Document:

Amended and Restated Commercial Promissory Note

 EXHIBIT 10.2 
 Customer No. 
 Loan No. 
  

					
	RBC Centura	 		  	 Amended and Restated
 Commercial Promissory Note
 (SD-L&S)

  

					
	 7,000,000.00
	 		  	Greenville, South Carolina
		 		  	September 14, 2007
	 Amended and Restated Note
	 		  	

 FOR VALUE RECEIVED, the undersigned (whether one or more, “Borrower”) promises to pay to RBC CENTURA
BANK (“Bank”), or order, the maximum sum of Seven Million and no/100 Dollars ($7,000,000.00), or so much thereof as shall have been disbursed from time to time and remains unpaid, together with interest at the rate and payable in the
manner hereinafter stated. Principal and interest shall be payable at any banking office of Bank in the city or town indicated above, or such other place as the holder of this Note may designate. This Note evidences a revolving line of credit and
during the term of this Note, so long as Borrower shall not be in default hereunder, Borrower shall have the right to borrow, make payments upon, and re-borrow monies hereunder; provided, however, that at no time shall the outstanding
principal balance of this Note exceed the sum of Seven Million and no/100 ($7,000,000.00) Dollars. 
 Article I. Interest Rate. 
 Section 1.1. Rate of Accrual. Interest will accrue on the unpaid principal balance at the rate set forth in Section 1.2.1. until maturity of this
Note, whether such maturity occurs by acceleration or on the Maturity Date. Interest will accrue on any unpaid balance owing under this Note, whether principal, interest, fees, premiums, charges or costs and expenses, after maturity at the rate set
forth in Section 1.2.2. All accrual rates of interest under this Note will be contract rates of interest, whether a pre-default rate or a default rate, and references to contract rates in any loan documents executed and delivered by
Borrower or others to Bank in connection with this Note shall be to such contract rates. 
 Section 1.2. Interest Rates. 
 1.2.1. Pre-Default Rate. Subject to the provisions of Section 1.2.2 below, interest payable on this Note per annum will accrue at two
hundred fifty basis points 2.50%) plus the LIBOR Base Rate. The “LIBOR Base Rate” is the London Interbank Offer Rate for United States Dollars for a term of one month which appears on Telerate Page 3750, Bloomberg
Professional Screen BBAM (or any generally recognized successor method or means of publication) as of 11:00 a.m., London time, two (2) London business days prior to the day on which the rate will become effective. The rate for the first month
or part thereof will initially become effective on the date of the Note as shown on the face hereof. Thereafter, the rate will change and a new rate will become effective on the first calendar day of each succeeding month. If for any reason the
London Interbank Offer Rate is not available, then the “LIBOR Base Rate” shall mean the rate per annum which banks charge each other in a market comparable to England’s Eurodollar market on short-term money in U.S. Dollars for an
amount substantially equivalent to the principal amount due under this Note as determined at 11:00 A.M., London time, two (2) London business days prior to the day on which the rate will become effective, as determined in the Bank’s sole
discretion. Bank’s determination of such interest rate shall be conclusive, absent manifest error. 
 1.2.2. Default Rate. Upon
the nonpayment of any payment of interest described herein, Bank, at its option and without accelerating this Note, may accrue interest on such unpaid interest at a rate per annum (“Default Rate”) equal to the lesser of (i) the
maximum contract rate of interest that may be charged to and collected from Borrower on the loan evidenced by this Note under applicable law or (ii) five percent (5.0%) plus the pre-default 

  

