Document:

LOAN AND SECURITY AGREEMENT

                                     BETWEEN

                       NEW STREAM COMMERCIAL FINANCE, LLC

                                    AS LENDER

                                       AND

                         CROCHET & BOREL SERVICES, INC.

                                   AS BORROWER

                             DATED: AUGUST 28, 2006

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<TABLE>
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                                          TABLE OF CONTENTS

<S>     <C>                                                                                  <C>
                                                                                             Page

1.  AMOUNT AND TERMS OF CREDIT. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   1

        1.1  Loans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   1
        1.2  Term and Prepayment. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   2
        1.3  Use of Proceeds. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   2
        1.4  Single Loan. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   2
        1.5  Interest . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   2
        1.6  Cash Management System . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   3
        1.7  Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   3
        1.8  Receipt of Payments. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   3
        1.9  Application and Allocation of Payments . . . . . . . . . . . . . . . . . . . . .   4
        1.10 Accounting . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   4
        1.11 Indemnity. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   4
        1.12 Borrowing Base; Reserves . . . . . . . . . . . . . . . . . . . . . . . . . . . .   5

2.  CONDITIONS PRECEDENT. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   5

        2.1  Conditions to the Initial Loans. . . . . . . . . . . . . . . . . . . . . . . . .   5
        2.2  Further Conditions to the Loans. . . . . . . . . . . . . . . . . . . . . . . . .   6

3.  REPRESENTATIONS, WARRANTIES AND AFFIRMATIVE COVENANTS . . . . . . . . . . . . . . . . . .   6

        3.1  Corporate Existence; Compliance with Law . . . . . . . . . . . . . . . . . . . .   6
        3.2  Executive Offices; Corporate or Other Names. . . . . . . . . . . . . . . . . . .   7
        3.3  Corporate Power; Authorization; Enforceable Obligations. . . . . . . . . . . . .   7
        3.4  Financial Statements and Projections; Books and Records. . . . . . . . . . . . .   7
        3.5  Material Adverse Change. . . . . . . . . . . . . . . . . . . . . . . . . . . . .   8
        3.6  Real Estate; Property. . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   8
        3.7  Ventures, Subsidiaries and Affiliates; Outstanding Stock and Indebt. . . . . . .   8
        3.8  Government Regulation; Margin Regulations. . . . . . . . . . . . . . . . . . . .   9
        3.9  Taxes; Charges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   9
        3.10 Payment of Obligations . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   9
        3.11 ERISA. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  10
        3.12 Litigation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  10
        3.13 Intellectual Property. . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  10
        3.14 Full Disclosure. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  10
        3.15 Hazardous Materials. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  11
        3.16 Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  11
        3.17 Deposit and Disbursement Accounts. . . . . . . . . . . . . . . . . . . . . . . .  11
        3.18 Accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  12
        3.19 Conduct of Business. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  12
        3.20 Anti-Terrorism Laws. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  12
        3.21 Further Assurances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  13

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        3.22 Brokers. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  13
        3.23 Solvency . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  13
        3.24 Acquisition Agreements . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  14

4.  FINANCIAL MATTERS; REPORTS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  14

        4.1  Reports and Notices. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  14
        4.2  Financial Covenants. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  15
        4.3  Other Reports and Information. . . . . . . . . . . . . . . . . . . . . . . . . .  15

5.  NEGATIVE COVENANTS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  15

6.  SECURITY INTEREST . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  18

        6.1  Grant of Security Interest . . . . . . . . . . . . . . . . . . . . . . . . . . . .18
        6.2  Lender's Rights. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  19
        6.3  Lender's Appointment as Attorney-in-fact . . . . . . . . . . . . . . . . . . . .  20
        6.4  Grant of License to Use Intellectual Property Collateral . . . . . . . . . . . .  20

7.  EVENTS OF DEFAULT: RIGHTS AND REMEDIES. . . . . . . . . . . . . . . . . . . . . . . . . .  21

        7.1  Events of Default. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  21
        7.2  Remedies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  22
        7.3  Waivers by Credit Parties. . . . . . . . . . . . . . . . . . . . . . . . . . . .  24
        7.4  Proceeds . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  24

8.  SUCCESSORS AND ASSIGNS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  24

9.  MISCELLANEOUS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  24

        9.1  No Oral Agreement; Complete Agreement; Modification of Agreement . . . . . . . .  24
        9.2  Expenses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  25
        9.3  No Waiver. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  25
        9.4  Severability; Section Titles . . . . . . . . . . . . . . . . . . . . . . . . . .  26
        9.5  Authorized Signature . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  26
        9.6  Notices. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  26
        9.7  Counterparts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  27
        9.8  Time of the Essence. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  27
        9.9  GOVERNING LAW. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  27
        9.10 SUBMISSION TO JURISDICTION; WAIVER OF JURY TRIAL . . . . . . . . . . . . . . . .  27
        9.11 USA Patriot Act Notice . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  28
        9.12 Press Releases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  28
        9.13 Reinstatement  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  28
        9.14 Maximum Legal Rate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  28
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                         INDEX OF EXHIBITS AND SCHEDULES

Schedule A                   Definitions
Schedule B                   Lender's and Borrower's Addresses for Notices
Schedule C                   [Intentionally Omitted]
Schedule D                   Cash Management System
Schedule E                   Fees and Expenses
Schedule F                   Schedule of Documents
Schedule G                   Financial Covenants

Disclosure Schedule  (3.2)   Places of Business; Corporate Names
Disclosure Schedule  (3.6)   Real Estate
Disclosure Schedule  (3.7)   Stock; Affiliates
Disclosure Schedule  (3.9)   Taxes
Disclosure Schedule  (3.11)  ERISA
Disclosure Schedule  (3.12)  Litigation
Disclosure Schedule  (3.13)  Intellectual Property
Disclosure Schedule  (3.15)  Environmental Matters
Disclosure Schedule  (3.16)  Insurance
Disclosure Schedule  (3.22)  Broker's Fees
Disclosure Schedule  (4.1)   Designated Vendors
Disclosure Schedule  (5(b))  Indebtedness
Disclosure Schedule  (5(e))  Liens
Disclosure Schedule  (6.1)   Actions to Perfect Liens

Exhibit A                    Form of Notice of Revolving Credit Advance
                             and Accounts Receivable Rollforward Analysis
Exhibit B                    [Intentionally Omitted]
Exhibit C                    Form of Borrowing Base Certificate
Exhibit D                    Form of Accounts Payable Analysis
Exhibit E                    [Intentionally Omitted]
Exhibit F                    Form of Revolving Credit Note
Exhibit G                    [Intentionally Omitted]
Exhibit H                    Form of Secretarial Certificate
Exhibit I                    Form of Power of Attorney
Exhibit J                    Form of Certificate of Compliance

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     This LOAN AND SECURITY AGREEMENT is dated as of August 28, 2006, and agreed
to  by  and  between  CROCHET  &  BOREL  SERVICES,  INC.,  a  Texas  corporation
("Borrower"),  and  NEW  STREAM  COMMERCIAL  FINANCE,  LLC,  a  Delaware limited
  --------
liability  company  ("Lender").
                      ------

                                    RECITALS

A.     Borrower  desires  to obtain the Loans and other financial accommodations
from Lender and Lender is willing to provide the Loans and accommodations all in
accordance  with  the  terms  of  this  Agreement.

B.     Capitalized terms used herein shall have the meanings assigned to them in
Schedule A and, for purposes of this Agreement and the other Loan Documents, the
----------
rules  of  construction  set  forth  in Schedule A shall govern.  All schedules,
                                        ----------
attachments,  addenda  and  exhibits  hereto,  or  expressly  identified to this
Agreement,  are  incorporated  herein by reference, and taken together with this
Agreement,  constitute  but  a  single  agreement.

                                    AGREEMENT

     NOW,  THEREFORE,  in consideration of the premises and the mutual covenants
hereinafter  contained,  the  parties  hereto  agree  as  follows:

1.     AMOUNT AND TERMS OF CREDIT

1.1    Loans.  (a)  Subject  to the terms and conditions of this Agreement, from
       -----
the  Closing Date and until the Commitment Termination Date (i) Lender agrees to
make  available  to Borrower advances (each, a "Revolving Credit Advance") in an
aggregate  outstanding amount not to exceed the Borrowing Availability, and (ii)
Borrower  may  at its request from time to time borrow, repay and reborrow under
this  Section  1.1.  The  Revolving  Credit  Loan  shall be evidenced by, and be
repayable  in  accordance  with the terms of, the Revolving Credit Note and this
Agreement.

     (b)     Borrower  shall  request each Revolving Credit Advance  by  written
notice  to  Lender  substantially  in  the  form of Exhibit A (each a "Notice of
Revolving  Credit Advance") given no later than 11:00 a.m. New York City time on
the  Business Day of the proposed advance. Lender shall be fully protected under
this  Agreement  in  relying  upon,  and shall be entitled to rely upon, (i) any
Notice  of  Revolving  Credit Advance believed by Lender to be genuine, and (ii)
the  assumption  that  the  Persons  making electronic requests or executing and
delivering a Notice of Revolving Credit Advance were duly authorized, unless the
responsible  individual acting thereon for Lender shall have actual knowledge to
the  contrary.  As  an  accommodation to Borrower, Lender may permit telephonic,
electronic,  or facsimile requests for a Revolving Credit Advance and electronic
or  facsimile transmittal of instructions, authorizations, agreements or reports
to  Lender  by  Borrower. Unless Borrower specifically directs Lender in writing
not  to  accept  or  act upon telephonic, facsimile or electronic communications
from Borrower, Lender shall have no liability to Borrower for any loss or damage
suffered by Borrower as a result of Lender's honoring of any requests, execution
of  any  instructions,  authorizations  or agreements or reliance on any reports
communicated  to  it

<PAGE>
telephonically,  by facsimile or electronically and purporting to have been sent
to  Lender by Borrower and Lender shall have no duty to verify the origin of any
such  communication  or  the  identity  or  authority  of the Person sending it.

     (c)     In making any Loan hereunder Lender shall be entitled to rely  upon
the  most  recent Borrowing Base Certificate delivered to Lender by Borrower and
other  information  available  to Lender. Lender shall be under no obligation to
make  any  further  Revolving  Credit  Advance  or incur any other Obligation if
Borrower  shall have failed to deliver a Borrowing Base Certificate to Lender by
the  time  specified  in  Section  4.1(b).  At  Lender's  option, all principal,
interest, fees, costs, expenses and other charges provided for in this Agreement
or  the  other  Loan Documents may be charged directly to the loan account(s) of
Borrower  maintained  by  Lender.

1.2     Term  and  Prepayment.  (a)  Upon  the  Commitment  Termination Date the
        ---------------------
obligation  of  Lender to make Revolving Credit Advances and extend other credit
hereunder  shall immediately terminate and Borrower shall pay to Lender in full,
in  cash:  (i)  all  outstanding  Revolving  Credit Advances and all accrued but
unpaid interest thereon; and (ii) all other non-contingent Obligations due to or
incurred  by  Lender.

     (b)     If  the  Revolving  Credit  Loan  shall  at  any  time  exceed  the
Borrowing  Availability,  then  Borrower  shall  immediately repay the Revolving
Credit  Loan  in  the  amount  of  such  excess.

     (c)     Borrower  shall  have the right, at any time upon thirty (30) days'
prior  written notice to Lender to (i) terminate voluntarily Borrower's right to
receive or benefit from, and Lender's obligation to make and to incur, Revolving
Credit  Advances  and  (ii) prepay all of the Obligations. The effective date of
termination  of  the Revolving Credit Loan specified in such notice shall be the
Commitment  Termination Date. If Borrower exercises its right of termination and
prepayment, or if Lender's obligation to make Loans is terminated for any reason
prior  to  the  Stated Expiry Date (including as a result of the occurrence of a
Default),  Borrower  shall  pay  to  Lender  the  applicable  Prepayment  Fee.

1.3     Use  of  Proceeds.  Borrower shall use the proceeds of the Loans to
        -----------------
refinance  on  the  Closing Date certain outstanding Indebtedness as provided in
Section  2.1(c)  and  for  working capital and other general corporate purposes.

1.4     Single  Loan.  The  Loans  and  all  of  the  other  Obligations of
        ------------
Borrower  to  Lender shall constitute one general obligation of Borrower secured
by  all  of  the  Collateral.

1.5     Interest.  (a)  Borrower  shall  pay  interest  to  Lender  on the
        --------
aggregate  outstanding Revolving Credit Advances at a floating rate equal to the
LIBOR  Rate plus three (3%) percent per annum (the "Revolving Credit Rate"). All
computations of interest shall be made by Lender on the basis of a three hundred
and  sixty  (360) day year, in each case for the actual number of days occurring
in  the  period for which such interest or fee is payable. Each determination by
Lender  of  an  interest  rate hereunder shall be conclusive and binding for all
purposes,  absent  manifest  error. In no event will Lender charge interest at a
rate  that  exceeds  the  Maximum  Legal  Rate.

0
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<PAGE>
     (b)     Interest  shall  be payable on the outstanding Revolving Credit
Advances  (i)  in  arrears  for the preceding calendar month on the first day of
each  calendar  month, (ii) on the Commitment Termination Date, and (iii) if any
interest  accrues or remains payable after the Commitment Termination Date, upon
demand  by  Lender.

     (c)     Effective upon the occurrence of any Event of Default and for so
long  as  any  Event  of  Default shall be continuing, the Revolving Credit Rate
shall automatically be increased by three percentage points (3%) per annum (such
increased  rate,  the  "Default  Rate"; provided, however, in no event shall the
Default  Rate  exceed  the  Maximum Legal Rate), and all outstanding Obligations
shall  continue to accrue interest from the date of such Event of Default at the
Default  Rate  applicable  to  such  Obligations.

     (d)     If any interest or any other payment (including Unused Line Fees
and  Collateral  Monitoring Fees) to Lender under this Agreement becomes due and
payable  on a day other than a Business Day, such payment date shall be extended
to the next succeeding Business Day and interest thereon shall be payable at the
then  applicable  rate  during  such  extension.

1.6     Cash  Management  System.  On or prior to the Closing Date and until the
        ------------------------
Termination  Date,  Borrower  will  establish  and  maintain the cash management
system  described in Schedule D. All payments in respect of the Collateral shall
                     ----------
be made to or deposited in the blocked or lockbox accounts described in Schedule
                                                                        --------
D  in  accordance  with  the  terms  thereof.
-

1.7     Fees.  Borrower  agrees  to  pay  to  Lender  the  Fees  set  forth  in
        ----
Schedule  E.
-----------

1.8     Receipt  of  Payments.  Borrower  shall  make  each  payment under this
        ---------------------
Agreement  (not  otherwise  made  pursuant  to  Section  1.9)  without  set-off,
counterclaim  or  deduction and free and clear of all Taxes not later than 12:00
noon New York city time on the day when due in lawful money of the United States
of America in immediately available funds to the Collection Account. If Borrower
shall  be  required  by law to deduct any Taxes from any payment to Lender under
any Loan Document, then the amount payable to Lender shall be increased so that,
after  making  all  required deductions, Lender receives an amount equal to that
which  it  would have received had no such deductions been made. For purposes of
computing  interest and Fees, all payments shall be deemed received by Lender on
the first (1st) Business Day following receipt of immediately available funds in
the  Collection Account. For purposes of determining the Borrowing Availability,
payments  shall  be  deemed  received  by  Lender  upon  receipt  of immediately
available  funds  in  the  Collection  Account.

1.9     Application  and  Allocation  of  Payments.  Borrower  irrevocably
        ------------------------------------------
agrees  that  Lender  shall have the continuing and exclusive right to apply any
and  all  payments against the then due and payable Obligations in such order as
Lender  may  deem  advisable.  Lender  is  authorized  to, and at its option may
(without  prior  notice or precondition and at any time or times), but shall not
be obligated to, make or cause to be made Revolving Credit Advances on behalf of
Borrower  for:  (a)  payment of all Fees, expenses, indemnities, charges, costs,
principal, interest, or other Obligations owing by Borrower under this Agreement
or any of the other Loan Documents, (b) the payment, performance or satisfaction
of any of Borrower's obligations with respect to preservation of the Collateral,
or  (c)  any  premium  in  whole  or  in  part required in respect of any of the
policies of insurance required by this Agreement, even if the making of any such
Revolving  Credit Advance causes the outstanding

                                        3
<PAGE>
balance  of  the Revolving Credit Loan to exceed the Borrowing Availability, and
Borrower agrees to repay immediately, in cash, any amount by which the Revolving
Credit  Loan  exceeds  the  Borrowing  Availability.

1.10     Accounting.  Lender  is  authorized to record on its books and records
         ----------
the  date and amount of each Loan and each payment of principal thereof and such
recordation  shall  constitute  prima  facie  evidence  of  the  accuracy of the
information  so recorded absent manifest error. Lender shall provide Borrower on
a  monthly basis a statement and accounting of such recordations but any failure
on  the  part of the Lender to keep any such recordation (or any errors therein)
or  to  send  a statement thereof to Borrower shall not in any manner affect the
obligation  of  Borrower  to  repay any of the Obligations. Except to the extent
that Borrower shall, within thirty (30) days after such statement and accounting
is  sent,  notify  Lender  in writing of any objection Borrower may have thereto
(stating  with  particularity  the basis for such objection), such statement and
accounting  shall  be deemed final, binding and conclusive upon Borrower, absent
manifest  error.

1.11     Indemnity.  Borrower  agrees  to  indemnify and hold Lender and its
         ---------
Affiliates,  and  their  respective  employees,  attorneys  and agents (each, an
"Indemnified  Person"),  harmless  from  and against any and all suits, actions,
proceedings,  claims,  damages,  losses, liabilities and expenses of any kind or
nature  whatsoever  (including attorneys' fees and disbursements and other costs
of  investigation or defense, including those incurred upon any appeal) that may
be  instituted or asserted against or incurred by any such Indemnified Person as
the  result  of  credit having been extended, suspended or terminated under this
Agreement  and  the  other  Loan  Documents  or  with  respect to the execution,
delivery,  enforcement,  performance  and administration of, or in any other way
arising  out  of  or relating to, this Agreement and the other Loan Documents or
any  other  documents  or  transactions contemplated by or referred to herein or
therein and any actions or failures to act with respect to any of the foregoing,
including  any  and  all  product liabilities, Environmental Liabilities, Taxes,
brokers'  fees  and  legal  costs  and  expenses  arising  out of or incurred in
connection  with  disputes  between  or  among  any  parties  to any of the Loan
Documents  (collectively,  "Indemnified Liabilities"), except to the extent that
any  such  Indemnified  Liability  is finally determined by a court of competent
jurisdiction  to  have  resulted  solely  from  such  Indemnified Person's gross
negligence  or willful misconduct. NO INDEMNIFIED PERSON SHALL BE RESPONSIBLE OR
LIABLE  TO  BORROWER,  ANY SUCCESSOR, ASSIGNEE OR THIRD PARTY BENEFICIARY OR ANY
OTHER  PERSON  ASSERTING  CLAIMS DERIVATIVELY THROUGH SUCH PARTY, FOR ANY ACT OR
FAILURE  TO ACT UNDER ANY POWER OF ATTORNEY OR FOR INDIRECT, PUNITIVE, EXEMPLARY
OR  CONSEQUENTIAL  DAMAGES THAT MAY BE ALLEGED AS A RESULT OF CREDIT HAVING BEEN
EXTENDED,  SUSPENDED  OR  TERMINATED  UNDER  THIS  AGREEMENT  OR  ANY OTHER LOAN
DOCUMENT  OR  AS  A  RESULT  OF  ANY OTHER TRANSACTION CONTEMPLATED HEREUNDER OR
THEREUNDER.

1.12     Borrowing  Base;  Reserves.  The  Borrowing  Base shall be determined
         --------------------------
by  Lender  (including  the  eligibility  of  Accounts) based on the most recent
Borrowing Base Certificate delivered to Lender in accordance with Section 4.1(b)
and  such other information available to Lender. The Revolving Credit Loan shall
be  subject to Lender's continuing right to withhold from Borrowing Availability
reserves,  and  to increase and decrease such reserves from time to time, if and
to  the  extent  that  in  Lender's good faith credit judgment such reserves are
necessary,  including  to  protect  Lender's  interest  in  the Collateral or to
protect  Lender  against  possible  non-payment  of  Accounts  for  any

                                        4
<PAGE>
reason  by Account Debtors or possible diminution of the value of any Collateral
or  possible  non-payment  of  any  of  the  Obligations or for any Taxes or any
amounts  due any contractor, subcontractor or any other Person by Borrower or in
respect  of  any  state of facts that could constitute a Default. Lender may, at
its  option, implement reserves by designating as ineligible a sufficient amount
of  Accounts  that  would  otherwise  be  Eligible  Accounts so as to reduce the
Borrowing  Base  by  the  amount  of  the  intended  reserves.

2.     CONDITIONS PRECEDENT

2.1     Conditions  to  the  Initial  Loans.  Lender  shall  not  be  obligated
        -----------------------------------
to make any of the Loans perform any other action hereunder, until the following
conditions  have  been  satisfied in a manner satisfactory to Lender in its sole
discretion,  or  waived  in  writing  by  Lender:

     (a)     the  Loan  Documents to be delivered on or before the Closing Date
shall  have  been duly executed and delivered by the appropriate parties, all as
set  forth  in  the  Schedule  of  Documents  (Schedule  F);
                                               -----------

     (b)     all Liens upon any of the property of Borrower securing certain
obligations  of  Borrower  to Texas State Bank under its financing documentation
shall  have  been  terminated  by  Texas  State  Bank;

     (c)     Lender shall have received evidence satisfactory to it that the
insurance  policies  provided  for in Section 3.16 are in full force and effect,
together  with  appropriate  evidence showing loss payable or additional insured
clauses  or  endorsements  in  favor  of  Lender as required under such Section;

     (d)     as of the Closing Date, Net Borrowing Availability shall be not
less than $3,500,000 after giving effect to the initial Revolving Credit Advance
(on  a  pro  forma basis, with trade payables being paid currently, and expenses
and  liabilities  being  paid  in  the  ordinary  course of business and without
acceleration  of  sales);  and

     (e)     Lender shall have received an opinion(s) of counsel to the Borrower
with respect to the Loan Documents in form and substance satisfactory to Lender.

2.2     Further  Conditions  to  the  Loans.  Lender shall not be obligated to
        -----------------------------------
fund  any  Loan  (including  the  initial  Loans),  if,  as of the date thereof:

     (a)     any representation or warranty by Borrower contained herein or in
any  of  the  other Loan Documents shall be untrue or incorrect as of such date,
except  to  the  extent  that  any  such representation or warranty is expressly
stated  to relate to a specific earlier date, in which case, such representation
and  warranty  shall  be  true  and  correct  as  of  such  earlier  date;  or

     (b)     any event or circumstance that has had or reasonably could be
expected to have a Material Adverse Effect shall have occurred since the Closing
Date;  or

     (c)     any Default shall have occurred and be continuing or would result
after  giving  effect  to  such  Loan;  or

                                        5
<PAGE>
     (d)     after giving effect to such Loan, the Revolving Credit Loan would
exceed  the  Borrowing  Availability.

The  request  and  acceptance  by  Borrower of the proceeds of any Loan shall be
deemed  to  constitute,  as  of  the  date  of such request and the date of such
acceptance, (i) a representation and warranty by Borrower that the conditions in
this  Section 2.2 have been satisfied and (ii) a restatement by Borrower of each
of  the  representations  and  warranties  made by it in any Loan Document and a
reaffirmation  by  Borrower  of  the  granting and continuance of Lender's Liens
pursuant  to  the  Loan  Documents.

3.     REPRESENTATIONS, WARRANTIES AND AFFIRMATIVE COVENANTS

To  induce  Lender  to enter into this Agreement and to make the Loans, Borrower
represents  and warrants to Lender (each of which representations and warranties
shall  survive the execution and delivery of this Agreement), and promise to and
agree  with  Lender  until  the  Termination  Date  as  follows:

3.1     Corporate  Existence;  Compliance  with  Law.  Borrower:  (a)  is,  as
        --------------------------------------------
of  the  Closing Date, and will continue to be (i) a corporation duly organized,
validly existing and in good standing under the laws of the State of Texas, (ii)
duly  qualified  to  do business and in good standing in each other jurisdiction
where its ownership or lease of property or the conduct of its business requires
such  qualification,  except  where  the  failure  to  be so qualified could not
reasonably  be  expected  to  have  a  Material  Adverse  Effect,  and  (iii) in
compliance  with  all Requirements of Law and Contractual Obligations, except to
the  extent  failure  to  comply  therewith  could  not,  individually or in the
aggregate, reasonably be expected to have a Material Adverse Effect; and (b) has
and  will  continue  to have (i) the requisite corporate power and authority and
the  legal  right to execute, deliver and perform its obligations under the Loan
Documents,  and  to  own, pledge, mortgage or otherwise encumber and operate its
properties,  to  lease  the property it operates under lease, and to conduct its
business  as now, heretofore or proposed to be conducted, and (ii) all licenses,
permits,  franchises,  rights,  powers,  consents  or  approvals  from or by all
Persons  or  Governmental Authorities having jurisdiction over Borrower that are
necessary  or  appropriate  for  the  conduct  of its business, except where the
failure to maintain such licenses, permits, franchises, rights, powers, consents
or approvals could not reasonably be expected to have a Material Adverse Effect.

3.2     Executive  Offices;  Corporate  or  Other  Names.  (a)  Borrower's  name
       -------------------------------------------------
as  it  appears  in  official filings in the state of its incorporation, (b) the
type  of entity of Borrower, (c) the organizational identification number issued
by Borrower's state of incorporation or a statement that no such number has been
issued,  (d)  Borrower's  state  of  incorporation,  and  (e)  the  location  of
Borrower's  chief  executive  office,  corporate  offices,  warehouses,  other
locations  of  Collateral and locations where records with respect to Collateral
are  kept (including in each case the county of such locations) are as set forth
in  Disclosure  Schedule  (3.2).  As  of the Closing Date, during the prior five
    ---------------------------
years, except as set forth in Disclosure Schedule (3.2), Borrower has been known
                              -------------------------
as or conducted business in any other name (including trade names). Borrower has
only  one  state  of  incorporation  or  organization.

3.3     Corporate  Power;  Authorization;  Enforceable  Obligations.  The
        -----------------------------------------------------------
execution,  delivery  and performance by Borrower of the Loan Documents to which
it  is  a  party,  and  the  creation  of  all  Liens

                                        6
<PAGE>
provided  for  herein  and  therein:  (a)  are  and  will  continue to be within
Borrower's  power  and  authority;  (b)  have  been and will continue to be duly
authorized  by  all  necessary  or proper action; (c) are not and will not be in
violation of any Requirement of Law or Contractual Obligation of Borrower (d) do
not  and  will  not result in the creation or imposition of any Lien (other than
Permitted  Encumbrances) upon any of the Collateral; and (e) do not and will not
require  the  consent  or  approval  of  any Governmental Authority or any other
Person. As of the Closing Date, each Loan Document shall have been duly executed
and  delivered  on  behalf  of  Borrower,  and each such Loan Document upon such
execution  and  delivery  shall  be  and  will continue to be a legal, valid and
binding  obligation  of  Borrower, enforceable against it in accordance with its
terms,  except  as such enforcement may be limited by bankruptcy, insolvency and
other  similar  laws  affecting  creditors'  rights  generally.

3.4     Financial  Statements  and  Projections;  Books  and  Records.  (a)  The
        -------------------------------------------------------------
Financial Statements delivered by Borrower to Lender for its most recently ended
Fiscal  Year  and  Fiscal  Month, are true, correct and complete in all material
respects  and  reflect fairly and accurately the financial condition of Borrower
as  of  the  date  of each such Financial Statement in accordance with GAAP. The
Projections  most recently delivered by Borrower to Lender have been prepared in
good  faith,  with  care  and  diligence and use assumptions that are reasonable
under the circumstances at the time such Projections were prepared and as of the
date  delivered  to  Lender  and  all  such  assumptions  are  disclosed  in the
Projections.

