Document:

EXHIBIT 10.1

                          OMMERCIAL SECURITY AGREEMENT
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Borrower: Chesapeake Logistics LLC                     Lender: The Money Store
          11622 Boiling Brook Parkway                  Investment Corporation
          Rockville, MD 20852                          P.O. Box 162247
                                                       Sacramento, CA 95816-2247

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  THIS COMMERCIAL SECURITY AGREEMENT IS ENTERED INTO BETWEEN CHESAPEAKE
  LOGISTICS LLC (REFERRED TO BELOW AS "GRANTOR"); AND THE MONEY STORE INVESTMENT
  CORPORATION (REFERRED TO BELOW AS "LENDER"). FOR VALUABLE CONSIDERATION,
  GRANTOR GRANTS TO LENDER A SECURITY INTEREST IN THE COLLATERAL TO SECURE THE
  INDEBTEDNESS AND AGREES THAT LENDER SHALL HAVE THE RIGHTS STATED IN THIS
  AGREEMENT WITH RESPECT TO THE COLLATERAL, IN ADDITION TO ALL OTHER RIGHTS
  WHICH LENDER MAY HAVE BY LAW.

  DEFINITIONS. The following words shall have the following meanings when used
  in this Agreement. Terms not otherwise defined in this Agreement shall have
  the meanings attributed to such terms in the Uniform Commercial Code. All
  references to dollar amounts shall mean amounts in lawful money of the United
  States of America.

      AGREEMENT. The word "Agreement" means this Commercial Security Agreement,
      as this Commercial Security Agreement may be amended or modified from time
      to time, together with all exhibits and schedules attached to this
      Commercial Security Agreement from time to time.

      COLLATERAL. The word "Collateral" means the following described property
      of Grantor, whether now owned or hereafter acquired, whether now existing
      or hereafter arising, and wherever located:

           MACHINERY AND EQUIPMENT AND FURNITURE

      In addition, the word "Collateral" includes all the following, whether now
      owned or hereafter acquired, whether now existing or hereafter arising,
      and wherever located:

           (a) All attachments, accessions, accessories, tools, parts, supplies,
           increases, and additions to and all replacements of and substitutions
           for any property described above.

           (b) All products and produce of any of the property described in this
           Collateral section.

           (c) All accounts, general intangibles, instruments, rents, monies,
           payments, and all other rights, arising out of a sale, lease, or
           other disposition of any of the property described in this Collateral
           section.

           (d) All proceeds (including insurance proceeds) from the sale,
           destruction, loss, or other disposition of any of the property
           described in this Collateral section.

           (e) All records and data relating to any of the property described in
           this Collateral section, whether in the form of a writing,
           photograph, microfilm, microfiche, or electronic media, together with
           all of Grantor's right, title, and interest in and to all computer
           software required to utilize, create, maintain, and process any such
           records or data on electronic media.

      EVENT OF DEFAULT. The words "Event of Default" mean and include without
      limitation any of the Events of Default set forth below in the section
      titled "Events of Default."

      GRANTOR. The word "Grantor" means Chesapeake Logistics LLC, its successors
      and assigns.

      GUARANTOR. The word "Guarantor" means and includes without limitation each
      and all of the guarantors, sureties, and accommodation parties in
      connection with the Indebtedness and their personal representatives,
      successors and assigns.

      INDEBTEDNESS. The word "Indebtedness" means the indebtedness evidenced by
      the Note, including all principal, interest, and fees, costs, and
      expenses, if any, together with all modifications of and renewals,
      replacements and substitutions for any of the foregoing.

      LENDER. The word "Lender" means The Money Store Investment Corporation,
      its successors and assigns.

      NOTE. The word "Note" means the note or credit agreement dated 9/29/00, in
      the principal amount of $700,000.00 from Chesapeake Logistics LLC to
      Lender, together with all modifications of and renewals, replacements, and
      substitutions for the note or credit agreement.

      RELATED DOCUMENTS. The words "Related Documents" mean and include without
      limitation all promissory notes, credit agreements, loan agreements,
      environmental agreements, guaranties, security agreements, mortgages,
      deeds of trust, and all other instruments, agreements and documents,
      whether now or hereafter existing, executed in connection with the
      Indebtedness.

  OBLIGATIONS OF GRANTOR. Grantor warrants and covenants to Lender as follows:

      ORGANIZATION. Grantor is a limited liability company which is duly
      organized, validly existing, and in good standing under the laws of the
      State of Maryland.

