market value in excess of $25,000,
determined as of the first trading date of the Purchase Period as to shares
purchased during such period. Effective upon the last trading day of the
Purchase Period, a participating employee will become a stockholder with
respect to the shares purchased during such period, and will thereupon have all
dividend, voting and other ownership rights incident thereto. Notwithstanding
the foregoing, no shares shall be sold pursuant to the Plan unless the Plan is
approved by the Company's stockholders in accordance with Section 25 below.

11.      ISSUANCE OF STOCK CERTIFICATES.

         As of the last trading day of the Purchase Period, a participating
employee will be credited with the number of shares of Common Stock purchased
for his or her account under the Plan during such Offering Period. Shares
purchased under the Plan will be held in the custody of an agent (the "Agent")
appointed by the Committee. The Agent may hold the shares purchased under the
Plan in stock certificates, in nominee names and may commingle shares held in
its custody in a single account or stock certificates without identification as
to individual participating employees. A participating employee may, at any
time following his or her purchase of shares under the Plan, by written notice,
instruct the Agent to have all or part of such shares reissued in the
participating employee's own name and have the stock certificate delivered to
the employee.

12.      WITHHOLDING OF TAXES.

         To the extent that a participating employee realizes ordinary income
in connection with a sale or other transfer of any shares of Common Stock
purchased under the Plan, the Company may withhold amounts needed to cover such
taxes from any payments otherwise due and owing to the participating employee
or from shares that would otherwise be issued to the participating employee
hereunder. Any participating employee who sells or otherwise transfers shares
purchased under the Plan within two years after the beginning of the Offering
Period in which the shares were purchased must within 30 days of such transfer
notify the payroll department of the Company in writing of such transfer.

13.      ACCOUNT STATEMENTS.

         The Company will cause the Agent to deliver to each participating
employee a statement for each Purchase Period during which the employee
purchases shares of Common Stock under the Plan, but no more frequently than
quarterly, reflecting the amount of payroll deductions during the Purchase
Period, the number of shares purchased for the employee's account, the price
per share of the shares purchased for the employee's account and the number of
shares held for the employee's account at the end of the Purchase Period.

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14.      PARTICIPATION ADJUSTMENT.

         If in any Purchase Period the number of unsold shares that may be made
available for purchase under the Plan pursuant to Section 1 above is
insufficient to permit exercise of all rights deemed exercised by all
participating employees pursuant to Section 10 above, a participation
adjustment will be made, and the number of shares purchasable by all
participating employees will be reduced proportionately. Any funds then
remaining in a participating employee's account after such exercise will be
refunded to the employee.

15.      CHANGES IN ELECTIONS TO PURCHASE.

         (a)      A participating employee may, at any time prior to the last
                  day of the Purchase Period, by written notice to the Company,
                  direct the Company to cease payroll deductions (or, if the
                  payment for shares is being made through periodic cash
                  payments, notify the Company that such payments will be
                  terminated), in accordance with the following alternatives:

                  (i)      The employee's option to purchase shall be reduced
to the number of shares which may be purchased, as of the last day of the
Purchase Period, with the amount then credited to the employee's account; or

                  (ii)     Withdraw the amount in such employee's account and
terminate such employee's option to purchase.

         (b)      Any participating employee may increase or decrease his or
                  her payroll deduction or periodic cash payments, to take
                  effect on the first day of the next Purchase Period, by
                  delivering to the Company a new form regarding election to
                  participate in the Plan under Section 5 above.

16.      TERMINATION OF EMPLOYMENT.

         In the event a participating employee voluntarily leaves the employ of
the Company or a participating Affiliate, otherwise than by death or retirement
(under Section 17 below) prior to the last day of the Purchase Period, the
amount in the employee's account will be distributed and the employee's option
to purchase will terminate.

17.      RETIREMENT.

         In the event a participating employee who has an option to purchase
shares leaves the employ of the Company or a participating Affiliate because of
retirement under a plan of the Company or a participating Affiliate, the
participating employee may elect, within 30 days after the date of such
retirement, one of the following alternatives:

         (a)      To make up any deficiency in the employee's account resulting
                  from the termination of payroll deductions by an immediate
                  cash payment;

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         (b)      The employee's option to purchase shall be reduced to the
                  number of shares which may be purchased, as of the last day
                  of the Purchase Period, with the amount then credited to the
                  employee's account; or

         (c)      Withdraw the amount in such employee's account and terminate
                  such employee's option to purchase.

         In the event the participating employee does not make an election
within the aforesaid 30-day period, he or she will be deemed to have elected
subsection (c) above.

18.      LAY-OFF, AUTHORIZED LEAVE OF ABSENCE OR DISABILITY.

         Payroll deductions for shares for which a participating employee has
an option to purchase may be suspended during any period of absence of the
employee from work due to lay-off, authorized leave of absence or disability
or, if the employee so elects, periodic payments for such shares may continue
to be made in cash.

