Document:

<PDF>
begin 644 vsx10b.pdf
M)5!$1BTQ+C(-)>+CS],-"C(T(#`@;V)J#3P\(`TO3&EN96%R:7IE9"`Q(`TO
M3R`R-B`-+T@@6R`X,C0@,3DV(%T@#2],(#(V.#DW(`TO12`W-3(S(`TO3B`U
M(`TO5"`R-C(Y.2`-/CX@#65N9&]B:@T@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("!X<F5F#3(T
M(#$W(`TP,#`P,#`P,#$V(#`P,#`P(&X-"C`P,#`P,#`V.#<@,#`P,#`@;@T*
M,#`P,#`P,3`R,"`P,#`P,"!N#0HP,#`P,#`Q,3<T(#`P,#`P(&X-"C`P,#`P
M,#$S-#4@,#`P,#`@;@T*,#`P,#`P,3@S,2`P,#`P,"!N#0HP,#`P,#`R,#(U
M(#`P,#`P(&X-"C`P,#`P,#(R,#0@,#`P,#`@;@T*,#`P,#`P,C8W,"`P,#`P
M,"!N#0HP,#`P,#`R.#4W(#`P,#`P(&X-"C`P,#`P,#,P,S<@,#`P,#`@;@T*
M,#`P,#`P,S4Y-B`P,#`P,"!N#0HP,#`P,#`V.3,P(#`P,#`P(&X-"C`P,#`P
M,#<Q,#@@,#`P,#`@;@T*,#`P,#`P-S(Y-"`P,#`P,"!N#0HP,#`P,#`P.#(T
M(#`P,#`P(&X-"C`P,#`P,#$P,#`@,#`P,#`@;@T*=')A:6QE<@T\/`TO4VEZ
M92`T,0TO26YF;R`R,B`P(%(@#2]2;V]T(#(U(#`@4B`-+U!R978@,C8R.#D@
M#2])1%L\8C@S9#@W96,U9#`T,3@Q869D-#`P,S5C,C-B,C`P-V(^/&(X,V0X
M-V5C-60P-#$X,6%F9#0P,#,U8S(S8C(P,#=B/ET-/CX-<W1A<G1X<F5F#3`-
M)25%3T8-("`@("`-,C4@,"!O8FH-/#P@#2]4>7!E("]#871A;&]G(`TO4&%G
M97,@,C,@,"!2(`TO3W5T;&EN97,@,3,@,"!2(`TO3W!E;D%C=&EO;B!;(#(V
M(#`@4B`O6%E:(&YU;&P@;G5L;"!N=6QL(%T@#2]086=E36]D92`O57-E3F]N
M92`-/CX@#65N9&]B:@TS.2`P(&]B:@T\/"`O4R`U-2`O3R`Q,#$@+T9I;'1E
M<B`O1FQA=&5$96-O9&4@+TQE;F=T:"`T,"`P(%(@/CX@#7-T<F5A;0T*2(EB
M8&!@!B(+!A8&!JX*!AX&!`"Q@:(,'`L8&)[VE#:(Q2)H*!``8EXH9F#P8^!A
M.1`KV5#"%MC"=B%-3F8'FT,.5"501<)N(,T)-%,<(,``_8(.]`UE;F1S=')E
M86T-96YD;V)J#30P(#`@;V)J#3@U(`UE;F1O8FH-,C8@,"!O8FH-/#P@#2]4
M>7!E("]086=E(`TO4&%R96YT(#(S(#`@4B`-+U)E<V]U<F-E<R`R-R`P(%(@
M#2]#;VYT96YT<R`S-2`P(%(@#2]-961I84)O>"!;(#`@,"`V,3(@-SDR(%T@
M#2]#<F]P0F]X(%L@,"`P(#8Q,B`W.3(@72`-+U)O=&%T92`P(`T^/B`-96YD
M;V)J#3(W(#`@;V)J#3P\(`TO4')O8U-E="!;("]01$8@+U1E>'0@72`-+T9O
M;G0@/#P@+U14,B`S,2`P(%(@+U14-"`R."`P(%(@+U14-B`S-"`P(%(@+U14
M."`S-B`P(%(@/CX@#2]%>'1'4W1A=&4@/#P@+T=3,2`S."`P(%(@/CX@#2]#
M;VQO<E-P86-E(#P\("]#<S4@,S,@,"!2(#X^(`T^/B`-96YD;V)J#3(X(#`@
M;V)J#3P\(`TO5'EP92`O1F]N="`-+U-U8G1Y<&4@+U1R=654>7!E(`TO1FER
M<W1#:&%R(#,R(`TO3&%S=$-H87(@,3(Q(`TO5VED=&AS(%L@,C4P(#`@,"`P
M(#`@,"`P(#`@,"`P(#`@,"`R-3`@,S,S(#(U,"`P(#4P,"`U,#`@-3`P(#4P
M,"`U,#`@-3`P(#4P,"`--3`P(#4P,"`U,#`@,S,S(#`@,"`P(#`@,"`P(#<R
M,B`V-C<@-S(R(#<R,B`V-C<@-C$Q(#<W."`W-S@@,S@Y(`TP(#`@-C8W(#DT
M-"`W,C(@-S<X(#8Q,2`P(#<R,B`U-38@-C8W(#<R,B`W,C(@,3`P,"`W,C(@
M-S(R(#`@,"`P(`TP(#`@,"`P(#4P,"`U-38@-#0T(#4U-B`T-#0@,S,S(#4P
M,"`U-38@,C<X(#,S,R`P(#(W."`X,S,@-34V(#4P,"`--34V(#`@-#0T(#,X
M.2`S,S,@-34V(#4P,"`W,C(@,"`U,#`@72`-+T5N8V]D:6YG("]7:6Y!;G-I
M16YC;V1I;F<@#2]"87-E1F]N="`O5&EM97-.97=2;VUA;BQ";VQD(`TO1F]N
M=$1E<V-R:7!T;W(@,CD@,"!2(`T^/B`-96YD;V)J#3(Y(#`@;V)J#3P\(`TO
M5'EP92`O1F]N=$1E<V-R:7!T;W(@#2]!<V-E;G0@.#DQ(`TO0V%P2&5I9VAT
M(#`@#2]$97-C96YT("TR,38@#2]&;&%G<R`S-"`-+T9O;G1"0F]X(%L@+34U
M."`M,S`W(#(P,S0@,3`R-B!=(`TO1F]N=$YA;64@+U1I;65S3F5W4F]M86XL
M0F]L9"`-+TET86QI8T%N9VQE(#`@#2]3=&5M5B`Q,S,@#3X^(`UE;F1O8FH-
M,S`@,"!O8FH-/#P@#2]4>7!E("]&;VYT1&5S8W)I<'1O<B`-+T%S8V5N="`Y
M,#4@#2]#87!(96EG:'0@,"`-+T1E<V-E;G0@+3(Q,2`-+T9L86=S(#,R(`TO
M1F]N=$)";W@@6R`M-C8U("TS,C4@,C`R."`Q,#,W(%T@#2]&;VYT3F%M92`O
M07)I86P@#2])=&%L:6-!;F=L92`P(`TO4W1E;58@,"`-/CX@#65N9&]B:@TS
M,2`P(&]B:@T\/"`-+U1Y<&4@+T9O;G0@#2]3=6)T>7!E("]4<G5E5'EP92`-
M+T9I<G-T0VAA<B`S,B`-+TQA<W1#:&%R(#$U,"`-+U=I9'1H<R!;(#(W."`P
M(#`@,"`P(#`@,"`P(#`@,"`P(#`@,C<X(#`@,C<X(#`@,"`U-38@-34V(#4U
M-B`U-38@-34V(#`@,"`P(`TP(#`@,"`P(#`@,"`P(#`@,"`P(#<R,B`P(#8V
M-R`P(#<W."`P(#(W."`P(#`@,"`P(#`@,"`P(#`@,"`V-C<@#3`@,"`V-C<@
M,"`P(#`@,"`P(#`@,"`P(#`@,"`U-38@,"`U,#`@-34V(#4U-B`P(#`@,"`R
M,C(@,"`P(#`@,"`--34V(#4U-B`P(#`@,S,S(#4P,"`R-S@@,"`U,#`@,"`P
M(#4P,"`P(#`@,"`P(#`@,"`P(#`@,"`P(#`@,"`P(`TP(#`@,"`P(#`@,"`P
M(#`@,"`P(#`@,"`P(#`@,"`U-38@72`-+T5N8V]D:6YG("]7:6Y!;G-I16YC
M;V1I;F<@#2]"87-E1F]N="`O07)I86P@#2]&;VYT1&5S8W)I<'1O<B`S,"`P
M(%(@#3X^(`UE;F1O8FH-,S(@,"!O8FH-/#P@#2]4>7!E("]&;VYT1&5S8W)I
M<'1O<B`-+T%S8V5N="`X.3$@#2]#87!(96EG:'0@,"`-+T1E<V-E;G0@+3(Q
M-B`-+T9L86=S(#,T(`TO1F]N=$)";W@@6R`M-38X("TS,#<@,C`R."`Q,#`W
M(%T@#2]&;VYT3F%M92`O5&EM97-.97=2;VUA;B`-+TET86QI8T%N9VQE(#`@
M#2]3=&5M5B`P(`T^/B`-96YD;V)J#3,S(#`@;V)J#5L@#2]#86Q21T(@/#P@
M+U=H:71E4&]I;G0@6R`P+CDU,#4@,2`Q+C`X.2!=("]'86UM82!;(#(N,C(R
M,C$@,BXR,C(R,2`R+C(R,C(Q(%T@#2]-871R:7@@6R`P+C0Q,C0@,"XR,3(V
M(#`N,#$Y,R`P+C,U-S8@,"XW,34Q.2`P+C$Q.3(@,"XQ.#`U(#`N,#<R,B`P
M+CDU,#4@72`^/B`-#5T-96YD;V)J#3,T(#`@;V)J#3P\(`TO5'EP92`O1F]N
M="`-+U-U8G1Y<&4@+U1R=654>7!E(`TO1FER<W1#:&%R(#,R(`TO3&%S=$-H
M87(@,30X(`TO5VED=&AS(%L@,C4P(#`@-#`X(#`@-3`P(#@S,R`P(#`@,S,S
M(#,S,R`P(#`@,C4P(#,S,R`R-3`@,C<X(#4P,"`U,#`@-3`P(#4P,"`--3`P
M(#4P,"`U,#`@,"`U,#`@-3`P(#(W."`R-S@@,"`P(#`@,"`P(#<R,B`V-C<@
M-C8W(#<R,B`V,3$@-34V(`TW,C(@-S(R(#,S,R`S.#D@,"`V,3$@.#@Y(#<R
M,B`W,C(@-34V(#`@-C8W(#4U-B`V,3$@,"`W,C(@.30T(#`@#3`@,"`P(#`@
M,"`P(#4P,"`P(#0T-"`U,#`@-#0T(#4P,"`T-#0@,S,S(#4P,"`U,#`@,C<X
M(#(W."`U,#`@,C<X(`TW-S@@-3`P(#4P,"`U,#`@-3`P(#,S,R`S.#D@,C<X
M(#4P,"`U,#`@-S(R(#4P,"`U,#`@-#0T(#`@,"`P(#`@#3`@,"`P(#`@,"`P
M(#`@,"`P(#`@,"`P(#`@,"`P(#`@,"`P(#`@,S,S(#0T-"`T-#0@72`-+T5N
M8V]D:6YG("]7:6Y!;G-I16YC;V1I;F<@#2]"87-E1F]N="`O5&EM97-.97=2
M;VUA;B`-+T9O;G1$97-C<FEP=&]R(#,R(#`@4B`-/CX@#65N9&]B:@TS-2`P
M(&]B:@T\/"`O3&5N9W1H(#,R-3D@+T9I;'1E<B`O1FQA=&5$96-O9&4@/CX@
M#7-T<F5A;0T*2(F,5]MNVT@2?==7-`9Y(!<2P^:=FR>/K7@]\-B!K<U@$>\#
M3;8L9AE20U+V9#YC,MCOW;HU)<7V8F#`ZDNQNKKJU*GJ'U>SMZM5H+1:K6>Y
MER?*AS\:I($*,T_'>:I67V9O3X=8E0-M^VHH9V_/;[5Z&&8+W_/](%:K<H8C
MG:G5T^R3<VMZ=Y%XF?/H+C(O=NJ2?XTZ=1<Z]D*G:T<1*5Q0DC@B,<(^+"KX
M"9S_JN7IN;M(IX6BK?`7Q-5'&/A>X!C^7)15/*L'=Q&BV%<W2.%G8.5S^"9$
M91>M'.>YBR"-4NVECG;_O?IIMES-4M^+$Q5E7I2I""99IGQT26]FZ]F/Y+*(
M70:6B,]X%.C,2Q.5)($7I'F,GO.M:_*077/]87ESLL+3<^?B^NI6G9S?+'FZ
M_%D&5W@+[:RL159OG'L)')U&7@`_7C"9]+TA&FX-=TC"O2$4*5];<W"$YER>
MK)8W[B+W(N?D4IW)\.+R\N+J',>AHV[!JMRY^7AQ2@-UNSIAJ:NS$Y$_PUOP
M<$FW^.X.H:?#+%<06AUE</(9G+P\.U\B'.AH%`Z<#Q=6]:4ZO[GF\_\I>ZK@
MK;92']FBLXM;]%?F_(M%;N?JXNK4HQ,A2(D$27M^Q+ZA$2`[3@$%$;K@"\-6
MO!+X*7MEA:!+G8T+G^2`)G6]-:[&^P#.P,,`6IJ-=<<B[:!.'GC8&_/%U9EC
MVE'=.6X*2S\`&L',%R1^<%/GSE4UB&E$*3C(4975;BJ%(\B10<E!:SY?UG^B
MK-BYVFEYF[(!`*Z3N0I\7O/#N;K_RF,%&:3NCV3')[F:S%O1#0D6[U=[ND@%
M)]6#Z!)SYXHR$=`,=\+O0:;TIM6"PN%S['6(L2>7!^QS[:<Q^_RT:-`-H;/N
M>M`1@.JZ(%MRI^QZ%]C(V78]^28$GD#1NFO1Q[CUC=?!ZLC>#5BA$D5H<\`N
M1GU_WKGTT9S\L70U9!1>#OX_L*`H4*?%EJT:BX9^U7G?[;9S,:P``3[X)>/!
M["U/#NP&*`!!D3!8+UZ:+D&G`NN!A9[=M+_+:C)N[],X"":?IH+C+`ZM3[<U
M>DI85CN-.G<U'DTX#ARXBMSDSOG&Q\I\,.8_+E'MH%@%(!!R0IGV@==%I<P,
MSQ0%('(,@X@#D-@`)!R`"!P/:,F!@%M26GH0QF]_[=.]B6.GMKQ%MP%_/LHG
ME5&=;!E$#AC+=ZBM\>Q3R,'?MB(A`H,A4+R"VD@\##6#/=R0XIBO'SD<YAC\
M3-:+GV.*-ZQB\".GH4G-$S8(<#68_I&'4"U)B1GF^YM"</X89%JW=GUC9/1S
MUQX=V!EU+K8,ZGUMQ"P^L]KK@>_P^N`[,Z7L9;<30UA\8'Z06=&*WB/L"K(C
M!RWB]6\'-M$)$&J(KMU^CUDW:36-..Q/=N2=.Z<0K/[&Y8I:C(4=HN>?-G6Y
M0;<`>R8,#XV!/72.F^/*MB?RC)S2#`,L!8[JUC:!RU]WO%DC^D(BNFG2/O">
M9^$`.9.'\00'/5FEI9[^\H_ES?($*A$9-H`U<"U'C1O\,6Q*@(:`'1F$YCM#
M`O9'BBZS0T((JK"Q;BB:T`T-=F6-_.@H=CA#($,(@(^Q\(@B^:SA6:76;C;)
M8D'"]*U'"[)RU^_W#2D>5??4BI9^.#C[&1U]`FXS2I36#2(^(+9>[^_U2"[!
M<`.K;'9M1;:;:@H?P=`9D*)I#P&D'=8EERC0Q@'(XPT*Z'GL^W,?ASX&Y<Y]
M=Q"X+$BFP.WAI&,;.$!1Z$`S%&,7<T(SB"/`J<288:KRSV<`&B)W)_,2&2"A
MVSW15S7-Q\VS))48,[Y"D!S8E_7(GX`&.8K*?.0H5@W@H>:9`P]D)M\!RX$_
M26[#WQG!`%(1JV`48'V3,T5'P[,*D4I7/B?;U2":J-PE2&3V@_I1SNB!(%^N
M0,$^(0))B+JMP<0`Z2&`@/&D<*ED(GV',OF*PR]8%#2U3I`8"*'-#M?;JC>8
MB5BDL0!2V1;XL<;U2`K($4`UNZ%@><1.ATM-`UC!IL5WIHKW1L<^[LU]@@L.
MH;B,W8$FHTJRH+<&@&FV0/)"T\B@5_3A6EXP]ON&[#,<L^RH=A]6EGR/R)P]
MAW>D0^`(0#FX70[>%+QH$Q63``LFU4DXN5#;'2^5&SX6RB`G8XYY:>6:KH"$
M['C6"X;@('7/!Q0M+Y1&B1#!$MP_)7>.J,*&%"UL:A%K)UW0ZJ(JF]ZT4E%]
M91/69*;HX,G(DZ^O]#C/,Q>)0A*BD'`C3!L&,#DG8H[0O#,/8Q]#SC/B"<XB
M+"GLKHTB+Q\D"FM3]T;)6;O[CE57M60<-40AM>V<MQWE[3,:Z"6CH#VLA`ZX
M"XBH,!6*DYHYH9?C1L46V"QNO^\%UH7D)Y_:[ZGD_S3@"SM$1T+)>D>9->RX
MSX3ZBG5J:J>Y`VZXA37<T/:<UPJ09EE.NE2(_9[+C]M?Q>W[ACIN([VY>JJ/
M#E!MQV+PS/V517;T0<V/`:/L\V!;B`K"9&#Y8\MR=5ORX37KW=J.777]Y$3^
M?K27,GQO:^ZZ[T0UU?6N/>Q-@KTG@\!"4F`"KBN1D$-0CM0%"AIJA@CRR3Z,
MZ\F68IS*/'$85@EZ#=KTKW]C?8#HA$=`6L2<4"+;<3,`?G)^JFHI[=3SH%&5
MJ!PII?%;HBN(7TUFM60CC\=:A"W1K"F)0W+I`P_>O=(8[;'U0EN$4"GX0=D7
MW&*!G_:$+F_90MZCI;2?5A)P`K7UMN-94_!V7U*(7GV.0IX4[0%"\5OYZ9EQ
MC$P+<$Y!NKH=`ZFU)AD^:S0R0.5$A-+C:.P"7B&NY_FVYHJZ?VQ:EM3/VR!\
MN]I&"-^3E`A'Z5(PVI'H:/!&Y]0.\0>VP@4,%R9)S20));AGO,.WQZE6<`8*
M/\%EX27RAH=)S&53]*NMS1WU9([S>,UIR+-6LJ\M33698U\YKU#5<\X'_QC;
MCC#K-D)WVX->R/+H2WW/,45;"B^;735U4LL/R]O7`![P0S#T0T'XU?4O<[5R
M%_BT@U82&LGE^^N;Y=R^1Z",=BU[N:Z.N=-R8RU!:>VK(*,W#&VJOI80,&ER
M7`:\>[['?'?/GK>R-GSV9"N'2*I;WA3P":?R9!#U5M[RHW6/IG3E/4%G6QE6
M8=<Y#!#WX2]W/-ATI\[#U#I(BP%T/E?W'23]EAJ3?L1'!#460"1[<9O=^Y<)
M=26<W=T3*9=VZ.]DT]O5*E(0OS5:!Z_0))T"?$!AEL.TYZM+(`=Z0?9%H\YZ
M&N+SDQXD$>AO:%+S!++F^?.#@(,:0:%V5Y_1BHRM@,#&RD<I\"+OB'V!YVL_
MYSVT*4M1S2?G0P_GY8AB?.E^=B/J,'6*<*.=T5XT845PS2`!36A1JM,I&`GC
MV4\CR;"/>(68LP:>HQ5V(RD#+G:HW,9V)H4[Y=R"2@.OW$>6J"O^-8HEB-,#
MJ;,I>I&65878`7&K)Z6G`FECZHF)>J30P^1W5@"-Z`#'D_RX89C&5*3_&)0<
M`N42^Z;!9AD)3UJ!K!IUSQ.Q;C`3[EF6%%#]A-<56]I-,O2Z"JVUAFVO7BH"
M.@U">1151DP5<];\`UDU74:)A402D*8%WV8T;(`:_M=W%>TT",70=[^"^#02
M71@PF(\ST6>C_@`"$1(<RV0S\S/4#[;M.85%C6_;O;V]Y9[V]'3+[RL1-1W!
M&CHVY^*`V/SMI$#D+2DR>EHZ,J=/K_.H:GE>-+('C`9&5#83&:PK!QSN-M7>
MBC@;#W^NS^?^&WP)2M,195O@VQ@OWX2@6,RD%MMH'-<_Z25./:.3W-DE%S\F
M7!*RRY42_331-45G][O@:6GBEJ%21]4*!W1'N*'A4TVW)NO2F0N-#59QD"9]
MJ!845TNPOJYOA+9B%6SRG67/*[=FW-6#Q04_H^Q]#--Q<<<#IM_O9$,H2MA)
M,Z&ULQOS].QANT:*#27;.YS&UY;U1?!F+]9PH>%_^.-+X7ME+#I5Q-%J(L\5
M'O\%I"19)D)8E;M@/1A#>;/3CM':RJM*4@ER;8(L)U9Z7+&2[%U7V)`JLOS2
MK>#S^FO^F]6E&!;+,2FB24E$2V?U.+@K=H:&(*WLGFF1O1JW!SW6525KE8/S
M,R6JS,1$AI%,]\CV$]<B)Y,H'5GV1!>SJ5A#L0$/7!C;U\]``])5NC'#3/J!
M#58SW^79*B@X)6KEY)HB%;>VPB1PH4)6%084*T6D2DVI\%$:+U=1]"%=TP.0
MTT6@G=RMM?7BDG=<(",'+^]X.=T;HPC]MOR_-P<OYE9!3^2FOQ&+TO0?Q*07
M!@_U[@!D)%$-$<9_&U[:!%@3/RV'^_Y8`*GA^%O.J<.%-_9L:NR9-?8,C3WY
M";5&8$:'4%L@3,OZ1Q1F48.A;A[/O@&=2E=?"F5N9'-T<F5A;0UE;F1O8FH-
M,S8@,"!O8FH-/#P@#2]4>7!E("]&;VYT(`TO4W5B='EP92`O5')U951Y<&4@
M#2]&:7)S=$-H87(@,S(@#2],87-T0VAA<B`S,B`-+U=I9'1H<R!;(#(W."!=
M(`TO16YC;V1I;F<@+U=I;D%N<VE%;F-O9&EN9R`-+T)A<V5&;VYT("]!<FEA
M;"Q";VQD(`TO1F]N=$1E<V-R:7!T;W(@,S<@,"!2(`T^/B`-96YD;V)J#3,W
M(#`@;V)J#3P\(`TO5'EP92`O1F]N=$1E<V-R:7!T;W(@#2]!<V-E;G0@.3`U
M(`TO0V%P2&5I9VAT(#`@#2]$97-C96YT("TR,3$@#2]&;&%G<R`S,B`-+T9O
M;G1"0F]X(%L@+38R."`M,S<V(#(P,S0@,3`T."!=(`TO1F]N=$YA;64@+T%R
M:6%L+$)O;&0@#2])=&%L:6-!;F=L92`P(`TO4W1E;58@,3,S(`T^/B`-96YD
M;V)J#3,X(#`@;V)J#3P\(`TO5'EP92`O17AT1U-T871E(`TO4T$@9F%L<V4@
M#2]332`P+C`R(`TO5%(@+TED96YT:71Y(`T^/B`-96YD;V)J#3$@,"!O8FH-
M/#P@#2]4>7!E("]086=E(`TO4&%R96YT(#(S(#`@4B`-+U)E<V]U<F-E<R`R
M(#`@4B`-+T-O;G1E;G1S(#,@,"!2(`TO365D:6%";W@@6R`P(#`@-C$R(#<Y
M,B!=(`TO0W)O<$)O>"!;(#`@,"`V,3(@-SDR(%T@#2]2;W1A=&4@,"`-/CX@
M#65N9&]B:@TR(#`@;V)J#3P\(`TO4')O8U-E="!;("]01$8@+U1E>'0@72`-
M+T9O;G0@/#P@+U14,B`S,2`P(%(@+U14-"`R."`P(%(@+U14-B`S-"`P(%(@
M/CX@#2]%>'1'4W1A=&4@/#P@+T=3,2`S."`P(%(@/CX@#2]#;VQO<E-P86-E
M(#P\("]#<S4@,S,@,"!2(#X^(`T^/B`-96YD;V)J#3,@,"!O8FH-/#P@+TQE
M;F=T:"`U-#@V("]&:6QT97(@+T9L871E1&5C;V1E(#X^(`US=')E86T-"DB)
MA%=+;^/($;[K5_1A`G0'%LTFQ5=N&8]C;+`!!K$PEW4.--FRN4N37)*RK;^Q
M,\CO3;V:DCSC#02(_:BNJJ[GUQ^WJ\OM-E)6;7>K(BA2%<*/!EFDXCRP29&I
M[=/J\FI*5#71=JBF:G5Y<VO5P[1:AT$81HG:5BL<V5QM7U:_Z%LWFG4:Y/K9
MK/,@T4W%7Z>NS-HF0:S[;A:2T@"35`O%#/NPJ.`3Z?^JZZL;L\Z6A;*K\0OD
MZ@L,PB#2CH\+LYIGS636,9(=3)3!9V+F%W`F1F8_=2(N,/_9_G-UO5UE89"D
M:I,'FUQMDBC(<Q6B'4:WVJT^;M]8)XDW09RBA:*,+122"?#V.C+;7Y&E$#'/
M),C2<XY@^90M;VT0;H@YC\#V&6@?;4)+K,&PL143%YN,3?S%&3!$I,>Z,05\
M)V/AMG9#`_6S26"M-!9,/7O*DK^M^F2RH`"3V5`W+9UNF^X!#ZM;LX$M1P?'
M9UP"W]$Q-RDR>:'O-)[\2C1_PDJH_XSCMSNC7H@#7Z)MU;WS!^^)%N,AT\*:
M)ZY6Y:SF1Z?FYLE$86#U<JC?^9$(Z4T,^T]TWA-WE5N&\_$DQ4*H0(9-HDAM
M/W%,%VQZ&Q<;-GT]-B9'92(XUL*PX2'>.\+P`NT,\40=!UXLJ]]D(%1.C>4,
MAYU!1=0$%K)Z5CN3PV8/YD*SXGAF[H\*I7:T`9?W3%C0EL.?>8U/QN9(!>FB
M/C,3M+G5S:+B3\868,K.K`M(4EICF4WEU)W^NTEAMZY=QWOUWO/\^A%"*]?@
MN<!;3HGT1V*PN.*3L1FDV(CJ@^CW3'8T^L;&B]&II*S]4&H**8KQXR9#R:]*
MO-T&9.YZWAN5PZT4[/THMFFZNO$GH2Q`&-9[GI:M>A'RUF3T3_MJ:F@Z>_,.
MCN7,O%_R&>'6,3&;%N)^[L4](&]25WW'8SG+C*CHQ1BCR$BV`H7USIMO>A0Q
MD!2C:%DY?Q/'#"@+&M%`V/!$)+1GWK#LC41HY+I\=W^;AQ^GP5+D-_;4'_'B
M#XO^0#?$W@V6N4;`]8&7'PT*GR'`<E[`_'<0#ZP,4DZ!^FPL5Z\08O#`A$\8
MKPGE*]CW"^J::I&!)3"G*A\"I1S@B2(K6K:BZ%95>Z]D.?!H&/M7N8L(*F?7
M"B?R)NV-4$7`D7Z]+L]EM9C/I!8J/EZH^W(2%6OOAOT`\?#CD,_$P!';%SUK
M(JQWNX9"2'QJ=4=AD_MLAF;(<[C%,R\T-=1(7KP_G-'<]NCMW+,:A55/Z9WI
M"RX,"=693%>!'(,,SRB_H?J.?,F2=W:SX\'(_KM0LE'7#4F:FYXUZ$H6K79[