     (b)     Borrower  shall  keep  adequate  Books  and  Records  with  respect
to  the  Collateral  and  its  business  activities  in  which  proper  entries,
reflecting  all  consolidated  and  consolidating  financial  transactions,  and
payments  and  credits received on, and all other dealings with, the Collateral,
will  be made in accordance with GAAP and all Requirements of Law and on a basis
consistent  with  the  Financial  Statements.  Borrower  shall backup Borrower's
general  ledger  on  a  daily basis, store such backup in a secure place, notify
Lender  of  the  location of the backup, and provide Lender with access to same.
Borrower  shall notify Lender immediately if Borrower fails to backup Borrower's
general  ledger  on  any  given  day.

3.5     Material  Adverse  Change.  Between the date of Borrower's most recently
        -------------------------
audited Financial Statements delivered to Lender and the Closing Date and except
as  otherwise  disclosed  in writing to the Lender by Borrower: (a) Borrower has
not  incurred  any  obligations,  contingent  or  non-contingent liabilities, or
liabilities  for  Charges,  long-term  leases  or  unusual  forward or long-term
commitments  that  are not reflected in the Projections delivered on the Closing
Date  and which could, alone or in the aggregate, reasonably be expected to have
a  Material  Adverse  Effect; (b) there has been no material deviation from such
Projections;  and (c) no events have occurred that alone or in the aggregate has
had  or  could  reasonably  be  expected  to  have a Material Adverse Effect. No
Requirement  of  Law  or  Contractual  Obligation of Borrower has or have had or
could  reasonably be expected to have a Material Adverse Effect. Borrower is not
in  default,  and to Borrower's knowledge no third party is in default, under or
with  respect  to  any  of  its  Contractual  Obligations,  that alone or in the
aggregate  has  had  or  could reasonably be expected to have a Material Adverse
Effect.

3.6     Real  Estate;  Property.  The  real  estate  listed  in  Disclosure
        -----------------------                                  ----------
Schedule  (3.6)  constitutes  all of the real property owned, leased, or used by
---------------
Borrower  in  its  business,  and  Borrower  will  not  execute  any

                                        7
<PAGE>
material  agreement or contract in respect of such real estate after the date of
this  Agreement  without  giving  Lender  prompt  prior  written notice thereof.
Borrower holds and will continue to hold good and marketable fee simple title to
all  of its owned real estate, and good and marketable title to all of its other
properties and assets, and valid and insurable leasehold interests in all of its
leases  (both  as  lessor  and  lessee,  sublessee or assignee), and none of the
properties  and  assets  of Borrower are or will be subject to any Liens, except
Permitted  Encumbrances.  With  respect to the premises located at 346 Twin City
Highway, Port Neches, Texas 77651, Borrower will obtain a landlord waiver within
30  days  after  the  Closing  Date.

3.7     Ventures,  Subsidiaries  and  Affiliates;  Outstanding  Stock  and
        ------------------------------------------------------------------
Indebtedness.  Except  as  set  forth  in  Disclosure Schedule (3.7), as of the
------------                               -------------------------
Closing  Date  Borrower  has  no  Subsidiaries,  and is not engaged in any joint
venture  or partnership with any other Person. All of the issued and outstanding
Stock  of  Borrower  (including  all  rights  to  purchase, options, warrants or
similar  rights  or  agreements  pursuant  to  which Borrower may be required to
issue,  sell,  repurchase  or redeem any of its Stock) as of the Closing Date is
owned  by  each of the Stockholders (and in the amounts) set forth in Disclosure
                                                                      ----------
Schedule(3.7).All outstanding Indebtedness of Borrower as of the Closing Date is
-------------
described  in  Disclosure  Schedule  (5(b)).
               ----------------------------

3.8     Government  Regulation;  Margin  Regulations.  Borrower  is  not subject
        --------------------------------------------
to  or  regulated  under  any  Federal or state statute, rule or regulation that
restricts  or  limits  such  Person's  ability to incur Indebtedness, pledge its
assets,  or  to  perform its obligations under the Loan Documents. The making of
the  Loans,  the  application  of  the  proceeds  and repayment thereof, and the
consummation  of  the transactions contemplated by the Loan Documents do not and
will  not  violate  any Requirement of Law by Borrower. Borrower is not engaged,
nor  will  it  engage,  in  the  business of extending credit for the purpose of
"purchasing"  or  "carrying"  any "margin security" as such terms are defined in
Regulation  U  of the Federal Reserve Board as now and hereafter in effect (such
securities  being  referred  to herein as "Margin Stock"). Borrower does not own
any  Margin  Stock, and none of the proceeds of the Loans or other extensions of
credit  under  this  Agreement  will  be  used,  directly or indirectly, for the
purpose  of  purchasing or carrying any Margin Stock or reducing or retiring any
Indebtedness that was originally incurred to purchase or carry any Margin Stock.
Borrower  will  not  take  or permit to be taken any action that might cause any
Loan  Document  to  violate  any  regulation  of  the  Federal  Reserve  Board.

3.9     Taxes;  Charges.  Except as disclosed in Disclosure Schedule (3.9) all
        ---------------                          -------------------------
tax returns, reports and statements required by any Governmental Authority to be
filed  by  Borrower have, as of the Closing Date, been filed and will, until the
Termination  Date,  be filed with the appropriate Governmental Authority, except
where  the  failure  to  file such tax returns, reports and statements could not
reasonably  be  expected  to have a Material Adverse Effect, and no tax Lien has
been  filed  against  Borrower or its property. Proper and accurate amounts have
been  and  will  be  withheld  by Borrower from its employees for all periods in
compliance  with  all Requirements of Law and such withholdings have and will be
timely  paid  to  the  appropriate  Governmental  Authorities,  except where the
failure to comply with such Requirements of Law could not reasonably be expected
to  have  a  Material Adverse Effect. Disclosure Schedule (3.9) sets forth as of
                                      -------------------------
the  Closing  Date  those  taxable  years  for  which Borrower's tax returns are
currently  being  audited  by  the  IRS  or  any  other  applicable Governmental
Authority  and any assessments or threatened assessments in connection with such
audit,  or  otherwise  currently  outstanding. Except as described on Disclosure
                                                                      ----------
Schedule
--------

                                        8
<PAGE>
(3.9),  Borrower  or  its predecessors are not liable for any Charges: (a) under
-----
any  agreement  (including any tax sharing agreements or agreement extending the
period  of  assessment  of  any  Charges)  or  (b) to Borrower's knowledge, as a
transferee.  As  of the Closing Date, except as described on Disclosure Schedule
                                                             -------------------
(3.9),  Borrower  has  not agreed or been requested to make any adjustment under
-----
IRC  Section  481(a),  by  reason of a change in accounting method or otherwise,
which  could  reasonably  be  expected  to  have  a  Material  Adverse  Effect.

3.10     Payment  of  Obligations.  Borrower  will  pay,  discharge or otherwise
         ------------------------
satisfy  at or before maturity or before they become delinquent, as the case may
be,  all  of  its Charges and other obligations of whatever nature, except where
the  amount  or  validity  thereof is currently being contested in good faith by
appropriate  proceedings  and  reserves  in  conformity  with  GAAP with respect
thereto  have  been provided on the books of Borrower and none of the Collateral
is  or  could reasonably be expected to become subject to any Lien or forfeiture
or  loss  as  a  result  of  such  contest.

3.11     ERISA.  No  ERISA  Event  has  occurred or is reasonably expected to
         -----
occur  that,  when  taken  together  with all other existing ERISA Events, could
reasonably  be  expected  to  result in a liability of Borrower of more than the
Minimum  Actionable  Amount.  Except as disclosed in Disclosure Schedule (3.11),
                                                     --------------------------
the  present value of all accumulated benefit obligations of Borrower under each
Plan  (based  on  the  assumptions  used  for purposes of Statement of Financial
Accounting  Standards  No.  87)  did  not,  as  of  the  date of the most recent
Financial  Statements  reflecting  such amounts, exceed the fair market value of
the  assets  of  such  Plan  by more than the Minimum Actionable Amount, and the
present  value  of  all accumulated benefit obligations of all underfunded Plans
(based  on  the  assumptions used for purposes of Statement of Financial Account
Standards  No.  87)  did  not,  as  of  the  date  of  the most recent Financial
Statements  reflecting  such amounts, exceed the fair market value of the assets
of  such  underfunded  Plans by more than the Minimum Actionable Amount. Neither
Borrower nor any ERISA Affiliate has incurred or reasonably expects to incur any
Withdrawal  Liability  in  excess  of  the  Minimum  Actionable  Amount.

3.12     Litigation.  No  Litigation  is pending or, to the knowledge of
         ----------
Borrower,  threatened by or against Borrower or against Borrower's properties or
revenues  (a)  with  respect  to  any  of  the  Loan  Documents  or  any  of the
transactions  contemplated  hereby  or  thereby, or (b) that could reasonably be
expected  to  have  a Material Adverse Effect. Except as set forth in Disclosure
                                                                      ----------
Schedule (3.12), as of the Closing Date there is no Litigation pending or to the
---------------
knowledge  of  Borrower threatened against Borrower that seeks damages in excess
of  $250,000  or  injunctive  relief or alleges criminal misconduct of Borrower.
Borrower shall notify Lender promptly in writing upon learning of the existence,
threat  or  commencement of any Litigation against Borrower, any ERISA Affiliate
or  any  Plan  or  any  allegation  of  Criminal  misconduct  against  Borrower.

3.13     Intellectual  Property.  As  of  the Closing Date, all material
         ----------------------
registered  Intellectual  Property owned or used by Borrower is listed, together
with  application  or  registration  numbers,  where  applicable,  in Disclosure
                                                                      ----------
Schedule (3.13). Borrower owns, or is licensed to use, all Intellectual Property
---------------
necessary  to  conduct  its  business  as  currently  conducted  except for such
Intellectual  Property  the  failure  of  which  to  own  or  license  could not
reasonably be expected to have a Material Adverse Effect. Borrower will maintain
the patenting and registration of all Intellectual Property necessary to conduct
its  business  as currently conducted (except for such Intellectual Property the
failure  of  which  to own or license could not reasonably be expected to have a
Material  Adverse

                                        9
<PAGE>
Effect)  with  the  United States Patent and Trademark Office, the United States
Copyright  Office, or other appropriate Governmental Authority and Borrower will
promptly  patent  or register, as the case may be, all new Intellectual Property
and notify Lender in writing five (5) Business Days prior to filing any such new
patent  or  registration.

3.14     Full  Disclosure.  No  information  contained  in any Loan Document,
         ----------------
the  Financial  Statements or any written statement furnished by or on behalf of
Borrower  under  any  Loan  Document,  or  to  induce Lender to execute the Loan
Documents,  contains any untrue statement of a material fact or omits to state a
material  fact  necessary to make the statements contained herein or therein not
misleading  in  light  of  the  circumstances  under  which  they  were  made.

3.15     Hazardous  Materials.  Except  as  set  forth  in  Disclosure  Schedule
         --------------------                               --------------------
(3.15), as of the Closing Date, (a) each real property location owned, leased or
------
occupied  by  Borrower (the "Real Property") is maintained free of contamination
from  any  Hazardous  Material, (b) Borrower is not subject to any Environmental
Liabilities or, to Borrower's knowledge, potential Environmental Liabilities, in
excess of $250,000 in the aggregate, (c) no notice has been received by Borrower
identifying  it  as  a "potentially responsible party" or requesting information
under  CERCLA  or  analogous  state  statutes, and to the knowledge of Borrower,
there  are  no  facts,  circumstances  or conditions that may result in Borrower
being  identified as a "potentially responsible party" under CERCLA or analogous
state  statutes;  and (d) Borrower has provided to Lender copies of all existing
environmental reports, reviews and audits and all written information pertaining
to  actual  or  potential  Environmental  Liabilities,  in each case relating to
Borrower.  Borrower:  (i)  shall  comply  in  all  material  respects  with  all
applicable  Environmental  Laws  and  environmental  permits;  (ii) shall notify
Lender  in  writing  within  seven  (7) days if and when it becomes aware of any
Release,  on,  at, in, under, above, to, from or about any of its Real Property;
and  (iii) shall promptly forward to Lender a copy of any order, notice, permit,
application,  or  any  communication or report received by it in connection with
any  such  Release.

3.16     Insurance.  As of the Closing Date, Disclosure Schedule (3.16) lists
         ---------                           --------------------------
all  insurance  of any nature maintained for current occurrences by Borrower, as
well  as  a  summary  of  the terms of such insurance. Borrower shall deliver to
Lender  certified  copies  and  endorsements  to  all  of  its  and those of its
Subsidiaries  (if  any)  (a)  "All  Risk"  insurance policies naming Lender loss
payee,  and  (b) general liability and other liability policies naming Lender as
an  additional  insured. All policies of insurance on real and personal property
will contain an endorsement, in form and substance acceptable to Lender, showing
loss  payable  to  Lender  (Form 438 BFU or equivalent). Such endorsement, or an
independent  instrument  furnished  to  Lender,  will provide that the insurance
companies  will  give  Lender  at  least  thirty (30) days' prior written notice
before any such policy or policies of insurance shall be altered or canceled and
that no act or default of Borrower or any other Person shall affect the right of
Lender  to recover under such policy or policies of insurance in case of loss or
damage.  Borrower  shall  direct  all present and future insurers under its "All
Risk"  policies  of insurance to pay all proceeds payable thereunder directly to
Lender.  If  any insurance proceeds are paid by check, draft or other instrument
payable  to  Borrower  and  Lender  jointly,  Lender may endorse Borrower's name
thereon and do such other things as Lender may deem advisable to reduce the same
to  cash.

                                       10
<PAGE>
3.17     Deposit  and  Disbursement  Accounts.  Attachment  I  to Schedule D
         ------------------------------------                     ----------
lists  all  banks  and  other financial institutions at which Borrower maintains
deposits  and/or  other  accounts,  including the Disbursement Account, and such
Attachment  correctly  identifies the name, address and telephone number of each
such  depository,  the  name  in which the account is held, a description of the
purpose  of  the  account,  and  the  complete  account  number.

3.18     Accounts.  As  of  the date of each Borrowing Base Certificate
         --------
delivered to Lender, each Account listed thereon as an Eligible Account shall be
an  Eligible  Account.  Borrower  has not made, and will not make, any agreement
with  any  Account  Debtor  for  any  extension  of  time for the payment of any
Account, any compromise or settlement for less than the full amount thereof, any
release  of  any  Account  Debtor  from  liability  therefor,  or  any deduction
therefrom  except a discount or allowance for prompt or early payment allowed by
Borrower  in  the  ordinary  course  of  its business consistent with historical
practice.  With  respect  to  the Accounts pledged as collateral pursuant to any
Loan Document (a) the amounts shown on all invoices, statements and reports that
may  be delivered to the Lender with respect thereto are actually and absolutely
owing to Borrower as indicated thereon and are not in any way contingent; (b) no
payments  have  been  or  shall  be  made  thereon  except  payments immediately
delivered  to  the applicable accounts described in paragraph 1 to Schedule D or
                                                                   ----------
the  Lender  as  required hereunder; and (c) to Borrower's knowledge all Account
Debtors  have the capacity to contract. Borrower shall notify Lender promptly of
any  event  or  circumstance  that to Borrower's knowledge would cause Lender to
consider  any  then  existing  Account  as  no  longer  constituting an Eligible
Account.  With  respect  to  any  "get  paid/when  paid" contract, upon Lender's
request,  Borrower  shall  use its commercially reasonable efforts to deliver to
Lender,  in  form and substance satisfactory to Lender, a written acknowledgment
from any contractor, subcontractor or other person to be paid in connection with
such contract, confirming that such contractor, subcontractor or other person is
to  be paid when payment is received by the Borrower from the applicable Account
Debtor.

3.19     Conduct  of  Business.  Borrower  (a) shall conduct its business
         ---------------------
substantially  as  now  conducted  or  as otherwise permitted hereunder, and (b)
shall  at  all  times  maintain,  preserve and protect all of the Collateral and
Borrower's  other  property,  used  or useful in the conduct of its business and
keep  the same in good repair, working order and condition and make, or cause to
be  made,  all  necessary  or appropriate repairs, replacements and improvements
thereto  consistent  with  industry  practices.

3.20     Anti-Terrorism  Laws.
         ---------------------

     (a)     Neither  Borrower  nor,  to  the  knowledge  of  Borrower,  any  of
its  Affiliates  is  in  violation  of  any  laws relating to terrorism or money
laundering  ("Anti-Terrorism  Laws"),  including  Executive  Order  No. 13224 on
Terrorist  Financing,  effective September 24, 2001 (the "Executive Order"), and
the Uniting and Strengthening America by Providing Appropriate Tools Required to
Intercept  and  Obstruct  Terrorism  Act  of  2001,  Public  Law  107-56.

     (b)     Neither Borrower nor, to the knowledge of Borrower, any Affiliate
or  other  agent  of Borrower acting or benefiting in any capacity in connection
with the Loans is any of the following: (i) a person that is listed in the annex
to,  or  is  otherwise subject to the provisions of, the Executive Order; (ii) a
person owned or controlled by, or acting for or on behalf of, any person that is
listed  in  the  annex  to,  or  is  otherwise subject to the provisions of, the
Executive  Order;  (iii)  a  person  with

                                       11
<PAGE>
which  the  Lender  is  prohibited  from  dealing  or  otherwise engaging in any
transaction  by any Anti-Terrorism Law; (iv) a person that commits, threatens or
conspires  to  commit or supports "terrorism" as defined in the Executive Order;
or  (v)  a  person that is named as a "specially designated national and blocked
person"  on  the  most  current  list  published by the U.S. Treasury Department
Office  of  Foreign  Assets  Control  ("OFAC")  at  its  official website or any
replacement  website  or  other  replacement  official publication of such list.

     (c)     Neither Borrower nor, to the knowledge of Borrower, any agent of
any  Affiliate  acting in any capacity in connection with the Loans (i) conducts
any  business or engages in making or receiving any contribution of funds, goods
or  services  to  or  for  the  benefit of any person described in paragraph (b)
above,  (ii)  deals in, or otherwise engages in any transaction relating to, any
property  or  interests  in property blocked pursuant to the Executive Order, or
(iii)  engages  in  or  conspires  to  engage  in any transaction that evades or
avoids,  or  has the purpose of evading or avoiding, or attempts to violate, any
of  the  prohibitions  set  forth  in  any  Anti-Terrorism  Law.

3.21     Further  Assurances.  At  any time and from time to time, upon the
         -------------------
written  request  of  Lender and at the sole expense of Borrower, Borrower shall
promptly  and  duly execute and deliver any and all such further instruments and
documents  and  take such further action as Lender may reasonably deem necessary
(a)  to obtain the full benefits of this Agreement and the other Loan Documents,
(b)  to protect, preserve and maintain Lender's rights in any Collateral, or (c)
to enable Lender to exercise all or any of the rights and powers herein granted.

3.22     Brokers.  Except as set forth on Disclosure Schedule (3.22), no broker
         -------                          --------------------------
or  finder  acting  on behalf of Borrower or Affiliate thereof brought about the
obtaining, making or closing of the Loans or Acquisition and the consummation of
the  transactions  contemplated  by  the  Acquisition  Agreements,  and  neither
Borrower  nor  any  Affiliate  of  Borrower  has any obligation to any Person in
respect  of  any  finder's  or  brokerage  fees  in  connection  therewith.

3.23     Solvency.
         ---------

     (a)     Both  before  and  after  giving  effect  to (a) the Loans to be
made  or  incurred  on  the  Closing  Date or such other date as Loans requested
hereunder  are  made  or  incurred, (b) the disbursement of the proceeds of such
Loans  pursuant  to  the  instructions  of Borrower, (c) the Acquisition and the
consummation  of the transactions contemplated by the Acquisition Agreements and
(d)  the  payment  and  accrual  of all transaction costs in connection with the
foregoing,  Borrower  is and will be Solvent. With respect thereto, Lender shall
have  received  an  executed  Officer's  Certificate,  in  form  and  substance
satisfactory  to  Lender,  certifying  the Borrower is Solvent as of the Closing
Date and after giving effect to the initial transactions contemplated hereunder.

     (b)     Within thirty (30) days from the Closing Date, Lender shall have
received,  in  form  and substance reasonably satisfactory to Lender, a solvency
opinion  from  Houlihan  Lokey  Howard  & Zukin (or another Person acceptable to
Lender)  upon  which  Lender  is  expressly  permitted  to  rely  (the "Solvency
Opinion"),  stating  that  after  giving effect to the transactions contemplated
hereby,  including  the Loans to be made or incurred on the Closing Date and the
consummation  of  the  transactions  contemplated by the Acquisition Agreements,
including  the  payment  of  the  Seller  Note,  the  Borrower  is  Solvent.

                                       12
<PAGE>
3.24     Acquisition  Agreements.
         ------------------------

     (a)     As  of the Closing Date, Borrower has delivered to Lender a
complete  and  correct  copy  of  the  Acquisition  Agreements  (including  all
schedules, exhibits, amendments, supplements, modifications, assignments and all
other  documents  delivered  pursuant thereto or in connection therewith). After
giving  effect  to  the  Revolving  Credit  Advances on the Closing Date and the
application  of  the  proceeds  thereof,  Borrower  is  not  in  default  in the
performance  or  compliance  with  any  provisions  thereof.

     (b)     The Acquisition Agreements comply with, and the Acquisition has
been  consummated  in  accordance  with,  all  applicable  laws. The Acquisition
Agreements  are  in full force and effect as of the date hereof and has not been
terminated,  rescinded  or  withdrawn.  All  requisite approvals by Governmental
Authorities  having jurisdiction over Seller, Parent, Borrower and other Persons
referenced  therein,  with  respect  to  the  transactions  contemplated  by the
Acquisition  Agreements,  have  been  obtained, and no such approvals impose any
conditions  to  the  consummation  of  the  transactions  contemplated  by  the
Acquisition  Agreements  or to the conduct by Borrower or Parent of its business
thereafter.

4.     FINANCIAL MATTERS; REPORTS

4.1     Reports  and  Notices.  From  the  Closing Date until the Termination
        ---------------------
Date,  Borrower  shall  deliver  to  Lender:

     (a)     within fifteen (15) days following the end of each Fiscal Month,
an  aged trial balance by Account Debtor (as requested by Lender) and as soon as
available but in no event later than fifteen (15) days following the end of each
Fiscal Month, a reconciliation of the aged trial balance (as the case may be) to
the  Borrower's  general  ledger  and  from  the general ledger to the Financial
Statements  for  such  Fiscal  Month  accompanied  by  supporting  detail  and
documentation  as  Lender  may  request;

     (b)     as frequently as Lender may request and in any event no later than
fifteen  (15)  days  following  the  end  of each Fiscal Month, a Borrowing Base
Certificate  in  the form of Exhibit C as of the last day of the previous Fiscal
                             ---------
Month  detailing  ineligible  Accounts  for  adjustment  to  the Borrowing Base,
certified as true and correct by the Chief Financial Officer of Borrower or such
other  officer  as  is  acceptable  to  Lender;

     (c)     within fifteen (15) days following the end of each Fiscal Month, an
Accounts  Payable  Analysis  in the Form of Exhibit D (together with an accounts
                                            ---------
payable  aging), certified as true and correct by the Chief Financial Officer of
Borrower  or  such  other  officer  as  is  acceptable  to  Lender;

     (d)     within thirty (30) days following the end of each Fiscal Month, the
Financial  Statements  for such Fiscal Month, which shall provide comparisons to
budget  and  actual results for the corresponding period during the prior Fiscal
Year,  both  on  a  monthly  and  year-to-date  basis,  and  accompanied  by  a
certification  in  the form of Exhibit J by the Chief Executive Officer or Chief
                               ---------
Financial  Officer  of  Borrower that such Financial Statements are complete and
correct,  that  there  was

                                       13
<PAGE>
no  Default  (or  specifying  those  Defaults of which he or she was aware), and
showing  in  reasonable  detail  the calculations used in determining compliance
with  the  financial  covenants  hereunder;

     (e)     within ninety (90) days following the close of each Fiscal Year,
the Financial Statements for such Fiscal Year certified without qualification by
an  independent  certified  accounting  firm  acceptable  to Lender, which shall
provide  comparisons  to  the prior Fiscal Year, and shall be accompanied by any
management  letter  that  may  be  issued;

     (f)     not less than thirty (30) days prior to the close of each Fiscal
Year,  the  Projections,  which will be prepared by Borrower in good faith, with
care  and  diligence,  and  using  assumptions  that  are  reasonable  under the
circumstances at the time such Projections are delivered to Lender and disclosed
therein  when  delivered;  and

     (g)     all the reports and other information as Lender may reasonably
request  from  time  to  time.

4.2     Financial  Covenants.  Borrower  shall  not  breach any of the financial
        --------------------
covenants  set  forth  in  Schedule  G.  For  purposes  of Section 7.1, a breach
                           -----------
of a financial covenant set forth in Schedule G shall be deemed to have occurred
                                     ----------
as of any date of determination by Lender or as of the last day of any specified
measurement  period, regardless of when the Financial Statements reflecting such
breach  are  delivered  to  Lender.

4.3     Other  Reports  and  Information.  Borrower  shall  advise  Lender
        --------------------------------
promptly,  in  reasonable  detail,  of:  (a)  any  Lien,  other  than  Permitted
Encumbrances,  attaching  to  or  asserted  against any of the Collateral or any
occurrence causing a material loss or decline in value of any Collateral and the
estimated  (or  actual,  if  available)  amount of such loss or decline; (b) any
material  change in the composition of the Collateral; and (c) the occurrence of
any  Default or other event that has had or could reasonably be expected to have
a  Material  Adverse  Effect. Borrower shall, upon request of Lender, furnish to
Lender  such  other  reports  and  information  in  connection with the affairs,
business,  financial  condition, operations, prospects or management of Borrower
or  the  Collateral  as  Lender  may  request,  all  in  reasonable  detail.