         If such employee returns to active service prior to the last day of
the Purchase Period, the employee's payroll deductions will be resumed and if
said employee did not make periodic cash payments during the employee's period
of absence, the employee shall, by written notice to the Company's payroll
department within 10 days after the employee's return to active service, but
not later than the last day of the Purchase Period, elect:

         (a)      To make up any deficiency in the employee's account resulting
                  from a suspension of payroll deductions by an immediate cash
                  payment;

         (b)      To not make up such deficiency, in which event the number of
                  shares to be purchased by the employee shall be reduced to
                  the number of whole shares which may be purchased with the
                  amount, if any, then credited to the employee's account plus
                  the aggregate amount, if any, of all payroll deductions to be
                  made thereafter; or

         (c)      To withdraw the amount in the employee's account and
                  terminate the employee's option to purchase.

         A participating employee on lay-off, authorized leave of absence or
disability on the last day of the Purchase Period shall deliver written notice
to his or her employer on or before the last day of the Purchase Period,
electing one of the alternatives provided in the foregoing clauses (a), (b) and
(c) of this Section 18.

         If any employee fails to deliver the required written notice within 10
business days after the employee's return to active service or by the last day
of the Purchase Period, whichever is earlier, the employee shall be deemed to
have elected subsection (c) above.

         If the period of a participating employee's lay-off, authorized leave
of absence or disability shall terminate on or before the last day of the
Purchase Period, and the employee shall not resume active employment with the
Company or a participating Affiliate, the employee shall receive a distribution
in accordance with the provisions of Section 16 of this Plan.

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19.      DEATH.

         In the event of the death of a participating employee while the
employee's option to purchase shares is in effect, the legal representatives of
such employee may, within three months after the employee's death (but no later
than the last day of the Purchase Period) by written notice to the Company or
participating Affiliate, elect one of the following alternatives:

         (a)      To make up any deficiency in the employee's account resulting
                  from a suspension of payroll deductions by an immediate cash
                  payment;

         (b)      The employee's option to purchase shall be reduced to the
                  number of shares which may be purchased, as of the last day
                  of the Purchase Period, with the amount then credited to the
                  employee's account; or

         (c)      To withdraw the amount in such employee's account and
                  terminate such employee's option to purchase.

         In the event the legal representatives of such employee fail to
deliver such written notice to the Company or participating Affiliate within
the prescribed period, the election to purchase shares shall terminate and the
amount, then credited to the employee's account shall be paid to such legal
representatives.

20.      TERMINATION OF PARTICIPATION.

         A participating employee will be refunded all moneys in his or her
account, and his or her participation in the Plan will be terminated if either
(a) the Board elects to terminate the Plan as provided in Section 25 below, or
(b) the employee ceases to be eligible to participate in the Plan under Section
4 above. As soon as practicable following termination of an employee's
participation in the Plan, the Company will deliver to the employee a check
representing the amount in the employee's account and a stock certificate
representing the number of whole shares held in the employee's account. Once
terminated, participation may not be reinstated for the then current Purchase
Period or the next two subsequent Purchase Periods, but, if otherwise eligible,
the employee may elect to participate in Purchase Periods thereafter.

21.      ASSIGNMENT.

         No participating employee may assign his or her rights to purchase
shares of Common Stock under the Plan, whether voluntarily, by operation of law
or otherwise. Any payment of cash or issuance of shares of Common Stock under
the Plan may be made only to the participating employee (or, in the event of
the employee's death, to the employee's designated beneficiary (pursuant to
such procedures as the Committee establishes) or absent such designation to the
employee's estate). Once a stock certificate has been issued to the employee or
for his or her account, such certificate may be assigned the same as any other
stock certificate.

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22.      APPLICATION OF FUNDS.

         All funds received or held by the Company under the Plan shall be
deposited with the Agent for the account of the participating employees.
Participating employees' accounts will not be segregated.

23.      NO RIGHT TO CONTINUED EMPLOYMENT.

         Neither the Plan nor any right to purchase Common Stock under the Plan
confers upon any employee any right to continued employment with the Company or
any of its participating Affiliates, nor will an employee's participation in
the Plan restrict or interfere in any way with the right of the Company or any
of its participating Affiliates to terminate the employee's

24.      AMENDMENT OF PLAN.

         The Board may, at any time, amend the Plan in any respect (including
an increase in the percentage specified in Section 9 above used in calculating
the Purchase Price); provided, however, that without approval of the
stockholders of the Company no amendment shall be made (a) increasing the
number of shares specified in Section 1 above that may be made available for
purchase under the Plan (except as provided in Section 26 below) or (b)
changing the eligibility requirements for participating in the Plan.

