Document:

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                                                                    EXHIBIT 10.6

February 6, 2002

Mr. Joel A. White
Chief Financial Officer
Decima Research, dba Wirthlin Worldwide
1363 Beverly Road
McLean, VA 22101

Dear Joel:

      SunTrust Bank (the Bank) is pleased to advise you that it has approved a
$4,000,000 acquisition term loan (the Term Loan) and a $1,500,000 revolving
guidance line of credit (the Guidance Line) for Decima Research, a California
corporation, doing business as Wirthlin Worldwide (the Borrower), subject to the
terms, covenants and conditions set forth in this letter agreement (as amended
from time to time, the Agreement). Certain capitalized terms used in this
Agreement are defined on the attached Schedule of Definitions.

1.    Term Loan.

      (a)   Amount. Subject to the terms and conditions of this Agreement, the
Bank agrees to make a Term Loan to the Borrower, on or before February 15, 2002,
in a principal amount of up to $4,000,000.

      (b)   Use of Proceeds. The proceeds of the Term Loan shall be used to
finance the acquisition of all of the outstanding capital stock of Business and
Market Research Limited, a company registered in England ("BMR"), by
Wirthlin-Europe Limited, a company registered in England, and a Subsidiary of
the Borrower (the "Acquisition") and the costs and expenses related to the
Acquisition.

      (c)   Interest. The unpaid principal balance of the Term Loan shall bear
interest at a per annum rate equal to 1.65% plus LIBOR. Accrued interest shall
be payable monthly, in arrears, on the first day of each month.

      (d)   Term Note. The obligation of the Borrower to repay the Term Loan,
together with accrued interest, shall be evidenced by the Term Note. The
principal amount of the Term Note shall be payable in equal consecutive monthly
installments of $66,666.67 each, due on the first day of each month commencing
on March 1, 2002, and continuing until February 1, 2007,

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when the entire unpaid principal balance of the Term Note, together with all
accrued and unpaid interest thereon, shall be due and payable in full.

2.    Guidance Line.

      (a)   Amount. The aggregate principal amount of Advances under the
Guidance Line outstanding at any time shall not exceed $1,500,000. The Advances
shall be made in the sole and absolute discretion of the Bank, and the Bank
shall have no obligation to make Advances even if the Borrower is in compliance
with all of the terms of the Loan Documents. Advances made on any one or more
occasions shall not obligate the Bank to make Advances on any subsequent
occasion. The Guidance Line will mature on March 31, 2003 (the "Termination
Date"). Without limiting the generality of the foregoing, the Borrower
acknowledges and agrees that the Bank is not willing to make Advances based on
the current financial condition of the Borrower because, among other reasons,
the Term Loan presently exceeds the Borrowing Base and the owners of the stock
of the Borrower are not providing any guaranty of the Indebtedness.

      (b)   Use of Proceeds. The proceeds of Advances shall be used to pay
current operating expenses, carry accounts receivable and for other short-term
working capital needs of the Borrower.

      (c)   Interest. Advances shall bear interest at a per annum rate equal to
1.50% plus LIBOR. Accrued interest shall be payable monthly, in arrears, on the
first day of each month, and on the Termination Date.

      (d)   Line Note. The obligation of the Borrower to repay the Advances,
together with accrued interest, shall be evidenced by the Line Note. The
principal amount of the Line Note shall be repaid on demand, or if demand is not
sooner made, on the Termination Date. The Borrower agrees that the Bank may
demand payment even if an Event of Default has not occurred.

3.    Payments and Calculations.

      (a)   Interest Calculations. Interest shall be calculated on the basis of
a year of 360 days and for actual days elapsed. The interest rate shall be
adjusted on the first day of each calendar month to reflect LIBOR in effect on
the first business day of such calendar month.

      (b)   Prepayment. The Advances and the Term Loan may be prepaid in whole
or in part, at any time, without premium or penalty. If at any time after
September 1, 2003, the unpaid balance of the Indebtedness exceeds the Borrowing
Base, the Borrower shall prepay the Indebtedness upon the Bank's demand
therefor, with such prepayment being applied first to the Advances. The Borrower
agrees that if it fails to provide the Bank with a Borrowing Base Certificate
when required by this Agreement, at the option of the Bank and with notice to
the Borrower, the Borrowing Base shall be deemed to be zero for the purposes of
this Agreement until the Borrowing Base Certificate is delivered. Partial
prepayments of the Term Loan shall be applied to installments due under the Term
Note in the inverse order of maturity and may not be reborrowed; provided that
if the Borrower is making a voluntary prepayment, it may elect to

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have all or a portion of such payment applied to satisfy the installment that is
due on the first day of the calendar month following the date of such voluntary
prepayment.

      (c)   Debit to Account. The Borrower agrees that the Bank may debit any
account maintained by the Borrower with the Bank for payments due to the Bank
under the Loan Documents.

4.    Security.

      (a)   Guaranty. The Indebtedness shall be guaranteed, jointly and
severally, by Wirthlin Worldwide Hong Kong, LLC, The Wirthlin Group
International, L.L.C., and Australasian Research Strategies, LLC, each a
Delaware limited liability company (the "Guarantors"), in accordance with the
terms of a Guaranty.

      (b)   Collateral. The Indebtedness shall be secured by a first lien
blanket security interest in all accounts, chattel paper, deposit accounts,
documents, equipment, fixtures, general intangibles, inventory, investment
property, letter of credit rights and all other assets and property of the
Borrower and Guarantors, now owned and hereafter acquired, which security
interest shall created by and subject to the terms of a Security Agreement.
Without limiting the generality of the foregoing, the Indebtedness shall be
secured by all of the stock, membership interests and other ownership interests
of the Borrower and the Guarantors in their respective Subsidiaries.
Notwithstanding any provision to the contrary contained in the Security
Agreements, the Bank agrees that if no Event of Default has occurred and is
continuing, the Bank shall not require compliance with the Assignment of Claims
Act for receivables due under government contracts in an amount of less than
$10,000 in any one instance and less than $40,000 in the aggregate.

      (c)   Release of Stock of Foreign Subsidiaries. If at any time the pledge
of the stock of a foreign Subsidiary constitutes security provided by a
"controlled foreign corporation" for U.S. federal income tax purposes of the
obligations of the Borrower within the meaning of Section 951(b) of the Internal
Revenue Code and the Borrower could reasonably be expected to suffer adverse
federal income tax consequences as a result thereof, the Bank agrees that it
will reduce the amount of such stock subject to the pledge to 65% of the
outstanding shares of such foreign Subsidiary, provided that (i) no Default has
occurred and is continuing, (ii) the Bank receives evidence reasonably
acceptable to it that under applicable law and the organizational documents of
such Subsidiary 65% is a sufficient ownership percentage to vote in favor of all
major corporate actions requiring shareholder approval, and (iii) the released
shares shall not thereafter be encumbered, sold, transferred, assigned or
otherwise disposed of in any manner.

5.    Conditions. The following are conditions precedent to the funding of the
Term Loan and any Advance under the Guidance Line:

      (a)   Loan Documents. Receipt by the Bank of all Loan Documents, duly
executed by all applicable parties;

      (b)   Organizational Documents. Receipt by the Bank of certified copies of
resolutions and organizational documents of the Borrower and Guarantors, a
certificate as to the incumbency

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and signatures of the authorized officers or representatives of the Borrower and
Guarantors, and current good standing certificates issued by the appropriate
public officials in the Borrower's and Guarantors' state of formation and each
jurisdiction in which it does business;

      (c)   Perfection. Financing statements perfecting the Bank's security
interest in the Collateral shall be filed, all financing statements other than
Liens and security interests permitted by this Agreement shall be terminated,
all instruments evidencing Collateral shall be delivered to the Bank, with
appropriate stock powers executed in blank, and all other actions reasonably
required by the Bank to perfect its Liens in the Collateral shall be completed
to the Bank's reasonable satisfaction;

      (d)   Opinion of Counsel. Receipt by the Bank of an opinion of counsel to
the Borrower and the Guarantors;

      (e)   Insurance. Receipt by the Bank of certificates or policies of
insurance confirming that all insurance required by the Loan Documents has been
obtained;

      (f)   Borrowing Base Certificate. If required by the Bank for any Advance,
receipt by the Bank of a Borrowing Base Certificate and an aging of accounts
receivable of the Borrower, both of which shall be of a current date and in form
and substance reasonably satisfactory to the Bank;

      (g)   Collateral/Systems Report. Completion prior to the funding of the
Term Loan by the Bank of a satisfactory examination report of the Collateral and
the Borrower's systems;

      (h)   Landlord Waivers. Receipt by the Bank of such landlord waivers from
the landlords for the real property leased by the Borrower in Virginia and in
Orem, Utah;

      (i)   Acquisition. Simultaneously with the disbursement of the Term Loan,
the Acquisition shall be closed in accordance with the terms of a purchase
agreement reasonably acceptable to the Bank;

      (j)   Satisfactory Documents. All documents, certificates and opinions
delivered under this Agreement must be in form and substance reasonably
satisfactory to the Bank and its counsel;

      (k)   No Defaults. No Default shall be continuing; and

      (l)   Representations. All representations and warranties of the Borrower
and each Guarantor contained in this Agreement or any Loan Document shall be
true and correct in all material respects.

