<SUBMISSION>
<ACCESSION-NUMBER>0001084961-03-000071
<TYPE>DEF 14A
<PUBLIC-DOCUMENT-COUNT>2
<PERIOD>20031118
<FILING-DATE>20031027
<EFFECTIVENESS-DATE>20031027
<FILER>
<COMPANY-DATA>
<CONFORMED-NAME>ENCORE CAPITAL GROUP INC
<CIK>0001084961
<ASSIGNED-SIC>6153
<IRS-NUMBER>481090909
<STATE-OF-INCORPORATION>DE
<FISCAL-YEAR-END>1231
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>DEF 14A
<ACT>34
<FILE-NUMBER>000-26489
<FILM-NUMBER>03957379
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>5775 ROSECOE COURT
<CITY>SAN DIEGO
<STATE>CA
<ZIP>92123
<PHONE>8007590327
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>5775 ROSCOE COURT
<CITY>SAN DIEGO
<STATE>CA
<ZIP>92123
</MAIL-ADDRESS>
<FORMER-COMPANY>
<FORMER-CONFORMED-NAME>MCM CAPITAL GROUP INC
<DATE-CHANGED>19990430
</FORMER-COMPANY>
<FORMER-COMPANY>
<FORMER-CONFORMED-NAME>MIDLAND CORP OF KANSAS
<DATE-CHANGED>19990423
</FORMER-COMPANY>
</FILER>
<DOCUMENT>
<TYPE>DEF 14A
<SEQUENCE>1
<FILENAME>proxy2003.htm
<DESCRIPTION>PROXY 2003
<TEXT>
<HTML>
<HEAD>
<TITLE>Proxy 2003</TITLE>
</HEAD>
<BODY>







<!-- MARKER FORMAT-SHEET="Head Minor Center-TNR" FSL="Default" -->
<A NAME=A001></A>
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>SCHEDULE 14A <BR><BR>

                           Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934</FONT></P>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Default" -->
<A NAME=A002></A>
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Filed by the Registrant&nbsp;&nbsp;&nbsp;&nbsp;
[X] </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Minor Center-TNR" FSL="Project" -->
<P ALIGN=left><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Filed by a Party Other
than the Registrant&nbsp;&nbsp;&nbsp;&nbsp;  [_] </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Check the appropriate box: </FONT></P>





<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM">
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="1"></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="1"></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="50%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">[ &nbsp; ]&nbsp;  Preliminary Proxy Statement </FONT></TD>
     <TD WIDTH="50%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">[_&nbsp;] &nbsp;   Confidential, for Use of the<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commission Only (as
<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;permitted by Rule 14a-6(e)(2)) </FONT></TD></TR>
</TABLE>


<!-- MARKER FORMAT-SHEET="Para (List) Flush Lv 0- TNR" FSL="Project" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>[X]&nbsp;&nbsp;&nbsp;&nbsp;
          Definitive Proxy Statement </FONT></P>

<!-- MARKER FORMAT-SHEET="Para (List) Flush Lv 0- TNR" FSL="Project" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>[_]&nbsp;&nbsp;&nbsp;&nbsp;
          Definitive Additional Materials </FONT></P>

<!-- MARKER FORMAT-SHEET="Para (List) Flush Lv 0- TNR" FSL="Project" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>[_]&nbsp;&nbsp;&nbsp;&nbsp;
          Soliciting Material Pursuant to &sect;240.14a-12 </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->
<A NAME=A003></A>
<p ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2><B>ENCORE CAPITAL GROUP,
INC.</B> <BR>

(Name of Registrant as
Specified in Its Charter) </FONT><p>

<!-- MARKER FORMAT-SHEET="Para Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Payment
of Filing Fee (check the appropriate box): </FONT></P>

<!-- MARKER FORMAT-SHEET="Para (List) Hang Lv 0-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>[X]</FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;          No
fee required.  </FONT></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para (List) Hang Lv 0-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>[_]</FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;          Fee
computed on table below per Exchange Act Rules 14a-6(i)(1) and 0-11.  </FONT></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para (List) Hang LV 1-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(1) </FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>          Title
of each series of securities to which transaction applies:  </FONT></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para (List) Hang LV 1-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(2)  </FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Aggregate
number of securities to which transaction applies:  </FONT></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para (List) Hang LV 1-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(3)  </FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Per
unit price or other underlying value of transaction computed pursuant to
               Exchange Act Rule 0-11 (Set forth the amount on which the filing fee is
               calculated and state how it was determined):  </FONT></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para (List) Hang LV 1-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(4)  </FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Proposed
maximum aggregate value of transaction:  </FONT></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para (List) Hang LV 1-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>  </FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$  </FONT></TD>
</TR>
</TABLE>
<BR>





<!-- MARKER FORMAT-SHEET="Para (List) Hang LV 1-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(5) </FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>         Total
fee paid:  </FONT></TD>
</TR>
</TABLE>
<BR>



<!-- MARKER FORMAT-SHEET="Para (List) Hang LV 1-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>  </FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$  </FONT></TD>
</TR>
</TABLE>
<BR>




<!-- MARKER FORMAT-SHEET="Para (List) Hang Lv 0-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>[_] </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Fee
paid previously with preliminary materials.  </FONT></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para (List) Hang Lv 0-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>[_] </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Check
box if any part of the fee is offset as provided by Exchange Act Rule
          0-11(a)(2) and identify the filing for which the offsetting fee was paid
          previously. Identify the previous filing by registration statement number, or
          the Form or Schedule and the date of its filing.  </FONT></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para (List) Flush Lv 0- TNR" FSL="Project" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(1)&nbsp;&nbsp;&nbsp;&nbsp;
          Amount previously paid: </FONT></P>

<!-- MARKER FORMAT-SHEET="Para (List) Flush Lv 0- TNR" FSL="Project" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(2)&nbsp;&nbsp;&nbsp;&nbsp;
          Form, Schedule or Registration Statement No.: </FONT></P>

<!-- MARKER FORMAT-SHEET="Para (List) Flush Lv 0- TNR" FSL="Project" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(3)&nbsp;&nbsp;&nbsp;&nbsp;
          Filing Party: </FONT></P>

<!-- MARKER FORMAT-SHEET="Para (List) Flush Lv 0- TNR" FSL="Project" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(4)&nbsp;&nbsp;&nbsp;&nbsp;
          Date Filed: </FONT></P>

<BR>
<HR SIZE=1 NOSHADE color=black>
<BR>


<!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->
<A NAME=A005></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=4>ENCORE CAPITAL GROUP,
INC. </FONT></H1>

<!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->
<A NAME=A006></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>NOTICE OF ANNUAL
MEETING OF STOCKHOLDERS <BR>TO BE HELD ON NOVEMBER
18, 2003 </FONT></H1>


<HR align=center width=35% SIZE=1 color=black NOSHADE>
<HR align=center width=35% SIZE=1  NOSHADE>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<A NAME=A008></A>
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>To Our Stockholders: </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The 2003 annual meeting of
Stockholders of Encore Capital Group, Inc.<B> </B>(the &#147;Company&#148;) will be held
at the offices of Jefferies &amp; Company, Inc., 520 Madison Avenue, New York, New York
10022, on November 18, 2003, beginning at 5:00 p.m. local time. The annual meeting is
being held for the following purposes: </FONT></P>

<!-- MARKER FORMAT-SHEET="Para (List) Indent Lv 0- TNR" FSL="Project" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
          To elect 9 directors, each for a term of one year; </FONT></P>

<!-- MARKER FORMAT-SHEET="Para (List) Indent Lv 0- TNR" FSL="Project" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
          To ratify the appointment of BDO Seidman, LLP as the Company&#146;s independent
          auditors for fiscal 2003; and </FONT></P>

<!-- MARKER FORMAT-SHEET="Para (List) Indent Lv 0- TNR" FSL="Project" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
          To transact such other business that may properly come before the meeting. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Stockholders of record at the close
of business on October 17, 2003, are entitled to notice of and to vote at the meeting or
any postponement or adjournment thereof. As a result of heightened security concerns,
admission to the meeting will be by ticket only and packages and bags may be inspected and
required to be checked at the registration desk. You also will be required to present
identification containing a photograph. If you are a registered stockholder (your shares
are held in your name) or a beneficial owner (your shares are held by a bank, broker or
other holder of record) and you plan to attend the meeting, please present the admission
ticket included with your proxy materials upon entering the meeting. The proxy statement
also includes information on how to obtain a ticket from the Company. Stockholders who do
not obtain tickets in advance may obtain them at the registration desk on the day of the
meeting by presenting proof of ownership, such as a bank or brokerage account statement or
a letter from the bank or broker verifying your ownership. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>A copy of our 2002 Annual Report on
Form 10-K, which includes audited financial statements, is enclosed. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2><B>Your vote is important. In order to
assure your representation at the meeting, you are requested to complete, sign and date
the enclosed proxy and return it in the enclosed postage-paid envelope as promptly as
possible.</B> </FONT></P>











<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="2">
<TR VALIGN="BOTTOM">
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="1"></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="1"></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="50%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD WIDTH="50%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">By Order of the Board of Directors</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">  </FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">  </FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">  </FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">  </FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">  </FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">  </FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">  </FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">  </FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">  </FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">  </FONT></TD></TR>
<TR VALIGN="bottom">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">/s/ Carl C. Gregory, III </FONT><hr size=1 width=40% color=black align=left></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Carl C. Gregory, III</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Chief Executive Officer</FONT></TD></TR>
</TABLE>


<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>October 24, 2003 <BR>San Diego,
California </FONT></P>
<BR>


<BR>
<HR SIZE=1 NOSHADE color=black>
<BR>


<!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>TABLE OF CONTENTS </FONT></H1>

<TABLE CELLPADDING=0 CELLSPACING=0 BORDER=0 WIDTH=760>
<TR VALIGN=Bottom>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2><B><U>Page</U></B></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH></TR>
<TR bgcolor=#EEEEEE VALIGN=Bottom>
     <TD WIDTH=95% ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>About the Meeting</FONT></TD>
     <TD WIDTH=5% ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;What is the purpose of the annual meeting?</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1</FONT></TD></TR>
<TR bgcolor=#EEEEEE  VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Who is entitled to vote?</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Who can attend the meeting?</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1</FONT></TD></TR>
<TR bgcolor=#EEEEEE  VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;What constitutes a quorum?</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;How do I vote?</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2</FONT></TD></TR>
<TR bgcolor=#EEEEEE  VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;What if I submit a proxy and then change my mind?</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;What are the Board's recommendations?</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2</FONT></TD></TR>
<TR bgcolor=#EEEEEE VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;What vote is required to approve each item?</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Can I dissent or exercise rights of appraisal?</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>3</FONT></TD></TR>
<TR bgcolor=#EEEEEE  VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Who pays for the cost of this proxy solicitation?</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>3</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Board of Directors</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>4</FONT></TD></TR>
<TR bgcolor=#EEEEEE  VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Election of Directors (Proposal No 1)</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>4</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;General</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>4</FONT></TD></TR>
<TR bgcolor=#EEEEEE  VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Vote Required</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>4</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Nominees</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>4</FONT></TD></TR>
<TR bgcolor=#EEEEEE  VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;How are directors compensated?</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>6</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;How often did the Board meet during fiscal 2002?</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>6</FONT></TD></TR>
<TR bgcolor=#EEEEEE  VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;What committees has the Board established?</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>6</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Executive Officers and Compensation</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>8</FONT></TD></TR>
<TR bgcolor=#EEEEEE  VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Executive Compensation Summary</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>10</FONT></TD></TR>
<TR bgcolor=#EEEEEE  VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Option Grants in Last Fiscal Year</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>11</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Aggregated Option Exercises In Last Fiscal Year</FONT></TD></TR>
<TR bgcolor=#EEEEEE  VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;and Fiscal Year-End Options</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>11</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Employment Agreements and Related Matters</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>12</FONT></TD></TR>
<TR bgcolor=#EEEEEE  VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Report of the Compensation Committee on Executive Compensation</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>13</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Compensation Committee Interlocks and Insider Participation</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>14</FONT></TD></TR>
<TR bgcolor=#EEEEEE  VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Stock Price Performance Graph</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>14</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Certain Relationships and Related Transactions</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>16</FONT></TD></TR>
<TR bgcolor=#EEEEEE  VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Security Ownership of Principal Stockholders and Management</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>18</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Securities Authorized for Issuance under Equity Compensation Plans</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>21</FONT></TD></TR>
<TR bgcolor=#EEEEEE  VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Section 16(a) Beneficial Ownership Reporting Compliance</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>21</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Report of the Audit Committee</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>22</FONT></TD></TR>
<TR bgcolor=#EEEEEE  VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Proposal No 2--Ratification of Selection of Independent Auditors</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>23</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Stockholder Proposals and Nominations</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>24</FONT></TD></TR>
<TR bgcolor=#EEEEEE  VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Independent Auditors</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>24</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Other Matters</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>26</FONT></TD></TR>
<TR bgcolor=#EEEEEE  VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Appendix I - Charter of the Audit Committee of the Board of Directors</FONT></TD></TR>
<TR>
     <TD></TD>
     <TD></TD></TR>
</TABLE>
<BR>