25.      EFFECTIVE DATE; TERM AND TERMINATION OF THE PLAN.

         The Plan shall be effective as of the date of adoption by the Board,
which date is set forth below, subject to approval of the Plan by a majority of
the votes present and entitled to vote at a duly held meeting of the
stockholders of the Company at which a quorum representing a majority of all
outstanding voting stock is present, either in person or by proxy; provided,
however, that upon approval of the Plan by the stockholders of the Company as
set forth above, all rights to purchase shares granted under the Plan on or
after the effective date shall be fully effective as if the stockholders of the
Company had approved the Plan on the effective date. If the stockholders fail
to approve the Plan on or before one year after the effective date, the Plan
shall terminate, any rights to purchase shares granted hereunder shall be null
and void and of no effect and all contributed funds shall be refunded to
participating employees. The Board may terminate the Plan at any time and for
any reason or for no reason, provided that such termination shall not impair
any rights of participating employees that have vested at the time of
termination. In any event, the Plan shall, without further action of the Board,
terminate ten years after the date of adoption of the Plan by the Board or, if
earlier, at such time as all shares of Common Stock that may be made available
for purchase under the Plan pursuant to Section 1 above have been issued.

26.      EFFECT OF CHANGES IN CAPITALIZATION.

         (a)      CHANGES IN COMMON STOCK.

         If the number of outstanding shares of Common Stock is increased or
decreased or the shares of Common Stock are changed into or exchanged for a
different number or kind of shares

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or other securities of the Company by reason of any recapitalization,
reclassification, stock split, reverse split, combination of shares, exchange
of shares, stock dividend, or other distribution payable in capital stock, or
other increase or decrease in such shares effected without receipt of
consideration by the Company occurring after the effective date of the Plan,
the number and kinds of shares that may be purchased under the Plan shall be
adjusted proportionately and accordingly by the Company. In addition, the
number and kind of shares for which rights are outstanding shall be similarly
adjusted so that the proportionate interest of a participating employee
immediately following such event shall, to the extent practicable, be the same
as immediately prior to such event. Any such adjustment in outstanding rights
shall not change the aggregate Purchase Price payable by a participating
employee with respect to shares subject to such rights, but shall include a
corresponding proportionate adjustment in the Purchase Price per share.

         (b)      REORGANIZATION IN WHICH THE COMPANY IS THE SURVIVING
                  CORPORATION.

         Subject to Subsection (c) of this Section 26, if the Company shall be
the surviving corporation in any reorganization, merger or consolidation of the
Company with one or more other corporations, all outstanding rights under the
Plan shall pertain to and apply to the securities to which a holder of the
number of shares of Common Stock subject to such rights would have been
entitled immediately following such reorganization, merger or consolidation,
with a corresponding proportionate adjustment of the Purchase Price per share
so that the aggregate Purchase Price thereafter shall be the same as the
aggregate Purchase Price of the shares subject to such rights immediately prior
to such reorganization, merger or consolidation.

         (c)      REORGANIZATION IN WHICH THE COMPANY IS NOT THE SURVIVING
                  CORPORATION OR SALE OF ASSETS OR STOCK.

         Upon any dissolution or liquidation of the Company, or upon a merger,
consolidation or reorganization of the Company with one or more other
corporations in which the Company is not the surviving corporation, or upon a
sale of all or substantially all of the assets of the Company to another
corporation, or upon any transaction (including, without limitation, a merger
or reorganization in which the Company is the surviving corporation) approved
by the Board that results in any person or entity owning more than 80 percent
of the combined voting power of all classes of stock of the Company, the Plan
and all rights outstanding hereunder shall terminate, except to the extent
provision is made in writing in connection with such transaction for the
continuation of the Plan and/or the assumption of the rights theretofore
granted, or for the substitution for such rights of new rights covering the
stock of a successor corporation, or a parent or subsidiary thereof, with
appropriate adjustments as to the number and kinds of shares and exercise
prices, in which event the Plan and rights theretofore granted shall continue
in the manner and under the terms so provided. In the event of any such
termination of the Plan, all current Purchase Periods and Offering Periods
shall be deemed to have ended on the last trading day prior to such
termination, and in accordance with Section 10 above the rights of each
participating employee then outstanding shall be deemed to be automatically
exercised on such last trading day. The Board shall send written notice of an
event that will result in such a termination to all participating employees not
later than the time at which the Company gives notice thereof to its
stockholders.

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         (d)      ADJUSTMENTS.

         Adjustments under this Section 26 related to stock or securities of
the Company shall be made by the Committee, whose determination in that respect
shall be final, binding, and conclusive.

         (e)      NO LIMITATIONS ON COMPANY.

         The grant of a right pursuant to the Plan shall not affect or limit in
any way the right or power of the Company to make adjustments,
reclassifications, reorganizations or changes of its capital or business
structure or to merge, consolidate, dissolve or liquidate, or to sell or
transfer all or any part of its business or assets.

27.      GOVERNMENTAL REGULATION.

         The Company's obligation to issue, sell and deliver shares of Common
Stock pursuant to the Plan is subject to such approval of any governmental
authority and any national securities exchange or other market quotation system
as may be required in connection with the authorization, issuance or sale of
such shares.