M:..LYW(#<"H?`]=N*+Z9J3"94%WR;<3MG`S^TC!'BF.HH?=.F$S[86#2EL^#
M.7:B!GB='+#]*\>UE/<P]X%-$5!PYX$*U<A\#XC![REH,]BW,NIK%H)K4NYW
M"JN<NJ[%Q.,6`-7`%!3YQ5*N6TX8#EDLVX!M1I1GB343.>B)&`5^4_]--NYT
M<V<XB.`"&P`1A,F@H25Y!F,,J",<40A'%N`&-2$6&JJN@$JXNX6)=#?7$,3:
MZ(?'649B5>C[:]`Z@>3%2@$Z\%2VH92N,3_:5HY-.,^T1'')NV]XRBIT<EE_
MHAP35A<(_B`Z>OZ.7N"=]N2-:`%$?JF30Y"V-'!*N#V3VC(1JC?J^*D<+9?M
MXP;S0.NOP>)%%!??E4J)J#A,V:20F!A[A?X5<P3\76&AL%J2%((,VRL@'C?*
M@M#O.`9]U-`A+(L1@3H,E['D+P0@FQGB[5[V5(VI6B`PPX,MB!N8KR,>(\2P
M1PV1<.=_V>CWK=>P*O=\='(GV*9B0;T!_.DQ#\1O#N=M)I7PR)GN/AWSPKTR
MR\HAHNMD@_%1H>4SL@F<3*$NOU,^!2';C2^@0WF@JB8H;X&'-/B08%J%X448
MAH$,O6:0V!$5.SSIS<K=..(FFWF7B`"JIIE^;62^QQC+_>[BY+/5>Q8P4BUQ
MS!SKR`MB!^BIC^H%HT`??0#EK9P,LE"5T+,R_=$I/70=.D7<9X6=@Y`=3CP>
M>@?H^@Z?1/*,<Z\+TII`34(NZD."5F,4$N(Y@"V2/=<(N@33])V<=)6@K7G!
M+M`!>`3(;(%-TB`;#^W\*Z#T?!C0+)VT[PC\3#.CET%8"J8I99FHRC.81<>$
MR2"H$6,3%/,PL=^_T<(UHB:&A2`87X._B\1BR7]YJP'$:2?6X31N"O)2<4P=
M</!7A.F5$^2/H'F'?Z[^=LP;P?XE@7T![_**``<TRYOB;*OF:_-M?M_SEJ#P
MYU.&K<?\\NXX-J1RD+<,FDOW$NV%G*.*I-N#/#!FN/2Y;O[-`L;%H@7.!RM^
MX#4;^42$21B*::5%6]^CLBB6U(:T(>$89_/CA6JH&2-H`1.7)!?`XLBU!$:J
MHPR#/%;]L.S*$H9%I$]9R#%`UE4O<BC\(H`W*/M%N+6M+QH#>@QP=3\>_23\
M&0AEZ$W\])VLMPL02CP02J#CT14DZF,O]FW4RXQ-FFA1YYW$CJ+E,15);:SV
M(X)9*HV@."0%(1L&W9`/OR&4@=U9#?C8Q:>*FP)B?[G=(N38[E`0(#Z;+)$?
M+H*L%3`5!='R`NFY6[S`'+M+!UU#?<8BG4F-1A#(M+<.M(M13:?^U7>C''78
M#,`\_P`L1J^8%$W4+M8IV9[%"06@282>G;0:9M#(*P?NDBYW`0&V2)8L/AK-
MBM&NKTP"2MR8E!HD]-66BBTK1MD]<E_GV33PV\_JJ1&Z5AXNQR#!@E[X(@G]
M_+2]\@CO3VQ[!]<"OQ3\5@,V"'^Q))(VO#;3$I8IL&ZIZA[W?&\=R@.+H:".
MR.B0WA]L(B7=2DG_OYZ.%^N$L?=TK/[='P#DI_Q(^L[`$`L9OG).R^3:#Y$%
MO3TX!\&%)23.C`5\L=5;R^S<,NJY8JI/&*Z,-0@P^1+'^04$_&REXE=1Q9I\
M8C,G>G]$]+3DAZ4GD,(F,WQ8(GL/\T?'W!I?\\#V4O)%@]>SJGI8\UVGYA6@
M#Q1G:O94.*5,-F-]+G&0KE!1.25I;"GL1FGZ3C/*CU:6KAY=QG\Q^-B[,PLB
MP*@A6`@7X;7I"!=.[$[QG!$A1`Y/H)[BA4?B63(GJ6?920FE/@"/O]%/U?75
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M%R3REOV1K=J28A+??!_>@&!C2\F=?V`7)H12[:_/S-KSRYXAP.^KF*_C&=9Q
MJ02``Z5`5>W>Y_U2B0:N!_^CO&IZ'#>.Z#V_H@\Q(`6SL\.A/K$G`PX2'PPL
MO(N]Q!<.U;08T*1"4IZ=_1EQ?G"JZKUJ4CM28E\DDMU=7=5=]=XK`20"F^+%
MJ<!+,ZT='6?<K`'+W<0YCCM:6?A8=O.I0ZALI\Z`T05AY?85<)(/R;OA++W3
M=W2Q,;#"K[F9IET+^YU>&F!MZG-O]'BO2;<H_W4VFM,?ZSB$<JW9FY%1#(T1
M3C'8WSNV!CP[/8CNN9VK?8^Z[UXNFHM1*1F\&Y)6[M(VOV.M-U+C):0988;3
M?`&;*/@ZM45#Z"ZH^`BN3[$6K3*3>/>[&?639\R!+(-6U;D&;^]F^5)AGBA7
M7NM$;DZ@%[?^57[=!]H16MIH!"1.9$^LF`U&G`(+=X%)7N'#C.Q3_I*3P>5-
MG#FAV0![7,Z#DHT"-Q1+1C@;)5N]1J9H;+J3<S^4YDR[I2.X8Y`FK[<"3->;
MF/74Q*QQ[,\F=56%4[+$4MN$S>*\U*:HG\2AJF;I:L(G6Z%I(*=SP%=C;WT8
MK/41W49K]6=\'X&?HM@>]1Z=4YE\<**S0S%SVE>M%H?!&%6]Z4L^M.86:57G
M&JWJPUMLD>/M&^'5IC:&'73EXV*T%P,+G1`8^7@,'Y8KD_O61-JLQGZ[8_C1
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M/#6UK2Z4B31C6\_1/C;V!0M'>X[VK)+#YBX)3]P)S:`\8&'CCH%#Q=$2\^)P
MEXZ:GQKX?#[X&O-9!8O-LF#K61S-9&'NF6`!GX;Q[@:N;:9SW>!<56)X6N`,
M@?QZ<XA-T,LX7P>&T4!X"#V'F@+_4P:-:94&D"_X1I/=1"='F(QR#WC";<A#
M@5UJO0]N7,$8UW[R+;3F#7&4KU[HXQ*"*4'R<`)6B\5JJ9U*S=>BL=4-%TK=
M_`)FJ6?A=(&S]<8W"\XXV4M3%RU'H^'D:@&'!.&N)_9T_CC^B:/&V*MM50Q5
M.DJUE@%%)-F^%9#=+:QH-46CS9=,O@]_MQ'Q4'AJ0VTC30EFXJ6_`^GMA?1T
M"J\PLX0U\6^BB()EKP3B["LF0OQ\NK"VW$%IFQB:>QG=@#*X=*XS?]`&[KV'
MW:?`*B[IK;@RI1BQ8^$5MK(M?I[OCL`Q,BI!7NCW*<DS)KDHGMXP:*NB<ZN7
M2:&Q3AT+0M5\_($C;=]%+#*-O0;JBF>-F3A(*G^+Q\:/9PVP%;<&+K40UVY!
M5;J@GD@PSDYNF1W+^`.&SI@ZWQ@2;:U79Q)H91)H0PFTGB309I)`'M35"`)W
M[W$&\35J_,-;&.5Z69L+3,W(PDCS$68%&Z/+9=M6N#&<^*D/S[9I,B,GACFG
M2/LC!L3Z;T\8*F@^HIU:6>'JU/@?G-(*GFO5S4QC'_J$,UN9K/6&12Z+;LDU
MB4(RVP64LX/AJ>]^Q<I:`J8-R9H$<GPR"2W.%Z7'[*<C>GEKX(P#^.4/4-TA
MO%<T=\YP7A`,5,/?Z]U;@4JI&+F`C*1)$S%7)#A/W-0_@YH$&>4L"WQ41;KX
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MOW\(/T;U<##VJ[4!V"R>2&IX:RPE^*+8D/D+J%49M]*(MBYFWB_?(`N,(GT)
M$NM-9DW$U9;D8;J5AZU[F(5/4571!JU(IJW(((T;^BV5HFI1D$*$T(Z6Y10V
MZ13$OVP_M3V[Z>9WL[:'2;]GVT,FS]$";/TM/->-C6J2B*PEI`K/'?!O'+]#
MF^8<O[6PU3;'HHZ-8?`=W4;I6F4K:BS3B;UI+T/D/;BT("X=T/.1Z;+%Y$B<
M@11E&*S(KDTX7*RJ&8S]LI2W,YPLPB%R'R6SQ=']J[`^K'</#_CR[P!C[0VA
M?DTG4J]]%G%4#TG-J%YJJ8Z49)O@8Q!G4&IG651"7)U[U:H9.5*G3*)+E-B9
M4LS4FW'C?K&2(:$6/RG,GPM!)&_#G><G,A-Q0&YQY<T.MRL.'[N^_H*XNG8L
M&JX[U)=!%"V\*@5,*]LQY#C*O1PEOK!AZF!8#ZR$81>*\/I&RYFMIDQ?436Z
M?LI5W9M\60/O%&X[C/3Q_T-)*M3,!:F(,&?SC\>Z%[Z70UD4J,Y^?&';^,=J
M=3]%L,<V)OAW)OCE5HZQCX!\4?\HMIVV$4/B<74`1[Y?3/T/=(0K-DD7<,@N
MS923-=PW-22VK7#WIF#%P+EHFBN[JDG-"Q$+(@;DA''6`O&:4CMAE).YTX^^
M>(BH_1V$D0(J9FBJ)@D2H=9V*L34F\Z\<)^PHV4B(5PC^&+F;BB(UXDQ"9X^
M#F?D03-:>@S(S]1/:.I\9]R44@=Y5.,%E2O3/S"XG")WG5JQ'/"SGIOL.)?]
M@]AN?+*>NNB"$_T:F:_PBI:@;U:H$D3R0]?V-J6+G$L/(S?`V^'.6/>9$37A
MB8XHXHM!V.";DWGN9)Z[F1M"XQ7L55V?DA-0QRH?V4%:'[1SF#A*7@7'BH/H
MKOC5>.TMJ#4F"@Y]&3E_=+3+\PQ?WN;?V(>?EMCTLK,M&G.H<9@1$2X2VKX-
M`;`(Y('^E<)*K4'"1TKT#(PI.>C@37#]E=JBO)PFG:=H3"UJ!6T_F)T%_7Z9
MK<!?"9T9/8_,.B&Z6;B?>AT?_W)+,A?M..^I2BC-$WN?"+;7<C,Q;0)4]"T5
MJN"&MVUR`'_.*8`%%^\?\/SP/]K$@GI5!.:Q\$;4)HCB#53F5-#U(=&'3>E3
M:YE4<CKY3Q1EW)<=7CUPHAVTR,@39?=P=D?&RS"O2><Y>ER3SFT!L=N6%*VF
MF5VY5GU'G1H^=$T!!5WBXGWD[J(77--">1^^M]EXM>I.(K@=YS#_@*+(K<]+
M*OS$D7Z$8U3.3A!ET3K*=FZMH-M6>=3PQ`(YZV<WG?:`1:_J,B*\D4NU)["=
MT4;`"P.M1Q("W'NY@1_Y!"`Y3AND(7SK1:1WJZ5AW(&&*K/@6PZ+KE0Z&'S\
M!<M3(YI;;:V]$<U!(FLTHBNKW#7.OH<ET5[L>%<H1:,)6*VPN]V!O@M;6`-`
MKVI;A*50G.;*A^6*NF:]F,+C_M(R3M:X36LNO%D^VG5:_/4H`DGQ6<?QZ8R7
M!CZ.WC;J2]J:_]B[:SJ^UX/!YUX>NR4X2V_HKQ__]-\!`"(=EE<*96YD<W1R
M96%M#65N9&]B:@TT(#`@;V)J#3P\(`TO5'EP92`O4&%G92`-+U!A<F5N="`R
M,R`P(%(@#2]297-O=7)C97,@-2`P(%(@#2]#;VYT96YT<R`V(#`@4B`-+TUE
M9&EA0F]X(%L@,"`P(#8Q,B`W.3(@72`-+T-R;W!";W@@6R`P(#`@-C$R(#<Y
M,B!=(`TO4F]T871E(#`@#3X^(`UE;F1O8FH--2`P(&]B:@T\/"`-+U!R;V-3
M970@6R`O4$1&("]497AT(%T@#2]&;VYT(#P\("]45#(@,S$@,"!2("]45#0@
M,C@@,"!2("]45#8@,S0@,"!2(#X^(`TO17AT1U-T871E(#P\("]'4S$@,S@@
M,"!2(#X^(`TO0V]L;W)3<&%C92`\/"`O0W,U(#,S(#`@4B`^/B`-/CX@#65N
M9&]B:@TV(#`@;V)J#3P\("],96YG=&@@-#,T-B`O1FEL=&5R("]&;&%T941E
M8V]D92`^/B`-<W1R96%M#0I(B:172X_C-A*^^U?P*`6V1P];LHZ3GFR0Q2RP
M0!N;0V8/LD2-M5&+6I'NGL[/R`SR>[=>E.1I=Q)LT$";I(KU8M575=\>5V^.
MQT3%ZMBLBFV1J0C^:)$G*CULXWV1J^/#ZLV=W:O*TN=(V6KUYOO[6'VTJTVT
MC:)DKX[5"E?Q01V?5C\%]WH,-]GV$#R&F\-V'[05_VIU%V[B_38-3.^$I`R!
M218(A8/O<*C@)PE^4]_=?1]N\NF@[&O\!7+U+UA$VR30?%V8U;QK;;A)D>PY
M3'+XL<Q\#7=29/9#+^*VX;^/?U]]=USET7:?J=UANSNHW3[9'@XJ0C^,>M6L
MOCU^Y9U]NMNF&7HHR=E#$;D`K0_2\/@?9"E$S'._S;-KCN#YC#T?Q]MH1\QY
M!;[/0?MD%\7$&AU;(/^-7Z*/VT;U1H7@A`*\N0GC8IL'MG5:56$<PY&]A."J
M0]"%FP1H7'@(6E[V'_F+DE\=1ENXT1G9M]8)X]:J@<_`P>!LB\=9H'M/4/J%
M.VM9V18D.;U6IV<14_9^Y<XB8:R%>BC'\``GCE7SA-5?U?\AC`]`"CSP[J5$
MGW3=,[UWI"#(XGV2J..[U1S!4S"C>\NJTF!ZNMT%KCSQ@C1)`V^H,PO;A;8$
M57)P5H'WF!S<@2ZC#_9#Z+UT1I7@0]>AK@4$(]_]F1DQO4+6#7%KF5OOKZEZ
M2>@T'X_"J^U+1W);TRNY8H%R!RP-7U1/80X,SV&"F8DO,[,;O9:7ZCP9R03X
M=*\;^RR\K1X?A;[25^)%F1$3'<7-#[*+4WR0GX)>5QAI<!18(M\'(S%.47MV
M%TO/@D^M;,D_N^`7IM?TD=PW>EZ7,*%'%)S!C56&^3:HSIX#-*4W?@?>2<@X
M>$*^U+48>:3&O=B7>OOV9%\JB`(&00(7Z7Z*L#G`.+Z."%@Y>C_0K)ZJ9>$T
MO2*^H1S`(V)D%^`]>ROXA&X81L-T0XBJ8P*06P!E,1IB,*N_$.^3'I5IB$)U
M7HS('V7?6<6W#'!3)XT1A\SIZ0J*ZYASXD!>C<GK25#/*IH37W'"LNWI]>CM
M$GD[>)<-ZD%K>"UW&7OAT(SFX66`^$KC`5&*#CKB2?-%2*JG,,XY+%+0+L=#
M7*(=A`U8>:*@U@)3DFM7>)H)GAHF$$3*F9$CGL2>\2@7/,K1#1,:Y0LT_1`8
MGUB`WKP`#+^6QL<3_N6BO&O_K!2/V3EA-I5(SF6LC1#9/7]T&#7T3*]@XM<1
MB^XA_,]]4+G%HWNX+R:X+]"C'"02,0`<$@>C\R25#VU2#Y*4(\GQ1;:Y$)L+
MD>6M+CS28PPEB/)\N9LT81#G")10E(!]#<21A*.3\\>UDA4`W9S;4+AW7+@I
MR]-X3U%)KHH*WPI%4J8!(JB+V0-'=7\9!C,ZSR:;V("`N)C`(IY]'XOS@84J
MR6APGM9637I#SC_R>5O32T.,VTM#CFC05GPN!/I*>B/:2-O4N_64:OR8FL,"
M@KI65I:-=Q;XDT^TO8E#O/J'Z9F9T>IO")*<)E@$.Q)>0XC4BVMHG&A1B@"Y
MP/2R<<N-F$I1@QAFV`>5J.QT?1LX;H4UO[0V_6S3X+&0D=@)$DK@TR''XA1K
M@QX;05^^5/:5!HQ=V/D.(2G['?P4]E/4<Y6A0*]\&'*:+#S8,"/=U4ML[<NK
ME%EHW+NMPO9Y1[G+5M8^G9ZODE%!(WT3'&[`+Y39P0-EB#V\;0FX3IW@CVKD
M\Z@&]#@@V),9?Q;XNL)1\!K#ZYDX7>'ZC;"K9T"T%1^/[6D^K&<(KUM!4W\`
MG8HP4@TI94@D*^A0J[/B.VR5M+#`6'TF)T(R,''M+4%B*T7%JGLWX2PPTU)[
ML(.&^GNC^?EQ\LD7>">^Z@6!+9,LZG.]%(9VJ'F99/C"5247$&NNR@)DYZ,H
M##70++XDB!_BO0IK3,]O,8H=E5-20KA-B[#WD6^CKZ6?*__L6&7[R_#%RVA8
M^N+Y6&O_PHM2/<>XO5;!E3>@&)K-+)\P=)'H/M-WVTC]6')'-Y9D%:2<]DB&
MTMZWH$L://"/*X4&W9_A2+5H[@Y)1K*FP0\%@"X:!<20<!L$/DM&W)G>1X<#
MS@5VY?9F%4AA_GM]*'E+"$C-#2Y\*PW&R*3"+?]DTBBM=R?#`#?WM>*=H<[?
MAY@>9:"@J,*%-.SO0S1>9$US1MDAG$W%?2]CCHQ('2LB(\M'&0KN0XEB#+4_
M-QY0YB)=[^2+9RK7:M7V<RSQ&>3TX/E,>@O19U%BDL_L*B:3J8M-YLWC<B[J
M;A>5*)N#+9.G^BB#B\:41]B'E/^B/@3W[]_"$%@;_EQ=_%<T&,$9[)%/W:66
M8:963QB1`$CS-,8'5N:6.\Q2/!BA@A8,73M,Y9)VGNQM76MA7WO)ZO/=E]_M
M;,BL=+8P]=&>J']JGOX:+LJ&=P]8^OZHR4GB.;QCYH@PQR4)NJ\:`RK!L*"A
MDA;@AHY..VYL%#<_T!1@[$*TE#P<2B4%>&]EC[-?',@&ZTMC+J-B9F7('8,(
M+OFWHS::PQ7P@DH0G2]*D)`ZT::4+[6FFW)\5KVA+?1L^*OTIXKO:7C8/1X=
MHNA7'E@0(<Y$U7GF+_1ZI23G<TG.V9]G,[:_H$H'`7&8>;SV=4O0O:.R!#XI
M"=.S`'J6WO#2S8;J3_ZKKGFE4M"9LOS_BYU4_=!#OTKATF,L3T'$FXHCEA`X
M0;S\PZ;Y94LRE4T&0ZG]4BRO2^=:E=/\Q+7&*O/4@^'#W$?TOE=8<RM@I160
M"MM1ZN)![<L\]PQM(\+DWJCY@BZE?.I%J3N;3FJ%.I>C\.FF0BN5'EKFM?0E
MU%=8Y<?%DU"V8FXY-0W48VGK._Z2^YU&VH76U]9I7+P)=?'\F+$\)@RU9`AT
M?-3`)60VB"*ET;7+;I^CCKIX0,<I&D&)'8!EY6AA1D[^-7<-"7<-6=#0L5RN
MA-<(9.SP-!@Z\\PW<$@JF0#$EZ*9[ED`^?&P;#%JS<QI,MK3';E-Q@A7&"D=
MZPK3PHG/1M;-7$3&V4WB2HZ(Q,MSK^1N,3M5YD9;DD7<M,>(?(#]Z)6#G%@:
M4;!#@XV[QB32N6"=P<BJ*UOAMJ8/2@*4AP4@K]>J*B\4.9F7:!J2IG`DB[%C
M[IG=Q.+$>X(YX"PS&#3^OOTP_GD[P/*@/.'_CJEQ*1>?K]BV/8D3LDO-'UL>
M#5`;YT3,V&NY:G_UHQ"Y1+\6NB\1$I^_,A>&-.E^O2\K<XV04^)<S1Z:\17P
M$8NN[/KI/<XEGP@/2MFO=Q0;T/J<A-9"61"5!H@R7U6JCA&<GS+'2:1TUWD%
M_M'_E:LMRQB$&@>.BQ6JFK15\#[W8;RC[H;F/9XVX6[%=-KRS##YQGB"&NK`
MBU"&BJ-'+?(1W8G)*+`(V3MR6\B/F7FI@+3\03U>J6ZZDHO6HD5_ENHS^$_,
M0JH;/%%E!J$96Q%SYK=9^GJM>"MFE5+4M/(>JD9]]7#3X_,CB(:5%LOL#*O@
M5%\_F>@\^6%@,\W@3YPWYVM=K>=Q8T2D.CH#1E3X4'[&!H$FU'8D+6N%;7#$
M<O#3-D0-%58/1=T?`L"&/@G%FBD@L"`VV0)?"MD\*(C<01ZXJ03`7!-2^JV%
MFBY/R'-;,'?H]E*=%W`[/6"!I=677SY?RE?69UQU-H8%H,,'UF.4<'GD+<;F
M5?I-;$1-].CQ&VY"YQZ4O=@9#DZD]E%';41,L)A0*?T?Y=6R'*D1!._^BCXR
M$;(L!(PT9\<>?/#)"I]T88'1X"!`P6/7^GM7968#L]+:ZY/$=+VZNBHKRZ(_
MW'-/NH^$PKH9K"X%I-H(),:>?&OT=4M[THF+5$KP>_2*6VCE?(;E5E9:EM8I
M"@8=\ZLO=5K!60L'=!P)WMA,`V66439Y@[52UWOAD(0[C;?YYF[317&O]+<R
M2LEDR$VW7L4>N9;5<[R&##G3X0\?X`?>(=^>)%=EKS[[!JMDAM75@-DC!D?T
M/S:@KO?>(B&'+DSP"_6:L`=O'J+G(44['=Y-*]_1L=PFX<E)%UK,S81=(5?1
M"9XF3Z0,9G%>*#^"T]]F,CEBL_#?27('1?=MY2(H6MW[_H]P?Q@Q6D?-M0%W
MO@=G-FF$.3\#8K#Q+D`(I[SVXOU`P3E\COWK?-+JT\^=M-B?R[``!LR&;3F$
M)AS,3>]-<^<]XI!HM`7^;\+7BP)8TSRQE:T4A#X#96.HND98=#PZN?9XA[Z4
M2,?;O/TP!W/.A2I)NOHVA-\\SP_B5L&'OR#Q"VF(C]CYPO\-0/^$YA@9S!3)
MB@=J1+(JQ:?Z80X2(O,2-7/@P-(7B5*SHBB9&3AQ"BI%%MC"XTH^SJT\B.2!
M6+6PV`6T2#*1^W`0VC@3`]RZY'4<=#LKSAV*?X=AI5L.4^;0<!X0@/'@LV*C
M3K&F'C'U4JY1#F"7TGWR2:UN-@UU-X:EE/;,MX9:2;4>',:LA*YYV?U.)[[8
M-1305J<(]QM!"U%;2GB.,?*0$.8<Y&A*85[Y"+5L7EW^EI,7:^-ZV_TX2HLM
M?P7S9P^`>BB2U[E#"1D8Q%?)=Z\"-#]RV3UJV3VRVHZ)%/7%9>*K$X"4%,@7
M,A>?9^GW:&V";*6UP'#PFH?E6"UX"JC($L5J#>RMZ[?]C&5W%6@4N'$ZK^*<
M*<L2"G44FF)P+?O)PNO?E<%D5$^V'*$_;NKW!6GL"(GG:X,@^2-C8V,RK&%>
M+[?1H/'#4U:L!M^_T/])//="7W173FN%2XU>2UD!A+%Y<I;R#3[#*`]=HY3+
MJ/54K2--VQP$O]C7\F7HZJ!<*N.CO'7L^OLU2'^ULUY_#-M;=XS3][C=6ZEP
M^!%%C00W?_-_HXM3[,1Z:=9;?XP@]]DV_C/F5P,VYX`M.&"M1D!F+%";I@T%
M1F<\F;>TT8/,.BQ2RIX__[6,;_S/`WSEOYC!3LKYV8R&2-;K4;`NY<^)LJ\.
M+Y(S]Y;AYZ1]/L2NH&H[`6?[E^AJF8/B.KLO;&XR(H9@42C$=M*1+KM9\6O2
MP5D17\6_1NEA]=6N69WH?-P<CULM/S+7MCVVW!@YSE`%#VP+ZQ9?FDX`7F>N
M?S3"XR^4:JNUJ"-`/3A`"4VA%2Y1J5GZFB+-^*V?Y^3@.ZM#!NKKE#P?=%1*
MG8M;B](JXDKY@&Q#P>]_':Z&8KE0LHN3PS+;*Y##72([7:M_&N22_Y_I=`^X
M61+O4S/0B<WU1@U]W81VUNG'<W,CO:E(+['`VJ<;8,L<678M5D)(YL]C)@NZ
M>$B(5[\\/>7!@.[L/K+;O#@>5P*X(=>=D*NXO0N_MX>C8TG5@"UUO%2''U5,
MS;!,[]'0U=/PZ]!OI9V#PZJT$1Z:-D==HD-EGCZ!&;GXF$5^7".W[*2GXE\P
MX5-IT^551L>U64MUB\.K-^'::&5\[';>\TF$!$;I0@-0`V1LUX$P5"$3G5K.
M=M49LXL:D9O?;_[:L8[XPB0*56AR#7?5:_MS;.?8R+/M,UPIS8\5(2WT'Z.#
M3\5*4#+-@VPTXW3SG2UKFXOW<2Z.I5_<-U+/D'5,92Z39M;GS0']!]-<)2U7
MEZ&V==)O&M?;H0(8^S2Y2Z(E"$]`0<H]@L/X9]74RTZ]D8I7^HYK6)('+6R6
MHE"AZ@B$OJ4\VJ\UXFMP,(/E@DM^AO4)(R`&,NWG0F(31)?RG/LO_15X1IC`
MV\K$^,-]_%JB/%$G7T$]"JNFGWV27`(_U0>@DP7II`_IE'7#AYY"O=#*2*5>
M,,"G'_BQC$A?&HUL][CR-`5R7S/O'"Q+AE%H4U*/\P-'VFBL9R<V.WJ$=D9(
M2*>B11W9"B>7ET&!SZNIQAX?JJWB'FTMO(IPWJ>B1[(_/?WTSP"(\B#/"F5N
M9'-T<F5A;0UE;F1O8FH--R`P(&]B:@T\/"`-+U1Y<&4@+U!A9V4@#2]087)E
M;G0@,C,@,"!2(`TO4F5S;W5R8V5S(#@@,"!2(`TO0V]N=&5N=',@.2`P(%(@
M#2]-961I84)O>"!;(#`@,"`V,3(@-SDR(%T@#2]#<F]P0F]X(%L@,"`P(#8Q
M,B`W.3(@72`-+U)O=&%T92`P(`T^/B`-96YD;V)J#3@@,"!O8FH-/#P@#2]0
M<F]C4V5T(%L@+U!$1B`O5&5X="!=(`TO1F]N="`\/"`O5%0R(#,Q(#`@4B`O