6.    Representations and Warranties. In order to induce the Bank to extend
credit to the Borrower, the Borrower represents and warrants as follows:

      (a)   Execution of Documents. Each of the Borrower and the Guarantors has
the Power and has taken all of the necessary actions to execute, deliver and
perform the terms of the Loan

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Documents. When executed and delivered, the Loan Documents will be binding
obligations of the Borrower and the Guarantors, enforceable in accordance with
their terms and will not violate any provisions of law or conflict with, result
in a breach of or constitute a default under the organizational documents of the
Borrower or any Guarantor or under any other material agreement to which the
Borrower or any Guarantor is a party.

      (b)   Financial Statements. All financial statements and information
delivered to the Bank by the Borrower in connection with this Agreement are
correct and complete and present fairly in all material respects the financial
condition, and reflect all known liabilities, contingent or otherwise, of the
Borrower and its Subsidiaries as of the dates of such statements and
information, were prepared in accordance with GAAP and, since such dates, no
material adverse change in the assets, liabilities, financial condition,
business or operations of the Borrower and its Subsidiaries has occurred.

      (c)   No Litigation. There is no action, suit, investigation or proceeding
pending or, to the knowledge of the Borrower, threatened against or affecting
the Borrower or any Subsidiary that could reasonably be expected, either in any
case or in the aggregate, result in any material adverse change in the business,
properties or assets or in the condition, financial or otherwise, of the
Borrower and its Subsidiaries, or that could reasonably be expected to result in
any material liability on the part of the Borrower or any Subsidiary.

      (d)   Title to Assets/Use of Proceeds. The Borrower and its Subsidiaries
have good and marketable title to all of their assets, subject only to the Liens
and security interests permitted by this Agreement. The Term Loan and Advances
shall be used only for the purposes described in this Agreement.

      (e)   Compliance with Laws. The Borrower and its Subsidiaries are in
compliance in all material respects with all federal, state and local laws,
regulations and ordinances.

      (f)   Debt. Neither the Borrower nor any of its Subsidiaries is in default
with respect to any material debt.

      (g)   Subsidiaries. The Answer Group, Inc., an Ohio corporation ("Answer
Group") is an inactive Subsidiary of the Borrower, does not own material assets
and does not transact business. All of the other direct and indirect
Subsidiaries of the Borrower, and the ownership thereof, as of the date hereof,
are listed below, and the shares or interests described below represent all of
the issued and outstanding shares, ownership or other equity interests issued by
such Subsidiary. In connection with the Acquisition, Wirthlin-Europe Limited
will issue between 74,000 and 75,000 shares to BMR. This will change the total
shares of Wirthlin-Europe Limited outstanding to between 874,100 and 875,100 and
will reduce the ownership percentage of The Wirthlin Group International, L.L.C.
therein to between 91.5% and 91.4%:

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<TABLE>
<CAPTION>
     Name of Subsidiary         Owner of Shares or Interests           Percentage Owned           Shares or Interests Owned
     ------------------         ----------------------------           ----------------           -------------------------
<S>                             <C>                                    <C>                        <C>
Wirthlin Worldwide              Borrower                                     100%                 Sole Membership Interest
Hong Kong, LLC

The Wirthlin Group              Borrower                                     100%                 Sole Membership Interest
International, L.L.C.

Australasian Research           Borrower                                     100%                 Sole Membership Interest
Strategies, LLC

Wirthlin-Europe Limited         The Wirthlin Group                           100%                 800,100 Ordinary Shares
                                International, L.L.C

Australasian Research           Australasian Research                        100%                 250,000 Ordinary Shares
Strategies Pty                  Strategies, LLC

Wirthlin Worldwide Asia, PTE.   Wirthlin Worldwide Hong                      100%                 950,000 Ordinary Shares
Ltd.                            Kong, LLC
</TABLE>

7.    Covenants. In consideration of credit extended or to be extended by the
Bank, the Borrower covenants and agrees that, unless the Bank otherwise consents
in writing:

      (a)   Financial Reporting Requirements. The Borrower shall deliver to the
Bank (1) within 180 days after the close of each fiscal year of the Borrower,
audited financial statements of the Borrower and its Subsidiaries, prepared in
accordance with GAAP, including consolidated and consolidating balance sheets,
income statements, statements of stockholders' equity and of cash flows, and
accompanied by an unqualified opinion of an independent certified public
accounting firm reasonably acceptable to the Bank; (2) within 60 days after the
close of each fiscal year of the Borrower, unaudited financial statements of the
Borrower and its Subsidiaries, including consolidated and consolidating balance
sheets and income statements, prepared in accordance with GAAP, and accompanied
by a Covenant Compliance Certificate of the Borrower's chief financial officer;
(3) within 90 days after the close of each of its fiscal years, completion of a
satisfactory examination report of the Collateral and the Borrower's systems by
an independent certified public accounting firm reasonably acceptable to the
Bank; (4) within 30 days after the end of each calendar month other than
December, unaudited financial statements of the Borrower and its Subsidiaries,
including consolidating and consolidated balance sheets and income statements,
prepared in accordance with GAAP, and after the end of each of its fiscal
quarters accompanied by a Covenant Compliance Certificate of the Borrower's
chief financial officer; (5) within 30 days after the end of each calendar month
other than December, and within 60 days after the end of each December (i) an
appropriately completed Borrowing Base Certificate setting forth a calculation
of the Borrowing Base as of the end of the preceding calendar month, (ii) agings
of accounts receivable of the Borrower in intervals of 30 days; and

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(iii) a contract backlog report; (6) within 270 days after the end of each
calendar year, the financial statement of The Wirthlin Family Trust, a grantor
trust of Richard B. and Jeralie C. Wirthlin; (7) promptly after filing, copies
of the annual federal income tax returns of the Borrower and each Guarantor; (8)
promptly upon receipt, copies of any reports submitted to the Borrower by
independent certified public accountants in connection with examination of the
financial statements of the Borrower made by such accountants; and (9) such
other information concerning the Collateral or the financial condition of the
Borrower or any Subsidiary as the Bank from time to time may reasonably request.
All financial statements and reports shall be in form and detail reasonably
acceptable to the Bank and shall be certified to be accurate by a duly
authorized officer of the Borrower to the best of such officer's knowledge.

      (b)   Notices. The Borrower shall furnish to the Bank prompt written
notice of (1) the occurrence of each Default or an Event of Default, or (2) the
institution of any material litigation concerning the Borrower or any
Subsidiary.

      (c)   Collateral/Systems Examinations. The Bank shall have the right to
perform Collateral and systems examinations from time to time in accordance with
its standard procedures. The Borrower agrees to reimburse the Bank for all
reasonable fees and costs incurred in connection with each such examination;
provided that so long as no Event of Default is continuing, the Borrower shall
not be required to pay for more than one such examination in any
twelve-calendar-month period.

      (d)   Compliance with Laws. The Borrower and its Subsidiaries shall comply
in all material respects with all applicable laws and regulations and shall pay
all taxes, assessments or governmental charges lawfully levied or imposed on or
against it or any of its properties.

      (e)   Liens. Neither the Borrower nor any Subsidiary shall permit any Lien
to attach to any of its assets other than Permitted Liens.

      (f)   Guaranties. Neither the Borrower nor any Subsidiary shall guarantee,
endorse, become contingently liable upon or assume the obligations of any
Person, except (i) the endorsement of negotiable instruments for deposit or
collection or similar transactions in the ordinary course of business; (ii) the
guaranty of obligations of The Wirthlin Group International, L.L.C. and/or
Wirthlin-Europe Limited in connection with the Acquisition; (iii) guaranties by
the Borrower or any Subsidiary of any obligations of the Borrower or any
Subsidiary permitted under the Loan Documents; (iv) the indemnity and guaranty
agreement by the Borrower to be executed in connection with the loan from Army
and Air Force Mutual Aid Association ("AAFMAA") to Richard B. Wirthlin Family
LLC (the "Landlord"), which guaranty and indemnity shall cover only the recourse
matters in the non-recourse loan from AAFMAA to the Landlord, provided that such
recourse matters are ordinary and customary for non-recourse real estate loans
made by institutional lenders; and (v) other guaranties in an aggregate amount
not to exceed $250,000 in the aggregate.

