Document:

<PAGE>   1
                                                                   EXHIBIT 10.13

                             DATED 4th January 1996

                           (1) PBA TECHNOLOGY LIMITED
                                     - and -
                                (2) P N KING ESQ

                    C O N S U L T A N C Y     A G R E E M E N T

                              Hewitson Becke + Shaw
                                   Solicitors
                                  Peterborough

<PAGE>   2

                                      -1-

THIS AGREEMENT is made the 4th day of January 1996

BETWEEN

(1)  PBA TECHNOLOGY LIMITED (formerly Pinkney Byatt Limited) (Company
     Registration Number 2315315) whose registered office is at 154B St Neots
     Road, Eaton Ford, St Neots Cambridge PE19 3AD ("Company") and

(2)  PAUL NICHOLAS KING of Homestead Church Road, Glatton, Huntingdon
     Cambridgeshire PE17 5RR ("Consultant")

WHEREAS: -

(A)  The Consultant has expert knowledge applicable to the business of the
     Company

(B)  The Company wishes to retain the Consultant to provide services to its
     business on the terms and subject to the conditions hereinafter appearing

NOW IT IS HEREBY AGREED as follows: -

1.   DEFINITIONS

In this Agreement unless the context otherwise requires: -

"Board"                  means the Board of Directors for the time being of the
                         Company excluding the Consultant

"the Commencement Date"  means the lst December 1995

"the Services"           means the Services to be provided by the Consultant to
                         the Company as set out in Clause 3

"the Fees"               means the fees payable for the Services calculated and
                         payable pursuant to Clause 6

"Time Commitment"        means the number of working days, as stipulated in
                         Clause 5

2.   APPOINTMENT

The Company hereby engages the Consultant and the Consultant agrees to provide
the Services to the Company from the Commencement Date for a period of one year
and thereafter unless and until this Agreement is terminated by at least three
months written notice given by the Consultant or twelve months written notice
given by the Company to expire on the first anniversary of the Commencement Date
or at any time thereafter Subject Always to earlier termination in accordance
with Clause 12 below.

3.   THE SERVICES

<PAGE>   3
                                       -2-

3.1  The Consultant agrees that the Services to be provided hereunder during the
     term of this Agreement shall be to advise on such aspects of the business
     of the Company as may from time to time be reasonably required by the board
     and in particular (but without limitation to the generality of the
     foregoing) the Consultant shall:-

     3.1.1  provide support and advice to the Board and assist it in planning
            and operating the business of the Company and the Consultant will
            report his activities directly to the Board;

     3.1.2  in conjunction with other members of the Board assist in defining
            corporate strategy and policy and be responsible for legal,
            financial and commercial matters as may from time to time be agreed
            with the Board;

     3.1.3  advise on such specific projects as may from time to time be
            assigned to him by the Board including directing commercial and
            contractual negotiations; and

     3.1.4  promote the Company and market its products and services including
            exploring and advising on opportunities outside the present areas of
            business;

4.   OBLIGATIONS OF CONSULTANT

4.1  The Services shall be performed solely by the Consultant in the United
     Kingdom although he will not unreasonably refuse to travel abroad for short
     periods to fulfil the terms of this Agreement.

4.2  The Consultant agrees to observe and perform the following obligations:

     (a)  the Consultant shall promptly and faithfully comply with and observe
          all lawful and proper requests which may from time to time be made to
          the Consultant by the Board within the ambit of this Agreement;

     (b)  the Consultant shall perform the Services with reasonable care and
          skill and shall provide the Company with the full benefit of his
          expertise during the Time Commitment;

     (c)  the Consultant shall use all reasonable and proper means within the
          Time Commitment to further the business the reputation and the
          interests of the Company and its subsidiaries;

5.   TIME COMMITMENT

5.1  The Services shall be provided by the Consultant to the Company for a total
     of not more than 2 1/2 working days per week.

<PAGE>   4

                                       -3-

5.2  Prior to the 31st May in each year the Board may vary the minimum number of
     such days for the ensuing year which the Consultant shall be required to
     devote to the provision of the services to the company provided that such
     variation shall not result in the Consultant being required to devote less
     than one nor more than four working days a week to the provision of the
     Services to the Company.

5.3  The Consultant shall be given two months notice in writing of any variation
     in accordance with Clause 5.2 and upon the expiry of such notice the fees
     payable under Clause 6 shall be adjusted pro rata to any adjustment in the
     time commitment.

6.   FEES

6.1  In consideration of the Services to be provided by the Consultant under the
     terms of this Agreement the Company shall pay to the Consultant an initial
     fee of Pound Sterling 37,500 per annum.

6.2  The Company shall pay an annual additional fee to the Consultant of 2.5 per
     cent of the Net Profit of the Company per annum throughout the term of this
     Agreement to be paid to him within one month of the adoption of the
     Company's audited accounts by its annual general meeting in each year. The
     Consultant shall deliver an invoice for such sum to the Company upon
     receipt of notification from the Company of the Sum due.

6.3  For the purpose of this Clause 6.3 Net Profit of the Company shall mean the
     profit of the Company for the financial period as shown in the audited
     accounts for such period:

     6.3.1  before paying or making adequate reserve in respect of the Company's
            liability to corporation tax;

     6.3.2  before payment of the bonus payable under this clause or the payment
            of any bonus calculated as a percentage of the net profit of the
            Company now or at any time payable to any other director or employee
            of the Company;

     6.3.3  before adding or deducting profits or losses on the revaluation of
            any assets or any adjustment arising on the translation into pounds
            sterling of assets and liabilities denominated in foreign
            currencies;

     6.3.4  before adjustment for extraordinarv items not deriving from the
            ordinary activities of the Company as required by Statement of
            Standard Accounting Practice No. 6 (SSAP 6);

     6.3.5  after paying or making adequate reserve in respect of: -

            6.3.5.1 depreciation of the Company's tangible

<PAGE>   5
                                       -4-

                    assets;

            6.3.5.2 directors' fees and salaries of working directors including
                    the initial fee payable under Clause 6.1; and

     6.3.6  excluding profits or losses of a capital nature

6.4  The fees to be paid by the Company to the Consultant pursuant to Clause 6.1
     shall be invoiced by the Consultant monthly in arrears and shall be paid by
     the Company on the last day of each such month. All sums specified in
     clauses 6.1 and 6.2 are net of VAT (if any) due thereon which shall be paid
     by the Company in addition to such sums. On termination of this Agreement
     for any reason all sums owed to the Consultant on the date of termination
     will be paid to him on the said date of termination and any additional fee
     payable under Clause 6.2 shall be calculated pro rate for the period prior
     to the date of termination in respect of such financial year.

6.5  The Company shall reimburse to the Consultant in respect of all travel
     hotel entertaining and other expenses properly incurred by the Consultant
     (subject to producing vouchers and receipts in respect thereof) in the
     provision of the Services.

6.6

     6.6.1  On lst June every year the Consultant's fee's shall be reviewed and
            the annual amount payable immediately before such review date shall
            be increased as from such date by

            6.6.1.1 such percentage (if any) as the last figure of the Index of
                    Retail Prices ("index") published by the Department of
                    Employment prior to that date shall have increased over the
                    figure of the index current one year previously; or

            6.6.1.2 such higher rate as may be agreed by the Board

     6.6.2  If during the year immediately prior to any review date the basis of
            computation of the index shall have changed any official
            reconciliation between the two bases of computation published by the
            Department of Employment shall be binding on the Consultant and the
            Company

     6.6.3  In the absence of such official reconciliation adjustments shall be
            applied to the latest index figure to make it, as nearly as
            practicable, fairly comparable with the figure with which it is
            being compared
<PAGE>   6
                                       -5-

     6.6.4  If the index is no longer published an alternative method of
            periodically adjusting the Consultant's salary shall be adopted
            either by reference to other published statistics or otherwise

     6.6.5  In this clause any reference to the Department of Employment
            includes the body for the time being officially responsible for
            publication of the index expressly published to replace the Index of
            Retail Prices within the United Kingdom.

6.7  Notwithstanding anything to the contrary contained in the Articles of
     Association of the Company the Consultant shall not be entitled to any
     other fees as a Director of the Company.

7.   OTHER SERVICES

     Nothing in this Agreement shall preclude the Consultant from providing
     services to any other person, firm or company PROVIDED THAT the Consultant
     shall not provide services to any other business whose activities compete
     in any material respect with the business activities of the Company without
     the prior written consent of the Company (such consent not to be
     unreasonably withheld or delayed) The Consultant undertakes that any other
     commissions accepted by him will not interfere with the provisions of the
     Services to the Company under the terms of this Agreement.

8.   STATUS

8.1  It is hereby agreed and declared by both the Consultant and the Company
     that the agreement herein contained does not constitute a contract of
     employment for the purposes of the Employment Protection (Consolidation)
     Act 1978 the payment of income tax or national insurance contributions or
     for any other purpose whatsoever.

8.2  The Consultant hereby undertakes to indemnify the Company in respect of any
     claims that may be made by the relevant authorities against the Company
     concerning any fees or expenses paid to the Consultant in respect of the
     provision of the Services hereunder.

9.   CONFIDENTIALITY

9.1  During the term of this Agreement and after the date of termination the
     Consultant undertakes that he shall not (except in the proper performance
     of the Services or as required by law or any government authority or
     otherwise with the prior consent in writing of the Company) use divulge or
     communicate to any person firm or company any confidential information
     concerning the business processes inventions designs know-how products
     materials secrets meetings transactions affairs customers or business
     associates of the Company which the Consultant may have
<PAGE>   7
                                      -6-

     received or obtained while in the course of providing Services to the
     Company. This restriction shall continue to apply after termination of this
     agreement without limit in time but shall cease to apply to information or
     knowledge which may come into the public domain otherwise than through any
     fault or action on the part of the Consultant.