<BR>
<HR SIZE=1 NOSHADE color=black>
<BR>


<!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->
<A NAME=A009></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=4>ENCORE CAPITAL GROUP,
INC. </FONT><BR><FONT FACE="Times New Roman, Times, Serif" SIZE=2>5775 ROSCOE COURT <BR>SAN DIEGO, CALIFORNIA 92123 <BR>(877) 445-4581 </FONT></H1>

<!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->



<HR align=center width=25% SIZE=1 color=black NOSHADE>
<HR align=center width=25% SIZE=1  NOSHADE>


<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>PROXY STATEMENT </FONT></H1>



<HR align=center width=25% SIZE=1 color=black NOSHADE>
<HR align=center width=25% SIZE=1  NOSHADE>

<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>This Proxy Statement relates to the
2003 Annual Meeting of Stockholders to be held at the offices of Jefferies &amp; Company,
Inc., 520 Madison Avenue, New York, New York 10022, on November 18, 2003, beginning at
5:00 p.m. local time, or at such other time and place to which the annual meeting may be
adjourned or postponed. <B>The enclosed proxy is solicited by the Board of Directors of
the Company. </B>The proxy materials relating to the annual meeting are first being mailed
to stockholders entitled to vote at the meeting on or about October 27, 2003. </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->
<A NAME=A014></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3><B>ABOUT THE MEETING </B></FONT></H1>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<A NAME=A015></A>
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><i><B>What is the purpose of
the annual meeting?</B> </i></FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;At
the Company&#146;s annual meeting, stockholders will act upon the matters outlined in the
accompanying notice of meeting, including the election of nine directors and the
ratification of independent auditors. In addition, the Company&#146;s management will
report on the progress of the Company and respond to questions from stockholders. </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<A NAME=A016></A>
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><i><B>Who is entitled to vote? </B></i></FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Only
stockholders of record at the close of business on the record date, October 17, 2003 are
entitled to receive notice of the annual meeting and to vote the shares that they held on
that date at the meeting, or any postponement or adjournment of the meeting. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;At
the close of business on October 17, 2003, there were 21,273,038 outstanding shares of the
Company&#146;s common stock, which are entitled to cast 21,273,038 votes. </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<A NAME=A017></A>
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><i><B>Who can attend the
meeting?</B></i> </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
stockholders as of the record date, or their duly appointed proxies, may attend the
meeting. As a result of heightened security concerns, admission to the meeting will be by
ticket only. If you are a registered stockholder (your shares are held in your name) or a
beneficial owner (your shares are held by a bank, broker or other holder of record) and
you plan to attend the meeting, please present the admission ticket included with your
proxy materials upon entering the meeting. In addition, you can obtain an admission ticket
in advance by writing to Encore Capital Group, Inc., Attention: Corporate Secretary, 5775
Roscoe Court, San Diego, California 92123. Please be sure to enclose proof of ownership,
such as a bank or brokerage account statement or a letter from the bank or broker
verifying such ownership. Stockholders who do not obtain tickets in advance may obtain
them upon presenting verification of ownership at the registration desk on the day of the
meeting. Tickets may be issued to others at the discretion of the Company. </FONT></P>


<BR>
<HR SIZE=1 NOSHADE color=black>
<BR>


<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<A NAME=A018></A>
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><i><B>What constitutes a quorum? </B></i></FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
presence at the meeting, in person or by proxy, of the holders of a majority of the
outstanding shares on the record date will constitute a quorum, permitting the Company to
conduct its business at the annual meeting. Proxies received but marked as abstentions
will be included in the calculation of the number of shares considered to be present at
the meeting. </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<A NAME=A019></A>
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><i><B>How do I vote?</B></i> </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;You
can vote on matters to come before the meeting in two ways: </FONT></P>

<!-- MARKER FORMAT-SHEET="Para (List) Hang LV 1-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.  </FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>You
can attend the meeting and cast your vote in person; or  </FONT></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para (List) Hang LV 1-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2.  </FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>You
can vote by completing, dating and signing the enclosed proxy card and
               returning it to the Company. If you do so, you will authorize the
individuals                named on the proxy card, referred to as the proxyholders, to
vote your shares                according to your instructions or, if you provide no
instructions, according to                the recommendations of the Board of Directors.  </FONT></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<A NAME=A020></A>
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><i><B>What if I submit a proxy
and then change my mind?</B> </i></FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;You
may revoke your proxy at any time before it is exercised by: </FONT></P>

<UL>

  <LI>  <FONT FACE="Times New Roman, Times, Serif" SIZE=2>  filing with the Secretary of the Company a notice of revocation; or</FONT>

 <LI> <FONT FACE="Times New Roman, Times, Serif" SIZE=2>     sending in another duly executed proxy bearing a later date; or</FONT>

 <LI>   <FONT FACE="Times New Roman, Times, Serif" SIZE=2>    attending the meeting and casting your vote in person.</FONT>
</UL>


<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<A NAME=A021></A>
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><i><B>What are the Board&#146;s
recommendations?</B> </i></FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Unless
you give other instructions on your proxy card, the persons named on the proxy card will
vote in accordance with the recommendations of the Board of Directors. The Board&#146;s
recommendations are set forth together with a description of such item in this proxy
statement. In summary, the Board recommends a vote for election of the nominated slate of
directors and the ratification of independent auditors. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;With
respect to any other matter that properly comes before the meeting, the proxyholders will
vote as recommended by the Board of Directors or, if no recommendation is given, in their
own discretion. </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<A NAME=A022></A>
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><i><B>What vote is required to
approve each item? </B></i></FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Election
of Directors.</I> </B>The nine nominees who receive the most votes will be elected to the
Board of Directors. A properly executed proxy marked &#147;WITHHOLD AUTHORITY&#148; with
respect to the election of one or more directors will not be voted with respect to the
director or directors indicated, although it will be counted for purposes of determining
whether there is a quorum. </FONT></P>


<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2

 </FONT></P><BR>
<HR SIZE=1 NOSHADE color=black>
<BR>


<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Other
Items.</I></B><I></I> For each other item the affirmative vote of the holders of a
majority of the shares represented in person or by proxy and entitled to vote on the item
will be required for approval. A properly executed proxy marked &#147;ABSTAIN&#148; with
respect to any such matter will not be voted, although it will be counted for purposes of
determining whether there is a quorum. Accordingly, an abstention will have the effect of
a vote against a proposal. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Effect
of Broker Non-Votes. </I></B><I></I>If you hold your shares in &#147;street name&#148;
through a broker or other nominee, your broker or nominee may not be permitted to exercise
voting discretion with respect to some of the matters to be acted upon. Thus, if you do
not give your broker or nominee specific instructions, your shares may not be voted on
those matters and will not be counted in determining the number of shares necessary for
approval. Shares represented by such &#147;broker non-votes&#148; will, however, be
counted in determining whether there is a quorum. </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<A NAME=A023></A>
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><i><B>Can I dissent or exercise
rights of appraisal?</B></i> </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Under
Delaware law, holders of our voting stock are not entitled to dissent from any of the
proposals to be presented at the annual meeting or to demand appraisal of their shares as
a result of the approval of any of the proposals. </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<A NAME=A024></A>
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><i><B>Who pays for the cost of
this proxy solicitation?</B></i> </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We
will bear the cost of solicitation of proxies. This includes the charges and expenses of
brokerage firms and others for forwarding solicitation material to beneficial owners of
our outstanding common stock. We may solicit proxies by mail, personal interview,
telephone or telegraph. </FONT></P>

<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>3

 </FONT></P><BR>
<HR SIZE=1 NOSHADE color=black>
<BR>

<!-- MARKER FORMAT-SHEET="Head Major Center Bold 1-TNR" FSL="Project" -->
<A NAME=A025></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Election of Directors </FONT><BR>
<FONT FACE="Times New Roman, Times, Serif" SIZE=2>(Proposal No. 1) </FONT></h1>




<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<A NAME=A027></A>
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><i><B>General</B></i> </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A
board of nine (9) directors is to be elected at the annual meeting. All of the nine (9)
nominees named below are presently directors of the Company. In the event that any nominee
named below is unable or declines to serve as a director, the Board of Directors may
reduce the size of the board or may designate an alternate nominee to fill the vacancy. If
a substitute nominee is named, the proxyholders will vote the proxies held by them for the
election of such person, unless contrary instructions are given. The Company is not aware
of any nominee who will be unable or will decline to serve as a director. The term of
office for each person elected as a director will continue until the next annual meeting
of stockholders or until his or her successor has been elected and qualified. </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<A NAME=A028></A>
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><i><B>Vote Required</B></i> </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
a quorum is present and voting, the<B> nine (9)</B> nominees receiving the highest number
of votes will be elected to the Board of Directors. </FONT></P>

<TABLE WIDTH=600 BORDER="3" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM">
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="1"></FONT></TH></TR>
<TR bgcolor=silver VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>The Board of Directors recommends
a vote <U>FOR</U> election of each of the director nominees.</B></FONT></TD></TR>
</TABLE>


<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<A NAME=A029></A>
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><i><B>Nominees</B></i> </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Hang Lv 1-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2> </FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The names
of the nominees, and certain information about them are set forth below: </FONT></TD>
</TR>
</TABLE>
<BR>


<TABLE CELLPADDING=0 CELLSPACING=0 BORDER=0 align=center WIDTH=600>
<TR bgcolor=silver VALIGN=Bottom>
     <TH align=left><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Name of Nominee</U></FONT></TH>
     <TH ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Age</U></FONT></TH>
     <TH align=left><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Title</U></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TD WIDTH=32% ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TD>
     <TD WIDTH="6%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TD>
     <TD WIDTH=62% ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Raymond Fleming</FONT></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>47&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Director</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Carl C. Gregory, III</FONT></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>59&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Director, President and Chief Executive Officer</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Neville J. Katz</FONT></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>42&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Director</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Eric D. Kogan</FONT></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>40&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Chairman of the Board of Directors</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Alexander Lemond</FONT></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>29&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Director</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Richard A. Mandell</FONT></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>61&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Director</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Peter W. May</FONT></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>60&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Director</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Nelson Peltz</FONT></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>61&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Director</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Robert M. Whyte</FONT></TD>
     <TD ALIGN="LEFT" WIDTH="6%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>59&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Director</FONT></TD></TR>
</TABLE>



<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>RAYMOND
FLEMING</B>.Mr. Fleming has served as a director of the Company since June 2001.
Since August 1999, Mr. Fleming has been the Treasurer of Consolidated Press Holdings
Limited, an affiliate of the Company&#146;s largest stockholder. From May 1997 to August
1999, Mr. Fleming was a banker with BT Australia Ltd., an investment banking firm. Prior
to that, Mr. Fleming had worked within the Australian banking industry since 1982. Mr.
Fleming holds a Bachelor of Economics degree from the University of Sydney and is a Fellow
of the Australian Institute of Chartered Accountants. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>CARL
C. GREGORY, III</B>. Mr. Gregory has served as a director and as President and Chief
Executive Officer of the Company since May 2000. Prior to joining the Company,
Mr.&nbsp;Gregory was Chairman, President and Chief Executive Officer of West Capital
Financial Services Corp. for the period beginning January 1998. Prior to joining West
Capital, Mr. Gregory was Managing Partner of American Western Partners, a private
investment firm, from January 1996 through January 1997. From 1993 through 1995, Mr.
Gregory was Chairman, President and Director of MIP Properties, Inc., a public real estate
investment trust. Mr. Gregory also serves as a director of Apex Mortgage Capital, Inc., a
publicly traded mortgage financing REIT. Mr. Gregory received his undergraduate degree in
Accounting from Southern Methodist University and an MBA from the University of Southern
California. </FONT></P>