      (g)   Debt. Neither the Borrower nor any Subsidiary shall permit to exist
any debt other than Permitted Debt.

                                       7
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      (h)   Dividends and Distributions. The Borrower shall not (1) declare or
pay any dividends or make any other payments or distributions to its equity
owners (other than reasonable compensation to owners who are employees) or (2)
issue, redeem, repurchase or retire any of its equity interests; provided,
however, that (i) for as long as the Borrower is a Subchapter S Corporation, the
Borrower may pay distributions to its equity owners in amounts sufficient to
allow such owners to pay income taxes on their respective shares of the net
taxable income of the Borrower; (ii) the Borrower may redeem equity from
employees and former employees of the Borrower and its Subsidiaries in
accordance with agreements with such employees and former employees, which
agreements shall be substantially in the form of the agreements with employees
existing on the date hereof, copies of which have been provided to the Bank by
the Borrower (the "Employee Equity Agreements").

      (i)   Loans and Investments. Neither the Borrower nor any Subsidiary shall
make or permit to exist any loans to, or debt or equity investments in, acquire
all or substantially all of the assets of, or merge or consolidate with any
Person, other than Permitted Investments, Within 30 days after the disbursement
of the Term Loan, the Borrower shall provide the Bank with a certification as to
the aggregate amount of Permitted Investments then outstanding. Without limiting
the generality of the foregoing, neither the Borrower nor any Subsidiary shall
acquire or form any Subsidiary, other than as contemplated by the Acquisition,
or enter into any joint venture agreement, or become a partner in any
partnership.

      (j)   Financial Covenants. The Borrower shall maintain:

            (i)   At all times, Tangible Net Worth of not less than the Minimum
Compliance Level;

            (ii)  as of the end of each of its fiscal quarters, a ratio of Total
Liabilities to Tangible Net Worth of not more than 3.5 to 1 as of March 31, 2002
and June 30, 2002, not more than 3.0 to 1 as of September 30, 2002 and December
31, 2002, not more than 2.5 to 1 as of March 31, 2003 and June 30, 2003, and not
more than 2.0 to 1 as of September 30, 2003 and each fiscal quarter thereafter;

            (iii) for each period of twelve months ending on the last day of
each fiscal quarter, a ratio of Funded Debt then outstanding to Cash Flow for
such period of not more than 2.0 to 1;

            (iv)  for each period of one, two, three or four fiscal quarters
ending on March 31, 2002, June 30, 2002, September 30, 2002 and December 31,
2002, as applicable, a ratio of Cash Flow for such period to Debt Service for
such cumulative period of not less than 2.5 to 1; and

            (v)   for each period of twelve months ending on the last day of
each fiscal quarter beginning March 31, 2003, a ratio of Cash Flow for such
period to Debt Service for such period of not less than 2.5 to 1.

      The forgoing financial covenants shall be determined for the Borrower and
its Subsidiaries on a consolidated basis in accordance with GAAP.

                                       8
<PAGE>

      (k)   Restrictive Agreements. Neither the Borrower nor any Subsidiary
shall enter into, incur or permit to exist any agreement that prohibits,
restricts or imposes any condition upon (1) the ability of the Borrower or any
Subsidiary to create, incur or permit any Lien upon any of its assets or
properties, whether now owned or hereafter acquired, or (2) the ability of any
Subsidiary to pay dividends or other distributions with respect to its common
stock or equity interests, to make or repay loans or advances to the Borrower or
any other Subsidiary, guarantee debt of the Borrower or any other Subsidiary or
to transfer any of its property or assets to the Borrower or any Subsidiary of
the Borrower, except in each case, customary restrictions contained in documents
entered into in connection with Permitted Debt or with leases of property
permitted pursuant to this Agreement.

      (l)   Answer Group. The Borrower shall not permit Answer Group to own any
material assets or transact business, and will cause such Subsidiary to be
dissolved as soon as is practicable after such dissolution is permitted by the
terms of the purchase documents pursuant to which the Borrower acquired Answer
Group.

8.    Default. If an Event of Default has occurred and is continuing, any
obligation of the Bank to make Advances shall terminate and the Bank, at its
option, by written notice to the Borrower, may declare all Indebtedness to the
Bank to be immediately due and payable.

9.    Miscellaneous.

      (a)   Accounting Terms. Each accounting term used in this Agreement, not
otherwise defined, will have the meaning given to it under GAAP as in effect on
the date of this Agreement, applied on a consistent basis.

      (b)   Notices. All notices, requests, demands or other communications
provided for in this Agreement or any other Loan Document shall be in writing
and shall be delivered by hand, sent prepaid by a recognized overnight delivery
service or sent by the United States mail, certified, postage prepaid, return
receipt requested, to the Bank or to the Borrower at their addresses set forth
in this Agreement.

      (c)   Successors and Assigns. This Agreement will be binding upon and
inure to the benefit of the Bank and the Borrower, and their respective
successors and assigns, provided that the Borrower may not assign or transfer
its rights under this Agreement.

      (d)   Sole Agreement. This Agreement and the other Loan Documents
represent the entire agreement between the Bank and the Borrower, and supersede
all prior commitments and may be modified only by an agreement in writing. The
other Loan Documents shall contain such terms as the Bank customarily requires
for financings of the type described in this Agreement. If the terms of any
other Loan Document conflict with the terms of this Agreement, then the terms of
this Agreement shall be controlling.

      (e)   Survival of Agreement. All terms contained in this Agreement shall
survive the delivery of this Agreement and the other Loan Documents and the
making of the Term Loan and Advances and shall remain in full force and effect
until the Indebtedness is fully discharged.

                                       9
<PAGE>

      (f)   Governing Law. This Agreement will be governed by the laws of the
Commonwealth of Virginia, without reference to conflict of laws principles.

      (g)   Expenses. Whether or not the Term Loan or any Advances are made
under this Agreement, the Borrower shall pay all reasonable out-of-pocket
expenses (including reasonable attorneys' fees) incurred by the Bank in
connection with the preparation of this Agreement and the other Loan Documents
and the transactions contemplated by this Agreement.

      (h)   Counterparts. This Agreement may be executed in counterparts, and
all such counterparts together shall constitute one and the same Agreement.

      The Borrower and the Guarantors may accept this Agreement by signing below
and returning an executed copy to the Bank prior to February 15, 2002. Upon
receipt by the Bank of such executed copy prior to such date, this Agreement
will become a binding agreement between the Bank and the Borrower.

Sincerely yours,

SUNTRUST BANK

By: /s/ Mark E. Wright
   ------------------------
Mark E. Wright
Vice President

Address for Notices:
515 King Street
Alexandria, Virginia 22314

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<PAGE>

Accepted on this 6th day of February, 2002

BORROWER

DECIMA RESEARCH, DOING BUSINESS AS WIRTHLIN WORLDWIDE

By: /s/ Joel A. White
   ------------------------
Name:  Joel A. White
Title: Chief Financial Officer

GUARANTORS

WIRTHLIN WORLDWIDE HONG KONG, LLC

By: /s/ Joel A. White
   ------------------------
Name:  Joel A. White
Title: Subsidiary Officer

THE WIRTHLIN GROUP INTERNATIONAL, L.L.C.

By: /s/ Joel A. White
   ------------------------
Name:  Joel A. White
Title: Subsidiary Officer

AUSTRALASIAN RESEARCH STRATEGIES, LLC

By: /s/ Joel A. White
   ------------------------
Name:  Joel A. White
Title: Subsidiary Officer

                                       11
<PAGE>

                             SCHEDULE OF DEFINITIONS

      The following terms shall have the meanings set forth below when such
terms are used in the Loan Documents:

      "Advance" means any advance of funds under the Guidance Line.

      "Affiliate" means each shareholder, director and officer of the Borrower
and any other Person in which the Borrower or any such shareholder, director or
officer has an ownership interest of 20% or more of the outstanding voting
interest therein, whether direct or indirect, and any joint venture to which the
Borrower is a party.

      Bonded Receivables" means any account receivable arising out of a contract
under which the performance of the Borrower is guaranteed by a surety bond.

      "Borrowing Base" means, at the time in question 80% of Eligible
Receivables.

      "Borrowing Base Certificate" means a certificate of the Borrower
containing a computation of the Borrowing Base and certifying that no Default
has occurred and is continuing, in form and substance reasonably satisfactory to
the Bank.