9.2  The Consultant shall not during the term of this Agreement or for a period
     of 2 years after the date of termination (however caused or arising) make
     copy use or permit to be made copied or used (otherwise than in the course
     of the proper performance of the Services hereunder) any notes minutes
     memoranda drawings diagrams recordings or any correspondence accounts
     reports or other documents relating to or connected with-the business or
     affairs of the Company and all such notes minutes memoranda drawings
     diagrams recordings or any correspondence accounts reports or other
     documents made copied or used shall remain the property of the Company and
     shall be delivered up to the Company forthwith upon the termination of this
     agreement.

10.  RESTRICTION

10.1 The Consultant agrees that for a period of 12 months after termination of
     this Agreement (whether by an effluxion of time or otherwise) the
     Consultant shall not either on his own account or for any other person in
     connection with the carrying on of any business similar to the business for
     the time being of the Company directly or indirectly solicit interfere with
     or endeavour to entice away from the Company or its subsidiaries any
     person, company or firm who is then or was during the period of one year
     preceding the date of such termination:-

     (i)   a client; or

     (ii)  a customer; or

     (iii) an employee;

     of the Company or its subsidiaries with whom the Consultant shall have
     contact Provided Always that nothing in this clause shall prohibit the
     seeking or procuring of orders or the doing of business not related or
     similar to the business for the time being of the Company.

10.2 The Consultant hereby covenants that he will not for a period of 12 months
     after the termination of this Agreement (howsoever such termination may
     arise) whether for his own account or that of any person, firm or company
     other than the Company whether as director, principal, employee, consultant
     or agent, in competition with the Company do business or perform services
     of the same or similar type to the business carried on or the services
     provided by the Company as at the date of such termination from any office
     located less than 50 miles from an existing factory or office of the
     Company PROVIDED THAT nothing herein shall

<PAGE>   8
                                       -7-

     preclude the Consultant from holding up to three per cent (3%) of the
     securities of any company which is quoted on a recognised stock exchange.

10.3 While the restrictions contained in clauses 10.1 and 10.2 are considered by
     the parties to be reasonable in all the circumstances, it is recognised
     that restrictions of the nature in question may fail for technical reasons
     and, accordingly, it is hereby agreed and declared that if any one or more
     of such restrictions shall, either by itself or themselves or taken with
     others, be adjudged to be invalid as exceeding what is reasonable in all
     the circumstances for the protection of the interests of the Company, but
     would be valid if any particular restriction or restrictions were deleted,
     or if part of parts of the wording thereof were deleted, restricted or
     limited in a particular manner, or if the period thereof were reduced or
     curtailed, then the said restriction or restrictions shall apply with such
     deletion, restriction, limitation, reduction, curtailment or modification
     as may be necessary to make them valid and effective.

11.  INVENTIONS

11.1 Any discovery or invention or secret process or improvement in procedure
     made or discovered by the Consultant during the course of the performance
     of the Services (whether or not capable of patent, copyright or trade mark
     protection) in connection with or in any way affecting or relating to the
     business of the Company or capable of being used or adapted for use in the
     business of the Company shall forthwith be disclosed to the Company and
     shall belong to and be the absolute property of the Company.

11.2 The Consultant shall, if and whenever required so to do (whether
     during or after the termination of this agreement) at the expense of the
     Company (or its nominee) apply or join in applying for letters patent or
     other equivalent protection in the United Kingdom or any other part of the
     world for any such discovery, invention, process or improvement as
     aforesaid and shall execute and do all instruments and things necessary for
     vesting any letters patent or any other intellectual property rights
     obtained in respect of such invention and all right title and interest
     thereto in the Company (or its nominee) absolutely and as the sole
     beneficial owner.

11.3 For the avoidance of doubt copyright and design rights in all material
     which the Consultant may prepare during the course of the Services shall
     belong exclusively to the Company and is subject to the Confidentiality
     obligations set out in clause 9.

12.  TERMINATION

12.1 Without prejudice to any remedy either party may have against the other
     this Agreement may be terminated forthwith
<PAGE>   9

     by notice in writing:

(a)  by the company if:-

     (i)  The Consultant shall in the performance of the Services be
          incompetent, guilty of gross misconduct and/or any serious or
          persistent negligence; or

     (ii) the Consultant shall fail or refuse after written warning to carry out
          any duties reasonably and properly required of him under the terms of
          this Agreement; or

     (iii)the Consultant acts in any manner which may bring the Company
          materially into disrepute; or

     (iv) the Consultant shall be in breach of any of the terms of this
          Agreement which (in the case of a breach capable of remedy) is not
          remedied by the Consultant within 21 days of receipt by the Consultant
          of a notice from the Company specifying the breach and requiring its
          remedy; or

     (v)  by reason of death the Consultant is unable to provide the Services;
          or

     (vi) ill health or accident the Consultant is unable to provide the
          Services for a period in excess of six months

(b)  by the Consultant if: -

     (i)  the Company shall enter into liquidation whether compulsory or
          voluntary (otherwise than for the purpose of amalgamation or
          reconstruction) or shall have a receiver appointed over all or any
          part of its assets or shall be the subject of any petition for the
          appointment of an administrator; or

     (ii) the Company shall be in breach of any of the terms of this Agreement
          which (in the case of a breach capable of remedy) is not remedied by
          the Company within 21 days of receipt by the Company of a notice from
          the Consultant specifying the breach and requiring remedy.

12.2 Upon termination of this Agreement howsoever arising the Consultant shall
     forthwith deliver up to the Company all documents and property belonging to
     the Company which may be in his possession or control.

13.  ENTIRE AGREEMENT

THIS Agreement shall be deemed to have effect from the date hereof and shall
supersede any other agreement whether written or oral with respect to the
provisions of the Services of the Consultant to the Company.

14.  NOTICES

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                                      -9-

14.1 All communications between the parties with respect to any of the
     provisions of this Agreement shall be sent to the addresses set out in this
     Agreement (or to such other addresses as may be notified by the parties for
     the purpose of this clause) by pre-paid registered or recorded delivery
     post and any such communication shall be deemed to be served at the
     expiration of two working days after the envelope containing the same was
     put into the mail.

14.2 In proving service it shall only be necessary to prove that the
     communication was contained in an envelope which was duly addressed stamped
     and posted by registered or recorded delivery post.

IN WITNESS whereof this Agreement has been entered into the day and year first
before written.

<PAGE>   11

                                      -10-

SIGNED by                     )
or and on behalf of           )
PBA TECHNOLOGY LIMITED        ) /s/ Arthur Pinkney
in the presence of:-          )

SIGNED by the said            )
PAUL NICHOLAS KING in the     ) /s/ P. Nicholas King
presence of:-                 )

Witness' name:       Gabrielle Dixey

Witness' address:    Stuart House
                     City Road
                     Peterborough

Witness' occupation: Solicitor

<PAGE>   12

                         [GENOMIC SOLUTIONS INC. LETTERHEAD]

December 22, 1999

Mr. Nick King
The Homestead, Church Road
Glatton, Huntingdon
Cambridgeshire
England

Dear Nick,

This letter is to confirm our mutual understanding regarding the services you
will provide for Genomic Solutions Inc. and Genomic Solutions Ltd. We have
agreed that:

-    This letter provides you with official notice as per the terms of your
     employment agreement with the Company that the Company shall no longer be
     obligated to use your services or provide you with payment after December
     31, 2000. That is, we are serving you with twelve months notice as required
     by the agreement with this letter.
-    For each month during 2000, you will provide services for the Company and
     bill the Company the sum of Pound Sterling 3,000 per month plus expenses.
-    In addition, you will bill the Company prior to the end of 1999 a one time
     special fee of 7,500 for the extraordinary amount of work you have done,
     and will do in the future to conclude, the Kevin Auton and HD Technologies
     situations.

Sincerely,

/s/Jeffrey S. Williams
----------------------
Jeffrey S. Williams
President & CEO, Genomic Solutions Inc.
Chairman, Genomic Solutions Ltd.

I ACCEPT THE TERMS AND CONDITIONS PROPOSED IN THIS LETTER THIS 23rd DAY OF
DECEMBER, 1999

/s/P. Nicholas King
----------------
P. Nicholas King<PAGE>   1
                                                                   EXHIBIT 10.14

                                                             August 10, 1998

Genomic Solutions, Inc.
4355 Varsity Drive, Suite E
Ann Arbor, Michigan 48108

Gentlemen:

     This letter (herein called the "Agreement") constitutes an agreement by and
between COMERICA BANK, a Michigan banking corporation (herein called "Bank"),
and GENOMIC SOLUTIONS, INC., a Delaware corporation (herein called "Company"),
pertaining to that certain line of credit which Bank has made available to
Company, under and pursuant to which Company may, from time to time, obtain
loans and advances not to exceed Two Million Dollars ($2,000,000.00), in
aggregate principal amount at any time outstanding, subject to the terms and
conditions of this Agreement and the Note (said line of credit, as the same may
be extended, renewed, amended and/or modified from time to time, is herein
called the "Line of Credit").