<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>4

 </FONT></P><BR>
<HR SIZE=1 NOSHADE color=black>
<BR>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>NEVILLE
J. KATZ. </B>Mr.&nbsp;Katz has served as a director of the Company since January 2003.
Since July 2000, Mr.&nbsp;Katz has been the Chief Financial Officer of Audant Investments
Pty Limited, a private investment holding company owned by Robert M. Whyte. From August
1994 to July 2000, Mr.&nbsp;Katz was employed by James Hardie Industries Limited, a
building products manufacturer, in various financial and commercial roles, most recently
as General Manager Corporate Development. Mr.&nbsp;Katz holds a Bachelor of Commerce
degree from the University of Capetown and a Bachelor of Accounting Science, Honours, from
the University of South Africa. He is a member of the Australian Institute of Chartered
Accountants. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>ERIC
D. KOGAN</B>. Mr.&nbsp;Kogan has served as Chairman of the Board of Directors of the
Company since February 1998. Since April 2002, Mr.&nbsp;Kogan has been a Partner of
Clarion Capital Partners, a private equity firm based in New York. From April 1993 to
April 2002, Mr.&nbsp;Kogan was an officer of Triarc Companies, Inc., a holding company
and, through its subsidiaries, the franchiser of the Arby&#146;s restaurant system
(&#147;Triarc&#148;), and certain of its subsidiaries, most recently serving as
Triarc&#146;s Executive Vice President of Corporate Development. Prior thereto,
Mr.&nbsp;Kogan was Vice President Corporate Development of Trian Group, Limited
Partnership (&#147;Trian Group&#148;), a private investment banking and management
services firm, from September 1991 to April 1993. Mr.&nbsp;Kogan received his
undergraduate degree from the Wharton School of the University of Pennsylvania and an MBA
from the University of Chicago. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>ALEXANDER
LEMOND.</B> Mr. Lemond has served as a director of the Company since October 2002. He has
been Vice President, Corporate Development of Triarc since November 2000. Mr. Lemond was
an Associate, Corporate Development of Triarc from December 1997 to November 2000. Prior
to that, he was an analyst in the mergers and acquisitions group at Salomon Smith Barney
from July 1996 to December 1997. Mr. Lemond holds a BSE degree from the Wharton School of
the University of Pennsylvania. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>RICHARD
A. MANDELL</B>. Mr. Mandell has served as a director of the Company since June 2001. He
currently is a private investor and financial consultant. Mr. Mandell was a Vice President
&#151; Private Investments of Clariden Asset Management (NY) Inc., a subsidiary of
Clariden Bank, a private Swiss bank, from January 1996 until February 1998. From 1982
until June 1995, Mr. Mandell served as a Managing Director of Prudential Securities
Incorporated, an investment banking firm. He also serves as a director of Sbarro, Inc.,
The Smith &amp; Wollensky Restaurant Group, Inc. and Woodworkers Warehouse, Inc. Mr.
Mandell holds a BSE degree from the Wharton School of the University of Pennsylvania and
is a Certified Public Accountant. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>PETER
W. MAY</B>. Mr. May has served as a director of the Company since February 1998. Mr. May
has served since April 1993 as a director and as President and Chief Operating Officer of
Triarc. Since April 1993, he has also been a director or manager and officer of certain of
Triarc&#146;s subsidiaries. Mr. May is also a general partner of DWG Acquisition Group,
L.P. (&#147;DWG Acquisition&#148;), whose principal business is ownership of securities of
Triarc. From its formation in January 1989 to April 1993, he was President and Chief
Operating Officer of Trian Group. Mr. May was President and Chief Operating Officer of
Triangle Industries, Inc., a manufacturer of packaging products, copper electrical wire
and cable and steel conduit and currency and coin handling products, from 1983 until
December 1988. Mr. May holds BA and MBA degrees from the University of Chicago. </FONT></P>

<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>5

 </FONT></P><BR>
<HR SIZE=1 NOSHADE color=black>
<BR>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>NELSON
PELTZ.</B> Mr.&nbsp;Peltz has served as a director of the Company since January 2003 and
previously served as a director of the Company from February 1998 until October 2001.
Mr.&nbsp;Peltz has been a director and the Chairman and Chief Executive Officer of Triarc
since April 1993. Since then, he has also be a director or manager and officer of certain
of Triarc&#146;s subsidiaries. He is also a general partner of DWG Acquisition. From its
formation in January 1989 to April 1993, Mr.&nbsp;Peltz was Chairman and Chief Executive
Officer of Trian Group. From 1983 to December 1988, he was Chairman and Chief Executive
Officer and a director of Triangle Industries, Inc. Mr.&nbsp;Peltz attended the Wharton
School of the University of Pennsylvania. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>ROBERT
M. WHYTE</B>. Mr. Whyte has served as a director of the Company since February 1998. Mr.
Whyte is an investment banker and has served since 1986 with Audant Investment Pty Limited
as Executive Chairman. Since 1997, Mr. Whyte has been a director of Publishing and
Broadcasting Limited (an Australian media company in which Consolidated Press Holdings
Limited holds a substantial interest), and also serves on the Board of Directors of
various other companies. From 1992 to 1997, Mr. Whyte held non-executive directorships of
Advance Bank Australia Limited and The Ten Group Limited. Mr. Whyte holds a Bachelor of
Economics degree from the University of Sydney. </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<A NAME=A030></A>
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><i><B>How are directors
compensated? </B></i></FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-employee
directors who are not affiliated with significant stockholders currently receive a $15,000
annual retainer fee and a $1,000 per meeting fee for attendance at Board or committee
meetings. In addition, one of our independent directors, Richard A. Mandell, has been
granted stock options to purchase an aggregate of 30,000 shares of the Company&#146;s
common stock and during 2002 received additional cash compensation of $20,000 for his
services on the special committee of the Board in connection with an additional $5.0
million investment in the Company made by certain existing stockholders and their
affiliates (see &#147;Certain Relationships and Related Transactions&#151;Preferred
Stock&#148; on page 17). Directors who represent significant stockholders receive no
annual retainer fee and no per meeting fee. All directors are, however, reimbursed for
their out-of-pocket expenses incurred in attending Board or committee meetings. The
Company has also entered into indemnification agreements with each of its directors under
which it has agreed to indemnify them to the fullest extent authorized by law against
certain expenses and losses arising out of certain claims related to the fact that such
person is or was a director of the Company or served the Company in certain other
capacities. </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<A NAME=A031></A>
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><i><B>How often did the Board
meet during fiscal 2002?</B></i> </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Board of Directors met in person or acted by written consent ten times during 2002. Each
incumbent director who is a nominee for reelection attended at least 75% of the meetings
of the Board of Directors and its committees that he was eligible to attend in 2002. </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<A NAME=A032></A>
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><i><B>What committees has the
Board established?</B></i> </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Board of Directors has standing Audit, Nominating and Compensation Committees. The members
of each committee prior to October 24, 2002 are set forth below: </FONT></P>

<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>6

 </FONT></P><BR>
<HR SIZE=1 NOSHADE color=black>
<BR>




<TABLE CELLPADDING=0 CELLSPACING=3 BORDER=0 WIDTH=760>
<TR VALIGN=Bottom>
     <TH ALIGN="LEFT" WIDTH="40%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2><u>Name</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2> <u>Audit Committee </u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2> <u>Nominating Committee</u> </FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2><u>Compensation Committee</u></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TD WIDTH="40%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Eric D. Kogan</FONT></TD>
     <TD WIDTH=20% ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>X</FONT></TD>
     <TD WIDTH=20% ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>X</FONT></TD>
     <TD WIDTH=20% ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>X</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT" WIDTH="40%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Richard A. Mandell</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>X</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT" WIDTH="40%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Peter W. May</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>X</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>X</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT" WIDTH="40%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Robert M. Whyte</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>X</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
</TABLE>
<BR>





<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
current members of these Committees are as follows: </FONT></P>




<TABLE CELLPADDING=0 CELLSPACING=3 BORDER=0 WIDTH=760>
<TR VALIGN=Bottom>
     <TH ALIGN="LEFT" WIDTH="40%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2><u>Name</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2> <u>Audit Committee </u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2> <u>Nominating Committee</u> </FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2><u>Compensation Committee</u></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TD WIDTH="40%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Neville J. Katz</FONT></TD>
     <TD WIDTH=20% ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>X</FONT></TD>
     <TD WIDTH=20% ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD WIDTH=20% ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT" WIDTH="47%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Eric D. Kogan</FONT></TD>
     <TD WIDTH=20% ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>X</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>X</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT" WIDTH="47%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Alexander Lemond</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>X</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT" WIDTH="47%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Peter W. May</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>X</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>X</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT" WIDTH="47%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Richard A. Mandell</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>X</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT" WIDTH="47%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Nelson Peltz</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>X</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT" WIDTH="47%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Robert M. Whyte</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>X</FONT></TD></TR>
</TABLE>


<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Audit
Committee</I></B><I></I>. The Audit Committee is responsible for assisting the Board in
oversight of the quality and integrity of the accounting, auditing and financial reporting
practices of the Company. In performing its duties, the Audit Committee appoints the
Company&#146;s independent auditors, approves audit and non-audit fees, reviews and
evaluates the Company&#146;s financial statements, accounting principles and system of
internal accounting controls and considers other appropriate matters regarding the
financial affairs of the Company. The Audit Committee met in person or acted by written
consent four times during 2002. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Nominating
Committee</I></B><I></I>. The Nominating Committee is responsible for evaluating all
proposed candidates for the Board, recommending nominees to fill vacancies to the full
Board and recommending to the full Board, prior to the Annual Meeting of Stockholders, a
slate of nominees for election to the Board by the stockholders of the Company at the
Annual Meeting. The Nominating Committee met in person or acted by written consent once
during 2002. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Compensation
Committee</I>.</B> The Compensation Committee acts on matters relating to the compensation
of directors, senior management, and key employees, including the granting of stock
options. The Compensation Committee met in person or acted by written consent three times
during 2002. </FONT></P>

<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>7

 </FONT></P><BR>
<HR SIZE=1 NOSHADE color=black>
<BR>

<!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->
<A NAME=A033></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>EXECUTIVE OFFICERS AND
COMPENSATION </FONT></H1>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Our
management consists of the following personnel, in addition to Carl C. Gregory, III, our
President and Chief Executive Officer, who is named above as a director. </FONT></P>




<TABLE align=center BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH=760>
<TR bgcolor=silver VALIGN="BOTTOM">
     <TH align=left><FONT FACE="Times New Roman, Times, Serif" SIZE="1"><u>Name</u></FONT></TH>
     <TH align=left><FONT FACE="Times New Roman, Times, Serif" SIZE="1"><u>Age</u></FONT></TH>
     <TH align=left><FONT FACE="Times New Roman, Times, Serif" SIZE="1"><u>Position</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="44%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Barry R. Barkley</FONT></TD>
     <TD WIDTH="13%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">60</FONT></TD>
     <TD WIDTH="43%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Executive Vice President and<BR>
Chief Financial Officer</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">J. Brandon Black</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">35</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Executive Vice President and<BR>
Chief Operating Officer</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">George Brooker</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">39</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Vice President and<BR>
Controller</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Alison James</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">37</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Senior Vice President of Human<BR>
Resources</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Robin R. Pruitt</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">46</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Senior Vice President, General<BR>
Counsel and Secretary</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">John R. Treiman</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">42</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Senior Vice President and<BR>
Chief Information Officer</FONT></TD></TR>
</TABLE>





<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>BARRY
R. BARKLEY</B>. Mr. Barkley joined the Company in May 2000 and serves as Executive Vice
President and Chief Financial Officer. From March 1998 until joining the Company, Mr.
Barkley was the Chief Financial Officer of West Capital Financial Services Corp. In
October 1995, Mr. Barkley joined Great Western Financial Corporation as the Corporate
Controller reporting to the Vice Chairman. From August 1990 to September 1995, Mr. Barkley
was with Banc One Corporation, first as Chief Financial Officer and member of the Board of
Directors of Bank One, Texas, N.A. and from January 1994, serving as Executive Director,
Corporate ReEngineering. Mr. Barkley received a bachelor&#146;s degree from Purdue
University in 1966 and received an MBA from Indiana University in 1970. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>J.
          BRANDON BLACK</B>. Mr. Black joined the Company in May 2000 and serves as
          Executive Vice President and Chief Operating Officer. From March 1998 until
          joining the Company, Mr. Black was the Senior Vice President of Operations for
          West Capital Financial Services Corp. Prior to joining West Capital, Mr. Black
          worked for First Data Resources during the period of September 1997 through
          April 1998 and for Capital One Financial Corporation from June 1989 until
August           1997. Mr. Black received a bachelor&#146;s degree from the College of
William           and Mary in 1989 and an MBA from the University of Richmond in 1996.  </FONT></P>