      AUTHORIZATION. The execution, delivery, and performance of this Agreement
      by Grantor have been duly authorized by all necessary action by Grantor
      and do not conflict with, result in a violation of, or constitute a
      default under (a) any provision of the membership agreement, or any
      agreement or other instrument binding upon Grantor or (b) any law,
      governmental regulation, court decree, or order applicable to Grantor.

      PERFECTION OF SECURITY INTEREST. Grantor agrees to execute such financing
      statements and to take whatever other actions are requested by Lender to
      perfect and continue Lender's security interest in the Collateral. Upon
      request of Lender, Grantor will deliver to Lender any and all of the
      documents evidencing or constituting the Collateral, and Grantor will note
      Lender's interest upon any and all chattel paper if not delivered to
      Lender for possession by Lender. Grantor hereby appoints Lender as its
      irrevocable attorney-in-fact for the purpose of executing any documents
      necessary to perfect or to continue the security interest granted in this
      Agreement. Lender may at any time, and without further authorization from
      Grantor, file a carbon, photographic or other reproduction of any
      financing statement or of this Agreement for use as a financing statement.
      Grantor will reimburse Lender for all expenses for the perfection and the
      continuation of the perfection of Lender's security interest in the
      Collateral. Grantor promptly will notify Lender before any change in
      Grantor's name including any change to the assumed business names of
      Grantor.

      NO VIOLATION. The execution and delivery of this Agreement will not
      violate any law or agreement governing Grantor or to which Grantor is a
      party, and its membership agreement does not prohibit any term or
      condition of this Agreement.

      ENFORCEABILITY OF COLLATERAL. To the extent the Collateral consists of
      accounts, chattel paper, or general intangibles, the Collateral is
      enforceable in accordance with its terms, is genuine, and complies with
      applicable laws concerning form, content and manner of preparation and
      execution, and all persons appearing to be obligated on the Collateral
      have authority and capacity to contract and are in fact obligated as they
      appear to be on the Collateral.

<PAGE>
                          COMMERCIAL SECURITY AGREEMENT                   PAGE 2
LOAN NO 110368693                  (CONTINUED)
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     LOCATION OF THE COLLATERAL. Grantor, upon request of Lender, will deliver
     to Lender in form satisfactory to Lender a schedule of real properties and
     Collateral locations relating to Grantor's operations, including without
     limitation the following: (a) all real property owned or being purchased by
     Grantor; (b) all real property being rented or leased by Grantor; (c) all
     storage facilities owned, rented, leased, or being used by Grantor; and (d)
     all other properties where Collateral is or may be located. Except in the
     ordinary course of its business, Grantor shall not remove the Collateral
     from its existing locations without the prior written consent of Lender.

     REMOVAL OF COLLATERAL. Grantor shall keep the Collateral (or to the extent
     the Collateral consists of intangible property such as accounts, the
     records concerning the Collateral) at Grantor's address shown above, or at
     such other locations as are acceptable to Lender. Except in the ordinary
     course of its business, including the sales of inventory, Grantor shall not
     remove the Collateral from its existing locations without the prior written
     consent of Lender. To the extent that the Collateral consists of vehicles,
     or other titled property, Grantor shall not take or permit any action which
     would require application for certificates of title for the vehicles
     outside the State of Maryland, without the prior written consent of Lender.

     TRANSACTIONS INVOLVING COLLATERAL. Except for inventory sold or accounts
     collected in the ordinary course of Grantor's business, Grantor shall not
     sell, offer to sell, or otherwise transfer or dispose of the Collateral.
     While Grantor is not in default under this Agreement, Grantor may sell
     inventory, but only in the ordinary course of its business and only to
     buyers who qualify as a buyer in the ordinary course of business. A sale in
     the ordinary course of Grantor's business does not include a transfer in
     partial or total satisfaction of a debt or any bulk sale. Grantor shall not
     pledge, mortgage, encumber or otherwise permit the Collateral to be subject
     to any lien, security interest, encumbrance, or charge, other than the
     security interest provided for in this Agreement, without the prior written
     consent of Lender. This includes security interests even if junior in right
     to the security interests granted under this Agreement. Unless waived by
     Lender, all proceeds from any disposition of the Collateral (for whatever
     reason) shall be held in trust for Lender and shall not be commingled with
     any other funds; provided however, this requirement shall not constitute
     consent by Lender to any sale or other disposition. Upon receipt, Grantor
     shall immediately deliver any such proceeds to Lender.