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interest rate otherwise applicable hereunder, as set forth in Section 1.2.1. After maturity of this Note, whether by acceleration or otherwise,
interest will accrue on the unpaid principal of this Note, any accrued but unpaid interest and all fees, premiums, charges and costs and expenses owing hereunder at the Default Rate until this Note is paid in full, whether this Note is paid in full,
pre-judgment or post-judgment. 
 1.2.3. Variable Rate; Calculation of Interest. 
 1.2.3.1. Variable Rate. This is a variable rate note. Any change in the rate of interest payable under this Note will equal the change in the
variable rate index to which such rate is tied, but the rate at which interest accrues under this Note shall never exceed the maximum contract rate which may be charged to and collected from Borrower on the loan evidenced by this Note under
applicable law. Bank shall have no obligation to notify Borrower of adjustments in the rate of interest payable under this Note. Adjustments to the rate of interest will be effective on the date of change in the variable rate index. 
 1.2.3.2. Calculation of Interest. All interest payable under this Note shall accrue daily on the basis of the actual number of days elapsed and a
year of three hundred sixty (360) days. In computing the number of days during which interest accrues, the day on which funds are initially advanced shall be included regardless of the time of day such advance is made, and the day on which
funds are repaid shall be included unless repayment is credited prior to close of business. Payments in federal funds, immediately available in the place designated for payment, received by Bank prior to 2:00 p.m. local time at said place of
payment, shall be credited as if received prior to close of business on the day the funds are immediately available; while other payments, at the option of Bank, may not be credited until such payments are immediately available to Bank, in federal
funds, in the place designated for payment, prior to 2:00 p.m. local time at said place of payment on a day on which Bank is open for business. 
 Article II. Payment Terms. 
 Section 2.1. Interest Payment Terms. Payments under this Note include an interest component and a
principal component. The principal component is set forth in Section 2.2 below. The interest component shall be paid as follows: interest shall be payable monthly, in arrears, beginning October 1, 2007 and continuing on the same
calendar day of each consecutive month thereafter until the Maturity Date, when all accrued but unpaid interest is due and payable in full. 
 Section 2.2. Principal Payment Terms; Maturity Date. As stated in Section 2.1 above, payments under this Note include an interest component and a principal component. The interest component is set forth in
Section 2.1 above. The principal component shall be paid as follows: Principal and interest shall be payable in one single payment on June 30, 2009 (herein referred to as the “Maturity Date”). 
 Section 2.3. Prepayment. This Note may be prepaid in whole, or in part at any time without penalty. 
 Section 2.4. Application of Payments. All payments made on this Note shall be applied first to payment of all late fees, charges, premiums and costs and
expenses due but unpaid under this Note, then to accrued but unpaid interest and finally to principal, in the inverse order of the payment dates therefor, unless Bank determines in its sole discretion to apply payments in a different order or
applicable law requires a different application of payments. The partial prepayment of this Note, if permitted, shall not result in a payment holiday or any other deferral of any regularly scheduled payments under this Note, all of which shall be
made as and when the same are scheduled to be paid. 
 Article III. Loan Agreement and Security. 
 Section 3.1. Loan Agreement. The loan evidenced by this Note was made pursuant to a commitment letter (“Commitment Letter”) from Bank to Borrower dated
September 10, 2007. Borrower and Bank have entered into a Second Amended and Restated Loan and Security Agreement dated September 14, 2007 (“Loan and Security Agreement”). Borrower shall perform and abide by, as and when so
required, each and all of the covenants, terms and conditions imposed upon or applicable to Borrower in the Loan and Security Agreement and all security 

  