<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>GEORGE
R. BROOKER.</B> Mr. Brooker joined the Company in June 2002 and serves as Vice President
and Controller. From December 1999 until joining the Company, Mr. Brooker was a consultant
with Visionary Solutions, LLP a management consulting firm specializing in early stage
companies. From January 1997 to November 1999, he served as Vice President of Finance for
Ziro Holdings Corporation a manufacturer and distributor of home furnishings. From August
1995 to November 1996, Mr. Brooker was a financial management associate at Textron, Inc. a
Fortune 500 multi-industry company. Additionally, Mr.&nbsp;Brooker spent several years as
a CPA with Coopers &amp; Lybrand. Mr. Brooker received a bachelor&#146;s degree from San
Diego State in 1987 and an MBA from Duke University in 1995. </FONT></P>

<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>8

 </FONT></P><BR>
<HR SIZE=1 NOSHADE color=black>
<BR>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>ALISON
JAMES.</B> Ms. James joined the Company in April 2003 and serves as Senior Vice President,
Human Resources. From January 2002 to March 2003, Ms. James was Director of Human
Resources for the sales, marketing and customer service and support organizations within
Gateway, Inc. Prior to this position, from June 1999 to December 2001, she managed various
HR and Organizational Development functions for the international and domestic operations
of Gateway. From September 1988 to May 1999, Ms. James was employed by Mars, Inc., where
she held a number of different management positions over a period of 11 years covering
human resources, supply chain, manufacturing and sales. Ms James received a
bachelor&#146;s degree in Management Studies and French from the University of Bradford in
1988. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>ROBIN
R. PRUITT</B>. Ms. Pruitt joined the Company in September 2001 and serves as Senior Vice
President, General Counsel and Secretary. From June 2000 until joining the Company, Ms.
Pruitt was Vice President and General Counsel of Mitchell International, Inc., a developer
of claims estimating systems for insurance industries. Ms. Pruitt served as a Vice
President of the Company during May and June 2000, and prior to that was Vice President
and General Counsel of West Capital Financial Services Corp. from November 1998 to May
2000. From May 1995 to January 1998, Ms. Pruitt served as General Counsel of ComStream
Corporation, a designer and manufacturer of satellite communications equipment. Ms. Pruitt
received a bachelor&#146;s degree in Finance and Economics from the University of South
Carolina in 1978 and a JD degree from Boston University School of Law in 1983. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>JOHN
R. TREIMAN.</B> Mr. Treiman joined the Company in May 2000 and serves as Senior Vice
President and Chief Information Officer. From August 1998 until joining the Company, Mr.
Treiman was a Vice President and the Chief Information Officer of West Capital Financial
Services Corp. From January 1996 through July 1998, Mr. Treiman served as Vice President
and Chief Information Officer for Frederick&#146;s of Hollywood. Additionally,
Mr.&nbsp;Treiman served as Vice President and Chief Information Officer for The Welk Group
and spent several years consulting with KPMG Peat Marwick. Mr. Treiman received a
bachelor&#146;s degree from UCLA in 1983 and received an MBA from the University of
Southern California in 1986. </FONT></P>

<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9

 </FONT></P><BR>
<HR SIZE=1 NOSHADE color=black>
<BR>

<!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->
<A NAME=A034></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>EXECUTIVE COMPENSATION
SUMMARY </FONT></H1>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following table sets forth, for the fiscal years ended December 31, 2002, 2001 and 2000,
respectively, the compensation awarded to or paid by the Company and its subsidiaries to
each person who served as the Company&#146;s Chief Executive Officer during 2002, 2001,
and 2000, and its most highly compensated executive officers at December 31, 2002 (the
&#147;Named Executive Officers&#148;). Each of the Named Executive Officers became an
officer of the Company in May 2000. </FONT></P>

<TABLE CELLPADDING=0 CELLSPACING=0 BORDER=0 WIDTH=760>

<TR VALIGN=Bottom>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2> </FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2> </FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2> </FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2> </FONT></TH>
     <TH colspan=4><FONT FACE="Times New Roman, Times, Serif" SIZE=2> Long-Term Compensation</FONT><hr size=1 noshade color=black></TH>

     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2> </FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2> </FONT></TH>
     <TH colspan=3><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Annual Compensation </FONT><hr size=1 noshade color=black></TH>

     <TH colspan=2><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Awards</FONT><hr size=1 noshade color=black width=90%></TH>

     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Payouts</FONT><hr size=1 noshade color=black width=90%></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2>   </FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH align=left><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Name and<BR>

Principal Position<BR></FONT><hr size=1 noshade color=black width=90%></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Year </FONT><hr size=1 noshade color=black width=90%></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Salary<BR>

($) </FONT><hr size=1 noshade color=black width=90%></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2> Bonus<BR>
($)</FONT><hr size=1 noshade color=black width=90%>
</TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2> Other Annual<BR> Compensation<BR> ($)</FONT><hr size=1 noshade color=black width=90%></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2>  Restricted<BR>  Stock<BR> <U>Award(s)</U><BR> ($)</FONT><hr size=1 noshade color=black width=90%></TH>
     <TH colspan=2><FONT FACE="Times New Roman, Times, Serif" SIZE=2> Securities<BR>Underlying<BR> Options/<BR> SARs</FONT><hr size=1 noshade color=black width=90%></TH>

     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2>LTIP <BR>  Payouts<BR>  ($)</FONT><hr size=1 noshade color=black width=90%></TH>
     <TH colspan=2><FONT FACE="Times New Roman, Times, Serif" SIZE=2> All Other<BR>Compensation<BR> ($)(1)</FONT><hr size=1 noshade color=black width=90%></TH>
     </TR>

<TR VALIGN=Bottom>
     <TD WIDTH=26% ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Carl C. Gregory, III</FONT></TD>
     <TD WIDTH=5% ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2002</FONT></TD>
     <TD WIDTH=9% ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$350,000&nbsp;</FONT></TD>
     <TD WIDTH=9% ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$525,000&nbsp;</FONT></TD>
     <TD WIDTH=7% ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD WIDTH=7% ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD WIDTH=7% ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD WIDTH=9% ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>208,333&nbsp;</FONT></TD>
     <TD WIDTH=8% ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD WIDTH=9% ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$28,192&nbsp;</FONT></TD>
     <TD WIDTH=4% ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(3)</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;Director, President</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2001</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>350,000&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>350,000&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>3,886&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;and Chief Executive</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2000</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>204,167&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>250,000&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>300,000&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(2)</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2,650&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;Officer</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>J. Brandon Black</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2002</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$225,000&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$337,500&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>208,333&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$21,218&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(4)</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;Executive Vice</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2001</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>204,487&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>225,000&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2,532&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;President and Chief</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2000</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>116,667&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>150,000&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>200,000&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(2)</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1,933&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;Operating Officer</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Barry R. Barkley</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2002</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$250,000&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$337,500&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>208,333&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$30,335&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(5)</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;Executive Vice</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2001</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>217,949&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>225,000&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2,569&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;President and Chief</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2000</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>116,667&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>75,000&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>200,000&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(2)</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2,057&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;Financial Officer</FONT></TD></TR>
<TR>
     <TD></TD>
     <TD></TD>
     <TD></TD>
     <TD></TD>
     <TD></TD>
     <TD></TD>
     <TD></TD>
     <TD></TD>
     <TD></TD>
     <TD></TD>
     <TD></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Robin R. Pruitt</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2002</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$185,000&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$&nbsp;&nbsp;92,500&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$10,674&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(6)</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;Senior Vice President,</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2001</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>53,365&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>21,583&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>75,000&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;General Counsel and</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2000</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>19,935&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;Secretary</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>John R. Treiman</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2002</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$176,538&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$&nbsp;&nbsp;87,500&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$11,320&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(7)</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;Senior Vice</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2001</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>172,276&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>51,000&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2,513&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;President</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2000</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>97,805&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>41,250&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>75,000&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(2)</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1,716&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;and Chief Information</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;Officer</FONT></TD></TR>
</TABLE>




<!-- MARKER FORMAT-SHEET="Para (List) Hang LV 1-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(1)  </FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Includes
401(k) plan matching contributions and term life insurance premiums           paid by the
Company.  </FONT></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para (List) Hang LV 1-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(2)  </FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The
Board of Directors granted options on January 25,           2001.  </FONT></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para (List) Hang LV 1-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(3)  </FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Includes
non-qualified plan matching contributions of $25,000 paid by           the Company.  </FONT></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para (List) Hang LV 1-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(4)  </FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Includes
non-qualified plan matching contributions of $11,250           and flexible variable
universal life insurance premiums of $6,934 paid by the Company.  </FONT></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para (List) Hang LV 1-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(5)  </FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Includes
non-qualified plan matching contributions of $27,625 paid by the                Company.  </FONT></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para (List) Hang LV 1-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(6)  </FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Includes
non-qualified plan matching contributions of $1,838 and flexible                variable
universal life insurance premiums of $6,819 paid by the Company.  </FONT></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para (List) Hang LV 1-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(7)  </FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Includes
non-qualified plan matching contributions of $8,349 paid by the                Company.  </FONT></TD>
</TR>
</TABLE>
<BR>



<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>10

 </FONT></P><BR>
<HR SIZE=1 NOSHADE color=black>
<BR>

<!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->
<A NAME=A035></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>OPTION GRANTS IN LAST
FISCAL YEAR </FONT></H1>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following table sets forth information concerning grants of stock options to the Named
Executive Officers during the year ended December 31, 2002. The Company does not maintain
an option or other stock based plan that provides for the grant of stock appreciation
rights (&#147;SARS&#148;). </FONT></P>




<TABLE CELLPADDING="0" CELLSPACING="3" BORDER="0" WIDTH="760">
<TR VALIGN=Bottom>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH  ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH valign=top colspan=2><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Individual Grants</FONT></TH>

     <TH ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH colspan=2><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Potential Realizable Value<BR>
at Assumed Annual Rates of<BR>
Stock Price Appreciation<BR>
for Option Term (1)</FONT></TH>
     </TR>
<TR VALIGN=Bottom>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Name</FONT><hr size=2 color=black width=90% align=left noshade></TH>
     <TH ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Number of<BR>
Securities<BR>
Underlying<BR>
Options/ SARs<BR>
Granted<BR>
</FONT><hr size=2 color=black width=90% noshade></TH>
     <TH ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Percent of<BR>
Total Options/<BR>
SARs Granted<BR>
to Employees in<BR>
Fiscal Year</FONT><hr size=2 color=black width=90% noshade></TH>
     <TH ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Exercise<BR>
Price<BR>
($ Per Share)</FONT><hr size=2 color=black width=90% noshade></TH>
     <TH ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Expiration<BR>
Date</FONT><hr size=2 color=black width=90% noshade></TH>
     <TH ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>5% ($)</FONT><hr size=2 color=black width=90% noshade></TH>
     <TH ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>10% ($)</FONT><hr size=2 color=black width=90% noshade></TH></TR>
<TR VALIGN=Bottom>
     <TD WIDTH="16%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Carl C. Gregory,III</FONT></TD>
     <TD WIDTH="14%" ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>208,333&nbsp;</FONT></TD>
     <TD WIDTH="14%" ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>25%</FONT></TD>
     <TD WIDTH="14%" ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.51</FONT></TD>
     <TD WIDTH="14%" ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9/11/12</FONT></TD>
     <TD WIDTH="14%" ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$66,667&nbsp;</FONT></TD>
     <TD WIDTH="14%" ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$257,522&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Barry R. Barkley</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>208,333&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>25%</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.51</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9/11/12</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$66,667&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$257,522&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>J. Brandon Black</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>208,333&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>25%</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.51</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9/11/12</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$66,667&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$257,522&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Robin R. Pruitt</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&#150;&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&#150;&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>N/A&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>N/A</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>N/A&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>N/A&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>John R. Treiman</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&#150;&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&#150;&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>N/A&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>N/A</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>N/A&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>N/A&nbsp;</FONT></TD></TR>
</TABLE>
<BR>



<!-- MARKER FORMAT-SHEET="Para (List) Hang Lv 0-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(1) </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>These
rates of appreciation have been provided for illustrative purposes only.           Such
rates do not represent expected or forecasted appreciation.  </FONT></TD>
</TR>
</TABLE>
<BR><BR><BR>






<!-- MARKER FORMAT-SHEET="Head Minor Center Bold-TNR" FSL="Project" -->
<A NAME=A036></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>AGGREGATED OPTION
EXERCISES IN LAST FISCAL YEAR AND <BR> FISCAL YEAR-END OPTIONS </FONT></h1>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following table sets forth information concerning option exercises and option holdings for
2002 with respect to the Named Executive Officers. </FONT></P>