     In consideration of Bank's agreement to make the Line of Credit available
to Company, and in consideration of all present and future Liabilities of
Company to Bank thereunder or in respect thereof, Company represents, warrants,
covenants and agrees as follows:

     1. For purposes of this Agreement, the following terms shall have the
following respective meanings:

          "Accounts" shall mean, collectively, all of Company's accounts
     receivable, general intangibles, chattel paper, contract rights, deposit
     accounts, documents and instruments.

          "Acquisition" shall mean any purchase or acquisition by Company and/or
     any of its Subsidiaries of any capital stock or other ownership interests
     of any other Person(s) or of the property or assets of any other Person(s),
     excluding purchases of Inventory and fixed assets in the ordinary course of
     business.

          "Affiliate" shall mean, with respect to any Person, any other Person
     or group acting in concert in respect of the first Person that, directly or
     indirectly, through one or more intermediaries, controls, is controlled by,
     or is under common control with such first Person.

          "Change in Control" shall mean if those Persons owning the outstanding
     voting securities of Company as of the date of this Agreement shall fail,
     for any reason whatsoever, (i) to own at least thirty five percent (35%)
     of the outstanding voting securities of Company, or (ii) to retain control
     of Company.

<PAGE>   2
          "Collateral" shall mean all of Company's Accounts, Inventory, and any
     and all other property, rights and interests in which a security interest,
     lien, mortgage or other encumbrance has been granted or has arisen, or is
     hereafter granted or arises, to or in favor of Bank under or in connection
     with any of the Loan Documents, to secure the payment and performance of
     the Liabilities, together with all property and assets of Company now or
     hereafter in possession of Bank.

          "Consolidated" or "consolidated" shall mean, when used with reference
     to any financial statements or accounting terms in this Agreement, the
     aggregate for two or more persons determined on a consolidated basis in
     accordance with GAAP. Unless otherwise specified herein, references to
     "consolidated" financial statements or data of Company includes
     consolidation with all Subsidiaries of Company in accordance with GAAP.

          "Contingent Obligation" shall mean any guaranty or other direct or
     indirect obligation or undertaking on the part of Company whereby Company
     is or becomes responsible for the obligations of any other Person, whether
     by agreement to purchase the indebtedness of any other Person, by way of
     agreement for the furnishing of funds to any other Person through the
     furnishing of goods, supplies or services, by way of stock purchase,
     capital contribution, advance or loan, for the purpose of paying or
     discharging (or causing the payment or discharge of) the indebtedness of
     any other Person, or otherwise.

          "Control" or "control" (including, with correlative meanings, the
     terms "controlled by", "controlling" and "under common control with"), as
     used with respect to any Person or group of Persons, shall mean the
     possession, directly or indirectly, of the power to direct or cause the
     direction of the management and policies of such Person, whether through
     the ownership of voting securities, by contract or otherwise.

          "Current Assets" shall mean, for any applicable Person(s) and as of
     any applicable time of determination, the sum of all cash, non-affiliated
     accounts receivable, federal income tax receivables, United States
     government securities, and inventories of such Person(s) at such time, all
     as determined in accordance with GAAP, excluding the amount of any loans or
     advances to Affiliates of such Person(s) and investments in Subsidiaries
     and Affiliates of such Person(s).

          "Current Liabilities" shall mean, for any applicable Person(s) and as
     of any applicable time of determination, all Debt of such Person(s) which
     would be classified as a current liability at such time in accordance with
     GAAP, including, without limitation, any portion of the Liabilities so
     classified as a current liability at such time.

          "Debt" shall mean, for any applicable Person(s) and as of any
     applicable time of determination thereof, the total liabilities of such
     Person(s) at such time, as determined in accordance with GAAP.

                                       2
<PAGE>   3

          "Default" shall mean any condition or event which, with the giving of
     notice or the passage of time, or both, would constitute an Event of
     Default.

          "Environmental Laws" shall mean all laws, codes, ordinances, rules,
     regulations, orders, decrees and directives issued by any federal, state,
     local, foreign or other governmental or quasi-governmental authority or
     body (or any agency, instrumentality or political subdivision thereof)
     pertaining to hazardous or toxic materials, including, without limitation,
     any hazardous materials or wastes, toxic substances, flammable, explosive
     or radioactive materials, asbestos, and/or other similar materials; any
     so-called "superfund" or "superlien" law pertaining to hazardous or toxic
     materials on or about any property at any time owned, leased or otherwise
     used by Company and/or any of its Subsidiaries, or any portion thereof,
     including, without limitation, those relating to soil, surface, subsurface
     groundwater conditions and the condition of the ambient air; and any other
     federal, state, foreign or local statute, law, ordinance, code, rule,
     regulation; order or decree regulating, relating to, or imposing liability
     or standards of conduct concerning, any hazardous, toxic, radioactive,
     flammable or dangerous waste, substance or material, as now or at any time
     hereafter in effect.

          "ERISA" shall mean the Employee Retirement Income Security Act of
     1974, as amended, or any successor act or code.

          "Event of Default" shall mean the occurrence or existence of any of
     the conditions or events set forth in Section 7 of this Agreement.

          "GAAP" shall mean generally accepted accounting principles
     consistently applied.

          "Inventory" shall mean, collectively, all of Company's goods which are
     held for sale or lease or which are to be furnished under contracts of
     service, including finished goods, work in process, raw materials, and
     materials to be used or consumed in Company's business.

          "Liabilities" shall mean all present and future liabilities,
     obligations and indebtedness of Company to Bank, howsoever created,
     evidenced, existing or arising, whether direct or indirect, absolute or
     contingent, joint or several, now or hereafter existing or arising, or due
     or to become due, whether under or pursuant to the Line of Credit, or
     otherwise, and any and all extensions, renewals, amendments, modifications
     and/or restatements thereof.

          "Loan Documents" shall mean this Agreement, the Note, and any and all
     other notes, instruments, documents and agreements between Bank, on the one
     hand, and Company and/or other Person(s), on the other hand, at any time
     evidencing, governing, securing or otherwise relating to any of the
     Liabilities or the Collateral.

          "Note" shall mean that certain Master Revolving Note in form similar
     to that attached to this Agreement as Exhibit "A", executed and delivered
     by Company unto Bank,

                                        3

<PAGE>   4

     with appropriate insertions, to evidence the indebtness of Company to Bank
     in respect of loans and advances made by Bank to or in favor of Company
     under the Line of Credit, as the same may be amended, restated, extended
     and/or renewed from time to time.

          "PBGC" shall mean the Pension Benefit Guaranty Corporation, or any
     successor thereto.

          "Permitted Encumbrances" is defined in Section 5(c) of this Agreement.

          "Person" or "person" shall mean any individual, corporation,
     partnership, limited liability company, trust, incorporated or
     unincorporated organization, joint venture, joint stock company,
     government, or any agency or political subdivision thereof, or any other
     entity of any kind.

          "Subsidiary" of a Person shall mean any corporation, association,
     limited liability company, partnership or other business entity of which
     more than fifty percent (50%) of the outstanding voting stock or other
     equity interests is owned or controlled either directly or indirectly by
     such Person or one or more of its other Subsidiaries, or any combination
     thereof, or the management of which is controlled, either directly or
     indirectly by such Person or one or more of its other Subsidiaries, or any
     combination thereof.

          "Tangible Net Worth" shall mean, for any applicable Person(s) and as
     of any applicable time of determination thereof, the excess of (i) the net
     book value of the assets of such Person(s) at such time (excluding all
     amounts owing to such Person(s) at such time by any officers, employees or
     Affiliates of such Person(s), investments in Affiliates, patents, patent
     rights, trademarks, trade names, franchises, copyrights, licenses, goodwill
     and all other intangible assets of such Person(s) at such time), after all
     appropriate deductions in accordance with GAAP (including, without
     limitation, reserves for doubtful receivables, obsolescence, depreciation
     and amortization), over (ii) the total Debt of such Person(s) at such time,
     all as determined in accordance with GAAP.

          "Working Capital" shall mean for any applicable Person(s) and as of
     any applicable time of determination thereof, an amount equal to (i) the
     Current Assets of such Person(s) at such time, minus (ii) the Current
     Liabilities of such Person(s) at such time.

     2.   Subject to the terms and conditions of this Agreement and the Note,
including, without limitation, the condition that no Default or Event of Default
shall have occurred and be continuing or exist, Bank agrees to make loans and
advances to or in favor of Company under the Line of Credit not to exceed Two
Million Dollars ($2,000,000.00) in aggregate principal amount at any time
outstanding. Each loan or advance made by Bank to or otherwise in favor of
Company under or pursuant to the Line of Credit shall be subject to the terms
and conditions of this Agreement and the Note, and the indebtedness of Company
to Bank under or pursuant to the Line of Credit shall be evidenced by, shall
accrue interest in accordance with, and shall be repaid in accordance with the
terms of the Note. In no event and under no circumstances shall Bank be

                                       4
<PAGE>   5

obligated to make any loan or advance to or in favor of Company under the Line
of Credit if any Default or Event of Default shall have occurred and be
continuing or exist.