     TITLE. Grantor represents and warrants to Lender that it holds good and
     marketable title to the Collateral, free and clear of all liens and
     encumbrances except for the lien of this Agreement. No financing statement
     covering any of the Collateral is on file in any public office other than
     those which reflect the security interest created by this Agreement or to
     which Lender has specifically consented. Grantor shall defend Lender's
     rights in the Collateral against the claims and demands of all other
     persons.

     COLLATERAL SCHEDULES AND LOCATIONS. Insofar as the Collateral consists of
     Inventory, Grantor shall deliver to Lender, as often as Lender shall
     require, such lists, descriptions, and designations of such Collateral as
     Lender may require to identify the nature, extent, and location of such
     Collateral. Such information shall be submitted for Grantor and each of its
     subsidiaries or related companies.

     MAINTENANCE AND INSPECTION OF COLLATERAL. Grantor shall maintain all
     tangible Collateral in good condition and repair. Grantor will not commit
     or permit damage to or destruction of the Collateral or any part of the
     Collateral. Lender and its designated representatives and agents shall have
     the right at all reasonable times to examine, inspect, and audit the
     Collateral wherever located.

     TAXES, ASSESSMENTS AND LIENS. Grantor will pay when due all taxes,
     assessments and liens upon the Collateral, its use or operation, upon this
     Agreement, upon any promissory note or notes evidencing the Indebtedness,
     or upon any of the other Related Documents. Grantor may withhold any such
     payment or may elect to contest any lien if Grantor is in good faith
     conducting an appropriate proceeding to contest the obligation to pay and
     so long as Lender's interest in the Collateral is not jeopardized in
     Lender's sole opinion. If the Collateral is subjected to a lien which is
     not discharged within fifteen (15) days, Grantor shall deposit with Lender
     cash, a sufficient corporate surety bond or other security satisfactory to
     Lender in an amount adequate to provide for the discharge of the lien plus
     any interest, costs, attorneys' fees or other charges that could accrue as
     a result of foreclosure or sale of the Collateral. In any contest Grantor
     shall defend itself and Lender and shall satisfy any final adverse judgment
     before enforcement against the Collateral. Grantor shall name Lender as an
     additional obligee under any surety bond furnished in the contest
     proceedings.

     COMPLIANCE WITH GOVERNMENTAL REQUIREMENTS. Grantor shall comply promptly
     with all laws, ordinances, rules and regulations of all governmental
     authorities, including without limitation all environmental laws,
     ordinances, rules and regulations, now or hereafter in effect, applicable
     to the ownership, production, disposition, or use of the Collateral.
     Grantor may contest in good faith any such law, ordinance or regulation and
     withhold compliance during any proceeding, including appropriate appeals,
     so long as Lender's interest in the Collateral, in Lender's opinion, is not
     jeopardized.

     HAZARDOUS SUBSTANCES. Grantor represents and warrants that the Collateral
     never has been, and never will be so long as this Agreement remains a lien
     on the Collateral, used for the generation, manufacture, storage,
     transportation, treatment, disposal, release or threatened release of any
     hazardous waste or substance, as those terms are defined in the
     Comprehensive Environmental Response, Compensation, and Liability Act of
     1980, as amended, 42 U.S.C. Section 9601, et seq. ("CERCLA"), the Superfund
     Amendments and Reauthorization Act of 1986, Pub. L. No. 99-499 ("SARA"),
     the Hazardous Materials Transportation Act, 49 U.S.C. Section 1801, et
     seq., the Resource Conservation and Recovery Act, 42 U.S.C. Section 6901,
     et seq., or other applicable state or Federal laws, rules, or regulations
     adopted pursuant to any of the foregoing. The terms "hazardous waste" and
     "hazardous substance" shall also include, without limitation, petroleum and
     petroleum by-products or any fraction thereof and asbestos. The
     representations and warranties contained herein are based on Grantor's due
     diligence in investigating the Collateral for hazardous wastes and
     substances. Grantor hereby (a) releases and waives any future claims
     against Lender for indemnity or contribution in the event Grantor becomes
     liable for cleanup or other costs under any such laws, and (b) agrees to
     indemnify and hold harmless Lender against any and all claims and losses
     resulting from a breach of this provision of this Agreement. This
     obligation to indemnify shall survive the payment of the Indebtedness and
     the satisfaction of this Agreement.