5.     NEGATIVE COVENANTS

Borrower covenants and agrees that, without Lender's prior written consent, from
the  Closing  Date  until  the Termination Date, Borrower shall not, directly or
indirectly,  by  operation  of  law  or  otherwise:

     (a)     form  any  Subsidiary  or  merge  with, consolidate with, acquire
all or substantially all of the assets or Stock of, or otherwise combine with or
make  any  investment  in  or, except as provided in Section 5(c) below, loan or
advance  to,  any  Person;

     (b)     cancel any debt owing to it or create, incur, assume or permit to
exist  any Indebtedness, except: (i) the Obligations, (ii) Indebtedness existing
as  of  the  Closing Date set forth in Disclosure Schedule(5(b)), (iii) deferred
                                       -------------------------
taxes, (iv) by endorsement of Instruments or items of payment for deposit to the
general  account  of  Borrower, (v) for Guaranteed Indebtedness incurred for the
benefit  of  Borrower  if the primary obligation is permitted by this Agreement;
and  (vi)  additional

                                       14
<PAGE>
Indebtedness  (including Purchase Money Indebtedness) incurred after the Closing
Date  in  an  aggregate  outstanding  amount  not  exceeding  $750,000;

     (c)     enter into any lending, borrowing or other commercial transaction
with  any  of  its employees, directors or Affiliates (including upstreaming and
downstreaming  of  cash  and intercompany advances and payments by Borrower that
are not otherwise permitted hereunder) other than loans or advances to employees
in  the  ordinary  course  of  business  in  an aggregate outstanding amount not
exceeding  $100,000;

     (d)     make any changes in any of its business objectives, purposes, or
operations  that  could  reasonably be expected to adversely affect repayment of
the  Obligations  or  could  reasonably  be  expected to have a Material Adverse
Effect  or  engage  in  any  business  other  than  that presently engaged in or
proposed  to  be  engaged  in the Projections delivered to Lender on the Closing
Date  or  amend  its  charter  or  by-laws  or  other  organizational documents;

     (e)     create or permit any Lien on any of its properties or assets,
except  for  Permitted  Encumbrances;

     (f)  sell,  transfer,  issue,  convey, assign or otherwise dispose of any
of  its  assets or properties, including its Accounts or any shares of its Stock
or  engage  in  any  sale-leaseback,  synthetic  lease  or  similar  transaction
(provided,  that  the  foregoing  shall  not  prohibit  the sale of Inventory or
obsolete  or  unnecessary  Equipment  in  the  ordinary course of its business);

     (g)     change (i) its name as it appears in official filings in the state
of its incorporation or organization, (ii) its chief executive office, corporate
offices,  warehouses  or  other Collateral locations, or location of its records
concerning  the  Collateral, (iii) the type of legal entity that it is, (iv) its
organization identification number, if any, issued by its state of incorporation
or  organization, or (v) its state of incorporation or organization, or acquire,
lease or use any real estate after the Closing Date without such Person, in each
instance,  giving  thirty  (30)  days prior written notice thereof to Lender and
taking  all  actions  deemed  necessary or appropriate by Lender to continuously
protect  and  perfect  Lender's  Liens  upon  the  Collateral;

     (h)     establish any depository or other bank account of any kind with any
financial  institution  (other  than  the  accounts set forth in Attachment 1 to
Schedule  D)  without  Lender's  prior  written  consent;
-----------

     (i)     make or permit any Restricted Payment except for (i) management,
consulting  or  other  fees  for  management  or  similar  services of Parent to
Borrower  for  legal,  accounting,  insurance  (including  premiums  for  such
insurance),  marketing, payroll and similar types of services paid for by Parent
to  or  on  behalf of Borrower, including the reimbursement of fees and expenses
incurred  and  paid  by  Parent  in connection with the Acquisition, (ii) in the
event  the Borrower files a consolidated income tax return with Parent, Borrower
may  make  distributions  to  Parent  to  permit Parent to pay federal and state
income  taxes  then  due  and owing, franchise taxes and other similar licensing
expenses  incurred  in the ordinary course of business provided, that the amount
of  such  distribution  shall not be greater, nor the receipt by the Borrower of
tax  benefits  less,  than  they  would  have  been had the Borrower not filed a
consolidated  return  with  Parent;  and  (iii)  loans,  advances,  dividends or

                                       15
<PAGE>
distributions  by  Borrower to Parent for the sole purpose of allowing Parent to
make  payments  to Seller in respect of the Seller Note (the "Parent Seller Note
Distribution"),  provided  that  as  to any such Restricted Payment, each of the
                 --------  ----
following conditions is satisfied: (A) as of the date of such Restricted Payment
and  immediately  after  giving  effect  thereto, no Default or Event of Default
shall  exist  or  have  occurred  and be continuing, (B) such Restricted Payment
shall be paid with funds legally available therefor, (C) such Restricted Payment
shall not violate any law or regulation or the terms of any indenture, agreement
or undertaking to which Borrower is a party or by which Borrower or its property
is  bound, (D) as of the date of such Restricted Payment, Borrowing Availability
for  each  of the immediately preceding ten (10) consecutive days shall not have
been  less  than  $2,000,000,  and  immediately  after  giving  effect  to  such
Restricted  Payment,  Borrowing  Availability shall not be less than $2,000,000,
and  (E)  with respect to the Parent Seller Note Distribution, (1) the aggregate
amount  of  all  Parent Seller Note Distributions shall not exceed the principal
amount  of the Seller Note outstanding on the date hereof, plus interest thereon
at  the rate set forth in the Seller Note as of the date hereof, (2) each Parent
Seller  Note  Distribution  shall  be  used  by  Parent only to make payments in
respect  of  the  Seller  Note,  and  (3) Parent and Seller shall provide Lender
evidence  that  each Parent Seller Note Distribution has been received by Seller
in  respect  of  the  Seller  Note;

     (j)     (i) knowingly conduct any business or engage in making or receiving
any contribution of funds, goods or services to or for the benefit of any Person
described  in Section 3.20 above, (ii) knowingly deal in, or otherwise engage in
any  transaction  relating  to,  any  property  or interests in property blocked
pursuant to the Executive Order or any other Anti-Terrorism Law, (iii) knowingly
engage in or conspire to engage in any transaction that evades or avoids, or has
the  purpose  of  evading  or  avoiding,  or  attempts  to  violate,  any of the
prohibitions  set forth in any Anti-Terrorism Law (and Borrower shall deliver to
the  Lender  any  certification or other evidence requested from time to time by
Lender  in its reasonable discretion, confirming Borrower's compliance with this
Section),  or (iv) cause or permit any of the funds of Borrower that are used to
repay  the  Loans  to be derived from any unlawful activity with the result that
the  making  of  the  Loans  would  be  in  violation  of  law;  or

     (k)     knowingly cause or permit (i) any of the funds or properties of
Borrower  that  are  used  to  repay  the Loans to constitute property of, or be
beneficially owned directly or indirectly by, any Person subject to sanctions or
trade  restrictions  under  United  States law ("Embargoed Person" or "Embargoed
Persons")  that is identified on (A) the "List of Specially Designated Nationals
and  Blocked  Persons"  (the  "SDN List") maintained by OFAC and/or on any other
similar  list  ("Other  List")  maintained  by  OFAC pursuant to any authorizing
statute  including,  but  not  limited  to, the International Emergency Economic
Powers  Act,  50  U.S.C.  Sect. 1701 et seq., The Trading with the Enemy Act, 50
U.S.C.  App.  1  et  seq.,  and  any  Executive  Order or regulation promulgated
thereunder,  with  the  result  that  the  investment  in  the Borrower (whether
directly  or  indirectly)  is prohibited by law, or the Loans made by the Lender
would  be  in violation of law, or (B) the Executive Order, any related enabling
legislation  or any other similar Executive Orders, or (ii) any Embargoed Person
to  have  any  direct  or  indirect  interest,  of  any nature whatsoever in the
Borrower,  with the result that the investment in the Borrower (whether directly
or  indirectly)  is  prohibited  by  law  or  the Loans are in violation of law.

                                       16
<PAGE>
6.     SECURITY INTEREST

6.1     Grant  of  Security  Interest.  (a)  As  collateral  security  for  the
       ------------------------------
prompt  and complete payment and performance of the Obligations, Borrower hereby
grants to the Lender a security interest in and Lien upon the following property
and  assets  (whether now owned or hereafter acquired, or in which it now has or
at  any  time  in  the future may acquire any right, title, or interest in): all
Accounts; all Deposit Accounts, all other bank accounts and all funds on deposit
therein;  all  money,  cash  and  cash equivalents; all Investment Property; all
stock;  all  Inventory,  Chattel Paper, Documents and Instruments; all Books and
Records;  all General Intangibles (including all Intellectual Property, contract
rights,  choses  in  action,  Payment  Intangibles  and  Software);  all
Letter-of-Credit  Rights;  all  Supporting  Obligations;  and  to the extent not
otherwise included, all Proceeds, tort claims, insurance claims and other rights
to  payment  not otherwise included in the foregoing and products of all and any
of  the foregoing and all accessions to, substitutions and replacements for, and
rents  and  profits  of,  each  of  the  foregoing,  but excluding in all events
Hazardous  Waste  (all  of  the  foregoing,  together  with any other collateral
pledged  to  the  Lender  pursuant to any other Loan Document, collectively, the
"Collateral").

     (b)     Borrower and Lender agree  that  this  Agreement  creates,  and  is
intended  to  create, valid and continuing Liens upon the Collateral in favor of
Lender.  Borrower  executing this Agreement represents, warrants and promises to
Lender  that:  (i) Borrower has rights in and the power to transfer each item of
the  Collateral  upon  which  it  purports  to grant a Lien pursuant to the Loan
Documents,  free  and clear of any and all Liens or claims of others, other than
Permitted  Encumbrances;  (ii)  the  security interests granted pursuant to this
Agreement,  upon  filing  of Uniform Commercial Code financing statements in the
jurisdictions  listed  on  Disclosure  Schedule  (6.1)  will  constitute  valid
                           ---------------------------
perfected  security  interests  in  all  of  the  Collateral (to the extent such
Collateral  may be perfected by filing of a financing statement) in favor of the
Lender  as  security  for the prompt and complete payment and performance of the
Obligations, enforceable in accordance with the terms hereof against any and all
     creditors  of  and  purchasers  from  Borrower  (other  than  purchasers of
Inventory  in  the  ordinary course of business) and such security interests are
prior  to  all  other  Liens  on  the Collateral in existence on the date hereof
except  for  Permitted  Encumbrances that have priority by operation of law; and
(iii)  no  effective  security  agreement,  mortgage,  deed  of trust, financing
statement,  equivalent  security  or  Lien  instrument or continuation statement
covering all or any part of the Collateral is or will be on file or of record in
any  public  office,  except those relating to Permitted Encumbrances.  Borrower
promises  to  defend  the  right,  title  and  interest  of Lender in and to the
Collateral  against  the  claims and demands of all Persons whomsoever, and each
shall  take  such  actions,  including (A) all actions necessary to grant Lender
"control"  of any Investment Property, Deposit Accounts, Letter-of-Credit Rights
or  electronic Chattel Paper owned by Borrower, with any agreements establishing
control  to  be  in  form  and  substance satisfactory to Lender, (B) the prompt
delivery  of  all  original Instruments, Chattel Paper, negotiable Documents and
certificated Stock owned by Borrower (in each case, accompanied by stock powers,
allonges or other instruments of transfer executed in blank, (C) notification of
Lender's  interest in Collateral at Lender's request, and (D) the institution of
litigation  against  third  parties  as shall be prudent in order to protect and
preserve  Borrower's  and  Lender's  respective  and  several  interests  in the
Collateral.  Borrower  shall  mark  its  Books  and  Records  pertaining  to the
Collateral  to  evidence the Loan Documents and the Liens granted under the Loan
Documents.  If  Borrower  retains  possession of any Chattel Paper or Instrument
with  Lender's  consent, such Chattel Paper and Instruments shall be marked with
the

                                       17
<PAGE>
following  legend: "This writing and the obligations evidenced or secured hereby
are  subject  to  the  security interest of New Stream Commercial Finance, LLC."
Borrower shall promptly, and in any event within two (2) Business Days after the
same  is acquired by it, notify Lender of any commercial tort claims (as defined
in  the  Code) acquired by it and unless otherwise consented by Lender, Borrower
shall  enter  into a supplement to this Loan Agreement granting to Lender a Lien
in  such  commercial  tort  claim.

6.2     Lender's  Rights.  (a)  Lender  may,  (i)  at  any  time  in Lender's
        ----------------
own  name  or in the name of Borrower, communicate with Account Debtors, parties
to  Contracts,  and  obligors  in respect of Instruments, Chattel Paper or other
Collateral  to  verify to Lender's satisfaction, the existence, amount and terms
of,  and  any  other  matter  relating  to,  Accounts,  Payment  Intangibles,
Instruments,  Chattel  Paper  or  other Collateral, and (ii) at any time after a
Default  has  occurred and is continuing and without prior notice to Borrower or
any  other  Credit  Party, notify Account Debtors and other Persons obligated on
any  Collateral  that  Lender  has a security interest therein and that payments
shall  be made directly to Lender. Upon the request of Lender, Borrower shall so
notify  such  Account  Debtors, parties to Contracts, and obligors in respect of
Instruments,  Chattel  Paper  or  other  Collateral. Borrower hereby constitutes
Lender  or  Lender's  designee  as  Borrower's  attorney  with  power to endorse
Borrower's  name  upon  any  notes,  acceptance  drafts,  money  orders or other
evidences  of  payment  or  Collateral.

     (b)     Borrower shall remain liable under each Contract, Instrument and
License to observe and perform all the conditions and obligations to be observed
and performed by it thereunder, and Lender shall have no obligation or liability
whatsoever  to  any  Person  under  any Contract, Instrument or License (between
Borrower  and  any  Person other than Lender) by reason of or arising out of the
execution,  delivery  or  performance of this Agreement, and Lender shall not be
required  or  obligated  in  any  manner  (i)  to  perform or fulfill any of the
obligations  of  Borrower, (ii) to make any payment or inquiry, or (iii) to take
any  action of any kind to collect, compromise or enforce any performance or the
payment  of any amounts which may have been assigned to it or to which it may be
entitled  at  any time or times under or pursuant to any Contract, Instrument or
License.

     (c)     Borrower shall, with respect to each owned, leased, or controlled
property,  during  normal  business  hours  and  upon  reasonable advance notice
(unless  a  Default  shall  have  occurred  and be continuing, in which event no
notice shall be required and Lender shall have access at any and all times): (i)
provide access to such property to Lender and any of its officers, employees and
agents, as frequently as Lender determines to be appropriate; (ii) permit Lender
and  any  of  its  officers,  employees  and  agents  to inspect, audit and make
extracts  and  copies  (or  take  originals if reasonably necessary) from all of
Borrower's  Books  and  Records;  and  (iii)  permit  Lender to inspect, review,
evaluate  and  make  physical  verifications and appraisals of the Inventory and
other  Collateral  in  any  manner  and through any medium that Lender considers
advisable,  and  Borrower  agrees  to  render  to Lender, at Borrower's cost and
expense,  such clerical and other assistance as may be reasonably requested with
regard  thereto.

     (d)     After the occurrence and during the continuance of a Event of
Default,  Borrower,  at  its  own  expense,  shall  cause  the  certified public
accountant then engaged by Borrower to prepare and deliver to Lender at any time
and  from  time  to time, promptly upon Lender's request, the following reports:
(i) a reconciliation of all Accounts; (ii) an aging of all Accounts; (iii) trial
balances;  and  (iv)

                                       18
<PAGE>
test  verifications of such Accounts as Lender may request. Borrower, at its own
expense,  shall cause its certified independent public accountants to deliver to
Lender  the  results  of any physical verifications of all or any portion of the
Inventory  made or observed by such accountants when and if such verification is
conducted.  Lender  shall  be  permitted  to observe and consult with Borrower's
accountants  in  the  performance  of  these  tasks.

6.3     Lender's  Appointment  as  Attorney-in-fact.  On  the  Closing Date,
        -------------------------------------------
Borrower  shall  execute and deliver a Power of Attorney in the form attached as
Exhibit  I.  The power of attorney granted pursuant to the Power of Attorney and
----------
all  powers  granted under any Loan Document are powers coupled with an interest
and  shall  be  irrevocable  until the Termination Date. The powers conferred on
Lender  under  the Power of Attorney are solely to protect Lender's interests in
the  Collateral  and  shall  not  impose  any  duty upon it to exercise any such
powers.  Lender  agrees not to exercise any power or authority granted under the
Power  of  Attorney  unless  an Event of Default has occurred and is continuing.
Borrower  also  hereby  (i)  authorizes Lender to file any financing statements,
continuation  statements  or amendments thereto that (A) indicate the Collateral
(1) as all assets of the Borrower (or any portion of Borrower's assets) or words
of  similar  effect, regardless of whether any particular asset comprised in the
Collateral falls within the scope of Article 9 of the Code of such jurisdiction,
or  (2)  as  being  of  an equal or lesser scope or with greater detail, and (B)
contain  any  other  information required by Part 5 of Article 9 of the Code for
the  sufficiency  or  filing  office  acceptance  of  any  financing  statement,
continuation  statement  or  amendment  and  (ii) ratifies its authorization for
Lender  to have filed any initial financial statements, or amendments thereto if
filed  prior to the date hereof. Borrower acknowledges that it is not authorized
to  file  any  financing  statement  or  amendment or termination statement with
respect  to  any financing statement without the prior written consent of Lender
and  agrees  that it will not do so without the prior written consent of Lender,
subject  to  Borrower's  rights  under  Section  9-509(d)(2)  of  the  Code.

6.4     Grant  of  License  to  Use  Intellectual  Property  Collateral.
        ---------------------------------------------------------------
Borrower  hereby  grants  to  Lender  an  irrevocable,  non-exclusive  license
(exercisable  upon  the  occurrence  and  during  the continuance of an Event of
Default  without  payment  of royalty or other compensation to Borrower) to use,
transfer,  license  or  sublicense any Intellectual Property now owned, licensed
to, or hereafter acquired by Borrower, and wherever the same may be located, and
including in such license access to all media in which any of the licensed items
may be recorded or stored and to all computer software and programs used for the
compilation  or  printout  thereof, and represents, promises and agrees that any
such  license  or  sublicense  is  not  and  will  not  be  in conflict with the
contractual  or  commercial  rights  of  any  third  Person; provided, that such
license  will  terminate  on  the  Termination  Date.

7.     EVENTS OF DEFAULT: RIGHTS AND REMEDIES

7.1     Events  of  Default.  The occurrence of any one or more of the following
        -------------------
events  (regardless  of  the  reason  therefor)  shall  constitute  an "Event of
Default"  hereunder  which  shall  be  deemed  to  be continuing until waived in
writing  by  Lender  in  accordance  with  Section  9.3:

     (a)     Borrower  shall  fail  to  make  any  payment  in  respect  of  any
Obligations  when  due and payable or declared due and payable (and such failure
shall  continue  for a period of five (5) Business Days with respect to interest
and  fees);  or

0
                                       19
<PAGE>
     (b)     Borrower shall fail or neglect to perform, keep or observe  any  of
the  covenants, promises, agreements, requirements, conditions or other terms or
provisions  contained  in  this Agreement or any of the other Loan Documents; or

     (c)     an  event  of  default shall occur under any Contractual Obligation
of  the  Borrower  (other than this Agreement and the other Loan Documents), and
such  event  of default (i) involves the failure to make any payment (whether or
not  such payment is blocked pursuant to the terms of an intercreditor agreement
or  otherwise),  whether of principal, interest or otherwise, and whether due by
scheduled  maturity,  required prepayment, acceleration, demand or otherwise, in
respect  of  any  Indebtedness (other than the Obligations) of such Person in an
aggregate  amount  exceeding  the  Minimum Actionable Amount, or (ii) causes (or
permits  any  holder  of  such  Indebtedness  or  a  trustee  to  cause)  such
Indebtedness, or a portion thereof, in an aggregate amount exceeding the Minimum
Actionable  Amount  to  become  due prior to its stated maturity or prior to its
regularly  scheduled  date  of  payment;  or

     d)     any representation or warranty in this Agreement or any  other  Loan
Document,  or  in  any  written  statement pursuant hereto or thereto, or in any
report,  financial  statement  or  certificate  made  or  delivered to Lender by
Borrower  shall  be  untrue  or incorrect in any material respect as of the date
when  made  or  deemed  made;  or

     (e)     there shall  be  commenced  against  the  Borrower  any  Litigation
seeking  issuance  of  a  warrant of attachment, execution, distraint or similar
process  against  all  or any substantial part of its assets that results in the
entry  of  an order for any such relief that remains unstayed or undismissed for
thirty  (30)  consecutive  days;  or  Borrower  shall have concealed, removed or
permitted  to  be  concealed or removed, any part of its property with intent to
hinder,  delay or defraud any of its creditors or made or suffered a transfer of
any  of  its  property  or the incurring of an obligation that may be fraudulent
under  any  bankruptcy,  fraudulent  transfer  or  other  similar  law;  or

     (f)     a case  or  proceeding  shall  have  been  commenced  involuntarily
against  Borrower  in  a court having competent jurisdiction seeking a decree or
order:  (i)  under  the  United  States  Bankruptcy Code or any other applicable
Federal,  state  or  foreign bankruptcy or other similar law, and seeking either
(A)  the  appointment of a custodian, receiver, liquidator, assignee, trustee or
sequestrator (or similar official) for such Person or of any substantial part of
its  properties,  or  (B) the reorganization or winding up or liquidation of the
affairs of any such Person, and such case or proceeding shall remain undismissed
or  unstayed  for sixty (60) consecutive days or such court shall enter a decree
or  order  granting  the  relief  sought  in  such  case  or proceeding; or (ii)
invalidating  or  denying any Person's right, power, or competence to enter into
or  perform  any  of  its obligations under any Loan Document or invalidating or
denying  the  validity  or  enforceability  of  this Agreement or any other Loan
Document  or  any  action  taken  hereunder  or  thereunder;  or

     (g)     Borrower shall (i) commence any case, proceeding  or  other  action
under  any  existing  or  future  law  of any jurisdiction, domestic or foreign,
relating to bankruptcy, insolvency, reorganization, conservatorship or relief of
debtors,  seeking  to  have  an  order  for relief entered with respect to it or
seeking  appointment  of a custodian, receiver, liquidator, assignee, trustee or
sequestrator  (or  similar  official)  for  it  or  any  substantial part of its
properties,  (ii)  make a general assignment for the benefit of creditors, (iii)
consent  to  or  take  any  action  in  furtherance  of,  or,

                                       20
<PAGE>
indicating  its consent to, approval of, or acquiescence in, any of the acts set
forth  in  paragraphs  (e) or (f) of this Section 7.1 or clauses (i) and (ii) of
this paragraph (g), or (iv) shall admit in writing its inability to, or shall be
generally  unable  to,  pay  its  debts  as  such  debts  become  due;  or

     (h)     a final judgment or judgments for the payment of  money  in  excess
of  the  Minimum  Actionable  Amount  in the aggregate shall be rendered against
Borrower,  unless  the  same  shall  be  (i) fully covered by insurance, or (ii)
vacated, stayed, bonded, paid or discharged within a period of fifteen (15) days
from  the  date  of  such  judgment;  or

     (i)     any provision of any Loan Document shall for any reason cease to be
valid,  binding  and  enforceable  in  accordance  with  its  terms, or any Lien
granted,  or intended by the Loan Documents to be granted, to Lender shall cease
to be a valid and perfected Lien having the first priority (or a lesser priority
if  expressly  permitted  in  the  Loan  Documents) in any of the Collateral (or
Borrower  shall  so  assert  any  of  the  foregoing);  or

     (j)     a Change of  Control  shall  have  occurred  with  respect  to  the
Borrower;  or

     (k)     if Troy Crochet is not the President of Borrower and is not
engaged  in  the  day to day business operations of the Borrower consistent with
his  responsibilities  as  an  officer of the Borrower as of the date hereof; or

     (l)     an ERISA Event shall have occurred that, in the opinion of the
Lender,  when  taken together with all other ERISA Events that have occurred and
are  then  continuing,  could  reasonably  be expected to result in liability of
Borrower  in  an  aggregate  amount  exceeding  the  Minimum  Actionable Amount.

7.2     Remedies.  (a)  If  any  Default  shall have occurred and be continuing,
        --------
then  Lender  may  terminate or suspend its obligation to make further Revolving
Credit Advances. In addition, if any Event of Default shall have occurred and be
continuing,  Lender  may,  without notice, take any one or more of the following
actions:  (i)  declare all or any portion of the Obligations to be forthwith due
and  payable, whereupon such Obligations shall become and be due and payable; or
(ii)  exercise  any  rights  and  remedies  provided  to  Lender  under the Loan
Documents  or  at law or equity, including all remedies provided under the Code;
provided, that upon the occurrence of any Event of Default specified in Sections
7.1(e),  (f)  or  (g),  the Obligations shall become immediately due and payable
(and  any  obligation  of  Lender  to  make  further  Loans,  if  not previously
terminated,  shall  immediately  be  terminated)  without declaration, notice or
demand  by  Lender.

     (b)     Without  limiting  the  generality  of  the  foregoing,  Borrower
expressly  agrees  that  upon the occurrence of any Event of Default, Lender may
collect,  receive,  assemble,  process,  appropriate  and  realize  upon  the
Collateral,  or any part thereof, and may forthwith sell, lease, assign, give an
option  or  options  to  purchase  or  otherwise  dispose  of  and  deliver said
Collateral  (or  contract to do so), or any part thereof, in one or more parcels
at  public  or  private  sale or sales, at any exchange at such prices as it may
deem  best,  for  cash or on credit or for future delivery without assumption of
any  credit  risk. Lender shall have the right upon any such public sale, to the
extent  permitted by law, to purchase for the benefit of Lender the whole or any
part  of  said  Collateral  so  sold, free of any right of equity of redemption,
which  right Borrower hereby releases. Such sales may be adjourned, or

                                       21
<PAGE>
continued  from time to time with or without notice. Lender shall have the right
to  conduct  such  sales  on Borrower's premises or elsewhere and shall have the
right  to use Borrower's premises without rent or other charge for such sales or
other  action  with  respect  to  the  Collateral  for such time as Lender deems
necessary  or  advisable.

     (c)     Upon the occurrence and during  the  continuance  of  an  Event  of
Default and at Lender's request, Borrower agrees, to assemble the Collateral and
make  it  available  to  Lender  at  places that Lender shall reasonably select,
whether  at  its  premises  or elsewhere. Until Lender is able to effect a sale,
lease,  or  other  disposition of the Collateral, Lender shall have the right to
complete,  assemble,  use  or operate the Collateral or any part thereof, to the
extent  that  Lender  deems  appropriate,  for  the  purpose  of preserving such
Collateral  or  its  value  or  for  any  other  purpose.  Lender  shall have no
obligation to Borrower to maintain or preserve the rights of Borrower as against
third  parties  with  respect  to any Collateral while such Collateral is in the
possession  of  Lender.  Lender  may, if it so elects, seek the appointment of a
receiver  or  keeper  to take possession of any Collateral and to enforce any of
Lender's  remedies  with respect thereto without prior notice or hearing. To the
maximum extent permitted by applicable law, Borrower waives all claims, damages,
and  demands  against  Lender,  its  Affiliates,  agents,  and  the officers and
employees  of  any of them arising out of the repossession, retention or sale of
any  Collateral  except such as are determined in a final judgment by a court of
competent  jurisdiction  to  have  arisen  solely out of the gross negligence or
willful  misconduct  of  such  Person. Borrower agrees that ten (10) days' prior
notice  by Lender to Borrower of the time and place of any public sale or of the
time  after  which  a  private sale may take place is reasonable notification of
such matters. Borrower shall remain liable for any deficiency if the proceeds of
any sale or disposition of the Collateral are insufficient to pay all amounts to
which  Lender  is  entitled.

     (d)     Lender's  rights  and  remedies  under  this  Agreement  shall  be
cumulative  and  nonexclusive  of  any other rights and remedies that Lender may
have  under any Loan Document or at law or in equity. Recourse to the Collateral
shall  not  be  required.  All  provisions  of this Agreement are intended to be
subject  to  all  applicable mandatory provisions of law that may be controlling
and  to  be  limited,  to  the extent necessary, so that they do not render this
Agreement  invalid  or  unenforceable,  in  whole  or  in  part.

7.3     Waivers  by Borrower. Except as otherwise provided for in this Agreement
        --------------------
and  to  the  fullest  extent  permitted by applicable law, Borrower waives: (a)
presentment,  demand and protest, and notice of presentment, dishonor, intent to
accelerate,  acceleration,  protest,  default,  nonpayment,  maturity,  release,
compromise,  settlement,  extension or renewal of any or all Loan Documents, the
Notes  or  any  other  notes,  commercial paper, Accounts, Contracts, Documents,
Instruments,  Chattel  Paper  and guaranties at any time held by Lender on which
Borrower  may  in  any  way be liable, and hereby ratifies and confirms whatever
Lender  may  do  in this regard; (b) all rights to notice and a hearing prior to
Lender's  taking possession or control of, or to Lender's replevy, attachment or
levy  upon, any Collateral or any bond or security that might be required by any
court  prior  to  allowing  Lender  to exercise any of its remedies; and (c) the
benefit  of  all  valuation, appraisal and exemption laws. Borrower acknowledges
that it has been advised by counsel of its choices and decisions with respect to
this  Agreement,  the other Loan Documents and the transactions evidenced hereby
and  thereby.