28.      STOCKHOLDER RIGHTS.

         Any dividends paid on shares held by the Company for a participating
employee's account will be transmitted to the employee. The Company will
deliver to each participating employee who purchases shares of Common Stock
under the Plan, as promptly as practicable by mail or otherwise, all notices of
meetings, proxy statements, proxies and other materials distributed by the
Company to its stockholders. Any shares of Common Stock held by the Agent for
an employee's account will be voted in accordance with the employee's duly
delivered and signed proxy instructions. There will be no charge to
participating employees in connection with such notices, proxies and other
materials.

29.      RULE 16B-3.

         Transactions under this Plan are intended to comply with all
applicable conditions of Rule 16b-3 or any successor provision under the
Securities Exchange Act of 1934, as amended. If any provision of the Plan or
action by the Board fails to so comply, it shall be deemed null and void to the
extent permitted by law and deemed advisable by the Board. Moreover, in the
event the Plan does not include a provision required by Rule 16b-3 to be stated
herein, such provision (other than one relating to eligibility requirements, or
the price and amount of awards) shall be deemed automatically to be
incorporated by reference into the Plan.

30.      PAYMENT OF PLAN EXPENSES.

         The Company will bear all costs of administering and carrying out the
Plan; provided however, participating employees shall bear all costs incurred
subsequent to the issuance of stock certificates pursuant to Section 11.

                                      10<PAGE>

                                  EXHIBIT 10.2

                     Standard LIBOR Grid Note Agreement with

                     Manufacturers and Traders Trust Company

                               Dated July 22, 2001

<PAGE>

                                                        STANDARD LIBOR GRID NOTE
                                                                        New York
July 22, 2001
$5,000,000.00

BORROWER: ABLEST INC., a corporation organized under the laws of Delaware

Address of residence/chief executive office: 1901 Ulmerton Road, Clearwater,
Florida 33762

BANK: MANUFACTURERSADERS TRUST COMPANY, a New York banking corporation with its
principal banking office at One M&T Plaza, Buffalo, New York 14240 Attention:
Office of General Counsel

I. DEFINITIONS. Each capitalized term shall have the meaning specified herein
and the following terms shall have the indicated meanings:

         a. "Authorized Person" shall mean, each individually, Mark Kashmanian,
         Maria Hunger, Sandra Beiter . Mention of the Authorized Person's name
         is for reference purposes only and the Bank may rely on a person's
         title to ascertain whether someone is an Authorized Person.

         b. "Automatic Adjustment Date" shall mean two (2) Business Days before
         the last day of the Interest Period initially selected by the Borrower
         for a LIBOR Rate Loan that is subject to the Automatic Continuation
         Option.

         c. "Automatic Continuation Option" shall mean the option to have the
         interest Period for a LIBOR Rate Loan to automatically continue at the
         same Interest Period duration initially selected by the Borrower for
         such LIBOR Rate Loan as of the last day such Interest Period.

         d. "Base Rate" shall mean equal to the rate of interest announced by
         the Bank as its prime rate of interest ("Prime').

         e. "Base Rate Loan" shall mean a Loan which bears interest at the Base
         Rate.

         f. "Business Day" shall mean any day of the year on which banking
         institutions in New York, New York are not authorized or required by
         law or other governmental action to close and, in connection with the
         LIBOR Rate, on which dealings are carried on in the London interbank
         market.

         g. "Continuation Date" shall mean the date on which Borrower's election
         to continue a LIBOR Rate Loan for another Interest Period becomes
         effective in accordance with this Note.

         h. "Conversion Date" shall mean the date on which Borrower's election
         to convert a Base Rate Loan to a LIBOR Rate Loan or a LIBOR Rate Loan
         to a Base Rate Loan becomes effective in accordance with this Note.

         i. "Interest Period" shall mean, as to any LIBOR Rate Loan, the period
         commencing on the Draw Date, the Conversion Date or Continuation Date
         for such LIBOR Rate Loan and ending on the numerically corresponding
         day (or, if there is no numerically corresponding day, on the last day)
         of the calendar month that is one (1), two (2) or three (3) months
         thereafter, in each case as Borrower may elect; provided, however, that
         if an Interest Period would end on a day that is not a Business Day,
         such Interest Period shall be extended to the next succeeding Business
         Day unless such next succeeding Business Day would fall in the next
         calendar month, in which case such Interest Period shall end on the
         immediately preceding Business Day.

         j. "Draw Date" shall mean, in relation to any Loan, the Business Day on
         which such Loan is made, or to be made, to Borrower pursuant to the
         Note.

         k. "LIBOR Rate Loan" shall mean a Loan which bears interest at the
         LIBOR Rate.

         l. "LIBOR" shall mean the rate obtained by dividing (i) the one, two or
         three month interest period London Interbank Offered Rate (as selected
         by Borrower) as fixed by the British Bankers Association for United
         States dollar deposits in the London Interbank Eurodollar Market at
         approximately I 1:00 a.m. London, England time (or as soon thereafter
         as practicable) as determined by the Bank from any broker, quoting
         service or commonly available source utilized by the Bank by (ii) a
         percentage equal to 100% minus the stated maximum rate of all reserves
         required to be maintained against 'Eurocurrency Liabilities" as
         specified in Regulation D (or against any other category of liabilities
         which includes deposits by reference to which the interest rate on
         LIBOR Rate Loan or Loans is determined or any category of extensions of
         credit or other assets which includes loans by a non-United States'
         office of a bank to United States' residents) on such date to any
         member bank of the Federal Reserve System.