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documents and other agreements referenced in the Loan and Security Agreement. In the event of any conflict between the terms of this Note and the terms of
the Loan and Security Agreement, the terms of the Loan and Security Agreement shall prevail, except that the terms of this Note shall prevail with respect to the payment obligations of Borrower. 
 Section 3.2. Security Documents. This Note is secured by (1) the Loan and Security Agreement, (2) the security documents and other supporting
obligations identified in the Loan and Security Agreement, (3) the security documents and other supporting obligations which reference that they secure this Note or the Loan and Security Agreement, (4) any security documents and other
supporting obligations which reference that they secure all indebtedness or other obligations owing from time to time by Borrower to Bank, and (5) any security documents and other supporting obligations which reference that they secure all
indebtedness from time to time owing from Borrower to Bank other than consumer credit as defined under the Federal Reserve Board’s Regulation Z (Truth-in-Lending) (12 CFR 226 et seq.) (“security documents”). 
 Article IV. Default and Acceleration. 
 Section 4.1. Late
Charges and Expenses. Borrower agrees to pay, upon demand by Bank or if demand is not sooner made, on maturity of this Note, whether such maturity occurs by acceleration or on the Maturity Date, for each payment past due for fifteen (15) or
more calendar days, a late charge in an amount equal to the lesser of (1) four percent (4%) of the amount of the payment past due or (2) the maximum percentage of the payment past due permitted by applicable law, or the maximum amount
if not expressed as a percentage. If this Note is not paid in full whenever it becomes due and payable, Borrower agrees to pay all costs and expenses of collection, including reasonable attorneys’ fees. Borrower hereby stipulates that
reasonable attorneys’ fees shall be fifteen percent (15%) of the outstanding balance (principal, interest, fees, premiums, charges and costs and expenses) owing under this Note after default and referral to an attorney not a salaried
employee of Bank. 
 Section 4.2. Default. Any Event of Default under the Loan and Security Agreement shall constitute an event of default
(“Event of Default”) under this Note. 
 Section 4.3. Acceleration. Upon the occurrence of an Event of Default, (1) the entire unpaid
principal balance of this Note, together with all other amounts owing and all other amounts to be owing under this Note, shall, at the option of Bank, become immediately due and payable, without notice or demand, and (2) the Bank may, both
before and after acceleration, exercise any of and all of its other rights and remedies under this Note and the other loan documents, as well as any additional rights and remedies it may have at law and it may have in equity, to recover full payment
of the balance (principal, interest, fees, premiums, charges and costs and expenses) owing under this Note. The failure by Bank to exercise any of its options shall not constitute a waiver of the right to exercise same in the event of any subsequent
default. 
 Article V. Miscellaneous. 
 Section
5.1. Use and Application of Terms. To the end of achieving the full realization by Bank of its rights and remedies under this Note, including payment in full of the loan evidenced hereby, in using and applying the various terms, provisions
and conditions in this Note, the following shall apply: (1) words in the masculine gender mean and include correlative words of the feminine and neuter genders and words importing the singular numbered meaning include the plural number, and
vice versa; (2) words importing persons include firms, companies, associations, general partnerships, limited partnerships, limited liability partnerships, limited liability limited partnerships, limited liability companies, trusts, business
trusts, corporations and legal entities, including public and quasi-public bodies, as well as individuals; (3) the term “Note” refers to this Commercial Promissory Note, the term “loan document” refers to this Note, the Loan
and Security Agreement and any security documents and other documents and agreements executed and delivered to Bank or others on Bank’s behalf in connection with this Note, and the term “Borrower” refers to all signatories of this
Note collectively and severally, as the context of this Note requires, and all signatories of this Note shall be and the same are jointly and severally liable hereunder; (4) as the context requires, the word “and” may have a joint
meaning or a several meaning and the word “or” may have an inclusive meaning or an exclusive meaning; (5) the term “subsidiary” means any registered organization or other organization 

  

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(i) the majority (by number of votes) of the outstanding voting interests of which is at the time owned or controlled by Borrower, or by one or more
subsidiaries of Borrower, or Borrower and one or more subsidiaries of Borrower, or (ii) otherwise controlled by or within the control of Borrower or any subsidiary; (6) the other loan documents shall be applied and construed in harmony
with each other to the end that Bank is ensured repayment of the loan evidenced by this Note in accordance with the terms of this Note and such other loan documents, and this Note and the other loan documents shall not be applied, interpreted and
construed more strictly against a person because that person or that person’s attorney drafted this Note or any of the other loan documents, provided that, in the event of a conflict between the terms of this Note and any other loan documents
(on the one hand) and the Loan and Security Agreement (on the other hand), the terms of the Loan and Security Agreement shall prevail; (7) Bank does not intend to and shall not reserve, charge or collect interest, fees or charges hereunder in
excess of the maximum rates or amounts permitted by applicable law and if any interest, fees or charges are reserved, charged or collected in excess of the maximum rates or amounts, it shall be construed as a mutual mistake, appropriate adjustments
shall be made by Bank and to the extent paid, the excess shall be returned to the person making such a payment; (8) wherever possible each provision of this Note shall be interpreted and applied in such manner as to be effective and valid under
applicable law, but if any provision of this Note shall be prohibited or invalid under such law, or the application thereof shall be prohibited or invalid under such law, such provision shall be ineffective to the extent of such prohibition or
invalidity without invalidating the remainder of such provision or the remaining provisions of this Note, or the application thereof shall be in a manner and to an extent permissible under applicable law; and (9) any capitalized terms used
herein and not defined in the specific section in which they are used shall have the meanings assigned to such terms in the Loan and Security Agreement. 
 Section 5.2. Documentary and Intangibles Taxes. To the extent not prohibited by law and notwithstanding who is liable for payment of the taxes and fees, Borrower shall pay, on Bank’s demand, all intangible personal property
taxes, documentary stamp taxes, excise taxes and other similar taxes assessed, charged or required to be paid in connection with the loan evidenced by this Note, or any extension, renewal or modification of such loan, or assessed, charged or
required to be paid in connection with any of the loan documents. 
 Section 5.3. Maintenance of Records by Bank. Bank is authorized to maintain,
store and otherwise retain the loan documents in their original, inscribed tangible forms or records thereof in an electronic medium or other non-tangible medium which permits such records to be retrieved in perceivable forms. 
 Section 5.4. Right of Set-off; Recoupment. Upon the occurrence of an Event of Default, Bank is authorized and empowered to apply to the payment hereof, any and
all money deposited in Bank in the name of or to the credit of Borrower, without advance notice, and is authorized to offset any obligation of Bank to Borrower to the payment hereof and is authorized to exercise its rights of recoupment relative to
Borrower. 
 Section 5.5. Waiver. Borrower waives presentment, demand, protest and notice of dishonor, waives any rights which it may have to require
Bank to proceed against any other person or property, agrees that without notice to any person and without affecting any person’s liability under this Note, Bank, at any time or times, may grant extensions of the time for payment or other
indulgences to any person or permit the renewal, amendment or modification of this Note or any other agreement executed and delivered by any person in connection with this Note, or permit the substitution, exchange or release of any security for
this Note and may add or release any person primarily or secondarily liable, and agrees that Bank may apply all moneys made available to it from any part of the proceeds from the disposition of any security for this Note either to this Note or to
any other obligation of Borrower to Bank, as Bank may elect from time to time. No act or inaction of Bank under this Note shall be deemed to constitute or establish a “course of performance or dealing” that would require Bank to so act or
refrain from acting in any particular manner at a later time under similar or dissimilar circumstances. 
 Section 5.6. Jury and Jurisdiction. This
Note shall be governed by and construed in accordance with the substantive laws of the State of South Carolina, excluding, however, the conflict of law and choice of law provisions thereof, and except to the extent that the Code of another
jurisdiction is otherwise applicable to the Collateral. Borrower, to the extent permitted by law, waives any right to a trial by jury in any action arising from or related to this Note. 
  