0
                                       22
<PAGE>
7.4     Proceeds.  The  Proceeds  of  any sale, disposition or other realization
        --------
upon  any  Collateral shall be applied by Lender upon receipt to the Obligations
in such order as Lender may deem advisable in its sole discretion, and after the
indefeasible payment and satisfaction in full in cash of all of the Obligations,
and after the payment by Lender of any other amount required by any provision of
law,  including Sections 9-608(a)(1) and 9-615(a)(3) of the Code (but only after
Lender  has  received  what  Lender  considers reasonable proof of a subordinate
party's  security  interest),  the surplus, if any, shall be paid to Borrower or
its  representatives  or  to  whomsoever may be lawfully entitled to receive the
same,  or  as  a  court  of  competent  jurisdiction  may  direct.

8.     SUCCESSORS AND ASSIGNS

Each  Loan  Document  shall  be  binding  on  and  shall inure to the benefit of
Borrower,  Lender,  and  their  respective  successors  and  assigns,  except as
otherwise  provided  herein  or  therein.  Borrower  may  not  assign, transfer,
hypothecate,  delegate  or otherwise convey its rights, benefits, obligations or
duties  under  any  Loan  Document  without the prior express written consent of
Lender.  Any  such  purported  conveyance  by Borrower without the prior express
written  consent  of  Lender  shall  be  void.  There  shall  be  no third party
beneficiaries  of  any of the terms and provisions of any of the Loan Documents.
Lender  reserves  the right at any time to create and sell participations in the
Loans  and  the Loan Documents and to sell, transfer or assign any or all of its
rights  in  the  Loans  and  under  the  Loan  Documents.

9.     MISCELLANEOUS

9.1     NO  ORAL  AGREEMENT;  COMPLETE  AGREEMENT;  MODIFICATION  OF  AGREEMENT.
        -----------------------------------------------------------------------
THIS  WRITTEN  AGREEMENT  AND  THE  OTHER  LOAN  DOCUMENTS  REFERENCED HEREIN OR
CONTEMPLATED  HEREBY REPRESENT THE FINAL AGREEMENT AMONG THE PARTIES AND MAY NOT
BE  CONTRADICTED  BY  EVIDENCE  OF  PRIOR,  CONTEMPORANEOUS  OR  SUBSEQUENT ORAL
AGREEMENTS  OF  THE PARTIES HERETO. THERE ARE NO UNWRITTEN ORAL AGREEMENTS AMONG
THE PARTIES. THIS AGREEMENT AND THE OTHER LOAN DOCUMENTS CONSTITUTE THE COMPLETE
AGREEMENT  BETWEEN  THE  PARTIES  WITH  RESPECT TO THE SUBJECT MATTER HEREOF AND
THEREOF,  SUPERSEDE  ALL  PRIOR  AGREEMENTS,  COMMITMENTS,  UNDERSTANDINGS  OR
INDUCEMENTS  (ORAL  OR  WRITTEN,  EXPRESSED OR IMPLIED). NO LOAN DOCUMENT MAY BE
MODIFIED,  ALTERED OR AMENDED EXCEPT BY A WRITTEN AGREEMENT SIGNED BY LENDER AND
BORROWER.  BORROWER  SHALL  HAVE ALL DUTIES AND OBLIGATIONS UNDER THIS AGREEMENT
AND  SUCH  OTHER  LOAN  DOCUMENTS  FROM  THE DATE OF ITS EXECUTION AND DELIVERY,
REGARDLESS  OF  WHETHER  THE  INITIAL  LOAN  HAS  BEEN  FUNDED  AT  THAT  TIME.

9.2     Expenses.  Borrower  agrees  to  pay  or  reimburse Lender for all costs
        --------
and  expenses  (including  the  fees  and  expenses  of  all  counsel, advisors,
consultants  (including  environmental  and management consultants) and auditors
retained  in  connection  therewith),  incurred  in  connection  with:  (a)  the
preparation,  negotiation,  execution,  delivery, performance and enforcement of
the Loan Documents and the preservation of any rights thereunder; (b) collection
including  deficiency  collections;  (c) the forwarding to Borrower or any other
Person  on behalf of Borrower by Lender of the proceeds of any Loan (including a
wire  transfer fee of $25 per wire transfer); (d) any amendment, waiver or other
modification  or  waiver  of,  or  consent  with respect to any Loan Document or
advice  in  connection  with  the  administration  of  the  Loans  or the rights
thereunder;  (e)  any  litigation,  dispute,  suit,

0
                                       23
<PAGE>
proceeding  or  action  (whether  instituted  by  or  between any combination of
Lender,  Borrower  or any other Person), and an appeal or review thereof, in any
way  relating  to  the Collateral, any Loan Document, or any action taken or any
other agreements to be executed or delivered in connection therewith, whether as
a  party, witness or otherwise; and (f) any effort to verify, protect, evaluate,
assess,  appraise,  collect,  sell,  liquidate  or  otherwise  dispose  of  the
Collateral.

9.3     No  Waiver.  Neither Lender's failure, at  any  time,  to require strict
        ----------
performance  by  Borrower  of  any  provision of any Loan Document, nor Lender's
failure  to exercise, nor any delay in exercising, any right, power or privilege
hereunder,  shall  operate  as a waiver thereof or waive, affect or diminish any
right  of  Lender  thereafter  to  demand  strict  compliance  and  performance
therewith.  No  single  or  partial  exercise  of  any right, power or privilege
hereunder shall preclude any other or future exercise thereof or the exercise of
any  other  right,  power or privilege. Any suspension or waiver of a Default or
other  provision under the Loan Documents shall not suspend, waive or affect any
other  Default  or  other  provision  under  any Loan Document, and shall not be
construed  as  a bar to any right or remedy that Lender would otherwise have had
on  any  future  occasion.  None  of  the undertakings, indemnities, agreements,
warranties, covenants and representations of Borrower to Lender contained in any
Loan Document and no Default by Borrower under any Loan Document shall be deemed
to  have been suspended or waived by Lender, unless such waiver or suspension is
by an instrument in writing signed by an officer or other authorized employee of
Lender  and  directed to Borrower specifying such suspension or waiver (and then
such  waiver shall be effective only to the extent therein expressly set forth),
and  Lender  shall  not,  by  any  act (other than execution of a formal written
waiver),  delay,  omission  or  otherwise,  be  deemed to have waived any of its
rights  or  remedies  hereunder.

9.4     Severability;  Section  Titles.  Wherever  possible, each  provision  of
        ------------------------------
the  Loan  Documents  shall be interpreted in such manner as to be effective and
valid  under  applicable law, but if any provision of any Loan Document shall be
prohibited  by  or  invalid  under  applicable  law,  such  provision  shall  be
ineffective  to  the  extent  of  such  prohibition  or  invalidity,  without
invalidating the remainder of such provision or the remaining provisions of such
Loan Document. Except as otherwise expressly provided for in the Loan Documents,
no  termination  or  cancellation  (regardless  of  cause  or  procedure) of any
financing arrangement under the Loan Documents shall in any way affect or impair
the Obligations, duties, covenants, representations and warranties, indemnities,
and  liabilities  of  Borrower  or  the  rights of Lender relating to any unpaid
Obligation,  (due  or  not  due, liquidated, contingent or unliquidated), or any
transaction  or event occurring prior to such termination, or any transaction or
event,  the  performance  of  which  is  not required until after the Commitment
Termination  Date,  all of which shall not terminate or expire, but rather shall
survive  such  termination  or cancellation and shall continue in full force and
effect  until  the Termination Date; provided, that all indemnity obligations of
the  Borrower  under  the Loan Documents shall survive the Termination Date. The
Section  titles  contained  in  any  Loan  Document  are  and  shall  be without
substantive  meaning or content of any kind whatsoever and are not a part of the
agreement  between  the  parties  thereto.

9.5     Authorized  Signature.  Until  Lender  shall  be notified in writing  by
        ---------------------
Borrower  to  the  contrary,  the  signature  upon  any  document  or instrument
delivered  pursuant  hereto  and believed by Lender or any of Lender's officers,
agents,  or  employees  to be that of an officer of Borrower shall bind Borrower
and  be  deemed  to be the act of Borrower affixed pursuant to and in accordance
with

                                       24
<PAGE>
resolutions  duly  adopted by Borrower's Board of Directors, and Lender shall be
entitled  to  assume the authority of each signature and authority of the person
whose  signature  it  is  or  appears to be unless the person acting in reliance
thereon  shall  have  actual  knowledge  to  the  contrary.

9.6     Notices.  Except  as otherwise provided  herein,  whenever  any  notice,
        -------
demand,  request  or other communication shall or may be given to or served upon
any  party  by  any  other party, or whenever any party desires to give or serve
upon any other party any communication with respect to this Agreement, each such
communication  shall  be  in  writing  and  shall be deemed to have been validly
served,  given or delivered (a) upon the earlier of actual receipt and three (3)
days  after  deposit  in  the  United States Mail, registered or certified mail,
return  receipt  requested,  with proper postage prepaid, (b) upon transmission,
when  sent  by  telecopy  or  other  similar  facsimile  transmission (with such
telecopy  or  facsimile  promptly  confirmed  by  delivery of a copy by personal
delivery  or  United States Mail as otherwise provided in this Section 9.6), (c)
one  (1)  Business Day after deposit with a reputable overnight courier with all
charges  prepaid  or (d) when hand-delivered, all of which shall be addressed to
the  party  to be notified and sent to the address or facsimile number indicated
in  Schedule  B  or  to  such  other  address  (or  facsimile  number) as may be
    -----------
substituted  by  notice given as herein provided. Failure or delay in delivering
copies  of  any such communication to any Person (other than Borrower or Lender)
designated  in Schedule B to receive copies shall in no way adversely affect the
               ----------
effectiveness  of  such  notice,  demand,  request  or  other  communication.

9.7     Counterparts.  Any Loan Document  may be  authenticated  in  any  number
        ------------
of  separate  counterparts by any one or more of the parties thereto, and all of
said  counterparts  taken together shall constitute one and the same instrument.
Any  Loan  Document  may  be authenticated by manual signature, facsimile or, if
approved  in  writing by Lender, electronic means, all of which shall be equally
valid.

9.8     Time  of  the  Essence.  Time  is  of  the  essence  for performance  of
        ----------------------
the  Obligations  under  the  Loan  Documents.

9.9     GOVERNING  LAW.  THE LOAN DOCUMENTS AND THE  OBLIGATIONS  ARISING  UNDER
        --------------
THE  LOAN  DOCUMENTS  SHALL  BE  GOVERNED  BY,  AND  CONSTRUED  AND  ENFORCED IN
ACCORDANCE  WITH,  THE  LAWS OF THE STATE OF CONNECTICUT APPLICABLE TO CONTRACTS
MADE  AND  PERFORMED  IN  SUCH  STATE,  WITHOUT REGARD TO THE PRINCIPLES THEREOF
REGARDING  CONFLICTS  OF  LAWS.

9.10     SUBMISSION  TO  JURISDICTION;  WAIVER OF JURY TRIAL.  (A)  BORROWER AND
          --------------------------------------------------
LENDER  HEREBY  CONSENT  AND  AGREE  THAT THE STATE OR FEDERAL COURTS LOCATED IN
CONNECTICUT  SHALL  HAVE EXCLUSIVE JURISDICTION TO HEAR AND DETERMINE ANY CLAIMS
OR  DISPUTES  BETWEEN BORROWER AND LENDER PERTAINING TO THIS AGREEMENT OR ANY OF
THE  OTHER  LOAN  DOCUMENTS  OR  TO ANY MATTER ARISING OUT OF OR RELATED TO THIS
AGREEMENT OR ANY OF THE OTHER LOAN DOCUMENTS; PROVIDED, THAT LENDER AND BORROWER
ACKNOWLEDGE  THAT  ANY APPEALS FROM THOSE COURTS MAY HAVE TO BE HEARD BY A COURT
LOCATED  OUTSIDE  OF  CONNECTICUT;  AND  FURTHER  PROVIDED, THAT NOTHING IN THIS
AGREEMENT  SHALL  BE  DEEMED OR OPERATE TO PRECLUDE LENDER FROM BRINGING SUIT OR
TAKING  OTHER  LEGAL  ACTION  IN  ANY

                                       25
<PAGE>
OTHER  JURISDICTION  TO COLLECT THE OBLIGATIONS, TO REALIZE ON THE COLLATERAL OR
ANY  OTHER SECURITY FOR THE OBLIGATIONS, OR TO ENFORCE A JUDGMENT OR OTHER COURT
ORDER  IN  FAVOR  OF LENDER. BORROWER AND LENDER EXPRESSLY SUBMIT AND CONSENT IN
ADVANCE  TO SUCH JURISDICTION IN ANY ACTION OR SUIT COMMENCED IN ANY SUCH COURT,
AND  BORROWER  AND LENDER HEREBY WAIVE ANY OBJECTION THAT IT MAY HAVE BASED UPON
LACK  OF PERSONAL JURISDICTION, IMPROPER VENUE OR FORUM NON CONVENIENS. BORROWER
AND  LENDER  HEREBY  WAIVE  PERSONAL SERVICE OF THE SUMMONS, COMPLAINT AND OTHER
PROCESS  ISSUED  IN  ANY  SUCH  ACTION  OR  SUIT  AND AGREE THAT SERVICE OF SUCH
SUMMONS, COMPLAINT AND OTHER PROCESS MAY BE MADE BY REGISTERED OR CERTIFIED MAIL
ADDRESSED  TO  BORROWER OR LENDER AT THE ADDRESS SET FORTH IN SCHEDULE B OF THIS
                                                              ----------
AGREEMENT AND THAT SERVICE SO MADE SHALL BE DEEMED COMPLETED UPON THE EARLIER OF
BORROWER'S OR LENDER'S ACTUAL RECEIPT THEREOF OR THREE (3) DAYS AFTER DEPOSIT IN
THE  U.S.  MAILS,  PROPER  POSTAGE  PREPAID.

     (B)     THE  PARTIES  HERETO  WAIVE  ALL  RIGHTS TO TRIAL BY  JURY  IN  ANY
ACTION,  SUIT,  OR PROCEEDING BROUGHT TO RESOLVE ANY DISPUTE, WHETHER ARISING IN
CONTRACT,  TORT,  OR  OTHERWISE  BETWEEN  LENDER,  AND  BORROWER ARISING OUT OF,
CONNECTED  WITH,  RELATED  OR INCIDENTAL TO THE RELATIONSHIP ESTABLISHED BETWEEN
THEM  IN CONNECTION WITH THE LOAN DOCUMENTS OR THE TRANSACTIONS RELATED THERETO.

9.11     USA  Patriot  Act  Notice.  The  Lender hereby  notifies  the  Borrower
         -------------------------
that  pursuant  to the requirements of the USA Patriot Act (Title III of Pub. L.
107-56 (signed into law October 26, 2001)), it is required to obtain, verify and
record  information that identifies the Borrower, which information includes the
name  and  address  of  the  Borrower  and other information that will allow the
Lender  to  identify  the  Borrower  in  accordance  therewith.

9.12     Press  Releases.  Neither Borrower nor any of its  Affiliates  will  in
         ---------------
the  future issue any press release or other public disclosure using the name of
New  Stream  Commercial  Finance,  LLC  or  its  affiliates or referring to this
Agreement  or  the  other Loan Documents without at least two (2) Business Days'
prior  notice  to  Lender and without the prior written consent of Lender unless
(and  only  to the extent that) Borrower or Affiliate is required to do so under
law  and  then,  in  any  event,  Borrower or Affiliate will consult with Lender
before  issuing  such  press  release  or  other  public  disclosure.

9.13     Reinstatement.  This  Agreement shall continue to be effective,  or  be
         --------------
reinstated, as the case may be, if at any time payment of all or any part of the
Obligations  is  rescinded  or  must otherwise be returned or restored by Lender
upon  the  insolvency, bankruptcy, dissolution, liquidation or reorganization of
Borrower,  or  otherwise,  all  as  though  such  payments  had  not  been made.

9.14     Maximum  Legal  Rate.  It  is  the  intent  of  the  Borrower  and  the
         --------------------
Lender  to  conform strictly to all applicable state and federal usury laws. The
Loan  Documents and all other agreements between Borrower and the Lender whether
now  existing  or  hereafter  arising  and  whether  written or oral, are hereby
expressly  limited  so  that  in  no contingency or event whatsoever, whether by
reason

                                       26
<PAGE>
of acceleration of the maturity hereof or otherwise, shall the amount contracted
for, charged or received by the Lender for the use, forbearance, or detention of
the  money  loaned  hereunder or otherwise, or for the payment or performance of
any  covenant  or  obligation  contained  herein  or in any other Loan Documents
evidencing, securing or pertaining to the Obligations evidenced hereby which may
be  legally  deemed to be for the use, forbearance or detention of money, exceed
the  Maximum  Legal  Rate  or  the  maximum  amount  which  the Borrower and any
successors  or  assigns of the Borrower or any such person (if any) is obligated
to  pay  and  which  the  Lender  is legally entitled to contract for, charge or
collect  under  applicable  state  or  federal  law.  If  from any circumstances
whatsoever  fulfillment of any provision hereof or of such other Loan Documents,
at  the  time  performance  of  such  provision  shall  be  due,  shall  involve
transcending  the  Maximum Legal Rate, then the obligation to be fulfilled shall
be  automatically  reduced  to such limit, and if from any such circumstance the
Lender  shall  ever  receive as interest or otherwise an amount in excess of the
Maximum  Legal  Rate  or  the  maximum  that can be legally collected, then such
amount  which  would  be excessive interest shall be applied to the reduction of
the  principal indebtedness hereof and any other amounts due with respect to the
Obligations  evidenced  hereby  or  in  any  other Loan Document, but not to the
payment  of  interest  and if such amount which would be excess interest exceeds
the  Obligations  and  all other non interest indebtedness described above, then
such additional amount shall be refunded to the Borrower. If any excess interest
in such respect is provided for in this Agreement, or shall be adjudicated to be
so  provided, or in any other Loan Document or otherwise in connection with this
transaction,  the  provisions  of this Section 9.14 shall govern and prevail and
neither  the  Borrower nor any successors or assigns of the Borrower or any such
person  (if any) shall be obligated to pay the excess amount of such interest or
any  other excess sum paid for the use, forbearance, or detention of sums loaned
pursuant  hereto.  In  determining  whether or not all sums paid or agreed to be
paid by the Borrower for the use, forbearance or detention of the Obligations of
the  Borrower to the Lender, under any specific contingency, exceeds the Maximum
Legal  Rate  or the maximum amount permitted by applicable law, the Borrower and
the Lender shall to the maximum extent permitted under applicable law, (a) treat
all  Obligations  as  but  a  single  extension  of credit, (b) characterize any
non-principal  payment as an expense, fee or premium rather than as sums paid or
agreed  to  be paid by the Borrower for the use, forbearance or detention of the
Obligations of the Borrower to the Lender, (c) exclude voluntary prepayments and
the  effect  thereof,  and  (d)  amortize, prorate, allocate and spread in equal
parts,  the  total amount of such sums paid or agreed to be paid by the Borrower
for  the use, forbearance or detention of the Obligations of the Borrower to the
Lender  throughout  the  entire contemplated term of the Obligations so that the
interest  rate  is  uniform  through  the entire term of the Obligations. In the
event  that any of the contract rates computed under this Agreement or any other
Loan  Document  hereof would exceed the Maximum Legal Rate, the rate of interest
under  this  Agreement or such other Loan Agreement for any such period shall be
limited  to  the  Maximum  Legal  Rate,  but  any  subsequent  reductions in the
applicable  contract  rate  shall  not  reduce  the rates of interest under this
Agreement  or  such  other  Loan Document below the Maximum Legal Rate until the
total  amount  of interest charged equals the amount of interest that would have
been  charged  had  the  applicable contract rate been charged at all times. The
Borrower  and  Lender  hereby agree if, despite the provisions of Section 9.9 of
this  Agreement,  Texas  law is deemed to apply, that except for Section 346.004
thereof, the provisions of Chapter 346 of the Texas Finance Code (Vernon's Texas
Code Annotated), as amended from time to time, shall not apply to this Agreement
or  any  of  the  other Loan Documents. The terms and provisions of this Section
9.14  shall  control  and

                                       27
<PAGE>
supersede  every  other  provision  hereof,  the  Loan  Documents  and all other
agreements  between  Borrower  and  Lender

                            [SIGNATURE PAGE FOLLOWS]

                                       28
<PAGE>
IN  WITNESS  WHEREOF, this Loan and Security Agreement has been duly executed as
of  the  date  first  written  above.

                                   CROCHET & BOREL SERVICES, INC.

                                   By:   ______________________________
                                   Name: ______________________________
                                   Title:______________________________

                                   NEW STREAM CAPITAL FINANCE, LLC.

                                   By:   ______________________________
                                   Name: ______________________________
                                   Title:______________________________

<PAGE>
                            SCHEDULE A - DEFINITIONS

Capitalized terms used in this Agreement and the other Loan Documents shall have
(unless  otherwise  provided  elsewhere  in  this Agreement or in the other Loan
Documents)  the  following  respective  meanings:

     "ACCOUNT  DEBTOR" shall mean any Person who is or may become obligated with
respect  to,  or  on account of, an Account, Chattel Paper or General Intangible
(including  a  Payment  Intangible).

     "ACCOUNTS"  means  all "accounts," as such term is defined in the Code, now
owned  or  hereafter  acquired  by  any  Person,  including:  (i)  all  accounts
receivable,  other receivables, book debts and other forms of obligations (other
than  forms of obligations evidenced by Chattel Paper or Instruments) (including
any  such obligations which may be characterized as an account or contract right
under  the Code); (ii) all of such Person's rights in, to and under all purchase
orders  or  receipts for goods or services; (iii) all of such Person's rights to
any  goods represented by any of the foregoing (including unpaid sellers' rights
of  rescission,  replevin,  reclamation  and  stoppage  in transit and rights to
returned,  reclaimed  or  repossessed  goods); (iv) all rights to payment due to
such  Person  for  Goods  or  other property sold, leased, licensed, assigned or
otherwise  disposed  of, for a policy of insurance issued or to be issued, for a
secondary  obligation  incurred  or to be incurred or to be incurred, for energy
provided  or  to be provided, for the use or hire of a vessel under a charter or
other  contract,  arising out of the use of a credit card or charge card, or for
services  rendered  or  to  be rendered by such Person or in connection with any
other  transaction (whether or not yet earned by performance on the part of such
Person),  and (v) all health care insurance receivables; and (vi) all collateral
security  of  any  kind  given  by  any  Account Debtor or any other Person with
respect  to  any  of  the  foregoing.

     "ACCOUNTS  PAYABLE  ANALYSIS" means a certificate in the form of Exhibit D.
                                                                      ---------

     "ACCOUNTS  RECEIVABLE  ROLL  FORWARD  ANALYSIS"  means  the analysis of the
Borrower's  accounts  receivable  as  reflected  in a certificate in the form of
Exhibit  A.
-----------

     "ACQUISITION"  means  the  acquisition  of  all or substantially all of the
stock  of  Borrower  from  Seller.

     "ACQUISITION  AGREEMENTS" means the Purchase Agreement, the Seller Note and
all  related  documents,  instruments  and  agreements executed and delivered in
connection  therewith.

     "AFFILIATE"  means, with respect to any Person: (i) each other Person that,
directly or indirectly, owns or controls, whether beneficially, or as a trustee,
guardian  or  other  fiduciary,  ten  percent  (10%) or more of the Stock having
ordinary  voting  power  for the election of directors of such Person; (ii) each
other  Person  that  controls,  is controlled by or is under common control with
such  Person  or  any  Affiliate  of such Person; or (iii) each of such Person's
officers,  directors,  joint  venturers  and  partners.  For the purpose of this
definition,  "control"  of  a  Person  shall  mean  the  possession, directly or
indirectly,  of  the power to direct or cause the direction of its management or
policies,  whether  through  the  ownership of voting securities, by contract or
otherwise.

                                   Sch A-1
<PAGE>
     "AGREEMENT"  means  this  Agreement  including  all appendices, exhibits or
schedules  attached  or  otherwise  identified  thereto,  restatements  and
modifications and supplements thereto, and any appendices, exhibits or schedules
to  any  of  the  foregoing,  each  as effect at the time such reference becomes
operative;  provided,  that  except as specifically set forth in this Agreement,
any  reference  to  the Disclosure Schedules to this Agreement shall be deemed a
reference  to  the Disclosure Schedules as in effect on the Closing Date or in a
written  amendment  thereto  executed  by  Borrower  and  Lender.

     "BOOKS  AND  RECORDS"  means  all books, records, board minutes, contracts,
licenses,  insurance  policies,  environmental  audits,  business  plans, files,
computer  files,  computer  discs  and other data and software storage and media
devices,  accounting  books  and  records,  financial statements (actual and pro
forma),  filings  with  Governmental  Authorities  and  any  and all records and
instruments  relating to the Collateral or Borrower's business. "BORROWER" means
the  Person  identified  as  such  in  the  preamble  of  this  Agreement.

     "BORROWING  AVAILABILITY" means, at any time, the lesser of (i) the Maximum
Amount  or  (ii)  the  Borrowing Base, in each case less reserves established by
Lender  from  time  to  time.

     "BORROWING  BASE" means at any time an amount equal to the sum at such time
of:  (i)  75%  of  the  value  of Borrower's Eligible Accounts consisting of (A)
Non-Catastrophe  Accounts  and  (B) Catastrophe Accounts and Special Catastrophe
Accounts which are not more than 90 days from invoice date; plus (ii) 50% of the
                                                            ----
value  of  Borrower's  Eligible  Accounts consisting of (A) Catastrophe Accounts
which  are  more  than  90  days  from  invoice date but less than 270 days from
invoice  date,  and (B) Special Catastrophe Accounts which are more than 90 days
from  invoice date but less than 360 days from invoice date. For the purposes of
calculating  the  Borrowing Base, value of Eligible Accounts shall be net of any
amounts  due  any  contractor, subcontractor or any other Person by Borrower and
shall  be  determined  by  Lender  in  its  discretion.

     "BORROWING  BASE CERTIFICATE" means a certificate in the form of Exhibit C.
                                                                      ---------

     "BUSINESS  DAY"  means any day that is not a Saturday, a Sunday or a day on
which  banks are required or permitted to be closed in the State of Connecticut.

     "CAPITAL  EXPENDITURES"  means  all payments or accruals (including Capital
Lease  Obligations)  for  any  fixed assets or improvements or for replacements,
substitutions  or  additions  thereto,  that have a useful life of more than one
year  and  that  are  required  to  be  capitalized  under  GAAP.

     "CAPITAL  LEASE"  means,  with  respect  to  any  Person,  any lease of any
property  (whether  real,  personal  or mixed) by such Person as lessee that, in
accordance  with  GAAP,  either would be required to be classified and accounted
for  as  a capital lease on a balance sheet of such Person or otherwise would be
disclosed  as  such  in a note to such balance sheet, other than, in the case of
Borrower,  any  such  lease  under  which  Borrower  is  the  lessor.

     "CAPITAL  LEASE  OBLIGATION"  means, with respect to any Capital Lease, the
amount of the obligation of the lessee thereunder that, in accordance with GAAP,
would  appear on a balance sheet

                                   Sch A-2
<PAGE>
of  such  lessee in respect of such Capital Lease or otherwise be disclosed in a
note  to  such  balance  sheet.

     "CASH  COLLATERAL  ACCOUNT"  has  the meaning assigned to it in Schedule C.
"CATASTROPHE  ACCOUNT"  means an Account which arises from services performed by
the  Borrower to a commercial business or municipality related to damages caused
by  a  natural  disaster.