                                       1
<PAGE>

         m. "LIBOR Rate" shall mean 2.5 percentage points above LIBOR with an
         Interest Period selected by Borrower.

         n. "Loan" means a loan made to Borrower by the Bank pursuant to this
         Note.

         o. "Maximum Principal Amount" shall mean FIVE MILLION DOLLARS AND NO
         CENTS ($5,000,000.00).

         p. "Minimum Borrowing Amount' shall mean (i) for Base Rate Loans, any
         whole dollar increment and (ii) for LIBOR Rate Loans, $100,000.00 with
         minimum increments thereafter of $100,000.00; provided, however, in no
         event shall the Minimum Borrowing Amount for a LIBOR Rate Loan be less
         than $100,000.00 with minimum increments thereafter of $100,000.00.

         q. "Outstanding Principal Amount" shall mean the actual outstanding
         principal amount under this Note at any time.

2. PAYMENT OF PRINCIPAL, INTEREST AND EXPENSES

a. Promise to Pay. For value received, and intending to be legally bound,
Borrower promises to pay to the order of the Bank on demand, the Maximum
Principal Amount or the Outstanding Principal Amount, if less; plus interest as
set forth 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 ('Expenses").

b. Interest. Each Loan shall earn interest on the Outstanding Principal Amount
thereof calculated on the basis of a 360-day year for the actual number of days
of each year (365 or 366) that on each day shall be:

         i. LIBOR Rate Loans. Interest shall accrue on a LIBOR Rate Loan from
         and including the first day of the Interest Period applicable thereto
         until, but not including, the last day of such Interest Period or the
         day the LIBOR Rate Loan is paid in full (if sooner) at a rate per annum
         equal to the LIBOR Rate in effect on the following dates (depending on
         the circumstance): (i) for new LIBOR Rate Loans, the Business Day the
         Bank receives (or is deemed to receive) a Request for a LIBOR Rate
         Loan; (ii) for conversions and continuations of LIBOR Rate Loans
         pursuant to Section 4, the Business Day the Bank receives (or is deemed
         to receive) the Notice of Conversion or Notice of Continuation, as the
         case may be, in accordance with Section 4(b); for LIBOR Rate Loans
         where the Automatic Continuation Option is selected, the Automatic
         Adjustment Date for such LIBOR Rate Loan.

         ii. Base Rate Loans. Interest shall accrue on a Bass Rate Loan from and
         including the first date the Base Rate Loan was made (i.e., the Draw
         Date or the Conversion Date, as the case may be) to, but not including,
         the day such Base Rate Loan is paid in full or converted, at the rate
         per annum equal to the Base Rate. Any change in the Base Rate resulting
         from a change in Prime shall be effective on the date of such change.

c. 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.

d. Payments; Late Charge; Default Rate. Payments shall be made in immediately
available United States funds at any banking office of the Bank. Absent demand
for payment in full, interest shall be due and payable as follows: unless
demanded sooner, (i) in respect to each Base Rate Loan, monthly when invoiced
and (ii) in respect to each LIBOR Rate Loan, on the last day of each Interest
Period applicable thereto. If payment is not received within five days of its
due date, Borrower shall pay a late charge equal to the greatest of (a) 5% of
the delinquent amount, (b) the Bank's then current late charge as announced by
the Bank from time to time, or (c) $50.00. In addition, if the Bank has not
actually received any payment under this Note within thirty days after its due
date, from and after such thirtieth day the interest rate for all amounts
outstanding under this Note shall automatically increase to 5 percentage points
above the higher of the Base Rate or the highest LIBOR Rate, and any judgment
entered hereon or otherwise in connection with any suit to collect amounts due
hereunder shall bear interest at such default rate. Payments may be applied in
any order in the sole discretion of the Bank but, prior to demand, shall be
applied first to past due interest, Expenses, late charges, and principal
payments, if any, which are past due, then to current interest and Expenses and
late charges, and last to remaining principal.

                                       2
<PAGE>

e. Prepayment of LIBOR Rate Loans. If (i) Borrower pays, in whole or in part,
any LIBOR Rate Loan, before the expiration of its respective Interest Rate
Period, (ii) fails to draw down, in whole or in part, a LIBOR Rate Loan after
giving a Request therefor, (iii) otherwise tries to revoke any LIBOR Rate Loan,
in whole or in part, or (iv) there occurs a Bankruptcy Event or the applicable
rate is converted from the LIBOR Rate to the Base Rate pursuant to Section 4(d),
then Borrower shall be liable for and shall pay the Bank, on demand, the higher
of $250.00 or the actual amount of the liabilities, expenses, costs or funding
losses that are a direct or indirect result of such prepayment, failure to draw,
early termination of an Interest Period, revocation, bankruptcy or otherwise,
whether such liability, expense, cost or loss is by reason of (a) any reduction
in yield, by reason of the liquidation or reemployment of any deposit or other
funds acquired by the Bank, (b) the fixing of the interest rate payable on any
LIBOR Rate Loans or (c)otherwise. The determination by the Bank of the amount of
foregoing amount shall, in the absence of manifest error, be conclusive and
binding upon Borrower.