M5%0T(#(X(#`@4B`O5%0V(#,T(#`@4B`^/B`-+T5X=$=3=&%T92`\/"`O1U,Q
M(#,X(#`@4B`^/B`-+T-O;&]R4W!A8V4@/#P@+T-S-2`S,R`P(%(@/CX@#3X^
M(`UE;F1O8FH-.2`P(&]B:@T\/"`O3&5N9W1H(#,Y,C8@+T9I;'1E<B`O1FQA
M=&5$96-O9&4@/CX@#7-T<F5A;0T*2(F<5TUSX[@1O>M7X$BF9(WX)4I'[\29
M2BJ5RZARF>1`4Y#%60VI)4C;LS\DOW?[XP&49#DSM>4J"P0:C4:C^_7K7[:S
M#]MM:A*SW<\VB\W*+.E/!F5JLO4B*3:EV7Z;??CH"E,[65X:5\\^?/J<F"<W
MNULNELNT,-MZQJ-D;;8OLR_19]O'=ZO%.GJ.[]:+(FIJ_;7F8WR7%(LLZMH!
M(E5,2E81)`9:ITE#/VGT/_/P\5-\5X:)JMWQ+XF;?]-@N4@CJ]NA;*=?C8OO
M,A;['J<E_3A5/J<]&2O[>XOC%O%_M_^8/6QGY7)1K$R^7N1KDQ?I8KTV2_9#
M;V?[V2_;*^\46;[(5NRAM%0/+<4%?/LHC[=?626$5&>Q*%>7&LGS*_5\DBR6
MN2C7$?F^).O3?)F(:G9QPOKO_)!]7'>MLVV<9-%@.O[9PW5NY*_Z8+HA)@.C
M`SW&)C*GBG_(O^FB)+^0R").%TEDS/9`_B)GTM[N\2A[FB<6J(9&OKK6O.CH
M>#0LN8G<V#^S2"/_K1D.^EM78E)M8[H+RU<ZF#1U8DV'#?&2@J&'T@&[^F]Q
MLB'3FO;,@F[OI60GF<Q/MS1TZ:1(4[/]JX;@)GB*A^RICQQL;$=4#POS$"<Y
M::G(0:J/';.FRXMK-NR:E%U1/>F@M];YDSNCHK9RG:[2;5G9HWX=_>:ZZTY6
M92NZ8D+*UW)9\G?3>BWRC6-4K-]-1_G;6HP:)Z^TBD8]DV*8K@2EP3M-J_KV
M'7MQS8+L0_;@`)OEL7A@S0F6.*>90$&9:U"28]-%EA29.#9$]Y>H6*3F4[RB
M0[MGV\MI)9WZ9/Y9J04O7M,J:*(G2C9%>*)B>J)"E6XYRRE465M.-S7T9CJF
M5\DX1,C.G!YMB#F?C3M4ZHL0D(_6/.D.NB5E]K-^"#S0]M;NS.-WG3,$(Z;6
M_91$L>#(T(\7.W9F)+#1F?[-6QRK%V<Z7=YSW)#62>8SAUCJ3:_49GLM_[$Z
M-K*RQT*/*S?5_WT,<=PR\YC+(WV7S-P[U\0%/>A3^XV>:,67X1QOAQ^^R=NT
M>6A"G/3F=!&EM_+%1YO@\GI*(S+IZ3Q73#,X)$"C&K!\D&5.%,=/D$;\`HP(
M$SX<FK/5ND.HPQ"D6\T:"*_X1U6^C?<&F=";EYY50L.4I*UI(2+)4]LI+2>]
M>-&P_0!C3X(U_0`7S-\!JK=98%]K>T+8&XV:@P2S5>\66BRSJ*V>+H(5J_AJ
M!RHR[N0SR#6/B"N-QZ,HQL=P_F$U)YP64;A?JJN*5;_BU';*):K#N0;:,J3I
M3HS6X(8RB'O55).@FM#P\FY><=<>_9!RVXV/=8"$2S"@S/8)=.;I/)%D^1*%
M`,PE``N6?XF3DNO+<)BR5LW1""%?=3[HZ@`1EARK<X2VQ$P6!I\_BUYZ02`/
MEDP#[>:Q:7?JLQ;VFI$>\0Q7$!O5N:^A1C?B%9P!.A+.#;#*JD0O](`GZMH_
MM_/NTY*Z_8O&9SG%9ZGQR;A9B;D<56+D2IQ:1C^H'XQ3>=#'0X6LW-R/PX$I
M`0<,9<PMF,I8'DF3348!]QZXDI\JM0I)1]X\5+YJ5QSP>704T`%A+*+?1A5L
M7"/+XD?.M)/.<Q7)HI>`_7)W/624)3);)7NE5!=JO!6$%_95Q[;&B8.=FQWF
MU!8UL-&MSQ=+O10K$!6K-Y`"LHK.CU\I!&2,=11_]T]8LQ;S%+L4KO=PQ=L\
M>>?%6UM;_^"5<L3^N[X[X6]_ZG0L-J1:Z0+,DH6UM3N5:%J$BR``I[=^[G6G
ML=`>WG+MWY+1HGK6D3@E84"P+=8&!:6PUDY(78VZ@I>"F90KO^L!UJB]!XE@
M:ZQ.O^IG/0Z-+&-S2Z\&B6/C[0G.X,[D-LRO)J>NU*GTCON8$0\4;:49G49M
MC9)2J%\R7[J**#QJ$1YUA4<]PZ`D^H&XP3H.=.1)WEXRI.]&75/8+>A.HS^]
MZ\5>=1P)[^84UMA9JZIQP#>#/QRB:G98@-<HQWKKUQZ_WX)L*RG]/MBA+LP%
MSID'.%_&R@E81U0'=U5)0>#LTX7^X]P\7TZ<%\:=OTXN,*TC5+D`UMP[R1ZO
M>5![I'<1\RG*`?X^RE<^RL-MIG2G-[0X*C!$C]DP$B=:ZBDNH/LMF:OJVG.>
M707>1-'V0BR1H8LXC"^%3,_.VK'(MQ&.6B?F)T*O`K@ZZVOBWNL/FNR1V9K5
M,T"91"/%-MD,NB3_&\HNS[B,K[@2L?%:/+.)D,YL:0<6]SMOK5BDZ4B!T*[3
MJ>^>05:/<VCL^AT8H/+7&Y3L"\6G-E2M$Y/FIE8#1?]>3ZSE#/`]PG'0@<"/
MH1\N:P;/$#F=V0SOJ[Z#".Y&*]["FKU6]3A(KN:UB./,_IP[LS"&+7@T<]_#
M/)0M3\3W%F1:-%.\.]8NWJ.+L)Y.;-$K'@V<;+K`GL'];R0L3N[BNTWT?"'=
MXIZ@U4-UU&?2'A;(C)N=,?'OX>',=(.Z&R=ITC9<^N4V&>?[05YY\#H:6USQ
MO)O0./QMY+D^-(MTJL8GT2_XX\>=T+[K+[H$T?"J'[4/8CZ'@O:G>X.=O4"D
MJ_8VD&:*1*M8B383-69J'4(O0R3V'!DOZ+JYIZ3-(B"9+R$%*LZ_9+$+\'O!
M[3EG65,`/3P@C4[5+1AGDC3)U-?4&3A9#R&D;UDU?X?23*0S`>EL%%P2/8#4
MC*(%OJ0F(1QT5%)2Z,U*3A-,2$`5\OJ9.C9'^A'3\NJHVM)S^":J8'JMYZ*6
M9+YV9.*"EP,FZX"?_"2%[TW"J2@=A2\=TD-XWQ@<TNCEH)\Y.EG4SR<(NGDB
MGB'CQS,X715=M`8<J/`J#X73]-V)XYQ?;!"W-$H<-V>P1ZT8;A:SQT*AJ9C_
M$_)REQ<G&0V_*JFUM:H,3Q(NVELF\"S:]#AW%PN3Y#K$\Y*#-'V0:2L\G.<E
M!7DP-)`$LV,=PE%$BE.*!T;!7>;$:K65LHM9HF37AJFOK('`99/`A1&-]\A]
M7/+3B)D2Q1MM+_]4#U68OXT]@[3:;>YKZ:;H>JW.N:NNBE)F79JE*&5]2]84
M$9'<?IW=Z>)UV_66Q#)`($G3D.,4G$/CV:90&26Z(-X=ELZ%*`X9+TJ-V#3R
M"PK+<S-QP<!:E8SBZ$!6)[KK*$]5I\1PZ45][-C7DQ(K9'8Q57*R!@-M*PIO
M"(7FE"4U+.XNM9@*WSL3]!!-KI7^,D'^V;:+/7>CV?"<BTU!7]5)LU(KAI6A
M"9I2RQDL5;KD&Y9'2R6O<AWZJ.KQZ%=:'$R='UH_;`W-SG2[O?1Y>[WC6AU-
MQ1T=W.!+#4&8.:$;HZ81:HF:7W6!7EH;+]\J<J@5$?I'C_JEU*(?)LS$A)<;
MGS`K<__-,@9GI.\;F1S95C^&ZU31QTHVA5>83AF8(@.WDGJ9]%QD=ZJ9G87,
MUE+@&&`40^0<^0)896>DF5T%YS+YE<(LA9QQ)\-^KBJZT?90-:A4U>K\3FI+
M!BB_5GVJ5!LV-7*.JG;4$_`E="Z8U5MWPHF"R;0TA<&D&`">*8#G9\)P1:7W
ME]:"LU6[`,E;N&+_#B6ZG25N/"$[$*,^MGSZ^"!"2!Z/!@NODCD-Y`>)N$;C
MMT6L`52N@LZ9"A]=$"0/8(X)3&W[5D,X"$C.BG?X\ZN>XQ--31^N,G50FVQ/
MC$N]NXWOI)%B%1)M[^7%.T"332[,U(6R12A,P@Q!$CP5<*BP1(E";/C4-YVN
M]0+7N0!/)A=7!YH'QH+48P%Y5'&+2^]DO00;W;WP)UM`YW^B/RBOFMZF@2!Z
MYU?LT982%'_%3F]0"JJ$$!(5!96+R9K&8-G&WA3X]\S,FXW=-%#HI;&].S,[
M\W;>FU8=.'S_48L;M^,"^9>JG&)O!.GE[NQT]Q;VON%IUS56XZ-!PG:]=S$+
MA,8K].V8^G;9ZQ)A+*JPGJ%L/H5R/)T+F/+FBN@$0?X8:M"$JUJO7B`]$T](
M(#(>A=9'O$<-XSYSR`\K*S6$3))OSH](2*G)[96^6F7"\XX:KU*DM@K/8GC;
MTLU7NISWHA*N>Q)X=\K"S31`'-9AE7+X,#4-G+>7P/UY%!D4G'G>J7V-R8ZG
M;_\)X4/>7]1R`X9*%4^X3&7BH5,DP?@X.123T<*30V[>=([M;I@`'Z.#:#(1
M%9,P6HOB+G"?*/DMF80TC/U9H\`_,A@"9)!21OU#H%`$^F_?UMO2J=;(>5#]
MCE][<<$EVWB3=%./?/3>KEJKG=,W,Y%"U_T6V[B`F"U92ZR"UF#NQ=,>UR]G
M*3)B!ME)$&4C4334.%3AUBWQ2)0+;TDDB-/IR).S6+*GV]1LN$!&QQW9+\@&
MVQ<B$1H!1]%;=E#PV7$QR/NV`BG**$*^N371]:,E\]W-XH!3Y=#](`O;,.8\
MXZ6W5??NWNS!CH!OON)V@<Q+*2*.X1#,R\KZ<$K\;\S%SQZN2&/YVZ0YS4'X
M4G^*N=$]@\']HRU$+K?X26-%X![>F)O`5HVTJQIMC(<:X?=$1%PB4\VVXT$(
M\1(P)$:^NR-829?+5@5O<CB<G0S^T1%EV[<]TWOK(C@3,"OQ#G5$A[[J4[O5
ME37+#1$9LE[F&VH8?:F&',XA8VPGXH+07OL2'>9$^@YT)R=";(U:.T&8-[[[
M<?*MG:JE9?ZBF1@5"CRE^%(Y7_JQ`@`-`-B%Z/D;"*\BV!E`6`#G=EI?X[%1
M"@0^-Y5QZO6P2.F_"!0)*C9%%!OS1C[I'FH]JCU'XUW(!1@JC;T]`-2,NF)^
MXZQN4@_V/P''34F*WJ!D^YXI=ZN9WVL)&FS\)V3].H:0'W;,6,M+RB>ZX1]0
M=4P-Q"(QJ<H9/RPGUIF3SL7YJY`X(C@C+1-O6)Y=V%LBX;(GLE_[$36EO&'=
M@,&F(Y5Z`F'FP9]VSY-OXCA)^6D=;,SK4C^\#9<;..5\9=(VB`4I+^;9'597
M3\V[?2W?:"![$46KN7*9M5O?;_\O+/SZ&"XS0;@`ZW-I7H>1C"XIDZ$M%Y0C
M;7Y,KB3SNZ%5*)=F$Q<%ON8^3\G3-,W6]]7_"O&]ETQ7@ZU'G4A5Y)\=T;66
M=256V,#\".'5UQD""&*9+F1WD]R(TLEIS$[#*&4V@.L$KO-@82[;+2@1X%J*
MQ2-J6T53LJ.'R8ZS%64AB#-S&3)9+UE.%4&:D2;A@4W%,?6-!964_3.A>WV=
MQ9EX)@6VIF%WYAH.UP<PK_W@6IGKKK.,&T4NUVI<F*L/QN1Y`O%6`"_+B,JV
M2A.^)?$FR?ZJH@IS+>4F,KLC`<'[+ZZ>_!X`"NP1!0IE;F1S=')E86T-96YD
M;V)J#3$P(#`@;V)J#3P\(`TO5'EP92`O4&%G92`-+U!A<F5N="`R,R`P(%(@
M#2]297-O=7)C97,@,3$@,"!2(`TO0V]N=&5N=',@,3(@,"!2(`TO365D:6%"
M;W@@6R`P(#`@-C$R(#<Y,B!=(`TO0W)O<$)O>"!;(#`@,"`V,3(@-SDR(%T@
M#2]2;W1A=&4@,"`-/CX@#65N9&]B:@TQ,2`P(&]B:@T\/"`-+U!R;V-3970@
M6R`O4$1&("]497AT(%T@#2]&;VYT(#P\("]45#(@,S$@,"!2("]45#0@,C@@
M,"!2("]45#8@,S0@,"!2(#X^(`TO17AT1U-T871E(#P\("]'4S$@,S@@,"!2
M(#X^(`TO0V]L;W)3<&%C92`\/"`O0W,U(#,S(#`@4B`^/B`-/CX@#65N9&]B
M:@TQ,B`P(&]B:@T\/"`O3&5N9W1H(#(R.3(@+T9I;'1E<B`O1FQA=&5$96-O
M9&4@/CX@#7-T<F5A;0T*2(F,5]MRXS82?==7X!%,633OE[S%MC*9/&RVUJKD
M86MKBR(AB2F%5/$R7N=#\KW;-X"2+<]DILH"@4:CT7WZ=.-AN[K?;B,5JNU^
M5?IEI@+X3X,\4G'AAVF9J^T?J_O',57U2,N!&NO5_:?G4!W&U3KP@R!*U;9>
MX2@LU/9E]6_];`9OG?F%_N*M"S_5;<V_1CUZZS#U8]UWDXA4'BC)M$A,L`Z3
M"GXB_9?:/'[RUKF;J+H&?T%<_0J#P(^TX>VBK.&O=O36,8J]>E$./R,KOX,]
M,2K[W,EQOO>?[<^KS7:5!WZ:J:3PDT(E:>07A0K0#X-9[5</VS?>2>/$CS/T
M4)2SAP)R`=Y>I][V=U0I0JPS]?/L6B-X/F//AZ$?)*2<1^#['*R/DB`DU>C8
M!/6O[1!]_$/WZH$K8JU>JO8+#\V@=G:V<NOG:ICLN-^K2NT&KT#IJO;`AZD^
MXC0.2WVQ:^A%:SNV7@YB?0=RM%--1[ND?CCP<##F#R^$RVK336H4@>I$6T^J
MZWEB4OW9&EOQ\1#S&+=9$T8ELA#4"-;5SE"8`@78"-,H4MLG]DJ^>"5GK]1]
M-TX>(H8V1WHVJ!60H:9>#M@9\,&+%^9H'P(FU.S`#!W8\VC/VZT;`7$]7SIC
MR(4:?,W?<I*I^*3Z^%:'W5A-8H'U+2$59A+=HG.OU+&OLTL+=H-<IGI_QM?L
M/%\HAM3[^.C]A9^3,'9^CA8_1^SGZ8B8B#&S\$*"@M"A($(4^$H)2L,%I2$Z
M661F+X2_XP015JROHQGU,O`G00-,O5B3@^#"#6XCI\>B:3KV8@9>-=?MG[QJ
M&AMZ:TT%>3B*\&GFWZF5B6[)A^EHU(-,5X-5T^_?`Y+<4Y:6"G&$CGKRUBD"
M#*@G`8L&H2"(#21[KNM)%GJ[,A+38?2%K*P$1-5M`_B2VDJ^K7KPL!MWWAK(
M2A\@_#2PLH-5^,KL!T24,!'!?8!$2V08#GQ0NL`'<I_4+]5#VS4M1`-#<_`H
M_AL/:#W7^[U!3H&XB>;,:09/A67J(%4LD)*BL44*+_&:Y!]RM&.A7.":(EQY
M@J#'E&9C924%CKF#8W%!2CF34@FD!/C9R1X`FH;JPA^=;%?S&9*CD@,;U<IH
M'BQ9.5)!H(@NXP6ZDPOL6SIJXFS.+1?D6`J!JH0`16@VHG_Z@.]<.,)(G/;H
MI7`Y`"CL'\X]$CO0P^05Z*>1D@0L\T*"181""/PSS=3X9^*L+)!^UV3R./-$
M71NR#\JGZ"6/1]H*5NRO8ID898.<=>#ECJP;+[9!)"H\_'0"E\IQF+)@!#J4
MY?`21]KJ3-N1W9W9DSER"LI9`<""07)LK6D0"T@3PD`IAK1<#`M]`_[`CV'J
M>"_(%OAG%OYAH)[-%^.5"*]JUWH9#$[T%PQ*D(5>OXG^17$HBC][80EDO&>.
MMG2>+AF08AWNKZ@)82-YD%H*3AWF,\+\M4S;B:Z*0WFB500_?#1WHKGEZ9,Y
M7`MSF4AM(5%SQ]^FV]N5FG"?VRT[UF3NU$0#C"?8I785BYTJ45$;JYP\D.BK
M#2ZC\7:\\_*.A"92QQ<Y_>UV86`UN>L#.G"1>,%P_65&`[A0+0KUG?!!AGQ`
MG<;[$GR[OHMS1SOHJK-4YA/I:>M*.HK3!;U<:)7J/XQ.63\HL:YEZP:RN>;;
MS'*Y<:HZ$9.>X$Y,ESL),V;,C`6V:\9V1-)$D%X1/XHA)R.W&V_W#4O;$%VX
M&RL18@,<+0XH,7`170+>'%K<4*(;)IKI/70OY+Y/G-'S\L2;B-ZXS[&C420Z
MV#=*O$J(5\T'#/5,=J!?>`FH[MMLL,`GR!T;A.HG+Y."C@59"F.B#^,W6>`]
M'J$&,N9S+3Y61]M7-C0MM2GCE$ZTU*1LZ3)=LF2."G)*$]%CVU6!T-ASS"70
M)XNV/6"+):"GMF#HVDO9KC:N(9+!(%ES!9MWXE0"&#I\68>[G;VVW$!@?0W&
M#EX3ZH/T%&!WI%8MK?!-1HB69U647#X@"F:Y$'YF+)-<I`MY!&&`8[NN..#0
MJQH6',X#%(>82@^D3/7!=NSO;-AB>4J!Z=3@QNX]5?)[ZC8X@R1QG6>0VLX3
M1P+.")J,N0/#BJ7]A]>@S>7$I>Y;E()JA])X06F\H)1#AT!R>(L<WF+"FPPK
MKCVO+((]E_F?J6?^G%QKCG306:%NELT[?)'M'1"YXN`VO$2D@3[P!/Z81EO`
MY&6;\,OVQ1H*C8%@_DB`2Q!PO&:D0#:&-[I[-$@?MU]%[UO8?F@/MH6L^"@L
M24"WNUDZ.V7G3TOJO-C&U1DX]8>EEYR.TDQ2!!U;7_2Q]9N>>*)YZFEY.%-3
M/;ET[2XSD46D[U;2DP)':]LZPQ!0/K+<,%],6V02'J,R=MP6+,X)"MOA8$'_
M!S2L@/K?Z#%28MN#8"1$E;*X>7Y6O_VT^=?FEQ_O*#W"I:D/75.?2U,/M;^D
M]G)G#(TZCP@$:@M58>927&AX`=^`1`[\`L0AO@#Q=Z+'1<B.1&2I1E9.=E/5
M].?)PX<*0,.ILL]$XK*A^0`P[[L^"/X3*$LTMVD#DUG.9!9IZKM3N)M+`4$V
M%`EUEJ9GF&RKB,$\7K5LHQ`J%@".;&R[/>FG.N[(^"ZDI9E/3N$\B3ZQI/U3
MM#5@TIZG6)V89?C<0<ZZ,AQ,OC*.5<I5Y<@[,D=5TH&J:GQ;8=#5S94>[A1O
M4#R_E(0.]ZTXDS,=$G%G&VOWOG@9.`YBDU5,IW0W.!CJ?)IE7\'\ICG`0Z\Z
MMZRJ(@2>U"<"$!80W<]G/+PDUOF5\&^&IAU?KW!XISY3E8%&V7]/V*F?!]F2
M>N5B1LEF/)"V0G^O_HO_[I]15Z;O\9JE?JY[7IXF]2S#<30=CW`#R)5)`A_7
MBNY'R"NGYJGJ(*W#`+$,]`9_VHKRM.1;1*0*E-TFC*59M-WBML5$BY%"$W3+
M]_3%5WC<_(*JJ-T3M78,UB11#+[[ROY_<ML'#.`5S)0HT?"=0ZZ-F;Y]`MF_
M_8ZM7HIC(,7QJ9KHI(1.PCV1_GD&P@W3._Z*0-:NL'?S.,DAMM_>JG"ONMC+
MUFRVJ_\/`-5;GK4*96YD<W1R96%M#65N9&]B:@TQ,R`P(&]B:@T\/"`-+T-O
M=6YT(#@@#2]&:7)S="`Q-"`P(%(@#2],87-T(#$U(#`@4B`-/CX@#65N9&]B
M:@TQ-"`P(&]B:@T\/"`-+U1I=&QE("A/4$52051)3TY3($%'4D5%345.5"D-
M+T1E<W0@6R`R-B`P(%(@+T9I=$(@72`-+U!A<F5N="`Q,R`P(%(@#2].97AT
M(#$U(#`@4B`-/CX@#65N9&]B:@TQ-2`P(&]B:@T\/"`-+U1I=&QE("A,051%
M4D%,($1224Q,24Y'(%-%4E9)0T4@4U1!3D1!4D0@04=2145-14Y47#`Q,T5$
M1T4@0T%0251!3"!'4D]54"!A;F0@5D5<#5)$25-94RP@24Y#+BD-+T1E<W0@
M6R`R-B`P(%(@+T9I=$(@72`-+U!A<F5N="`Q,R`P(%(@#2]0<F5V(#$T(#`@
M4B`-+T9I<G-T(#$V(#`@4B`-+TQA<W0@,38@,"!2(`TO0V]U;G0@-B`-/CX@
M#65N9&]B:@TQ-B`P(&]B:@T\/"`-+U1I=&QE("@I#2]$97-T(%L@-R`P(%(@
M+T9I=$(@72`-+U!A<F5N="`Q-2`P(%(@#2]&:7)S="`Q-R`P(%(@#2],87-T
M(#$W(#`@4B`-+T-O=6YT(#4@#3X^(`UE;F1O8FH-,3<@,"!O8FH-/#P@#2]4
M:71L92`H*0TO1&5S="!;(#<@,"!2("]&:71"(%T@#2]087)E;G0@,38@,"!2
M(`TO1FER<W0@,3@@,"!2(`TO3&%S="`Q."`P(%(@#2]#;W5N="`T(`T^/B`-
M96YD;V)J#3$X(#`@;V)J#3P\(`TO5&ET;&4@*"D-+T1E<W0@6R`W(#`@4B`O
M1FET0B!=(`TO4&%R96YT(#$W(#`@4B`-+T9I<G-T(#$Y(#`@4B`-+TQA<W0@
M,3D@,"!2(`TO0V]U;G0@,R`-/CX@#65N9&]B:@TQ.2`P(&]B:@T\/"`-+U1I
M=&QE("@I#2]$97-T(%L@-R`P(%(@+T9I=$(@72`-+U!A<F5N="`Q."`P(%(@
M#2]&:7)S="`R,"`P(%(@#2],87-T(#(P(#`@4B`-+T-O=6YT(#(@#3X^(`UE
M;F1O8FH-,C`@,"!O8FH-/#P@#2]4:71L92`H*0TO1&5S="!;(#<@,"!2("]&
M:71"(%T@#2]087)E;G0@,3D@,"!2(`TO1FER<W0@,C$@,"!2(`TO3&%S="`R
M,2`P(%(@#2]#;W5N="`Q(`T^/B`-96YD;V)J#3(Q(#`@;V)J#3P\(`TO5&ET
M;&4@*#(R,S0Y($QA(%!A;&UA($%V92X@4W5I=&4@1#$Q,"D-+T1E<W0@6R`W
M(#`@4B`O1FET0B!=(`TO4&%R96YT(#(P(#`@4B`-/CX@#65N9&]B:@TR,B`P
M(&]B:@T\/"`-+U!R;V1U8V5R("A!8W)O8F%T($1I<W1I;&QE<B`T+C`U(&9O
M<B!7:6YD;W=S*0TO0W)E871O<B`H36EC<F]S;V9T(%=O<F0@."XP*0TO36]D
M1&%T92`H1#HR,#`S,#@Q.3$V,C(Q,2TP-R<P,"<I#2]4:71L92`H34-(1"!0
M<F]P;W-A;"D-+T-R96%T:6]N1&%T92`H1#HR,#`S,#@Q.3$V,C(P.2D-/CX@
M#65N9&]B:@TR,R`P(&]B:@T\/"`-+U1Y<&4@+U!A9V5S(`TO2VED<R!;(#(V
M(#`@4B`Q(#`@4B`T(#`@4B`W(#`@4B`Q,"`P(%(@72`-+T-O=6YT(#4@#3X^
M(`UE;F1O8FH->')E9@TP(#(T(`TP,#`P,#`P,#`P(#8U-3,U(&8-"C`P,#`P
M,#<S-S(@,#`P,#`@;@T*,#`P,#`P-S4R,R`P,#`P,"!N#0HP,#`P,#`W-C@Q
M(#`P,#`P(&X-"C`P,#`P,3,R-#$@,#`P,#`@;@T*,#`P,#`Q,S,Y,B`P,#`P
M,"!N#0HP,#`P,#$S-34P(#`P,#`P(&X-"C`P,#`P,3<Y-S`@,#`P,#`@;@T*
M,#`P,#`Q.#$R,2`P,#`P,"!N#0HP,#`P,#$X,C<Y(#`P,#`P(&X-"C`P,#`P
M,C(R-SD@,#`P,#`@;@T*,#`P,#`R,C0S,R`P,#`P,"!N#0HP,#`P,#(R-3DR
M(#`P,#`P(&X-"C`P,#`P,C0Y-3D@,#`P,#`@;@T*,#`P,#`R-3`R,B`P,#`P
M,"!N#0HP,#`P,#(U,3,P(#`P,#`P(&X-"C`P,#`P,C4S-#,@,#`P,#`@;@T*
M,#`P,#`R-30U-2`P,#`P,"!N#0HP,#`P,#(U-38W(#`P,#`P(&X-"C`P,#`P
M,C4V-SD@,#`P,#`@;@T*,#`P,#`R-3<Y,2`P,#`P,"!N#0HP,#`P,#(U.3`S
M(#`P,#`P(&X-"C`P,#`P,C8P,#8@,#`P,#`@;@T*,#`P,#`R-C$Y."`P,#`P
M,"!N#0IT<F%I;&5R#3P\#2]3:7IE(#(T#2])1%L\8C@S9#@W96,U9#`T,3@Q
M869D-#`P,S5C,C-B,C`P-V(^/&(X,V0X-V5C-60P-#$X,6%F9#0P,#,U8S(S
@8C(P,#=B/ET-/CX-<W1A<G1X<F5F#3$W,PTE)45/1@T_
`
end

