Document:

<PAGE>
                                                                    EXHIBIT 10.3

December 31, 2004

This memorandum confirms our understanding and agreement that with respect to
the Employment Agreement between the undersigned dated December 31, 2003. In its
preamble, Section 1 (definition of "Good Reason"), Section 2, and Section 3(a),
the Employment Agreement makes reference to "Vice Chairman" being one of Mr.
Knapp's titles and positions. We have mutually agreed that the Board of
Directors of Harris Interactive, Inc., in its discretion, may appoint Mr. Knapp
as Chairman instead of Vice Chairman and during such appointment Mr. Knapp will
serve in the capacity of Chairman rather than Vice Chairman. Mr. Knapp's other
titles, duties, and positions, shall remain unchanged and shall continue as set
forth in the Employment Agreement.

                                         HARRIS INTERACTIVE INC.

  /s/ Robert E. Knapp                    By:        /s/ George Bell
---------------------------                   --------------------------------
      ROBERT E. KNAPP                           Chairman
                                                Compensation Committee<PAGE>
                                                                    EXHIBIT 10.4

                              EMPLOYMENT AGREEMENT
                               Amendment Number 1

                  THIS EMPLOYMENT AGREEMENT AMENDMENT NUMBER 1 ("Amendment")
dated as of January 1, 2005, effective as of January 24, 2005 (the "Effective
Date") is made between Harris Interactive Inc., a Delaware corporation
("Company"), and Leonard R. Bayer ("Executive"). This Amendment amends the
Employment Agreement between the Company and the Executive dated as of July 1,
2003 (the "Agreement").

                  1.       Section 1.2(c) of the Agreement is hereby amended to
read in its entirety as follows:

                  Executive shall not be required to devote full time efforts to
                  the performance of Executive's duties hereunder, but will
                  devote approximately sixty percent of the time and efforts to
                  such duties as devoted by him prior to 2005. Executive will
                  perform his duties in a manner that will faithfully and
                  diligently further the business and interests of Company.

                  2.       Section 2.1 of the Agreement shall remain in full
force and effect, and Executive's letter to the Company dated December 21, 2004
giving notice of termination is withdrawn and shall have no force and effect.

                  3.       Section 3.1 of the Agreement is hereby amended to
read in its entirety as follows:

                  As compensation for Executive's services, Company shall pay to
                  Executive base compensation in the form of salary ("Base
                  Compensation") in the amount of $318,000 per annum. The salary
                  shall be payable in periodic installments in accordance with
                  Company's regular payroll practices for its executive
                  personnel at the time of payment, but in no event less
                  frequently than monthly. The Compensation Committee of the
                  Board shall review Base Compensation periodically for the
                  purpose of determining whether Base Compensation should be
                  adjusted; provided, however, that Executive's Base
                  Compensation shall not be less than the applicable amount set
                  forth in this Section 3.1.

                  4.       Executive acknowledges that his eligibility for
performance bonuses under Section 3.2 will be decreased by 14% effective January
24, 2005. Such adjustment is intended to be in proportion to the decrease of his
Base Compensation (without accounting for adjustments related to elimination of
his automobile allowance) effective January 24, 2005.

                  5.       Section 3.4 of the Agreement is deleted.

<PAGE>

                  6.       Section 4.4(b)(ii) of the Agreement is hereby amended
to read in its entirety as follows:

                  (ii)     any decrease in Executive's salary as it may have
                  increased during the Term, except for decreases that are in
                  conjunction with decreases in executive salaries by the
                  Company generally and that do not result in a decrease in
                  Executive's annual salary below $318,000 per annum;

                  7.       Section 5.4 of the Agreement is hereby amended to
read in its entirety as follows:

                           Consideration for Section 5 Covenants. As
                  consideration for Executive's agreement to be bound by the
                  obligations contained in this Section 5, Company shall pay
                  Executive the aggregate sum of Six Hundred Thousand Dollars
                  ($600,000.00), payable in installments of $25,000 each due on
                  the first day of each month, commencing on the first day of
                  the first calendar month after the first to occur of (i) the
                  Company's termination of Executive's employment pursuant to
                  Section 4.2 or 4.3 of this Agreement, (ii) the Executive's
                  termination of his employment other than for Good Reason,
                  (iii) the Employee's death, and (iv) the end of the Term (as
                  it may have been extended pursuant to Section 2.1 of this
                  Agreement).