     "CHANGE  OF  CONTROL"  means,  with  respect  to any Person on or after the
Closing  Date,  that any change in the composition of such Person's stockholders
as  of  the  Closing  Date  shall occur which would result in any stockholder or
group  acquiring 49.9% or more of any class of Stock of such Person, or that any
Person (or group of Persons acting in concert) shall otherwise acquire, directly
or  indirectly  (including through Affiliates), the power to elect a majority of
the  Board  of  Directors  of  such Person or otherwise direct the management or
affairs  of such Person by obtaining proxies, entering into voting agreements or
trusts,  acquiring  securities  or  otherwise.

     "CHARGES" means all Federal, state, county, city, municipal, local, foreign
or  other  governmental  taxes (including taxes owed to PBGC at the time due and
payable),  levies, customs or other duties, assessments, charges, liens, and all
additional  charges,  interest, penalties, expenses, claims or encumbrances upon
or  relating  to  (i) the Collateral, (ii) the Obligations, (iii) the employees,
payroll,  income or gross receipts of Borrower, (iv) the ownership or use of any
assets  by  Borrower,  or  (v)  any  other  aspect  of  Borrower's  business.

     "CHATTEL  PAPER"  means all "chattel paper," as such term is defined in the
Code, including electronic chattel paper, now owned or hereafter acquired by any
Person.

     "CLOSING DATE" means the Business Day on which the conditions precedent set
forth  in  Section  2  have  been satisfied or specifically waived in writing by
Lender,  and  the  initial  Loan  has  been  made.

     "CLOSING  FEE"  has  the  meaning  assigned  to  it  in  Schedule  E.

     "CODE"  means  the  Uniform  Commercial  Code as the same may, from time to
time,  be  in  effect  in  the State of Connecticut; provided, that in the event
that,  by  reason  of mandatory provisions of law, any or all of the attachment,
perfection  or  priority  of,  or remedies with respect to, Lender's Lien on any
Collateral  is  governed  by  the  Uniform  Commercial  Code  as  in effect in a
jurisdiction other than the State of Connecticut, the term "Code" shall mean the
Uniform  Commercial Code as in effect in such other jurisdiction for purposes of
the  provisions  of  this  Agreement  relating  to  such attachment, perfection,
priority or remedies and for purposes of definitions related to such provisions;
provided  further,  that  to the extent that the Code is used to define any term
herein or in any Loan Document and such term is defined differently in different
Articles  or  Divisions  of  the  Code, the definition of such term contained in
Article  or  Division  9  shall  govern.

     "COLLATERAL"  has  the  meaning  assigned  to  it  in  Section  6.1.

                                   Sch A-3
<PAGE>
     "COLLECTION  ACCOUNT"  means that certain account of Lender, account number
1050454734 in the name of Lender at Citibank, F.S.B. in Ridgefield, Connecticut,
ABA  No.  221172610,  or  such  other  account as may be specified in writing by
Lender  as  the  "Collection  Account".

     "COMMISSION"  has  the  meaning  assigned  to  it  in  Schedule  E.

     "COMMITMENT  TERMINATION  DATE" means the earliest of (i) the Stated Expiry
Date,  (ii) the date Lender's obligation to advance funds is terminated pursuant
to  Section  7.2,  and  (iii)  the  date  of  indefeasible prepayment in full by
Borrower of the Obligations in accordance with the provisions of Section 1.2(c).

     "CONTRACTS"  means  all  the  contracts, undertakings, or agreements (other
than  rights  evidenced  by Chattel Paper, Documents or Instruments) in or under
which  any  Person  may  now  or  hereafter  have  any right, title or interest,
including  any  agreement  relating  to  the  terms  of  payment or the terms of
performance  of  any  Account.

     "CONTRACTUAL  OBLIGATION"  means  as  to  any  Person, any provision of any
security  issued  by  such  Person  or  of  any  agreement, instrument, or other
undertaking  to  which  such  Person  is  a  party  or by which it or any of its
property  is  bound.

     "COPYRIGHT  LICENSE"  means rights under any written agreement now owned or
hereafter  acquired  by  any  Person  granting the right to use any Copyright or
Copyright  registration.

     "COPYRIGHTS" shall mean all of the following now owned or hereafter adopted
or acquired by any Person: (i) all copyrights in any original work of authorship
fixed  in  any  tangible medium of expression, now known or later developed, all
registrations  and  applications  for registration of any such copyrights in the
United  States  or  any  other  country, including registrations, recordings and
applications,  and  supplemental  registrations, recordings, and applications in
the  United  States  Copyright  Office;  and (ii) all Proceeds of the foregoing,
including license royalties and proceeds of infringement suits, the right to sue
for  past,  present  and  future infringements, all rights corresponding thereto
throughout  the  world  and  all  renewals  and  extensions  thereof.

     "DEFAULT" means any Event of Default or any event that, with the passage of
time  or  notice  or  both,  would,  unless  cured or waived, become an Event of
Default.

     "DEFAULT  RATE"  has  the  meaning  assigned  to  it  in  Section  1.5(c).

     "DEPOSIT  ACCOUNTS" means all "deposit accounts" as such term is defined in
the  Code,  now  or  hereafter  held  in  the  name  of  any  Person.

     "DESIGNATED VENDORS" shall mean each of the Borrower's vendors set forth on
Disclosure  Schedule  (4.1).
----------------------

     "DOCUMENTS" means all "documents," as such term is defined in the Code, now
owned or hereafter acquired by any Person, wherever located, including all bills
of lading, dock warrants, dock receipts, warehouse receipts, and other documents
of  title,  whether  negotiable  or  non-negotiable.

                                   Sch A-4
<PAGE>
     "EBITDA"  means,  for any period, the Net Income (Loss) of Borrower and its
Subsidiaries  on  a  consolidated  basis for such period, plus interest expense,
income tax expense, amortization expense, depreciation expense and extraordinary
losses  and  minus  extraordinary  gains,  in  each  case,  of  Borrower and its
Subsidiaries  on  a  consolidated basis for such period determined in accordance
with GAAP to the extent included in the determination of such Net Income (Loss).

     "ELIGIBLE  ACCOUNTS" means as at the date of determination, all Accounts of
the  Borrower  except  any  Account:

     (a)     that  does  not  arise  from  the  sale of goods or the performance
of  services  by  Borrower  in  the  ordinary  course  of  Borrower's  business;

     (b)     upon which (i) Borrower's right to receive payment is not  absolute
or  is  contingent  upon  the  fulfillment  of  any condition whatsoever or (ii)
Borrower is not able to bring suit or otherwise enforce its remedies against the
Account  Debtor  through  judicial  process;

     (c)     against  which any defense, counterclaim or  setoff,  whether  well
-founded  or  otherwise, is asserted or which is a "contra" Account, but only to
the  extent  of  such  defense,  counterclaim  or  setoff;

     (d)     that  is  not  a  true and correct statement  of  a  bona  fide
indebtedness  incurred  in  the  amount  of  the Account for merchandise sold or
services  performed  and  accepted  by  the  Account  Debtor obligated upon such
Account;

     (e)     with  respect  to  which  an  invoice, acceptable to Lender in form
and  substance,  has  not  been  sent;

     (f)     that  is  not  owned  by  Borrower or  is  subject  to  any  right,
claim,  or  interest  of another Person, other than the Lien in favor of Lender;

     (g)     that  arises  from a sale to or  performance  of  services  for  an
employee,  Affiliate,  Subsidiary  or  Stockholder  of  Borrower;

     (h)     that  is  the  obligation  of an Account Debtor that is the Federal
(or  local)  government  or  a  political subdivision thereof, unless Lender has
agreed  to  the  contrary  in writing and Borrower has complied with the Federal
Assignment  of Claims Act of 1940 (or the state equivalent thereof, if any) with
respect  to  such  obligation;

     (i)     that  is  the  obligation of an Account Debtor located in a foreign
country;

     (j)     that  is  the obligation of an Account Debtor to whom  Borrower  is
or  may  become liable for goods sold or services rendered by the Account Debtor
to  Borrower,  to  the  extent  of  Borrower's liability to such Account Debtor;

     (k)     that  arises  with  respect  to  goods  which  are  delivered  on a
cash-on-delivery  basis or placed on consignment, guaranteed sale or other terms
by  reason  of  which  the  payment  by  the  Account Debtor may be conditional;

                                   Sch A-5
<PAGE>
     (l)     that  is  an  obligation for which the total unpaid Accounts of the
Account  Debtor  exceed  20%  of  the  aggregate  of all Accounts (excluding the
Accounts  of Certified Cleaning & Restoration for the period up to and including
December  31,  2006)  to  the  extent  of  such  excess;

     (m)     that  is:  (i) a Non-Catastrophe Account that is not paid within 90
days  from  its invoice date; (ii) a Catastrophe Account that is not paid within
270  days  from its invoice date; or (iii) a Special Catastrophe Account that is
not  paid  within  360  days  from  its  invoice  date;

     (o)     that  are  Accounts  of  an  Account  Debtor  if 50% or more of the
Accounts  owing  from  such Account Debtor remain unpaid within the time periods
set  forth  in  subsection  (m)  above;

     (p)     any  Account  for  which  the  Lender  has  requested,  but has not
received  a  written verification thereof from the respective Account Debtor(s);

     (q)     is  an obligation of an Account Debtor that has suspended business,
made  a  general  assignment  for the benefit of creditors, is unable to pay its
debts  as they become due or as to which a petition has been filed (voluntary or
involuntary) under any law relating to bankruptcy, insolvency, reorganization or
relief  of  debtors;

     (r)     that  arises  from  any  bill-and-hold or other sale of goods which
remain  in  Borrower's  possession  or  under  Borrower's  control;

     (s)     as  to  which  Lender's  interest  therein  is not a first priority
perfected  security  interest;

     (t)     to  the  extent  that  such  Account  exceeds  any  credit  limit
established  by  Lender  in  Lender's  good  faith  credit  judgment;

     (u)     as  to  which  any  of  Borrower's  representations  or  warranties
pertaining  to  Accounts  are  untrue;

     (v)      that  represents  interest  payments,  late or finance charges, or
service  charges  owing  to  Borrower;

     (w)     that  is  an  Account  that  arises  under  a  "get paid/when paid"
contract,  to  the extent that such Account is subject to a claim or interest of
any  contractor,  subcontractor or any other person (the portion of such Account
which  is  not  subject to any claim or interest may be an Eligible Account); or

     (w)     that  is  not  otherwise acceptable in the good faith discretion of
Lender,  provided,  that  Lender  shall  have  the  right  to  create and adjust
eligibility  standards  and related reserves from time to time in its good faith
credit  judgment.

     "ENVIRONMENTAL  LAWS"  means  all  Federal, state and local laws, statutes,
ordinances  and  regulations,  now  or  hereafter in effect, and in each case as
amended  or  supplemented  from  time  to  time,  and any applicable judicial or
administrative  interpretation thereof relating to the regulation and protection
of  human  health,  safety,  the  environment  and  natural resources (including
ambient  air,  surface  water, groundwater, wetlands, land surface or subsurface
strata,  wildlife,  aquatic  species  and  vegetation).

                                   Sch A-6
<PAGE>
     "ENVIRONMENTAL  LIABILITIES"  means  all  liabilities,  obligations,
responsibilities,  remedial  actions, removal costs, losses, damages of whatever
nature,  costs  and  expenses  (including all reasonable fees, disbursements and
expenses  of  counsel,  experts  and  consultants and costs of investigation and
feasibility  studies),  fines,  penalties,  sanctions and interest incurred as a
result of any claim, suit, action or demand of whatever nature by any Person and
which relate to any health or safety condition regulated under any Environmental
Law,  environmental  permits  or  in  connection  with  any  Release, threatened
Release,  or  the  presence  of  a  Hazardous  Material.

     "EQUIPMENT"  means all "equipment" as such term is defined in the Code, now
owned  or  hereafter acquired by any Person, wherever located, including any and
all  machinery,  apparatus,  equipment,  fittings,  furniture,  fixtures,  motor
vehicles  and  other  tangible personal property (other than Inventory) of every
kind  and  description  that  may  be  now  or  hereafter  used in such Person's
operations or which are owned by such Person or in which such Person may have an
interest,  and  all  parts, accessories and accessions thereto and substitutions
and  replacements  therefor.

     "ERISA"  means  the Employee Retirement Income Security Act of 1974 (or any
successor  legislation  thereto),  as  amended  from  time  to  time,  and  any
regulations  promulgated  thereunder.

     "ERISA AFFILIATE" means any trade or business (whether or not incorporated)
that,  together  with  Borrower,  is  treated as a single employer under Section
414(b),  (c),  (m) or (o) of the IRC, or, solely for the purposes of Section 302
of  ERISA  and  Section  412  of  the IRC, is treated as a single employer under
Section  414  of  the  IRC.

     "ERISA  EVENT" shall mean (a) any "reportable event", as defined in Section
4043 of ERISA or the regulations issued thereunder with respect to a Plan (other
than  an  event for which the 30-day notice period is waived); (b) the existence
with  respect  to any Plan of an "accumulated funding deficiency" (as defined in
Section  412 of the IRC or Section 302 of ERISA), whether or not waived; (c) the
filing  pursuant  to  Section 412(b) of the IRC or Section 303(d) of ERISA of an
application  for  a  waiver  of the minimum funding standard with respect to any
Plan;  (d)  the  incurrence  by Borrower or any ERISA Affiliate of any liability
under  Title  IV  of  ERISA with respect to the termination of any Plan; (e) the
receipt by Borrower or any ERISA Affiliate from the PBGC or a plan administrator
of  any  notice  relating  to an intention to terminate any Plan or to appoint a
trustee  to  administer  any  Plan;  (f) the incurrence by Borrower or any ERISA
Affiliate  of any liability with respect to any withdrawal or partial withdrawal
from any Plan or Multiemployer Plan; or (g) the receipt by Borrower or any ERISA
Affiliate  of any notice, or the receipt by any Multiemployer Plan from Borrower
or  any  ERISA  Affiliate of any notice, concerning the imposition of Withdrawal
Liability or a determination that a Multiemployer Plan is, or is expected to be,
insolvent  or  in  reorganization,  within  the  meaning  of  Title IV of ERISA.

     "EVENT  OF  DEFAULT"  has  the  meaning  assigned  to  it  in  Section 7.1.

     "FEES"  means  the  fees  due  to  Lender  as  set  forth  in  Schedule  E.

     "FINANCIAL  STATEMENTS"  means  the  consolidated  and consolidating income
statement,  balance  sheet  and  statement  of  cash  flows  of Borrower and its
Subsidiaries,  internally  prepared  for each Fiscal Month, and audited for each
Fiscal  Year,  prepared  in  accordance  with  GAAP.

                                   Sch A-7
<PAGE>
     "FISCAL  MONTH"  means  any  of the monthly accounting periods of Borrower.

     "FISCAL QUARTER" means any of the quarterly accounting periods of Borrower.

     "FISCAL YEAR" means the 12 month period of Borrower ending April 30 of each
year.  Subsequent  changes  of  the fiscal year of Borrower shall not change the
term  "Fiscal  Year"  unless  Lender  shall  consent  in writing to such change.

     "FIXTURES"  means  all  "fixtures" as such term is defined in the Code, now
owned  or  hereafter  acquired  by  any  Person.

     "GAAP"  means generally accepted accounting principles in the United States
of  America  as  in  effect  from  time  to  time,  consistently  applied.

     "GENERAL  INTANGIBLES"  means  all  "general  intangibles," as such term is
defined  in  the  Code, now owned or hereafter acquired by any Person, including
all  right,  title and interest that such Person may now or hereafter have in or
under  any  Contract,  all  Payment  Intangibles,  customer  lists,  Licenses,
Intellectual  Property,  interests  in  partnerships,  joint  ventures and other
business  associations,  permits,  proprietary  or  confidential  information,
inventions  (whether  or  not  patented  or  patentable), technical information,
procedures,  designs,  knowledge,  know-how,  software, data bases, data, skill,
expertise,  experience,  processes,  models,  drawings,  materials,  Books  and
Records,  Goodwill  (including  the  Goodwill  associated  with any Intellectual
Property),  all  rights  and  claims  in  or under insurance policies (including
insurance  for  fire,  damage,  loss,  and  casualty,  whether covering personal
property,  real  property,  tangible rights or intangible rights, all liability,
life,  key-person,  and  business  interruption  insurance,  and  all  unearned
premiums), uncertificated securities, choses in action, deposit accounts, rights
to  receive  tax  refunds  and  other  payments,  rights  to  receive dividends,
distributions, cash, Instruments and other property in respect of or in exchange
for  pledged  Stock  and  Investment  Property,  and  rights of indemnification.

     "GOODS"  means  all "goods," as such term is defined in the Code, now owned
or  hereafter  acquired  by  any  Person,  wherever  located, including embedded
software  to the extent included in "goods" as defined in the Code, manufactured
homes,  standing  timber  that  is  cut and removed for sale and unborn young of
animals.

     "GOODWILL"  means  all goodwill, trade secrets, proprietary or confidential
information,  technical  information,  procedures,  formulae,  quality  control
standards,  designs,  operating  and  training  manuals,  customer  lists,  and
distribution  agreements  now  owned  or  hereafter  acquired  by  any  Person.

     "GOVERNMENTAL AUTHORITY" means any nation or government, any state or other
political  subdivision  thereof,  and  any  agency,  department  or other entity
exercising  executive,  legislative,  judicial,  regulatory  or  administrative
functions  of  or  pertaining  to  government.

     "GUARANTEED  INDEBTEDNESS"  means, as to any Person, any obligation of such
Person  guaranteeing  any  indebtedness,  lease,  dividend,  or other obligation
("primary  obligations")  of  any  other  Person  (the "primary obligor") in any
manner,  including  any  obligation  or  arrangement  of  such

                                   Sch A-8
<PAGE>
guaranteeing  Person  (whether or not contingent): (i) to purchase or repurchase
any  such  primary  obligation;  (ii)  to  advance  or  supply funds (a) for the
purchase  or  payment  of any such primary obligation or (b) to maintain working
capital  or  equity  capital of the primary obligor or otherwise to maintain the
net  worth  or  solvency  or any balance sheet condition of the primary obligor;
(iii)  to purchase property, securities or services primarily for the purpose of
assuring  the owner of any such primary obligation of the ability of the primary
obligor  to  make  payment  of such primary obligation; or (iv) to indemnify the
owner  of  such  primary  obligation  against  loss  in  respect  thereof.

     "GUARANTOR" means each Person that executes a guaranty or a support, put or
other  similar  agreement in favor of Lender in connection with the transactions
contemplated  by  this  Agreement.

     "GUARANTY"  means  any  agreement  to  perform  all  or  any portion of the
Obligations  on  behalf  of  Borrower,  in  favor  of, and in form and substance
satisfactory  to,  Lender,  together  with  all  amendments,  modifications  and
supplements  thereto,  and  shall  refer  to such Guaranty as the same may be in
effect  at  the  time  such  reference  becomes  operative.

     "HAZARDOUS  MATERIAL"  means  any  substance,  material  or  waste  that is
regulated  by  or  forms  the  basis  of  liability  now or hereafter under, any
Environmental Laws, including any material or substance that is (a) defined as a
"solid  waste,"  "hazardous waste," "hazardous material," "hazardous substance,"
"extremely  hazardous  waste,"  "restricted  hazardous  waste,"  "pollutant,"
"contaminant,"  "hazardous  constituent,"  "special waste," "toxic substance" or
other  similar term or phrase under any Environmental Laws, (b) petroleum or any
fraction  or by-product thereof, asbestos, polychlorinated biphenyls (PCB's), or
any  radioactive  substance.

     "HAZARDOUS  WASTE"  has  the  meaning ascribed to such term in the Resource
Conservation  and  Recovery  Act  (42  U.S.C.  6901  et.  seq.).

     "INDEBTEDNESS" of any Person means: (i) all indebtedness of such Person for
borrowed  money  or  for  the  deferred  purchase  price of property or services
(including reimbursement and all other obligations with respect to surety bonds,
letters  of  credit  and  bankers'  acceptances, whether or not matured, but not
including  obligations  to  trade  creditors  incurred in the ordinary course of
business  and  not paid in the ordinary course of Borrower's business consistent
with past practices); (ii) all obligations evidenced by notes, bonds, debentures
or  similar  instruments;  (iii)  all  indebtedness created or arising under any
conditional  sale  or  other title retention agreements with respect to property
acquired  by  such  Person (even though the rights and remedies of the seller or
lender  under such agreement in the event of default are limited to repossession
or  sale  of  such  property);  (iv)  all  Capital  Lease  Obligations;  (v) all
Guaranteed Indebtedness; (vi) all Indebtedness referred to in clauses (i), (ii),
(iii),  (iv)  or  (v)  above  secured  by  (or  for  which  the  holder  of such
Indebtedness  has  an existing right, contingent or otherwise, to be secured by)
any  Lien  upon or in property (including accounts and contract rights) owned by
such  Person,  even  though such Person has not assumed or become liable for the
payment  of such Indebtedness; (vii) the Obligations; and (viii) all liabilities
under  Title  IV  of  ERISA.

     "INDEMNIFIED  LIABILITIES"  and  "INDEMNIFIED  PERSON"  have the respective
meanings  assigned  to  them  in  Section  1.11.

                                   Sch A-9
<PAGE>
     "INSTRUMENTS" means all "instruments," as such term is defined in the Code,
now  owned  or hereafter acquired by any Person, wherever located, including all
certificated  securities  and  all  promissory  notes  and  other  evidences  of
indebtedness,  other  than instruments that constitute, or are a part of a group
of  writings  that  constitute,  Chattel  Paper.

     "INTELLECTUAL  PROPERTY"  means  any and all Licenses, Patents, Copyrights,
Trademarks,  trade  secrets  and  customer  lists.

     "INVENTORY" means all "inventory," as such term is defined in the Code, now
owned  or  hereafter  acquired  by  any  Person, wherever located, including all
inventory, merchandise, goods and other personal property that are held by or on
behalf  of such Person for sale or lease or are furnished or are to be furnished
under  a  contract of service or that constitute raw materials, work in process,
finished  goods,  returned goods or materials or supplies of any kind, nature or
description used or consumed or to be used or consumed in such Person's business
or  in the processing, production, packaging, promotion, delivery or shipping of
the  same,  including  all  supplies  and  embedded  software.

     "INVESTMENT  PROPERTY"  means  all  "investment  property," as such term is
defined  in  the  Code,  now owned or hereafter acquired by any Person, wherever
located.

     "IRC"  and  "IRS"  mean respectively, the Internal Revenue Code of 1986 and
the  Internal  Revenue  Service,  and  any  successors  thereto.

     "LENDER"  means  New  Stream  Commercial  Finance,  LLC and, if at any time
Lender  shall  decide to assign or syndicate all or any of the Obligations, such
term  shall  include  such  assignee  or  such  other  members of the syndicate.

     "LETTER-OF-CREDIT  RIGHTS"  means "letter-of-credit rights" as such term is
defined  in  the  Code, now owned or hereafter acquired by any Person, including
rights  to  payment or performance under a letter of credit, whether or not such
Person,  as  beneficiary,  has  demanded  or  is  entitled  to demand payment or
performance.

     "LIBOR  RATE" means, a fluctuating rate of interest determined on a monthly
basis  equal  to  the one-month rate of interest appearing on Telerate Page 3750
(or  any  successor  page)  as  the  one-month London interbank offered rate for
deposits  in U.S. Dollars on the first (1st) Business Day of each month.  If for
any  reason  such rate is not available, "LIBOR" shall mean the fluctuating rate
of  interest calculated on a daily basis equal to the one-month rate of interest
appearing  on  Reuters  Screen  Page LIBO Page as the one-month London interbank
offered  rate  for  deposits  in  U.S.  Dollars on the first (1st) Business Day;
provided,  however,  if  more  than one rate is specified on Reuters Screen LIBO
Page,  the  applicable  rate  shall  be  the  arithmetic mean of all such rates.
"Telerate  Page  3750"  means  the  British  Bankers  Association  Libor  Rates
(determined as on the first (1st) Business Day of each month) that are published
by  Moneyline  Telerate (or any successor thereto).  As used in this definition,
the  term  "Business  Day"  means  a  day on which commercial banks are open for
international  business  (including  dealings in U.S. Dollar deposits in London,
England).

                                    Sch A-10
<PAGE>
     "LICENSE" means any Copyright License, Patent License, Trademark License or
other  license  of  rights  or  interests  now held or hereafter acquired by any
Person.

     "LIEN"  means  any  mortgage,  security  deed  or  deed  of  trust, pledge,
hypothecation,  assignment,  deposit  arrangement, lien, charge, claim, security
interest,  security  title,  easement or encumbrance, or preference, priority or
other  security  agreement  or  preferential  arrangement  of any kind or nature
whatsoever  (including  any  lease  or  title retention agreement, any financing
lease having substantially the same economic effect as any of the foregoing, and
the  filing  of,  or  agreement  to  give,  any financing statement perfecting a
security  interest  under  the  Code  or  comparable  law  of any jurisdiction).

     "LITIGATION"  means  any  claim,  lawsuit,  litigation,  investigation  or
proceeding  of  or  before  any  arbitrator  or  Governmental  Authority.

     "LOAN DOCUMENTS" means this Agreement, the Notes, the Financial Statements,
each  Guaranty,  the Power of Attorney, the Lock Box Account Agreements, and the
other  documents  and  instruments  listed  in  Schedule  F,  and  all  security
agreements,  mortgages  and  all other documents, instruments, certificates, and
notices  at  any  time delivered by any Person (other than Lender) in connection
with  any  of  the  foregoing.

     "LOANS"  means  the  Revolving  Credit  Loan.

     "LOCK  BOX  ACCOUNT"  and  "LOCK  BOX  ACCOUNT AGREEMENT" have the meanings
assigned  to  such  terms  in  Schedule  D.

     "MATERIAL  ADVERSE  EFFECT"  means  a  material  adverse  effect on (a) the
business,  assets,  operations,  prospects  or  financial  or other condition of
Borrower  or the industry within which Borrower operates, (b) Borrower's ability
to  pay  or  perform  the  Obligations under the Loan Documents to which it is a
party in accordance with the terms thereof, (c) the Collateral or Lender's Liens
on  the  Collateral or the priority of any such Lien, or (d) Lender's rights and
remedies  under  this  Agreement  and  the  other  Loan  Documents.

     "MAXIMUM  AMOUNT"  means  $35,000,000.

     "MAXIMUM  LEGAL RATE" shall mean the maximum lawful interest rate which may
be  contracted for, charged, taken, received or reserved under this Agreement or
the  other  Loan  Documents  by  Lender  in  accordance with applicable state or
federal  law  (whichever  provides  for the highest permitted rate), taking into
account  all  items  contracted  for, charged or received in connection with the
Obligations  evidenced hereby which are treated as interest under the applicable
state  or  federal  law,  as such rate may change from time to time. The Maximum
Legal  Rate  shall be calculated in a manner that takes into account any and all
fees,  payments  and  other  charges  in  respect  of  the  Loan  Documents that
constitute  interest  under  applicable  law.  Each  change in any interest rate
provided for herein based upon the Maximum Legal Rate resulting from a change in
the  Maximum  Legal Rate shall take effect without notice to the Borrower at the
time  of  such  change in the Maximum Legal Rate.  If, despite the provisions of
Section  9.9  of  this  Agreement, Texas law is deemed to apply, for purposes of
determining  the  Maximum  Legal  Rate  under  Texas  law,  the

                                    Sch A-11
<PAGE>
applicable  rate  ceiling  shall  be:  (a) the "weekly ceiling" described in and
computed  in  accordance  with  the  provisions  of Section 303.003 of the Texas
Finance Code, as amended; or (b) if the parties subsequently contract as allowed
by  Texas law, the quarterly ceiling or the annualized ceiling computed pursuant
to  Section  303.008  of  the Texas Finance Code, as amended; provided, however,
that  at  any time the "weekly ceiling", the quarterly ceiling or the annualized
ceiling  shall  be  less  than  18%  per  annum  or more than 24% per annum, the
provisions  of  Section  303.009(a)and  Section  303.009(b) of the Texas Finance
Code,  as  amended,  shall  control  for  purposes  of  such  determination,  as
applicable.