      "Business Day" means any day other than a Saturday, Sunday or other day on
which commercial banks are authorized or required to close under the laws of the
Commonwealth of Virginia, and, with respect to the determination of LIBOR, on
which banks are open for business in the London interbank market.

      "Cash Flow" means, for any period, (a) consolidated Net Income of the
Borrower and its Subsidiaries for such period, plus, (b) to the extent deducted
to determine such consolidated Net Income, the sum of (1) depreciation expense,
(2) interest expense, (3) amortization expense, and (4) tax expense, less (c) to
the extent added to determine such consolidated Net Income, extraordinary or
unusual gains or other gains not incurred in the ordinary course of business, in
each case determined in accordance with GAAP.

      "Change in Control" means (a) the acquisition of ownership, directly or
indirectly, beneficially or of record, by any Person or group (with the meaning
of the Securities Exchange Act of 1934 and the rules of the Securities and
Exchange Commission thereunder as in effect on the date hereof and other than
Richard B. Wirthlin, the family members of Richard B. Wirthlin, or trusts for
the benefit of Richard B. Wirthlin or any of his family members), of shares
representing more than fifty percent (50%) of the aggregate ordinary voting
power represented by the issued and outstanding capital stock of the Borrower;
or (b) the occupation of a majority of the seats (other than vacant seats) on
the board of directors of the Borrower by individuals who are not (i) on the
board of directors as of the date hereof; (ii) nominated by the board of
directors of the Borrower or (iii) appointed by directors so nominated.

      "Collateral" means any real or personal property securing any Indebtedness
at any time.

      "Contras" means any account receivable of the Borrower that is due from a
Customer to whom the Borrower is indebted.

      "Covenant Compliance Certificate" means a certificate setting forth
calculations and otherwise reflecting compliance by the Borrower with the
covenants in the Loan Documents, in form and substance reasonably acceptable to
the bank.

                                       1
<PAGE>

      "Cross-Aged Receivables" means all accounts receivable of the Borrower due
from a Customer if more than 50% of the aggregate amount of all accounts
receivable due from such Customer are aged more than 90 days.

      "Customer" means any Person obligated on an account receivable of the
Borrower.

      "Debt Service" means, for any period, consolidated interest expense of the
Borrower and its Subsidiaries for such period, including interest expense under
capital leases and synthetic leases, plus principal repayments of long term debt
of the Borrower and its Subsidiaries scheduled to be repaid during such period,
including principal payments under capital leases and synthetic leases and
payments scheduled to be repaid under Employee Equity Agreements during such
period.

      "Default" means any Event of Default or any event that with the giving of
notice, or lapse of time, or both, would constitute an Event of Default.

      "Eligible Receivables" means such accounts receivable of the Borrower that
are and at all times continue to be acceptable to the Bank in all respects.
Criteria for eligibility shall be fixed and revised by the Bank from time to
time in its sole discretion. In general, an account receivable shall not be an
Eligible Receivable unless (a) it represents a valid obligation of the Customer
to pay for goods sold or services rendered, (b) it has been appropriately billed
in accordance with the terms of the applicable contract with the Customer and no
more than 90 days have elapsed from the initial invoice date, (c) the goods or
services have been finally accepted by the Customer, (d) the Borrower has no
knowledge or notice of any inability of the Customer to make full payment, (e)
it is subject to no Liens other than those permitted in the Agreement, (f) all
payments, setoffs, bad debt reserves, discounts, allowances and credits have
been deducted, (g) it conforms to the representations and warranties contained
in the Security Agreement of the Borrower, (h) the Customer is not an Affiliate,
a foreign Person (except for such foreign Persons approved by the Bank in
writing) or a creditor of the Borrower (provided that upon the written request
of the Borrower, the Bank may permit the Borrower to exclude the receivables of
such creditor only to the extent of the amount owed to such creditor by the
Borrower if the Bank determines that the prospects of payment of the receivables
of such creditor will not be materially impaired), and (i) the Bank is satisfied
with the credit standing of the Customer. Eligible Receivables shall not include
Bonded Receivables, Cross-Aged Receivables, Contras (subject to the terms of
clause (h) above), cost overruns, costs incurred in excess of approved or
allowed billing rates, rebillings, retainages, work performed under contracts
with a governmental entity for which funds have not been appropriated and
allocated or for which final contract award documents have not been executed and
receivables for work that has not been fully earned by performance. No account
receivable of any subsidiary shall be included in the Borrowing Base. At the
option of the Bank, no Eligible Receivable shall be included in more than three
month-end Borrowing Base calculations.

      "Equity Issuance" means any issuance or sale by a Person of its capital
stock or other similar equity security, or any warrants, options or similar
rights to acquire, or securities convertible into or exchangeable for, such
capital stock or other similar equity security.

      "Existing Subs" means all of the Subsidiaries, other than Answer Group,
described in Section 6(g) and BMR.

      "Event of Default" means the occurrence of any of the following: (1) the
failure of the Borrower to pay any Indebtedness to the Bank when the same shall
become due and payable,

                                       2
<PAGE>

whether at maturity, or as a result of the Bank's demand for payment or
otherwise, and such failure shall continue for a period of five days after
written notice from the Bank to the Borrower specifying such failure (which may
be a computer-generated late payment notice), (2) the failure of the Borrower to
perform or observe any financial covenant or agreement contained in Section 7(j)
of this Agreement; (3) the failure of the Borrower or any of its Subsidiaries to
perform or observe any other term, condition, covenant, warranty, agreement or
other provision contained in this Agreement or in any other Loan Document
(except any such failure resulting in the occurrence of another Event of Default
described in this Section), within 20 days after written notice from the Bank to
the Borrower specifying such failure; (4) if any representation or warranty
made, or deemed made, under the terms of this Agreement or any other Loan
Document by the Borrower or any Guarantor or any statement or representation
made in any certificate, report or opinion delivered pursuant to this Agreement
or any other Loan Document or in connection with any borrowing under this
Agreement was materially untrue or is breached in any material respect; (5) as a
result of default, any other obligation of the Borrower or any of its
Subsidiaries for the payment of any debt in excess of $200,000 becomes or is
declared to be due and payable prior to the expressed maturity thereof, unless
and to the extent that the declaration is being contested in good faith in a
court of appropriate jurisdiction; (6) the occurrence of a Change in Control;
(7) if the Borrower or a Guarantor makes an assignment for the benefit of
creditors, files a petition in bankruptcy, petitions or applies to any tribunal
for any receiver or any trustee of the Borrower or a Guarantor or any
substantial part of its, his or her property, or commences any proceeding
relating to the Borrower or a Guarantor under any reorganization, arrangement,
readjustments of debt, dissolution or liquidation law or statute of any
jurisdiction, whether now or hereafter in effect; (8) if, within 60 days after
the filing of a bankruptcy petition or the commencement of any proceeding
against the Borrower or a Guarantor seeking any reorganization, arrangement,
composition, readjustment, liquidation, dissolution or similar relief under any
present or future statute, law or regulation, the proceeding shall not have been
dismissed, or, if, within 60 days after the appointment, without the consent or
acquiescence of the Borrower or a Guarantor, of any trustee, receiver or
liquidator of the Borrower or a Guarantor or of all or any substantial part of
the properties of the Borrower or a Guarantor, the appointment shall not have
been vacated; (9) any judgment against the Borrower or a Guarantor in excess of
$200,000 or any attachment in excess of $200,000 against any property of the
Borrower or a Guarantor remains unpaid, undischarged, unbonded or undismissed
for a period of 30 days; (10) the dissolution, liquidation or termination of
existence of the Borrower; (11) if the Borrower fails to give the Bank any
notice required by this Agreement or any other Loan Document within ten days
after the occurrence of the event giving rise to the obligation to give such
notice, provided that such failure to give notice shall not constitute an Event
of Default if the applicable Event of Default or breach is cured within any
grace period that otherwise would have been applicable had the notice been
timely given; (12) any Security Agreement shall for any reason cease to create a
valid and perfected first priority security interest in any of the Collateral
purported to be covered thereby or if any Loan Document ceases to be in full
force and effect; (13) the purported termination of any Loan Document at any
time; (14) if there has been a material adverse change in the financial
condition or prospects of the Borrower or any Guarantor, or in the value of any
Collateral, and the prospects of payment of the Indebtedness are materially
impaired thereby, and such material adverse change is not remedied within 30
days after written notice from the Bank to the

                                       3
<PAGE>

Borrower; or (15) the occurrence of a default or event of default under any Loan
Document after the expiration of all applicable grace periods.