     MAINTENANCE OF CASUALTY INSURANCE. Grantor shall procure and maintain all
     risks insurance, including without limitation fire, theft and liability
     coverage together with such other insurance as Lender may require with
     respect to the Collateral, in form, amounts, coverages and basis acceptable
     to Lender and issued by a company or companies acceptable to Lender.
     Grantor, upon request of Lender, will deliver to Lender from time to time
     the policies or certificates of insurance in form satisfactory to Lender,
     including stipulations that coverages will not be cancelled or diminished
     without at least ten (10) days' prior written notice to Lender and not
     including any disclaimer of the insurer's liability for failure to give
     such a notice. Each insurance policy also shall include an endorsement
     providing that coverage in favor of Lender will not be impaired in any way
     by any act, omission or default of Grantor or any other person. In
     connection with all policies covering assets in which Lender holds or is
     offered a security interest, Grantor will provide Lender with such loss
     payable or other endorsements as Lender may require. If Grantor at any time
     fails to obtain or maintain any insurance as required under this Agreement,
     Lender may (but shall not be obligated to) obtain such insurance as Lender
     deems appropriate, including if it so chooses "single interest insurance,"
     which will cover only Lender's interest in the Collateral.

     APPLICATION OF INSURANCE PROCEEDS. Grantor shall promptly notify Lender of
     any loss or damage to the Collateral. Lender may make proof of loss if
     Grantor fails to do so within fifteen (15) days of the casualty. All
     proceeds of any insurance on the Collateral, including accrued proceeds
     thereon, shall be held by Lender as part of the Collateral. If Lender
     consents to repair or replacement of the damaged or destroyed Collateral,
     Lender shall, upon satisfactory proof of expenditure, pay or reimburse
     Grantor from the proceeds for the reasonable cost of repair or restoration.
     If Lender does not consent to repair or replacement of the Collateral,
     Lender shall retain a sufficient amount of the proceeds to pay all of the
     Indebtedness, and shall pay the balance to Grantor. Any proceeds which have
     not been disbursed within six (6) months after their receipt and which
     Grantor has not committed to the repair or restoration of the Collateral
     shall be used to prepay the Indebtedness.

<PAGE>
                          COMMERCIAL SECURITY AGREEMENT                   PAGE 3
LOAN NO 110368693                  (CONTINUED)
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     INSURANCE REPORTS. Grantor, upon request of Lender, shall furnish to Lender
     reports on each existing policy of insurance showing such information as
     Lender may reasonably request including the following: (a) the name of the
     insurer; (b) the risks insured; (c) the amount of the policy; (d) the
     property insured; (e) the then current value on the basis of which
     insurance has been obtained and the manner of determining that value; and
     (f) the expiration date of the policy. In addition, Grantor shall upon
     request by Lender (however not more often than annually) have an
     independent appraiser satisfactory to Lender determine, as applicable, the
     cash value or replacement cost of the Collateral.

 GRANTOR'S RIGHT TO POSSESSION. Until default, Grantor may have possession of
 the tangible personal property and beneficial use of all the Collateral and may
 use it in any lawful manner not inconsistent with this Agreement or the Related
 Documents, provided that Grantor's right to possession and beneficial use shall
 not apply to any Collateral where possession of the Collateral by Lender is
 required by law to perfect Lender's security interest in such Collateral. If
 Lender at any time has possession of any Collateral, whether before or after an
 Event of Default, Lender shall be deemed to have exercised reasonable care in
 the custody and preservation of the Collateral if Lender takes such action for
 that purpose as Grantor shall request or as Lender, in Lender's sole
 discretion, shall deem appropriate under the circumstances, but failure to
 honor any request by Grantor shall not of itself be deemed to be a failure to
 exercise reasonable care. Lender shall not be required to take any steps
 necessary to preserve any rights in the Collateral against prior parties, nor
 to protect, preserve or maintain any security interest given to secure the
 Indebtedness.