</PDF>Exhibit
10.1

 

 

 

AMENDED
AND RESTATED CREDIT AND SECURITY AGREEMENT

 

BY AND
BETWEEN

 

CIBER,
INC.

 

AND

 

WELLS
FARGO BANK, NATIONAL ASSOCIATION

 

 

August 15,
2003

 

 

 

TABLE OF
CONTENTS

 

	
  ARTICLE I DEFINITIONS

  
	
   

  	
   

  
	
   

  	
  Section 1.1

  	
  Definitions

  
	
   

  	
  Section 1.2

  	
  Other Definitional Terms; Rules of
  Interpretation

  
	
   

  	
   

  	
   

  
	
  ARTICLE II AMOUNT AND TERMS OF THE CREDIT
  FACILITY

  
	
   

  	
   

  	
   

  
	
   

  	
  Section 2.1

  	
  Revolving Advances

  
	
   

  	
  Section 2.2

  	
  Procedures for Requesting Advances

  
	
   

  	
  Section 2.3

  	
  LIBOR Rate Advances

  
	
   

  	
  Section 2.4

  	
  Increased Costs; Capital Adequacy; Funding
  Exceptions

  
	
   

  	
  Section 2.5

  	
  Letters of Credit

  
	
   

  	
  Section 2.6

  	
  Special Account

  
	
   

  	
  Section 2.7

  	
  Payment of Amounts Drawn Under Letters of
  Credit; Obligation of Reimbursement

  
	
   

  	
  Section 2.8

  	
  Obligations Absolute

  
	
   

  	
  Section 2.9

  	
  Interest; Margin; Default Interest;
  Participations; Usury

  
	
   

  	
  Section 2.10

  	
  Fees

  
	
   

  	
  Section 2.11

  	
  Time for Interest Payments; Payment on
  Non-Banking Days; Computation of Interest and Fees

  
	
   

  	
  Section 2.12

  	
  Payments

  
	
   

  	
  Section 2.13

  	
  Voluntary
  Prepayment; Reduction of the Maximum Line; Termination of the Credit Facility
  by the Borrower

  
	
   

  	
  Section 2.14

  	
  Mandatory Prepayment

  
	
   

  	
  Section 2.15

  	
  Revolving Advances to Pay Obligations

  
	
   

  	
  Section 2.16

  	
  Use of Proceeds

  
	
   

  	
  Section 2.17

  	
  Liability Records

  
	
   

  	
   

  	
   

  
	
  ARTICLE III SECURITY INTEREST; OCCUPANCY;
  SETOFF

  
	
   

  	
   

  	
   

  
	
   

  	
  Section 3.1

  	
  Grant of Security Interest

  
	
   

  	
  Section 3.2

  	
  Notification of Account Debtors and Other
  Obligors

  
	
   

  	
  Section 3.3

  	
  Assignment of Insurance

  
	
   

  	
  Section 3.4

  	
  License

  
	
   

  	
  Section 3.5

  	
  Financing Statement

  
	
   

  	
  Section 3.6

  	
  Setoff

  
	
   

  	
  Section 3.7

  	
  Collateral

  
	
   

  	
   

  	
   

  
	
  ARTICLE IV CONDITIONS OF LENDING

  
	
   

  	
   

  	
   

  
	
   

  	
  Section 4.1

  	
  Conditions Precedent to the Initial Advance
  and Letter of Credit

  
	
   

  	
  Section 4.2

  	
  Conditions Precedent to All Advances and
  Letters of Credit

  

 

2

 

	
  ARTICLE V REPRESENTATIONS AND WARRANTIES

  
	
   

  	
   

  	
   

  
	
   

  	
  Section 5.1

  	
  Existence and Power; Name; Chief Executive
  Office; Federal Employer Identification Number, and Organizational
  Identification Number

  
	
   

  	
  Section 5.2

  	
  Capitalization

  
	
   

  	
  Section 5.3

  	
  Authorization of Borrowing; No Conflict as
  to Law or Agreements

  
	
   

  	
  Section 5.4

  	
  Legal Agreements

  
	
   

  	
  Section 5.5

  	
  Subsidiaries and Affiliates

  
	
   

  	
  Section 5.6

  	
  Financial Condition; No Adverse Change

  
	
   

  	
  Section 5.7

  	
  Litigation

  
	
   

  	
  Section 5.8

  	
  Regulation U

  
	
   

  	
  Section 5.9

  	
  Taxes

  
	
   

  	
  Section 5.10

  	
  Titles
  and Liens

  
	
   

  	
  Section 5.11

  	
  Intellectual Property Rights

  
	
   

  	
  Section 5.12

  	
  Employees

  
	
   

  	
  Section 5.13

  	
  Plans

  
	
   

  	
  Section 5.14

  	
  Default

  
	
   

  	
  Section 5.15

  	
  Environmental Matters

  
	
   

  	
  Section 5.16

  	
  Submissions to Lender

  
	
   

  	
  Section 5.17

  	
  Financing Statements

  
	
   

  	
   

  	
   

  
	
  ARTICLE VI COVENANTS

  
	
   

  	
   

  	
   

  
	
   

  	
  Section 6.1

  	
  Reporting Requirements

  
	
   

  	
  Section 6.2

  	
  Financial Covenants

  
	
   

  	
  Section 6.3

  	
  Permitted Liens; Financing Statements

  
	
   

  	
  Section 6.4

  	
  Indebtedness

  
	
   

  	
  Section 6.5

  	
  Guaranties

  
	
   

  	
  Section 6.6

  	
  Investments and Subsidiaries

  
	
   

  	
  Section 6.7

  	
  Dividends and Distributions

  
	
   

  	
  Section 6.8

  	
  Books and Records; Inspection and
  Examination

  
	
   

  	
  Section 6.9

  	
  Account Verification

  
	
   

  	
  Section 6.10

  	
  Compliance with Laws

  
	
   

  	
  Section 6.11

  	
  Payment of Taxes and Other Claims

  
	
   

  	
  Section 6.12

  	
  Maintenance of Properties

  
	
   

  	
  Section 6.13

  	
  Eligible Accounts, Inventory and Equipment

  
	
   

  	
  Section 6.14

  	
  Insurance

  
	
   

  	
  Section 6.15

  	
  Preservation of Existence

  
	
   

  	
  Section 6.16

  	
  Delivery of Instruments, etc.

  
	
   

  	
  Section 6.17

  	
  Sale or Transfer of Assets; Suspension of
  Business Operations

  
	
   

  	
  Section 6.18

  	
  Consolidation and Merger; Asset
  Acquisitions

  
	
   

  	
  Section 6.19

  	
  Guarantees

  
	
   

  	
  Section 6.20

  	
  Sale and Leaseback

  

 

3

 

	
   

  	
  Section 6.21

  	
  Restrictions on Nature of Business

  
	
   

  	
  Section 6.22

  	
  Accounting

  
	
   

  	
  Section 6.23

  	
  Discounts, etc.

  
	
   

  	
  Section 6.24

  	
  Plans

  
	
   

  	
  Section 6.25

  	
  Place of Business; Name

  
	
   

  	
  Section 6.26

  	
  Transactions with Affiliates

  
	
   

  	
  Section 6.27

  	
  Constituent Documents

  
	
   

  	
  Section 6.28

  	
  Performance by the Lender

  
	
   

  	
   

  	
   

  
	
  ARTICLE VII EVENTS OF DEFAULT, RIGHTS AND
  REMEDIES

  
	
   

  	
   

  	
   

  
	
   

  	
  Section 7.1

  	
  Events of Default

  
	
   

  	
  Section 7.2

  	
  Rights and Remedies

  
	
   

  	
  Section 7.3

  	
  Certain Notices

  
	
   

  	
   

  	
   

  
	
  ARTICLE VIII MISCELLANEOUS

  
	
   

  	
   

  	
   

  
	
   

  	
  Section 8.1

  	
  No Waiver; Cumulative Remedies; Compliance
  with Laws

  
	
   

  	
  Section 8.2

  	
  Amendments, Etc.

  
	
   

  	
  Section 8.3

  	
  Addresses for Notices; Requests for
  Accounting

  
	
   

  	
  Section 8.4

  	
  Further Documents

  
	
   

  	
  Section 8.5

  	
  Costs and Expenses

  
	
   

  	
  Section 8.6

  	
  Indemnity

  
	
   

  	
  Section 8.7

  	
  Participants

  
	
   

  	
  Section 8.8

  	
  Execution in Counterparts; Telefacsimile
  Execution

  
	
   

  	
  Section 8.9

  	
  Retention of Borrower’s Records

  
	
   

  	
  Section 8.10

  	
  Binding Effect; Assignment; Complete
  Agreement; Exchanging Information

  
	
   

  	
  Section 8.11

  	
  Confidentiality of Information

  
	
   

  	
  Section 8.12

  	
  Severability of Provisions

  
	
   

  	
  Section 8.13

  	
  Headings

  
	
   

  	
  Section 8.14

  	
  Governing Law; Jurisdiction, Venue; Waiver
  of Jury Trial

  

 

4

 

AMENDED
AND RESTATED CREDIT AND SECURITY AGREEMENT

 

Dated as of
August 15, 2003

 

CIBER, INC., a Delaware corporation (the “Borrower”),
and WELLS FARGO BANK, NATIONAL ASSOCIATION (the “Lender”), hereby agree as
follows:

 

RECITALS

 

WHEREAS, the Borrower and
the Lender have entered into a Loan and Security Agreement dated as of
September 26, 2001, as amended by a First Modification to Loan and
Security Agreement dated as of December 31, 2001, a letter amendment to
the Loan and Security Agreement dated as of March 12, 2002, a Third
Amendment to Loan and Security Agreement dated as of May 6, 2002, a letter
amendment to the Loan and Security Agreement dated as of August 2, 2002,
an Amendment to Loan and Security Agreement dated as of November 8, 2002,
a Sixth Amendment to Loan and Security Agreement dated as of December 15,
2002 and a Seventh Amendment to Loan and Security Agreement dated as of
May 9, 2003 (as so amended, the “Former Credit Agreement”); and

 

WHEREAS the Borrower has
requested that the Former Credit Agreement be amended and restated, and the
Lender is willing to do so pursuant to the terms and conditions set forth herein.

 

NOW THEREFORE, in
consideration of the premises and the mutual promises herein contained, the
parties hereto agree that the Former Credit Agreement is hereby amended and
restated to read in their entirety as follows:

 

ARTICLE
I

 

DEFINITIONS

 

Section 1.1                                      Definitions.  For all purposes of this Agreement, except
as otherwise expressly provided, the following terms shall have the meanings
assigned to them in this Section or in the Section referenced after
such term:

 

“Accounts” means all of the Borrower’s accounts, as
such term is defined in the UCC, including each and every right of the Borrower
to the payment of money, whether such right to payment now exists or hereafter
arises, whether such right to payment arises out of a sale, lease or other
disposition of goods or other property, out of a rendering of services, out of
a loan, out of the overpayment of taxes or other liabilities, or otherwise
arises under any contract or agreement, whether such right to payment is
created, generated or earned by the Borrower or by some other person who
subsequently transfers such person’s interest to the Borrower, whether such
right to payment is or is not already earned by performance, and howsoever such
right to payment may be evidenced, together with all other rights and interests
(including all Liens) which the Borrower

 

5

 

may at any time have by law or agreement against any account debtor or
other obligor obligated to make any such payment or against any property of such
account debtor or other obligor; all including but not limited to all present
and future accounts, contract rights, loans and obligations receivable, chattel
papers, bonds, notes and other debt instruments, tax refunds and rights to
payment in the nature of general intangibles.

 

“Advance” means a Revolving Advance.

 

“Affiliate” or “Affiliates” means DigiTerra, Inc.,
CIBER Associates, Inc., CIBER International, Inc. and any other Person
controlled by, controlling or under common control with the Borrower, including
any Subsidiary of the Borrower.  For
purposes of this definition, “control,” when used with respect to any specified
Person, means the power to direct the management and policies of such Person,
directly or indirectly, whether through the ownership of voting securities, by
contract or otherwise.

 

“Agreement” means this Amended and Restated Credit and
Security Agreement.

 

“Applicable Unused Line Rate” has the meaning
specified in Section 2.10(a).

 

“Availability” means the difference of (i) the Maximum
Line and (ii) the sum of (A) the outstanding principal balance of the
Revolving Note and (B) the L/C Amount.

 

“Banking Day” means a day on which the Federal Reserve
Bank of New York is open for business
and, if such day relates to a LIBOR Rate Advance, a day on which dealings are
carried on in the London interbank eurodollar market.

 

“Base Rate” means the rate of interest publicly
announced from time to time by Wells Fargo Bank National Association at its
principal office in San Francisco as its “prime rate”, with the understanding
that the “prime rate” is one of Wells Fargo’s base rates (not necessarily the
lowest of such rates) and serves as the basis upon which effective rates of
interest are calculated for loans making reference thereto.

 

“Book Net Worth” means the
aggregate of the common and preferred shareholders’ equity in the Borrower,
determined in accordance with GAAP.

 

“Capital Adequacy Rule” has the meaning specified in
Section 2.4(a)(i).

 

“Capital Expenditures” means for a period, any expenditure
of money during such period for capital leases or the purchase or other
acquisition of any capital asset.

 

“Collateral” means all of the Borrower’s Accounts,
chattel paper, deposit accounts, documents, Equipment, General Intangibles,
goods, instruments, Inventory, Investment Property, letter-of-credit rights,
letters of credit, all sums on deposit in any deposit account, and any items in
any lockbox; together with (i) all substitutions and replacements for and
products of any of the foregoing; (ii) in the case of all goods, all
accessions; (iii) all accessories, attachments, parts, equipment and
repairs now or hereafter attached or affixed to or used in connection with any
goods; (iv) all collateral subject to the Lien of any Security Document;
(v) any money, or other

 

6

 

assets of the Borrower that now or hereafter come into the possession,
custody, or control of the Lender; (vi) all sums on deposit in the Special
Account; (vii) proceeds of any and all of the foregoing; and (viii) all of
the foregoing, whether now owned or existing or hereafter acquired or arising
or in which the Borrower now has or hereafter acquires any rights.

 

“Commitment” means the Lender’s commitment to make
Advances to, and to cause the Issuer to issue Letters of Credit for the account
of, the Borrower pursuant to Article II.

 

“Constituent Documents” means with respect to any
Person, as applicable, such Person’s certificate of incorporation, articles of
incorporation, by-laws, certificate of formation, articles of organization,
limited liability company agreement, management agreement, operating agreement,
shareholder agreement, partnership agreement or similar document or agreement
governing such Person’s existence, organization or management or concerning
disposition of ownership interests of such Person or voting rights among such
Person’s owners.

 

“Credit Facility” means the credit facility being made
available to the Borrower by the Lender under Article II.

 

“Default” means an event that, with giving of notice
or passage of time or both, would constitute an Event of Default.

 

“Default Period” means any period of time beginning on
the day a Default or Event of Default occurs and ending on the date the Lender
notifies the Borrower in writing that such Default or Event of Default has been
cured or waived.

 

“Default Rate” means an annual interest rate equal to
three percent (3%) over the Floating Rate, which interest rate shall change
when and as the Floating Rate changes.

 

“Director” means a director if the Borrower is a
corporation, a governor or manager if the Borrower is a limited liability
company, or a general partner if the Borrower is a partnership.

 

“EBITDA” means for a period, the sum of (i) pretax
earnings from continuing operations, (ii) Interest Expense and (iii)
depreciation and amortization of tangible and intangible assets, before
(a) extraordinary gains and losses or gains and losses from the cumulative
effect of a change in accounting principles and (b) minority interests, in
each case for such period, computed and calculated in accordance with GAAP.

 

“EBITDAR” means for a period, the sum of (i) pretax
earnings from continuing operations, (ii) Interest Expense, (iii)
depreciation and amortization of tangible and intangible assets, and (iv) Lease
Expense, before (a) extraordinary gains and losses or gains and losses
from the cumulative effect of a change in accounting principles and
(b) minority interests, in each case for such period, computed and
calculated in accordance with GAAP.

 

“ERISA” means the Employee Retirement Income Security
Act of 1974.

 

“ERISA Affiliate” means any trade or business (whether
or not incorporated) that is a member of a group which includes the Borrower
and which is treated as a single employer under

 

7

 

Section 414 of the IRC.

 

“Environmental Law” means any federal, state, local or
other governmental statute, regulation, law or ordinance dealing with the
protection of human health and the environment.

 

“Equipment” means all of the Borrower’s equipment, as
such term is defined in the UCC, whether now owned or hereafter acquired,
including but not limited to all present and future machinery, vehicles,
furniture, fixtures, manufacturing equipment, shop equipment, office and
recordkeeping equipment, parts, tools, supplies, and including specifically the
goods described in any equipment schedule or list herewith or hereafter
furnished to the Lender by the Borrower.

 

“Eurodollar Rule” has the meaning specified in
Section 2.4(a)(ii).

 

“Event of Default” has the meaning specified in
Section 7.1.

 

“Financial Covenants” means the covenants set forth in
Section 6.2.

 

“Floating Rate” means an annual interest rate equal to
the sum of the Base Rate plus the applicable Margin, which interest rate shall
change when and as the Base Rate changes.

 

“Floating Rate Advance” means an Advance bearing
interest at the Floating Rate.

 

“Funding Date” has the meaning specified in
Section 2.1.

 

“GAAP” means generally accepted accounting principles,
applied on a basis consistent with the accounting practices.

 

“General Intangibles” means all of the Borrower’s
general intangibles, as such term is defined in the UCC, whether now owned or
hereafter acquired, including all present and future Intellectual Property
Rights, customer or supplier lists and contracts, manuals, operating
instructions, permits, franchises, the right to use the Borrower’s name, and
the goodwill of the Borrower’s business.

 

“Guarantor(s)” means DigiTerra, Inc., CIBER
Associates, Inc., CIBER International, Inc., each other domestic Subsidiary of
the Borrower, and any other Person now or hereafter guarantying the
Obligations.

 

“Hazardous Substances” means pollutants, contaminants,
hazardous substances, hazardous wastes, petroleum and fractions thereof, and
all other chemicals, wastes, substances and materials listed in, regulated by
or identified in any Environmental Law.

 

“IBM Facility” means that certain Agreement for
Wholesale Financing dated September 24, 2001 by and between IBM Credit
Corporation and DigiTerra, Inc.

 

“IRC” means the Internal Revenue Code of 1986.

 

“Infringement” or “Infringing” when used with respect
to Intellectual Property Rights means any infringement or other violation of
Intellectual Property Rights.

 

8

 

“Intangible Assets” means all intangible assets as
determined in accordance with GAAP.

 

“Intellectual Property Rights” means all actual or
prospective rights arising in connection with any intellectual property or
other proprietary rights, including all rights arising in connection with
copyrights, patents, service marks, trade dress, trade secrets, trademarks,
trade names or mask works.

 

“Interest Expense” means for a fiscal year-to-date
period, the Borrower’s total gross interest expense during such period
(excluding interest income), and shall in any event include (i) interest
expensed (whether or not paid) on all Liabilities, (ii) the amortization
of debt discounts, (iii) the amortization of all fees payable in
connection with the incurrence of Liabilities to the extent included in
interest expense, and (iv) the portion of any capitalized lease obligation
allocable to interest expense.

 

“Interest Period” means relative to any LIBOR Rate
Advance, the period beginning on (and including) the date on which such LIBOR
Rate Advance is made, or continued as, or converted into, a LIBOR Rate Advance
pursuant to Section 2.2(a), Section 2.3(a) or Section 2.3(b) and
shall end on (but exclude) the day which numerically corresponds to such date
one (1), two (2), three (3), or six (6) months thereafter (or, if such month
has no numerically corresponding day, on the last Banking Day of such month),
as the Borrower may select in its relevant notice pursuant to Section 2.2(a),
Section 2.3(a) or Section 2.3(b); provided, however,
that:

 

(a)           no
more than three (3)  different
Interest Periods may be outstanding at any one time;

 

(b)           if
an Interest Period would otherwise end on a day which is not a Banking Day,
such Interest Period shall end on the next following Banking Day (unless such
next following Banking Day is the first Banking Day of a month, in which case
such Interest Period shall end on the next preceding Banking Day);

 

(c)           no
Interest Period applicable to an Advance may end later than the Maturity Date;
and

 

(d)           in
no event shall the Borrower select Interest Periods with respect to Advances
which, in the aggregate, would require payment of funding losses under
Section 2.3(d) in order to make required principal payments.

 

“Inventory” means all of the Borrower’s inventory, as
such term is defined in the UCC, whether now owned or hereafter acquired,
whether consisting of whole goods, spare parts or components, supplies or
materials, whether acquired, held or furnished for sale, for lease or under
service contracts or for manufacture or processing, and wherever located.

 

“Investment Property” means all of the Borrower’s
investment property, as such term is defined in the UCC, whether now owned or
hereafter acquired, including but not limited to all securities, security
entitlements, securities accounts, commodity contracts, commodity accounts,
stocks, bonds, mutual fund shares, money market shares and U.S. Government
securities.

 

“Issuer” means the issuer of any Letter of Credit.

 

9

 

“L/C Amount” means the sum of (i) the aggregate
face amount of any issued and outstanding Letters of Credit and (ii) the
unpaid amount of the Obligation of Reimbursement.

 

“L/C Application” means an application and agreement
for letters of credit in a form acceptable to the Issuer and the Lender.

 

“L/C Rule” has the meaning specified in
Section 2.4(a)(iii).

 

“LIBOR Base Rate” means with respect to an Interest
Period, the rate per annum equal to the rate (rounded up to the nearest
one-sixteenth of one percent (1/16%)) determined by the Lender in accordance
with Section 2.3(c) to be a rate at which United States Dollar deposits
are offered to major banks in the London interbank eurodollar market for funds
to be made available on the first day of such Interest Period and maturing at
the end of such Interest Period.

 

“LIBOR Rate” means with respect to an Interest Period,
the rate obtained by adding (a) the applicable Margin to (b) the rate obtained
by dividing (i) the applicable LIBOR Base Rate by (ii) a percentage equal to
one (1.00) minus the applicable percentage (expressed as a decimal)
prescribed by the Board of Governors of the Federal Reserve System (or any
successor thereto) for determining the maximum reserve requirements applicable
to eurodollar fundings (currently referred to as “Eurocurrency Liabilities” in
Regulation D) or any other maximum reserve requirements applicable to a member
bank of the Federal Reserve System with respect to LIBOR Rate Advances.

 

“LIBOR Rate Advance” means any Advance which bears
interest at a rate determined by reference to a LIBOR Rate.

 

“Lease Expense” means, for
any period, the sum of (i) total office space lease expense and (ii) total
lease expense under all operating and capitalized leases of the Borrower and
its Subsidiaries, on a consolidated basis, determined in accordance with GAAP.

 

“Letter of Credit” has the meaning specified in
Section 2.5.

 

“Liabilities” means, with respect to a Person as of a
given date, all items of indebtedness or liability which in accordance with
GAAP would be included in determining total liabilities as shown on the
liabilities side of a balance sheet for such Person and shall also include the
aggregate payments required to be made by such Person at any time under any
lease that is considered a capitalized lease under GAAP.

 

“Licensed Intellectual Property” has the meaning
specified in Section 5.11(c).

 

“Lien” means any security interest, mortgage, deed of
trust, pledge, lien, charge, encumbrance, title retention agreement or
analogous instrument or device, including the interest of each lessor under any
capitalized lease and the interest of any bondsman under any payment or
performance bond, in, of or on any assets or properties of a Person, whether
now owned or hereafter acquired and whether arising by agreement or operation
of law.

 

“Loan Documents” means this Agreement, the Notes, the
Security Documents, each L/C

 

10

 

Application and each other agreement, note, notice, document, contract
or instrument to which Borrower now or hereafter is a party and that is
required by Lender.

 

“Margin” means an amount determined pursuant to
Section 2.9(b) that is added to other amounts to determine the Floating
Rate and the LIBOR Rate.

 

“Material Adverse Effect” means any of the following:

 

(i)                                     a
material adverse effect on the business, operations, results of operations,
assets, liabilities or financial condition of the Borrower;

 

(ii)                                  a
material adverse effect on the ability of the Borrower to perform its
obligations under the Loan Documents;

 

(iii)                               a
material adverse effect on the ability of the Lender to enforce the Obligations
or to realize the intended benefits of the Security Documents, including a
material adverse effect on the validity or enforceability of any Loan Document
or of any rights against any Guarantor, or on the status, existence,
perfection, priority (subject to Permitted Liens) or enforceability of any Lien
securing payment or performance of the Obligations; or

 

(iv)                              any
claim against the Borrower or threat of litigation which would reasonably be
expected to cause the Borrower to be liable to pay an amount exceeding
$10,000,000 or would reasonably be expected to result in an event described in
clauses (i), (ii) and (iii) above.

 

“Maturity Date” means August 15, 2006.

 

“Maximum Line” means $60,000,000 unless said amount is
reduced pursuant to Section 2.13, in which event it means such lower
amount.

 

“Multiemployer Plan” means a multiemployer plan (as
defined in Section 4001(a)(3) of ERISA) to which the Borrower or any ERISA
Affiliate contributes or is obligated to contribute.

 

“Note” means the Revolving Note.

 

“Obligation of Reimbursement” has the meaning
specified in Section 2.7(a).