      "Funded Debt" means the sum of the (a) the consolidated indebtedness of
the Borrower and its Subsidiaries for (1) borrowed money, repurchase agreements
and deferred purchase price obligations (other than trade payables), (2) capital
lease obligations, (3) guaranties of Funded Debt, (4) Funded Debt of joint
ventures in which a Borrower or a Subsidiary has an interest and for which the
Borrower or a Subsidiary is liable, (5) contingent or matured reimbursement
obligations for letters of credit issued for the account of a Borrower, in each
case determined in accordance with GAAP, and (6) stock and other equity
interests that are redeemable at the option of the holder thereof (other than
unexercised rights of existing and future employees), plus (b) the aggregate
implied principal amount of synthetic lease obligations of the Borrower and its
Subsidiaries calculated in accordance with applicable federal income tax laws
and regulations.

      "GAAP" means generally accepted accounting principles consistently
applied.

      "Guarantor" means any Person that guarantees all or any portion of the
Indebtedness at any time.

      "Guaranty" means, individually and collectively, each guaranty, on the
Bank's standard form, executed by a Guarantor, together with any amendments to
such guaranty form.

      "Indebtedness" means all indebtedness, liabilities and obligations of the
Borrower to the Bank, whether now existing or arising in the future, direct or
indirect, fixed or contingent, whether related or unrelated to the Term Loan or
Guidance Line, and whether of a similar or different class, including, without
limitation, overdrafts, guaranties and obligations to reimburse the Bank for
amounts paid by it under letters of credit issued by the Bank for the account of
the Borrower.

      "Investment Cap" means the lesser of(a) $16,250,000, or (b)the sum of(l)
aggregate amount of debt and equity investments in the Existing Subsidiaries,
other than BMR, as of December 31, 2001, plus (2) the aggregate amount of debt
and equity investments made in The Wirthlin Group International L.L.C.,
Wirthlin-Europe Limited and/or BMR in connection with the Acquisition, plus (3)
$1,000,000.

      "LIBOR" means for each calendar month, the rate at which dollar deposits
with a one-month maturity are offered to leading banks in the London interbank
market at 11:00 a.m. (London time) on the first Business Day of such calendar
month, based on the British Bankers Association quotations published by an
On-Line Information Service, selected by the Bank, plus adjustments (expressed
as a percentage) for reserve requirements, deposit insurance premium assessments
and other regulatory costs, all of the foregoing as determined by the Bank's
Funds Management Division in accordance with its customary practices.

      "Lien" means any mortgage, deed of trust, assignment, pledge, lien,
security interest, charge or encumbrance of any kind or nature, including the
interest of a lessor under a capitalized lease.

      "Line Note" means a promissory note, on the Bank's standard form, in the
principal amount of the Guidance Line, made by the Borrower, and evidencing the
obligation of the Borrower to repay the Advances, together with accrued
interest, and any amendments to or replacements of such promissory note.

                                       4
<PAGE>

      "Loan Documents" means the Agreement, the Term Note, the Line Note, each
Security Agreement, each Guaranty, and any other document that evidences,
secures, governs or otherwise relates to any of the Indebtedness, including,
without limitation, any letter of credit application and agreement, negative
pledge agreement, deed of trust, mortgage, security agreement, pledge agreement
or assignment.

      "Loans" means the Term Loan and Guidance Line.

      "Minimum Compliance Level" means $4,750,000 as of the date of this
Agreement, and adjusted upward, effective as of March 31, 2002, and as of the
end of each fiscal quarter thereafter, by an amount equal to the sum of (a) 45%
of the consolidated Net Income of the Borrower and its Subsidiaries for the
period beginning on the first day of the current fiscal year and ending on the
last day of such fiscal quarter, with each of the foregoing increases being
fully cumulative, and with no reduction being made on account of any negative
consolidated Net Income of the Borrower and its Subsidiaries for any such
period, plus (b) the aggregate amount of all cash and other consideration
received by the Borrower or any Subsidiary in respect of any Equity Issuance
during such fiscal quarter.

      "Minority Interest" means the amount attributable to the shares of
Wirthlin-Europe Limited issued to the sellers of BMR and included on the
consolidated balance sheet of the Borrower and its Subsidiaries in accordance
with GAAP.

      "Net Income" means, for any Person for any period, the consolidated gross
revenues of such Person and its Subsidiaries for such period less all
consolidated operating and non-operating expenses (including taxes) of such
Person and its Subsidiaries for such period, all as determined in accordance
with GAAP.

      "On-Line Information Service" means a text line or other on-line
information service provided to the Bank by any of Reuters Information Services,
Inc., Knight-Ridder Financial/Americas, Dow Jones Telerate, Inc. or Bloomberg
Financial Markets News Services, or any comparable reporting service selected by
the Bank.

      "Permitted Debt" means (a) the Indebtedness, (b) purchase money financing
and capitalized lease obligations for fixed assets and equipment not exceeding
$500,000 in the aggregate outstanding at any time, (c) indebtedness of a
Subsidiary to the Borrower or another Subsidiary, provided that such amount does
not exceed the amount specified as a Permitted Investment, (d) the loan notes
and redeemable stock issued in connection with the Acquisition, including the
obligations described on the Debt Schedule attached to this Agreement, (e)
ordinary and customary trade accounts payable, (f) currently outstanding debt of
the Borrower and its Subsidiaries, set forth on the Debt Schedule attached to
this Agreement, and (g) debt of the Borrower or any of its Subsidiaries to
current and former employees issued in connection with a purchase of equity
interests from such employees and former employees in accordance with the
Employee Equity Agreements.

      "Permitted Investments" means (a) travel advances made to employees in the
ordinary course of business, (b) loans to employees, officers or directors of
the Borrower and its Subsidiaries not exceeding $50,000 in the aggregate at any
time outstanding, (c) debt and equity investments made by the Borrower and its
Subsidiaries in Existing Subsidiaries from time to time in an aggregate amount
outstanding at any time not in excess of the Investment Cap, (e) investments in
cash and cash equivalents, and (f) notes receivable due to the Borrower from

                                       5
<PAGE>

its shareholders on the date hereof and described on the Schedule of Shareholder
Notes attached to this Agreement.

      "Permitted Liens" means (a) Liens securing the Indebtedness, (b) Liens
securing any purchase money financing or capitalized lease obligations described
in the definition of Permitted Debt, (c) Liens imposed by law for taxes not yet
due; (d) statutory Liens of landlords and Liens of carriers, warehousemen,
mechanics, materialmen and other Liens imposed by law created in the ordinary
course of business for amounts not yet due; (e) pledges and deposits made in the
ordinary course of business in compliance with workers' compensation,
unemployment insurance and other social security laws or regulations; (f)
deposits to secure the performance of bids, trade contracts, leases, statutory
obligations, surety and appeal bonds, performance bonds and other obligations of
a like nature, in each case in the ordinary course of business; (g) judgment and
attachment liens not giving rise to an Event of Default; and (h) easements,
zoning restrictions, rights-of-way and similar encumbrances on real property
imposed by law or arising in the ordinary course of business that do not secure
any monetary obligations and do not materially detract from the value of the
affected property or materially interfere with the ordinary conduct of business
of the Borrower and its Subsidiaries taken as a whole; provided, that the term
"Permitted Lien" shall not include any Lien securing debt other than as
described in clauses (a) and (b) hereof.

      "Person" means any individual, partnership, limited liability company,
joint venture, corporation, trust, governmental subdivision or agency or any
other entity of any nature,

      "Security Agreement" means a security agreement from each of the Borrower
and the Guarantors on the Bank's standard form, creating a first priority
security interest in the Collateral.

      "Subsidiary" as to any Person, means a corporation, partnership, limited
partnership, limited liability company or other entity of which shares of stock
or other ownership interests having ordinary voting power (other than stock or
such other ownership interests having such power only by reason of the happening
of a contingency) to elect a majority of the board of directors or other
managers of such entity are at the time owned, or the management of which is
otherwise controlled, directly or indirectly through one or more intermediaries,
or both, by such Person. Unless otherwise qualified, all references to a
"Subsidiary" or to "Subsidiaries" in this Agreement shall refer to a Subsidiary
or Subsidiaries of the Borrower.