     3. Company hereby represents and warrants, and such representations and
warranties shall be deemed to be continuing representations and warranties
during the entire life of this Agreement, so long as Bank shall have any
commitment or obligation to make loans or advances to or in favor of Company
under the Line of Credit, and thereafter, so long as any Liabilities remain
unpaid and outstanding under this Agreement, the Note or otherwise in respect of
the Line of Credit:

     (a)  Company is a corporation duly organized, validly existing and in good
          standing under the laws of the State of Delaware, is duly qualified
          and authorized to do business in each jurisdiction where the character
          of its assets or the nature of its activities makes such qualification
          necessary, except where the failure to so qualify or be authorized
          shall not have a material adverse effect on the financial condition of
          Company, its operations or ability to carry on its business, or upon
          its ability to pay and perform its liabilities and obligations
          hereunder or otherwise in respect of the Liabilities, and Company has
          the corporate power and authority and legal right to own its
          properties and assets and to carry out its business as now being
          conducted; execution, delivery and performance of this Agreement, the
          Note, and any and all other Loan Documents to which Company is a party
          or by which it is otherwise bound, are within Company's corporate
          powers and authorities, have been duly authorized by all requisite
          corporate or other necessary or appropriate action, and are not in
          contravention or violation of law or the terms of Company's Articles
          of Incorporation or Bylaws, and do not require the consent or approval
          of any governmental body, agency or authority; and this Agreement, the
          Note, and any other Loan Documents contemplated hereby, when executed,
          issued and/or delivered by Company, or by which Company is otherwise
          bound, will be valid and binding and legally enforceable against
          Company in accordance with their terms, except as enforcement may be
          limited by equitable principles or by bankruptcy, insolvency,
          reorganization, moratorium or similar laws or equitable principles
          relating to or limiting creditors' rights generally.

     (b)  The execution, delivery and performance of this Agreement, the Note,
          and any other Loan Documents required under or contemplated by this
          Agreement to which Company is a party or by which it is otherwise
          bound, and the issuance of this Agreement, the Note, and any such
          other Loan Documents by Company, and the borrowings and other
          transactions contemplated hereby and thereby, are not in contravention
          or violation of the unwaived terms of any indenture, agreement or
          undertaking to which Company is a party or by which it or any of its
          property or assets is bound, and will not result in the creation or
          imposition of any lien or encumbrance of any nature whatsoever upon
          any of the property or assets of Company, except to or in favor of
          Bank.

                                       5
<PAGE>   6

     (c)  No litigation or other proceeding before any court or administrative
          or governmental agency is pending, or, to the knowledge of Company or
          any of its officers, is threatened against Company, the outcome of
          which could materially impair Company's financial condition or its
          ability to carry on its business or its ability to pay and perform its
          liabilities and obligations hereunder or otherwise in respect of the
          Liabilities.

     (d)  There are no security interests in, liens, mortgages, or other
          encumbrances on any of the Collateral, except Permitted Encumbrances.

     (e)  No Default or Event of Default has occurred and is continuing or
          exists.

     (f)  The most recent financial statements with respect to Company and its
          Subsidiaries delivered to Bank fairly present the financial condition
          of Company and its Subsidiaries and the results of their operations as
          of the date thereof and for the period(s) covered thereby in
          accordance with GAAP; and since December 31, 1997, there has been no
          material adverse change in the condition (financial or otherwise) or
          operations of Company or any of its Subsidiaries, and there are no
          material debts, liabilities or obligations (absolute or contingent) of
          Company or any of its Subsidiaries, except as disclosed in such
          financial statements (or in the notes thereto).

     4. So long as Bank shall have any commitment or obligation, if any, to make
any loans or advances to or in favor of Company under the Line of Credit, and so
long as any Liabilities remain unpaid and outstanding under this Agreement, the
Note or otherwise in respect of the Line of Credit, Company covenants and agrees
that it shall:

     (a)  Furnish to Bank, or cause to be furnished to Bank, in each case, in
          form and detail and on a reporting basis satisfactory to Bank,
          the following:

          (i)  as soon as available, and in any event not later than one hundred
               twenty (120) days after and as of the end of each fiscal year of
               Company, beginning with the fiscal year ending December 31, 1998,
               consolidated and consolidating financial statements of Company
               and its Subsidiaries, containing the consolidated balance sheets
               of Company and its Subsidiaries as of the end of each such fiscal
               year, consolidated and consolidating statements of income and
               retained earnings and statements of cash flows of Company and its
               Subsidiaries for each such fiscal year, and such other comments
               and financial details as are usually included in similar reports.
               Such financial statements shall be audited by independent
               certified public accountants of recognized standing selected by
               Company and acceptable to Bank, shall be prepared in accordance
               with GAAP, and shall be in such detail as Bank may reasonably
               require;

                                       6
<PAGE>   7
          (ii) as soon as available, and in any event not later than forty five
               (45) days after and as of the end of each calendar month,
               beginning with the month ending June 30, 1998, consolidating
               financial statements of Company its Subsidiaries, containing the
               consolidating balance sheets of Company and its Subsidiaries as
               of the end of each such calendar month, consolidating statements
               of income and retained earnings and statements of cash flows for
               Company and its Subsidiaries for each such calendar month and for
               the portion of the fiscal year of Company and its Subsidiaries
               through the end of the calendar month then ending, and such other
               comments and financial details as are usually included in similar
               reports. Such financial statements shall be prepared by Company
               in accordance with GAAP, and on a basis consistent with the
               annual statements to be furnished to Bank pursuant to sub-section
               (i) above, shall be in such detail as Bank may reasonably
               require, and shall be certified as to accuracy and fairness by
               the chief executive officer or chief financial officer of
               Company;

         (iii) simultaneous with the delivery to Bank of the respective
               financial statements required in sub-sections (i) and (ii) above,
               a compliance certificate in form and detail satisfactory to Bank,
               certified by the chief financial officer of Company, certifying
               that, as of the date thereof, to the best of such officer's
               knowledge, no Default or Event of Default shall have occurred and
               be continuing or exist, or if any Default or Event of Default
               shall have occurred and be continuing or exist, specifying, in
               detail, the nature and period of existence thereof and any action
               taken or proposed to be taken by Company in respect thereto, and
               also certifying as to whether Company is in compliance with the
               financial covenants contained in Sections 4(g) through (j)
               of this Agreement (which certificate shall set forth, in
               reasonable detail, Company's calculations and the resultant
               ratios or financial tests determined thereunder);.

          (iv) as soon as available, and in any event within forty five (45)
               days after and as of the end of each fiscal quarter of Company,
               agings of Company's accounts receivable and accounts payable for
               and as of the end of each such fiscal quarter, in each case, in
               form and detail satisfactory to Bank;

          (v)  as soon as possible, and in any event within three (3) Business
               Days after becoming aware of the occurrence or existence of any
               Default or Event of Default, or of any other condition or
               occurrence which has had or could reasonably be expected to have
               a materially adverse effect upon Company's or any of its
               Subsidiary's business, properties, or financial condition or upon
               Company's ability to comply with its obligations hereunder, a
               written statement of an authorized officer of Company setting
               forth the details of such Default or Event of Default, or such
               other condition or occurrence, and the action which Company has
               taken or caused to be taken, or proposes to take or cause to be
               taken with respect thereto;

                                        7
<PAGE>   8

        (vi)   prior to Company and/or any of its Subsidiaries entering into any
               merger, consolidation or Acquisition, pro forma consolidated and
               consolidating financial statements of Company and its
               Subsidiaries, showing the anticipated effects of such proposed
               merger, consolidation or Acquisition upon the financial
               condition and operations of Company and its Subsidiaries
               immediately after giving effect thereto and through the end of
               the fiscal quarter of Company during which such merger,
               consolidation or Acquisition, as the case may be, takes place,
               together with a compliance certificate in form and detail
               satisfactory to Bank, certified by the chief financial officer of
               Company, certifying that, to the best of such officer's
               knowledge, no Default or Event of Default shall have occurred and
               be continuing or exist, and that no Default or Event of Default
               shall arise, exist or occur after giving effect to such merger,
               consolidation or Acquisition, which certificate shall be
               accompanied by Company's calculations, on a pro forma basis and
               in reasonable detail, as to whether Company shall be in
               compliance with the financial covenants of Company set forth in
               Sections 4(g) through (j) of this Agreement immediately after
               giving effect to such merger, consolidation or Acquisition, as
               the case may be, and through the end of the fiscal quarter of
               Company during which such merger, consolidation or Acquisition
               takes place; and

        (vii)  promptly, at such times as Bank may reasonably require, in form
               and detail satisfactory to Bank, such other information and
               reports as may be required under the terms of any Loan Documents
               or as Bank may reasonably request from time to time.

     (b)  Keep proper books of record and account in which full and correct
          entries shall be made of all of its financial transactions and its
          assets and businesses so as to permit the presentation of financial
          statements (including, without limitation, those financial statements
          to be delivered to Bank pursuant to Section 4(a) above) prepared in
          accordance with GAAP.

     (c)  Permit Bank, through Bank's authorized attorneys, accountants and
          representatives, to visit all of Company's offices and to make
          inquiries as to Company's financial matters with its directors,
          officers, employees, and independent certified public accountants, and
          to inspect, audit and examine Company's books, accounts, records,
          ledgers and assets and properties of every kind and description,
          wherever located, at reasonable intervals and times during normal
          business hours. So long as no Default or Event of Default shall have
          occurred and shall be continuing or exist, Bank shall provide Company
          with not less than two (2) weeks' prior written or oral notice to an
          officer of Company of Bank's intent or desire to conduct any such
          visit, inspection, audit and/or examination. In the event that any
          Default or Event of Default shall have occurred and be continuing or
          exist, Bank shall not be obligated to provide such two (2) weeks'
          notice to Company, and Bank shall be permitted to conduct any such
          visits, inspections, audits and/or examinations upon

                                       8
<PAGE>   9
          such sooner oral or written notice to an officer of Company as Bank
          reasonably deems necessary or appropriate. In the event that any
          Default or Event of Default shall have occurred and be continuing or
          exist, Company agrees to reimburse Bank for all reasonable costs and
          expenses incurred by Bank in connection with such visits, inspections,
          examinations and audits. So long as no Default or Event of Default
          shall have occurred and be continuing or exist, Company's obligation
          to reimburse Bank for such costs and expenses and to pay any such
          fees to Bank shall be as mutually agreed upon by Company and Bank.