 

“Obligations” means the Note, the Obligation of
Reimbursement and each and every other debt, liability and obligation of every
type and description which the Borrower may now or at any time hereafter owe to
the Lender, whether such debt, liability or obligation now exists or is
hereafter created or incurred, whether it arises in a transaction involving the
Lender alone or in a transaction involving other creditors of the Borrower, and
whether it is direct or indirect, due or to become due, absolute or contingent,
primary or secondary, liquidated or unliquidated, or sole, joint, several or
joint and several, and including all indebtedness of the Borrower arising under
any Loan Document or guaranty between the Borrower and the Lender, whether now
in effect or hereafter entered into.

 

11

 

“Officer” means with respect to the Borrower, an
officer if the Borrower is a corporation, a manager if the Borrower is a
limited liability company, or a partner if the Borrower is a partnership.

 

“Owned Intellectual Property” has the meaning
specified in Section 5.11(a).

 

“Owner” means with respect to the Borrower, each
Person having legal or beneficial title to an ownership interest in the
Borrower or a right to acquire such an interest.

 

“Patent and Trademark Security Agreement” means the
Patent and Trademark Security Agreement by the Borrower in favor of the Lender
of even date herewith.

 

“Pension Plan” means a pension plan (as defined in
Section 3(2) of ERISA) maintained for employees of the Borrower or any
ERISA Affiliate and covered by Title IV of ERISA.

 

“Permitted Lien” has the meaning specified in
Section 6.3(a).

 

“Person” means any individual, corporation,
partnership, joint venture, limited liability company, association, joint-stock
company, trust, unincorporated organization or government or any agency or
political subdivision thereof.

 

“Plan” means an employee benefit plan (as defined in
Section 3(3) of ERISA) maintained for employees of the Borrower or any
ERISA Affiliate.

 

“Premises” means all premises where the Borrower
conducts its business and has any rights of possession.

 

“Pricing Ratio” means, for any period of four
consecutive fiscal quarters, the ratio of the Borrower’s Total Funded
Indebtedness as of the last day of such period divided by the Borrower’s EBITDA
for the four fiscal quarters then ended.

 

“Related Documents” has the meaning specified in
Section 2.8.

 

“Related Lender” has the meaning specified in
Section 2.4(a)(iv).

 

“Reportable Event” means a reportable event (as
defined in Section 4043 of ERISA), other than an event for which the
30-day notice requirement under ERISA has been waived in regulations issued by
the Pension Benefit Guaranty Corporation.

 

“Return” has the meaning specified in Section 2.4(a)(v).

 

“Revolving Advance” has the meaning specified in
Section 2.1.

 

“Revolving Note” means the Borrower’s revolving
promissory note, payable to the order of the Lender in substantially the form
of Exhibit A hereto.

 

“Rule Change” has the meaning specified in
Section 2.4(a)(vi).

 

12

 

“Security Documents” means this Agreement, the Patent
and Trademark Security Agreement, and any other document delivered to the
Lender from time to time to secure the Obligations.

 

“Security Interest” has the meaning specified in
Section 3.1.

 

“Special Account” means a specified cash collateral
account maintained by a financial institution acceptable to the Lender in
connection with Letters of Credit, as contemplated by Section 2.6.

 

“Subordination Agreement” means any subordination
agreement accepted by the Lender from time to time.

 

“Subsidiary” means any corporation or other entity of
which Equity Interests having ordinary voting power for the election of a
majority of the board of directors or other Persons performing similar
functions are directly or indirectly owned by the Borrower, by the Borrower and
one or more other Subsidiaries, or by one or more other Subsidiaries.  For purposes of this definition, “Equity Interests”
means all shares, interests or other equivalents, however designated, of or in
a corporation, partnership, limited liability company or other entity, whether
or not voting, including but not limited to common stock, member interests and
partnership interests.

 

“Tangible Net Worth” means the difference between (i)
Book Net Worth and (ii) Intangible Assets.

 

“Termination Date” means the earliest of (i) the
Maturity Date, (ii) the date the Borrower terminates the Credit Facility, or
(iii) the date the Lender demands payment of the Obligations after an Event of
Default pursuant to Section 7.2.

 

“Total Funded Indebtedness” means the sum of (i) all
Liabilities of the Borrower and each Subsidiary for borrowed money, including
all Advances and subordinated indebtedness for borrowed money, but excluding
the IBM Facility, (ii) the aggregate payments required to be made by the
Borrower and each Subsidiary at any time under any lease that is considered a
capitalized lease under GAAP, and (iii) the L/C Amount.

 

“UCC” means the Uniform Commercial Code as in effect
in the state designated in Section 8.14 as the state whose laws shall
govern this Agreement, or in any other state whose laws are held to govern this
Agreement or any portion hereof.

 

“Unused Amount” has the meaning specified in
Section 2.10(a).

 

“4-Way Sweep Product” means the 4-Way Sweep Product
offered by the Lender, as the same may be amended or modified and in effect
from time to time in accordance with the terms thereof.

 

13

 

Section 1.2                                      Other
Definitional Terms; Rules of Interpretation.  The words “hereof”, “herein” and “hereunder” and words of similar
import when used in this Agreement shall refer to this Agreement as a whole and
not to any particular provision of this Agreement.  All accounting terms not otherwise defined herein have the
meanings assigned to them in accordance with GAAP.  All terms defined in the UCC and not otherwise defined herein
have the meanings assigned to them in the UCC. 
References to Articles, Sections, subsections, Exhibits, Schedules and
the like, are to Articles, Sections and subsections of, or Exhibits or
Schedules attached to, this Agreement unless otherwise expressly provided.  The words “include”, “includes” and “including”
shall be deemed to be followed by the phrase “without limitation”.  Unless the context in which used herein
otherwise clearly requires, “or” has the inclusive meaning represented by the
phrase “and/or”.  Defined terms include
in the singular number the plural and in the plural number the singular.  Reference to any agreement (including the
Loan Documents), document or instrument means such agreement, document or
instrument as amended or modified and in effect from time to time in accordance
with the terms thereof (and, if applicable, in accordance with the terms hereof
and the other Loan Documents), except where otherwise explicitly provided, and
reference to any promissory note includes any promissory note which is an
extension or renewal thereof or a substitute or replacement therefor.  Reference to any law, rule, regulation,
order, decree, requirement, policy, guideline, directive or interpretation
means as amended, modified, codified, replaced or reenacted, in whole or in
part, and in effect on the determination date, including rules and regulations
promulgated thereunder.

 

ARTICLE
II

 

AMOUNT AND TERMS
OF THE CREDIT FACILITY

 

Section 2.1                                      Revolving
Advances.  The Lender agrees, on the
terms and subject to the conditions herein set forth, to make advances to the
Borrower from time to time from the date all of the conditions set forth in
Section 4.1 are satisfied (the “Funding Date”) to the Termination Date
(the “Revolving Advances”).  The Lender
shall have no obligation to make a Revolving Advance to the extent the amount
of the requested Revolving Advance exceeds Availability.  The Borrower’s obligation to pay the
Revolving Advances shall be evidenced by the Revolving Note and shall be
secured by the Collateral.  Within the
limits set forth in this Section 2.1, the Borrower may borrow, prepay
pursuant to Section 2.13 and reborrow.

 

Section 2.2                                      Procedures
for Requesting Advances.  The
Borrower shall comply with the following procedures in requesting Revolving
Advances:

 

(a)                                  Type of Advances.  Each Advance shall be funded as a Floating Rate Advance, unless
the Borrower requests a LIBOR Rate Advance, as the Borrower shall specify in
the related notice of borrowing or notice of conversion pursuant to this
Section 2.2(a) or Section 2.3(a), provided that during Default
Periods, no LIBOR Rate Advances shall be made. 
Floating Rate Advances and LIBOR Rate Advances may be outstanding at the
same time.  Each request for a LIBOR
Rate Advance shall be in an amount equal to $1,000,000 or a higher integral
multiple of $500,000.

 

14

 

(b)                                 Time for Requests. 
Floating Rate Advances may be made automatically to the Borrower in
compliance with the 4-Way Sweep Product. 
With respect to Advances not made pursuant to the 4-Way Sweep Product,
the Borrower shall request each Advance not later than 10:00 a.m., Denver,
Colorado time, on the Banking Day which,
in the case of a Floating Rate Advance, is the date the Advance is to be made,
and in the case of a LIBOR Rate Advance, is at least three (3) Banking Days
before the date the Advance is to be made.  Each such request shall be effective upon receipt by the Lender,
shall be in writing or by telephone or telecopy transmission, to be confirmed
in writing by the Borrower if so requested by the Lender (in the form of
Exhibit E),  shall be by
(i) an Officer of the Borrower; or (ii) a person designated as the
Borrower’s agent by an Officer of the Borrower in a writing delivered to the
Lender; or (iii) a person whom the Lender reasonably believes to be an
Officer of the Borrower or such a designated agent, and shall specify whether the Advance shall be a LIBOR Rate Advance
and, if so, shall specify the Interest Period to be applicable thereto.  The Borrower shall repay all Advances,
including all Advances made pursuant to the 4-Way Sweep Product and all
Advances requested hereunder, even if the Lender does not receive such
confirmation and even if the person requesting an Advance was not in fact
authorized to do so.  Any Advance made
pursuant to the 4-Way Sweep Product and any request for an Advance hereunder,
whether written or telephonic, shall be deemed to be a representation by the
Borrower that the conditions set forth in Section 4.2 have been satisfied
as of the time of such Advance or such request.

 

(c)                                  Disbursement.  Upon fulfillment of the applicable
conditions set forth in Article IV, the Lender shall disburse the proceeds
of an Advance under the 4-Way Sweep Product or a requested Advance by crediting
the same to the Borrower’s demand deposit account maintained with the Lender
unless the Lender and the Borrower shall agree in writing to another manner of
disbursement.

 

Section 2.3                                      LIBOR
Rate Advances.

 

(a)                                  Converting Floating Rate Advances to LIBOR Rate
Advances; Procedures.  So
long as no Default Period exists, the Borrower may convert all or any part of
any outstanding Floating Rate Advance into a LIBOR Rate Advance by giving
notice to the Lender of such conversion not later than 10:00 a.m., Denver,
Colorado time, on a Banking Day which is at least three (3) Banking Days prior
to the date of the requested conversion. 
Each such notice shall be effective upon receipt by the Lender, shall be
in writing or by telephone or telecopy transmission, to be confirmed in writing
by the Borrower if so requested by the Lender (in the form of Exhibit D), shall
be by (i) an Officer of the Borrower; or (ii) a person designated as
the Borrower’s agent by an Officer of the Borrower in a writing delivered to
the Lender; or (iii) a person whom the Lender reasonably believes to be an
Officer of the Borrower or such a designated agent, and shall specify the date
and amount of such conversion, the total amount of the Floating Rate Advance to
be so converted and the applicable Interest Period.  Each such conversion shall occur on a Banking Day, and the
aggregate amount of Floating Rate Advances converted to LIBOR Rate Advances
shall equal $1,000,000 or a higher integral multiple of $500,000.

 

(b)                                 Procedures at End of an Interest Period.  Unless the Borrower requests a new LIBOR
Rate

 

15

 

Advance
in accordance with the procedures set forth below, or prepays the principal of
an outstanding LIBOR Rate Advance at the expiration of an Interest Period, the
Lender shall automatically and without request of the Borrower convert each
LIBOR Rate Advance to a Floating Rate Advance on the last day of the relevant
Interest Period.  So long as no Default
Period exists, the Borrower may cause all or any part of any outstanding LIBOR Rate
Advance to continue to bear interest at a LIBOR Rate after the end of the then
applicable Interest Period by notifying the Lender not later than 11:00 a.m.,
Denver, Colorado time, on a Banking Day which is at least three (3) Banking
Days prior to the first day of the new Interest Period.  Each such notice shall be in writing (in the
form of Exhibit E) or by telephone or telecopy transmission, to be confirmed in
writing by the Borrower if the Lender so requests, shall be effective when
received by the Lender, shall be by (i) an Officer of the Borrower; or
(ii) a person designated as the Borrower’s agent by an Officer of the
Borrower in a writing delivered to the Lender; or (iii) a person whom the
Lender reasonably believes to be an Officer of the Borrower or such a
designated agent, and shall specify the first day of the applicable Interest
Period, the amount of the expiring LIBOR Rate Advance to be continued and the
applicable Interest Period.  Each new
Interest Period shall begin on a Banking Day and the amount of each Advance
bearing a new LIBOR Rate shall be equal to $1,000,000 or a higher integral
multiple of $500,000.

 

(c)                                  Setting and Notice of Rates.  The Lender shall determine the applicable
LIBOR Rate for each Interest Period between the opening of business and 1:00
p.m., Denver, Colorado time, on the second Banking Day preceding the beginning
of such Interest Period, and shall notify the Borrower thereof by telephone or
in writing.  Each such determination of
the applicable LIBOR Rate shall be conclusive and binding upon the parties
hereto, in the absence of demonstrable error. 
The Lender, upon written request of the Borrower, shall deliver to the
Borrower a statement showing the computations used by the Lender in determining
the applicable LIBOR Rate.

 

(d)                                 Funding Losses.  The Borrower shall, upon demand by the Lender (which demand shall
be accompanied by a statement setting forth the basis for the calculations of
the amount being claimed), indemnify the Lender against any loss or expense
which the Lender may have sustained or incurred (including any net loss or
expense incurred by reason of the liquidation or reemployment of deposits or
other funds acquired by the Lender to fund or maintain LIBOR Rate Advances) or
which the Lender may be deemed to have sustained or incurred, as reasonably
determined by the Lender, due to (i) the Borrower’s failure to make when
due any payment in connection with any LIBOR Rate Advances, (ii) the
Borrower’s failure to borrow or convert any LIBOR Rate Advances on a date
specified therefor in a notice thereof or (iii) any payment or prepayment
of any LIBOR Rate Advance on a date other than the last day of the applicable
Interest Period.  For this purpose, all
notices under Section 2.2(a), Section 2.3(a) or Section 2.3(b)
shall be deemed to be irrevocable.

 

(e)                                  Right of Lender to Fund through Other Offices.  The Lender may fulfill its agreements
hereunder with respect to any LIBOR Rate Advance by causing a foreign branch or
affiliate of the Lender to make such LIBOR Rate Advance; provided, that
in such event the obligation of the Borrower to repay such LIBOR Rate Advance
shall nevertheless be to the Lender and such LIBOR Rate Advance shall be deemed
held by the Lender for the account of such branch or affiliate.

 

16

 

(f)                                    Discretion of Lender as to Manner of Funding.  Notwithstanding any provision of this
Agreement to the contrary, the Lender may fund and maintain all or any part of
its LIBOR Rate Advances in any manner it deems fit, it being understood,
however, that for the purposes of this Agreement (specifically including
Section 2.3(d)) all determinations hereunder shall be made as if the
Lender had actually funded and maintained each LIBOR Rate Advance during each Interest
Period for such LIBOR Rate Advance through the purchase of deposits having a
maturity corresponding to such Interest Period and bearing an interest rate
equal to the appropriate LIBOR Rate for such Interest Period.

 

Section 2.4                                      Increased
Costs; Capital Adequacy; Funding Exceptions.

 

(a)                                  Increased Costs; Capital Adequacy.  If the Lender determines at any time that
its Return has been reduced as a result of any Rule Change, the Lender may so
notify the Borrower and require the Borrower, beginning fifteen (15) days after
such notice, to pay it the amount necessary to restore its Return to what it
would have been had there been no Rule Change. 
For purposes of this Section 2.4:

 

(i)                                     “Capital
Adequacy Rule” means any law, rule, regulation, guideline, directive,
requirement or request regarding capital adequacy, or the interpretation or
administration thereof by any governmental or regulatory authority, central
bank or comparable agency, whether or not having the force of law, that applies
to any Related Lender, including rules requiring financial institutions to
maintain total capital in amounts based upon percentages of outstanding loans,
binding loan commitments and letters of credit.

 

(ii)                                  “Eurodollar
Rule” means Regulation D of the Board of Governors of the Federal Reserve
System and any law, rule, regulation, guideline, directive, requirement or
request regarding (A) taxes, duties or other charges, exemptions with
respect to LIBOR Rate Advances or the Lender’s obligation to make LIBOR Rate
Advances, and (B) reserves imposed by the Board of Governors of the
Federal Reserve System (but excluding any reserve included in the determination
of the LIBOR Rate), special deposits or similar requirements against assets of,
deposits with or for the account of, or credit extended by, any Related Lender,
and any other condition affecting the Lender’s making, maintaining or funding
of LIBOR Rate Advances or its obligation to make LIBOR Rate Advances, or the
interpretation or administration thereof by any governmental or regulatory
authority, central bank or comparable agency, whether or not having the force
of law, that applies to any Related Lender.

 

(iii)                               “L/C
Rule” means any law, rule, regulation, guideline, directive, requirement or
request regarding letters of credit, or the interpretation or administration
thereof by any governmental or regulatory authority, central bank or comparable
agency, whether or not having the force of law, that applies to any Related
Lender, including those that impose taxes, duties or other similar charges, or
mandate reserves, special deposits or similar requirements against assets of,
deposits with or for the account of, or credit extended by any Related Lender,
on letters of credit.

 

(iv)                              “Related
Lender” includes (but is not limited to) the Lender, any parent of the Lender,
any

 

17

 

assignee of any interest of the Lender hereunder and
any participant in the Credit Facility.

 

(v)                                 “Return”,
for any period, means the percentage determined by dividing (i) the sum of
interest and ongoing fees earned by the Lender under this Agreement during such
period, by (ii) the average capital the Lender is required to maintain during
such period as a result of its being a party to this Agreement, as determined by
the Lender based upon its total capital requirements and a reasonable
attribution formula that takes account of the Capital Adequacy Rules,
Eurodollar Rules and L/C Rules then in effect, costs of issuing or maintaining
any Advance or Letter of Credit and amounts received or receivable under this
Agreement or the Notes with respect to any Advance or Letter of Credit.  Return may be calculated for each calendar
quarter and for the shorter period between the end of a calendar quarter and
the date of termination in whole of this Agreement.

 

(vi)                              “Rule
Change” means any change in any Capital Adequacy Rule, Eurodollar Rule, or L/C
Rule occurring after the date of this Agreement, or any change in the
interpretation or administration thereof by any governmental or regulatory
authority, but the term does not include any changes that at the Funding Date
are scheduled to take place under the existing Capital Adequacy Rules,
Eurodollar Rules, or L/C Rules or any increases in the capital that the Lender
is required to maintain to the extent that the increases are required due to a
regulatory authority’s assessment of that Lender’s financial condition.

 

The initial notice sent by the Lender shall be sent as promptly as
practicable after the Lender learns that its Return has been reduced, shall
include a demand for payment of the amount necessary to restore the Lender’s
Return for the quarter in which the notice is sent, and shall state in
reasonable detail the cause for the reduction in its Return and its calculation
of the amount of such reduction. 
Thereafter, the Lender may send a new notice during each calendar
quarter setting forth the calculation of the reduced Return for that quarter
and including a demand for payment of the amount necessary to restore its
Return for that quarter.  The Lender’s
calculation in any such notice shall be conclusive and binding absent
demonstrable error.

 

(b)                                 Basis for Determining Interest Rate Inadequate or
Unfair.  If with respect to
any Interest Period:

 

(i)                                     the
Lender determines that deposits in US dollars (in the applicable amounts) are
not being offered in the London interbank eurodollar market for such Interest
Period; or

 

(ii)                                  the
Lender otherwise determines that by reason of circumstances affecting the
London interbank eurodollar market adequate and reasonable means do not exist
for ascertaining the applicable LIBOR Rate; or

 

(iii)                               the
LIBOR Rate will not adequately and fairly reflect the cost to the Lender of
funding any LIBOR Rate Advance for such Interest Period, or that the funding of
LIBOR Rate Advances has become impracticable as a result of an event occurring
after the date of this Agreement which in the opinion of the Lender materially
affects such LIBOR Rate

 

18

 

Advances;

 

then
the Lender shall promptly notify the Borrower and (A) in the event of any
occurrence described in the foregoing clauses (i) and (ii), the Borrower shall
enter into good faith negotiations with the Lender in order to determine an
alternate method to determine the LIBOR Rate, and during the pendency of such
negotiations with the Lender, the Lender shall be under no obligation to make
any new LIBOR Rate Advances and (B) in the event of any occurrence
described in the foregoing clause (iii), for so long as such circumstances
shall continue, the Lender shall be under no obligation to make any new LIBOR
Rate Advances.

 

(c)                                  Illegality.  If
any Rule Change should make it or, in the good faith judgment of the Lender,
shall raise a substantial question as to whether it is unlawful for the Lender
to make, create, maintain or fund LIBOR Rate Advances, then (i) the Lender
shall promptly notify the Borrower, (ii) the obligation of the Lender to
make, maintain or convert into LIBOR Rate Advances shall, upon the effectiveness
of such event, be suspended for the duration of such unlawfulness, and (iii)
for the duration of such unlawfulness, any notice by the Borrower pursuant to
Section 2.2(a), Section 2.3(a) or Section 2.3(b) requesting the
Lender to make, continue making or convert into LIBOR Rate Advances shall be
construed as a request to make or to continue making Floating Rate Advances.

 

Section 2.5                                      Letters
of Credit.

 

(a)                                  The
Lender agrees, on the terms and subject to the conditions herein set forth, to
cause an Issuer to issue, from the Funding Date to the Termination Date, one or
more irrevocable standby or documentary letters of credit (each, a “Letter of
Credit”) for the Borrower’s account by guaranteeing payment of the Borrower’s
obligations or being a co-applicant. 
The Lender shall have no obligation to cause an Issuer to issue any
Letter of Credit if the face amount of the Letter of Credit to be issued would
exceed the lesser of:

 

(i)                                     $5,000,000
less the L/C Amount, or

 

(ii)                                  Availability.

 

Each Letter of Credit, if any, shall be issued pursuant to a separate
L/C Application entered into between the Borrower and the Lender for the
benefit of the Issuer, completed in a manner satisfactory to the Lender and the
Issuer.  The terms and conditions set
forth in each such L/C Application shall supplement the terms and conditions
hereof, but if the terms of any such L/C Application and the terms of this
Agreement are inconsistent, the terms hereof shall control.

 

(b)                                 No
Letter of Credit shall be issued with an expiry date later than the Termination
Date in effect as of the date of issuance.

 

(c)                                  Any
request to cause an Issuer to issue a Letter of Credit shall be deemed to be a
representation by the Borrower that the conditions set forth in
Section 4.2 have been satisfied as of the date of

 

19

 

the
request.

 

Section 2.6                                      Special
Account.  If the Credit Facility is
terminated for any reason while any Letter of Credit is outstanding, the
Borrower shall thereupon pay the Lender in immediately available funds for
deposit in the Special Account an amount equal to the L/C Amount.  The Special Account shall be an interest
bearing account maintained for the Lender by any financial institution acceptable
to the Lender.  Any interest earned on
amounts deposited in the Special Account shall be credited to the Special
Account.  The Lender may apply amounts
on deposit in the Special Account at any time or from time to time to the
Obligations in the Lender’s sole discretion. 
The Borrower may not withdraw any amounts on deposit in the Special
Account as long as the Lender maintains a security interest therein.  The Lender agrees to transfer any balance in
the Special Account to the Borrower when the Lender is required to release its
security interest in the Special Account under applicable law.

 

Section 2.7                                      Payment
of Amounts Drawn Under Letters of Credit; Obligation of Reimbursement.  The Borrower acknowledges that the Lender,
as co-applicant, will be liable to the Issuer for reimbursement of any and all
draws under Letters of Credit and for all other amounts required to be paid
under the applicable L/C Application. 
Accordingly, the Borrower shall pay to the Lender any and all amounts
required to be paid under the applicable L/C Application, when and as required
to be paid thereby, and the amounts designated below, when and as designated:

 

(a)                                  The
Borrower shall pay to the Lender on the day a draft is honored under any Letter
of Credit a sum equal to all amounts drawn under such Letter of Credit plus any
and all reasonable charges and expenses that the Issuer or the Lender may pay
or incur relative to such draw and the applicable L/C Application, plus
interest on all such amounts, charges and expenses as set forth below (the
Borrower’s obligation to pay all such amounts is herein referred to as the
“Obligation of Reimbursement”).

 

(b)                                 Whenever
a draft is submitted under a Letter of Credit, the Borrower authorizes the
Lender to make a Revolving Advance in the amount of the Obligation of
Reimbursement and to apply the proceeds of such Revolving Advance thereto.  Such Revolving Advance shall be repayable in
accordance with and be treated in all other respects as a Revolving Advance
hereunder.

 

(c)                                  If
a draft is submitted under a Letter of Credit when the Borrower is unable,
because a Default Period exists or for any other reason, to obtain a Revolving
Advance to pay the Obligation of Reimbursement, the Borrower shall pay to the
Lender on demand and in immediately available funds, the amount of the Obligation
of Reimbursement together with interest, accrued from the date of the draft
until payment in full at the Default Rate. 
Notwithstanding the Borrower’s inability to obtain a Revolving Advance
for any reason, the Lender is irrevocably authorized, in its sole discretion,
to make a Revolving Advance in an amount sufficient to discharge the Obligation
of Reimbursement and all accrued but unpaid interest thereon.

 

(d)                                 The
Borrower’s obligation to pay any Revolving Advance made under this
Section 2.7, shall be

 

20

 

evidenced
by the Revolving Note and shall bear interest as provided in Section 2.9.

 

Section 2.8                                      Obligations
Absolute.  The Borrower’s
obligations arising under Section 2.7 shall be absolute, unconditional and
irrevocable, and shall be paid strictly in accordance with the terms of
Section 2.7, under all circumstances whatsoever, including (without
limitation) the following circumstances:

 

(a)                                  any
lack of validity or enforceability of any Letter of Credit or any other
agreement or instrument relating to any Letter of Credit (collectively the
“Related Documents”);

 

(b)                                 any
amendment or waiver of or any consent to departure from all or any of the
Related Documents;

 

(c)                                  the
existence of any claim, setoff, defense or other right which the Borrower may
have at any time, against any beneficiary or any transferee of any Letter of
Credit (or any persons or entities for whom any such beneficiary or any such
transferee may be acting), or other person or entity, whether in connection
with this Agreement, the transactions contemplated herein or in the Related
Documents or any unrelated transactions;

 

(d)                                 any
statement or any other document presented under any Letter of Credit proving to
be forged, fraudulent, invalid or insufficient in any respect or any statement
therein being untrue or inaccurate in any respect whatsoever;

 

(e)                                  payment
by or on behalf of the Issuer under any Letter of Credit against presentation
of a draft or certificate which does not strictly comply with the terms of such
Letter of Credit; or

 

(f)                                    any
other circumstance or happening whatsoever, whether or not similar to any of
the foregoing.

 

Section 2.9                                      Interest;
Margin; Default Interest; Participations; Usury.

 

(a)                                  Interest. 
Except as set forth in Section 2.9(c) and Section 2.9(e), the
outstanding Floating Rate Advances shall bear interest at the applicable
Floating Rate and the outstanding LIBOR Rate Advances shall bear interest at
the applicable LIBOR Rate.

 

(b)                                 Margins.  The
Margins through and including the first adjustment occurring as specified below
shall be negative forty-five one hundredths of one percent (<0.45%>) for
Floating Rate Advances and two and one half percent  (2.50%) for LIBOR Rate Advances.  The Margins shall be adjusted each fiscal quarter of the Borrower
on the basis of the Pricing Ratio as at the end of the previous fiscal quarter,
in accordance with the following table (numbers appearing between “< >“
are negative):

 

	
  Pricing Ratio

  	
   

  	
  Margin for Floating

  Rate Advances

  	
   

  	
  Margin for LIBOR

  Rate Advances

  	
   

  
	
  > 1.00 <1.25

  	
   

  	
   

  	
  <0.20

  	
  >%

  	
  2.80

  	
  %

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  > 0.75 < 1.00

  	
   

  	
   

  	
  <0.45

  	
  >%

  	
  2.50

  	
  %

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  < 0.75

  	
   

  	
   

  	
  <0.70

  	
  >%

  	
  2.30

  	
  %

  

 

21

 

Reductions and increases in the Margins will be made quarterly within
five calendar days following receipt of the Borrower’s financial statements and
compliance certificates required under Section 6.1.  Notwithstanding the foregoing, (i) if
the Borrower fails to deliver any financial statements or compliance
certificates when required under Section 6.1, the Lender may, by notice to
the Borrower, increase the Margins to the highest rates set forth above until
such time as the Lender has received all such financial statements and
compliance certificates, (ii) no reduction in the Margins will be made if
a Default Period exists at the time that such reduction would otherwise be
made, and (iii) no adjustment in the Margin of a LIBOR Rate Advance shall be
made during the Interest Period applicable to such LIBOR Rate Advance.