<TABLE CELLPADDING=0 CELLSPACING=0 BORDER=0 WIDTH=760>
<TR VALIGN=Bottom>
     <TH WIDTH="28%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Shares<BR>
Acquired<BR>
On</FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Value</FONT></TH>
     <TH colspan=2><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Number of Securities<BR>
Underlying Unexercised<BR>
Options/SARs at<BR>
Fiscal Year-End</FONT></TH>
     <TH colspan=2><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Value of Unexercised<BR>
In-The-Money Options/<BR>
SARs at Fiscal Year-End(1)</FONT></TH>
     </TR>
<TR VALIGN=Bottom>
     <TH WIDTH="28%" ALIGN="center"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Name</FONT><hr width=90% align=left size=2 color=black></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Exercise</FONT><hr width=90% size=2 color=black></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Realized</FONT><hr width=90% size=2 color=black></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Exercisable</FONT><hr width=100% size=2 color=black></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Unexercisable</FONT><hr width=90% align=left size=2 color=black></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Exercisable</FONT><hr width=100% size=2 color=black></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Unexercisable</FONT><hr width=100% size=2 color=black></TH></TR>
<TR VALIGN=Bottom>
     <TD WIDTH="28%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Carl C. Gregory, III</FONT></TD>
     <TD WIDTH=8% ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>None</FONT></TD>
     <TD WIDTH=8% ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&#150;</FONT></TD>
     <TD WIDTH=14% ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>150,000&nbsp;</FONT></TD>
     <TD WIDTH=14% ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>358,333&nbsp;</FONT></TD>
     <TD WIDTH=14% ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$15,000&nbsp;</FONT></TD>
     <TD WIDTH=14% ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$137,916&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT" WIDTH="28%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Barry R. Barkley</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>None</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&#150;</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>100,000&nbsp;</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>308,333&nbsp;</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$10,000&nbsp;</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$132,916&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT" WIDTH="28%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>J. Brandon Black</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>None</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&#150;</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>100,000&nbsp;</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>308,333&nbsp;</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$10,000&nbsp;</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$132,916&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT" WIDTH="28%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Robin R. Pruitt</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>None</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&#150;</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>12,500&nbsp;</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>62,500&nbsp;</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$&nbsp;&nbsp;1,250&nbsp;</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$&nbsp;&nbsp;&nbsp;&nbsp;6,250&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT" WIDTH="28%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>John R. Treiman</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>None</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&#150;</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>37,500&nbsp;</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>37,500&nbsp;</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$&nbsp;&nbsp;3,750&nbsp;</FONT></TD>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$&nbsp;&nbsp;&nbsp;&nbsp;3,750&nbsp;</FONT></TD></TR>
</TABLE>


<HR SIZE=1 NOSHADE color=black width=10% align=left>



<!-- MARKER FORMAT-SHEET="Para (List) Hang Lv 0-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(1) </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Options
are considered &#147;in the money&#148; if the fair market value of the
          underlying securities exceeds the exercise price of the options. These values
          are based on the December 31, 2002 closing price of the Common Stock of $1.10
          per share on the Over the Counter Bulletin Board, less the per share exercise
          price. The options may never be exercised and the value, if any, will depend on
          the actual share price at the time of exercise.  </FONT></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>11

 </FONT></P><BR>


<!-- MARKER FORMAT-SHEET="Head Major Left Bold-TNR" FSL="Project" -->
<A NAME=A038></A>
<H1 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Employment Agreements
and Related Matters </FONT></H1>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Employment
Agreements.</I> In March 2002, the Company entered into employment agreements with two of
its executive officers, Messrs. Gregory and Black. These agreements generally provide for
one-year terms with automatic renewals, base compensation aggregating approximately
$600,000 per year, plus incentive compensation, as defined, and non-competition
provisions. The agreements provide for severance payments over periods between one year
and one and a half years upon termination without cause, as defined. During the second
quarter of 2002, the Company reached agreement on severance matters with a former officer.
In connection therewith, we paid $500,000 for a release of all claims and liability. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Performance-Based
Bonuses</I>. The Company maintains a cash bonus plan for individuals, including executive
officers, who are deemed key to the Company&#146;s performance. The amounts of such
bonuses will be based on the Company&#146;s financial performance, quantifiable individual
performance and management&#146;s evaluation of each eligible individual&#146;s
contribution. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>1999
Equity Participation Plan.</I> The Board of Directors has adopted the 1999 Equity
Participation Plan as a part of the Company&#146;s ongoing program to provide senior
management with incentives linked to corporate performance. The plan is designed to
provide senior management and key employees with stock based incentives which are intended
to provide competitive long-term incentive opportunities and tie executive long-term
financial gain to increases in the Company&#146;s stock price. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Officers,
directors, and employees of the Company and its subsidiaries and affiliates, as well as
key consultants to the Company and its subsidiaries and affiliates, are eligible to
receive grants of stock options under the plan. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Compensation Committee of the Board of Directors administers the plan. No member of the
Board or the Compensation Committee is liable for any action or determination made in good
faith with respect to the plan or any option granted under the plan. The Company pays all
of the expenses of administering the plan. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;An
aggregate of 2,600,000 shares of the Company&#146;s common stock are available for awards
under the plan. Shares subject to an option that terminates or expires without being
exercised are again made available for grant under the plan. The exercise price of any
options granted under the plan is determined by the Board, but may not be less than 85% of
the fair market value of the stock on the date of grant. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
plan is not subject to the Employment Retirement Income Security Act of 1974 and is not
qualified under Section 401(a) of the Internal Revenue Code. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
plan may be amended or terminated by the Board, but the Board must obtain stockholder
approval prior to modifying or terminating the plan if such approval is required to comply
with any tax or regulatory requirement. In addition, no amendment may be made that will
adversely affect in any material way the rights of any participant under any award
previously granted under the plan without that participant&#146;s written consent. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para (List) Indent Lv 0- TNR" FSL="Project" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
          <I>401(k)Plan.</I> The Company maintains a 401(k) Salary Deferral Plan under which
          eligible employees may voluntarily contribute up to a maximum percentage of
          compensation, subject to Internal Revenue Code limitations. The Company matches
          25% of employee contributions. </FONT></P>

<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>12

 </FONT></P><BR>
<HR SIZE=1 NOSHADE color=black>
<BR>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Deferred
Compensation Plan.</I> Effective March 1, 2002, the Company adopted a non-qualified
deferred compensation plan for its senior management. This plan permits deferral of a
portion of compensation until a specified period of time. The use of plan assets is
legally restricted to distributions to participants or creditors in the event of
bankruptcy. </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->
<A NAME=A039></A>
<H1 ALIGN=left><FONT FACE="Times New Roman, Times, Serif" SIZE=2>REPORT OF THE
COMPENSATION COMMITTEE ON EXECUTIVE COMPENSATION </FONT></H1>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company&#146;s executive compensation program is administered by the Compensation
Committee of the Board. The members of the Compensation Committee are not employees of the
Company. The Compensation Committee determines the compensation of the Company&#146;s
executive officers and administers the Company&#146;s stock option plans. </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Major Left Bold-TNR" FSL="Project" -->
<A NAME=A040></A>
<H1 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Executive Compensation
Policies </FONT></H1>

<!-- MARKER FORMAT-SHEET="Para (List) Indent Lv 0- TNR" FSL="Project" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Overview</I></B><I></I>.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
          Incentive compensation arrangements are the cornerstone of the Compensation
          Committee&#146;s executive compensation policies. These incentive compensation
          arrangements reward those executive officers that achieve individual and Company
          objectives that increase stockholder value. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company&#146;s executive compensation package consists of three components: base salary
and related benefits; annual cash bonus incentives; and stock-based compensation
incentives. The Compensation Committee reviews each of these components and develops an
incentive compensation package for each of the Company&#146;s executive officers based, in
part, upon the recommendations of senior management and, in part, upon the Compensation
Committee&#146;s assessment of each executive officer&#146;s contribution to the Company.
In addition, from time to time, the Compensation Committee may review competitive
information. The Compensation Committee strives to develop individual compensation
packages for the Company&#146;s executive officers that will encourage superior individual
and Company-wide performance, serve to retain those executive officers that perform well,
and lead to increased stockholder value. Each component of the Company&#146;s executive
compensation package is discussed below. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Base
Salary and Benefits</I></B><I></I>. Each executive officer receives a base salary and
benefits based on his or her responsibilities and experience. The Compensation Committee
reviews each executive officer&#146;s base salary and benefits from time to time. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Annual
Incentive Bonuses</I></B><I></I>. The second component of the Company&#146;s executive
compensation package is an annual incentive bonus. Officer bonuses under the
Company&#146;s annual performance-based cash incentive plan are computed using a sliding
scale based upon achievement of the Company&#146;s targeted operating measures,
quantifiable individual performance and the Compensation Committee&#146;s evaluation of
each officer&#146;s contribution. In addition, when appropriate the Company may pay
discretionary bonuses to certain executives. Bonuses paid to the Named Executive Officers
for the year ended December 31, 2002 are shown in the Executive Compensation Summary
above. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Stock-Based
Compensation Incentives</I></B><I></I>. The third component of the Company&#146;s
executive compensation package is stock-based compensation incentives, traditionally
non-qualified stock options. This compensation component is an important incentive tool
designed to more closely align the interests of the executive officers of the Company with
the long-term interests of the Company&#146;s stockholders and to encourage its executive
officers to remain with the Company. </FONT></P>

<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>13

 </FONT></P><BR>
<HR SIZE=1 NOSHADE color=black>
<BR>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Compensation Committee considers grants of options to the Company&#146;s executive
officers and key employees on an annual basis, taking into account the other components of
the recipients&#146; compensation packages, the recipients&#146; responsibilities and
performance, the Company&#146;s performance during the preceding fiscal year, the exercise
price of the options to be awarded and prior option grants. </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Major Left Bold-TNR" FSL="Project" -->
<A NAME=A041></A>
<H1 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Compensation of Chief
Executive Officer </FONT></H1>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On
May 22, 2000, Carl C. Gregory, III was hired as the President and Chief Executive Officer
of the Company. Mr. Gregory and the Company have entered into an employment agreement
dated as of May 22, 2000. The agreement is described in &#147;Employment Contracts and
Related Matters&#148; above. The agreement resulted from arms-length negotiation between
the Compensation Committee, represented by Eric Kogan, and Mr. Gregory. The Compensation
Committee believes that the compensation provisions contained in the agreement were
necessary to secure Mr. Gregory&#146;s continued employment with the Company and are in
the best interests of the Company and its stockholders. Mr. Gregory&#146;s current base
salary is $367,500 per year. On March 14, 2003 Mr. Gregory was paid a  bonus of
$525,000 pursuant to the Company's performance-based incentive plan. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Compliance
with Internal Revenue Code Section&nbsp;162(m</I></B><I>). </I>Section&nbsp;162(m) of the
Internal Revenue Code limits the deductibility of executive compensation paid by
publicly-held corporations to $1&nbsp;million for each executive officer named in this
proxy statement. The $1&nbsp;million limitation generally does not apply to compensation
that is considered performance-based. Non-performance-based compensation paid to the
Company&#146;s executive officers for the 2002 fiscal year did not exceed the
$1&nbsp;million limit per employee. The Company believes that its compensation policy
satisfies Section 162(m). As a result, the Company believes that the compensation paid
under this policy is not subject to limits of deductibility. However, we cannot assure you
that the Internal Revenue Service would reach the same conclusion. </FONT></P>



<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM">
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="1"></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="1"></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="50%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD WIDTH="50%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Eric D. Kogan, Chairman</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Peter W. May</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT>Nelson Peltz</TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"> Robert M. Whyte</FONT></TD></TR>
</TABLE>


<!-- MARKER FORMAT-SHEET="Head Major Left Bold-TNR" FSL="Project" -->
<A NAME=A042></A>
<H1 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Compensation Committee
Interlocks and Insider Participation </FONT></H1>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;None
of the Company&#146;s compensation committee members and none of the Company&#146;s
executive officers has a relationship that would constitute an interlocking relationship
with executive officers or directors of another entity, and no interlocking relationship
existed in fiscal 2002. </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->
<A NAME=A043></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>STOCK PRICE
PERFORMANCE GRAPH </FONT></H1>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following graph compares the total cumulative stockholder return on the Company&#146;s
Common Stock for the period July 9, 1999 (the date of the Company&#146;s IPO) through
September 30, 2003 with the cumulative total return of (a) the Nasdaq Index and (b) NCO
Portfolio Management, Inc., Asta Funding, Inc. and Portfolio Recovery Associates, Inc.
(following its initial public offering in September 2002), which we believe are comparable
companies. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
comparison assumes that $100 was invested on July 9, 1999 in the Company&#146;s Common
Stock and in each of the comparison indices. </FONT></P>