     (d)  Keep its insurable properties (including, without limitation, any
          Collateral at any time securing all or any part of the Liabilities)
          adequately insured and maintain (i) insurance against fire and other
          risks customarily insured against under an "all-risk" policy and such
          additional risks customarily insured against by companies engaged in
          the same or a similar business to that of Company, (ii) necessary
          workers' compensation insurance, (iii) public liability and product
          liability insurance, and (iv) such other insurance as may be required
          by law or as may be reasonably required in writing by Bank, all of
          which insurance shall be in such amounts, contain such terms, be in
          such form, be for such purposes, prepaid for such time periods, and
          written by such companies as may be reasonably satisfactory to Bank.
          All such policies shall contain a provision whereby they may not be
          canceled or materially amended except upon thirty (30) days' prior
          written notice to Bank. Company will promptly deliver to Bank, at
          Bank's request, evidence satisfactory to Bank that such insurance has
          been so procured and, with respect to casualty insurance, made payable
          to Bank. If Company fails to maintain satisfactory insurance as herein
          provided, Bank shall have the option (but not the obligation) to do
          so, and Company agrees to repay Bank, upon demand, with interest at
          the highest rate of interest applicable to any of the Liabilities, all
          amounts so expended by Bank. Company hereby appoints Bank, or any
          employee or agent of Bank, as Company's attorney-in-fact, which
          appointment is coupled with an interest and irrevocable, and
          authorizes Bank, or any employee or agent of Bank, on behalf of
          Company, to adjust and compromise any loss under said insurance and to
          endorse any check or draft payable to Company in connection with
          returned or unearned premiums on said insurance or the proceeds of
          said insurance, and any amount so collected may be applied toward
          satisfaction of the Indebtedness; provided, however, that Bank shall
          not be required hereunder so to act.

     (e)  Pay, promptly and within the time that they can be paid without late
          charge, penalty or interest, all taxes, assessments and similar
          imposts and charges of every kind and nature lawfully levied, assessed
          or imposed upon Company and/or its property, except to the extent
          being contested in good faith and, if requested by Bank, bonded in an
          amount and manner satisfactory to Bank. If Company fails to pay such
          taxes and assessments within the time they can be paid without
          penalty, late charge or interest, Bank shall have the option (but not
          the obligation) to do so, and Company agrees to repay Bank, upon
          demand, with interest at the highest rate of interest applicable to
          any of the Liabilities, all amounts so expended by Bank.

                                        9
<PAGE>   10

     (f)  Do, or cause to be done, all things necessary to preserve and keep in
          full force and effect Company's corporate existence, rights and
          franchises and comply with all applicable laws; continue to conduct
          and operate its business substantially as conducted and operated
          during the present and preceding calendar year; at all times
          maintain, preserve and protect all franchises and trade names and
          preserve all the remainder of its property and keep the same in good
          repair, working order and condition; and from time to time make, or
          cause to be made, all needed and proper repairs, renewals,
          replacements, betterments and improvements thereto so that the
          business carried on in connection therewith may be properly and
          advantageously conducted at all times.

     (g)  Maintain, at all times, a Consolidated Tangible Net Worth of not less
          than Five Million Dollars ($5,000,000.00).

     (h)  Maintain, on a non-consolidated basis, a Tangible Net Worth of not
          less than the following amounts during each of the following
          respective specified periods:

<TABLE>
<CAPTION>
                                         Period                                  Amount
                                         ------                                  ------
<S>                     <C>                                                    <C>

          (i)            From the date of this Agreement through
                         September 29, 1998                                     $3,500,000
          (ii)           From September 30, 1998, through
                         December 30, 1998                                       3,750,000
          (iii)          From December 31, 1998, through March
                         30, 1999                                                4,000,000
          (iv)           From March 31, 1999, through June 29, 1999              4,250,000
          (v)            From June 30, 1999, through September 29, 1999          4,500,000
          (vi)           From September 30, 1999, through December
                         30, 1999                                                4,750,000
          (vii)          From and after December 31, 1999                        5,000,000

</TABLE>

     (i)  Maintain, at all times, Consolidated Working Capital of not less than
          Five Million Dollars ($5,000,000.00).

     (j)  Maintain, on a non-consolidated basis, Working Capital of not less
          than the following amounts during each of the following specified
          periods:

                                       10

<PAGE>   11
<TABLE>
<CAPTION>

                                       Period                                     Amount
                                       ------                                     ------
         <S>              <C>                                                  <C>
         (i)              From the date of this Agreement through
                          September 29, 1998                                    $3,500,000
         (ii)             From September 30, 1998, through
                          December 30, 1998                                      3,750,000
         (iii)            From December 31, 1998, through March
                          30, 1999                                               4,000,000
         (iv)             From March 31, 1999, through June 29, 1999             4,250,000
         (v)              From June 30, 1999, through September 29, 1999         4,500,000
         (vi)             From September 30, 1999, through December
                          30, 1999                                               4,750,000
         (vii)            From and after December 31, 1999                       5,000,000

</TABLE>

(k)       At all times meet the minimum funding requirements of ERISA with
          respect to Company's employee benefit plans subject to ERISA; promptly
          after Company knows or has reason to know of the occurrence of any
          event, which would constitute a reportable event or prohibited
          transaction under ERISA, or that the PBGC or Company has instituted or
          will institute proceedings to terminate an employee pension plan,
          deliver to Bank a certificate of an authorized officer of Company
          setting forth details as to such event or proceedings and the action
          which Company proposes to take with respect thereto, together with a
          copy of any notice of such event which may be required to be filed
          with the PBGC; and upon the request of Bank, furnish to Bank (or cause
          the plan administrator to furnish Bank) a copy of the annual return
          (including all schedules and attachments) for each plan covered by
          ERISA, and filed with the Internal Revenue Service by Company not
          later than ten (10) days after such report has been so filed. Company
          shall be permitted to voluntarily terminate employee pension or
          benefit plans, so long as any such voluntary termination is done in
          accordance with ERISA and does not result in a material liability or
          obligation to Company.

(i)       Comply in all material respects with all applicable Environmental
          Laws, and maintain all material permits, licenses and approvals
          required under applicable Environmental Laws, where the failure to do
          so could have a material adverse effect upon the business, operations,
          condition (financial or otherwise) performance or properties of
          Company, or could have a material adverse effect upon the ability of
          Company to perform its obligations under this Agreement or any of the
          other Loan Documents or otherwise in respect of any of the
          Liabilities, or could materially adversely affect the enforceability
          of this Agreement or any of the other Loan Documents; and promptly
          provide to Bank, immediately upon receipt thereof, copies of any
          material correspondence, notice, pleading, citation, indictment,
          complaint, order, decree, or other document from any source asserting
          or alleging a violation of any Environmental Laws by Company, or of
          any circumstance or condition which requires or may require a
          financial contribution by Company, or a clean-up, removal, remedial
          action or other response by or on

                                       11
<PAGE>   12

     behalf of Company under applicable Environmental Law(s), or which seeks
     damages or civil, criminal, or punitive penalties from Company for any
     violation of any Environmental Law(s) by Company. Company hereby
     indemnifies, saves and holds Bank, and any of Bank's past, present and
     future officers, directors, shareholders, employees, representatives and
     consultants, harmless from any and all losses, damages, suits, penalties,
     costs, liabilities and expenses, (including, without limitation, reasonable
     legal expenses and attorneys fees) incurred or arising out of any claim,
     loss or damage of any property, injuries to or death of any persons,
     contamination of or adverse effects on the environment, or other violation
     of any applicable Environmental Law(s), in any case, caused by Company or
     any of its Subsidiaries, or in any way related to any property owned or
     operated by Company or any of its Subsidiaries, or due to any acts of
     Company or any of its Subsidiaries, or any of their respective officers,
     directors, shareholders, employees, consultants and/or representations;
     provided, however that the foregoing indemnification shall not be
     applicable, and Company shall not be liable for any such losses, damages,
     suits, penalties, costs, liabilities or expenses, to the extent (but only
     to the extent) the same arise or result from any gross negligence or
     willful misconduct of Bank or any of its agents or employees.

     5. So long as Bank shall have any commitment or obligation to make any
loans or advances to or in favor of Company under the Line of Credit, and so
long as any Liabilities remain unpaid and outstanding under this Agreement, the
Note, or otherwise in respect of the Line of Credit, Company covenants and
agrees that it shall not, without the prior written consent of Bank:

     (a)  Declare or pay any dividends on, or make any other distribution
          (whether by reduction of capital or otherwise) with respect to, any
          shares of its capital stock, except dividends payable solely in its
          capital stock.

     (b)  Purchase, redeem, retire or otherwise acquire any shares of its
          capital stock, or make any commitment to do so, to the extent that the
          aggregate amount(s) paid or otherwise expended by Company in respect
          of all such purchases, redemptions, retirements and acquisitions would
          exceed Two Hundred Fifty Thousand Dollars ($250,000.00).