 EXPENDITURES BY LENDER. If not discharged or paid when due, Lender may (but
 shall not be obligated to) discharge or pay any amounts required to be
 discharged or paid by Grantor under this Agreement, including without
 limitation all taxes, liens, security interests, encumbrances, and other
 claims, at any time levied or placed on the Collateral. Lender also may (but
 shall not be obligated to) pay all costs for insuring, maintaining and
 preserving the Collateral. All such expenditures incurred or paid by Lender for
 such purposes will then bear interest at the rate charged under the Note from
 the date incurred or paid by Lender to the date of repayment by Grantor. All
 such expenses shall become a part of the Indebtedness and, at Lender's option,
 will (a) be payable on demand, (b) be added to the balance of the Note and be
 apportioned among and be payable with any installment payments to become due
 during either (i) the term of any applicable insurance policy or (ii) the
 remaining term of the Note, or (c) be treated as a balloon payment which will
 be due and payable at the Note's maturity. This Agreement also will secure
 payment of these amounts. Such right shall be in addition to all other rights
 and remedies to which Lender may be entitled upon the occurrence of an Event of
 Default.

 EVENTS OF DEFAULT. Each of the following shall constitute an Event of Default
 under this Agreement:

     DEFAULT ON INDEBTEDNESS. Failure of Grantor to make any payment when due on
     the Indebtedness.

     ENVIRONMENTAL DEFAULT. Failure of any party to comply with or perform when
     due any term, obligation, covenant or condition contained in any
     environmental agreement executed in connection with any Loan.

     OTHER DEFAULTS. Failure of Grantor to comply with or to perform any other
     term, obligation, covenant or condition contained in this Agreement or in
     any of the Related Documents or in any other agreement between Lender and
     Grantor.

     FALSE STATEMENTS. Any warranty, representation or statement made or
     furnished to Lender by or on behalf of Grantor under this Agreement, the
     Note or the Related Documents is false or misleading in any material
     respect, either now or at the time made or furnished.

     DEFECTIVE COLLATERALIZATION. This Agreement or any of the Related Documents
     ceases to be in full force and effect (including failure of any collateral
     documents to create a valid and perfected security interest or lien) at any
     time and for any reason.

     DEATH OR INSOLVENCY. The dissolution (regardless of whether election to
     continue is made), any member withdraws from the limited liability company,
     or any other termination of Grantor's existence as a going business or the
     death of any member, the insolvency of Grantor, the appointment of a
     receiver for any part of Grantor's property, any assignment for the benefit
     of creditors, any type of creditor workout, or the commencement of any
     proceeding under any bankruptcy or insolvency laws by or against Grantor.

     CREDITOR OR FORFEITURE PROCEEDINGS. Commencement of foreclosure or
     forfeiture proceedings, whether by judicial proceeding, self-help,
     repossession or any other method, by any creditor of Grantor or by any
     governmental agency against the Collateral or any other collateral securing
     the Indebtedness. This includes a garnishment of any of Grantor's deposit
     accounts with Lender. However, this Event of Default shall not apply if
     there is a good faith dispute by Grantor as to the validity or
     reasonableness of the claim which is the basis of the creditor or
     forfeiture proceeding and if Grantor gives Lender written notice of the
     creditor or forfeiture proceeding and deposits with Lender monies or a
     surety bond for the creditor or forfeiture proceeding, in an amount
     determined by Lender, in its sole discretion, as being an adequate reserve
     or bond for the dispute.

     EVENTS AFFECTING GUARANTOR. Any of the preceding events occurs with respect
     to any Guarantor of any of the Indebtedness or such Guarantor dies or
     becomes incompetent. Lender, at its option, may, but shall not be required
     to, permit the Guarantor's estate to assume unconditionally the obligations
     arising under the guaranty in a manner satisfactory to Lender, and, in
     doing so, cure the Event of Default.

     ADVERSE CHANGE. A material adverse change occurs in Grantor's financial
     condition, or Lender believes the prospect of payment or performance of the
     Indebtedness is impaired. INSECURITY. Lender, in good faith, deems itself
     insecure.

     RIGHT TO CURE. If any default, other than a Default on Indebtedness, is
     curable and if Grantor has not been given a prior notice of a breach of the
     same provision of this Agreement, it may be cured (and no Event of Default
     will have occurred) if Grantor, after Lender sends written notice demanding
     cure of such default, (a) cures the default within fifteen (15) days; or
     (b), if the cure requires more than fifteen (15) days, immediately
     initiates steps which Lender deems in Lender's sole discretion to be
     sufficient to cure the default and thereafter continues and completes all
     reasonable and necessary steps sufficient to produce compliance as soon as
     reasonably practical.