3. LOANS.

a. General. Any Loan hereunder shall either be in the form of a Base Rate Loan
or a LIBOR Rate Loan. No Loan, or any portion thereof, shall be made to the
extent that the sum of the (i) principal amount of the requested Loan, or any
portion thereof and (ii) the Outstanding Principal Amount of all Loans under the
Note exceeds the Maximum Principal Amount under this Note. The Bank may make any
Loan 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 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.

b. Request for LIBOR Rate Loans. Borrower shall give the Bank its irrevocable
Request for a LIBOR Rate Loan specifying:

         i. the Draw Date for the LIBOR Rate Loan, which shall be a two (2)
         Business Days from the date the Request; provided, however if a Request
         is received by the Bank after 2:00 p.m. (Eastern Standard Time), the
         Request for the LIBOR Rate Loan shall be deemed to have been received
         on the next Business Day;

         ii. the aggregate amount of such LIBOR Rate Loan, which amount shall
         not be less than the Minimum Borrowing Amount;

         iii. the applicable Interest Period (i.e., 1, 2 or 3 month Interest
         Period); and

         iv. whether Borrower is electing to have the Automatic Continuation
         Option for such LIBOR Rate Loan.

c. Requests for Base Rate Loans. Borrower may request any Base Rate Loan not
later than 2:00 p.m. (Eastern Standard Time) on any proposed Draw Date
specifying the aggregate amount of such Base Rate Loan.

d. Delivery of Requests Delivery of a Notice or Request for a LIBOR Rate Loan or
a Base Rate Loan shall be made to the Bank at the following as follows, or such
other address designated by the Bank from time to time:

                     Manufacturers and Traders Trust Company
                                Attn: Kevin Quinn
                              Fax No. 716-848-7361
                           Telephone No. 716-848-7362

4. CONTINUATION and CONVERSION ELECTIONS.

a. Election. An Authorized Person of Borrower may, upon irrevocable Request to
the Bank,

         i. elect to convert on any Business Day any Base Rate Loan into a LIBOR
         Rate Loan provided the amount converted is not less than the Minimum
         Borrowing Amount; or

         ii. elect to convert any or a part of LIBOR Rate Loan as of the last
         day of the applicable Interest Period into a Base Rate Loan provided no
         partial conversion of a LIBOR Rate Loan shall reduce the outstanding
         principal amount of such LIBOR Rate Loan to less than the Minimum
         Borrowing Amount; or

         iii. elect to continue all or a part (subject to the Minimum Borrowing
         Amount limitation) of any LIBOR Rate Loan as of the last day of the
         Interest Period applicable to such LIBOR Rate Loan with the same or
         different Interest Period provided no partial continuation of a LIBOR
         Rate Loan with a different Interest Period shall reduce the outstanding
         principal amount of the LIBOR Rate Loan with the same Interest Period
         to less than the Minimum Borrowing Amount.

                                       3
<PAGE>

b. Notice of Conversion/Continuation.

         i. For an election under Section 4(a)(i) or 4(a)(iii), an Authorized
         Person must deliver to the Bank by 2:00 p.m. (Eastern Standard Time) on
         a Business Day a Notice of Conversion ("Notice of Conversion') for an
         election under Section 4(a)(i) or a Notice of Continuation ("Notice of
         Continuation") for an election under Section 4(a)(iii) specifying:

                  (a) the aggregate amount of the Loans to be converted or
                  continued;

                  (b) the duration of the requested Interest Period (i.e., 1, 2
                  or 3 month Interest Period); and

                  (c) whether the Automatic Continuation Option will be
                  activated for such LIBOR Rate Loan.

         ii. The Continuation Date or Conversion Date (as the case may be) shall
         be the later of (A) two (2) Business Days from the Business Day the
         Bank receives the Notice of Conversion or Notice of Continuation
         (either, a 'Notice') in accordance with the foregoing Section or (B)
         the last day of the relevant Interest Period if a Notice is received by
         the Bank more than two (2) Business Days before the last day of an
         Interest Period. If a Notice is received after 2:00 p.m. (Eastern
         Standard Time), the Notice will be deemed to have been received on the
         next Business Day. Notice of Continuation received more than two (2)
         Business Days before the end of an Interest Period shall be deemed to
         have been received two (2) Business Days before the end of such
         Interest Period for purposes of determining the LIBOR Rate for the next
         Interest Period per Section 2(b)(i). Accordingly, if, for example,
         Borrower has a LIBOR Rate Loan with a one month Interest Period ending
         on June 15 and wants to continue the LIBOR Rate Loan with a two month
         Interest Period, Borrower must deliver its Notice of Continuation
         identifying the new two month Interest Period to the Bank by 2:00 p.m.
         (Eastern Standard Time) on June 13 (provided that June 13 and June 14
         are Business Days).