                  8.       All other terms of the Agreement shall remain in full
force and effect.

                  IN WITNESS WHEREOF, this Agreement has been executed and
delivered as of the date first above written.

HARRIS INTERACTIVE INC.

By:      /s/ Robert E. Knapp

Title:   Chief Executive Officer

  /s/ Leonard R. Bayer
--------------------------
      LEONARD R. BAYER<PAGE>

                                                                    EXHIBIT 10.5

                              EMPLOYMENT AGREEMENT
                               Amendment Number 1

                  THIS EMPLOYMENT AGREEMENT AMENDMENT NUMBER 1 ("Amendment")
dated as of January 1, 2005, is made between Harris Interactive Inc., a Delaware
corporation ("Company"), and Gregory T. Novak ("Executive"). This Amendment
amends the Employment Agreement between the Company and the Executive dated as
of April 1, 2004 (the "Agreement").

                  1.       A new Section 4.9(c) is hereby added to the Agreement
to read as follows:

                  If all or any portion of the payments or other benefits paid
                  or payable to Executive under this Agreement and under any
                  other plan, program or agreement of the Company or its
                  affiliates, in each case, however, in connection with or after
                  a Change of Control, are determined to constitute an excess
                  parachute payment within the meaning of Section 280G of the
                  Internal Revenue Code of 1986, as amended, and as it may be
                  amended on or after the date of this Agreement (the "Code"),
                  and results in the imposition on Executive of an excise tax
                  under Section 4999 of the Code, then, in addition to any other
                  benefits to which Executive is entitled under this Agreement,
                  Harris shall pay to Executive an amount equal to the sum of
                  (i) the excise taxes payable by Executive by reason of
                  receiving excess payments; and (ii) a gross-up amount
                  necessary to offset any and all applicable federal, state, and
                  local excise, income, or other taxes incurred by Executive by
                  reason of Harris's payment of the excise tax described in (i)
                  above.

                  2.       All other terms of the Agreement shall remain in full
force and effect.

                  IN WITNESS WHEREOF, this Agreement has been executed and
delivered as of the date first above written.

HARRIS INTERACTIVE INC.

By:        /s/ Robert E. Knapp
         ------------------------
Title:   Chief Executive Officer

  /s/ Gregory T. Novak
--------------------------------
      GREGORY T. NOVAK<PAGE>

                                                                    EXHIBIT 10.1

           JOINDER AND THIRD AMENDMENT TO LOAN AND SECURITY AGREEMENT

      This Joinder and Third Amendment to Loan and Security Agreement (the
"THIRD AMENDMENT") is made as of this 29th day of December, 2004 by and among

            National City Business Credit, Inc. (f/k/a National City Commercial
      Finance, Inc.), an Ohio corporation with offices at 1965 E. Sixth Street,
      Cleveland, Ohio 44114, as administrative agent (in such capacity, herein
      the "ADMINISTRATIVE AGENT"), for the ratable benefit of the "REVOLVING
      CREDIT LENDERS", who are, at present, those financial institutions
      identified on the signature pages of this Third Amendment and who in the
      future are those Persons (if any) who become "Revolving Credit Lenders" in
      accordance with the provisions of the Loan Agreement (as defined below);

            National City Business Credit, Inc. (f/k/a National City Commercial
      Finance, Inc.), and Fleet Retail Group, Inc. (f/k/a Fleet Retail Finance
      Inc.), a Delaware corporation with offices at 40 Broad Street, Boston,
      Massachusetts 02109, as collateral agents (collectively, in such capacity,
      herein the "COLLATERAL AGENTS"), for the ratable benefit of the Revolving
      Credit Lenders;

            and

            National City Bank, as L/C Issuer (the "ISSUER");

            and

            The Revolving Credit Lenders;

            and

            Value City Department Stores LLC (in such capacity, the "LEAD
      BORROWER"), an Ohio limited liability company with its principal executive
      offices at 3241 Westerville Road, Columbus, Ohio 43224-3751, as agent for
      the following (individually, a "BORROWER" and collectively, the
      "BORROWERS"):

            Said Value City Department Stores LLC ("VCDS LLC"); and

            Shonac Corporation ("SHONAC"), an Ohio corporation with its
            principal executive offices at 4150 East Fifth Avenue, Columbus,
            Ohio 43219;