     (c)  Create, incur, assume or suffer to exist any mortgage, pledge,
          encumbrance, security interest, lien or charge of any kind upon any of
          Company's Accounts, Inventory or other Collateral, whether now owned
          or hereafter acquired, other than the following (collectively,
          "Permitted Encumbrances"):

          (i)  liens, mortgages, security interests and encumbrances to or in
               favor of Bank;

          (ii) liens for taxes, assessments or other governmental charges
               incurred in the ordinary course of business and for which no
               interest, late charge or penalty

                                     12

<PAGE>   13

          is attaching or which is being contested in good faith by appropriate
          proceedings diligently pursued and, if requested by Bank, bonded in an
          amount and manner satisfactory to Bank;

     (iii)liens, not delinquent, created by statute in connection with workers'
          compensation, unemployment insurance, social security, old age
          pensions (subject to the applicable provisions of this Agreement) and
          similar statutory obligations;

     (iv) liens in favor of mechanics, materialmen, carriers, warehousemen or
          other like statutory or common law liens securing obligations incurred
          in good faith in the ordinary course of business that are not yet due
          and payable;

     (v)  minor encumbrances or imperfections of title consisting of existing
          or future zoning restrictions, existing recorded rights-of-way,
          existing recorded easements, existing recorded private restriction or
          existing or future public restrictions on the use of real property,
          none of which (individually or in the aggregate) materially impairs,
          or would materially impair, the present or future use of such property
          in the operation of the business for which it is used, or would be
          violated in any material respect by any existing or proposed structure
          or land use or would have a material adverse effect on the sale or
          lease of such property, or render title thereto unmarketable; and

     (vi) any liens and encumbrances existing as of the date of this Agreement,
          as more particularly identified in Schedule 5(c) attached hereto.

(d)  Incur, create, assume or permit to exist any indebtedness or liability on
     account of deposits or advances or any indebtedness or liability for
     borrowed money, or any other indebtedness or liability evidenced by notes,
     bonds, debentures or similar obligations, or any other indebtedness
     whatsoever, except:

          (i)  the Liabilities;

          (ii) existing indebtedness to the extent set forth on Schedule 5(d)
               attached hereto;

          (iii) unsecured trade indebtedness incurred and paid in the ordinary
               course of business;

          (iv) additional indebtedness incurred or assumed by Company from and
               after the date of this Agreement in respect of mergers or
               consolidations involving Company, Acquisitions by Company, and
               acquisitions of fixed assets and Inventory by Company in the
               ordinary course of business, to the extent, in

                                       13

<PAGE>   14

               each case, the incurrence or assumption of such indebtedness
               would not result in or cause any Default or Event of Default; and

          (v)  indebtedness secured by Permitted Encumbrances.

(e)  Incur or otherwise become liable or obligated for or upon any Contingent
     Obligations, except: (i) guaranties in favor of Bank; (ii) the endorsement
     of negotiable instruments in the ordinary course of business for deposit or
     collection; and (iii) other Contingent Obligations not to exceed One
     Hundred Thousand Dollars ($100,000.00) at any time in respect of any single
     Contingent Obligation (or series of related Contingent Obligations), and
     not to exceed Five Hundred Thousand Dollars ($500,000.00) in aggregate, at
     any time, for all such Contingent Obligations.

(f)  Subordinate any indebtedness due to it from a Person to indebtedness of
     other creditors of such Person.

(g)  Sell, lease (as lessor), transfer or otherwise dispose of properties and
     assets having an aggregate book value of more than One Million Five Hundred
     Thousand Dollars ($1,500,000.00) (whether in one transaction or in a series
     of transactions), except as to the sale of Inventory and equipment in the
     ordinary course of business; change its name; or consolidate with or merge
     into any other Person, unless, at the time of any such merger or
     consolidation and after giving effect thereto, no Default or Event of
     Default shall have occurred and be continuing, or exist, and, in the case
     of any such merger or consolidation in which Company shall not be the
     survivor thereof, (A) the surviving entity shall be a corporation or other
     business entity organized under the laws of the United States of America,
     or any State thereof, (B) such survivor shall, in writing, unconditionally
     assume all Liabilities of Company to Bank, and (C) there shall be no legal
     or regulatory restrictions or impediments upon Bank's ability to maintain a
     lending or contractual relationship with such surviving entity; provided,
     however, and notwithstanding the foregoing, in the event that Company
     enters into any such merger or consolidation in which Company shall not be
     the survivor thereof, Bank shall have the right, in its sole discretion, to
     terminate any commitment or obligation of Bank to make loans or advances or
     otherwise extend credit to or in favor of Company, whether under the Line
     of Credit or otherwise, upon sixty (60) days' prior written notice to
     Company (or such surviving entity), and upon expiration of such sixty (60)
     day period of time, any such commitment or obligation on the part of Bank
     shall terminate and all Liabilities, whether under the Line of Credit or
     otherwise, shall become due and payable (unless sooner accelerated in
     accordance with the terms of this Agreement or any other relevant Loan
     Document(s))

(h)  Allow any fact, condition or event to occur or exist with respect to any
     employee pension or profit sharing plan established or maintained by it
     which might constitute grounds for termination of any such plan or for the
     court appointment

                                       14

<PAGE>   15

          of a trustee to administer any such plan; or permit any such plan
          to be the subject of termination proceedings (whether voluntary or
          involuntary) from which termination proceedings there may result
          in a liability of Company to the PBGC which, in the opinion of
          Bank, will have a materially adverse effect upon the operations,
          business, property, assets, financial condition or credit of
          Company.

     (i)  Furnish Bank with any certificate or other document that contains any
          untrue statement of a material fact or omits to state a material fact
          necessary to make such certificate or document not misleading in light
          of the circumstances under which it was furnished.

     (j)  Apply any of the proceeds of any loan, advance or other extension of
          credit by Bank to or in favor of Company, to the purchase or carrying
          of any "margin stock" within the meaning of Regulation U of the Board
          of Governors of the Federal Reserve System, or any regulations,
          interpretations or rulings thereunder.

     6. In respect of the Line of Credit, Company agrees to pay to Bank the
following nonrefundable fees:

     (a)  A closing fee equal to $2,500.00.

     (b)  A facility fee equal to one quarter of one percent (.25%) per annum
          on the daily average balance of the unused principal amount of the
          Line of Credit (i.e., the maximum principal amount of the Line of
          Credit minus the average daily principal amount outstanding
          thereunder). Said fee shall be payable quarterly, in arrears,
          commencing on October 1, 1998, and on the first day of each succeeding
          January, April, July and October thereafter, and shall be computed on
          the basis of a 360-day year and shall be assessed for the actual
          number of days elapsed.

     (c)  In the event that, as a result of the occurrence and/or existence of
          any Default(s) or Event(s) of Default, Bank notifies Company that Bank
          shall not make any further loans or advances to or in favor of Company
          under the Line of Credit until such Default(s) or Event(s) of Default
          are cured or remedied to the satisfaction of Bank, the obligation of
          Company to pay such facility fee to Bank shall be suspended until such
          time that Bank notifies Company that loans and advances are again
          available to Company under the Line of Credit.

     7. The occurrence and/or existence of any of the following conditions or
events shall constitute an "Event of Default":

     (a)  Company shall fail to pay the principal of or interest on or shall
          otherwise fail to pay any other amount owing by Company to Bank under
          this Agreement, the Note, or otherwise in respect of the Line of
          Credit and any such default in payment shall continue for five (5)
          days; or Company shall fail to pay any other amount owing by Company
          to Bank, when due, and such default in payment shall continue

                                       15

<PAGE>   16

          unremedied or uncured beyond any applicable period of grace provided
          with respect thereto, if any, in the relevant Loan Document(s);

     (b)  any material representation, warranty, certification or statement made
          or deemed to have been made by Company herein, or by any Person(s)
          (including, without V limit, Company) in any certificate, financial
          statement or other document or agreement delivered by or on behalf of
          Company in connection with the Liabilities or any of the Loan
          Documents, shall prove to be untrue in any material respect;

     (c)  Company shall fail to observe or perform any condition, covenant or
          agreement of Company set forth in Sections 4(a),(b),(e),(f),(k) or
          (1) of this Agreement, and any such failure shall continue unremedied
          or uncured for a period of thirty (30) days after written notice from
          Bank to Company; or Company shall fail to observe or perform any other
          condition, covenant or agreement of Company set, forth in this
          Agreement;

     (d)  Company shall fail to observe or perform any condition, covenant or
          agreement of Company set forth in any other Loan Document (other than
          as provided in subparagraphs (a) and (c) above), and such default
          shall remain unremedied or uncured beyond any applicable period of
          grace or cure, if any, provided with respect thereto;

     (e)  if, for any reason or cause whatsoever, Steven J. Richvalsky or
          Jeffrey Williams shall fail to be employed by and remain an officer of
          Company and/or shall fail to actively participate in the management of
          Company, whether by reason of death, resignation or otherwise; or if
          there shall be any Change in Control;

     (f)  if Company becomes insolvent or unable to pay its debts as they become
          due, or if Company becomes the subject of a voluntary or involuntary
          proceeding in bankruptcy, and in the case of any such involuntary
          proceeding, the same remains undismissed or unstayed for sixty (60)
          days following the commencement thereof; or if Company makes an
          assignment for the benefit of creditors or becomes subject to a
          reorganization or creditor composition proceeding, and, in the case of
          any such involuntary proceeding, the same remains undismissed or
          unstayed for sixty (60) days following the commencement thereof; or if
          Company ceases doing business as a going concern or dissolves or
          liquidates; or if any receiver, trustee or custodian shall be
          appointed for all or substantially all of the property or assets of
          Company, and, in the case of any involuntary appointment, such
          receiver, trustee or custodian is not discharged within sixty (60)
          days of such appointment;

     (g)  if there is any termination, notice of termination, or breach of any
          guaranty, pledge, collateral assignment or subordination agreement
          relating to all or any part of the Liabilities, and any such breach
          shall remain unremedied or uncured beyond any applicable period of
          grace or cure, if any, provided with respect thereto;

                                       16

<PAGE>   17

     (h)  if Company shall fail to pay, when due, any of its Debt (other than to
          Bank) or shall fail to observe or perform any term, convenant,
          agreement or condition in any document evidencing, securing or
          relating to any such Debt, and any such failure shall continue beyond
          any period of grace or cure, if any, provided with respect thereto; or

     (i)  if there is filed or issued a levy or writ of attachment or
          garnishment or other like judicial process upon a material portion of
          the assets of Company or any of the Collateral.