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 Section 5.7. Successors and Assigns. This Note shall apply to and bind Borrower’s and Bank’s heirs,
personal representatives, successors and assigns. All references in this Note to Bank shall include the holder hereof and this Note shall inure to the benefit of any holder, its successors and assigns; and, Borrower waives and will not assert
against any transferee or assignee of this Note any claims, defenses, set-offs or rights of recoupment which Borrower could assert against Bank, except defenses which Borrower cannot waive. Borrower acknowledges that Customer Numbers and Loan
Numbers may be added to this Note after execution and delivery of this Note by Borrower and if there is a section denoted “BANK USE ONLY”, the information under such section may also be completed by Bank after execution and delivery of
this Note. In addition, in the event the date of this Note is omitted, Borrower consents to Bank inserting the date. 
 Section 5.8. Anti-Money Laundering
and Anti-Terrorism. Borrower represents, warrants and covenants to Bank as follows: (1) Borrower (a) is not and shall not become a person whose property or interest in property is blocked or subject to blocking pursuant to
Section 1 of Executive Order 13224 of September 23, 2001 Blocking Property and Prohibiting Transactions With Persons Who Commit, Threaten to Commit, or Support Terrorism (66 Fed. Reg. 49079 (2001)), (b) does not engage in and shall
not engage in any dealings or transactions prohibited by Section 2 of such executive order, and is not and shall not otherwise become associated with any such person in any manner violative of Section 2, (c) is not and shall not
become a person on the list of Specially Designated Nationals and Blocked Persons, and (d) is not and shall not become subject to the limitations or prohibitions under any other U.S. Department of Treasury’s Office of Foreign Assets
Control regulation or executive order; (2) Borrower is and shall remain in compliance, in all material respects, with (a) the Trading with the Enemy Act, as amended, and each of the foreign assets control regulations of the United States
Treasury Department (31 CFR, Subtitle B, Chapter V, as amended) and any other enabling legislation or executive order relating thereto, and (b) the Uniting And Strengthening America By Providing Appropriate Tools Required To Intercept And
Obstruct Terrorism (USA Patriot Act of 2001); and (3) Borrower has not and shall not use all or any part of the proceeds, advances or other amounts or sums evidenced by this Note, directly or indirectly, for any payments to any governmental
official or employee, political party, official of a political party, candidate for political office, or anyone else acting in an official capacity, in order to obtain, retain or direct business or obtain any improper advantage, in violation of the
United States Foreign Corrupt Practices Act of 1977, as amended. 
 Section 5.9. Amendment and Restatement. This Amended and Restated Promissory
Note amends and restates in its entirety that certain Commercial Promissory Note dated January 2, 2007 in the original maximum principal amount of Five Million Five Hundred Thousand and no/100 Dollars ($5,500,000.00), executed and delivered by
Borrower to Bank (the “Original Note”). This Amended and Restated Note is not a new obligation and shall not constitute a novation of the indebtedness in connection with the Original Note or any other Loan Documents, all of which are being
herewith modified to incorporate therein the terms hereof, but which shall otherwise remain in full force and effect and unchanged. This Amended and Restated Note is and shall be secured by the Loan Documents as fully as the Original Note.