 RIGHTS AND REMEDIES ON DEFAULT. If an Event of Default occurs under this
 Agreement, at any time thereafter, Lender shall have all the rights of a
 secured party under the Maryland Uniform Commercial Code. In addition and
 without limitation, Lender may exercise anyone or more of the following rights
 and remedies:

     ACCELERATE INDEBTEDNESS. Lender may declare the entire Indebtedness,
     including any prepayment penalty which Grantor would be required to pay,
     immediately due and payable, without notice.

     ASSEMBLE COLLATERAL. Lender may require Grantor to deliver to Lender all or
     any portion of the Collateral and any and all certificates of title and
     other documents relating to the Collateral. Lender may require Grantor to
     assemble the Collateral and make it available to Lender at a place to be
     designated by Lender. Lender also shall have full power to enter upon the
     property of Grantor to take possession of and remove the Collateral. If the
     Collateral contains other goods not covered by this Agreement at the time
     of repossession, Grantor agrees Lender may take such other goods, provided
     that Lender makes reasonable efforts to return them to Grantor after
     repossession.

     SELL THE COLLATERAL. Lender shall have full power to sell, lease, transfer,
     or otherwise deal with the Collateral or proceeds thereof in its own name
     or that of Grantor. Lender may sell the Collateral at public auction or
     private sale. Unless the Collateral threatens to decline speedily in value
     or is of a type customarily sold on a recognized market, Lender will give
     Grantor reasonable notice of the time after which any private sale or any
     other intended disposition of the Collateral is to be made. The
     requirements of reasonable notice shall be met if such notice is given at
     least ten (10) days before the time of the sale or disposition. All
     expenses relating to the disposition of the Collateral, including without
     limitation the expenses of retaking, holding, insuring, preparing for sale
     and selling the Collateral, shall become a part of the Indebtedness secured
     by this Agreement and shall be payable on demand, with interest at the Note
     rate from date of expenditure until repaid.

<PAGE>
                          COMMERCIAL SECURITY AGREEMENT                   PAGE 4
LOAN NO 110368693                  (CONTINUED)
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     APPOINT RECEIVER. To the extent permitted by applicable law, Lender shall
     have the following rights and remedies regarding the appointment of a
     receiver: (a) Lender may have a receiver appointed as a matter of right,
     (b) the receiver may be an employee of Lender and may serve without bond,
     and (c) all fees of the receiver and his or her attorney shall become part
     of the Indebtedness secured by this Agreement and shall be payable on
     demand, with interest at the Note rate from date of expenditure until
     repaid.

     COLLECT REVENUES, APPLY ACCOUNTS. Lender, either itself or through a
     receiver, may collect the payments, rents, income, and revenues from the
     Collateral. Lender may at any time in its discretion transfer any
     Collateral into its own name or that of its nominee and receive the
     payments, rents, income, and revenues therefrom and hold the same as
     security for the Indebtedness or apply it to payment of the Indebtedness in
     such order of preference as Lender may determine. Insofar as the Collateral
     consists of accounts, general intangibles, insurance policies, instruments,
     chattel paper, choses in action, or similar property, Lender may demand,
     collect, receipt for, settle, compromise, adjust, sue for, foreclose, or
     realize on the Collateral as Lender may determine, whether or not
     Indebtedness or Collateral is then due. For these purposes, Lender may, on
     behalf of and in the name of Grantor, receive, open and dispose of mail
     addressed to Grantor; change any address to which mail and payments are to
     be sent; and endorse notes, checks, drafts, money orders, documents of
     title, instruments and items pertaining to payment, shipment, or storage of
     any Collateral. To facilitate collection, Lender may notify account debtors
     and obligors on any Collateral to make payments directly to Lender.

     OBTAIN DEFICIENCY. If Lender chooses to sell any or all of the Collateral,
     Lender may obtain a judgment against Grantor for any deficiency remaining
     on the Indebtedness due to Lender after application of all amounts received
     from the exercise of the rights provided in this Agreement. Grantor shall
     be liable for a deficiency even if the transaction described in this
     subsection is a sale of accounts or chattel paper.

     OTHER RIGHTS AND REMEDIES. Lender shall have all the rights and remedies of
     a secured creditor under the provisions of the Uniform Commercial Code, as
     may be amended from time to time. In addition, Lender shall have and may
     exercise any or all other rights and remedies it may have available at law,
     in equity, or otherwise.