     "MINIMUM  ACTIONABLE  AMOUNT"  means  $250,000.

     "MULTIEMPLOYER  PLAN"  means  a "multiemployer plan," as defined in Section
4001(a)  (3)  of  ERISA,  to which Borrower or any ERISA Affiliate is making, is
obligated  to  make, has made or been obligated to make, contributions on behalf
of  participants  who  are  or  were  employed  by  any  of  them.

     "NET  BORROWING  AVAILABILITY" means at any time the Borrowing Availability
less  the  Revolving  Credit  Loan.

     "NET  INCOME  (LOSS)"  means with respect to any Person and for any period,
the  aggregate  net income (or loss) after taxes of such Person for such period,
determined  in  accordance  with  GAAP.

     "NON-CATASTROPHE  ACCOUNT"  means  any  Account which does not qualify as a
Catastrophe  Account.

     "NOTES"  means  the  Revolving  Credit  Note.

     "NOTICE  OF  REVOLVING  CREDIT  ADVANCE"  has the meaning assigned to it in
Section  1.1(b).

     "OBLIGATIONS"  means  all  loans,  advances,  debts, expense reimbursement,
fees,  liabilities,  and  obligations for the performance of covenants, tasks or
duties  or  for  payment of monetary amounts (whether or not such performance is
then required or contingent, or amounts are liquidated or determinable) owing by
Borrower  to  Lender,  of  any kind or nature, present or future, whether or not
evidenced  by any note, agreement or other instrument, whether arising under any
of  the Loan Documents or under any other agreement between Borrower and Lender,
and  all  covenants  and  duties  regarding such amounts. This term includes all
principal,  interest  (including  interest  accruing at the then applicable rate
provided in this Agreement after the maturity of the Loans and interest accruing
at  the  then applicable rate provided in this Agreement after the filing of any
petition in bankruptcy, or the commencement of any insolvency, reorganization or
like  proceeding,  whether  or  not  a  claim  for  post-filing or post-petition
interest  is  allowed  in  such proceeding), Fees, Charges, expenses, attorneys'
fees  and  any other sum chargeable to Borrower under any of the Loan Documents,
and  all  principal and interest due in respect of the Loans and all obligations
and  liabilities  of  any  Guarantor  under  any  Guaranty.

     "PARENT"  shall  mean  Charys  Holdings  Company,  Inc.  and  its permitted
successors  and  assigns.

                                    Sch A-12
<PAGE>
     "PATENT  LICENSE"  means  rights  under  any written agreement now owned or
hereafter  acquired  by  any  Person  granting  any  right  with  respect to any
invention  on  which  a  Patent  is  in  existence.

     "PATENTS"  means  all  of  the  following  in which any Person now holds or
hereafter  acquires any interest: (i) all letters patent of the United States or
any  other  country,  all  registrations  and  recordings  thereof,  and  all
applications  for  letters  patent  of  the  United States or any other country,
including registrations, recordings and applications in the United States Patent
and  Trademark  Office  or in any similar office or agency of the United States,
any  State  or  Territory  thereof, or any other country; and (ii) all reissues,
continuations,  continuations-in-part  or  extensions  thereof.

     "PAYMENT  INTANGIBLES"  means  all  "payment  intangibles"  as such term is
defined  in  the  Code,  now  owned  or  hereafter  acquired  by  any  Person.

     "PBGC"  means  the  Pension  Benefit  Guaranty Corporation or any successor
thereto.

     "PERMITTED  ENCUMBRANCES"  means  the following encumbrances: (i) Liens for
taxes or assessments or other governmental Charges or levies, either not yet due
and  payable  or to the extent that nonpayment thereof is permitted by the terms
of  Section  3.10;  (ii) pledges or deposits securing obligations under worker's
compensation,  unemployment  insurance, social security or public liability laws
or  similar  legislation;  (iii)  pledges  or  deposits  securing bids, tenders,
contracts  (other  than  contracts  for the payment of money) or leases to which
Borrower  is  a  party  as  lessee made in the ordinary course of business; (iv)
deposits  securing public or statutory obligations of Borrower; (v) inchoate and
unperfected  workers',  mechanics',  or  similar  liens  arising in the ordinary
course  of  business so long as such Liens attach only to Equipment, fixtures or
real  estate;  (vi)  carriers',  warehousemans', suppliers', landlords' or other
similar  statutory liens arising in the ordinary course of business and securing
indebtedness  not  yet  due and payable; (vii) deposits of money securing, or in
lieu  of,  surety, appeal or customs bonds in proceedings to which Borrower is a
party; (viii) zoning restrictions, easements, licenses, or other restrictions on
the  use  of  real  property  or  other minor irregularities in title (including
leasehold  title) thereto, so long as the same do not materially impair the use,
value,  or marketability of such real estate; (ix) Purchase Money Liens securing
Purchase  Money  Indebtedness  (or  rent)  to the extent permitted under Section
5(b)(vi);  (x) Liens in existence on the Closing Date as disclosed on Disclosure
                                                                      ----------
Schedule(5(e)) provided that no such Lien is spread to cover additional property
--------------
after  the  Closing  Date  and the amount of Indebtedness secured thereby is not
increased.;  (xi)  Liens  in favor of Lender securing the Obligations; and (xii)
other  Liens  in  an  aggregate  amount  not  to  exceed  $750,000  at  any time
outstanding.

     "PERSON"  means  any  individual, sole proprietorship, partnership, limited
liability  partnership,  joint  venture,  trust,  unincorporated  organization,
association, corporation, limited liability company, institution, public benefit
corporation,  entity  or  government  (whether  Federal,  state,  county,  city,
municipal or otherwise, including any instrumentality, division, agency, body or
department  thereof),  and  shall  include such Person's successors and assigns.

     "PLAN"  means any employee pension benefit plan (other than a Multiemployer
Plan)  subject  to the provisions of Title IV of ERISA or Section 412 of the IRC
or Section 302 of ERISA, and in respect of which Borrower or any ERISA Affiliate
is  (or,  if  such  plan  were  terminated, would under Section 4069 of ERISA be
deemed  to  be)  an  "employer"  as  defined  in  Section  3(5)  of  ERISA.

                                    Sch A-13
<PAGE>
     "PREPAYMENT  FEE"  means  the  prepayment  fee  specified  in  Schedule  E.

     "PROCEEDS"  means  "proceeds,"  as such term is defined in the Code and, in
any  event, shall include: (i) any and all proceeds of any insurance, indemnity,
warranty  or  guaranty  payable to Borrower with respect to any Collateral; (ii)
any  and  all  payments  (in  any  form  whatsoever)  made or due and payable to
Borrower in connection with any requisition, confiscation, condemnation, seizure
or  forfeiture  of any Collateral by any governmental body, authority, bureau or
agency  (or  any person acting under color of governmental authority); (iii) any
claim  of  Borrower  against  third  parties  (a)  for  past,  present or future
infringement  of  any  Intellectual  Property or (b) for past, present or future
infringement  or dilution of any Trademark or Trademark License or for injury to
the  goodwill associated with any Trademark, Trademark registration or Trademark
licensed  under  any  Trademark License; (iv) any recoveries by Borrower against
third  parties  with  respect  to  any  litigation  or  dispute  concerning  any
Collateral,  including  claims  arising  out  of  the  loss or nonconformity of,
interference  with  the  use  of,  defects  in, or infringement of rights in, or
damage  to,  Collateral; (v) all amounts collected on, or distributed on account
of,  other  Collateral,  including  dividends,  interest,  distributions  and
Instruments  with respect to Investment Property and pledged Stock; and (vi) any
and  all  other  amounts,  rights to payment or other property acquired upon the
sale, lease, license, exchange or other disposition of Collateral and all rights
arising  out  of  Collateral.

     "PROJECTIONS"  means  as  of  any  date  the consolidated and consolidating
balance  sheet,  statements  of  income  and  cash  flow  for  Borrower  and its
Subsidiaries  (including  forecasted  Capital  Expenditures  and  Net  Borrowing
Availability)  (i)  by  month for the next Fiscal Year, and (ii) by year for the
following  three Fiscal Years, in each case prepared in a manner consistent with
GAAP  and  accompanied  by  senior  management's discussion and analysis of such
plan.

     "PURCHASE AGREEMENT" shall mean that certain Stock Purchase Agreement dated
as  of  June  5,  2006  by  and  among  Parent,  Borrower  and  Seller.

     "PURCHASE  MONEY  INDEBTEDNESS" means (i) any Indebtedness incurred for the
payment  of  all  or any part of the purchase price of any fixed asset, (ii) any
Indebtedness  incurred  for  the sole purpose of financing or refinancing all or
any  part  of  the  purchase  price  of any fixed asset, and (iii) any renewals,
extensions  or  refinancings  thereof  (but  not  any increases in the principal
amounts  thereof  outstanding  at  that  time).

     "PURCHASE  MONEY  LIEN"  means any Lien upon any fixed assets which secures
the  Purchase  Money Indebtedness related thereto but only if such Lien shall at
all  times  be  confined  solely  to  the  asset the purchase price of which was
financed or refinanced through the incurrence of the Purchase Money Indebtedness
secured  by  such  Lien  and  only if such Lien secures only such Purchase Money
Indebtedness.

     "REAL  PROPERTY"  has  the  meaning  assigned  to  it  in  Section  3.15.

     "RELEASE"  means  as  to any Person, any release, spill, emission, leaking,
pumping,  injection,  deposit, disposal, discharge, dispersal, dumping, leaching
or migration of Hazardous Materials in the indoor or outdoor environment by such
Person,  including  the  movement  of Hazardous Materials through or in the air,
soil,  surface  water,  ground  water  or  property.

                                    Sch A-14
<PAGE>
     "REQUIREMENT OF LAW" means as to any Person, the Certificate or Articles of
Incorporation and By-Laws or other organizational or governing documents of such
Person,  and  any  law,  treaty,  rule  or  regulation  or  determination  of an
arbitrator or a court or other Governmental Authority, in each case binding upon
such  Person  or  any  of  its  property  or  to which such Person or any of its
property  is  subject.

     "RESTRICTED  PAYMENT" means, after the Closing Date: (i) the declaration or
payment  of  any  dividend  or the incurrence of any liability to make any other
payment  or distribution of cash or other property or assets on or in respect of
Borrower's  Stock;  (ii)  any  payment  or  distribution  made in respect of any
subordinated Indebtedness of Borrower in violation of any subordination or other
agreement made in favor of Lender; (iii) any payment on account of the purchase,
redemption,  defeasance  or other retirement of Borrower's Stock or Indebtedness
or  any  other  payment  or  distribution made in respect of any thereof, either
directly  or indirectly; other than (a) that arising under this Agreement or (b)
interest  and  principal,  when  due without acceleration or modification of the
amortization as in effect on the Closing Date, under Indebtedness (not including
subordinated  Indebtedness,  payments  of  which  shall  be  permitted  only  in
accordance  with the terms of the relevant subordination agreement made in favor
of  Lender) described in Disclosure Schedule (5(b)) or otherwise permitted under
                         --------------------------
Section  5(b)(vi); or (iv) any payment, loan, contribution, or other transfer of
funds or other property to any Stockholder of such Person which is not expressly
and  specifically  permitted  in  this  Agreement;  provided, that no payment to
Lender  shall  constitute  a  Restricted  Payment.

     "REVOLVING  CREDIT  ADVANCE"  has  the  meaning  assigned  to it in Section
1.1(a).

     "REVOLVING  CREDIT  LOAN"  means  at  any time the sum of (i) the aggregate
amount  of  Revolving  Credit Advances then outstanding, plus (ii) the amount of
accrued  but  ---- unpaid interest thereon, plus (iii) the amount of accrued but
unpaid  costs,  fees  ----  and  expenses  payable  hereunder

     "REVOLVING  CREDIT  NOTE"  means  the promissory note of Borrower dated the
Closing  Date,  substantially  in  the  form  of  Exhibit  F.
                                                  -----------

     "REVOLVING  CREDIT  RATE" has the meaning assigned to it in Section 1.5(a).

     "SELLER"  shall  mean  Troy  Crochet.

     "SELLER  NOTE"  means that certain Promissory Note dated as of June 5, 2006
in the original principal amount of $19,000,000 executed and delivered by Parent
in  favor  of  Seller  in  effect  on  the  date  hereof.

     "SOFTWARE"  means  all  "software" as such term is defined in the Code, now
owned  or  hereafter acquired by any Person, including all computer programs and
all  supporting information provided in connection with a transaction related to
any  program.

     "SOLVENCY  OPINION"  shall have the meaning assigned to it in Section 3.23.

     "SOLVENT"  means,  with respect to any Person on a particular date, that on
such  date (a) the fair value of the property of such Person is greater than the
total  amount  of  liabilities,  including

                                    Sch A-15
<PAGE>
contingent  liabilities,  of  such Person; (b) the present fair salable value of
the  assets  of such Person is not less than the amount that will be required to
pay  the  probable liability of such Person on its debts as they become absolute
and  matured;  (c)  such Person does not intend to, and does not believe that it
will,  incur  debts  or  liabilities beyond such Person's ability to pay as such
debts  and  liabilities mature; and (d) such Person is not engaged in a business
or  transaction,  and  is  not about to engage in a business or transaction, for
which such Person's property would constitute an unreasonably small capital. The
amount  of  contingent  liabilities  (such as litigation, guaranties and pension
plan  liabilities) at any time shall be computed as the amount that, in light of
all the facts and circumstances existing at the time, represents the amount that
can  be  reasonably  be  expected  to  become  an  actual  or matured liability.

     "SPECIAL  CATASTROPHE  ACCOUNT" means the following Catastrophe Accounts in
existence  as  of  the  Closing  Date;  Certified  Cleaning  &  Restoration, LVI
Environmental  Services,  Bayou  Benard  Professional Building, Mississippi Gulf
Coast  Community  College  and  Hancock  Bank.

     "STATED  EXPIRY  DATE"  means  August  28,  2007.

     "STOCK"  means  all  certificated  and  uncertificated  shares,  options,
warrants,  membership  interests,  general  or  limited  partnership  interests,
participation  or  other  equivalents  (regardless of how designated) of or in a
corporation, partnership, limited liability company or equivalent entity whether
voting  or  nonvoting,  including  common  stock,  preferred stock, or any other
"equity  security"  (as such term is defined in Rule 3a11-1 of the General Rules
and  Regulations promulgated by the Securities and Exchange Commission under the
Securities  Exchange  Act  of  1934).

     "STOCKHOLDER"  means  each  holder  of  Stock  of  Borrower.

     "SUBSIDIARY"  means,  with  respect  to  any Person, (i) any corporation of
which  an  aggregate  of  more than 50% of the outstanding Stock having ordinary
voting  power  to elect a majority of the board of directors of such corporation
(irrespective  of  whether,  at the time, Stock of any other class or classes of
such  corporation  shall  have  or  might  have  voting  power  by reason of the
happening  of  any  contingency)  is  at the time, directly or indirectly, owned
legally  or  beneficially by such Person and/or one or more Subsidiaries of such
Person,  or  with  respect  to  which  any  such Person has the right to vote or
designate  the  vote  of  50% or more of such Stock whether by proxy, agreement,
operation  of  law  or  otherwise, and (ii) any partnership or limited liability
company  in  which such Person or one or more Subsidiaries of such Person has an
equity  interest  (whether  in the form of voting or participation in profits or
capital  contribution) of more than 50% or of which any such Person is a general
partner  or  manager or may exercise the powers of a general partner or manager.

     "SUCCESS  FEE"  has  the  meaning  assigned  to  it  in  Schedule  E.

     "SUPPORTING OBLIGATIONS" means all "supporting obligations" as such term is
defined  in  the  Code,  including  letters  of  credit and guaranties issued in
support of Accounts, Chattel Paper, Documents, General Intangibles, Instruments,
or  Investment  Property.

     "TANGIBLE  NET  WORTH"  means, with respect to any Person, at any date, the
total  assets (excluding any assets attributable to any issuances by such Person
of  any  Stock  after  the  Closing

                                    Sch A-16
<PAGE>
     Date  and  excluding any intangible assets) minus the total liabilities, in
each  case,  of  such  Person  at  such date determined in accordance with GAAP.
"TAXES"  means  taxes, levies, imposts, deductions, Charges or withholdings, and
all  liabilities with respect thereto, excluding taxes imposed on or measured by
the  net  income  of  Lender.

     "TERMINATION  DATE"  means  the  date  on  which all Obligations under this
Agreement  are  indefeasibly  paid  in full, in cash, and Borrower shall have no
further  right  to  borrow  any  moneys  or  obtain  other  credit extensions or
financial  accommodations  under  this  Agreement.

     "TRADEMARK  LICENSE"  means rights under any written agreement now owned or
hereafter  acquired  by  any  Person  granting any right to use any Trademark or
Trademark  registration.

     "TRADEMARKS"  means  all of the following now owned or hereafter adopted or
acquired  by  any  Person:  (i)  all  trademarks,  trade names, corporate names,
business  names,  trade  styles,  service marks, logos, other source or business
identifiers,  prints  and  labels on which any of the foregoing have appeared or
appear,  designs  and  general intangibles of like nature (whether registered or
unregistered)  all registrations and recordings thereof, and all applications in
connection  therewith,  including all registrations, recordings and applications
in  the  United  States  Patent and Trademark Office or in any similar office or
agency  of  the  United  States,  any  State  or Territory thereof, or any other
country  or  any political subdivision thereof: (ii) all reissues, extensions or
renewals thereof; and (iii) all goodwill associated with or symbolized by any of
the  foregoing.

     "TRANSACTION  SUMMARY"  means  the  Transaction  Summary  set  forth in the
Recitals  to  this  Agreement.

     "UNUSED  LINE  FEE"  has  the meaning assigned to it in Schedule E. "VENDOR
ACKNOWLEDGMENTS"  shall  mean each of the acknowledgments executed and delivered
by  the Designated Vendors, which acknowledgments shall be in form and substance
satisfactory  to  Lender  in  all  respects.

     "WITHDRAWAL  LIABILITY" means liability to a Multiemployer Plan as a result
of  a complete or partial withdrawal from such Multiemployer Plan, as such terms
are  defined  in  Part  I  of  Subtitle  E  of  Title  IV  of  ERISA.

     Any  accounting  term  used  in  this Agreement or the other Loan Documents
shall  have,  unless  otherwise  specifically  provided  therein,  the  meaning
customarily  given  such  term  in  accordance  with  GAAP,  and  all  financial
computations  thereunder  shall  be  computed,  unless  otherwise  specifically
provided  therein,  in accordance with GAAP consistently applied; provided, that
all  financial covenants and calculations in the Loan Documents shall be made in
accordance with GAAP as in effect on the Closing Date unless Borrower and Lender
shall  otherwise  specifically  agree  in  writing.  That  certain  items  or
computations  are  explicitly  modified  by the phrase "in accordance with GAAP"
shall  in  no way be construed to limit the foregoing. All other undefined terms
contained  in  this  Agreement  or  the  other  Loan Documents shall, unless the
context  indicates  otherwise,  have  the meanings provided for by the Code. The
words  "herein,""hereof"  and "hereunder" or other words of similar import refer
to  this  Agreement as a whole, including the exhibits and schedules thereto, as

                                    Sch A-17
<PAGE>
the  same may from time to time be amended, modified or supplemented, and not to
any  particular  section,  subsection  or  clause  contained  in this Agreement.

For  purposes  of  this  Agreement  and  the other Loan Documents, the following
additional  rules  of construction shall apply, unless specifically indicated to
the  contrary:  (a)  wherever from the context it appears appropriate, each term
stated  in  either  the  singular  or  plural shall include the singular and the
plural;  (b)  the  term  "or" is not exclusive; (c) the term "including" (or any
form thereof) shall not be limiting or exclusive; (d) all references to statutes
and  related  regulations shall include any amendments of same and any successor
statutes  and  regulations;  and  (e)  all  references  to  any  instruments  or
agreements, including references to any of the Loan Documents, shall include any
and  all  modifications  or  amendments  thereto  and  any and all extensions or
renewals  thereof.

                                    Sch A-18
<PAGE>
                                   SCHEDULE B
                   LENDER'S AND BORROWER'S ADDRESS FOR NOTICES

Lender's Address

               Name:        NEW STREAM COMMERCIAL FINANCE, LLC
               Address:     38C Grove Street
                            Ridgefield, Connecticut 06877
               Attn:        William Steward
               Telephone:   (203) 431-0330 Ext. 824
               Facsimile:   (203) 702-5377

Borrower's Address

               Name:        CROCHET & BOREL SERVICES, INC.
               Address:     346 Twin City Highway
                            Port Neches, Texas 77651
               Attn:        Troy Crochet, President
               Telephone:   (409) 722-9697
               Facsimile:   (409) 722-7273

                                   Sch B-1
<PAGE>
                                   SCHEDULE C

                             [INTENTIONALLY OMITTED]

                                   Sch C-1
<PAGE>
                          SCHEDULE D - CASH MANAGEMENT

Borrower  agrees  to establish, and to maintain, until the Termination Date, the
cash  management  system  described  below:

1.     Borrower:  (i) shall not (nor shall it permit any of its Subsidiaries to)
open  or  maintain  any  deposit,  checking, operating or other bank account, or
similar  money  handling  account,  with any bank or other financial institution
except  for those accounts identified in Attachment I hereto (to include a petty
cash account not to exceed $5,000 during any Fiscal Month, and a payroll account
not  to  exceed  an  amount  equal to one regular payroll at any time); and (ii)
shall  close  or  permit to be closed any of the accounts listed in Attachment I
                                                                    ------------
hereto, in each case without Lender's prior written consent, and then only after
Borrower  has implemented agreements with such bank or financial institution and
Lender  acceptable  to  Lender.

2.     Commencing  on  the Closing Date and until the Termination Date, Borrower
shall  cause  to  be deposited directly all cash, checks, notes, drafts or other
similar  items  relating  to  or  constituting  proceeds  of or payments made in
respect  of  any  and  all  Collateral  into  lock boxes or lock box accounts in
Borrower's or Lender's name (collectively, the "Lock Box Accounts") set forth in
                                                -----------------
paragraph  1  of  Attachment  I  hereto.
                  -------------

3.     On  or  before the Closing Date, each bank at which the Lock Box Accounts
are  held  shall  have entered into tri-party lock box agreements (the "Lock Box
                                                                        --------
Account  Agreements") with Lender and Borrower, in form and substance acceptable
-------------------
to  Lender.  Each  such  Lock  Box  Account Agreement shall provide, among other
things,  that  (a) such bank executing such agreement has no rights of setoff or
recoupment  or  any  other  claim  against such Lock Box Account, other than for
payment  of  its  service  fees  and  other  charges  directly  related  to  the
administration  of  such  account,  and (b) such bank agrees to sweep on a daily
basis  all  amounts  in  the  Lock  Box  Account  to  the  Collection  Account.

4.     On  the  Closing  Date, (a) the lock box and blocked account arrangements
shall  immediately  become operative at the banks at which the Lock Box Accounts
are maintained, and (b) amounts outstanding under the Revolving Credit Loan (for
purposes  of  the Borrowing Availability) shall be reduced through daily sweeps,
by  wire  transfer,  of  the  Lock  Box  Accounts  into  the Collection Account.
Borrower  acknowledges  that it shall have no right to gain access to any of the
moneys  in  the  Lock  Box  Accounts  until  after  the  Termination  Date.

5.     Borrower  may  maintain,  in  its  name,  accounts  (the  "Disbursement
                                                                  ------------
Accounts") at a bank or banks acceptable to Lender into which Lender shall, from
time  to  time,  deposit  proceeds of Revolving Credit Advances made pursuant to
Section  1.1  for  use  solely in accordance with the provisions of Section 1.3.
All  of the Disbursement Accounts as of the Closing Date are listed in paragraph
2  of  Attachment  I  hereto.
       -------------

6.     Upon  the request of Lender, Borrower shall forward to Lender, on a daily
basis, evidence of the deposit of all items of payment received by Borrower into
the  Lock  Box  Accounts and copies of all such checks and other items, together
with  a statement showing the application of those items

                                   Sch D-1
<PAGE>
relating to payments on Accounts to outstanding Accounts and a collection report
with  regard  thereto  in  form  and  substance  satisfactory  to  Lender.

                                   Sch D-2
<PAGE>
                           ATTACHMENT I TO SCHEDULE D

                              LIST OF BANK ACCOUNTS

     1.     Lock Box Accounts.
            -----------------

     2.     Disbursement Accounts.
            ---------------------

      3.     Petty Cash Account (not to exceed $5,000).
             ------------------

      4.     Payroll Account (not to exceed one regular payroll).
             ---------------

                                   Sch D-3
<PAGE>
                                SCHEDULE E - FEES

1.     UNUSED  LINE  FEE:  For  each  day from the Closing Date, and through and
including  the  Termination Date, an amount equal to the Maximum Amount less the
Revolving Credit Loan for such day multiplied by one-half of one (.50%) percent,
the product of which is then divided by 360.  The Unused Line Fee for each month
(except  for  the  month in which the Termination Date occurs) is payable on the
first  day  of each calendar month following the Closing Date; the final monthly
installment  of  the  Unused  Line  Fee  is  payable  on  the  Termination Date.
Notwithstanding the foregoing, any unpaid Unused Line Fee is immediately due and
payable  on  the  Commitment  Termination  Date.

2.     COMMITMENT  FEE;  CLOSING  FEE:  A  non-refundable  commitment  fee  of
$350,000,  less  the amount of such commitment fee previously received by Lender
prior  to  the  Closing  Date, which commitment fee shall be paid at closing.  A
non-refundable closing fee of $350,000, payable and fully earned at closing (the
"Closing  Fee").

3.     MAKE  WHOLE  SUCCESS FEE: If the Commitment Termination Date occurs after
the  date  which  is  ninety  (90)  days from the Closing Date, a non-refundable
success  fee  of  $2,450,000  (the  "Make  Whole  Success Fee").  The Make Whole
Success  Fee shall be fully earned for services rendered to Borrower on the date
which is ninety-one (91) days from the Closing Date, and shall be payable on the
earlier  of  (a)  the  Commitment Termination Date and (b) the date which is one
hundred  eighty  (180)  days  from  the  Closing  Date.

4.     COLLATERAL  MONITORING FEE:  A fully earned and non-refundable collateral
monitoring  fee of $10,000 per month, payable in advance on the Closing Date and
on  the  first  day  of  each  month  thereafter.

5.     PREPAYMENT  FEE: An amount equal to the Maximum Amount multiplied by five
(5%) percent if Lender's obligation to make further Revolving Credit Advances is
terminated  (voluntarily by Borrower, upon Default or otherwise) on or after the
Closing  Date  and  on  or  before  the  date which is ninety (90) days from the
Closing Date, payable on the Commitment Termination Date ("Prepayment Fee").  No
Prepayment  Fee  shall  be payable after the date which is ninety (90) days from
the  Closing  Date.  Borrower  acknowledges  and  agrees  that  (i)  it would be
difficult  or  impractical  to  calculate  Lender's  actual  damages  from early
termination of Lender's obligation to make further Revolving Credit Advances for
any  reason  pursuant to Section 1.2(c) or Section 7.2, (ii) the Prepayment Fees
provided  above  are  intended  to be fair and reasonable approximations of such
damages,  and  (iii)  the  Prepayment  Fees  are  not  intended to be penalties.

6.     AUDIT  FEES:  Borrower  will  reimburse  Lender per person per day at the
then  prevailing  rate  (which rate as of the Closing Date is $800), plus out of
pocket  expenses,  for  the  audit  reviews,  field  examinations and collateral
examinations  conducted  by  Lender.