            DSW Shoe Warehouse, Inc. ("DSW"), a Missouri corporation with its
            principal executive offices at 4150 East Fifth Avenue, Columbus,
            Ohio 43219; and

            Gramex Retail Stores, Inc. ("GRAMEX"), a Delaware corporation with
            its principal executive offices at 3241 Westerville Road, Columbus,
            Ohio 43224; and

                                       1
<PAGE>

            Filene's Basement, Inc. ("FILENE'S"), a Delaware corporation with
            its principal executive offices at 3241 Westerville Road, Columbus,
            Ohio 43224-3751; and

            Value City of Michigan, Inc. ("VC MICHIGAN"), a Michigan corporation
            with its principal executive offices at 36901 Warren Road, Westland,
            Michigan 48185;

            GB Retailers, Inc. ("GBR"), a Delaware corporation with its
            principal executive offices at 3241 Westerville Road, Columbus, Ohio
            43224; and

            Retail Ventures Jewelry, Inc. ("JEWELRY"), an Ohio corporation with
            its principal executive offices at 3241 Westerville Road, Columbus,
            Ohio 43224;

in consideration of the mutual covenants contained herein and benefits to be
derived herefrom,

                                   WITNESSETH:

      A.    Reference is hereby made to that certain Loan and Security Agreement
            dated as of June 11, 2002 (as the same has been, and may hereafter
            be, amended, modified, supplemented or restated, the "LOAN
            AGREEMENT") among (i) Value City Department Stores, Inc., an Ohio
            corporation (the "EXISTING LEAD BORROWER"), (ii) the other Borrowers
            (other than the Lead Borrower), (iii) the Revolving Credit Lenders,
            (iv) the Administrative Agent, (v) the Collateral Agents, and (vi)
            the Issuer.

      B.    The Borrowers have advised the Agent that a corporate reorganization
            (the "2004 REORGANIZATION"), as more particularly described on the
            supplement to EXHIBIT 4.20 to the Loan Agreement attached hereto,
            has been approved by the directors of Retail Ventures, Inc., an Ohio
            corporation (the "PARENT") and the Existing Lead Borrower and has
            been implemented subject to the consent of the Revolving Credit
            Lenders.

      C.    The following actions, among others, have been taken pursuant to the
            2004 Reorganization:

                  1.    Westerville Road GP, Inc. and Westerville Road LP, Inc.,
                        each a Delaware corporation, have merged into Value City
                        Department Stores, Inc., with Value City Department
                        Stores, Inc. being the surviving entity.

                  2.    Value City Limited Partnership, an Ohio limited
                        partnership, has merged into Value City Department
                        Stores, Inc., with Value City Department Stores, Inc.
                        being the surviving entity. Therefore, Value City
                        Limited

                                       2
<PAGE>

                        Partnership is no longer a Borrower party to the Loan
                        Agreement.

                  3.    The Parent has formed a new wholly-owned subsidiary in
                        Ohio named "Value City Department Stores LLC". The
                        Existing Lead Borrower has merged into Value City
                        Department Stores LLC, with Value City Department Stores
                        LLC being the surviving entity.

                  4.    Value City Department Stores LLC has transferred all of
                        the issued and outstanding shares of each class of
                        capital stock of Shonac and Filene's to the Parent.

      C.    The Borrowers have requested that the Revolving Credit Lenders
            consent to the 2004 Reorganization and modify and amend certain
            provisions of the Loan Agreement.

      D.    The Revolving Credit Lenders have agreed to consent to the 2004
            Reorganization, and to modify and amend certain provisions of the
            Loan Agreement as provided herein, provided that, among other
            things, the Borrowers execute and deliver this Third Amendment.

      Accordingly, the parties hereto agree as follows:

1.    Definitions. Capitalized terms used herein and not otherwise defined
      herein shall have the meanings assigned to such terms in the Loan
      Agreement.

2.    Joinder and Assumption of Liabilities by VCDS LLC. Effective as of the
      date of this Third Amendment, VCDS LLC hereby acknowledges that it has
      received and reviewed a copy of the Loan Agreement, and acknowledges and
      agrees to:

      a.    join in the execution of, and become a party to, the Loan Agreement
            as the Lead Borrower and as a Borrower, as indicated with its
            signature below;

      b.    be bound by all representations, warranties, covenants, agreements,
            liabilities and acknowledgments of the Lead Borrower and the
            Borrowers in the Loan Agreement, with the same force and effect as
            if VCDS LLC was a signatory to the Loan Agreement and was expressly
            named as the Lead Borrower and as a Borrower therein; and

      c.    assume and perform all duties and Liabilities of the Existing Lead
            Borrower and the Borrowers under the Loan Agreement.