         iii. For LIBOR Rate Loans where Borrower has elected to activate the
         Automatic Continuation Option, the Bank shall automatically continue
         such LIBOR Rate Loan with an same Interest Period initially selected by
         the Borrower. Once the Automatic Continuation Option has been activated
         for a LIBOR Rate Loan, the submission of a Notice of Conversion or a
         Notice of Continuation with a different Interest Period shall result in
         the cancellation of the Automatic Continuation Option for such LIBOR
         Rate Loan.

         iv. For an election under Section 4(a)(ii), an Authorized Person may
         deliver to the Bank a Notice of Conversion at any time during an
         Interest Period up to the last day of such Interest Period or may have
         the LIBOR Rate Loan automatically convert to a Base Rate Loan pursuant
         to Section 4(c). Any such Notice of Conversion delivered during an
         Interest Period shall be effective on the last day of the Interest
         Period.

         v. The Bank may take action on any Notice in reliance upon any
         oral, telephonic, written or teletransmitted Notice that the Bank in
         good faith believes to be valid and to have been made by Borrower or on
         behalf of Borrower by an Authorized Person. No Notice may be delivered
         by e-mail. The Bank may act on the Notice from 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 acting on any Notice
         under this Note. The Bank, in its sole discretion, may reject any
         Notice that is incomplete.

c. Expiration of Interest Period. If Borrower does not submit a Notice of
Continuation in accordance with Section 4(b)(i) and 4(b)(ii) so that the Bank
receives the Notice of Continuation at least two (2) Business Days before the
end of an Interest Period, the LIBOR Rate Loan shall automatically be converted
into a Base Rate Loan and such Loan shall accrue interest at the Base Rate until
two (2) Business Days after the Bank receives a Notice of Conversion pursuant to
Section 4(b)(i) and 4(b)(ii) electing to convert the Loan from a Base Rate Loan
to a LIBOR Rate Loan pursuant to Section 4(a)(i). A Notice of Continuation
received one (1) Business Day before the end of an Interest Period will not
effect a continuation of such Loan as a LIBOR Rate Loan. Rather, such LIBOR Rate
Loan shall automatically convert to a Base Rate Loan on the last day of the
Interest Period. The late Notice of Continuation, however, will be deemed to be
a Notice of Conversion that will be effective two (2) Business Days from the
date received by the Bank.

d. Conversion upon Default. Unless the Bank shall otherwise consent in writing,
if (i) Borrower has failed to pay when due, in whole or in part, the
indebtedness under the Note (whether by demand or otherwise), or (ii) there
exists a condition or event which with the passage of time, the giving of notice
or both shall constitute an event of default under any of Borrower's agreement
with the Bank, if any, Borrower may not elect to have a Loan converted or
continued as a LIBOR Rate Loan or have any Loan made as a LIBOR Rate Loan.
Further, the Bank, in its sole discretion, may (i) permit any outstanding LIBOR
Rate Loans to continue until the last day of the applicable Interest Period at
which time such Loan shall automatically be converted into a Base Rate Loan or
(ii) convert any outstanding LIBOR Rate Loans into a Base Rate Loan before the
end of the applicable Interest Period applicable to such LIBOR Rate Loan.

                                       4
<PAGE>

Notwithstanding the foregoing, if 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 (a 'Bankruptcy Event'), any outstanding
LIBOR Rate Loans shall be automatically converted to Base Rate Loans without
further action by the Bank and Borrower's rights to have Base Rate Loans
converted under Section 4 shall be automatically terminated. Nothing herein
shall be construed to be a waiver by the Bank to have any Loan accrue interest
at the Default Rate of interest (which shall be calculated from the higher of
the LIBOR Rate or the Base Rate) or the right of the Bank to the amounts set
forth in Section 2(e) of this Note.

5. 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 or otherwise owing by the Bank or any of its affiliates in
any capacity to Borrower or any guarantor or endorser of this Note. Such set-off
shall be deemed to have been exercised immediately at the time the Bank or such
affiliate elect to do so.

6. DEMAND FACILITY. The Bank may modify, restrict, suspend or terminate the
credit under this Note at any time for any reason and without affecting
Borrower's then existing obligation under this Note. The Bank shall have the
sole and absolute discretion whether to make any Loan or any portion of any Loan
requested by Borrower, and the Bank may refuse to make any requested Loan even
though the sum of the requested Loan and the Outstanding Principal Amount would
not exceed the Maximum Principal Amount. This is a demand Note and all amounts
hereunder shall become immediately due and payable upon demand by the Bank;
provided, however, that the Outstanding Principal Amount of this Note and all
accrued and unpaid interest shall automatically become immediately due and
payable upon the occurrence of a Bankruptcy Event with regard to Borrower or any
guarantor or endorser of this Note. Borrower hereby waives protest, presentment
and notice of any kind in connection with this Note.