 

(c)                                  Default Interest Rate. 
Upon notice to the Borrower from the Lender from time to time, the
principal of the Advances outstanding from time to time shall bear interest at
the Default Rate, effective as of the first day of the month during which any
Default Period begins through the last day of such Default Period.  The Lender’s election to charge the Default
Rate shall be in its sole discretion and shall not be a waiver of any of its
other rights and remedies.  The Lender’s
election to charge interest at the Default Rate for less than the entire period
during which the Default Rate may be charged shall not be a waiver of its right
to later charge the Default Rate for the entire such period.

 

(d)                                 Participations.  If any Person shall acquire a participation
in the Advances or the Obligation of Reimbursement, the Borrower shall be
obligated to the Lender to pay the full amount of all interest calculated under
this Section 2.9, along with all other fees, charges and other amounts due
under this Agreement, regardless if such Person elects to accept interest with
respect to its participation at a lower rate than that calculated under this
Section 2.9, or otherwise elects to accept less than its prorata share of
such fees, charges and other amounts due under this Agreement.

 

(e)                                  Usury. 
In any event no rate change shall be put into effect which would result
in a rate greater than the highest rate permitted by law.  Notwithstanding anything to the contrary contained
in any Loan Document, all agreements which either now are or which shall become
agreements between the Borrower and the Lender are hereby limited so that in no
contingency or event whatsoever shall the total liability for payments in the
nature of interest, additional interest and other charges exceed the applicable
limits imposed by any applicable usury laws. 
If any payments in the nature of interest, additional interest and other
charges made under any Loan Document are held to be in excess of the limits
imposed by any applicable usury laws, it is agreed that any such amount held to
be in excess shall be considered payment of principal hereunder, and the
indebtedness evidenced hereby shall be reduced by such amount so that the total
liability for payments in the nature of interest, additional interest and other
charges shall not exceed the applicable limits imposed by any applicable usury
laws, in compliance with the desires of the Borrower and the Lender.  This provision shall never be superseded or
waived and shall control every other provision of the Loan Documents and all
agreements between the Borrower and the Lender, or their successors and
assigns.

 

22

 

Section 2.10                                Fees.

 

(a)                                  Unused Line Fee.  For the purposes of this Section 2.10, “Unused Amount” means
the Maximum Line reduced by outstanding Revolving Advances and the L/C
Amount.  The Borrower agrees to pay to
the Lender an unused line fee at the Applicable Unused Line Rate on the average
daily Unused Amount from the date of this Agreement to and including the
Termination Date, due and payable quarterly in arrears on the first day of the
month and on the Termination Date.  For
purposes of this Section 2.10(a), the “Applicable Unused Line Rate” shall
mean, on any date, a rate determined by (i) the Pricing Ratio as of the date
hereof and (ii) thereafter, effective on the first day of the month commencing
after the month in which the Lender receives the Borrower’s financial
statements for the Borrower’s most recently completed fiscal quarter, the
Pricing Ratio for the most recently completed fiscal quarter, determined in
accordance with the following table:

 

	
  Pricing
  Ratio

  	
   

  	
  Applicable
  Unused Line Rate

  	
   

  
	
  > 1.00 < 1.25

  	
   

  	
   

  	
  0.50

  	
  %

  
	
   

  	
   

  	
   

  	
   

  	
   

  
	
  > 0.75 < 1.00

  	
   

  	
   

  	
  0.35

  	
  %

  
	
   

  	
   

  	
   

  	
   

  	
   

  
	
  > 0.50 < 0.75

  	
   

  	
   

  	
  0.25

  	
  %

  
	
   

  	
   

  	
   

  	
   

  	
   

  
	
  < 0.50

  	
   

  	
   

  	
  0.125

  	
  %

  

 

(b)                                 Letter of Credit Fees.  The Borrower shall pay to the Lender a fee
with respect to each Letter of Credit, if any, of one  percent (1.0%) of the aggregate amount that may then be drawn
on under such Letter of Credit assuming compliance with all conditions for
drawing, which fee shall be due and payable at the time of issuance.  The foregoing fee shall be in addition to
any and all fees, commissions and charges of the Issuer with respect to or in
connection with such Letter of Credit.

 

(c)                                  Letter of Credit Administrative Fees.  The Borrower shall pay to the Lender, on
written demand, the administrative fees charged by the Issuer in connection
with the honoring of drafts under any Letter of Credit, amendments thereto,
transfers thereof and all other activity with respect to the Letters of Credit
at the then – current rates published by the Issuer for such services rendered
on behalf of customers of the Issuer generally.

 

Section 2.11                                Time
for Interest Payments; Payment on Non-Banking Days; Computation of Interest and
Fees.

 

(a)                                  Time For Interest Payments.  Interest accruing on Floating Rate Advances
shall be due and payable in arrears on the first day of each quarter and on the
Termination Date.  Interest accruing on
each LIBOR Rate Advance shall be due and payable on the last day of the
applicable Interest Period; provided, however, for Interest
Periods longer than three (3) months, interest shall be due and payable monthly
in arrears on the last day of the third month occurring after commencement of
such Interest Period, on the last day of each three-month period thereafter (if
any) and on the 

 

23

 

last day
of such Interest Period.

 

(b)                                 Payment on Non-Banking Days.  Whenever any payment to be made hereunder shall be stated to be
due on a day which is not a Banking Day, such payment may be made on the next
succeeding Banking Day, and such extension of time shall in such case be
included in the computation of interest on the Advances or the fees hereunder,
as the case may be.

 

(c)                                  Computation of Interest and Fees.  Interest accruing on the outstanding principal balance of the
Advances and fees hereunder outstanding from time to time shall be computed on
the basis of actual number of days elapsed in a year of 360 days.

 

Section 2.12                                Payments.  In the event that payments are not made
pursuant to the 4-Way Sweep Product, the Borrower shall make each payment
(including principal of or interest on any Advance or any fees or other
amounts) hereunder and under any other Loan Document not later than 12:00 p.m.
(noon) Denver, Colorado time, on the date when due in dollars to the Lender at
its offices at 1740 Broadway Street, C7301-037, Denver, Colorado 80274, in
immediately available funds.  Whenever
any payment (including principal of or interest on any Advance or any fees or
other amounts) hereunder or under any other Loan Document shall become due, or
otherwise would occur, on a date that is not a Banking Day, such payment may be
made on the next succeeding Banking Day, and such extension of time shall in
such case be included in the computation of interest of fees, if applicable.

 

Section 2.13                                Voluntary
Prepayment; Reduction of the Maximum Line; Termination of the Credit Facility
by the Borrower.  Except as
otherwise provided herein, the Borrower may prepay the Advances in whole at any
time or from time to time in part without penalty.  The Borrower may terminate the Credit Facility or reduce the
Maximum Line at any time if it gives the Lender at least 30 days’ prior written
notice.  Any reduction in the Maximum
Line must be in an amount of not less than $1,000,000 or an integral multiple
thereof.  If the Borrower reduces the
Maximum Line to zero, all Obligations shall be immediately due and
payable.  Subject to termination of the
Credit Facility and payment and performance of all Obligations, the Lender
shall, at the Borrower’s expense, release or terminate the Security Interest
and the Security Documents to which the Borrower is entitled by law.

 

Section 2.14                                Mandatory
Prepayment.  Without notice or
demand, if the sum of the outstanding principal balance of the Revolving
Advances plus the L/C Amount shall at any time exceed the Availability, the
Borrower shall (i) first, immediately prepay the Revolving Advances to the
extent necessary to eliminate such excess; and (ii) if prepayment in full
of the Revolving Advances is insufficient to eliminate such excess, pay to the
Lender in immediately available funds for deposit in the Special Account an
amount equal to the remaining excess. 
Any payment received by the Lender under this Section 2.14 or under
(c) may be applied to the Obligations, in such order and in such

 

24

 

amounts as the Lender, in its discretion, may from time to time
determine.

 

Section 2.15                                Revolving
Advances to Pay Obligations. 
Notwithstanding anything in Section 2.1, the Lender may, in its
discretion at any time or from time to time, without the Borrower’s request and
even if the conditions set forth in Section 4.2 would not be satisfied,
make a Revolving Advance in an amount equal to the portion of the Obligations
from time to time due and payable.

 

Section 2.16                                Use
of Proceeds.  The Borrower shall use
the proceeds of Advances and each Letter of Credit for acquisitions and
ordinary working capital purposes.

 

Section 2.17                                Liability
Records.  The Lender may maintain
from time to time, at its discretion, records as to the Obligations.  All entries made on any such record shall be
presumed correct until the Borrower establishes the contrary.  Upon the Lender’s demand, the Borrower will
admit and certify in writing the exact principal balance of the Obligations
that the Borrower then asserts to be outstanding.  Any billing statement or accounting rendered by the Lender shall
be conclusive and fully binding on the Borrower unless the Borrower gives the
Lender specific written notice of exception within 30 days after receipt.

 

ARTICLE
III

 

SECURITY INTEREST;
OCCUPANCY; SETOFF

 

Section 3.1                                      Grant
of Security Interest.  The Borrower
hereby pledges, assigns and grants to the Lender a lien and security interest
(collectively referred to as the “Security Interest”) in the Collateral, as
security for the payment and performance of the Obligations.  Upon request by the Lender, the Borrower
will grant the Lender a security interest in all commercial tort claims it may
have against any Person.

 

Section 3.2                                      Notification
of Account Debtors and Other Obligors. 
During a Default Period, the Lender may at any time notify any account
debtor or other person obligated to pay the amount due that such right to
payment has been assigned or transferred to the Lender for security and shall
be paid directly to the Lender.  The
Borrower will join in giving such notice if the Lender so requests.  At any time after the Borrower or the Lender
gives such notice to an account debtor or other obligor, the Lender may, but
need not, in the Lender’s name or in the Borrower’s name, (a) demand, sue
for, collect or receive any money or property at any time payable or receivable
on account of, or securing, any such right to payment, or grant any extension
to, make any compromise or settlement with or otherwise agree to waive, modify,
amend or change the obligations (including collateral obligations) of any such
account debtor or other obligor; and (b) as the Borrower’s agent and
attorney-in-fact, notify the United

 

25

 

States Postal Service to change the address for delivery of the
Borrower’s mail to any address designated by the Lender, otherwise intercept
the Borrower’s mail, and receive, open and dispose of the Borrower’s mail,
applying all Collateral as permitted under this Agreement and holding all other
mail for the Borrower’s account or forwarding such mail to the Borrower’s last
known address.

 

Section 3.3                                      Assignment
of Insurance.  As additional
security for the payment and performance of the Obligations, the Borrower
hereby assigns to the Lender any and all monies (including proceeds of
insurance and refunds of unearned premiums) due or to become due under, and all
other rights of the Borrower with respect to, any and all policies of insurance
now or at any time hereafter covering the Collateral or any evidence thereof or
any business records or valuable papers pertaining thereto, and the Borrower
hereby directs the issuer of any such policy to pay all such monies directly to
the Lender during a Default Period.  The
Lender may (but need not), in the Lender’s name or in the Borrower’s name,
execute and deliver proofs of claim, receive all monies, endorse checks and
other instruments representing payment of such monies, and adjust, litigate,
compromise or release any claim against the issuer of any such policy.

 

Section 3.4                                      License.  Without limiting the generality of any other
Security Document, the Borrower hereby grants to the Lender a non-exclusive,
worldwide and royalty-free license to use or otherwise exploit all Intellectual
Property Rights of the Borrower for the purpose of selling, leasing, collecting
on or otherwise disposing of any or all Collateral during any Default Period.

 

Section 3.5                                      Financing
Statement.  The Borrower authorizes
the Lender to file from time to time where permitted by law, such financing
statements against collateral described as “all personal property” or
describing specific items of collateral including commercial tort claims as the
Lender deems necessary or useful to perfect the Security Interest.  All financing statements filed before the
date hereof to perfect the Security Interest were authorized by the Borrower
and are hereby re-authorized.  A carbon,
photographic or other reproduction of this Agreement or of any financing
statements signed by the Borrower is sufficient as a financing statement and
may be filed as a financing statement in any state to perfect the security
interests granted hereby.  For this
purpose, the Borrower represents and warrants that the following information is
true and correct:

 

Name and address of
Debtor:

 

CIBER, Inc.

5251 DTC Parkway, Suite 1400

Greenwood Village, CO  80111

Federal Employer Identification No. 
38-2046833

Organizational Identification No. 2363878

 

26

 

Name and address of Secured Party:

 

Wells Fargo Bank, National Association

MAC C7301-037

1740 Broadway

Denver, CO  80274

 

Section 3.6                                      Setoff.  During a Default Period, the Lender may at
any time or from time to time, at its sole discretion and without demand and
without notice to anyone, setoff any liability owed to the Borrower by the
Lender, whether or not due, against any Obligation, whether or not due.  In addition, during a Default Period, each
other Person holding a participating interest in any Obligations shall have the
right to appropriate or setoff any deposit or other liability then owed by such
Person to the Borrower, whether or not due, and apply the same to the payment
of said participating interest, as fully as if such Person had lent directly to
the Borrower the amount of such participating interest.

 

Section 3.7                                      Collateral.  This Agreement does not contemplate a sale
of accounts, contract rights or chattel paper, and, as provided by law, the
Borrower is entitled to any surplus and shall remain liable for any
deficiency.  The Lender’s duty of care
with respect to Collateral in its possession (as imposed by law) shall be
deemed fulfilled if it exercises reasonable care in physically keeping such
Collateral, or in the case of Collateral in the custody or possession of a
bailee or other third person, exercises reasonable care in the selection of the
bailee or other third person, and the Lender need not otherwise preserve,
protect, insure or care for any Collateral. 
The Lender shall not be obligated to preserve any rights the Borrower
may have against prior parties, to realize on the Collateral at all or in any
particular manner or order or to apply any cash proceeds of the Collateral in
any particular order of application. 
The Lender has no obligation to clean-up or otherwise prepare the
Collateral for sale.  The Borrower
waives any right it may have to require the Lender to pursue any third person
for any of the Obligations.

 

ARTICLE
IV

 

CONDITIONS OF
LENDING

 

Section 4.1                                      Conditions
Precedent to the Initial Advance and Letter of Credit.  The Lender’s obligation to make the initial
Advance or to cause any Letters of Credit to be issued shall be subject to the
condition precedent that the Lender shall have received all of the following,
each in form and substance satisfactory to the Lender:

 

(a)                                  This
Agreement, properly executed by the Borrower.

 

(b)                                 The
Note, properly executed by the Borrower.

 

27

 

(c)                                  The
Patent and Trademark Security Agreement, properly executed by the Borrower.

 

(d)                                 Current
searches of appropriate filing offices showing that (i) no Liens have been
filed and remain in effect against the Borrower except Permitted Liens or Liens
held by Persons who have agreed in writing that upon receipt of proceeds of the
initial Advances, they will satisfy, release or terminate such Liens in a
manner satisfactory to the Lender, and (ii) the Lender has duly filed all
financing statements necessary to perfect the Security Interest, to the extent
the Security Interest is capable of being perfected by filing.

 

(e)                                  A
certificate of the Borrower’s Secretary or Assistant Secretary certifying that
attached to such certificate are (i) the resolutions of the Borrower’s
Directors and, if required, Owners, authorizing the execution, delivery and
performance of the Loan Documents, (ii) true, correct and complete copies
of the Borrower’s Constituent Documents, and (iii) examples of the
signatures of the Borrower’s Officers or agents authorized to execute and
deliver the Loan Documents and other instruments, agreements and certificates,
including Advance requests, on the Borrower’s behalf.

 

(f)                                    A
current certificate issued by the Secretary of State of Delaware certifying
that the Borrower is in compliance with all applicable organizational
requirements of the State of Delaware.

 

(g)                                 An
opinion of counsel to the Borrower, addressed to the Lender.

 

(h)                                 Evidence
that the Borrower and each Guarantor is duly licensed or qualified to transact
business in its jurisdiction of organization.

 

(i)                                     A
separate guaranty, properly executed by each Guarantor, pursuant to which each
Guarantor unconditionally guarantees the full and prompt payment of all
Obligations.

 

(j)                                     An
opinion of counsel to each Guarantor, addressed to the Lender.

 

(k)                                  Payment
of the fees and commissions due under Section 2.10 through the date of the
initial Advance or Letter of Credit and expenses incurred by the Lender through
such date and required to be paid by the Borrower under Section 8.5,
including all legal expenses incurred through the date of this Agreement.

 

(l)                                     Such
other documents as the Lender in its discretion may require.

 

Section 4.2                                      Conditions
Precedent to All Advances and Letters of Credit.  The Lender’s obligation to make each Advance and to cause each
Letter of Credit to be issued shall be subject to the further conditions
precedent that:

 

(a)                                  the
representations and warranties contained in Article V are correct on and
as of the date of such Advance or issuance of a Letter of Credit as though made
on and as of such date, except to the extent that such representations and
warranties relate solely to an earlier date; and

 

(b)                                 no
event has occurred and is continuing, or would result from such Advance or
issuance of a

 

28

 

Letter
of Credit which constitutes a Default or an Event of Default.

 

ARTICLE
V

 

REPRESENTATIONS
AND WARRANTIES

 

The Borrower
represents and warrants to the Lender as follows:

 

Section 5.1                                      Existence
and Power; Name; Chief Executive Office; Federal Employer Identification
Number, and Organizational Identification Number.  The Borrower is a corporation, duly organized, validly existing
and in good standing under the laws of the State of Delaware and is duly
licensed or qualified to transact business in all jurisdictions where the
character of the property owned or leased or the nature of the business
transacted by it makes such licensing or qualification necessary.  The Borrower has all requisite power and
authority to conduct its business, to own its properties and to execute and
deliver, and to perform all of its obligations under, the Loan Documents.  During its existence, the Borrower has done
business solely under the names set forth in Schedule 5.1.  The Borrower’s chief executive office and principal
place of business is located at the address set forth in Schedule 5.1, and
the Borrower’s records relating to its business or the Collateral are kept at
that location.  The Borrower’s federal
employer identification number and organization identification number are
correctly set forth in Section 3.5.

 

Section 5.2                                      Capitalization.  As of the date hereof, Schedule 5.2
constitutes a correct and complete list of all Persons holding ownership
interests and rights to acquire ownership interests which if fully exercised
would cause such Person to hold more than five percent (5%) of all ownership
interests of the Borrower on a fully diluted basis.  Schedule 5.2 also constitutes an organizational chart
showing the ownership structure of all Subsidiaries of the Borrower and a list
of all of the Borrower’s Affiliates.

 

Section 5.3                                      Authorization
of Borrowing; No Conflict as to Law or Agreements.  The execution, delivery and performance by
the Borrower of the Loan Documents and the borrowings from time to time
hereunder have been duly authorized by all necessary corporate  action and do not and will not
(i) require any consent or approval of the Borrower’s Owners;
(ii) require any authorization, consent or approval by, or registration,
declaration or filing with, or notice to, any governmental department,
commission, board, bureau, agency or instrumentality, domestic or foreign, or
any third party, except such authorization, consent, approval, registration,
declaration, filing or notice as has been obtained, accomplished or given prior
to the date hereof; (iii) violate any provision of any law, rule or
regulation (including Regulation X of the Board of Governors of the
Federal Reserve System) or of any order, writ, injunction or decree presently
in effect having applicability to the Borrower or of the Borrower’s Constituent
Documents; (iv) result in a breach of or constitute a default under any
indenture or loan or credit agreement or any other material agreement, lease or
instrument to which the Borrower is a party or by which it

 

29

 

or its properties may be bound or affected; or (v) result in, or
require, the creation or imposition of any Lien (other than the Security
Interest) upon or with respect to any of the properties now owned or hereafter
acquired by the Borrower.

 

Section 5.4                                      Legal
Agreements.  This Agreement
constitutes and, upon due execution by the Borrower, the other Loan Documents
will constitute the legal, valid and binding obligations of the Borrower,
enforceable against the Borrower in accordance with their respective terms.

 

Section 5.5                                      Subsidiaries
and Affiliates.  Except as set forth
in Schedule 5.5 hereto, the Borrower has no Subsidiaries and no
Affiliates.

 

Section 5.6                                      Financial
Condition; No Adverse Change.  The
Borrower has furnished to the Lender its audited financial statements for its
fiscal year ended December 31, 2002 and unaudited financial statements for
the fiscal-year-to-date period ended March 31, 2003, and those statements
fairly present the Borrower’s financial condition on the dates thereof and the
results of its operations and cash flows for the periods then ended and were
prepared in accordance with GAAP.  Since
the date of the most recent financial statements, there has been no change in the Borrower’s business, properties
or condition (financial or otherwise) which has had a Material Adverse Effect.

 

Section 5.7                                      Litigation.  There are no actions, suits or proceedings
pending or, to the Borrower’s knowledge, threatened against or affecting the
Borrower or any of its Subsidiaries or the properties of the Borrower or any of
its Subsidiaries before any court or governmental department, commission,
board, bureau, agency or instrumentality, domestic or foreign, which would
reasonably be expected to have a Material
Adverse Effect.

 

Section 5.8                                      Regulation U.  The Borrower is not engaged in the business
of extending credit for the purpose of purchasing or carrying margin stock
(within the meaning of Regulation U of the Board of Governors of the Federal
Reserve System), and no part of the proceeds of any Advance will be used to purchase
or carry any margin stock or to extend credit to others for the purpose of
purchasing or carrying any margin stock.

 

Section 5.9                                      Taxes.  The Borrower and its Subsidiaries have paid
or caused to be paid to the proper authorities when due all material federal,
state and local taxes required to be withheld by each of them.  The Borrower and its Affiliates have filed
all federal, state and local tax returns which to the knowledge of the Officers
of the Borrower or any Subsidiaries, as the case may be, are

 

30

 

required to be filed, and the Borrower and its Subsidiaries have paid
or caused to be paid to the respective taxing authorities all taxes as shown on
said returns or on any assessment received by any of them to the extent such
taxes have become due.

 

Section 5.10                                Titles
and Liens.  The Borrower has good
and absolute title to all Collateral free and clear of all Liens other than
Permitted Liens.  No financing statement
naming the Borrower as debtor is on file in any office except to perfect only
Permitted Liens.

 

Section 5.11                                Intellectual
Property Rights.  

 

(a)                                  Owned Intellectual Property.  As of the later of the date hereof or the
date of the last update of Schedule 5.11, Schedule 5.11 (as the same
may be updated from time to time at the Lender’s request) is a complete list of
all patents, applications for patents, material trademarks, registered
trademarks, applications to register trademarks, material service marks,
material applications to register service marks, material mask works, material
trade dress and registered copyrights for which the Borrower is the owner of
record (the “Owned Intellectual Property”).  As of the later of the date hereof or
the date of the last update of Schedule 5.11, except as disclosed on
Schedule 5.11 (as the same may be updated from time to time at the
Lender’s request), to the Borrower’s knowledge, (i) the Borrower owns the
Owned Intellectual Property free and clear of all restrictions (including
covenants not to sue a third party), court orders, injunctions, decrees, writs
or Liens, whether by written agreement or otherwise, (ii) no Person other
than the Borrower owns or has been granted any right in the Owned Intellectual
Property, (iii) all Owned Intellectual Property is valid, subsisting and
enforceable and (iv) the Borrower has taken all commercially reasonable
action necessary to maintain and protect the Owned Intellectual Property
material to the Borrower’s business and operations.  The Borrower shall update Schedule 5.11 from time to time
within 10 Banking Days of any such request by the Lender.

 

(b)                                 Agreements with Employees and Contractors.  The Borrower has entered into a legally
enforceable agreement with, or, through its employee handbook, given written
notice to, each of its employees and subcontractors that provides that each
such Person is obligated to assign to the Borrower, without any additional
compensation, any Intellectual Property Rights created, discovered or invented
by such Person in the course of such Person’s employment or engagement with the
Borrower (except to the extent prohibited by law), and further requiring such
Person to cooperate with the Borrower, without any additional compensation, in
connection with securing and enforcing any Intellectual Property Rights
therein; provided, however, that the foregoing shall not apply with respect to
employees and subcontractors whose job descriptions are of the type such that
no such assignments are reasonably foreseeable.

 

(c)                                  Intellectual Property Rights Licensed from Others.  As of the later of the date hereof or the
date of the last update of Schedule 5.11, Schedule 5.11 (as the same
may be updated from time to time at the Lender’s request) is a complete list of
all agreements under which the Borrower has licensed Intellectual Property
Rights from another Person (“Licensed Intellectual Property”) other

 

31

 

than
readily available, non-negotiated licenses of computer software and other
intellectual property used solely for performing accounting, word processing
and similar administrative tasks (“Off-the-shelf Software”) and a summary of
any ongoing payments the Borrower is obligated to make with respect thereto.  As
of the later of the date hereof or the date of the last update of
Schedule 5.11, except as disclosed on Schedule 5.11 (as the same may
be updated from time to time at the Lender’s request) and in written
agreements, copies of which shall be provided to the Lender upon request, the Borrower’s
licenses to use the Licensed Intellectual Property are free and clear of all
restrictions, Liens, court orders, injunctions, decrees, or writs, whether by
written agreement or otherwise.  As of
the later of the date hereof or the date of the last update of Schedule 5.11,
except as disclosed on Schedule 5.11 (as the same may be updated from time
to time at the Lender’s request), the Borrower is not obligated or under any
liability whatsoever to make any payments of a material nature by way of royalties,
fees or otherwise to any owner of, licensor of, or other claimant to, any
Intellectual Property Rights.

 

(d)                                 Other Intellectual Property Needed for Business.  As of the later of the date hereof or the
date of the last update of Schedule 5.11, except for Off-the-shelf
Software and as disclosed on Schedule 5.11 (as the same may be updated
from time to time at the Lender’s request), the Owned Intellectual Property and
the Licensed Intellectual Property constitute all material Intellectual
Property Rights used or necessary to conduct the Borrower’s business as it is
presently conducted or as the Borrower reasonably foresees conducting it.

 

(e)                                  Infringement.  As of
the later of the date hereof or the date of the last update of
Schedule 5.11, except as disclosed on Schedule 5.11 (as the same may
be updated from time to time at the Lender’s request), the Borrower has no
knowledge of, and has not received any written claim or notice alleging, any
Infringement by the Borrower or its Affiliates of another Person’s Intellectual
Property Rights (including any written claim that the Borrower must license or
refrain from using the Intellectual Property Rights of any third party) nor, to
the Borrower’s knowledge, is there any threatened claim or any reasonable basis
for any such claim.

 

Section 5.12                                Employees.  There are no controversies pending or
threatened between the Borrower and any of its employees, other than employee
grievances arising in the ordinary course of the Borrower’s business consistent
with past practices which are not, in the aggregate, material to the continued
financial success and well-being of the Borrower, and the Borrower is in
compliance in all material respects with all federal and state laws respecting
employment and employment terms, conditions and practices.