 (Signatures Begin on the Next Page) 
  

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 The undersigned has executed this Note as of the day and year first above stated. 
  

									
	COMPUTER SOFTWARE INNOVATIONS, INC.	 		 	Witness:
				
	By:	 	 /s/ David Dechant
	 		 	 /s/ Wendy Knorr

	Print Name:	 	 David Dechant
	 		 	Print Name:	 	 Wendy Knorr

	Title:	 	 CFO
	 		 		 	

  

 Page 6 of 6Commitment Letter

 EXHIBIT 10.3 
  

			
	

	  	531 South Main St.
Greenville, SC 29601
864.282.1667 direct
864.282.1675 fax
charles.arndt@rbc.com

 September 10, 2007 
 Ms. Nancy Hedrick 
 Mr. David Dechant 
 Computer Software Innovations 
 900 East Main St., Suite T 
 Easley, SC 29640 
 Dear Nancy and David: 
 RBC Centura
Bank (“Bank”) is pleased to extend this commitment to make the Revolving Facility (the “Loan”) described in this letter to the Borrower identified below. The Loan will be made on the terms and conditions set forth in this letter
and any attachments to this letter. Bank’s commitment set forth in this letter shall be referred to as the “Commitment” and this letter shall be referred to as the “Commitment Letter”. Any capitalized terms shall have the
meanings ascribed to them in the Amended and Restated Loan and Security Agreement dated January 2, 2007 (the “Loan Agreement”) and the Commercial Promissory Note dated January 2, 2007 related to this Loan. 
 1. General Terms. 
  

					
		
	 Borrower
	  	Computer Software Innovations, Inc., a Delaware Corporation.
		
	 Loan Amount
	  	Up to Seven Million Dollars ($7,000,000) as shown below.
		
	 Type of Loan
	  	A revolving loan of up to Seven Million Dollars ($7,000,000).
		
	 Purpose of Loan
	  	The Loan shall be used to fund short-term working capital and general corporate purposes of Borrower.
		
	 Interest Rate
	  	Variable rate equal to “LIBOR” plus 250 basis points.
		
	 Payment Terms
	  	Interest only monthly, maturing on 6-30-09. Any future renewal or extension will be based on Bank’s favorable review of Borrower’s financial performance.
		
	 Loan Advances
	  	 Advances under the Loan shall be based on a borrowing base and a certified borrowing base report. Bank will make advances to Borrower
provided the outstanding balance under the Loan does not exceed the lesser of (i) the borrowing base which shall be comprised of eighty percent (80%) of Eligible Accounts and fifty percent (50%) of Eligible Inventory (capped at $1,000,000
borrowable), or (ii) the available amount under Revolving Facility.
  
 “Eligible
Accounts” means accounts of the Borrower, in which Borrower
  

 

 

 Computer Software Innovations, Inc. 
 September 10, 2007 
 Page 2 
  

					
		
		  	 has the right to grant a security interest to Bank, that are in existence and have arisen in the ordinary course of Borrower’s
business and that comply with all of Borrower’s representations and warranties to Bank set forth in this Loan Agreement and the other Loan Documents; provided, the Bank may change the standards of eligibility by giving Borrower thirty (30)
days’ prior written notice. Unless otherwise agreed to by Bank, Eligible Accounts shall not include the following: (i) the portion of accounts outstanding more than ninety (90) days after billing date (e-rate accounts shall be allowed to age up
to one hundred twenty (120) days, (ii) all amounts due from any affiliate, (iii) bad or doubtful accounts, (iv) accounts subject to any security interest or other encumbrance ranking or capable of ranking in priority to the Bank’s security, (v)
amount of all holdback, contra account or rights of setoff on the part of any account debtor, (vi) accounts of non-U.S. debtors, or (vii) any accounts which the Bank has previously advised to be ineligible. Exceptions may be granted to the above
exclusions on a case by case basis.
  