7. 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 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 the 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.

8. PURPOSE. Borrower certifies (a.) that no Loan will be used to purchase margin
stock except with the Bank's express prior written consent for each such
purchase and (b.) that all Loans shall be used for a business purpose, and not
for any personal, family or household purpose.

9. AUTHORIZATION. Borrower, if a corporation, partnership, limited liability
company, trust or other entity, represents that it is duly organized and in good
standing or duly constituted in the state of its organization and is duly
authorized to do business in all jurisdictions material to the conduct of its
business; that the execution, delivery and performance of this Note have been
duly authorized by all necessary regulatory and corporate or partnership action
or by its governing instrument; that this Note has been duly executed by an
authorized officer, partner or trustee and constitutes a binding obligation
enforceable against Borrower and not in violation of any law, court order or
agreement by which Borrower is bound; and that Borrower's performance is not
threatened by any pending or threatened litigation.

10. INABILITY TO DETERMINE LIBOR RATES, INCREASED COSTS, ILLEGALITY.

a. Increased Costs. If the Bank shall determine that, due to either (a) the
introduction of any change (other than any change by way of imposition of or
increase in reserve requirements included in the calculation of the LIBOR) in or
in the interpretation of any requirement of law or (b) the compliance with any
guideline or request from any central bank or other governmental authority
(whether or not having the force of law), there shall be any increase in the
cost to the Bank of agreeing to make or making, funding or maintaining any LIBOR
Rate Loans, then Borrower shall be liable for, and shall from time to time, upon
demand therefor by the Bank and pay to the Bank such additional amounts as are
sufficient to compensate the Bank for such increased costs.

b. Inability to Determine Rates. If the Bank shall determine that for any reason
adequate and reasonable means do not exist for ascertaining LIBOR for any
requested Interest Period with respect to a proposed LIBOR Rate Loan, the Bank

                                       5
<PAGE>

will give notice of such determination to Borrower. Thereafter, the Bank may not
make or maintain LIBOR Rate Loans, as the case may be, hereunder until the Bank
revokes such notice in writing. Upon receipt of such notice, Borrower may revoke
any request for a LIBOR Rate Loan or Notice then submitted by it. If Borrower
does not revoke such notice the Bank may make, or continue the Loans, as
proposed by Borrower, in the amount specified in the applicable request
submitted by Borrower, but such Loans shall be made or continued as Base Rate
Loans instead of LIBOR Rate Loans, as the case may be.

c. Illegality. If the Bank shall determine that the introduction of any law
(statutory or common), treaty, rule, regulation, guideline or determination of
an arbitrator or of a governmental authority or in the interpretation or
administration thereof, has made it unlawful, or that any central bank or other
governmental authority has asserted that it is unlawful for the Bank to make
LIBOR Rate Loans, then, on notice thereof by the Bank to Borrower, the Bank may
suspend the making of LIBOR Rate Loans until the Bank shall have notified
Borrower that the circumstances giving rise to such determination shall no
longer exist. If the Bank shall determine that it is unlawful to maintain any
LIBOR Rate Loans, Borrower shall prepay in full all LIBOR Rate Loans then
outstanding, together with accrued interest, either on the last date of the
Interest Period thereof if the Bank may lawfully continue to maintain such LIBOR
Rate Loans to such day, or immediately, if the Bank may not lawfully continue to
maintain such LIBOR Rate Loans. If Borrower is required to prepay any LIBOR Rate
Loan immediately as set forth in this subsection, then concurrently with such
prepayment, Borrower may borrow from the Bank, in the amount of such repayment,
a Base Rate Loan.

11. 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 Note, 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.

12. 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 by e-mail is not valid notice under this or any other
agreement between Borrower and the Bank.

13. 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.

14. 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 New York. This Note will
be interpreted in accordance with the laws of the State of New York excluding
its conflict of laws rules.

BORROWER HEREBY IRREVOCABLY CONSENTS TO THE EXCLUSIVE JURISDICTION OF ANY STATE
OR FEDERAL COURT IN THE STATE OF NEW YORK 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

                                       6
<PAGE>

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.

15. BORROWER AND THE BANK HEREBY KNOWINGLY,VOLUNTARILY,AND INTENTIONALLY WAVE
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.

Preauthorized Transfers from Deposit Account. If a deposit account number is
provided in the following blank Borrower hereby authorizes the Bank to debit
available funds in Borrower's deposit account #____________________ with the
Bank automatically for any amount which becomes due under this Note or as
directed by an Authorized Person, by telephone.

Acknowledgment. Borrower acknowledges that it has read and understands all the
provisions of this Note, including the Governing Law, Jurisdiction and Waiver of
Jury Trial, and has been advised by counsel as necessary or appropriate.

Tax ID/SS# 65-0978462

Ablest Inc.

By: X /s/ W. DAVID FOSTER
    ---------------------
W. David Foster, CEO

Signature of Witness: X /s/ MARK P. KASHMANIAN
                      ------------------------
Mark Kashmanian, Treasurer, CAO

                                       7

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