     8.   Upon the occurrence and at any time during the continuance or
outstanding existence of any Event of Default, Bank may declare any or all
outstanding Liabilities to be due and payable, whether under the Note or
otherwise, whereupon all such Liabilities then outstanding shall immediately
become due and payable, without further notice or demand,and any commitment or
obligation, if any, on the part of Bank to make loans or otherwise extend credit
to or in favor of Company, whether under the Line of Credit or otherwise, shall
immediately terminate; without any necessity of prior notice or demand, each of
which is hereby expressly waived by Company. Further, upon the occurrence or at
any time during the continuance or existence of any Event of Default hereunder,
Bank may collect, deal with and dispose of all or any part of any Collateral in
any manner permitted or authorized by the Michigan Uniform Commercial Code or
other applicable law (including public or private sale), and after deducting
expenses (including, without limitation, reasonable attorneys' fees and
expenses), Bank may apply the proceeds thereof in part or full payment of any of
the Liabilities, whether due or not, in any manner or order Bank elects. In
addition to the foregoing, upon the occurrence and at any time during the
continuance or existence of any Event of Default hereunder, Bank may exercise
any and all rights and remedies available to it as a result thereof, whether by
agreement, by law, or otherwise.

     9.   COMPANY HEREBY ACKNOWLEDGES AND AGREES THAT COMPANY'S COMPLIANCE WITH
     THE TERMS AND CONDITIONS SET FORTH HEREIN, AND THE ABSENCE OF ANY EVENT OF
DEFAULT HEREUNDER, SHALL NOT, IN ANY WAY WHATSOEVER, LIMIT, RESTRICT OR
OTHERWISE AFFECT OR IMPAIR BANK'S RIGHT OR ABILITY TO MAKE DEMAND FOR PAYMENT OF
ANY OR ALL OF THE LIABILITIES WHICH MAY BE ON A DEMAND BASIS AT ANY TIME IN
BANK'S SOLE AND ABSOLUTE DISCRETION, WITH OR WITHOUT REASON OR CAUSE, AND THE
EXISTENCE OF ANY EVENT OF DEFAULT HEREUNDER SHALL NOT BE THE SOLE REASON OR
BASIS FOR ENABLING BANK TO MAKE DEMAND FOR PAYMENT OF ALL OR ANY PART OF SUCH
LIABILITIES.

     10.  No forbearance on the part of the Bank in enforcing any of its rights
or remedies under this Agreement or any other Loan Document, nor any renewal,
extension or rearrangement of any payment or covenant to be made or performed by
Company hereunder or any such other Loan Document, shall constitute a waiver of
any of the terms of this Agreement or such Loan Document or of any such right or
remedy.

     11. This Agreement shall be governed by and construed and enforced in
accordance with the laws of the State of Michigan.

                                       17

<PAGE>   18

     12. All covenants, agreements, representations and warranties by or on
behalf of Company made in connection with this Agreement and any other Loan
Documents shall survive the borrowing hereunder or thereunder and shall be
deemed to have been relied upon by Bank. All statements contained in any
certificate or other document delivered to Bank at any time by or on behalf of
Company pursuant hereto shall constitute representations and warranties by
Company.

     13. This Agreement shall inure to the benefit of and shall be binding upon
the parties hereto and their respective successors and assigns; provided,
however, that Company shall not assign or transfer any of its rights or
obligations hereunder or otherwise in respect of any of the Liabilities without
the prior written consent of Bank.

     14. COMPANY AND BANK ACKNOWLEDGE THAT THE RIGHT TO TRIAL BY JURY IS A
CONSTITUTIONAL ONE, BUT THAT IT MAY BE WAIVED. EACH PARTY, AFTER CONSULTING (OR
HAVING HAD THE OPPORTUNITY TO CONSULT) WITH COUNSEL OF THEIR CHOICE, KNOWINGLY
AND VOLUNTARILY, AND FOR THEIR MUTUAL BENEFIT, WAIVE ANY RIGHT TO TRIAL BY JURY
IN THE EVENT OF LITIGATION REGARDING THE PERFORMANCE OR ENFORCEMENT OF, OR IN
ANY WAY RELATED TO, THIS AGREEMENT OR THE LIABILITIES.

     If the foregoing is acceptable to Company, please indicate such with the
authorized signature(s) of Company as provided below.

                                   Very truly yours,

                                   COMERICA BANK

                                   By: /s/ Ronald M. Ruks
                                      -------------------------------------

                                   Its: Account Officer
                                      -------------------------------------

ACCEPTED AND AGREED:

GENOMIC SOLUTIONS, INC.

 By:  Steven J. Richvalsky
     -------------------------------------

 Its: Chief Financial Officer
     -------------------------------------

Dated: August 10, 1998
     -------------------------------------

<PAGE>   19

                      NOTICE OF EXTENSION OF MATURITY DATE

              With reference to that certain $2,000,000.00 Master Revolving Note
     dated as of August 10, 1998 (the "Note"), executed and delivered by
     GENOMIC SOLUTIONS, INC., a Delaware corporation ("Company"), unto Comerica
     Bank, a Michigan banking corporation ("Bank"), the Bank hereby agrees to
     extend the Maturity Date of the Note from July 1, 1999, to July 1, 2000.

              This Notice is for the sole and exclusive purpose of extending the
     Maturity Date of the Note, and, except as so modified hereby, all other
     terms and conditions of the Note shall remain in full force and effect.
     Nothing set forth herein shall be deemed to be a release, discharge or
     novation of any of the Indebtedness of Company to Bank under the Note, and
     all of such Indebtedness shall continue to be evidenced by and governed by
     the Note.

              Capitalized terms used but not otherwise defined herein shall have
     the respective meanings given to them in the Note.

                                                COMERICA BANK

                                                By:  /s/ Ronald M. Ruks
                                                     ---------------------------

                                                Its: Account Officer
                                                     ---------------------------

                                                Dated: 4/23/99
                                                       -------------------------

      ACKNOWLEDGED AND AGREED:

      GENOMIC SOLUTIONS, INC.

      By: /s/ Steven J. Richvalsky
          -------------------------------

       Its: Executive Vice President
            Chief Financial Officer
            -----------------------------

<PAGE>   20
                                                                 [COMERICA LOGO]

COMERICA BANK                            REGIONAL METROPOLITAN CORPORATE BANKING
                                                         WEST OAKLAND LOAN GROUP
                                                               35405 GRAND RIVER
                                                      FARMINGTON, MICHIGAN 48335
                                                       TELEPHONE: (248) 442-9708
                                                             FAX: (248) 442-9710

                                                                     RON M. RUKS
                                                                 ACCOUNT OFFICER

April 23, 1999

Mr. Steven Richvalsky
CFO
Genomic Solutions Inc.
4355 Varsity Dr., Suite E
Ann Arbor, MI 48108

Dear Mr. Richvalsky:

I am pleased to inform you that Comerica Bank ("Comerica") has agreed to extend
the working capital loan until July 1, 2000 (the "Loan") to Genomic Solutions,
Inc. for those purposes and on those terms and conditions set forth on the
attached Term Sheet (the "Commitment").

As a condition to extending this credit facility, Comerica must be provided with
all documents and information required by Comerica in form and substance
satisfactory to Comerica within a reasonable period of time. A further condition
of extending this credit facility is continued compliance with the existing
letter agreement and amendment between Genomic Solutions, Inc. and Comerica.

The financial services industry is extremely competitive. We view our approaches
and insights in the development of a complete value generating financing program
as proprietary. As such, we expect that the financing arrangements discussed
here herein be kept in confidence. This content should not be shared with other
financial institutions by you, the borrower, or by your financial advisors,
excluding lenders associated with the $6,000,000 subordinated debt financing.

Please indicate your acceptance of this Commitment by signing below where
indicated, and return your signed copy of this letter to me. This Commitment may
only be accepted as drawn, and may not be accepted in part, conditionally or
subject to modification.

Please call me at (248) 442-9708 if you have any questions regarding the terms
of this Commitment or the closing of this transaction.

Sincerely,

COMERICA BANK

By:  /s/ Ron M. Ruks
     --------------------------
     Ron M. Ruks

Its: Account Officer

<PAGE>   21
                                                                 [COMERICA LOGO]

                                   ACCEPTANCE

The undersigned hereby accepts this Commitment and agrees to be fully bound by
the terms and conditions set forth therein.

GENOMIC SOLUTIONS, INC.