     CUMULATIVE REMEDIES. All of Lender's rights and remedies, whether evidenced
     by this Agreement or the Related Documents or by any other writing, shall
     be cumulative and may be exercised singularly or concurrently. Election by
     Lender to pursue any remedy shall not exclude pursuit of any other remedy,
     and an election to make expenditures or to take action to perform an
     obligation of Grantor under this Agreement, after Grantor's failure to
     perform, shall not affect Lender's right to declare a default and to
     exercise its remedies.

 MISCELLANEOUS PROVISIONS. The fallowing miscellaneous provisions are a part of
 this Agreement:

     AMENDMENTS. This Agreement, together with any Related Documents,
     constitutes the entire understanding and agreement of the parties as to the
     matters set forth in this Agreement. No alteration of or amendment to this
     Agreement shall be effective unless given in writing and signed by the
     party or parties sought to be charged or bound by the alteration or
     amendment.

     Applicable Law. The Loan secured by this lien was made under a United
     Slates Small Business Administration (SBA) nationwide program which uses
     tax dollars to assist small business owners. If the United States is
     seeking to enforce this document, then under SBA regulations: (a) When SBA
     is the holder of the Note, this document and all documents evidencing or
     securing this Loan will be construed in accordance with federal law. (b)
     Lender or SBA may use local or state procedures for purposes such as filing
     papers, recording documents, giving notice, foreclosing liens, and other
     purposes. By using these procedures, SBA does not waive any federal
     immunity from local or state control, penalty, tax or liability. No
     Borrower or Guarantor may claim or assert against SBA any local or state
     law to deny any obligation of Borrower, or defeat any claim of SBA with
     respect to this Loan. Any clause in this document requiring arbitration is
     not enforceable when SBA is the holder of the Note secured by this
     instrument.

     ATTORNEYS' FEES; EXPENSES. Grantor agrees that if Lender hires an attorney
     to help enforce this Agreement or to collect any sums owing under this
     Agreement, Grantor will pay, subject to any limits under applicable law,
     Lender's attorneys' fees, and all of Lender's other collection expenses,
     whether or not there is a lawsuit and including without limitation
     additional legal expenses for bankruptcy proceedings.

     CAPTION HEADINGS. Caption headings in this Agreement are for convenience
     purposes only and are not to be used to interpret or define the provisions
     of this Agreement.

     MULTIPLE PARTIES. All obligations of Grantor under this Agreement shall be
     joint and several, and all references to Grantor shall mean each and every
     Grantor. This means that each of the persons signing below is responsible
     for ALL obligations in this Agreement.

     NOTICES. All notices required to be given under this Agreement shall be
     given in writing, may be sent by telefacsimile (unless otherwise required
     by law), and shall be effective when actually delivered if hand delivered
     or when deposited with a nationally recognized overnight courier or
     deposited as certified or registered mail in the United States mail, first
     class, postage prepaid, addressed to the party to whom the notice is to be
     given at the address shown above. Any party may change its address for
     notices under this Agreement by giving formal written notice to the other
     parties, specifying that the purpose of the notice is to change the party's
     address. To the extent permitted by applicable law, if there is more than
     one Grantor, notice to any Grantor will constitute notice to all Grantors.
     For notice purposes, Grantor will keep Lender informed at all times of
     Grantor's current address(es).

     POWER OF ATTORNEY. Grantor hereby appoints Lender as its true and lawful
     attorney-in-fact, irrevocably, with full power of substitution to do the
     following: (a) to demand, collect, receive, receipt for, sue and recover
     all sums of money or other property which may now or hereafter become due,
     owing or payable from the Collateral; (b) to execute, sign and endorse any
     and all claims, instruments, receipts, checks, drafts or warrants issued in
     payment for the Collateral; (c) to settle or compromise any and all claims
     arising under the Collateral, and, in the place and stead of Grantor, to
     execute and deliver its release and settlement for the claim; and (d) to
     file any claim or claims or to take any action or institute or take part in
     any proceedings, either in its own name or in the name of Grantor, or
     otherwise, which in the discretion of Lender may seem to be necessary or
     advisable. This power is given as security for the Indebtedness, and the
     authority hereby conferred is and shall be irrevocable and shall remain in
     full force and effect until renounced by Lender.