3.    Grant of Security Interest by VCDS LLC. To secure the prompt, punctual,
      and faithful performance of all and each of the Liabilities, VCDS LLC
      hereby grants to the Collateral Agents, for the ratable benefit of the
      Secured Parties, a continuing security interest in and to, and assigns to
      the Collateral Agents, for the ratable benefit of the Secured Parties, all
      right, title and interest of VCDS LLC in

                                       3
<PAGE>

      and to the Collateral, and each item thereof, whether now owned or now
      due, or in which VCDS LLC has an interest, or hereafter acquired, arising,
      or to become due, or in which VCDS LLC obtains an interest, and all
      products, Proceeds, substitutions, and accessions of or to any of the
      following, but excluding the Excluded Property.

4.    Amendments to Loan Agreement.

      a.    General.

            i.    VCDS LLC shall be the Lead Borrower and a Borrower under the
                  Loan Agreement and, in furtherance thereof, (i) all references
                  in the Loan Agreement to the "Lead Borrower" shall hereafter
                  be deemed to refer to VCDS LLC, (ii) all references in the
                  Loan Agreement to the "Borrowers" shall hereafter be deemed to
                  include VCDS LLC, and (iii) all references in the Loan
                  Agreement to "Value City" shall hereafter be deemed to refer
                  to VCDS LLC.

            ii.   All references in the Loan Agreement to the "Reorganization"
                  shall hereafter be deemed to include the 2004 Reorganization.

      b.    Amendments to Article 1 of Loan Agreement. The provisions of Article
            1 of the Loan Agreement are hereby revised as follows:

            i.    The definition of "CCM Term Loan Facilities" is hereby deleted
                  in its entirety and the following substituted in its stead:

                  "CCM TERM LOAN FACILITIES": The term loan facilities entered
                  into amongst the Borrowers and CCM, as agent, pursuant to a
                  Financing Agreement dated June 11, 2002, in the aggregate
                  principal amount of $100,000,000.00, as most recently amended
                  on December 29, 2004.

            ii.   The definition of "Senior Convertible Facility" is hereby
                  deleted in its entirety and the following substituted in its
                  stead:

                  "SENIOR CONVERTIBLE FACILITY": The credit facility set forth
                  in the Senior Subordinated Convertible Loan Agreement dated as
                  of March 15, 2000, amended from time to time prior to the
                  Closing Date and as amended and restated June 11, 2002, in the
                  present principal amount of $75,000,000.00, and as most
                  recently amended on December 29, 2004.

            iii.  The definition of "Value City Entities" is hereby deleted in
                  its entirety and the following substituted in its stead:

                  ""VALUE CITY ENTITIES": VCDS LLC, Gramex, VC Michigan, GBR and
                  Jewelry."

                                       4
<PAGE>

            iv.   The definition of "VCLP" is hereby deleted in its entirety.

            v.    The following definitions are hereby added to Article 1 in
                  appropriate alphabetical order:

                  "VCDS LLC": Value City Department Stores LLC, an Ohio limited
                  liability company.

            vi.   The fifth sentence in Section 4.10 is hereby amended by the
                  addition thereto of the phrase "except where such default or
                  violation is not reasonably likely to have a Material Adverse
                  Change" after the word "Reorganization."

      c.    Amendments to Exhibits to Loan Agreement. The Exhibits to the Loan
            Agreement are revised as follows:

            i.    Exhibit 1.3 [Intercompany Notes] is hereby amended and
                  restated in its entirety in the form of Exhibit 1.3 attached
                  hereto and incorporated by reference herein.

            ii.   Exhibit 4.2 [Corporate Information] is hereby amended and
                  restated in its entirety in the form of Exhibit 4.2 attached
                  hereto and incorporated by reference herein.

            iii.  Exhibit 4.20 [Reorganization] is hereby supplemented as set
                  forth on Exhibit 4.20 attached hereto and incorporated by
                  reference herein.