      "Tangible Net Worth" means, at any time, the sum of the Minority Interest
plus amounts that would be included under stockholders' equity on the
consolidated balance sheet of the Borrower and its Subsidiaries in accordance
with GAAP, provided that, in any event, such amounts are to be net of amounts
carried on the books of the Borrower for (1) any write-up in the book value of
any assets of the Borrower resulting from a revaluation subsequent to the date
of this Agreement, (2) treasury stock, (3) unamortized debt discount expense,
(4) any cost of investments in excess of net assets acquired at any time of
acquisition by the Borrower, (5) loans, advances or other amounts owed to the
Borrower by any officer, director, shareholder or employee of the Borrower or
any Affiliate other than a consolidated Subsidiary ,(6) investments in any
Affiliate, (7) unmarketable securities, and (8) patents, patent applications,
copyrights, trademarks, trade names, goodwill, research and development costs,
organizational expenses, capitalized software costs and other like intangibles.

      "Term Note" means a promissory note, on the Bank's standard form, in the
principal amount of the Term Loan, made by the Borrower, and evidencing the
obligation of the Borrower

                                       6
<PAGE>

to repay the Term Loan, together with accrued interest, and any amendments to or
replacements of such promissory note.

      "Total Liabilities" means, at any date, the aggregate amount of all
consolidated liabilities of the Borrower and its Subsidiaries (including tax and
other proper accruals) that are or should be shown on the consolidated balance
sheet of the Borrower and its Subsidiaries in accordance with GAAP.

                                       7<PAGE>
                                                                               .
                                                                               .
                                                                               .

                                                                    Exhibit 10.7

(SUNTRUST LOGO)                                                  COMMERCIAL NOTE
                                                                        VIRGINIA

<Table>
<S>                                                                     <C>
Borrower:  Wirthlin Worldwide, Inc.                                     Date: September 07, 2004
          -----------------------------------------------------              ------------------------

Borrower's Address: 1920 Association Drive, Suite 500 Reston, VA 20191
                   ----------------------------------------------------------------------------------
Loan Amount: ***One Million Five Hundred Thousand and 00/100***         Dollars ($**1,500,000.00**)
            ---------------------------------------------------                 ---------------------

Account No.                             Note No.                        Officer:
            ------------------------             --------------                 ---------------------
</Table>

                                IMPORTANT NOTICE

THIS INSTRUMENT CONTAINS A CONFESSION OF JUDGMENT PROVISION WHICH CONSTITUTES A
WAIVER OF IMPORTANT RIGHTS YOU MAY HAVE AS A DEBTOR AND ALLOWS THE CREDITOR TO
OBTAIN A JUDGMENT AGAINST YOU WITHOUT ANY FURTHER NOTICE.

For value received, the borrower(s) named above, whether one or more (the
"Borrower"), jointly and severally promise to pay to the order of SunTrust Bank,
a Georgia banking corporation ("SunTrust") at any of its offices, or at such
place as SunTrust may in writing designate, without offset in U.S. Dollars in
immediately available funds, the Loan Amount shown above, or the total of all
amounts advanced under this Note if less than the full Loan Amount is advanced,
plus interest and any other amounts due, upon the terms specified below.

NOTE TYPE         REPAYMENT TERMS

[ ] Demand        THIS OBLIGATION IS PAYABLE ON DEMAND. SunTrust shall have the
    Note          right to demand payment at any time in its sole and absolute
                  discretion. Principal is payable on demand; accrued interest
                  will be payable on the _____ day of each ______________
                  beginning on ____________, __________, and on demand.

[ ] Time Note     [ ] One payment of all principal, interest and any other
                  amounts owed will be due and payable on _______________,
                  __________.

                  [ ] Accrued interest will be payable on the _____ day of each
                  ______________ beginning on ____________, __________.
                  Principal plus any accrued and unpaid interest and any other
                  amounts owed will be due and payable on ____________,
                  __________.

[ ] Fixed         Fixed payment schedule consisting of __________ consecutive
    Payment       __________ installments of principal and interest of
    Term Note     $_______________ each, payable on the _____ day of each
                  ______________, beginning ____________, __________, and a
                  final payment equal to the unpaid balance of principal plus
                  accrued and unpaid interest and any other amounts owed due and
                  payable on ____________, __________.

[ ] Variable      Variable payment schedule consisting of __________ consecutive
    Payment       __________ installments of principal of $_______________ each,
    Term Note     plus accrued interest, payable on the _____ day of each
                  ______________, beginning ____________, __________, and a
                  final payment of $_______________ plus accrued and unpaid
                  interest and any other amounts owed due and payable on
                  ____________, __________.

[X] Master        [ ] This is a closed end transaction; Borrower may borrow up
    Borrowing     to the Loan Amount but may not reborrow amounts that have been
    Note          repaid.

                  [X] This is an open end revolving line of credit; Borrower may
                  borrow an aggregate principal amount up to the Loan Amount
                  outstanding at any one time.

                      [ ] PRINCIPAL IS DUE AT MATURITY, but the Borrower shall
                      be liable for only so much of the Loan Amount as shall be
                      equal to the total amount advanced to the Borrower by
                      SunTrust from time to time, less all payments made by or
                      for the Borrower and applied by SunTrust to principal,
                      plus interest on each such advance, and any other amounts
                      due. Advances under this Note shall be recorded and
                      maintained by SunTrust in its internal records and such
                      records shall be conclusive of the principal and interest
                      owed by Borrower unless there is a material error in such
                      records. Accrued interest will be payable on the _____ day
                      of each _______________ beginning on ____________,
                      __________, with all accrued interest due and payable on
                      the maturity date. This Master Borrowing arrangement will
                      terminate on ____________, ______, (the "maturity date").

                      [X] THIS OBLIGATION IS PAYABLE ON DEMAND, but the Borrower
                      shall be liable for only so much of the Loan Amount as
                      shall be equal to the total amount advanced to the
                      Borrower by SunTrust from time to time, less all payments
                      made by or for the Borrower and applied by SunTrust to
                      principal, plus interest on each such advance, and any
                      other amounts due. Advances under this Note shall be
                      recorded and maintained by SunTrust in its internal

                                  Page 1 of 5
<PAGE>

                      records and such records shall be conclusive of the
                      principal and interest owed by Borrower unless there is a
                      material error in such records. SunTrust shall have no
                      obligation to make advances and all amounts outstanding
                      are due on demand. Accrued interest will be payable on the
                      First day of each Month beginning on October 01, 2004, and
                      on demand. This Master Borrowing arrangement may be
                      terminated without notice to the undersigned by SunTrust.

[ ] Variable      Variable payment schedule consisting of ______________________
    Payment       ______________________________________________________________
    Schedule      ______________________________________________________________
    Note

[X] ADDITIONAL TERMS AND CONDITIONS

This Note is governed by additional terms and conditions contained in a
Commitment Letter between the Borrower and SunTrust dated February 6, 2002 and
any modifications, renewals, extensions or replacements thereof (the
"Agreement"), which is incorporated herein by reference. In the event of a
conflict between any term or condition contained in this Note and in the
Agreement, such term or condition of the Agreement shall control.

INTEREST

Interest will accrue on a actual/360 basis (actual number of days elapsed over a
year of 360 days). Interest shall accrue from the date of disbursement on the
unpaid balance and shall continue to accrue until this Note is paid in full.

Subject to the above, interest per annum payable on this Note (the "Rate") shall
be:

    [ ] Fixed: ___________________% per annum fixed for the term of the loan.

    [ ] Variable: This is a variable rate transaction. The interest rate is
                  prospectively subject to increase or decrease without prior
                  notice and is based on the following Index.

        [ ] SunTrust Prime Rate, the Prime Rate as established from time to time
            by SunTrust.

        [ ] Wall Street Journal Prime, the Prime Rate published in the Money
            Rates section of the Wall Street Journal from time to time.

        [X] The LIBOR Rate as defined on the attached Addendum A.

        [ ] ___________________________________________________________________.

        Note: The "Prime Rate" is a reference for fixing the lending rate for
        commercial loans. The Prime Rate is a reference rate only and does not
        necessarily represent the lowest rate of interest charged for commercial
        borrowings. If the Index is the SunTrust Prime Rate, the Index is
        subject to increase or decrease at the sole option of SunTrust.

        The Rate shall equal [ ] the Index.

                             [X] the Index plus 1.50% per annum.

                             [ ] _______________% of the Index plus ________%
                                 per annum.

                             [ ] ______________________________________________.

        Adjustments to the Rate shall be effective:

                             [ ] as of the date the Index changes.

                             [X] as of the date referenced on the attached
                                 Addendum A.

                             [ ] ______________________________________________.

        The Rate shall not exceed the maximum rate permitted by applicable law.

[ ] RENEWAL

This Note represents a renewal and amendment of note number ____________________
dated ____________, _____________ executed by Borrower and does not, and is not
intended to, constitute a novation of the indebtedness evidenced by such note.