     SEVERABILITY. If a court of competent jurisdiction finds any provision of
     this Agreement to be invalid or unenforceable as to any person or
     circumstance, such finding shall not render that provision invalid or
     unenforceable as to any other persons or circumstances. If feasible, any
     such offending provision shall be deemed to be modified to be within the
     limits of enforceability or validity; however, if the offending provision
     cannot be so modified, it shall be stricken and all other provisions of
     this Agreement in all other respects shall remain valid and enforceable.

     SUCCESSOR INTERESTS. Subject to the limitations set forth above on transfer
     of the Collateral, this Agreement shall be binding upon and inure to the
     benefit of the parties, their successors and assigns.

     WAIVER. Lender shall not be deemed to have waived any rights under this
     Agreement unless such waiver is given in writing and signed by Lender. No
     delay or omission on the part of Lender in exercising any right shall
     operate as a waiver of such right or any other right. A waiver by Lender of
     a provision of this Agreement shall not prejudice or constitute a waiver of
     Lender's right otherwise to demand strict compliance with that provision or
     any other provision of this Agreement. No prior waiver by Lender, nor any
     course of dealing between Lender and Grantor, shall constitute a waiver of
     any of Lender's rights or of any of Grantor's obligations as to any future
     transactions. Whenever the consent of Lender is required under this
     Agreement, the granting of such consent by Lender in any instance shall not
     constitute continuing consent to subsequent instances where such consent is
     required and in all cases such consent may be granted or withheld in the
     sole discretion of Lender.

<PAGE>
                          COMMERCIAL SECURITY AGREEMENT                   PAGE 5
LOAN NO 110368693                  (CONTINUED)
--------------------------------------------------------------------------------

  THIS SECURITY INTEREST EXCLUDES ANY HAZARDOUS OR TOXIC MATERIALS, SUBSTANCES,
  OR WASTE THAT HAS BEEN GENERATED, TREATED, STORED, DEPOSITED, OR DISPOSED OF,
  IN OR PERTAINING TO ANY PERSONAL PROPERTY SUBJECT TO THIS SECURITY INTEREST;
  OR ON OR BELOW THE REAL PROPERTY ON WHICH ANY SUCH PERSONAL PROPERTY IS
  LOCATED._____

  THE LOAN SECURED BY THIS LIEN WAS MADE UNDER A UNITED STATES SMALL BUSINESS
  ADMINISTRATION (SBA) NATIONWIDE PROGRAM WHICH USES TAX DOLLARS TO ASSIST SMALL
  BUSINESS OWNERS. If the United States is seeking to enforce this document,
  then under SBA regulations: (a) When SBA is the holder of the Note, this
  document and all documents evidencing or securing this Loan will be construed
  in accordance with federal law. (b) Lender or SBA may use local or state
  procedures for purposes such as filing papers, recording documents, giving
  notice, foreclosing liens, and other purposes. By using these procedures, SBA
  does not waive any federal immunity from local or state control, penalty, tax
  or liability. No Borrower or Guarantor may claim or assert against SBA any
  local or state law to deny any obligation of Borrower or defeat any claim of
  SBA with respect to this Loan. Any clause in this document requiring
  arbitration is not enforceable when SBA is the holder of the Note secured by
  this instrument.

  GRANTOR ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF THIS COMMERCIAL
  SECURITY AGREEMENT, AND GRANTOR AGREES TO ITS TERMS. THIS AGREEMENT IS DATED
  09/29/00.

  GRANTOR:

  CHESAPEAKE LOGISTICS LLC

   BY: /S/ BRIAN P. FLOOD                 BY:  /S/ REGINA R. FLOOD
       ------------------                      -------------------
       BRIAN P. FLOOD, MEMBER                  REGINA R. FLOOD, MEMBER

--------------------------------------------------------------------------------EXHIBIT 10.2

                                               BUSINESS FLEX LINE OF CREDIT NOTE
                                                                        Maryland

NOVEMBER 29, 2005                                                    $180,000.00

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<PAGE>

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

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

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

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

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

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

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

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

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

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

<PAGE>

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

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

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

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

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

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

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

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

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

<PAGE>

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

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

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

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

   Tax ID/SS# 52-2059691

   CHESAPEAKE LOGISTICS LLC

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

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

                                 ACKNOWLEDGMENT

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

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

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

                                 ACKNOWLEDGMENT

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

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

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

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