 

Section 5.13                                Plans.  Except as disclosed to the Lender in writing
prior to the date hereof, neither the Borrower nor any ERISA Affiliate (i)
maintains or has maintained any Pension Plan, (ii) contributes or has
contributed to any Multiemployer Plan or (iii) provides or has provided
post-retirement medical or insurance benefits with respect to employees or
former employees (other than benefits required under Section 601 of ERISA,
Section 4980B of the IRC or applicable state law).  Neither the Borrower nor any ERISA Affiliate
has received any notice or

 

32

 

has any knowledge to the effect that it is not in full compliance with
any of the requirements of ERISA, the IRC or applicable state law with respect to
any Plan.  No Reportable Event exists in
connection with any Pension Plan.  Each
Plan which is intended to qualify under the IRC is so qualified, and no fact or
circumstance exists which may have an adverse effect on the Plan’s
tax-qualified status.  Neither the
Borrower nor any ERISA Affiliate has (i) any accumulated funding
deficiency (as defined in Section 302 of ERISA and Section 412 of the
IRC) under any Plan, whether or not waived, (ii) any liability under
Section 4201 or 4243 of ERISA for any withdrawal, partial withdrawal,
reorganization or other event under any Multiemployer Plan or (iii) any
liability or knowledge of any facts or circumstances which could result in any
liability to the Pension Benefit Guaranty Corporation, the Internal Revenue Service,
the Department of Labor or any participant in connection with any Plan (other
than routine claims for benefits under the Plan).

 

Section 5.14                                Default.  The Borrower is in compliance with all
provisions of all agreements, instruments, decrees and orders to which it is a
party or by which it or its property is bound or affected, the breach or
default of which would reasonably be expected to have a Material Adverse Effect.

 

Section 5.15                                Environmental
Matters.  

 

(a)                                  To
the Borrower’s best knowledge, there are not present in, on or under the
Premises any Hazardous Substances in such form or quantity as to create any
material liability or obligation for either the Borrower or the Lender under
the common law of any jurisdiction or under any Environmental Law, and no
Hazardous Substances have ever been stored, buried, spilled, leaked,
discharged, emitted or released in, on or under the Premises in such a way as
to create any such material liability.

 

(b)                                 To
the Borrower’s best knowledge, the Borrower has not disposed of Hazardous
Substances in such a manner as to create any material liability under any
Environmental Law.

 

(c)                                  To
the Borrower’s best knowledge, there are not and there never have been any
requests, claims, notices, investigations, demands, administrative proceedings,
hearings or litigation, relating in any way to the Premises or the Borrower,
alleging material liability under, violation of, or noncompliance with any
Environmental Law or any license, permit or other authorization issued pursuant
thereto, and no such matter is threatened or impending.

 

(d)                                 To
the Borrower’s best knowledge, the Borrower’s businesses are and have in the
past always been conducted in accordance with all Environmental Laws and all
licenses, permits and other authorizations required pursuant to any
Environmental Law and necessary for the lawful and efficient operation of such
businesses are in the Borrower’s possession and are in full force and
effect.  At the date hereof, no permit
required under any Environmental Law is scheduled to expire within 12 months
and there is no threat that any such permit will be withdrawn, terminated,
limited or materially changed.

 

33

 

(e)                                  To
the Borrower’s best knowledge, the Premises are not and never have been listed
on the National Priorities List, the Comprehensive Environmental Response,
Compensation and Liability Information System or any similar federal, state or
local list, schedule, log, inventory or database.

 

(f)                                    To
the Borrower’s best knowledge, there are no environmental assessments, audits,
reports, permits, licenses and other documents describing or relating in any
way to the Premises or Borrower’s businesses, other than those received in the
ordinary course of the Borrower’s business which are not material to the
Borrower’s business.

 

Section 5.16                                Submissions
to Lender.  All financial and other
information provided to the Lender by or on behalf of the Borrower in
connection with the Borrower’s request for the credit facilities contemplated
hereby is (i) true and correct in all material respects, (ii) does
not omit any material fact necessary to make such information not misleading
and, (iii) as to projections, valuations or proforma financial statements,
present a good faith opinion as to such projections, valuations and proforma
condition and results.

 

Section 5.17                                Financing
Statements.  The Borrower has
authorized the filing of financing statements sufficient when filed to perfect
the Security Interest and the other security interests created by the Security
Documents.  When such financing
statements are filed in the offices noted therein, the Lender will have a valid
and perfected security interest in all Collateral which is capable of being
perfected by filing financing statements. 
None of the Collateral is or will become a fixture on real estate,
unless a sufficient fixture filing is in effect with respect thereto.

 

ARTICLE
VI

 

COVENANTS

 

So long as the Obligations shall remain unpaid, or the
Credit Facility shall remain outstanding, the Borrower will comply with the
following requirements, unless the Lender shall otherwise consent in writing:

 

Section 6.1                                      Reporting
Requirements.  The Borrower will
deliver, or cause to be delivered, to the Lender each of the following, which
shall be in form and detail acceptable to the Lender:

 

(a)                                  Annual Financial Statements.  As soon as available, and in any event within 90 days after
the end of each fiscal year of the Borrower, the Borrower will deliver, or
cause to be delivered, to the Lender, the Borrower’s audited financial
statements with the unqualified opinion of independent certified public
accountants selected by the Borrower and acceptable to the Lender, which annual
financial statements shall include the Borrower’s balance sheet as at the end
of such fiscal year and the related statements of the Borrower’s income,
retained earnings and cash flows for the

 

34

 

fiscal
year then ended, prepared on a consolidated basis, all in reasonable detail and
prepared in accordance with GAAP, together with (i) copies of all
management letters prepared by such accountants and (ii) a certificate of
the Borrower’s chief financial officer stating that such financial statements
have been prepared in accordance with GAAP, fairly represent the Borrower’s
financial position and the results of its operations, and whether or not such
Officer has knowledge of the occurrence of any uncured Default or Event of
Default and, if so, stating in reasonable detail the facts with respect
thereto.

 

(b)                                 Quarterly Financial Statements.  As soon as available and in any event within 45 days after
the end of each calendar quarter, the Borrower will deliver to the Lender an
unaudited/internal balance sheet and statements of income and retained earnings
of the Borrower as at the end of and for such quarter and for the year to date
period then ended, prepared on a consolidated basis, in reasonable detail,
prepared in accordance with the Securities Exchange Commission rules for interim
financial statements which conform to GAAP, and accompanied by a certificate of
the Borrower’s chief financial officer, substantially in the form of Exhibit B
hereto stating (i) that such financial statements have been prepared in
accordance with the Securities Exchange Commission rules for interim financial
statements which conform to GAAP, (ii) whether or not such Officer has
knowledge of the occurrence of any uncured Default or Event of Default not
theretofore reported and remedied and, if so, stating in reasonable detail the
facts with respect thereto, and (iii) all relevant facts in reasonable
detail to evidence, and the computations as to, whether or not the Borrower is
in compliance with the Financial Covenants.

 

(c)                                  Collateral Reports. 
On or before January 31st and July 31st
of each year, or more frequently if the Lender so requires, the Borrower will
deliver to the Lender agings of the Accounts and a list of all Accounts and
such other information as the Lender reasonably requests.

 

(d)                                 Projections.  At
least 90 days before the beginning of each fiscal year of the Borrower, the
Borrower will deliver to the Lender the projected balance sheets and income
statements for each quarter of such year, each in reasonable detail,
representing the Borrower’s good faith projections and certified by the
Borrower’s chief financial officer as being based on reasonable assumptions and
identical to the projections used by the Borrower for internal planning
purposes, together with a statement of underlying assumptions and such
supporting schedules and information as the Lender may in its discretion
require.

 

(e)                                  Litigation.  Immediately after the commencement thereof,
the Borrower will deliver to the Lender notice in writing of all litigation and
of all proceedings before any governmental or regulatory agency affecting the
Borrower (i) of the type described in Section 5.15(c) or
(ii) which seek a monetary recovery against the Borrower in excess of
$5,000,000.

 

(f)                                    Defaults.  As
promptly as practicable (but in any event not later than five business days)
after an Officer of the Borrower obtains knowledge of the occurrence of any
Default or Event of Default or the occurrence of any event which, if incurred,
will become a Default hereunder after notice or lapse of time (or both), the
Borrower will deliver to the Lender notice of such occurrence, together with a
detailed statement by a responsible Officer of the Borrower of the steps being
taken by the Borrower to cure the effect thereof.  In addition, the Borrower shall promptly advise the Lender in
writing of any default made in the due observance or performance by the
Borrower

 

35

 

of any
covenant, condition or agreement where such default would reasonably be
expected to have a Material Adverse Effect.

 

(g)                                 Plans.  As soon as
possible, and in any event within 30 days after the Borrower knows or has
reason to know that any Reportable Event with respect to any Pension Plan has
occurred, the Borrower will deliver to the Lender a statement of the Borrower’s
chief financial officer setting forth details as to such Reportable Event and
the action which the Borrower proposes to take with respect thereto, together
with a copy of the notice of such Reportable Event to the Pension Benefit
Guaranty Corporation.  As soon as
possible, and in any event within 10 days after the Borrower fails to make
any quarterly contribution required with respect to any Pension Plan under
Section 412(m) of the IRC, the Borrower will deliver to the Lender a statement
of the Borrower’s chief financial officer setting forth details as to such
failure and the action which the Borrower proposes to take with respect
thereto, together with a copy of any notice of such failure required to be
provided to the Pension Benefit Guaranty Corporation.  As soon as possible, and in any event within 10 days after the
Borrower knows or has reason to know that it has or is reasonably expected to
have any liability under Section 4201 or 4243 of ERISA for any withdrawal,
partial withdrawal, reorganization or other event under any Multiemployer Plan,
the Borrower will deliver to the Lender a statement of the Borrower’s chief
financial officer setting forth details as to such liability and the action
which the Borrower proposes to take with respect thereto.

 

(h)                                 Disputes.  Promptly upon knowledge thereof, the
Borrower will deliver to the Lender notice of any written claims by the
Borrower’s customers exceeding $10,000,000 in the aggregate during any fiscal
year.

 

(i)                                     Collateral.  Promptly
upon knowledge thereof, the Borrower will deliver to the Lender notice of any
loss of or material damage to any material Collateral or of any substantial
adverse change in any material Collateral or the prospect of payment thereof.

 

(j)                                     Commercial Tort Claims. 
Promptly upon knowledge thereof, the Borrower will deliver to the Lender
notice of any commercial tort claims it may bring against any Person, including
the name and address of each defendant, a summary of the facts, an estimate of
the Borrower’s damages, copies of any complaint or demand letter submitted by
the Borrower, and such other information as the Lender may request.

 

(k)                                  Intellectual Property.

 

(i)                                     The
Borrower will give the Lender 30 days prior written notice of its intent to
acquire Intellectual Property Rights material to the Borrower’s business or
operations; except for transfers permitted under Section 6.17, the
Borrower will give the Lender 30 days prior written notice of its intent to
dispose of such Intellectual Property Rights and upon request shall provide the
Lender with copies of all proposed documents and agreements concerning such
rights.

 

(ii)                                  Promptly
upon knowledge thereof, the Borrower will deliver to the Lender notice of
(A) any material Infringement of its owned Intellectual Property Rights by
others, (B) claims that the Borrower is Infringing another Person’s
Intellectual Property Rights and (C) any threatened

 

36

 

cancellation, termination or material limitation of
Intellectual Property Rights material to the Borrower’s business or operations.

 

(iii)                               Promptly
upon receipt, the Borrower will give the Lender copies of all registrations and
filings with respect to owned Intellectual Property Rights.

 

(l)                                     Violations of Law.  Promptly upon knowledge thereof, the
Borrower will deliver to the Lender notice of the Borrower’s violation of any
law, rule or regulation, the non-compliance with which would reasonably be
expected to have a Material Adverse Effect on the Borrower.

 

(m)                               Premises. 
Within 10 days of the Lender’s request, the Borrower shall provide to
the Lender a list of the addresses of the Premises.

 

(n)                                 Other Reports.  From
time to time, with reasonable promptness, the Borrower will deliver to the
Lender any and all material, reports, records or information as the Lender may
reasonably request.

 

Section 6.2                                      Financial
Covenants.

 

(a)                                  Asset Coverage Ratio.  Total Funded Indebtedness, determined as at
the end of each fiscal quarter, shall not exceed 50% of consolidated Accounts
(other than Accounts owed by foreign account debtors and Accounts pledged by
DigiTerra, Inc. to IBM Global Credit Corporation).

 

(b)                                 Leverage Coverage Ratio.  The ratio of Total Funded Indebtedness
divided by EBITDA, determined as at the end of each fiscal quarter for the
preceding twelve month period, shall not exceed 1.25 to 1.00.

 

(c)                                  Fixed Charge Coverage Ratio.  The ratio of EBITDAR divided by the sum of
Capital Expenditures, Interest Expense and Lease Expense, determined as at the
end of each fiscal quarter for the preceding twelve month period, shall be no
less than 1.75 to 1.00.

 

(d)                                 Liabilities to Tangible Net Worth Ratio.  The ratio of the Borrower’s Liabilities
divided by its Tangible Net Worth, determined as at the end of each fiscal
quarter, shall not exceed 2.0 to 1.0.

 

Section 6.3                                      Permitted
Liens; Financing Statements.

 

(a)                                  The
Borrower will not create, incur or suffer to exist any Lien upon or of any of
its assets, now owned or hereafter acquired, to secure any indebtedness; excluding,
however, from the operation of the foregoing, the following
(collectively, “Permitted Liens”):

 

(i)                                     in
the case of any of the Borrower’s property, covenants, restrictions, rights,
easements and minor irregularities in title which do not materially interfere with
the Borrower’s business or operations as presently conducted or its ownership
of such property;

 

37

 

(ii)                                  statutory
Liens of mechanics, materialmen or suppliers incurred in the ordinary course of
the Borrower’s business consistent with past practices and securing amounts not
yet due or declared to be due by the claimant thereunder;

 

(iii)                               Material
Liens in existence on the date hereof and listed in Schedule 6.3 hereto,
securing indebtedness permitted under Section 6.4;

 

(iv)                              the
Security Interest and Liens created by the Security Documents;

 

(v)                                 purchase
money Liens relating to the acquisition of machinery and equipment of the
Borrower not exceeding the lesser of cost or fair market value thereof, not
exceeding $250,000 in the aggregate during any fiscal year, so long as no
Default Period is then in existence and none would exist immediately after such
acquisition; and

 

(vi)                              any
Lien related to the payment of taxes of up to $50,000 in the aggregate, if such
taxes are not then due and payable.

 

(b)                                 The
Borrower will not amend any financing statements in favor of the Lender except
as permitted by law.  Any authorization
by the Lender to any Person to amend financing statements in favor of the
Lender shall be in writing.

 

Section 6.4                                      Indebtedness.  The Borrower will not incur, create, assume
or permit to exist any indebtedness or liability on account of deposits or
advances or any indebtedness for borrowed money or letters of credit issued on
the Borrower’s behalf, or any other indebtedness or liability evidenced by
notes, bonds, debentures or similar obligations, except:

 

(a)                                  indebtedness
arising hereunder;

 

(b)                                 indebtedness
which is subordinated to the Obligations pursuant to a subordination agreement
in favor of the Lender in form and substance reasonably satisfactory to the
Lender;

 

(c)                                  indebtedness
incurred to trade creditors in the ordinary course of the Borrower’s business
consistent with past practices;

 

(d)                                 indebtedness
of the Borrower in existence on the date hereof and listed in Schedule 6.4
hereto;

 

(e)                                  indebtedness
relating to Permitted Liens; and

 

(f)                                    indebtedness
for capitalized leases which, in the aggregate, amount to less than $100,000
per year.

 

Section 6.5                                      Guaranties.  The Borrower will not assume, guarantee,
endorse or otherwise become directly or contingently liable in connection with
any obligations of any other Person, except:

 

38

 

(a)                                  the
endorsement of negotiable instruments by the Borrower for deposit or collection
or similar transactions in the ordinary course of business consistent with past
practices;

 

(b)                                 guaranties,
endorsements and other direct or contingent liabilities in connection with the
obligations of other Persons, in existence on the date hereof and listed in
Schedule 6.4 hereto; and

 

(c)                                  guaranties,
endorsements and other direct or contingent liabilities in connection with the
obligations of the Borrower’s Subsidiaries not listed in Schedule 6.4
hereto up to an aggregate amount of $5,000,000.

 

Section 6.6                                      Investments
and Subsidiaries.  Except as
provided in Section 6.18 or in connection with a contract to invest in
marketable securities, the Borrower will not purchase or hold beneficially any
stock or other securities or evidences of indebtedness of, make or permit to
exist any loans or advances to, or make any investment or acquire any interest
whatsoever in, any other Person, except:

 

(a)                                  investments
in direct obligations of the United States of America or any agency or instrumentality
thereof whose obligations constitute full faith and credit obligations of the
United States of America having a maturity of one year or less, commercial
paper issued by U.S.  corporations rated
“A-1” or “A-2” by Standard & Poor’s Corporation or “P-1” or “P-2” by
Moody’s Investors Service or certificates of deposit or bankers’ acceptances
having a maturity of one year or less issued by members of the Federal Reserve
System having deposits in excess of $100,000,000 (which certificates of deposit
or bankers’ acceptances are fully insured by the Federal Deposit Insurance
Corporation);

 

(b)                                 travel
advances or loans to the Borrower’s Owners, Directors, Officers, employees, and
other loans in the ordinary course of the Borrower’s business consistent with
past practices not exceeding at any one time an aggregate of $3,000,000;

 

(c)                                  advances
in the form of progress payments, prepaid rent not exceeding one month or
security deposits;

 

(d)                                 investments
in its Subsidiaries in existence on the date hereof and listed in
Schedule 5.5 hereto, and investments in new domestic Subsidiaries which
result from the merger or reorganization of two or more existing Subsidiaries
of the Borrower or the transfer of assets from the Borrower to such Subsidiary;
and

 

(e)                                  investments
or acquisitions of any interest in Persons which would be considered
unconsolidated subsidiaries (which may be corporations or other entities) of
the Borrower under GAAP not exceeding at any one time an aggregate of
$10,000,000; provided, however, that the line of business of any such Person
shall not materially differ from that presently engaged in by the Borrower.

 

For purposes of this Section 6.6, the term “marketable securities”
shall mean, (i) securities registered pursuant to the Securities Act of 1933 or
the Securities Act of 1934 which are publicly

 

39

 

traded on the New York Stock Exchange or NASDAQ Exchange, or (ii)
private securities in the aggregate of not more than $1,000,000.

 

Section 6.7                                      Dividends
and Distributions.  The Borrower
will not declare or pay any dividends (other than dividends payable solely in
stock of the Borrower) on any class of its stock or make any payment on account
of the purchase, redemption or other retirement of any shares of such stock or
make any distribution in respect thereof, either directly or indirectly.

 

Section 6.8                                      Books
and Records; Inspection and Examination. 
The Borrower will keep accurate books of record and account for itself
pertaining to the Collateral and pertaining to the Borrower’s business and
financial condition and such other matters as the Lender may from time to time
request in which true and complete entries will be made in accordance with GAAP
and, upon the Lender’s request and with reasonable notice, will permit (and
will cause its Affiliates to permit) any officer, employee, attorney or
accountant for the Lender to audit, review, make extracts from or copy any and
all company and financial books and records of the Borrower or any Affiliate at
all times during ordinary business hours, to send and discuss with account
debtors and other obligors requests for verification of amounts owed to the
Borrower, and to discuss the Borrower’s or any Affiliate’s affairs with any of
its Directors, Officers, employees or agents; provided, however,
as long as no Event of Default has occurred, the Lender will conduct at its own
cost no more than one audit per year. 
The Borrower hereby irrevocably authorizes (and shall cause its
Affiliates to authorize) all accountants and third parties to disclose and
deliver to Lender, at the Borrower’s or such Affiliate’s expense, all financial
information, books and records, work papers, management reports and other
information in their possession regarding the Borrower and any Affiliates.  Any such disclosures shall be without
liability to the Lender or to the Borrower’s or any such Affiliate’s
independent public accountants.  The
Borrower will permit the Lender, or its employees, accountants, attorneys or
agents, to examine and inspect any Collateral or any other property of the
Borrower with reasonable notice at any time during ordinary business hours.

 

Section 6.9                                      Account
Verification.

 

(a)                                  The
Lender may at any time and from time to time send or require the Borrower to
send requests for verification of accounts or notices of assignment to account
debtors and other obligors.  The Lender
may also at any time and from time to time during a Default Period telephone
account debtors and other obligors to verify accounts and send requests for
verification of accounts or notices of assignment to account debtors and other
obligors.

 

(b)                                 Subject
to Section 6.11, the Borrower shall pay when due each account payable due
to a Person holding a Permitted Lien (as a result of such payable) on any
Collateral.

 

40

 

Section 6.10                                Compliance
with Laws.

 

(a)                                  The
Borrower will (i) comply with the requirements of applicable laws and
regulations, the non-compliance with which would materially and adversely affect
its business or its financial condition and (ii) use and keep the
Collateral, and require that others use and keep the Collateral, only for
lawful purposes, without violation of any federal, state or local law, statute
or ordinance.

 

(b)                                 Without
limiting the foregoing undertakings, the Borrower specifically agrees that it
will comply with all applicable Environmental Laws and obtain and comply with
all permits, licenses and similar approvals required by any Environmental Laws,
and will not generate, use, transport, treat, store or dispose of any Hazardous
Substances in such a manner as to create any material liability or obligation
under the common law of any jurisdiction or any Environmental Law.

 

Section 6.11                                Payment
of Taxes and Other Claims.  The Borrower
will pay or discharge, when due, (a) all taxes, assessments and
governmental charges levied or imposed upon it or upon its income or profits,
upon any properties belonging to it (including the Collateral) or upon or
against the creation, perfection or continuance of the Security Interest, prior
to the date on which penalties attach thereto, (b) all federal, state and
local taxes required to be withheld by it, and (c) all lawful claims for
labor, materials and supplies which, if unpaid, might by law become a Lien upon
any properties of the Borrower; provided, that the Borrower shall not be
required to pay any such tax, assessment, charge or claim whose amount,
applicability or validity is being diligently contested in good faith by
appropriate proceedings and for which proper reserves have been made, so long
as the amount so contested is shown on the Borrower’s financial statements and
the contesting of any such payment does not give rise to a Lien.

 

Section 6.12                                Maintenance
of Properties.

 

(a)                                  The
Borrower will not use its property, or any part thereof, in any unlawful
business or for any unlawful purpose and will keep and maintain the Collateral
and all of its other properties necessary or useful in its business in good
condition, repair and working order (normal wear and tear excepted) and will
from time to time replace or repair any worn, defective or broken parts; provided,
however, that nothing in this Section 6.12 shall prevent the
Borrower from discontinuing the operation and maintenance of any of its
properties if such discontinuance is, in the Borrower’s judgment, desirable in
the conduct of the Borrower’s business and not disadvantageous in any material
respect to the Lender.  The Borrower
will take all commercially reasonable steps necessary to protect and maintain
its Intellectual Property Rights.

 

(b)                                 The
Borrower will defend the Collateral against all Liens, claims or demands of all
Persons (other than the Lender) claiming the Collateral or any interest
therein.  The Borrower will keep all Collateral
free and clear of all Liens except Permitted Liens.  The Borrower will take all commercially reasonable steps
necessary to prosecute any Person Infringing its material Intellectual Property
Rights and to defend itself against any Person accusing it of Infringing any

 

41

 

Person’s
Intellectual Property Rights.

 

Section 6.13                                Eligible
Accounts, Inventory and Equipment. 
Each Account or item of Inventory or Equipment which the Borrower shall,
expressly or by implication, request the Lender to classify as an eligible
Account, Inventory or Equipment, respectively, shall, as of the time when such
request is made, conform in all respects to the requirements of such
classification as set forth in the respective definitions of “Account”,
“Inventory” and “Equipment” as set forth herein and as otherwise established by
the Lender from time to time, and the Borrower shall promptly notify the Lender
in writing if any such Account, Inventory or Equipment shall subsequently
become ineligible.

 

Section 6.14                                Insurance.  The Borrower will obtain and at all times
maintain insurance with insurers believed by the Borrower to be responsible and
reputable, in such amounts and against such risks as may from time to time be
required by the Lender, but in all events in such amounts and against such
risks as is usually carried by companies engaged in similar business and owning
similar properties in the same general areas in which the Borrower operates.  Without limiting the generality of the
foregoing, the Borrower will at all times keep all tangible Collateral insured
against risks of fire (including so-called extended coverage), theft, collision
(for Collateral consisting of motor vehicles) and such other risks and in such
amounts as the Lender may reasonably request, with any loss payable to the
Lender to the extent of its interest, and all policies of such insurance shall
contain a lender’s loss payable endorsement for the Lender’s benefit.  All policies of liability insurance required
hereunder shall name the Lender as an additional insured.

 

Section 6.15                                Preservation
of Existence.  The Borrower will
preserve and maintain its existence and all of its rights, privileges and
franchises necessary or desirable in the normal conduct of its business and
shall conduct its business in an orderly, efficient and regular manner.

 

Section 6.16                                Delivery
of Instruments, etc.  Upon request
by the Lender, the Borrower will promptly deliver to the Lender in pledge all
instruments, documents and chattel paper constituting Collateral, duly endorsed
or assigned by the Borrower.

 

Section 6.17                                Sale
or Transfer of Assets; Suspension of Business Operations.  The Borrower will not sell, lease, assign,
transfer or otherwise dispose of, to any other Person, (i) the stock of
any Guarantor, (ii) all or a substantial part of its assets, or
(iii) any Collateral or any interest therein (whether in one transaction
or in a series of transactions) to any other Person other than (A) the sale of
Inventory in the ordinary course of the Borrower’s business consistent with
past practices, (B) the sale of damaged or obsolete Equipment or (C) the
transfer of Collateral to a domestic Subsidiary as long as, prior to such
transfer, the Lender holds

 

42

 

a perfected first-priority security interest in all of the personal
property of such Subsidiary pursuant to agreements, documents and instruments
acceptable to the Lender in its sole discretion.  The Borrower will not liquidate, dissolve or suspend business
operations.  The Borrower will not
transfer any part of its ownership interest in any Intellectual Property Rights
and will not permit any agreement under which it has licensed Licensed Intellectual
Property to lapse, except that the Borrower may transfer such rights or permit
such agreements to lapse if it shall have reasonably determined that the
applicable Intellectual Property Rights are no longer useful in its
business.  If the Borrower transfers any
Intellectual Property Rights for value, the Borrower will pay over the proceeds
to the Lender for application to the Obligations other than with respect to
transactions in the ordinary course of its business consistent with past
practices.  The Borrower will not
license any other Person (other than a Subsidiary of the Borrower) to use any
of the Borrower’s Intellectual Property Rights, except that the Borrower may
grant licenses in the ordinary course of its business consistent with past
practices in connection with provision of services to its customers.

 

Section 6.18                                Consolidation
and Merger; Asset Acquisitions.  The
Borrower will not (a) consolidate with or merge into any Person, or (b) permit
any other Person (other than a Subsidiary of the Borrower) to merge into it,
acquire (in a transaction analogous in purpose or effect to a consolidation or
merger) all of the equity or all or substantially all the assets of any other
Person (other than a Subsidiary of the Borrower) for consideration in excess of
$10,000,000 per such transaction; provided, however, the Borrower
may permit another Person (other than a Subsidiary of the Borrower) to merge
into it or acquire all of the equity or all or substantially all of the assets
of another Person for consideration in excess of $10,000,000 if (i) such stock
purchase relates to the Borrower’s employee stock purchase plan, or (ii) the
Borrower provides to the Lender a certificate of the Borrower’s chief financial
officer, substantially in the form of Exhibit B hereto for the most recent
month end period not less than twenty (20) days prior to closing the
transaction, certifying compliance with the terms and conditions of this
Agreement after giving effect to the anticipated transaction (including without
limitation proforma income and balance sheet projections of the consolidated
companies and a one (1) year cash flow projection).