COLLATERAL

Unless otherwise agreed in writing, any collateral pledged to SunTrust to secure
any of the existing or future liabilities of the Borrower to SunTrust shall also
secure this Note. To the extent permitted by law, the Borrower grants to
SunTrust a security interest in and a lien upon all deposits or investments
maintained by the Borrower with SunTrust and any affiliates thereof.

The collateral for this Note includes, but is not limited to, the following:

All accounts certificates of title, chattel paper, commercial tort claims,
deposit accounts, documents, equipment, financial assets, fixtures, general
intangibles, instruments, inventory, investment property, letter of credit
rights, promissory notes, supporting obligations, all goods represented by any
of the foregoing and all goods that may be reclaimed or repossessed from or
returned by account debtors and all proceeds and products thereof (as all such
terms are defined the Uniform Commercial Code) owned by and as more particularly
described in the security agreements by Wirthlin Worldwide, by The Wirthlin
Group International, LLC, by Wirthlin Worldwide Hong Kong, LLC, dated February
6, 2002;

Assignment of Certificate of Deposit No. ____________________ and any renewals
thereof, issued by SunTrust Bank, 515 King St., Alexandria, VA, to The Wirthlin
Family Trust in the amount of $3,700,000.00.

                                  Page 2 of 5
<PAGE>

All of the foregoing security is referred to collectively as the "Collateral".
The Collateral is security for the payment of this Note and any other liability
(including overdrafts and future advances) of the Borrower to SunTrust, however
evidenced, now existing or hereafter incurred, matured or unmatured, direct or
indirect, absolute or contingent, several, joint, or joint and several,
including any extensions, modifications or renewals. The proceeds of any
Collateral may be applied against the liabilities of the Borrower to SunTrust in
such order as SunTrust deems proper.

LOAN PURPOSE AND UPDATED FINANCIAL INFORMATION REQUIRED

The Borrower warrants and represents that the loan evidenced by this Note is
being made solely for the purpose of acquiring or carrying on a business,
professional or commercial activity or acquiring real or personal property as an
investment (other than a personal investment) or for carrying on an investment
activity (other than a personal investment activity). The Borrower agrees to
provide to SunTrust updated financial information, including, but not limited
to, tax returns, current financial statements in form satisfactory to SunTrust,
as well as additional information, reports or schedules (financial or
otherwise), all as SunTrust may from time to time request.

REPRESENTATIONS AND WARRANTIES

This Note has been duly executed and delivered by Borrower, constitutes
Borrower's valid and legally binding obligations and is enforceable in
accordance with its terms against Borrower. The execution, delivery and
performance of this Note and the consummation of the transaction contemplated
will not, with or without the giving of notice or the lapse of time, (a) violate
any material law applicable to Borrower, (b) violate any judgment, writ,
injunction or order of any court or governmental body or officer applicable to
Borrower, (c) violate or result in the breach of any material agreement to which
Borrower is a party, nor (d) violate Borrower's charter or bylaws as applicable.
No consent, approval, license, permit or other authorization of any third party
or any governmental body or officer is required for the valid and lawful
execution and delivery of this Note.

DEFAULT, ACCELERATION AND SETOFF

This section is not applicable to notes payable on demand.

An "event of default" shall occur hereunder upon the occurrence of any one or
more of the following events or conditions:

    a.  the failure by any Obligor (as defined below) to pay when due, whether
        by acceleration or otherwise, any amount owed under this Note;

    b.  the occurrence of any event of default under any agreement or loan
        document executed in conjunction with this Note or the failure of any
        Obligor to perform any covenant, promise or obligation contained in this
        Note or any other agreement to which any Obligor and SunTrust are
        parties;

    c.  the breach of any of any Obligor's representation or warranties
        contained in this Note or any other agreement with SunTrust;

    d.  the failure of any Obligor to pay when due any amount owed to any
        creditor other than SunTrust under a written agreement calling for the
        payment of money;

    e.  the death, declaration of incompetency, dissolution, liquidation,
        merger, consolidation, termination or suspension of usual business of
        any Obligor;

    f.  any person or entity, or any group of related persons or entities, shall
        have or obtain legal or beneficial ownership of a majority of the
        outstanding voting securities or rights of any Obligor that is not a
        natural person, other than any person or entity, or any group of related
        persons or entities that has such majority ownership as of the date of
        this Note;

    g.  the insolvency or inability to pay debts as they mature of any Obligor,
        the application for the appointment of a receiver for any Obligor, the
        filing of a petition or the commencement of a proceeding by or against
        any Obligor under any provision of any applicable Bankruptcy Code or
        other insolvency law or statute, or any assignment for the benefit of
        creditors by or against any Obligor;

    h.  the entry of a judgment or the issuance or service of any attachment,
        levy or garnishment against any Obligor or the property of any Obligor
        or the repossession or seizure of property of any Obligor;

    i.  a determination by SunTrust that a material adverse change in the
        financial condition of any Obligor has occurred since the date of this
        Note;

    j.  any Obligor commits fraud or makes a material misrepresentation at any
        time in connection with this Note or any Collateral;

    k.  any deterioration or impairment of the Collateral or any decline or
        depreciation in the value of the Collateral which causes the Collateral
        in the judgment of SunTrust to become unsatisfactory as to character or
        value;

    l.  the sale or transfer by any Obligor of all or substantially all of such
        Obligor's assets other than in the ordinary course of business; or

    m.  any other act or circumstances leading SunTrust to deem itself insecure.

If an event of default occurs, or in the event of non-payment of this Note in
full at maturity, the entire unpaid balance of this Note shall, at the option of
SunTrust, become immediately due and payable, without notice or demand. The
entire unpaid balance of this Note shall automatically become immediately due
and payable without notice or demand upon the occurrence of an event of default
under section g above. Upon the occurrence of an event of default, SunTrust
shall be entitled to interest on the unpaid balance of this Note at the lesser
of (a) the Rate plus 4.00% per annum or (b) the maximum rate allowed by law (the
"Default Rate") until paid in full. To the extent permitted by law, upon default
SunTrust will have the right, in addition to all other remedies permitted by
law, to set off the amount due under this Note or due under any other obligation
to SunTrust against any and all accounts, whether checking or savings or
otherwise, credits, money, stocks, bonds or other security or property of any
nature whatsoever on deposit with, held by, owed by, or in the possession of,
SunTrust to the credit of or for the account of any Obligor, without notice to
or consent by any Obligor. The

                                  Page 3 of 5
<PAGE>

remedies provided in this Note and any other agreement between SunTrust and any
Obligor are cumulative and not exclusive of any other remedies provided by law.

SETOFF AND OTHER REMEDIES APPLICABLE TO NOTES PAYABLE ON DEMAND

To the extent permitted by law, if payment is not made upon demand, SunTrust
will have the right, in addition to all other remedies permitted by law, to set
off the amount due under this Note or due under any other obligation of Borrower
to SunTrust against any and all accounts, whether checking or savings or
otherwise, credits, money, stocks, bonds or other security or property of any
nature whatsoever on deposit with, held by, owed by, or in the possession of,
SunTrust to the credit of or for the account of any Obligor (as defined below),
without notice to or consent by Obligor. If payment is not made upon demand,
Borrower shall be deemed to be in default and SunTrust shall be entitled to
interest on the unpaid balance of this Note at the lesser of (a) the Rate plus
4.00% per annum or (b) the maximum rate allowed by law (the "Default Rate") from
the time of demand until paid in full. The remedies provided in this Note and
any other agreement between SunTrust and any Obligor are cumulative and not
exclusive of any other remedies provided by law.