<BR><BR>
<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>14

 </FONT></P><BR>
<HR SIZE=1 NOSHADE color=black>
<BR>


<IMG SRC="graph9.gif" ALIGN="MIDDLE">



<BR><BR><BR>
<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>15

 </FONT></P><BR>
<HR SIZE=1 NOSHADE color=black>
<BR>



<!-- MARKER FORMAT-SHEET="Head Major Left Bold-TNR" FSL="Project" -->
<A NAME=A044></A>
<H1 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Certain Relationships
and Related Transactions </FONT></H1>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<A NAME=A045></A>
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><i><B>Temporary Line of Credit</B></i> </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Effective
October 31, 2000, the Company executed an agreement with a limited liability company for a
$2.0 million stand-by working capital line of credit secured by substantially all of the
Company&#146;s assets and those of its subsidiaries. The members of the limited liability
company included Messrs. Kogan, Lemond and Whyte, directors of the Company; entities
affiliated with Messrs. Peltz and May, directors of the Company; and entities and
individuals affiliated with Triarc and Consolidated Press International Holdings Limited,
stockholders of the Company. In connection with this agreement, the lenders received
250,000 warrants to acquire the Company&#146;s common stock at $0.01 per share. As of
December 31, 2001, when the stand-by line expired, no indebtedness existed. The fair value
of the warrants, $0.1 million, was accounted for by recording deferred loan costs with an
offset to additional paid-in capital as a component of stockholders&#146; equity. All
250,000 warrants were exercised on April 16, 2002. </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<A NAME=A046></A>
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><i><B>Guarantees of Line of
Credit</B> </i></FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Until
October 14, 2003, the Company had a facility with Bank of America, NA, formerly
NationsBank, NA, for a revolving line of credit of up to $5.0 million. Some of the
Company&#146;s present and former directors, stockholders and affiliates guaranteed this
facility, including Messrs. May, Lemond, Peltz and Kogan, directors of the Company; Frank
Chandler, a former officer an director of the Company and a current stockholder of the
Company; Triarc and the Chandler Family Limited Partnership, current stockholders of the
Company; Consolidated Press Holdings Limited, an affiliate of a stockholder of the
Company; and Peter Nigel Stewart Frazer, the father-in-law of Robert M. Whyte and a
stockholder of the Company. In connection with such guarantee, an aggregate fee of $75,000
per quarter was paid to the guarantors. As of June 30, 2003, there were no amounts
outstanding under the line of credit. At December 31, 2001 and 2002, the Company had
available $0.3 million and $11.1 million, respectively, under the line of credit. The line
of credit was terminated on October 14, 2003. </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<A NAME=A047></A>
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><i><B>Guarantees of Senior Notes</B></i> </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On
January 12, 2000, the Company issued $10 million in principal amount of 12% Series No. 1
Senior Notes to an institutional investor. The Senior Notes were unsecured obligations of
the Company but were guaranteed by Triarc, a stockholder of the Company, and by the
Company&#146;s subsidiary, Midland Credit Management, Inc. As of October 21, 2003, Triarc
beneficially owns approximately 9.4% of the Company&#146;s outstanding common stock. In
connection with the issuance of the Senior Notes, the Company issued warrants to the
institutional investor and Triarc to acquire up to 428,571 and 100,000 shares,
respectively, of the Company&#146;s common stock at an exercise price of $0.01 per share.
The warrants contained anti-dilution provisions. In addition, the Company paid a fee to
Triarc in the amount of $0.2 million in consideration of Triarc&#146;s guarantee of this
indebtedness. The Company engaged an independent valuation firm to determine the
allocation of the $10 million principal amount between the Senior Notes and the warrants.
The results of the valuation valued the warrants at approximately $3.05 per share. This
valuation of $3.05 per share resulted in the warrants being included as a component of
stockholders&#146; equity in the amount of $1.6 million with the same amount recorded as a
debt discount to the $10 million note payable. The Senior Notes required semi-annual
interest payments on January 15 and July 15. Since February 2002, the Company elected to
make the interest payments in cash. On September 30, 2003, Triarc exercised all of its
warrants. On October 1, 2003, the Senior Notes were repaid in full, at par, in accordance
with their terms, with proceeds of a public offering of the Company&#146;s common stock. </FONT></P>



<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>16

 </FONT></P><BR>
<HR SIZE=1 NOSHADE color=black>
<BR>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<A NAME=A048></A>
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><i><B>Preferred Stock</B></i> </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On
February 22, 2002, certain existing stockholders and their affiliates (the
&#147;Purchasers&#148;) made an additional $5.0 million investment in Encore Capital
Group, Inc. Immediately prior to such investment, the Purchasers on a collective basis
beneficially owned in excess of 50% of the Company&#146;s common stock. In a related
transaction, the Company&#146;s Senior Notes lender forgave $5.3 million of outstanding
debt. The terms of the investment were negotiated by a committee of the board of directors
composed of an independent director, with the assistance of independent advisors. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Purchasers purchased 1,000,000 shares of the Company&#146;s Series A Senior Cumulative
Participating Convertible Preferred Stock (the &#147;Series A Preferred Stock&#148;) at a
price of $5.00 per share. Each share of Series A Preferred Stock was convertible at the
option of the holder at any time into ten shares of common stock at a conversion price of
$.50 per share of common stock, subject to customary anti-dilution adjustments. The last
reported sale price of the Company&#146;s common stock prior to such investment was $0.35
per share. The Series A Preferred Stock had a cumulative dividend, payable semi-annually.
Dividends were payable in cash and/or additional Series A Preferred Stock, at the
Company&#146;s option, at the rate of 10.0% per annum. Since issuance, all dividends with
respect to the Series A Preferred Stock were paid in cash. The dividend rate would
increase to 15.0% per annum in the event of a qualified public offering, a change of
control (each as defined) or the sale of all or substantially all of the assets of the
Company. In the event dividends were not declared or paid, the dividends would have
accumulated on a compounded basis. The Series A Preferred Stock had a liquidation
preference equal to the sum of the stated value of the Series A Preferred Stock ($5.0
million in the aggregate) plus all accrued and unpaid dividends thereon and a
participation payment equal to shares of common stock at the conversion price and/or such
other consideration that would be payable to holders of the Series A Preferred Stock if
their shares had been converted into shares of the Company&#146;s common stock immediately
prior to the liquidation event. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant
to an agreement between the Company and the holders of the Series A Preferred Stock, all
of the preferred shares were converted into 10,000,000 shares of the Company&#146;s common
stock simultaneously with the closing of the public offering of the Company&#146;s common
stock on October 1, 2003. The holders of the Series A Preferred Stock were paid accrued
dividends to the conversion date in accordance with the terms of the Series A Preferred
Stock, but did not pay or receive any other consideration in connection with the
conversion. </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<A NAME=A049></A>
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><i><B>Recent Public Offering</B> </i></FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;During
October 2003 the Company completed an underwritten public offering in which the Company
sold 3,000,000 shares of its common stock and certain selling stockholders sold 2,750,000
shares of common stock (including the underwriters&#146; over-allotment option). Pursuant
to registration rights granted to such parties, the Company bore certain customary costs
related to the offering on behalf of the selling stockholders. Among the selling
stockholders were Messrs. Gregory, Lemond, Kogan and Whyte, directors of the Company;
entities affiliated with Messrs. May and Peltz, directors of the Company; Messrs. Barkley
and Black, officers of the Company; C. P. International Investments Limited, an affiliate
of the employer of Raymond Fleming, a director of the Company; Madison West Associates
Corp., an affiliate of Triarc and of Messrs. May and Peltz; certain current and former
officers and employees of Triarc; and Peter Nigel Stewart Frazer, the father-in-law of
Robert M. Whyte. Total offering expenses on behalf of the Company and the selling
stockholders are estimated to be approximately $771,000. </FONT></P>

<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2

 </FONT></P><BR>
<HR SIZE=1 NOSHADE color=black>
<BR>

<!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->
<A NAME=A050></A>
<H1 ALIGN=left><FONT FACE="Times New Roman, Times, Serif" SIZE=2>SECURITY OWNERSHIP OF
PRINCIPAL STOCKHOLDERS AND MANAGEMENT </FONT></H1>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following table sets forth certain information concerning the beneficial ownership of the
Company&#146;s Common Stock as of October 21, 2003, by: (i) each director of the Company,
(ii) the Named Executive Officers, (iii) each person who is known by the Company to be the
beneficial owner of more than five percent (5%) of the outstanding Common Stock, and (iv)
all executive officers and directors as a group. Calculations of beneficial ownership are
based on 21,302,521 shares of the Company&#146;s common stock outstanding on October 21,
2003. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Unless
otherwise indicated, the address of each of the listed stockholders is 5775 Roscoe Ct.,
San Diego, California 92123. The number of shares includes shares of common stock owned of
record by such person&#146;s minor children and spouse and by other related individuals
and entities over whose shares of common stock such person has custody, voting control or
the power of disposition. </FONT></P>




<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="600">
<TR VALIGN=Bottom>
     <TH align=left><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Name &amp; Address of Beneficial Owner</FONT><hr size=1 noshade color=black></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Number of shares of<BR>
common stock<BR>
beneficially<BR>
owned(1)</FONT><hr size=1 noshade color=black></TH>
     <TH ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Percentage of<BR>
Common Stock<BR>
beneficially<BR>
owned</FONT><hr size=1 noshade color=black></TH></TR>
<TR VALIGN=Bottom>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TD WIDTH="50%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Consolidated Press International Holdings Limited (2)</FONT></TD>
     <TD WIDTH="20%" ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>4,920,705&nbsp;</FONT></TD>
     <TD WIDTH="25%" ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>23.1%</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;54-58 Park Street, Sydney</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;NSW 2000, Australia</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Nelson Peltz (3)</FONT></TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>4,082,163&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>19.2%</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c/o Triarc Companies, Inc.</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;280 Park Avenue</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;New York, NY 10017</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Triarc Companies, Inc. (4)</FONT></TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2,002,865&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9.4%</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;280 Park Avenue</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;New York, NY 10017</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;DWG Acquisition Group, L.P. (5)</FONT></TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2,002,865&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9.4%</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c/o Triarc Companies, Inc.</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;280 Park Avenue</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;New York, NY 10017</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Madison West Associates Corp. (6)</FONT></TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1,901,590&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>8.9%</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c/o Triarc Companies, Inc.</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;280 Park Avenue</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;New York, NY 10017</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Neale M. Albert (7)</FONT></TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1,540,898&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>7.2%</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c/o Paul, Weiss, Rifkind, Wharton &amp; Garrison</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1285 Avenue of the Americas</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;New York, NY 10019</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Eric D. Kogan</FONT></TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>410,077&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.9%</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Raymond Fleming</FONT></TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>--&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>*&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Richard A. Mandell (8)</FONT></TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>23,334&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>*&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Peter W. May (9)</FONT></TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2,977,453&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>14.0%</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Robert M. Whyte (10)</FONT></TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1,100,897&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>5.2%</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Alexander Lemond</FONT></TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>141,896&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>*&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Neville J. Katz</FONT></TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>44,000&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>*&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Carl C. Gregory, III (11)</FONT></TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>117,244&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>*&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Barry R. Barkley (12)</FONT></TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>78,162&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>*&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Brandon Black</FONT></TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>78,162&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>*&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Robin R. Pruitt (13)</FONT></TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>25,000&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>*&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;John R. Treiman (13)</FONT></TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>56,250&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>*&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All directors and executive
officers<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; of the Company as a group<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(15 persons)&nbsp;&nbsp; (14)</FONT></TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>5,145,575&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>24.0%</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
</TABLE>


<!-- MARKER FORMAT-SHEET="Footnote Rule-TNR" FSL="Project" -->
<HR SIZE=1 NOSHADE WIDTH=15% ALIGN=LEFT>
<BR><BR>
<!-- MARKER FORMAT-SHEET="Para Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*
Less than one percent. </FONT></P>