7.     COMMISSIONS:  A  commission at a rate of one-tenth of one percent (0.10%)
of  the  gross  face  amount of each Catastrophe Account and Special Catastrophe
Account of Borrower deposited in the Lock Box Accounts or otherwise collected by
Borrower  orLender  or  their  respective  agents  or

                                   Sch E-1
<PAGE>
designees  after  the  Closing  Date  (the  "Commissions"). Commissions shall be
earned  on  a daily basis and shall be payable to Lender on the last day of each
month;  except  that,  any earned and unpaid Commissions shall be payable on the
Termination  Date.

                                   Sch E-2
<PAGE>
                                   SCHEDULE F

                              SCHEDULE OF DOCUMENTS

The  obligation  of  Lender  to  make  the initial Revolving Credit Advances and
extend  other  credit is subject to satisfaction of the condition precedent that
Lender shall have received the following, each, unless otherwise specified below
or the context otherwise requires, dated the Closing Date, in form and substance
satisfactory  to  Lender  and  its  counsel:

PRINCIPAL  LOAN  DOCUMENTS

1.     Agreement.  The  Loan  and  Security  Agreement  duly executed by Lender,
       ---------
Borrower  and  Parent.

2.     Note(s).  Duly  executed  Note(s)  to  the order of Lender evidencing the
       -------
Loan(s).

3.     Borrowing  Base Certificate.  An original Borrowing Base Certificate duly
       ---------------------------
executed  by  a  responsible  officer  of  Borrower(s).

4.     Notice  of  Revolving  Credit  Advance.  An  original Notice of Revolving
       --------------------------------------
Credit  Advance  duly  executed  by  a  responsible  officer  of  Borrower(s).

COLLATERAL  DOCUMENTS

1.     Acknowledgment  Copies of Financing Statements.  Acknowledgment copies of
       ----------------------------------------------
proper Financing Statements (Form UCC-l) (the "Financing Statements") duly filed
under  the  Code  in all jurisdictions as may be necessary or, in the opinion of
Lender,  desirable  to  perfect  Lender's  Lien  on  the  Collateral.

2.     UCC  Searches.  Certified  copies  of  UCC  Searches,  or  other evidence
       -------------
satisfactory  to  Lender,  listing all effective financing statements which name
Borrower(s)  (under  present  name,  any  previous  name  or  any trade or doing
business name) as debtor and covering all jurisdictions referred to in paragraph
(1)  immediately above, together with copies of such other financing statements.

3.     Other  Recordings  and  Filings.  Evidence of the completion of all other
       -------------------------------
recordings  and  filings  (including UCC-3 termination statements and other Lien
release  documentation)  as  may  be  necessary or, in the opinion of and at the
request  of  Lender,  desirable  to  perfect Lender's Lien on the Collateral and
ensure  such  Collateral  is  free  and  clear  of  other  Liens

4.     Power  of  Attorney.  Power  of  Attorney  duly  executed  by  Borrower.
       -------------------

THIRD  PARTY  AGREEMENTS

                                   Sch F-1
<PAGE>
1.     Landlord  Consents.  Within  30  days  after  the  Closing  Date,  a duly
       ------------------
executed  landlord  waiver  from the landlord for the Borrower's leased premises
located  at  346  Twin  City  Highway, Port Neches, Texas, in form and substance
reasonably  satisfactory  to  Lender.

2.     Cash  Management  System.  Duly executed Lock Box Account Agreements and,
       ------------------------
if required by Lender, pledged account agreements in respect of the Disbursement
Accounts  as  contemplated  by  Schedule  D.

3.     Pledge  Agreement.  Pledge Agreement and related stock powers executed by
       -----------------
Parent.

4.     Warrant.  Warrant  executed  by  Parent  for Lender to purchase 2,000,000
       -------
shares  of  Parent.  Warrant  to  be  exercisable  for  a  five  (5) year period
following  the  Closing  Date.

5.     Vendor  Acknowledgment.  Vendor  Acknowledgment by each of the Designated
       ----------------------
Vendors.

OTHER  DOCUMENTS

1.     Secretary  Certificate.  A Secretary Certificate in the form of Exhibit H
       ----------------------                                          ---------
to  the  Agreement  duly  completed  and  executed by the Secretary of Borrower,
together  with  all  attachments  thereto.

2.     Financial Statements and Projections.  Copies of the Financial Statements
       ------------------------------------
and  Projections,  which Projections shall include a capital expenditures budget
for  Borrower(s)  in  form  and  substance  satisfactory  to  Lender.

4.     Insurance  Policies.  Certified copies of insurance policies described in
       -------------------
Section  3.16, together with evidence showing loss payable or additional insured
clauses  or  endorsements  in  favor  of  Lender.

5.     Existing  Lease  Agreements.  Copies of any existing real property leases
       ---------------------------
and  equipment leases to which (each) Borrower is a party and any other document
or  instrument  evidencing  or relating to existing Indebtedness of Borrower(s),
together  with  all  certificates, opinions, instruments, security documents and
other documents relating thereto, all of which shall be satisfactory in form and
substance  to Lender, certified by an authorized officer of Borrower(s) as true,
correct  and  complete  copies  thereof.

6.     Solvency  Opinion.  Within  thirty  (30)  days from the Closing Date, the
       -----------------
Solvency  Opinion,  the  results  of  which  shall  be  in  form  and  Substance
satisfactory  to  Lender and shall reflect that as of the Closing Date and after
giving  effect  to  the  initial  transactions  hereunder,  Borrower is Solvent.

7.     Officer's  Certificate.     Lender  shall  have  received  an  executed
       ----------------------
Officer's  Certificate, in form and substance satisfactory to Lender, certifying
the  Borrower  is  Solvent as of the Closing Date and after giving effect to the
initial  transactions  contemplated  hereunder.

                                   Sch F-2
<PAGE>
                                   SCHEDULE G

                               FINANCIAL COVENANTS

1.     EBITDA.  Borrower shall have cumulative EBITDA, beginning at the start of
       ------
the  quarter  in which the Closing Date occurs, of not less than the amounts set
forth  below:

                    FISCAL QUARTER ENDING    MINIMUM EBITDA
                    October 31, 2006           $15,000,000
                    January 31, 2007           $30,000,000
                    April 30, 2007             $45,000,000
                    July 31, 2007              $60,000,000

2.     Minimum  Tangible  Net  Worth.  Borrower  shall  have  at the end of each
       -----------------------------
Fiscal  Quarter,  Tangible Net Worth of not less than the amount for such Fiscal
Quarter  set  forth  below:

               FISCAL QUARTER ENDING    MINIMUM TANGIBLE NET WORTH
               October 31, 2006                 $1,000,000
               January 31, 2007                $38,000,000
               April 30, 2007                  $40,000,000
               July 31, 2007                   $45,000,000

                                   Sch G-1
<PAGE>
                           DISCLOSURE SCHEDULE  (3.2)

                    CHIEF EXECUTIVE OFFICE & CORPORATE NAMES

Official Name                              Type of Entity (e.g.  corporation,
                                           partnership, limited partnership,
                                           limited liability company)
-------------                              ----------------------------------

Organization Identification
Number Issued by State of Incorporation
or Organization Or Statement that          State of Incorporation or
no such number has been issued             Organization
---------------------------------------   --------------------------

Chief Executive Office                    County/State  [BE SURE TO INCLUDE
                                                          NAMES OF COUNTIES]
----------------------                    ----------------------------------

Locations of Inventory and                County/State  [BE SURE TO INCLUDE
other Collateral                                         NAMES OF OCOUNTIES]
--------------------------                ----------------------------------

[OTHER CORPORATR TRADE NAMES IF ANY]

<PAGE>
                           DISCLOSURE SCHEDULE  (3.6)

                                   REAL ESTATE

        [DESCRIBE ALL REAL PROPERTY OWNED OR LEASED OR USED IN BUSINESS]

Address          Type [OWNED, LEASED, WAREHOUSE]          County
                 ----                                     ------

<PAGE>
                           DISCLOSURE SCHEDULE  (3.7)

                               STOCK & AFFILIATES

             [LIST ALL SUBSIDIARIES, AFFILIATES AND JOINT VENTURES]

Name       Type (subsidiary, affiliate etc.)       Percentage owned by Borrower
----       ----                                    ----------------------------

<PAGE>
                           DISCLOSURE SCHEDULE  (3.9)

                                      TAXES

<PAGE>
                           DISCLOSURE SCHEDULE  (3.11)

                                      ERISA

    [LIST ALL PLANS AND ANY LIABILITIES AND EVENTS DESCRIBED IN   3.11 OF LOAN
                                   AGREEMENT]

<PAGE>
                           DISCLOSURE SCHEDULE  (3.12)

                                   LITIGATION

          [DESCRIBE ALL MATERIAL LITIGATION AND AMOUNT IN CONTROVERSY]

<PAGE>
                           DISCLOSURE SCHEDULE  (3.13)

                              INTELLECTUAL PROPERTY

              [DESCRIBE ALL INTELLECTUAL PROPERTY USED OR LICENSED]

<TABLE>
<CAPTION>
------------------------------------------------------------------------------------------------
                                                     TYPE (TRADEMARK
DESCRIPTION       OWNER       LICENSEE(IF ANY)   PATENT, COPYRIGHT, ETC.)      REGISTRATION #
<S>            <C>         <C>                   <C>                          <C>
-------------  ----------  --------------------  ---------------------------  ------------------

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

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

------------------------------------------------------------------------------------------------
</TABLE>

<PAGE>
                           DISCLOSURE SCHEDULE  (3.15)

                              ENVIRONMENTAL MATTERS

 [DESCRIBE ANY ENVIRONMENTAL MATTERS REFERENCED TO IN   3.16 OF LOAN AGREEMENT]

<PAGE>
                           DISCLOSURE SCHEDULE  (3.16)

                                    INSURANCE

                          [LIST ALL INSURANCE POLICIES]

<TABLE>
<CAPTION>
-------------------------------------------------------------------------------------
     TYPE           INSURED                BENEFICIARY               AMOUNT
-------------  --------------------  -----------------------  -----------------------
<S>            <C>                   <C>                      <C>
-------------  --------------------  -----------------------  -----------------------

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

-------------------------------------------------------------------------------------
</TABLE>

<PAGE>
                           DISCLOSURE SCHEDULE  (4.1)

                               DESIGNATED VENDORS

<PAGE>
                           DISCLOSURE SCHEDULE  (5(B))

                                  INDEBTEDNESS

    [GIVE DETAILED DESCRIPTION OF INDEBTEDNESS EXISTING AS OF CLOSING DATE.]

<PAGE>
                           DISCLOSURE SCHEDULE  (5(E))

                                      LIENS

      [GIVE DETAILED DESCRIPTION OF LIENS EXISTING AS OF THE CLOSING DATE]

<PAGE>
                           DISCLOSURE SCHEDULE  (6.1)

                            ACTIONS TO PERFECT LIENS

UCC  Filings  [LIST  STATE  AND  COUNTY  FILINGS  NECESSARY  TO  PERFECT  LIENS]
------------

Mortgage  Recordings  [IF  ANY]
--------------------

Other  Actions  to  Perfect  Liens  [IF  ANY]
----------------------------------

<PAGE>
                                                                       Exhibit F

                              REVOLVING CREDIT NOTE

$35,000,000                                                     August    , 2006
                                                                       ---
                                                         Ridgefield, Connecticut

     FOR  VALUE  RECEIVED,  CROCHET  & BOREL SERVICES, INC., a Texas corporation
("Borrower"),  HEREBY  PROMISES  TO  PAY  to  the order of NEW STREAM COMMERCIAL
FINANCE, LLC, a Delaware limited liability company ("Lender"), at Lender's chief
executive  office at 38C Grove Street, Ridgefield, Connecticut 06877, or at such
other  place  as  Lender  may  designate from time to time in writing, in lawful
money  of  the  United States of America and in immediately available funds, the
amount  of  THIRTY-FIVE  MILLION DOLLARS AND NO CENTS ($35,000,000) or, if less,
the  aggregate  unpaid  amount  of  all  Revolving  Credit  Advances made to the
Borrower  under  the "Loan Agreement" (as hereinafter defined).  All capitalized
terms  used  but not otherwise defined herein have the meanings given to them in
the  Loan  Agreement  or  in  Annex  A  thereto.

     This  Revolving  Note  (a)  is the Revolving Credit Note issued pursuant to
that  certain  Loan  and  Security  Agreement dated as of the date hereof by and
between  Borrower  and  Lender  (including  all  annexes, exhibits and schedules
thereto,  and  as from time to time amended, restated, supplemented or otherwise
modified, the "Loan Agreement"), and (b) is entitled to the benefit and security
of  the  Loan Agreement and all of the other Loan Documents referred to therein.
Reference  is  hereby  made  to the Loan Agreement for a statement of all of the
terms  and conditions under which the Loans evidenced hereby are made and are to
be  repaid.  The date and amount of each Revolving Credit Advance made by Lender
to  Borrower,  the rates of interest applicable thereto and each payment made on
account  of  the  principal  thereof,  shall be recorded by Lender on its books;
provided  that  the  failure  of  Lender  to make any such recordation shall not
--------  ----
affect  the  obligations  of  Borrower  to make a payment when due of any amount
owing  under  the  Loan  Agreement  or  this  Revolving  Note  in respect of the
Revolving  Credit  Advances  made  by  Lender  to  Borrower.

     The  principal amount of the indebtedness evidenced hereby shall be payable
in  the  amounts  and on the dates specified in the Loan Agreement, the terms of
which  are  hereby  incorporated herein by reference.  Interest thereon shall be
paid  until  such principal amount is paid in full at such interest rates and at
such  times,  and  pursuant  to  such calculations, as are specified in the Loan
Agreement.

     If  any  payment  on  this  Revolving Note becomes due and payable on a day
other  than  a  Business Day, the maturity thereof shall be extended to the next
succeeding  Business  Day  and,  with respect to payments of principal, interest
thereon  shall  be  payable  at  the then applicable rate during such extension.

     Upon  and after the occurrence of any Event of Default, this Revolving Note
may,  as  provided  in  the  Loan Agreement, and without demand, notice or legal
process of any kind, be declared, and immediately shall become, due and payable.

<PAGE>
     Time  is  of  the  essence  of  this  Revolving Note.  Demand, presentment,
protest  and  notice  of  nonpayment  and protest are hereby waived by Borrower.

     Except  as  provided  in the Loan Agreement, this Revolving Note may not be
assigned  by  Lender  to  any  Person.

     THIS  REVOLVING  NOTE SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH
THE  LAWS OF THE STATE OF CONNECTICUT APPLICABLE TO CONTRACTS MADE AND PERFORMED
IN  THAT  STATE.

                                        CROCHET & BOREL SERVICES, INC.

                                        By:
                                           ---------------------------
                                        Name:
                                             -------------------------
                                        Title:
                                              ------------------------

                                        2PLEDGE AGREEMENT

     This  PLEDGE  AGREEMENT,  dated  as  of  August 28, 2006 (together with all
amendments,  if  any, from time to time hereto, this "Agreement") between CHARYS
HOLDING  COMPANY,  INC.,  a  Delaware corporation (the "Pledgor") and NEW STREAM
COMMERCIAL  FINANCE,  LLC,  a  Delaware  limited  liability  company ("Lender").

                              W I T N E S S E T H:

     WHEREAS,  as  of  the  date  hereof,  AYIN  HOLDING COMPANY, a wholly owned
subsidiary  of  Pledgor,  is  indebted  to  CROCHET  &  BOREL  SERVICES,  INC.
("Borrower"),  in  the  principal  amount of $6,350,000 (the "Ayin Loan"), which
Ayin Loan is evidenced by that certain Promissory Note dated July 7, 2006 in the
original  principal  amount of $6,350,000 executed and delivered by Ayin Holding
Company  in  favor  of  Borrower  (the  "Ayin  Note");

     WHEREAS,  pursuant  to that certain Loan and Security Agreement dated as of
August  28,  2006  by  and  between  Borrower and Lender (including all annexes,
exhibits  and  schedules  thereto,  and  as from time to time amended, restated,
supplemented  or otherwise modified (the "Loan Agreement") the Lender has agreed
to  make  Loans  to  Borrower;

     WHEREAS,  as  security  for  the  Borrower's  Obligations  under  the  Loan
Agreement,  Borrower  has  pledged, among other assets, all of its rights, title
and  interest  in  and  to  the  Ayin  Note  to  Lender;

     WHEREAS,  Pledgor is the record and beneficial owner of the shares of Stock
listed  in  Schedule  I  hereto;

     WHEREAS,  Pledgor  owns  all of the issued and outstanding capital stock of
Borrower  and  benefits  from  the  credit facilities made available to Borrower
under  the  Loan  Agreement;

     WHEREAS,  in  order  to induce Lender to continue to make Loans as provided
for  in  the Loan Agreement, Pledgor has agreed to pledge the Pledged Collateral
to  Lender  in  accordance  herewith;

     NOW,  THEREFORE,  in  consideration  of  the  premises  and  the  covenants
hereinafter  contained  and  to  induce  Lender  to  make  Loans  under the Loan
Agreement,  it  is  agreed  as  follows:

1.   DEFINITIONS.  Unless  otherwise defined herein, terms defined in the Loan
Agreement  are  used  herein  as  therein  defined, and the following shall have
(unless otherwise provided elsewhere in this Agreement) the following respective
meanings (such meanings being equally applicable to both the singular and plural
form  of  the  terms  defined):

     "Bankruptcy  Code" means title 11, United States Code, as amended from time
to  time,  and  any  successor  statute  thereto.

     "Event  of  Default"  means:

<PAGE>
     (a)     Ayin  shall  fail  to  make any payment in respect of the Ayin Note
when  due  and  payable  or  declared  due  and  payable (and such failure shall
continue  for  a  period  of five (5) Business Days with respect to interest and
fees);  or

     (b)     a  case  or  proceeding  shall  have  been  commenced involuntarily
against  Borrower,  Pledgor  or  Ayin  in  a court having competent jurisdiction
seeking  a  decree  or order: (i) under the United States Bankruptcy Code or any
other  applicable Federal, state or foreign bankruptcy or other similar law, and
seeking  either  (A)  the  appointment  of  a  custodian,  receiver, liquidator,
assignee,  trustee  or  sequestrator (or similar official) for such Person or of
any  substantial part of its properties, (B) or the reorganization or winding up
or  liquidation  of  the affairs of any such Person, and such case or proceeding
shall  remain  undismissed  or  unstayed for sixty (60) consecutive days or such
court  shall  enter a decree or order granting the relief sought in such case or
proceeding;  or  (ii)  invalidating  or  denying  any  Person's right, power, or
competence  to  enter  into  or  perform  any  of  its  obligations hereunder or
invalidating  or denying the validity or enforceability of this Agreement or any
action  taken  hereunder  or  thereunder;  or

     (c)     Borrower,  Pledgor  or Ayin shall (i) commence any case, proceeding
or  other  action under any existing or future law of any jurisdiction, domestic
or  foreign, relating to bankruptcy, insolvency, reorganization, conservatorship
or  relief  of debtors, seeking to have an order for relief entered with respect
to  it  or  seeking  appointment of a custodian, receiver, liquidator, assignee,
trustee  or sequestrator (or similar official) for it or any substantial part of
its  properties,  (ii)  make  a general assignment for the benefit of creditors,
(iii)  consent  to  or  take  any  action  in furtherance of, or, indicating its
consent  to,  approval  of,  or  acquiescence  in,  any of the acts set forth in
paragraphs  (b)  or  (c)  of  this  definition  or  clauses (i) and (ii) of this
paragraph  (c),  or  (iv)  shall  admit in writing its inability to, or shall be
generally  unable  to,  pay  its  debts  as  such  debts  become  due.

     "Pledged  Collateral"  has  the  meaning assigned to such term in Section 2
hereof.

     "Pledged  Entity"  means  an  issuer  of  Pledged  Shares.

     "Pledged  Shares"  means  those  shares  listed  on  Schedule  I  hereto.

     "Secured  Obligations"  has  the meaning assigned to such term in Section 3
hereof.

2.   PLEDGE.  Pledgor  hereby  pledges to Lender, and grants to Lender a first
priority  security  interest in all of the following (collectively, the "Pledged
Collateral"):

     (a)     the  Pledged  Shares  and the certificates representing the Pledged
Shares,  and  all dividends, distributions, cash, instruments and other property
or  proceeds  from time to time received, receivable or otherwise distributed in
respect  of  or  in  exchange  for  any  or  all  of  the  Pledged  Shares;  and

     (b)     such  portion,  as determined by Lender as provided in Section 6(d)
below,  of  any additional shares of stock of a Pledged Entity from time to time
acquired  by  Pledgor  in any manner (which shares shall be deemed to be part of
the  Pledged  Shares), and the certificates representing such additional shares,
and  all  dividends,  distributions,  cash,  instruments  and  other property or
proceeds  from  time  to  time  received, receivable or otherwise distributed in
respect  of  or  in  exchange

<PAGE>
for  any  or  all  of  such  Stock.

3.   SECURITY  FOR  OBLIGATIONS.  This  Agreement  secures,  and  the  Pledged
Collateral  is  security  for,  the  prompt payment in full when due, whether at
stated  maturity,  by  acceleration  or  otherwise,  and  performance  of  all
obligations  of  any  kind  under  or  in  connection with the Ayin Note and all
obligations  of Pledgor now or hereafter existing thereunder, including, without
limitation,  all  fees, costs and expenses whether in connection with collection
actions  hereunder  or  otherwise  (collectively,  the  "Secured  Obligations").

4.   DELIVERY  OF  PLEDGED  COLLATERAL.  All  certificates  and all promissory
notes  and  instruments  evidencing the Pledged Collateral shall be delivered to
and held by or on behalf of Lender pursuant hereto.  All Pledged Shares shall be
accompanied by duly executed instruments of transfer or assignment in blank, all
in  form  and  substance  satisfactory  to  Lender.

5.   REPRESENTATIONS  AND  WARRANTIES.  Pledgor  represents  and  warrants  to
Lender  that:

     (a)     Pledgor  is,  and  at the time of delivery of the Pledged Shares to
Lender  will be, the sole holder of record and the sole beneficial owner of such
Pledged  Collateral  pledged  by  Pledgor  free and clear of any Lien thereon or
affecting  the  title  thereto,  except  for any Lien created by this Agreement;

     (b)     All of the Pledged Shares have been duly authorized, validly issued
and  are  fully  paid  and  non-assessable;

     (c)     Pledgor  has  the  right and requisite authority to pledge, assign,
transfer,  deliver,  deposit  and  set  over  the  Pledged Collateral pledged by
Pledgor  to  Lender  as  provided  herein;

     (d)     The Pledged Shares have not been issued or transferred in violation
of  the  securities  registration,  securities disclosure or similar laws of any
jurisdiction  to  which  such  issuance  or  transfer  may  be  subject;

     (e)     All  of  the Pledged Shares are presently owned by Pledgor, and are
presently represented by the certificates listed on Part A of Schedule I hereto.
As  of  the  date  hereof,  there  are  no  existing options, warrants, calls or
commitments  of  any  character  whatsoever  relating  to  the  Pledged  Shares;

     (f)     No  consent, approval, authorization or other order or other action
by,  and  no  notice  to or filing with, any Governmental Authority or any other
Person  is  required  (i)  for  the  pledge by Pledgor of the Pledged Collateral
pursuant to this Agreement or for the execution, delivery or performance of this
Agreement  by Pledgor, or (ii) for the exercise by Lender of the voting or other
rights  provided for in this Agreement or the remedies in respect of the Pledged
Collateral  pursuant  to this Agreement, except as may be required in connection
with  such  disposition  by  laws  affecting the offering and sale of securities
generally;

     (g)     The  pledge,  assignment  and  delivery  of  the Pledged Collateral
pursuant  to  this  Agreement  will  create a valid first priority Lien on and a
first priority perfected security interest in favor of the Lender in the Pledged
Collateral  and  the  proceeds  thereof,  securing  the  payment  of  the

<PAGE>
Secured  Obligations,  subject  to  no  other  Lien;

     (h)     This  Agreement has been duly authorized, executed and delivered by
Pledgor  and  constitutes  a  legal,  valid  and  binding  obligation of Pledgor
enforceable  against  Pledgor  in  accordance  with  its  terms;  and

     (i)     The  Pledged  Shares  constitute 100% of the issued and outstanding
shares  of  Stock  of  each  Pledged  Entity.

     The  representations  and  warranties  set  forth  in  this Section 5 shall
survive  the  execution  and  delivery  of  this  Agreement.

6.   COVENANTS.  PLEDGOR COVENANTS and agrees that until the Termination Date:

     (a)     Without the prior written consent of Lender, Pledgor will not sell,
assign,  transfer,  pledge, or otherwise encumber any of its rights in or to the
Pledged  Collateral, or any unpaid dividends, interest or other distributions or
payments  with  respect to the Pledged Collateral or grant a Lien in the Pledged
Collateral,  unless  otherwise  expressly  permitted  by  the  Loan  Agreement;

     (b)     Pledgor  will,  at  its  expense, promptly execute, acknowledge and
deliver  all  such  instruments and take all such actions as Lender from time to
time  may  request in order to ensure to Lender the benefits of the Liens in and
to  the  Pledged  Collateral intended to be created by this Agreement, including
the  filing  of  any  necessary Code financing statements, which may be filed by
Lender  with  or  (to  the  extent  permitted  by  law) without the signature of
Pledgor,  and will cooperate with Lender, at Pledgor's expense, in obtaining all
necessary approvals and making all necessary filings under federal, state, local
or  foreign  law  in  connection  with such Liens or any sale or transfer of the
Pledged  Collateral;

     (c)     Pledgor has and will defend the title to the Pledged Collateral and
the  Liens  of  Lender in the Pledged Collateral against the claim of any Person
and  will  maintain  and  preserve  such  Liens;  and

     (d)     Pledgor  will,  upon obtaining ownership of any additional Stock or
promissory notes or instruments of a Pledged Entity or Stock or promissory notes
or instruments otherwise required to be pledged to Lender pursuant to any of the
Loan  Documents,  which  Stock,  notes  or  instruments  are not already Pledged
Collateral,  promptly  (and in any event within three (3) Business Days) deliver
to  Lender  a  Pledge  Amendment, duly executed by Pledgor, in substantially the
form  of  Schedule  II  hereto  (a  "Pledge  Amendment")  in respect of any such
                                     -----------------
additional  Stock,  notes or instruments, pursuant to which Pledgor shall pledge
to  Lender  all of such additional Stock, notes and instruments.  Pledgor hereby
authorizes  Lender  to attach each Pledge Amendment to this Agreement and agrees
that all Pledged Shares listed on any Pledge Amendment delivered to Lender shall
for  all  purposes  hereunder  be  considered  Pledged  Collateral.

7.   PLEDGOR'S RIGHTS.  As long as no Event of Default shall have occurred and
be  continuing  and until written notice shall be given to Pledgor in accordance
with  Section  8(a)  hereof:

     (a)     Pledgor  shall  have the right, from time to time, to vote and give
consents  with  respect

<PAGE>
to the Pledged Collateral, or any part thereof for all purposes not inconsistent
with  the  provisions  of  this  Agreement, the Loan Agreement or any other Loan
Document; provided, however, that no vote shall be cast, and no consent shall be
given  or action taken, which would have the effect of impairing the position or
interest  of  Lender  in  respect  of  the  Pledged  Collateral  or  which would
authorize, effect or consent to (unless and to the extent expressly permitted by
the  Loan  Agreement):

          (i)     the  dissolution  or  liquidation,  in  whole or in part, of a
Pledged  Entity;

          (ii)    the  consolidation  or  merger  of  a Pledged Entity with any
other  Person;

          (iii)   the sale, disposition or encumbrance of all or substantially
all  of  the  assets  of  a Pledged Entity, except for Liens in favor of Lender;

          (iv)    any  change  in  the  authorized number of shares, the stated
capital  or  the authorized share capital of a Pledged Entity or the issuance of
any  additional  shares  of  its  Stock;  or

          (v)     the  alteration of the voting rights with respect to the Stock
of  a  Pledged  Entity;  and

     (b)     except  as  expressly  permitted  under  the  Loan  Agreement,  all
dividends,  payments  and interest and all other distributions in respect of any
of  the  Pledged  Shares, whenever paid or made, shall be delivered to Lender to
hold  as  Pledged  Collateral  and shall, if received by Pledgor, be received in
trust  for the benefit of Lender, be segregated from the other property or funds
of  Pledgor,  and  be forthwith delivered to Lender as Pledged Collateral in the
same  form  as  so  received  (with  any  necessary  endorsement).