 “Eligible Inventory” means
finished goods, as defined under the Code, which are owned and held for sale by Borrower in the ordinary course of Borrower’s business.
  

		
	 Collateral
	  	The Loan will be secured by valid, enforceable and perfected first priority liens and security interests in the following (“Collateral”): all of Borrower’s assets and
property, including (without limitation) all of Borrower’s real estate, furniture, fixtures, equipment, accounts and accounts receivable, documents, instruments, securities and deposit accounts, equipment and machinery, and intangibles. The
Loan will also be secured by valid, enforceable and perfected first priority liens and security interests in Borrower’s intellectual property, to the extent that such perfection and priority can be attained by the filing of financing statements
with the South Carolina Secretary of State.
		
	 Fees and Expenses
	  	No fee.

 2. Covenants. 
  

					
		
	 Financial Covenants
	  	All financial covenants shall remain in place and enforceable.
		
	 Operating Covenants
	  	Without prior written consent of the Bank, limitations on Borrower typically include, but are not limited to the following: Additional indebtedness (excluding approved acquisition
debt), liens and security interests, loans, leases and capital expenditures not contained in Borrower’s annual budget submitted to the Bank, excess compensation, reorganization, investments, repayment of subordinated debt, and acquisitions.

 3. Other Conditions. 
  

					
		
	 Reporting
	  	 “Monthly Financial Reporting” to be submitted no later than the 25th of each calendar month, and will include, for the prior month:
  
 1) Borrowing Base report;
 2) Accounts Receivable aging summary;
  
 “Quarterly Financial Reporting” to be submitted no later than the 45th day

 

 

 Computer Software Innovations, Inc. 
 September 10, 2007 
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		  	 after each quarter end (beginning with the quarter ended 9-30-07), and will include, for the corresponding quarter of the prior year:

  
 Company-prepared income statement, balance sheet, and cash flow statement;

 
 “Annual Financial Reporting” will include:
  
 1) Audit report for previous fiscal year, delivered within 120 days;
 2) Budget, delivered within 30 days of fiscal year end;
 3) Projections,
operating plans, or other financial information (generally prepared by Borrower in the ordinary course of business) as Bank may reasonably request from time to time.
  
  
  

		
	 Banking Relationship
	  	Borrower agrees to maintain its principal depository, operating accounts, and lockbox accounts with Bank. Borrower agrees to transfer such accounts held outside of the Bank to RBC
Centura Bank.
		
	 Additional Requirements
	  	Borrower shall satisfy all such other terms and conditions as Bank and its counsel deem necessary to ensure, including, but not limited to, the proper documentation of the Loan, the
perfection of the liens and security interests in the Collateral and compliance with all laws and regulations applicable to Bank or Borrower relative to this Loan.

 This commitment letter supercedes and replaces any prior discussions, term sheets or commitment letters relating
to the Loan. This commitment, when accepted, shall constitute the entire agreement between Borrower and Bank concerning the renewal and extension of the maturity of the Loan, and it may not be altered or amended unless agreed to in writing by Bank,
or otherwise modified by the Loan Documents. This commitment letter and the Loan Documents shall be applied and construed in harmony with each other to the end that Bank is ensured repayment of the Loan in accordance with their respective terms. To
the extent of an irreconcilable conflict between this commitment letter and the Loan Documents, the terms of the Loan Documents shall prevail. 
 Please
indicate your acceptance of this commitment and the terms and conditions contained herein by executing the acceptance below and returning the executed letter to Bank. RBC Centura Bank would like to express our appreciation for the opportunity you
have given us to be of service. We look forward to working with you in connection with the Loan. 
  

			
	 Sincerely,
  
 RBC CENTURA BANK

		
	By:	 	/s/ Charles H. Arndt
		 	 Charles H. Arndt
 Market Executive – Upstate SC

	
	 ACCEPTED AND AGREED TO:
  
 Borrower:
  
 Computer Software Innovations, Inc.

		
	By:	 	/s/ Nancy K. Hedrick

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