<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>18

 </FONT></P><BR>
<HR SIZE=1 NOSHADE color=black>
<BR>


<!-- MARKER FORMAT-SHEET="Para (List) Hang LV 1-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(1)  </FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The
numbers and percentages shown include the shares of Common Stock actually
                    beneficially owned as of October 21, 2003, and the shares of Common
Stock                     that the person or group had the right to acquire within 60
days of such date.                     In calculating the percentage of ownership, all
shares of Common Stock that the                     identified person or group had the
right to acquire within 60 days of October<I></I>21, 2003, upon the exercise of options
or warrants or the conversion of                     convertible securities are deemed to
be outstanding for the purpose of computing                     the percentage of the
shares of Common Stock owned by such person or group, but                     are not
deemed to be outstanding for the purpose of computing the percentage of
                    the shares of Common Stock owned by any other person.  </FONT></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para (List) Hang LV 1-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(2)  </FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>According
to Amendment No. 7 to Schedule 13D filed on September 29, 2003 by
                    Consolidated Press International Holdings Limited (&#147;CPIHL&#148;)
and C. P.                     International Investments Limited (&#147;CPII&#148;) to
further supplement and                     amend the Schedule 13D originally filed by
CPIHL and CPII on February 22, 2000,                     as supplemented and amended by
Amendment No. 1 dated March 22, 2001, by                     Amendment No. 2 dated August
28, 2001, by Amendment No. 3 dated February 27,                     2002, by Amendment
No. 4 dated April 18, 2002, by Amendment No. 5 dated August                     26, 2003,
and by Amendment No. 6 dated August 29, 2003 and updated to reflect
                    sales reported on Form 4s filed by CPII and CPIHL on October 21,
2003, each of                     CPII and CPIHL may be deemed the beneficial owners of
these shares. The shares                     reported include 4,920,705 shares directly
owned by CPII. CPII has sole voting                     and dispositive power with
respect to these shares.  </FONT></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para (List) Hang LV 1-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(3)  </FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>According
to Amendment No. 4 to Schedule 13D filed on October 9, 2003 by Madison
                    West Associates Corp. (&#147;Madison West&#148;), Triarc Companies,
Inc.                     (&#147;Triarc&#148;), Nelson Peltz, Peter W. May, Neale M.
Albert and DWG                     Acquisition Group, L.P. (&#147;DWG&#148;) to further
supplement and amend the                     Schedule 13D originally filed by such
reporting persons on March 4, 2002, as                     supplemented and amended by
Amendment No. 1 dated November 1, 2002, by Amendment                     No. 2 dated
September 8, 2003, and by Amendment No. 3 dated September 30, 2003
                    (as so supplemented and amended, the &#147;Madison West 13D&#148;)
and updated                     to reflect sales reported on Form 4s filed by Madison
West, Triarc and Messrs.                     Peltz and May on October 20, 2003 (the &#147;MW
Form 4s&#148;), Mr. Peltz is a                     co-trustee of the Nelson Peltz Children&#146;s
Trust (the &#147;NP Trust&#148;)                     and a general partner of the Peltz
Family Limited Partnership (the &#147;Peltz                     LP&#148;) and in such
capacity shares voting and dispositive power over the                     581,310 shares
of Common Stock directly owned by the NP Trust and the 1,497,988
                    shares directly owned by the Peltz LP. As the indirect beneficial
owner of                     approximately 38.5% of the outstanding voting common stock
of Triarc, Mr. Peltz                     shares voting and dispositive power with Triarc,
Mr. May and DWG over the                     2,002,865 shares of Common Stock
beneficially owned by Triarc (see note (4)                     below). As a result,
pursuant to Rule 13d-3 of the Securities Exchange Act of                     1934 (&#147;Rule
13d-3&#148;), Mr. Peltz may be deemed the indirect beneficial                     owner
of (i) the 581,310 shares of Common Stock directly owned by the NP Trust,
                    (ii) the 1,497,988 shares of Common Stock directly owned by the Peltz
LP; and                     (iii) the 2,002,865 shares of Common Stock beneficially owned
by Triarc, which                     would, in the aggregate, constitute approximately
19.2% of the Company&#146;s                     outstanding shares of Common Stock. Mr.
Peltz disclaims beneficial ownership of                     such shares.  </FONT></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para (List) Hang LV 1-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(4)  </FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>According
to the Madison West 13D and updated to reflect the MW Form 4s, Triarc
                    may be deemed the beneficial owner of 2,002,865 shares of Common
Stock,                     including (i) 1,901,590 shares of Common Stock directly owned
by Madison West;                     and (ii) 101,275 shares of Common Stock directly
owned by Triarc. The aggregate                     holdings of Triarc constitute
approximately 9.4% of the Company&#146;s                     outstanding shares of Common
Stock. Triarc shares with Madison West, Mr. Peltz,                     Mr. May and DWG
voting and dispositive power over the 1,901,590 shares of Common
                    Stock beneficially owned by Madison West and shares with Mr. Peltz,
Mr. May and                     DWG voting and dispositive power over the 101,275 shares
of Common Stock                     directly owned by Triarc.  </FONT></TD>
</TR>
</TABLE>
<BR>


<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>19

 </FONT></P><BR>
<HR SIZE=1 NOSHADE color=black>
<BR>


<!-- MARKER FORMAT-SHEET="Para (List) Hang LV 1-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(5)  </FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>According
to the Madison West 13D and updated to reflect the MW Form 4s, DWG is
                    the direct beneficial owner of approximately 27.2% of the outstanding
voting                     common stock of Triarc, and in such capacity shares with Mr.
Peltz and Mr. May                     voting and dispositive power over the 2,002,865
shares of Common Stock                     beneficially owned by Triarc (see note (4)
above). As a result, pursuant to Rule                     13d-3, DWG may be deemed the
indirect beneficial owner of 2,002,865 shares of                     Common Stock, which
would constitute approximately 9.4% of the Company&#146;s                     outstanding
shares of Common Stock. DWG disclaims beneficial ownership of such
                    shares.  </FONT></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para (List) Hang LV 1-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(6)  </FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>According
to the Madison West 13D and updated to reflect the MW Form 4s, Madison
                    West may be deemed the beneficial owner of 1,901,590 shares of Common
Stock,                     which constitute approximately 8.9% of the Company&#146;s
outstanding shares of                     Common Stock. Madison West shares with Triarc,
Mr. Peltz, Mr. May and DWG voting                     and dispositive power over the
1,901,590 shares of Common Stock beneficially                     owned by Madison West.  </FONT></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para (List) Hang LV 1-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(7)  </FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>According
to the Madison West 13D and updated to reflect the MW Form 4s, Mr.
                    Albert is a co-trustee of each of the NP Trust, the Jonathan P. May
1998 Trust                     (the &#147;JM Trust&#148;) and the Leslie A. May 1998
Trust (the &#147;LM                     Trust&#148;) (see note (9) below), and in such
capacity Mr. Albert shares with                     Mr. Peltz voting and dispositive
power over the 581,310 shares of Common Stock                     directly owned by the
NP Trust, and shares with Mr. May voting and dispositive                     power over
the 479,794 shares of Common Stock directly owned by the JM Trust and
                    the 479,794 shares of Common Stock directly owned by the LM Trust. As
a result,                     pursuant to Rule 13d-3, Mr. Albert may be deemed the
beneficial owner of                     1,540,898 shares, which constitute approximately
7.2% of the Company&#146;s                     outstanding shares of Common Stock. Mr.
Albert disclaims beneficial ownership of                     such shares.  </FONT></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para (List) Hang LV 1-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(8)  </FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Includes
10,000 shares of Common Stock directly owned and 13,334 shares of
                    Common Stock issuable upon exercise of vested stock options.  </FONT></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para (List) Hang LV 1-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(9)  </FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>According
to the Madison West 13D and updated to reflect the MW Form 4s, Mr. May
                    is a co-trustee of each of the JM Trust and the LM Trust, and in such
capacity                     Mr. May shares voting and dispositive power with Mr. Albert
over the 479,794                     shares of Common Stock directly owned by the JM
Trust and the 479,794 shares of                     Common Stock directly owned by the LM
Trust (see note (7) above). Mr. May also                     beneficially owns 15,000
shares of Common Stock that he acquired through a                     brokerage
transaction and has sole voting and dispositive power over such
                    shares. As the beneficial owner of approximately 34.9% of the
outstanding voting                     common stock of Triarc, Mr. May shares with
Triarc, Mr. Peltz and DWG voting and                     dispositive power over the
2,002,865 shares of Common Stock beneficially owned                     by Triarc (see
note (4) above). As a result, pursuant to Rule 13d-3, Mr. May may                     be
deemed the beneficial owner of (i) the 479,794 shares of Common Stock
                    directly owned by the JM Trust, (ii) the 479,794 shares of Common
Stock directly                     owned by the LM Trust, (iii) the 2,002,865 shares of
Common Stock beneficially                     owned by Triarc, and (iv) the 15,000 shares
of Common Stock owned directly by                     Mr. May, which, in the aggregate,
constitute approximately 14.0% of the                     Company&#146;s outstanding
shares of Common Stock. Mr. May disclaims beneficial                     ownership of all
such shares other than the 15,000 shares of Common Stock that                     he owns
directly.  </FONT></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para (List) Hang LV 1-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(10)  </FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>According
to Amendment No. 3 to Schedule 13D filed on September 29, 2003 by
                    Robert Michael Whyte to further supplement and amend the Schedule 13D
originally                     filed on March 4, 2002 by Mr. Whyte, as supplemented and
amended by Amendment                     No. 1 dated April 18, 2002 and by Amendment No.
2 dated August 29, 2003 and                     updated to reflect a sale reported on
Form 4 filed by Mr. Whyte on October 21,                     2003, Mr. Whyte is the
beneficial owner of 1,100,897 shares of Common Stock, or
                    approximately 5.2% of the Company&#146;s outstanding shares of Common
Stock.  </FONT></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para (List) Hang LV 1-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(11)  </FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>These
shares are held by Mr. Gregory as trustee of a trust for his benefit.  </FONT></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para (List) Hang LV 1-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(12)  </FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>These
shares are held by Mr. Barkley as trustee of a trust for his benefit.  </FONT></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para (List) Hang LV 1-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(13)  </FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>These
shares are issuable upon exercise of vested stock options.  </FONT></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para (List) Hang LV 1-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(14)  </FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Excludes
the 2,002,865 shares beneficially owned by Triarc. See note (4) above.  </FONT></TD>
</TR>
</TABLE>
<BR>


<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>20

 </FONT></P><BR>
<HR SIZE=1 NOSHADE color=black>
<BR>

<!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->
<A NAME=A055></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3><B>SECURITIES AUTHORIZED
FOR ISSUANCE UNDER <BR>EQUITY COMPENSATION
PLANS</B> </FONT></H1>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following
table gives information about our existing equity compensation plan as of December 31,
2002. </FONT></P>


<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" WIDTH="760">
<TR VALIGN=Bottom>
     <TH align=left><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Plan category</FONT><hr size=1 noshade color=black width=75% align=left></TH>
     <TH ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Number of securities to<BR>
be issued upon exercise<BR>
of outstanding options,<BR>
warrants and rights<BR>
</FONT><hr size=1 noshade color=black width=90%></TH>
     <TH ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Weighted-average<BR>
exercise price of<BR>
outstanding options,<BR>
warrants and rights</FONT><hr size=1 noshade color=black width=90%></TH>
     <TH ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Number of securities<BR>
remaining available for<BR>
future issuance under equity<BR>
compensation plans (excluding<BR>
securities reflected in<BR>
column (a))</FONT><hr size=1 noshade color=black width=90%></TH></TR>
<TR VALIGN=Bottom>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TD WIDTH="47%" ALIGN="center"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;</FONT></TD>
     <TD WIDTH="22%" ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(a)&nbsp;</FONT></TD>
     <TD WIDTH="15%" ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(b)&nbsp;</FONT></TD>
     <TD WIDTH="16%" ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(c)&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Equity compensation</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>plans approved by</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1,820,999&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.76</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>779,001&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>security holders</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Equity compensation</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>plans not approved by</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&#150;&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&#150;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&#150;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>security holders</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1,820,999&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.76</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>779,001&nbsp;</FONT></TD></TR>
</TABLE>




<!-- MARKER FORMAT-SHEET="Head Major Left Bold-TNR" FSL="Project" -->
<A NAME=A057></A>
<H1 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Section 16(a) Beneficial
Ownership Reporting Compliance </FONT></H1>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section
16(a) of the Securities Exchange Act of 1934, as amended, requires the Company&#146;s
executive officers and directors, and persons who own more than ten percent of a
registered class of the Company&#146;s equity securities to file reports of ownership and
changes in ownership with the Securities and Exchange Commission (&#147;SEC&#148;).
Executive officers, directors and greater than ten percent Stockholders are required by
SEC regulation to furnish the Company with copies of all Section 16(a) forms they file.
Based solely on its review of the copies of such forms received by it during the year
ended December 31, 2002 or written representations by the reporting persons, the Company
reports the following: </FONT></P>