8.     DEFAULTS  AND  REMEDIES;  PROXY.

     (a)     Upon  the  occurrence  of  an  Event  of  Default  and  during  the
continuation  of  such Event of Default, and concurrently with written notice to
Pledgor,  Lender  (personally  or  through  an  agent)  is hereby authorized and
empowered to transfer and register in its name or in the name of its nominee the
whole  or  any  part  of  the  Pledged  Collateral,  to exchange certificates or
instruments  representing  or  evidencing Pledged Collateral for certificates or
instruments  of  smaller or larger denominations, to exercise the voting and all
other  rights  as a holder with respect thereto, to collect and receive all cash
dividends,  interest, principal and other distributions made thereon, to sell in
one  or  more  sales  after  ten  (10) days' notice of the time and place of any
public  sale  or  of  the  time  at which a private sale is to take place (which
notice  Pledgor  agrees is commercially reasonable) the whole or any part of the
Pledged  Collateral  and to otherwise act with respect to the Pledged Collateral
as  though  Lender  was the outright owner thereof.  Any sale shall be made at a
public  or  private  sale  at  Lender's place of business, or at any place to be
named  in  the  notice  of  sale,  either  for cash or upon credit or for future
delivery  at such price as Lender may deem fair, and Lender may be the purchaser
of  the  whole  or  any part of the Pledged Collateral so sold and hold the same
thereafter  in  its  own  right  free  from any claim of Pledgor or any right of
redemption.  Each  sale shall be made to the highest bidder, but Lender reserves
the  right  to reject any and all bids at such sale which, in its discretion, it
shall  deem  inadequate.  Demands  of  performance,  except  as otherwise herein
specifically  provided  for, notices of sale, advertisements and the presence of
property  at  sale  are  hereby  waived  and  any  sale  hereunder

<PAGE>
may  be  conducted  by an auctioneer or any officer or agent of Lender.  PLEDGOR
HEREBY  IRREVOCABLY CONSTITUTES AND APPOINTS LENDER AS THE PROXY AND ATTORNEY IN
FACT  OF  PLEDGOR WITH RESPECT TO THE PLEDGED COLLATERAL, INCLUDING THE RIGHT TO
VOTE  THE  PLEDGED  SHARES,  WITH  FULL  POWER  OF  SUBSTITUTION  TO DO SO.  THE
APPOINTMENT  OF LENDER AS PROXY AND ATTORNEY IN FACT IS COUPLED WITH AN INTEREST
AND  SHALL  BE IRREVOCABLE UNTIL THE TERMINATION DATE.  IN ADDITION TO THE RIGHT
TO  VOTE  THE PLEDGED SHARES, THE APPOINTMENT OF LENDER AS PROXY AND ATTORNEY IN
FACT  SHALL  INCLUDE  THE RIGHT TO EXERCISE ALL OTHER RIGHTS, POWERS, PRIVILEGES
AND  REMEDIES  TO  WHICH  A  HOLDER  OF  THE  PLEDGED  SHARES  WOULD BE ENTITLED
(INCLUDING  GIVING  OR  WITHHOLDING  WRITTEN  CONSENTS  OF SHAREHOLDERS, CALLING
SPECIAL  MEETINGS OF SHAREHOLDERS AND VOTING AT SUCH MEETINGS). SUCH PROXY SHALL
BE  EFFECTIVE,  AUTOMATICALLY AND WITHOUT THE NECESSITY OF ANY ACTION (INCLUDING
ANY TRANSFER OF ANY PLEDGED SHARES ON THE RECORD BOOKS OF THE ISSUER THEREOF) BY
ANY  PERSON  (INCLUDING THE ISSUER OF THE PLEDGED SHARES OR ANY OFFICER OR AGENT
THEREOF),  UPON  THE  OCCURRENCE  OF  AN  EVENT OF DEFAULT.  NOTWITHSTANDING THE
FOREGOING,  LENDER  SHALL  NOT  HAVE  ANY  DUTY TO EXERCISE ANY SUCH RIGHT OR TO
PRESERVE  THE  SAME  AND SHALL NOT BE LIABLE FOR ANY FAILURE TO DO SO OR FOR ANY
DELAY  IN  DOING  SO.

     (b)     If,  at  the  original  time or times appointed for the sale of the
whole  or  any  part of the Pledged Collateral, the highest bid, if there be but
one  sale, shall be inadequate to discharge in full all the Secured Obligations,
or  if  the  Pledged  Collateral  be offered for sale in lots, if at any of such
sales, the highest bid for the lot offered for sale would indicate to Lender, in
its  discretion,  that  the  proceeds  of  the sales of the whole of the Pledged
Collateral  would  be  unlikely  to  be  sufficient to discharge all the Secured
Obligations,  Lender  may,  on  one  or  more  occasions  and in its discretion,
postpone  any  of  said  sales by public announcement at the time of sale or the
time  of previous postponement of sale, and no other notice of such postponement
or  postponements  of  sale need be given, any other notice being hereby waived;
provided,  however, that any sale or sales made after such postponement shall be
after  ten  (10)  days'  notice  to  Pledgor.

     (c)     If,  at  any  time  when  Lender in its sole discretion determines,
following  the  occurrence  and  during  the continuance of an Event of Default,
that, in connection with any actual or contemplated exercise of its rights (when
permitted  under  this  Section  8) to sell the whole or any part of the Pledged
Shares  hereunder,  it is necessary or advisable to effect a public registration
of all or part of the Pledged Collateral pursuant to the Securities Act of 1933,
as  amended  (or any similar statute then in effect) (the "Act"), Pledgor shall,
in  an  expeditious  manner,  cause  the  Pledged  Entities  to:

          (i)     Prepare  and  file with the Securities and Exchange Commission
(the  "Commission")  a registration statement with respect to the Pledged Shares
and in good faith use commercially reasonable efforts to cause such registration
statement  to  become  and  remain  effective;

          (ii)    Prepare  and  file  with  the  Commission such amendments and
supplements to such registration statement and the prospectus used in connection
therewith  as  may  be  necessary  to

<PAGE>
keep  such registration statement effective and to comply with the provisions of
the  Act  with  respect  to  the sale or other disposition of the Pledged Shares
covered  by  such registration statement whenever Lender shall desire to sell or
otherwise  dispose  of  the  Pledged  Shares;

          (iii)   Furnish to Lender such numbers of copies of a prospectus and
a  preliminary  prospectus,  in conformity with the requirements of the Act, and
such  other  documents  as  Lender may request in order to facilitate the public
sale  or  other  disposition  of  the  Pledged  Shares  by  Lender;

          (iv)    Use  commercially  reasonable  efforts to register or qualify
the  Pledged  Shares  covered  by  such  registration statement under such other
securities  or  blue sky laws of such jurisdictions within the United States and
Puerto  Rico  as  Lender  shall  request,  and do such other reasonable acts and
things  as  may be required of it to enable Lender to consummate the public sale
or  other  disposition  in  such  jurisdictions of the Pledged Shares by Lender;

          (v)     Furnish,  at the request of Lender, on the date that shares of
the  Pledged  Collateral  are delivered to the underwriters for sale pursuant to
such registration or, if the security is not being sold through underwriters, on
the  date  that  the  registration statement with respect to such Pledged Shares
becomes  effective,  (A) an opinion, dated such date, of the independent counsel
representing such registrant for the purposes of such registration, addressed to
the underwriters, if any, and in the event the Pledged Shares are not being sold
through  underwriters, then to Lender, in customary form and covering matters of
the type customarily covered in such legal opinions; and a comfort letter, dated
such date, from the independent certified public accountants of such registrant,
addressed  to  the underwriters, if any, and in the event the Pledged Shares are
not  being  sold  through  underwriters, then to Lender, in a customary form and
covering  matters of the type customarily covered by such comfort letters and as
the  underwriters  or  Lender  shall  reasonably request. The opinion of counsel
referred to above shall additionally cover such other legal matters with respect
to  the  registration  in respect of which such opinion is being given as Lender
may  reasonably  request.  The  letter  referred  to  above from the independent
certified  public  accountants  shall  additionally  cover  such other financial
matters  (including  information  as to the period ending not more than five (5)
Business Days prior to the date of such letter) with respect to the registration
in respect of which such letter is being given as Lender may reasonably request;
and

          (vi)    Otherwise  use commercially reasonable efforts to comply with
all  applicable  rules  and regulations of the Commission, and make available to
its  security  holders,  as soon as reasonably practicable but not later than 18
months  after  the  effective  date  of  the registration statement, an earnings
statement  covering  the  period  of at least 12 months beginning with the first
full  month  after  the  effective  date  of  such registration statement, which
earnings  statement  shall  satisfy  the provisions of Section 11(a) of the Act.

     (d)     All  expenses  incurred  in  complying  with  Section  8(c) hereof,
including,  without  limitation, all registration and filing fees (including all
expenses incident to filing with the National Association of Securities Dealers,
Inc.),  printing expenses, fees and disbursements of counsel for the registrant,
the  fees  and  expenses  of  counsel  for  Lender,  expenses of the independent
certified  public  accountants  (including  any  special  audits  incident to or
required by any such registration) and expenses of complying with the securities
or  blue  sky  laws  or  any  jurisdictions,  shall  be  paid  by  Pledgor.

<PAGE>
     (e)     If,  at  any time when Lender shall determine to exercise its right
to  sell the whole or any part of the Pledged Collateral hereunder, such Pledged
Collateral  or the part thereof to be sold shall not, for any reason whatsoever,
be  effectively  registered under the Securities Act of 1933, as amended (or any
similar  statute  then  in  effect)  (the  "Act")/the  Act,  Lender  may, in its
discretion  (subject  only to applicable requirements of law), sell such Pledged
Collateral  or  part  thereof  by  private  sale  in  such manner and under such
circumstances  as  Lender  may  deem  necessary or advisable, but subject to the
other  requirements  of this Section 8, and shall not be required to effect such
registration  or  to  cause  the  same  to  be  effected.  Without  limiting the
generality  of  the  foregoing,  in any such event, Lender in its discretion (i)
may, in accordance with applicable securities laws, proceed to make such private
sale  notwithstanding  that  a  registration  statement  for  the  purpose  of
registering  such Pledged Collateral or part thereof could be or shall have been
filed  under said Act (or similar statute), (ii) may approach and negotiate with
a  single  possible  purchaser  to effect such sale, and (iii) may restrict such
sale  to  a  purchaser  who is an accredited investor under the Act and who will
represent  and  agree that such purchaser is purchasing for its own account, for
investment  and  not  with  a  view  to the distribution or sale of such Pledged
Collateral  or any part thereof. In addition to a private sale as provided above
in  this  Section  8,  if  any  of  the  Pledged  Collateral shall not be freely
distributable  to  the  public  without  registration  under the Act (or similar
statute)  at  the  time  of  any  proposed sale pursuant to this Section 8, then
Lender shall not be required to effect such registration or cause the same to be
effected  but,  in  its  discretion  (subject only to applicable requirements of
law),  may  require  that  any  sale  hereunder (including a sale at auction) be
conducted  subject  to  restrictions:

               (A)     as  to  the  financial  sophistication and ability of any
Person  permitted  to  bid  or  purchase  at  any  such  sale;

               (B)     as  to  the  content  of  legends  to  be placed upon any
certificates  representing  the  Pledged Collateral sold in such sale, including
restrictions  on  future  transfer  thereof;

               (C)     as  to  the  representations  required to be made by each
Person  bidding  or  purchasing at such sale relating to that Person's access to
financial  information  about  Pledgor  and  such  Person's intentions as to the
holding of the Pledged Collateral so sold for investment for its own account and
not  with  a  view  to  the  distribution  thereof;  and

               (D)     as  to  such  other  matters  as  Lender  may,  in  its
discretion,  deem  necessary  or  appropriate  in  order  that  such  sale
(notwithstanding  any failure so to register) may be effected in compliance with
the  Bankruptcy  Code  and  other  laws  affecting the enforcement of creditors'
rights  and  the  Act  and  all  applicable  state  securities  laws.

     (f)     Pledgor  recognizes  that  Lender  may be unable to effect a public
sale  of any or all the Pledged Collateral and may be compelled to resort to one
or more private sales thereof in accordance with clause (e) above.  Pledgor also
acknowledges  that  any  such  private sale may result in prices and other terms
less  favorable  to  the  seller  than  if  such  sale  were  a public sale and,
notwithstanding  such circumstances, agrees that any such private sale shall not
be  deemed  to  have  been  made in a commercially unreasonable manner solely by
virtue of such sale being private.  Lender shall be under no obligation to delay
a  sale  of  any  of  the Pledged Collateral for the period of time necessary to
permit  the Pledged Entity to register such securities for public sale under the
Act,  or  under  applicable

<PAGE>
state  securities laws, even if Pledgor and the Pledged Entity would agree to do
so.

     (g)     Pledgor  agrees  to  the maximum extent permitted by applicable law
that  following the occurrence and during the continuance of an Event of Default
it  will  not  at  any  time  plead, claim or take the benefit of any appraisal,
valuation,  stay,  extension,  moratorium  or redemption law now or hereafter in
force  in  order  to  prevent or delay the enforcement of this Agreement, or the
absolute  sale  of  the  whole  or  any  part  of  the Pledged Collateral or the
possession  thereof  by  any purchaser at any sale hereunder, and Pledgor waives
the  benefit  of  all  such  laws  to the extent it lawfully may do so.  Pledgor
agrees  that  it  will  not interfere with any right, power and remedy of Lender
provided  for in this Agreement or now or hereafter existing at law or in equity
or  by  statute  or  otherwise,  or the exercise or beginning of the exercise by
Lender  of  any  one  or more of such rights, powers or remedies.  No failure or
delay  on  the part of Lender to exercise any such right, power or remedy and no
notice  or  demand  which  may  be  given to or made upon Pledgor by Lender with
respect  to  any  such  remedies  shall operate as a waiver thereof, or limit or
impair  Lender's  right  to  take  any action or to exercise any power or remedy
hereunder,  without notice or demand, or prejudice its rights as against Pledgor
in  any  respect.

     (h)     Pledgor  further  agrees  that  a  breach  of  any of the covenants
contained in this Section 8 will cause irreparable injury to Lender, that Lender
shall  have  no  adequate  remedy  at  law  in  respect of such breach and, as a
consequence,  agrees  that  each  and every covenant contained in this Section 8
shall be specifically enforceable against Pledgor, and Pledgor hereby waives and
agrees  not to assert any defenses against an action for specific performance of
such  covenants  except  for a defense that the Secured Obligations are not then
due  and payable in accordance with the agreements and instruments governing and
evidencing  such  obligations.

9.   WAIVER.  No delay on Lender's part in exercising any power of sale, Lien,
option  or  other right hereunder, and no notice or demand which may be given to
or  made  upon Pledgor by Lender with respect to any power of sale, Lien, option
or  other right hereunder, shall constitute a waiver thereof, or limit or impair
Lender's  right  to  take  any  action  or  to exercise any power of sale, Lien,
option,  or  any  other  right hereunder, without notice or demand, or prejudice
Lender's  rights  as  against  Pledgor  in  any  respect.

10.   ASSIGNMENT.  Lender  may  assign,  indorse  or  transfer  any instrument
evidencing  all  or  any  part of the Secured Obligations as provided in, and in
accordance  with, the Loan Agreement, and the holder of such instrument shall be
entitled  to  the  benefits  of  this  Agreement.

11.   TERMINATION.  Immediately  following  the Termination Date, Lender shall
deliver to Pledgor the Pledged Collateral pledged by Pledgor at the time subject
to  this  Agreement  and  all  instruments  of assignment executed in connection
therewith,  free and clear of the Liens hereof and, except as otherwise provided
herein,  all  of  Pledgor's  obligations hereunder shall at such time terminate.

12.   LIEN  ABSOLUTE.  All  rights of Lender hereunder, and all obligations of
Pledgor  hereunder,  shall  be  absolute  and  unconditional  irrespective  of:

     (a)     any  lack  of validity or enforceability of the Loan Agreement, any
other Loan Document or any other agreement or instrument governing or evidencing
any  Secured  Obligations;

<PAGE>
     (b)     any  change  in  the time, manner or place of payment of, or in any
other  term  of,  all  or  any  part  of  the  Secured Obligations, or any other
amendment  or waiver of or any consent to any departure from the Loan Agreement,
any  other  Loan  Document  or  any  other  agreement or instrument governing or
evidencing  any  Secured  Obligations;

     (c)     any exchange, release or n n perfection of any other Collateral, or
any release or amendment or waiver of or consent to departure from any guaranty,
for  all  or  any  of  the  Secured  Obligations;

     (d)     the  insolvency  of  any  Credit  Party;  or

     (e)     any  other  circumstance which might otherwise constitute a defense
available  to,  or  a  discharge  of,  Pledgor.

13.   RELEASE.  Pledgor  consents  and  agrees that Lender may at any time, or
from  time  to  time,  in  its  discretion:

     (a)     renew,  extend  or  change  the time of payment, and/or the manner,
place  or  terms  of  payment of all or any part of the Secured Obligations; and

     (b)     exchange,  release  and/or  surrender  all or any of the Collateral
(including  the  Pledged  Collateral),  or  any  part  thereof,  by  whomsoever
deposited,  which  is  now or may hereafter be held by Lender in connection with
all or any of the Secured Obligations; all in such manner and upon such terms as
Lender may deem proper, and without notice to or further assent from Pledgor, it
being  hereby agreed that Pledgor shall be and remain bound upon this Agreement,
irrespective  of  the  value  or  condition  of  any  of  the  Collateral,  and
notwithstanding  any  such  change, exchange, settlement, compromise, surrender,
release,  renewal  or  extension,  and  notwithstanding  also  that  the Secured
Obligations  may, at any time, exceed the aggregate principal amount thereof set
forth  in  the  Loan  Agreement,  or  any  other agreement governing any Secured
Obligations.  Pledgor  hereby waives notice of acceptance of this Agreement, and
also  presentment,  demand, protest and notice of dishonor of any and all of the
Secured  Obligations, and promptness in commencing suit against any party hereto
or  liable  hereon, and in giving any notice to or of making any claim or demand
hereunder  upon  Pledgor.  No act or omission of any kind on Lender's part shall
in  any  event  affect  or  impair  this  Agreement.

14.   REINSTATEMENT.  This Agreement shall remain in full force and effect and
continue  to  be effective should any petition be filed by or against Pledgor or
any  Pledged  Entity  for  liquidation  or reorganization, should Pledgor or any
Pledged  Entity  become  insolvent  or  make  an  assignment  for the benefit of
creditors  or  should  a  receiver  or  trustee  be  appointed  for  all  or any
significant  part  of Pledgor's or a Pledged Entity's assets, and shall continue
to be effective or be reinstated, as the case may be, if at any time payment and
performance  of  the  Secured  Obligations, or any part thereof, is, pursuant to
applicable law, rescinded or reduced in amount, or must otherwise be restored or
returned  by  any  obligee  of  the  Secured Obligations, whether as a "voidable
preference",  "fraudulent  conveyance", or otherwise, all as though such payment
or  performance  had  not been made.  In the event that any payment, or any part
thereof,  is  rescinded,  reduced, restored or returned, the Secured

<PAGE>
Obligations  shall be reinstated and deemed reduced only by such amount paid and
not  so  rescinded,  reduced,  restored  or  returned.

15.   MISCELLANEOUS.

     (a)     Lender  may  execute  any  of  its  duties
hereunder  by  or through agents or employees and shall be entitled to advice of
counsel  concerning  all  matters  pertaining  to  its  duties  hereunder.

     (b)     Pledgor  agrees  to  promptly  reimburse  Lender  for actual out of
pocket  expenses,  including,  without  limitation,  reasonable  counsel  fees,
incurred by Lender in connection with the administration and enforcement of this
Agreement.

     (c)     Neither  Lender,  nor  any  of  its respective officers, directors,
employees,  agents  or  counsel shall be liable for any action lawfully taken or
omitted  to  be  taken by it or them hereunder or in connection herewith, except
for  its  or  their  own  gross  negligence  or  willful  misconduct  as finally
determined  by  a  court  of  competent  jurisdiction.

     (d)     THIS AGREEMENT SHALL BE BINDING UPON PLEDGOR AND ITS SUCCESSORS AND
ASSIGNS (INCLUDING A DEBTOR IN POSSESSION ON BEHALF OF PLEDGOR), AND SHALL INURE
TO THE BENEFIT OF, AND BE ENFORCEABLE BY, LENDER AND ITS SUCCESSORS AND ASSIGNS,
AND  SHALL  BE  GOVERNED  BY, AND CONSTRUED AND ENFORCED IN ACCORDANCE WITH, THE
LAWS  OF  THE STATE OF CONNECTICUT APPLICABLE TO CONTRACTS MADE AND PERFORMED IN
THAT STATE, AND NONE OF THE TERMS OR PROVISIONS OF THIS AGREEMENT MAY BE WAIVED,
ALTERED,  MODIFIED OR AMENDED EXCEPT IN WRITING DULY SIGNED FOR AND ON BEHALF OF
LENDER  AND  PLEDGOR.

16.   SEVERABILITY.  If  for any reason any provision or provisions hereof are
determined  to  be  invalid  and  contrary  to  any existing or future law, such
invalidity  shall  not  impair the operation of or effect those portions of this
Agreement  which  are  valid.

17.   Notices.  Except  as  otherwise provided herein, whenever it is provided
herein that any notice, demand, request, consent, approval, declaration or other
communication  shall or may be given to or served upon any of the parties by any
other  party,  or  whenever any of the parties desires to give or serve upon any
other  a communication with respect to this Agreement, each such notice, demand,
request,  consent,  approval,  declaration  or  other  communication shall be in
writing  and  either  shall  be  delivered  in  person  or sent by registered or
certified  mail,  return  receipt  requested, with proper postage prepaid, or by
facsimile  transmission and confirmed by delivery of a copy by personal delivery
or  United  States  Mail  as  otherwise  provided  herein:

<PAGE>
                    If to Lender, at:

                    NEW STREAM COMMERCIAL FINANCE, LLC
                    38C Grove Street
                    Ridgefield, Connecticut 06877
                    Attention:   William Steward
                    Fax No.:     (203) 702-5377

                    If to Pledgor, at:

                    CHARYS HOLDING COMPANY, INC.

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

                    --------------------
                    Attention:
                                   ----------
                    Fax No.:
                                   ----------

or  at  such  other  address  as  may  be  substituted by notice given as herein
provided.  The  giving of any notice required hereunder may be waived in writing
by  the  party  entitled  to receive such notice. Every notice, demand, request,
consent,  approval, declaration or other communication hereunder shall be deemed
to  have  been  duly  served,  given or delivered (i) upon the earlier of actual
receipt  and  three  (3)  Business Days after deposit in the United States Mail,
registered  or  certified  mail,  return  receipt requested, with proper postage
prepaid,  (ii)  upon  transmission,  when  sent  by  telecopy  or  other similar
facsimile  transmission  (with  such telecopy or facsimile promptly confirmed by
delivery  of  a  copy  by  personal  delivery or United States Mail as otherwise
provided  in  this  Section  17, (iii) one (1) Business Day after deposit with a
reputable overnight courier with all charges prepaid, or (iv) when delivered, if
hand  delivered  by  messenger.  Failure  or  delay  in delivering copies of any
notice,  demand,  request, consent, approval, declaration or other communication
to  the  persons  designated  above  to receive copies shall in no way adversely
affect  the  effectiveness  of  such notice, demand, request, consent, approval,
declaration  or  other  communication.

18.   SECTION  TITLES.  The Section titles contained in this Agreement are and
shall  be  without substantive meaning or content of any kind whatsoever and are
not  a  part  of  the  agreement  between  the  parties  hereto.

19.   COUNTERPARTS.  This  Agreement  may  be  executed  in  any  number  of
counterparts,  which  shall,  collectively  and  separately,  constitute  one
agreement.

20.   BENEFIT  OF  LENDER.  All  security  interests  granted  or contemplated
hereby shall be for the benefit of Lender, and all proceeds or payments realized
from  the  Pledged  Collateral  in  accordance  herewith shall be applied to the
Obligations  in  accordance  with  the  terms  of  the  Loan  Agreement.

                            [SIGNATURE PAGE FOLLOWS]

<PAGE>
     IN  WITNESS  WHEREOF,  the  parties hereto have caused this Agreement to be
duly  executed  as  of  the  date  first  written  above.

                                        CHARYS HOLDING COMPANY, INC.

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

                                        Title:
                                               -------------------------

                                        NEW STREAM COMMERCIAL FINANCE, LLC

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

                                        Title:
                                               -------------------------

<PAGE>
<TABLE>
<CAPTION>
                                               SCHEDULE I

                                             PLEDGED SHARES

-----------------------------------------------------------------------------------------------------
                          CLASS          STOCK CERTIFICATE          NUMBER         PERCENTAGE OF
PLEDGED ENTITY           OF STOCK            NUMBER(S)             OF SHARES     OUTSTANDING SHARES
-----------------------------------------------------------------------------------------------------
<S>                 <C>                 <C>                  <C>                 <C>
                                                                                         --%
-----------------------------------------------------------------------------------------------------
                                                                                         --%
-----------------------------------------------------------------------------------------------------
                                                                                         --%
-----------------------------------------------------------------------------------------------------
                                                                                         --%
-----------------------------------------------------------------------------------------------------
</TABLE>

<PAGE>
                                   SCHEDULE II

                                PLEDGE AMENDMENT

     This Pledge Amendment, dated                 ,     is delivered pursuant to
                                  ----------------  ---
Section  6(d)  of  the  Pledge  Agreement  referred to below.  All defined terms
herein  shall have the meanings ascribed thereto or incorporated by reference in
the Pledge Agreement.  The undersigned hereby certifies that the representations
and warranties in Section 5 of the  Pledge Agreement are and continue to be true
and  correct, both as to the instruments and shares pledged prior to this Pledge
Amendment  and  as  to  instruments  and  shares pledged pursuant to this Pledge
Amendment.  The  undersigned  further  agrees  that this Pledge Amendment may be
attached  to  that  certain  Pledge  Agreement,  dated  August __, 2006, between
undersigned,  as  Pledgor,  and  New Stream Commercial Finance, LLC (the "Pledge
Agreement") and that the Pledged Shares listed on this Pledge Amendment shall be
and  become  a  part  of  the  Pledged  Collateral  referred  to in said  Pledge
Agreement  and  shall  secure all Secured Obligations referred to in said Pledge
Agreement.  The  undersigned  acknowledges  that  any  instruments or shares not
included in the Pledged Collateral at the discretion of Lender may not otherwise
be  pledged by Pledgor to any other Person or otherwise used as security for any
obligations  other  than  the  Secured  Obligations.

                                   CHARYS HOLDINGS COMPANY, INC.

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

                                   Title: -----------------------

<PAGE>
<TABLE>
<CAPTION>
-----------------------------------------------------------------------------------------
                                         CLASS                               NUMBERS
NAME AND ADDRESS      PLEDGED             OF            CERTIFICATE            OF
OF PLEDGOR             ENTITY            STOCK           NUMBERS(S)           SHARES
-----------------------------------------------------------------------------------------
<S>               <C>               <C>               <C>                <C>

-----------------------------------------------------------------------------------------
</TABLE>

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00109-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00109-of-00352.parquet"}]]