5.    Representations and Warranties. Each of the Borrowers hereby represents
      and warrants to the Agent and the Revolving Credit Lenders as follows:

      a.    2004 Reorganization. The 2004 Reorganization has been or will be
            consummated in accordance with Applicable Law.

      b.    Representations and Warranties in Loan Agreement. The Borrowers
            (including VCDS LLC) hereby restate all representations, warranties,
            and covenants set forth in the Loan Agreement as of the date hereof.
            To the extent that any changes in any representations, warranties,
            and covenants require any amendments to the Exhibits to the Loan
            Agreement, such Exhibits are amended and restated, as evidenced by
            any replacement Exhibits annexed to this Third Amendment.

6.    Conditions Precedent to Effectiveness. This Third Amendment shall not be
      effective until each of the following conditions precedent have been
      fulfilled to the satisfaction of the Administrative Agent:

      a.    This Third Amendment shall have been duly executed and delivered by
            the Majority Lenders and the other parties hereto, and shall be in
            full force

                                       5
<PAGE>

            and effect and shall be in form and substance satisfactory to the
            Administrative Agent and the Majority Lenders.

      b.    All action on the part of the Borrowers necessary for the valid
            execution, delivery and performance by the Borrowers of this Third
            Amendment and all other documentation, instruments, and agreements
            to be executed in connection herewith shall have been duly and
            effectively taken and evidence thereof satisfactory to the
            Administrative Agent shall have been provided to the Administrative
            Agent.

      c.    The Lead Borrower and each other Loan Party (to the extent requested
            by the Administrative Agent) shall each have delivered the following
            to the Administrative Agent, in form and substance satisfactory to
            the Administrative Agent:

            i.    Certificate of Legal Existence and Good Standing issued by the
                  Secretary of the State of the Lead Borrower's and the Parent's
                  organization or incorporation.

            ii.   Certificate of the Lead Borrower's and the Parent's Secretary
                  of the due adoption, continued effectiveness, and setting
                  forth the text of each corporate resolution adopted in
                  connection with the loan arrangement, as modified by the Third
                  Amendment, and the 2004 Reorganization and attesting to the
                  true signatures of each Person authorized as a signatory to
                  any of the Loan Documents.

            iii.  Execution and delivery by the Lead Borrower and each other
                  Loan Party (to the extent requested by the Administrative
                  Agent) of the following Loan Documents:

                  a)    Joinder, Confirmation and Amendment to Ancillary Loan
                        Documents;

                  b)    Joinder to Copyright and Copyright Applications Security
                        Agreement; and

                  c)    Such other documents and agreements as the Agent may
                        reasonably require.

            iv.   Execution and delivery by the Borrowers of the following Loan
                  Documents:

                  a)    Endorsement to Amended and Restated Swingline Note; and

                  b)    Endorsements to Amended and Restated Revolving Credit
                        Notes.

                                       6
<PAGE>

            v.    Opinion of counsel to the Loan Parties.

      d.    Execution and delivery of all documents, instruments and agreements
            in connection with the Term Loans, including, without limitation, a
            Second Amendment to Intercreditor and Lien Subordination Agreement,
            as may be deemed necessary by the Administrative Agent in connection
            with the matters contemplated by this Third Amendment.

      e.    The 2004 Reorganization shall be finalized to the satisfaction of
            the Administrative Agent.

      f.    All fees due under the Loan Agreement, and all costs and expenses
            incurred by the Agent in connection with the preparation and
            negotiation of this Third Amendment and related documents (including
            the fees and expenses of counsel to the Agent), shall have been paid
            in full.

      g.    No Default or Event of Default shall be then occurring.

      h.    The Loan Parties shall have executed and delivered to the
            Administrative Agent such other documents, instruments, and
            agreements as may be required by the Administrative Agent.

7.    Consent to 2004 Reorganization. Upon the determination of the
      Administrative Agent that all conditions precedent to the effectiveness of
      this Third Amendment have been satisfied, consent to the 2004
      Reorganization shall be deemed to have been given by the Revolving Credit
      Lenders, provided however, that nothing contained herein shall be deemed a
      consent to any transactions regarding the public issuance of stock
      described in Paragraphs 11, 12, and 13 of the amendment to EXHIBIT 4.20 to
      the extent that the consummation of any such transactions described
      therein would constitute or result in the occurrence of an Event of
      Default.