By:     /s/ Steven J. Richvalsky
        -------------------------
        Steven J. Richvalsky

Title:  CFO

Date:   April 23, 1999
        -------------------------

Attachment

                                        2

<PAGE>   22

                                 April 29, 1999

Genomic Solutions, Inc.
4355 Varsity Drive, Suite E
Ann Arbor, MI 48108

                                           Amendment No. 1 Letter Loan Agreement

Gentlemen:

         This letter (this "Amendment") amends the letter loan agreement (the
"Agreement") dated August 10, 1998 by and between Comerica Bank, a Michigan
banking corporation ("Bank"), and Genomic Solutions, Inc. a Delaware
corporation ("Company"). Terms used and not otherwise defined in this
Amendment have the meanings ascribed to them in the Agreement.

         In consideration of the mutual promises made in this Amendment, and
other valuable consideration, the receipt and sufficiency of which is
acknowledged, Bank and Company agree as follows:

1.   Section 1 of the Agreement is amended to add the following additional
     definitions in appropriate alphabetical order:

     "Effective Tangible Net Worth" shall mean for any applicable Person(s)' and
      as of any applicable time of determination thereof, the sum of the
     Person(s)' Tangible Net Worth plus the Person(s) Subordinated Debt.

     "Subordinated Debt" shall mean, for any applicable Person(s) and as of any
     applicable time of determination thereof, debt of the Person(s)
     subordinated to the Person(s)' debt to Bank, in manner and by agreement
     satisfactory to Bank.

2.   Section 1 of the Agreement is further amended by deleting the definition
     of Current Liabilities in its entirety and replacing it with the following:
     "Current Liabilities" shall mean, for any applicable Person(s) and as of
     any applicable time of determination, the difference of (a) all Debt of
     such Person(s) which would be classified as a current liability at such
     time in accordance with GAAP, including, without limitation, any portion of
     the Liabilities so classified as a current liability at such time minus
     (b) the current maturities of capital lease obligations at such time,
     determined in accordance with GAAP.

3.   Subsection 4(a)(ii) is amended by replacing the terms "forty-five (45)
     days" with "thirty (30) days"

4.   Subsection 4(g) of the Agreement is amended by deleting it in its entirety
     and replacing with the following:

<PAGE>   23

Genomic Solutions, Inc.
April 29, 1999
Page 2

     (g)  Maintain a Consolidated Effective Tangible Net Worth of not less than
          the following amounts during each of the following specified periods.
<TABLE>
<CAPTION>
                      Period                                                      Amount
                      ------                                                      ------
<S>             <C>                                                               <C>
          (i)   From the date of this Agreement through April 29, 1999            $1,000,000
          (ii)  From April 30, 1999 through June 30, 1999                         $4,650,000
          (iii) From July 1, 1999 through September 30,1999                       $3,250,000
          (iv)  From October 1, 1999 through January 30, 2000                     $2,900,000
          (v)   From and after January 31, 2000                                   $7,500,000
</TABLE>

5.   Subsection 4(h) of the Agreement is amended by deleting it in its entirety
     and replacing it with the following:

     (h)  Maintain, on a non-consolidated basis, an Effective Tangible Net Worth
          of not less than the following amounts during each of the following
          respective specified periods (figures in parenthesis indicate a
          negative amount):
<TABLE>
<CAPTION>
                      Period                                                      Amount
                      ------                                                      ------
<S>             <C>                                                               <C>
          (i)   From the date of this Agreement through April 29, 1999            ($500,000)
          (ii)  From April 30, 1999 through June 30, 1999                         $2,900,000
          (iii) From July 1, 1999 through September 30, 1999                      $1,500,000
          (iv)  From October 1, 1999 through January 30, 2000                     $1,150,000
          (v)   From and after January 31, 2000                                   $5,750,000
</TABLE>

6.   Section 4(i) of the Agreement is amended by deleting it in its entirety and
     replacing it with the following:

     (i)  Maintain Consolidated Working Capital of not less than the following
          amounts during each of the following respective periods:
<TABLE>
<CAPTION>
                     Period                                                       Amount
                     ------                                                       ------
<S>             <C>                                                               <C>
          (i)   From the date of this Agreement through April 29, 1999            0
          (ii)  From April 30, 1999 through June 30, 1999                         $3,500,000
          (iii) From July 1, 1999 through September 30, 1999                      $1,900,000
          (iv)  From October 1, 1999 through January 30, 2000                     $1,350,000
          (vi)  From and after January 31, 2000                                   $6,000,000
</TABLE>

<PAGE>   24
Genomic Solutions, Inc.
April 29, 1999
Page 3

7.   Subsection 4(j) of the Agreement is amended by deleting in its entirety
     and replacing it with the following:

     (j)  Maintain, on a non-consolidated basis, Working Capital of not less
          than the following amounts during each of the following respective
          specified periods (figures in parenthesis indicate a negative amount):

<TABLE>
<CAPTION>
                     Period                                                       Amount
                     ------                                                       ------
<S>                 <C>                                                           <C>

          (i)   From the date of this Agreement through April 29, 1999            (1,000,000)
          (ii)  From April 30, 1999 through June 30, 1999                         $2,500,000
          (iii) From July 1, 1999 through September 30, 1999                      $  900,000
          (iv)  From October 1, 1999 through January 30, 2000                     $  350,000
          (vi)  From and after January 31, 2000                                   $5,000,000
</TABLE>

8.   Section 4 of the Agreement is further amended to add the following
     additional subsection (m):

     (m)  Prior to April 30, 1999, close on terms acceptable to Bank the
          subordinated debt financing in the aggregate principal amount of at
          least S6,000,000 described in the letter of intent, dated March 17,
          1999 issued by White Pines Limited Partnership I and Pacific L.P. and
          accepted by the Company (the "April, 1998 Subordinated Debt").

9.   Subsection 5(c) of the Agreement is amended to add the following additional
     clauses (vii) and (viii):

     (vii)  any liens or encumbrances on specific leased equipment under lease
            facilities between the Company and third parties, including
            Transamerica Business Credit Corporation, which facilities in the
            aggregate do not exceed $3,000,000 (the "Lease Facilities").

     (viii) liens or encumbrances on assets of the Company and its subsidiaries,
            in connection with the April, 1998 Subordinated Debt Financing,

10.  Subsection 5(d) of the Agreement is amended to add the following additional
     clauses (vi) and (vii):

     (vi)  indebtedness and/or rents and other lease obligations under the Lease
           facilities.

<PAGE>   25

Genomic Solutions, Inc.
April 29, 1999
Page 4

     (vii) the April 1998 Subordinated Debt Financing.

11.  Schedules 5(c) and 5(d) to the Agreement are replaced by Schedules 5(c)
     and 5(d) to this Amendment.

12.  On or before October 31, 1999, the Company must execute an Advance
     Formula Agreement in the form attached hereto as Exhibit A.

13.  In consideration for the Bank's entering into this Amendment, the
     Company shall pay the Bank an amendment fee of S40,000. In addition,
     Company shall reimburse Bank for all of Bank's out-of-pocket expenses
     and reasonable attorney fees incurred in connection with the closing of
     the transactions contemplated by this Amendment.

14.  The Company hereby reaffirms the representations and warranties set
     forth in Section 3 of the Agreement and acknowledges and confirms that
     those representations and warranties are continuing representations and
     warranties during the life of the Agreement. Without limiting the
     foregoing, the Company reaffirms those representations and warranties as of
     October 31, 1998 and as of April 29, 1999.

15.  The effectiveness of this Amendment is conditioned on the Bank's receipt of
     the following:

     a.   The amendment fee of $40,000.

     b.   A pledge of all of the Company's equity interests in all of its
          Subsidiaries, including without limitation Genomic Solutions Ltd.
          ("Genomic-U.K.") and Genomic Solutions, K.K. ("Genomic-Japan") as
          collateral security for the Company's Liabilities to the Bank,
          together with original stock certificates and stock powers signed in
          blank.

     c.   Guaranties of all of Company's obligations to Bank executed by each of
          Company's Subsidiaries, including without limitation Genomic-U.K. and
          Genomic-Japan.

     d.   No later than May 15, 1999, Certified Articles of Incorporation,
          Bylaws, and Good Standing Certificate (or comparable documents for the
          jurisdiction of incorporation) of Genomic-U.K., Articles of
          Incorporation (or comparable documents for the jurisdiction of
          incorporation) of Genomic-Japan, certified by an authorized officer
          or director of Genomic-Japan and Resolutions duly adopted by the
          respective boards of directors of Genomic-U.K. and Genomic-Japan, in
          each case certified by an authorized officer of director and
          authorizing execution of their respective guaranties and such other
          matters as Bank may reasonably require.

<PAGE>   26
Genomic Solutions, Inc.
Apnil 29, 1999
Page 5

15.  Except as amended by this Amendment, the terms of the Agreement and the
     other Loan Documents shall remain in full force and effect.

16.  This Amendment is executed as of April 29, 1999, but effective as of
     October 31, 1998.

17.  If the foregoing is acceptable to Company, please indicate such with the
     authorized signature of Company as provided below.

<PAGE>   27

Genomic Solutions, Inc.
April 29, 1999
Page 6

                                                Very truly yours,

                                                COMERICA BANK

                                                By:  Ronald M. Ruks
                                                     --------------------------

                                                Its: Account Officer
                                                     --------------------------

ACCEPTED AND AGREED:

GENOMIC SOLUTIONS, INC.

By:  Steven J. Richvalsky
     ----------------------------------

Its: Executive Vice President & CFO
     ----------------------------------

Dated: April 29, 1999
       --------------------------------

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