LATE CHARGES AND OTHER AUTHORIZED FEES AND CHARGES

As used herein, the term "Obligor" shall individually and collectively refer to
the Borrower and any person or entity that is primarily or secondarily liable on
this Note and any person or entity that has conveyed or may hereafter convey any
security interest or lien to SunTrust in any real or personal property to secure
payment of this Note. If any portion of a payment is at least ten (10) days past
due, the Borrower agrees to pay a late charge of 5% of the amount which is past
due. Unless prohibited by applicable law, the Borrower agrees to pay the fee
established by SunTrust from time to time for returned checks if a payment is
made on this Note with a check and the check is dishonored for any reason after
the second presentment. In addition to any other amounts owed under the terms of
this Note, the Borrower agrees to pay those fees and charges disclosed in the
attached Disbursements and Charges Summary which is incorporated in this Note by
reference and, as permitted by applicable law, the Borrower agrees to pay the
following: (a) all expenses, including, without limitation, any and all costs
incurred by SunTrust related to default, all court costs and out-of-pocket
collection expenses and attorneys' fees, whether suit be brought or not,
incurred in collecting this Note; (b) all costs incurred in evaluating,
preserving or disposing of any Collateral granted as security for the payment of
this Note, including the cost of any audits, appraisals, appraisal updates,
reappraisals or environmental inspections which SunTrust from time to time in
its sole discretion may deem necessary; (c) any premiums for property insurance
purchased on behalf of the Borrower or on behalf of the owner(s) of any
Collateral pursuant to any security instrument relating to any Collateral; (d)
any expenses or costs incurred in defending any claim arising out of the
execution of this Note or the obligation which it evidences, or otherwise
involving the employment by SunTrust of attorneys with respect to this Note and
the obligations it evidences; and (e) any other charges permitted by applicable
law. The Borrower agrees to pay such amounts on demand or, at SunTrust's option,
such amounts may be added to the unpaid balance of the Note and shall accrue
interest at the stated Rate. Upon the occurrence of an event of default, or
after demand and failure to pay if this Note is payable on demand, interest
shall accrue at the Default Rate.

[ ] PREPAYMENT PROVISIONS

This Note is subject to prepayment conditions as described in the attached
Prepayment Rider of even date which is incorporated herein by reference.

WAIVERS

The Borrower and each other Obligor waive presentment, demand, protest, notice
of protest and notice of dishonor and waive all exemptions, whether homestead or
otherwise, as to the obligations evidenced by this Note and waive any discharge
or defenses based on suretyship or impairment of Collateral or of recourse. The
Borrower and each other Obligor waive any rights to require SunTrust to proceed
against any other Obligor or any Collateral before proceeding against the
Borrower or any of them, or any other Obligor, and agree that without notice to
any Obligor and without affecting any Obligor's liability, SunTrust, at any time
or times, may grant extensions of the time for payment or other indulgences to
any Obligor or permit the renewal or modification of this Note, or permit the
substitution, exchange or release of any Collateral for this Note and may add or
release any Obligor primarily or secondarily liable. The Borrower and each other
Obligor agree that SunTrust may apply all monies made available to it from any
part of the proceeds of the disposition of any Collateral or by exercise of the
right of setoff either to the obligations under this Note or to any other
obligations of any Obligor to SunTrust, as SunTrust may elect from time to time.
The Borrower also waives any rights afforded by Sections 49-25 and 49-26 of the
Code of Virginia of 1950 as amended.

JUDGMENT BY CONFESSION

The undersigned hereby duly constitute and appoint C B Bohannon and Andrzei
Koplewski as the true and lawful attorney-in-fact for them in any or all of
their names, place and stead, and upon the occurrence of an event of default, to
confess judgment against them, or any of them, in the Circuit Court for the
City/County of Fairfax, Virginia, upon this Note and all amounts owed hereunder,
including all costs of collection, attorneys' fees equal to 15% of the unpaid
principal balance hereof and court costs, hereby ratifying and confirming the
acts of said attorney-in-fact as if done by themselves, expressly waiving
benefit of any homestead or other exemption laws.

WAIVER OF JURY TRIAL

THE BORROWER AND SUNTRUST HEREBY KNOWINGLY, VOLUNTARILY, INTENTIONALLY, AND
IRREVOCABLY WAIVE, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE RIGHT
EITHER OF THEM MAY HAVE TO A TRIAL BY JURY IN RESPECT TO ANY LITIGATION, WHETHER
IN CONTRACT OR TORT, AT LAW OR IN EQUITY, BASED HEREON OR ARISING OUT OF, UNDER
OR IN CONNECTION WITH THIS NOTE AND ANY OTHER DOCUMENT OR INSTRUMENT
CONTEMPLATED TO BE EXECUTED IN CONJUNCTION WITH THIS NOTE, OR ANY COURSE OF
CONDUCT, COURSE OF DEALING, STATEMENTS

                                  Page 4 of 5
<PAGE>

(WHETHER VERBAL OR WRITTEN) OR ACTIONS OF ANY PARTY HERETO. THIS PROVISION IS A
MATERIAL INDUCEMENT FOR SUNTRUST ENTERING INTO OR ACCEPTING THIS NOTE. FURTHER,
THE BORROWER HEREBY CERTIFIES THAT NO REPRESENTATIVE OR AGENT OF SUNTRUST, NOR
SUNTRUST'S COUNSEL, HAS REPRESENTED, EXPRESSLY OR OTHERWISE, THAT SUNTRUST WOULD
NOT, IN THE EVENT OF SUCH LITIGATION, SEEK TO ENFORCE THIS WAIVER OF RIGHT TO
JURY TRIAL PROVISION.

MISCELLANEOUS

All amounts received by SunTrust shall be applied to expenses, late fees and
interest before principal or in any other order as determined by SunTrust, in it
sole discretion, as permitted by law. Any provision of this Note which is
prohibited or unenforceable shall be ineffective to the extent of such
prohibition or unenforceability without invalidating the remaining provisions of
this Note. No amendment, modification, termination or waiver of any provision of
this Note, nor consent to any departure by the Borrower from any term of this
Note, shall in any event be effective unless it is in writing and signed by an
authorized officer of SunTrust, and then such waiver or consent shall be
effective only in the specific instance and for the specific purpose for which
given. If the interest Rate is tied to an external index and the index becomes
unavailable during the term of this loan, SunTrust may, in its sole and absolute
discretion, designate a substitute index with notice to the Borrower. No failure
or delay on the part of SunTrust to exercise any right, power or remedy under
this Note shall be construed as a waiver of the right to exercise the same or
any other right at any time. The captions of the paragraphs of this Note are for
convenience only and shall not be deeded to constitute a part hereof or used in
construing the intent of the parties. All representations, warranties, covenants
and agreements contained herein or made in writing by Borrower in connection
herewith shall survive the execution and delivery of this Note and any other
agreement, document or writing relating to or arising out of any of the
foregoing. All notices or communications given to Borrower pursuant to the terms
of this Note shall be in writing and given to Borrower at Borrower's address
stated above unless Borrower notifies SunTrust in writing of a different
address. Unless otherwise specifically provided herein to the contrary, such
written notices and communications shall be delivered by hand or overnight
courier service, or mailed by first class mail, postage prepaid, addressed to
the Borrower at the address referred to herein. Any written notice delivered by
hand or by overnight courier service shall be deemed given or received upon
receipt. Any written notice delivered by U.S. Mail shall be deemed given or
received on the third (3rd) business day after being deposited in the U.S. Mail.

LIABILITY, SUCCESSORS AND ASSIGNS AND CHOICE OF LAW

Each Borrower shall be jointly and severally obligated and liable on this Note.
This Note shall apply to and bind each of the Borrower's heirs, personal
representatives, successors and permitted assigns and shall inure to the benefit
of SunTrust, its successors and assigns. Notwithstanding the foregoing, Borrower
shall not assign Borrower's rights or obligations under this Note without
SunTrust's prior written consent. This Note shall be governed by applicable
federal law and the internal laws of the Commonwealth of Virginia. The Borrower
agrees that certain material events and occurrences relating to this Note bear a
reasonable relationship to the laws of Virginia and the validity, terms,
performance and enforcement of this Note shall be governed by the internal laws
of Virginia which are applicable to agreements which are negotiated, executed,
delivered and performed solely in Virginia. Unless applicable law provides
otherwise, in the event of any legal proceeding arising out of or related to
this Note, Borrower consents to the jurisdiction and venue of any court located
in the Commonwealth of Virginia.

By signing below, the Borrower agrees to the terms of this Note and the
disbursement of proceeds as described in the Disbursements and Charges Summary
form provided in connection with this transaction.

Individual Borrower(s):                    Non-Individual Borrower(s):

                                           Wirthlin Worldwide, Inc.
-------------------------------------      -------------------------------------
Borrower Signature                         Borrower

                                           By: /s/ Joel A. White
-------------------------------------         ----------------------------------
Name, printed or typed

                                           Joel A. White, CFO
-------------------------------------      -------------------------------------
Borrower Signature                         Name and title, printed or typed

-------------------------------------      -------------------------------------
Name, printed or typed                     Borrower

                                           By:
-------------------------------------         ----------------------------------
Borrower Signature

-------------------------------------      -------------------------------------
Name, printed or typed                     Name and title, printed or typed

-------------------------------------      -------------------------------------
Borrower Signature                         Borrower

                                           By:
-------------------------------------         ----------------------------------
Name, printed or typed

-------------------------------------      -------------------------------------
Borrower Signature                         Name and title, printed or typed

-------------------------------------
Name, printed or typed

                                  Page 5 of 5

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