8.    Miscellaneous.

      a.    This Third Amendment may be executed in several counterparts and by
            each party on a separate counterpart, each of which, when so
            executed and delivered, shall be an original, and all of which
            together shall constitute one instrument.

      b.    This Third Amendment expresses the entire understanding of the
            parties with respect to the transactions contemplated hereby. No
            prior negotiations or discussions shall limit, modify, or otherwise
            affect the provisions hereof.

      c.    Any determination that any provision of this Third Amendment or any
            application hereof is invalid, illegal or unenforceable in any
            respect and in any instance shall not effect the validity, legality,
            or enforceability of such

                                       7
<PAGE>

            provision in any other instance, or the validity, legality or
            enforceability of any other provisions of this Third Amendment.

      d.    The Loan Parties shall pay on demand all costs and expenses of the
            Agent, including, without limitation, reasonable attorneys' fees in
            connection with the preparation, negotiation, execution and delivery
            of this Third Amendment.

                            [SIGNATURE PAGES FOLLOW]

                                       8
<PAGE>

      IN WITNESS WHEREOF, the parties have duly executed this Third Amendment as
of the day and year first above written.

BORROWERS:                                  VALUE CITY DEPARTMENT STORES LLC

                                            By:________________________________
                                            Name: James A. McGrady
                                            Title: Vice President

                                            SHONAC CORPORATION

                                            By:________________________________
                                            Name: James A. McGrady
                                            Title: Chief Financial Officer

                                            DSW SHOE WAREHOUSE, INC.

                                            By:________________________________
                                            Name: James A. McGrady
                                            Title: Chief Financial Officer

                                            GRAMEX RETAIL STORES, INC.

                                            By:________________________________
                                            Name: James A. McGrady
                                            Title: Chief Financial Officer

                                            FILENE'S BASEMENT, INC.

                                            By:________________________________
                                            Name: James A. McGrady
                                            Title: Chief Financial Officer

                                       9
<PAGE>

                                            VALUE CITY OF MICHIGAN, INC.

                                            By:________________________________
                                            Name: James A. McGrady
                                            Title: Chief Financial Officer

                                            GB RETAILERS, INC.

                                            By:________________________________
                                            Name: James A. McGrady
                                            Title: Chief Financial Officer

                                            RETAIL VENTURES JEWELRY,  INC.

                                            By:________________________________
                                            Name: James A. McGrady
                                            Title: Chief Financial Officer

                                            NATIONAL CITY BUSINESS CREDIT, INC.
                                            (f/k/a National City Commercial
                                            Finance, Inc.) (ADMINISTRATIVE
                                            AGENT, COLLATERAL AGENT AND
                                            REVOLVING CREDIT LENDER)

                                            By:________________________________
                                            Name: _____________________________
                                            Title: ____________________________

                                            NATIONAL CITY BANK
                                            (ISSUER)

                                            By:________________________________
                                            Name: _____________________________
                                            Title: ____________________________

                                       10
<PAGE>

                                            FLEET RETAIL GROUP, INC. (f/k/a
                                            Fleet Retail Finance Inc.)
                                            (COLLATERAL AGENT AND REVOLVING
                                            CREDIT LENDER)

                                            By:________________________________
                                            Name: _____________________________
                                            Title: ____________________________

                                            WELLS FARGO RETAIL FINANCE II, LLC

                                            By:________________________________
                                            Name:______________________________
                                            Title:_____________________________

                                            THE CIT GROUP/BUSINESS CREDIT,
                                            INC.

                                            By:________________________________
                                            Name:______________________________
                                            Title:_____________________________

                                            AMSOUTH BANK

                                            By:________________________________
                                            Name:______________________________
                                            Title:_____________________________

                                       11
<PAGE>

                                            GENERAL ELECTRIC CAPITAL
                                            CORPORATION

                                            By:________________________________
                                            Name:______________________________
                                            Title:_____________________________

                                            HSBC BUSINESS CREDIT (USA), INC.

                                            By:________________________________
                                            Name:______________________________
                                            Title:_____________________________

                                            WEBSTER BUSINESS CREDIT
                                            CORPORATION

                                            By:________________________________
                                            Name:______________________________
                                            Title:_____________________________

                                            LASALLE BANK NATIONAL
                                            ASSOCIATION

                                            By:________________________________
                                            Name:______________________________
                                            Title:_____________________________

                                       12
<PAGE>

                                            PNC BANK, National
                                            Association

                                            By:________________________________
                                            Name:______________________________
                                            Title:_____________________________

                                            SIEMENS FINANCIAL SERVICES, INC.

                                            By:________________________________
                                            Name:______________________________
                                            Title:_____________________________

                                       13

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