 

Section 6.19                                Guarantees.  The Borrower shall promptly (but in any case
no more than 30 days after the occurrence of any such event) obtain guarantees,
in form and substance acceptable to the Lender, from each domestic Subsidiary
of the Borrower that results from merger, acquisition, creation or otherwise
after the date hereof, together with corporate or company resolutions of each
such Guarantor authorizing such Guarantor to enter into the guarantee in form
and substance acceptable to the Lender.

 

Section 6.20                                Sale
and Leaseback.  The Borrower will
not enter into any arrangement, directly or indirectly, with any other Person
whereby the Borrower shall sell or transfer any real or personal property,
whether now owned or hereafter acquired, and then or thereafter rent or lease
as lessee such property or any

 

43

 

part thereof or any other property which the Borrower intends to use
for substantially the same purpose or purposes as the property being sold or
transferred.

 

Section 6.21                                Restrictions
on Nature of Business.  The Borrower
will not engage in any line of business materially different from that
presently engaged in by the Borrower and will not purchase, lease or otherwise
acquire assets not related to its business.

 

Section 6.22                                Accounting.  The Borrower will not adopt any material
change in accounting principles other than those allowable by GAAP.  The Borrower will not adopt, permit or
consent to any change in its fiscal year without giving the Lender prior
written notice thereof.

 

Section 6.23                                Discounts,
etc.  During a Default Period and
after notice from the Lender, the Borrower will not grant any discount, credit
or allowance to any customer of the Borrower or accept any return of goods
sold.  During a Default Period, the
Borrower will not at any time modify, amend, subordinate, cancel or terminate
the obligation of any account debtor or other obligor of the Borrower.

 

Section 6.24                                Plans.  Unless disclosed to the Lender pursuant to
Section 5.13, neither the Borrower nor any ERISA Affiliate will (i) adopt,
create, assume or become a party to any Pension Plan, (ii) incur any obligation
to contribute to any Multiemployer Plan, (iii) incur any obligation to provide
post-retirement medical or insurance benefits with respect to employees or
former employees (other than benefits required by law) or (iv) amend any Plan
in a manner that would materially increase its funding obligations.

 

Section 6.25                                Place
of Business; Name.  The Borrower
will not transfer its chief executive office or principal place of business or
sell any business location without giving the Lender at least ten (10) days’
prior written notice.  The Borrower will
not permit any tangible Collateral or any records pertaining to the Collateral
to be located in any state or area in which, in the event of such location, a
financing statement covering such Collateral would be required to be, but has
not in fact been, filed in order to perfect the Security Interest.  The Borrower will not change its name or
jurisdiction of organization without giving the Lender at least ten (10) days’
prior written notice.

 

Section 6.26                                Transactions
with Affiliates.  The Borrower is
not conducting, permitting or suffering to be conducted, nor shall it conduct,
permit or suffer to be conducted, any activities or transactions with any
Affiliate of the Borrower; provided, however, that the Borrower
may enter into transactions with Subsidiaries and Affiliates of the Borrower in
the ordinary course of the Borrower’s business consistent with

 

44

 

past practices.

 

Section 6.27                                Constituent
Documents.  The Borrower will not
amend its Constituent Documents without giving the Lender prior written notice
thereof.

 

Section 6.28                                Performance
by the Lender.  If the Borrower at
any time fails to perform or observe any of the foregoing covenants contained
in this Article VI or elsewhere herein, and if such failure shall continue
for a period of ten calendar days after the Lender gives the Borrower written
notice thereof (or in the case of the agreements contained in Section 6.11
and Section 6.14, immediately upon the occurrence of such failure, without
notice or lapse of time), the Lender may, but need not, perform or observe such
covenant on behalf and in the name, place and stead of the Borrower (or, at the
Lender’s option, in the Lender’s name) and may, but need not, take any and all
other actions which the Lender may reasonably deem necessary to cure or correct
such failure (including the payment of taxes, the satisfaction of Liens, the
performance of obligations owed to account debtors or other obligors, the
procurement and maintenance of insurance, the execution of assignments,
security agreements and financing statements, the endorsement of instruments
and the qualification and licensing of the Borrower to do business in any
jurisdiction); and the Borrower shall thereupon pay to the Lender on demand the
amount of all monies expended and all costs and expenses (including reasonable
attorneys’ fees and legal expenses) incurred by the Lender in connection with
or as a result of the performance or observance of such agreements or the
taking of such action by the Lender, together with interest thereon from the
date expended or incurred at the Default Rate. 
To facilitate the Lender’s performance or observance of such covenants
of the Borrower, the Borrower hereby irrevocably appoints the Lender, or the
Lender’s delegate, acting alone, as the Borrower’s attorney in fact (which
appointment is coupled with an interest) with the right (but not the duty) from
time to time to create, prepare, complete, execute, deliver, endorse or file in
the name and on behalf of the Borrower any and all instruments, documents,
assignments, security agreements, financing statements, applications for
insurance and other agreements and writings required to be obtained, executed,
delivered or endorsed by the Borrower under this Section 6.28.

 

ARTICLE
VII

 

EVENTS OF DEFAULT,
RIGHTS AND REMEDIES

 

Section 7.1                                      Events
of Default.  “Event of Default”,
wherever used herein, means the occurrence of any one or more of the following
events, unless the same is cured within ten (10) days (unless otherwise
specifically provided):

 

(a)                                  Default
in the payment of any Obligations when they become due and payable, are
declared due, or are demanded by the Lender, and the continuance of such
default for a period of three days

 

45

 

after
the Lender delivers to the Borrower written notice of such default;

 

(b)                                 Default
in the performance, or breach, of any covenant or agreement of the Borrower
contained in this Agreement, other than the Financial Covenants, and the continuance
of such default for a period of thirty days after the Lender delivers to the
Borrower written notice of such default;

 

(c)                                  Default
in the performance, or breach, of any Financial Covenant;

 

(d)                                 Any Person or “group” (as such term is used in Sections 13(d) and 14(d) of the
Securities Exchange Act of 1934) is or becomes the “beneficial owner” (as
defined in Rules 13d-3 and 13d-5 under the Securities Exchange Act of 1934,
except that a Person will be deemed to have “beneficial ownership” of all securities
that such Person has the right to acquire, whether such right is exercisable
immediately or only after the passage of time), directly or indirectly, of more
than 50% percent of the voting power of all classes of voting stock of the
Borrower;

 

(e)                                  Default
in the performance, or breach, by the Borrower of any covenant, condition or
agreement relating to the Borrower’s operating leases (wherein such default
would reasonably be expected to create a liability in excess of $250,000) or in
any other lease wherein the Borrower is a party;

 

(f)                                    The
Borrower or any Guarantor shall be or become insolvent, or admit in writing its
or his inability to pay its or his debts as they mature, or make an assignment
for the benefit of creditors; or the Borrower or any Guarantor shall apply for
or consent to the appointment of any receiver, trustee, or similar officer for
it or him or for all or any substantial part of its or his property; or such
receiver, trustee or similar officer shall be appointed without the application
or consent of the Borrower or such Guarantor, as the case may be; or the
Borrower or any Guarantor shall institute (by petition, application, answer,
consent or otherwise) any bankruptcy, insolvency, reorganization, arrangement,
readjustment of debt, dissolution, liquidation or similar proceeding relating
to it or him under the laws of any jurisdiction; or any such proceeding shall
be instituted (by petition, application or otherwise) against the Borrower or
any such Guarantor; or any judgment, writ, warrant of attachment or execution
or similar process shall be issued or levied against a substantial part of the
property of the Borrower or any Guarantor; provided, however,
that if such commencement of proceedings against the Borrower or any Guarantor
is involuntary and the Borrower or such Guarantor is contesting such
proceedings in good faith, such action shall not constitute an Event of Default
unless such proceedings are not dismissed within thirty (30) days after the
commencement of such proceedings;

 

(g)                                 A
petition shall be filed by or against the Borrower or any Guarantor under the
United States Bankruptcy Code naming the Borrower or such Guarantor as debtor; provided,
however, that if such commencement of proceedings against the Borrower
or any Guarantor is involuntary and the Borrower or such Guarantor is
contesting such proceedings in good faith, such action shall not constitute an
Event of Default unless such proceedings are not dismissed within thirty (30)
days after the commencement of such proceedings;

 

(h)                                 Any
representation or warranty made by the Borrower in this Agreement, by any
Guarantor in any guaranty delivered to the Lender, or by the Borrower (or any
of its Officers) or any Guarantor in any agreement, certificate, instrument or
financial statement or other statement contemplated

 

46

 

by or
made or delivered pursuant to or in connection with this Agreement or any such
guaranty shall prove to have been untrue or misleading in any material respect
when deemed to be effective;

 

(i)                                     The
rendering against the Borrower of an arbitration award, final judgment, decree
or order for the payment of money and the continuance of such arbitration
award, judgment, decree or order unsatisfied and in effect for any period of
30 consecutive days without a stay of execution;

 

(j)                                     A
default under any bond, debenture, note or other evidence of material
indebtedness of the Borrower owed to any Person other than the Lender, or under
any indenture or other instrument under which any such evidence of indebtedness
has been issued or by which it is governed, or under any material lease or
other contract, and the expiration of the applicable period of grace, if any,
specified in such evidence of indebtedness, indenture, other instrument, lease
or contract;

 

(k)                                  Any
Reportable Event, which the Lender determines in good faith might constitute
grounds for the termination of any Pension Plan or for the appointment by the
appropriate United States District Court of a trustee to administer any Pension
Plan, shall have occurred and be continuing 30 days after written notice
to such effect shall have been given to the Borrower by the Lender; or a
trustee shall have been appointed by an appropriate United States District Court
to administer any Pension Plan; or the Pension Benefit Guaranty Corporation
shall have instituted proceedings to terminate any Pension Plan or to appoint a
trustee to administer any Pension Plan; or the Borrower or any ERISA Affiliate
shall have filed for a distress termination of any Pension Plan under Title IV
of ERISA; or the Borrower or any ERISA Affiliate shall have failed to make any
quarterly contribution required with respect to any Pension Plan under
Section 412(m) of the IRC, which the Lender determines in good faith may
by itself, or in combination with any such failures that the Lender may
determine are likely to occur in the future, result in the imposition of a Lien
on the Borrower’s assets in favor of the Pension Plan; or any withdrawal,
partial withdrawal, reorganization or other event occurs with respect to a
Multiemployer Plan which results or could reasonably be expected to result in a
material liability of the Borrower to the Multiemployer Plan under Title IV of
ERISA;

 

(l)                                     An
event of default shall occur under any Security Document;

 

(m)                               The
Borrower shall liquidate, dissolve, terminate or suspend its business
operations or otherwise fail to operate its business in the ordinary course
consistent with past practices, or sell or attempt to sell all or substantially
all of its assets, without the Lender’s prior written consent;

 

(n)                                 Default
in the payment of any amount owed by the Borrower to the Lender other than any
indebtedness arising hereunder;

 

(o)                                 Any
Guarantor in favor of the Lender shall repudiate, purport to revoke or fail to
perform its obligations under such guaranty, any individual Guarantor shall die
or any other Guarantor shall cease to exist;

 

(p)                                 The
Borrower shall take or participate in any action which would be prohibited
under the provisions of any Subordination Agreement or make any payment on the
Subordinated

 

47

 

Indebtedness
(as defined in the Subordination Agreement) that any Person was not entitled to
receive under the provisions of the Subordination Agreement;

 

(q)                                 Any
breach, default or event of default by or attributable to any Affiliate under
any agreement between such Affiliate and the Lender shall occur; or

 

(r)                                    The
institution in any court of a criminal proceeding against the Borrower or any
Guarantor involving crimes of moral turpitude, or the indictment of the
Borrower or any Guarantor for any such crime.

 

Section 7.2                                      Rights
and Remedies.  During any Default
Period, the Lender may exercise any or all of the following rights and
remedies:

 

(a)                                  the
Lender may, by notice to the Borrower, declare the Commitment to be terminated,
whereupon the same shall forthwith terminate;

 

(b)                                 the
Lender may, by notice to the Borrower, declare the Obligations to be forthwith
due and payable, whereupon all Obligations shall become and be forthwith due
and payable, without presentment, notice of dishonor, protest or further notice
of any kind, all of which the Borrower hereby expressly waives;

 

(c)                                  the
Lender may, without notice to the Borrower and without further action, apply
any and all money owing by the Lender to the Borrower to the payment of the
Obligations;

 

(d)                                 the
Lender may exercise and enforce any and all rights and remedies available upon
default to a secured party under the UCC, including the right to take
possession of Collateral, or any evidence thereof, proceeding without judicial
process or by judicial process (without a prior hearing or notice thereof,
which the Borrower hereby expressly waives) and the right to sell, lease or
otherwise dispose of any or all of the Collateral (with or without giving any
warranties as to the Collateral, title to the Collateral or similar
warranties), and, in connection therewith, the Borrower will on demand assemble
the Collateral and make it available to the Lender at a place to be designated
by the Lender which is reasonably convenient to both parties;

 

(e)                                  the
Lender may make demand upon the Borrower and, forthwith upon such demand, the
Borrower will pay to the Lender in immediately available funds for deposit in
the Special Account pursuant to Section 2.14 an amount equal to the
aggregate maximum amount available to be drawn under all Letters of Credit then
outstanding, assuming compliance with all conditions for drawing thereunder;

 

(f)                                    the
Lender may exercise and enforce its rights and remedies under the Loan
Documents; and

 

(g)                                 the
Lender may exercise any other rights and remedies available to it by law or
agreement.

 

Notwithstanding the foregoing, upon the occurrence of an Event of
Default described in Section 7.1(f) or Section 7.1(g), the
Obligations shall be immediately due and payable automatically

 

48

 

without presentment, demand, protest or notice of any kind.  If the Lender sells any of the Collateral on
credit, the Obligations will be reduced only to the extent of payments actually
received.  If the purchaser fails to pay
for the Collateral, the Lender may resell the Collateral and shall apply any
proceeds actually received to the Obligations.

 

Section 7.3                                      Certain
Notices.  If notice to the Borrower
of any intended disposition of Collateral or any other intended action is
required by law in a particular instance, such notice shall be deemed
commercially reasonable if given (in the manner specified in Section 8.3)
at least ten calendar days before the date of intended disposition or other
action.

 

ARTICLE
VIII

 

MISCELLANEOUS

 

Section 8.1                                      No
Waiver; Cumulative Remedies; Compliance with Laws.  No failure or delay by the Lender in
exercising any right, power or remedy under the Loan Documents shall operate as
a waiver thereof; nor shall any single or partial exercise of any such right,
power or remedy preclude any other or further exercise thereof or the exercise
of any other right, power or remedy under the Loan Documents.  The remedies provided in the Loan Documents
are cumulative and not exclusive of any remedies provided by law.  The Lender may comply with any applicable
state or federal law requirements in connection with a disposition of the
Collateral and such compliance will not be considered adversely to affect the
commercial reasonableness of any sale of the Collateral.

 

Section 8.2                                      Amendments,
Etc.  No amendment, modification,
termination or waiver of any provision of any Loan Document or consent to any
departure by the Borrower therefrom or any release of a Security Interest shall
be effective unless the same shall be in writing and signed by the Lender, and
then such waiver or consent shall be effective only in the specific instance and
for the specific purpose for which given. 
No notice to or demand on the Borrower in any case shall entitle the
Borrower to any other or further notice or demand in similar or other
circumstances.

 

Section 8.3                                      Addresses
for Notices; Requests for Accounting. 
Except as otherwise expressly provided herein, all notices, requests,
demands and other communications provided for under the Loan Documents shall be
in writing and shall be (a) personally delivered, (b) sent by first
class United States mail, (c) sent by overnight courier of national
reputation, or (d) transmitted by telecopy, in each case addressed or
telecopied to the party to whom notice is being given at its address or
telecopier number as set forth below next to its signature or, as to each party,
at such other address or telecopier number as may hereafter be designated by
such party in a written notice to the other party complying as to delivery with
the terms of this Section.  All such
notices, requests, demands and other communications shall be deemed to have
been given on (a) the date received if personally delivered, (b) when
deposited in

 

49

 

the mail if delivered by mail, (c) the date sent if delivered by
overnight courier, or (d) the date of transmission if delivered by
telecopy, except that notices or requests delivered to the Lender pursuant to
any of the provisions of Article II shall not be effective until received
by the Lender.  All requests under
Section 9-210 of the UCC (i) shall be made in a writing signed by a
Person authorized under Section 2.2(b), (ii) shall be personally
delivered, sent by registered or certified mail, return receipt requested, or
by overnight courier of national reputation, (iii) shall be deemed to be
sent when received by the Lender and (iv) shall otherwise comply with the
requirements of Section 9-210.  The
Borrower requests that the Lender respond to all such requests which on their
face appear to come from an authorized individual and releases the Lender from
any liability for so responding.  The
Borrower shall pay the Lender the maximum amount allowed by law for responding
to such requests.

 

Section 8.4                                      Further
Documents.  The Borrower will from
time to time execute, deliver, endorse and authorize the filing of any and all
instruments, documents, conveyances, assignments, security agreements,
financing statements, control agreements and other agreements and writings that
the Lender may reasonably request in order to secure, protect, perfect or
enforce the Security Interest or the Lender’s rights under the Loan Documents
(but any failure to request or assure that the Borrower executes, delivers,
endorses or authorizes the filing of any such item shall not affect or impair
the validity, sufficiency or enforceability of the Loan Documents and the
Security Interest, regardless of whether any such item was or was not executed,
delivered or endorsed in a similar context or on a prior occasion).

 

Section 8.5                                      Costs
and Expenses.  The Borrower shall
pay on demand all costs and expenses, including reasonable attorneys’ fees,
incurred by the Lender in connection with the Obligations, this Agreement, the
Loan Documents, any Letter of Credit and any other document or agreement
related hereto or thereto, and the transactions contemplated hereby, including
all such costs, expenses and fees incurred in connection with the negotiation,
preparation, execution, amendment, administration, performance, collection and
enforcement of the Obligations and all such documents and agreements and the
creation, perfection, protection, satisfaction, foreclosure or enforcement of
the Security Interest.

 

Section 8.6                                      Indemnity.  In addition to the payment of expenses
pursuant to Section 8.5, the Borrower shall indemnify, defend and hold
harmless the Lender, and any of its participants, parent corporations,
subsidiary corporations, affiliated corporations, successor corporations, and
all present and future officers, directors, employees, attorneys and agents of
the foregoing (the “Indemnitees”) from and against any of the following
(collectively, “Indemnified Liabilities”):

 

(i)                                     any
and all transfer taxes, documentary taxes, assessments or charges made by any
governmental authority by reason of the execution and delivery of the Loan
Documents or the making of the Advances;

 

50

 

(ii)                                  any
claims, loss or damage to which any Indemnitee may be subjected if any
representation or warranty contained in Section 5.15 proves to be
incorrect in any respect or as a result of any violation of the covenant
contained in Section 6.10(b); and

 

(iii)                               any
and all other liabilities, losses, damages, penalties, judgments, suits,
claims, costs and expenses of any kind or nature whatsoever (including the
reasonable fees and disbursements of counsel) in connection with the foregoing
and any other investigative, administrative or judicial proceedings, whether or
not such Indemnitee shall be designated a party thereto, which may be imposed
on, incurred by or asserted against any such Indemnitee, in any manner related
to or arising out of or in connection with the making of the Advances and the
Loan Documents or the use or intended use of the proceeds of the Advances.

 

If any investigative, judicial or administrative proceeding arising
from any of the foregoing is brought against any Indemnitee, upon such
Indemnitee’s request, the Borrower, or counsel designated by the Borrower and
satisfactory to the Indemnitee, will resist and defend such action, suit or
proceeding to the extent and in the manner directed by the Indemnitee, at the
Borrower’s sole costs and expense.  Each
Indemnitee will use its best efforts to cooperate in the defense of any such
action, suit or proceeding.  If the
foregoing undertaking to indemnify, defend and hold harmless may be held to be
unenforceable because it violates any law or public policy, the Borrower shall
nevertheless make the maximum contribution to the payment and satisfaction of
each of the Indemnified Liabilities which is permissible under applicable
law.  The Borrower’s obligation under
this Section 8.6 shall survive the termination of this Agreement and the
discharge of the Borrower’s other obligations hereunder.

 

Section 8.7                                      Participants.  The Lender and its participants, if any, are
not partners or joint venturers, and the Lender shall not have any liability or
responsibility for any obligation, act or omission of any of its
participants.  All rights and powers
specifically conferred upon the Lender may be transferred or delegated to any
of the Lender’s participants, successors or assigns.

 

Section 8.8                                      Execution
in Counterparts; Telefacsimile Execution. 
This Agreement and other Loan Documents may be executed in any number of
counterparts, each of which when so executed and delivered shall be deemed to
be an original and all of which counterparts, taken together, shall constitute
but one and the same instrument. 
Delivery of an executed counterpart of this Agreement by telefacsimile
shall be equally as effective as delivery of an original executed counterpart
of this Agreement.  Any party delivering
an executed counterpart of this Agreement by telefacsimile also shall deliver
an original executed counterpart of this Agreement but the failure to deliver
an original executed counterpart shall not affect the validity, enforceability,
and binding effect of this Agreement.

 

Section 8.9                                      Retention
of Borrower’s Records.  The Lender
shall have no obligation to maintain any electronic records or any documents,
schedules, invoices, agings, or other papers delivered to the Lender by the
Borrower

 

51

 

or in connection with the Loan Documents for more than four months
after receipt by the Lender.

 

Section 8.10                                Binding
Effect; Assignment; Complete Agreement; Exchanging Information.  The Loan Documents shall be binding upon and
inure to the benefit of the Borrower and the Lender and their respective
successors and assigns, except that the Borrower shall not have the right to
assign its rights thereunder or any interest therein without the Lender’s prior
written consent.  This Agreement shall
also bind all Persons who become a party to this Agreement as a borrower.  This Agreement, together with the Loan
Documents, comprises the complete and integrated agreement of the parties on
the subject matter hereof and supersedes all prior agreements, written or oral,
on the subject matter hereof.  Without
limiting the Lender’s right to share information regarding the Borrower and its
Affiliates with the Lender’s participants, accountants, lawyers and other
advisors, the Lender, Wells Fargo & Company, and all direct and indirect
subsidiaries of Wells Fargo & Company, other than Wells Fargo Securities,
Inc., may exchange any and all information they may have in their possession
regarding the Borrower and its Affiliates, and the Borrower waives any right of
confidentiality it may have with respect to such exchange of such information.

 

Section 8.11                                Confidentiality
of Information.  Except as provided
in Section 8.10, the Lender shall use reasonable efforts to assure that
information about the Borrower, its Subsidiaries and their operations, affairs
and financial condition, not generally disclosed to the public or to trade and
other creditors, which is furnished to the Lender pursuant to the provisions
hereof is used only for the purposes of this Agreement and any other
relationship between the Lender and the Borrower and shall not be divulged to
any Person other than the Lender’s affiliates and their respective officers,
directors, employees and agents, except: 
(a) to their attorneys and accountants, (b) in connection with the
enforcement of the rights of the Lender under the Loan Documents or otherwise
in connection with applicable litigation, (c) in connection with assignments
and participations and the solicitation of prospective assignees and
participants, (d) if such information is generally available to the public
other then as a result of disclosure by the Lender, (e) to any direct or
indirect contractual counterparty in any hedging arrangement or such
contractual counterparty’s professional advisor, (f) to any nationally
recognized rating agency that requires information about the Lender’s
investment portfolio in connection with ratings issued with respect to the
Lender, (g) in connection with confidential information related to the tax
treatment and tax structure of the transactions contemplated by the Loan
Documents and all materials of any kind (including opinions or other tax
analyses) that are provided to the Lender relating to such tax treatment and
tax structure to the extent that such disclosure complies with any applicable
federal or state securities laws, and (h) as may otherwise be  required or requested by any regulatory
authority having jurisdiction over the Lender or by any applicable law, rule,
regulation or judicial process, the opinion of the Lender’s counsel concerning
the making of such disclosure to be binding on the parties hereto.  Neither the Agent nor any Bank shall incur any
liability to any Borrower by reason of any disclosure permitted by this
Section 8.11.

 

52

 

Section 8.12                                Severability
of Provisions.  Any provision of
this Agreement which is prohibited or unenforceable shall be ineffective to the
extent of such prohibition or unenforceability without invalidating the
remaining provisions hereof.

 

Section 8.13                                Headings.  Article, Section and
subsection headings in this Agreement are included herein for convenience
of reference only and shall not constitute a part of this Agreement for any
other purpose.

 

Section 8.14                                Governing
Law; Jurisdiction, Venue; Waiver of Jury Trial.  The Loan Documents shall be governed by and construed in
accordance with the substantive laws (other than conflict laws) of the State of
Colorado.  The parties hereto hereby
(i) consent to the personal jurisdiction of the state and federal courts
located in the State of Colorado in connection with any controversy related to
this Agreement; (ii) waive any argument that venue in any such forum is
not convenient; (iii) agree that any litigation initiated by the Lender or
the Borrower in connection with this Agreement or the other Loan Documents may
be venued in either the state or federal courts located in the City and County
of Denver, Colorado; and (iv) agree that a final judgment in any such
suit, action or proceeding shall be conclusive and may be enforced in other
jurisdictions by suit on the judgment or in any other manner provided by
law.  THE PARTIES WAIVE ANY RIGHT TO TRIAL BY
JURY IN ANY ACTION OR PROCEEDING BASED ON OR PERTAINING TO THIS AGREEMENT OR
ANY OTHER LOAN DOCUMENT.

 

[The remainder of this page intentionally left blank.]

 

53

 

IN WITNESS WHEREOF, the parties hereto have caused
this Agreement to be executed by their respective officers thereunto duly
authorized as of the date first above written.

 

 

	
  CIBER, Inc.

  	
  CIBER, INC.

  
	
  5251 DTC Parkway, Suite 1400

  	
   

  
	
  Greenwood Village, Colorado  80111

  	
   

  
	
  Telecopier: 
  (303) 267-3899

  	
  By:

  	
   

  	
   

  
	
  Attention:  David G. Durham

  	
  Name:

  	
  David G. Durham

  
	
  e-mail: 
  ddurham@ciber.com

  	
  Its:

  	
  Chief Financial Officer

  
	
   

  	
   

  
	
  Wells Fargo Bank, National Association

  MAC C7301-037

  	
  WELLS FARGO BANK, NATIONAL

  ASSOCIATION

  
	
  1740 Broadway

  	
   

  
	
  Denver, Colorado 
  80274

  	
  By:

  	
   

  	
   

  
	
  Telecopier: 
  (303) 863-6670

  	
  Name:

  	
  John R. Hall

  
	
  Attention: 
  John R. Hall

  	
  Its:

  	
  Vice President

  
	
  e-mail: john.hall@wellsfargo.com

  	
   

  
							

 

54

 

Table of
Exhibits and Schedules

 

	
  Exhibit A

  	
  Form of Revolving Note

  
	
   

  	
   

  
	
  Exhibit B

  	
  Compliance Certificate

  
	
   

  	
   

  
	
  Exhibit C

  	
  Form of Notice of
  Borrowing

  
	
   

  	
   

  
	
  Exhibit D

  	
  Form of Notice of
  Conversion of Advances

  
	
   

  	
   

  
	
  Exhibit E

  	
  Form of Notice to Continue
  LIBOR Rate Advances

  
	
   

  	
   

  
	
  Schedule 5.1

  	
  Trade Names, Chief Executive Office, Principal Place
  of Business, and Locations of Collateral

  
	
   

  	
   

  
	
  Schedule 5.2

  	
  Capitalization and Organizational Chart

  
	
   

  	
   

  
	
  Schedule 5.5

  	
  Subsidiaries

  
	
   

  	
   

  
	
  Schedule 5.11

  	
  Intellectual Property Disclosures

  
	
   

  	
   

  
	
  Schedule 6.3

  	
  Permitted Liens

  
	
   

  	
   

  
	
  Schedule 6.4

  	
  Permitted Indebtedness and Guaranties

  

 

55

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00055-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00055-of-00352.parquet"}]]