<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" WIDTH="760">
<TR VALIGN=Bottom>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Reporting Person</FONT></TH>
     <TH ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>No. of Late Reports</FONT></TH>
     <TH ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>No. Transactions Not Timely<BR>
Reported</FONT></TH>
     <TH ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Known failures to<BR>
file</FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH></TR>
<TR>
     <TD ALIGN="RIGHT" WIDTH="25%"><HR NOSHADE COLOR=Black SIZE=1></TD>
     <TD ALIGN="CENTER" WIDTH="25%"><HR NOSHADE COLOR=Black SIZE=1></TD>
     <TD ALIGN="CENTER" WIDTH="25%"><HR NOSHADE COLOR=Black SIZE=1></TD>
     <TD ALIGN="CENTER" WIDTH="25%"><HR NOSHADE COLOR=Black SIZE=1></TD></TR>
<TR>
     <TD ALIGN="RIGHT"><HR NOSHADE COLOR=Black SIZE=1></TD>
     <TD ALIGN="CENTER"><HR NOSHADE COLOR=Black SIZE=1></TD>
     <TD ALIGN="CENTER"><HR NOSHADE COLOR=Black SIZE=1></TD>
     <TD ALIGN="CENTER"><HR NOSHADE COLOR=Black SIZE=1></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Barry R. Barkley</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>0&nbsp;</FONT></TD></TR>
<TR>
     <TD ALIGN="RIGHT"><HR NOSHADE COLOR=Black SIZE=1></TD>
     <TD ALIGN="CENTER"><HR NOSHADE COLOR=Black SIZE=1></TD>
     <TD ALIGN="CENTER"><HR NOSHADE COLOR=Black SIZE=1></TD>
     <TD ALIGN="CENTER"><HR NOSHADE COLOR=Black SIZE=1></TD></TR>
<TR>
     <TD ALIGN="RIGHT"><HR NOSHADE COLOR=Black SIZE=1></TD>
     <TD ALIGN="CENTER"><HR NOSHADE COLOR=Black SIZE=1></TD>
     <TD ALIGN="CENTER"><HR NOSHADE COLOR=Black SIZE=1></TD>
     <TD ALIGN="CENTER"><HR NOSHADE COLOR=Black SIZE=1></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>J. Brandon Black</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>0&nbsp;</FONT></TD></TR>
<TR>
     <TD ALIGN="RIGHT"><HR NOSHADE COLOR=Black SIZE=1></TD>
     <TD ALIGN="CENTER"><HR NOSHADE COLOR=Black SIZE=1></TD>
     <TD ALIGN="CENTER"><HR NOSHADE COLOR=Black SIZE=1></TD>
     <TD ALIGN="CENTER"><HR NOSHADE COLOR=Black SIZE=1></TD></TR>
<TR>
     <TD ALIGN="RIGHT"><HR NOSHADE COLOR=Black SIZE=1></TD>
     <TD ALIGN="CENTER"><HR NOSHADE COLOR=Black SIZE=1></TD>
     <TD ALIGN="CENTER"><HR NOSHADE COLOR=Black SIZE=1></TD>
     <TD ALIGN="CENTER"><HR NOSHADE COLOR=Black SIZE=1></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Carl C. Gregory, III</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>0&nbsp;</FONT></TD></TR>
<TR>
     <TD ALIGN="RIGHT"><HR NOSHADE COLOR=Black SIZE=1></TD>
     <TD ALIGN="CENTER"><HR NOSHADE COLOR=Black SIZE=1></TD>
     <TD ALIGN="CENTER"><HR NOSHADE COLOR=Black SIZE=1></TD>
     <TD ALIGN="CENTER"><HR NOSHADE COLOR=Black SIZE=1></TD></TR>
<TR>
     <TD ALIGN="RIGHT"><HR NOSHADE COLOR=Black SIZE=1></TD>
     <TD ALIGN="CENTER"><HR NOSHADE COLOR=Black SIZE=1></TD>
     <TD ALIGN="CENTER"><HR NOSHADE COLOR=Black SIZE=1></TD>
     <TD ALIGN="CENTER"><HR NOSHADE COLOR=Black SIZE=1></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Richard A. Mandell</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>0&nbsp;</FONT></TD></TR>
<TR>
     <TD ALIGN="RIGHT"><HR NOSHADE COLOR=Black SIZE=1></TD>
     <TD ALIGN="CENTER"><HR NOSHADE COLOR=Black SIZE=1></TD>
     <TD ALIGN="CENTER"><HR NOSHADE COLOR=Black SIZE=1></TD>
     <TD ALIGN="CENTER"><HR NOSHADE COLOR=Black SIZE=1></TD></TR>
<TR>
     <TD ALIGN="RIGHT"><HR NOSHADE COLOR=Black SIZE=1></TD>
     <TD ALIGN="CENTER"><HR NOSHADE COLOR=Black SIZE=1></TD>
     <TD ALIGN="CENTER"><HR NOSHADE COLOR=Black SIZE=1></TD>
     <TD ALIGN="CENTER"><HR NOSHADE COLOR=Black SIZE=1></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Robert M. Whyte</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>0&nbsp;</FONT></TD></TR>
<TR>
     <TD ALIGN="RIGHT"><HR NOSHADE COLOR=Black SIZE=1></TD>
     <TD ALIGN="CENTER"><HR NOSHADE COLOR=Black SIZE=1></TD>
     <TD ALIGN="CENTER"><HR NOSHADE COLOR=Black SIZE=1></TD>
     <TD ALIGN="CENTER"><HR NOSHADE COLOR=Black SIZE=1></TD></TR>
</TABLE>



<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>21

 </FONT></P><BR>
<HR SIZE=1 NOSHADE color=black>
<BR>



<!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->
<A NAME=A058></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>REPORT OF THE AUDIT
COMMITTEE </FONT></H1>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>The
following Report of the Audit Committee does not constitute soliciting material and should
not be deemed filed or incorporated by reference into any other Company filing under the
Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended,
except to the extent the Company specifically incorporates this Report into such other
filing.</I> </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Management
is responsible for the Company&#146;s financial reporting process including its system of
internal controls, and for the preparation of consolidated financial statements in
accordance with generally accepted accounting principles. The Company&#146;s independent
auditors are responsible for auditing those financial statements. Our responsibility is to
monitor and review these processes. It is not our duty or our responsibility to conduct
auditing or accounting reviews or procedures. We are not employees of the Company and we
may not be, and we may not represent ourselves to be or to serve as, accountants or
auditors by profession or experts in the fields of accounting or auditing. Therefore, we
have relied, without independent verification, on management&#146;s representation that
the financial statements have been prepared with integrity and objectivity and in
conformity with accounting principles generally accepted in the United States of America
and on the representations of the independent auditors included in their report on the
Company&#146;s financial statements. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
accordance with our written charter, a copy of which is attached as Appendix I to this
proxy statement, we assist the Board in oversight of the quality and integrity of the
accounting, auditing, and financial reporting practices of the Company. We are composed of
three members, two of whom have been determined by the Board to be independent directors,
as independence is defined by the listing standards of The NASDAQ National Market. The
Board has determined that (i) Mr. Lemond does not meet the NASDAQ independent director
requirements solely as a result of his employment by Triarc Companies, Inc., an affiliate
of the Company; (ii) Mr. Lemond meets the exception from the independence standards
provided for in the NASDAQ listing standards in that he is not a current employee or
immediate family member of such an employee; and (iii) due to Mr. Lemond&#146;s in-depth
knowledge of the Company and its operations, his prior service on the Board and the Audit
Committee, and his financial expertise, Mr. Lemond&#146;s membership on the Audit
Committee is required by the best interests of the Company and its stockholders. BDO
Seidman, LLP, the Company&#146;s independent auditors, have unrestricted access to the
Audit Committee. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
performing our oversight function, we reviewed the Company&#146;s audited consolidated
financial statements for the fiscal year ended December 31, 2002 and met with both
management and BDO Seidman, LLP to discuss those consolidated financial statements. As
noted above, management has represented to us that the consolidated financial statements
were prepared in accordance with accounting principles generally accepted in the United
States of America. We have received from and discussed with BDO Seidman, LLP the written
disclosure and the letter required by Independence Standards Board Standard No. 1
(Independence Discussions with Audit Committees). We have also considered whether the
independent auditors&#146; provision of non-audit services to the Company is compatible
with the auditors&#146; independence from the Company and have determined that their
provision of such non-audit services does not adversely impact their independence. We also
discussed with BDO Seidman, LLP any matters required to be discussed by Statement on
Auditing Standards No. 61 (Communication with Audit Committees), as amended by Statement
on Auditing Standards No. 89 and No. 90, and, with and without management present,
discussed and reviewed the results of BDO Seidman, LLP&#146;s examination of the
Company&#146;s consolidated financial statements. </FONT></P>

<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>22

 </FONT></P><BR>
<HR SIZE=1 NOSHADE color=black>
<BR>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Based
on these reviews and discussions, and subject to the limitations on the role of the Audit
Committee and the Audit Committee&#146;s responsibility described above and in the Audit
Committee&#146;s written charter, the Audit Committee (which, at that time, consisted of
Messrs. Kogan, Mandell and Lemond) recommended to the Board that the Company&#146;s
audited consolidated financial statements be included in the Company&#146;s Annual Report
on Form 10-K for the fiscal year ended December 31, 2002. </FONT></P>




<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM">
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="1"></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="1"></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="50%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD WIDTH="50%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Richard A. Mandell, Chairman</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Neville J. Katz</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Alexander Lemond</FONT></TD></TR>
</TABLE>
<BR><BR>


<!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->
<A NAME=A059></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>RATIFICATION OF
SELECTION OF INDEPENDENT AUDITORS<BR>(Proposal No. 2) </FONT></H1>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Audit Committee has selected BDO Seidman, LLP as the Company&#146;s independent auditors
for the fiscal year ending December 31, 2003, and the Board has directed that management
submit the selection of independent auditors for ratification by stockholders at the
annual meeting. BDO Seidman, LLP began auditing the Company&#146;s consolidated financial
statements with the fiscal year ended December 31, 2001. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Stockholder
ratification of the selection of BDO Seidman, LLP as the Company&#146;s independent
auditors is not required by the Company&#146;s Bylaws or otherwise. However, the Board is
submitting the selection of BDO Seidman, LLP to the stockholders for ratification as a
matter of good corporate practice. If the stockholders fail to ratify the election, the
Audit Committee and the Board will reconsider whether or not to retain that firm. Even if
the selection is ratified, the Audit Committee and the Board in their discretion may
direct the appointment of different independent auditors at any time during the year if
they determine that such an appointment would be in the best interests of the Company and
its stockholders. </FONT></P>



<!-- MARKER FORMAT-SHEET="Para Large Hang Lv 4-TNR" FSL="Default" -->
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0" BORDER="3">
<TR bgcolor=silver VALIGN=TOP>


<TD WIDTH="100%" align=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2><B>The
Board of Directors recommends a vote <U>FOR</U> the ratification of the selection of BDO<BR>
Seidman, LLP as the Company&#146;s independent auditors for 2003.</B> </FONT></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>23

 </FONT></P><BR>
<HR SIZE=1 NOSHADE color=black>
<BR>

<!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->
<A NAME=A061></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>STOCKHOLDER PROPOSALS
AND NOMINATIONS </FONT></H1>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Stockholder
proposals for the 2004 annual meeting, currently anticipated to be held in the spring of
2004, must be received at the principal executive offices of the Company by December 15,
2003, to be considered for inclusion in the Company&#146;s proxy materials relating to
such meeting. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
you wish to nominate directors or bring other business before the stockholders at the
2004 annual meeting of stockholders:  </FONT></P>



<UL>
<LI><FONT FACE="Times New Roman, Times, Serif" SIZE=2>You must be a stockholder of record at the time of giving notice and be entitled to vote
at the meeting of stockholders to which the notice relates; </FONT>

 <LI>   <FONT FACE="Times New Roman, Times, Serif" SIZE=2>    You must notify the Company in writing no later than March 25, 2004; and </FONT>



<LI><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
Your notice must contain the specific information required in our Bylaws. Our Bylaws
require that there be furnished to the Company written notice with respect to the
nomination of a person for election as a director, as well as the submission of a
proposal, at a meeting of stockholders. In order for any such nomination or submission to
be proper, the notice must contain certain information concerning the nominating or
proposing stockholder, and the nominee or the proposal, as the case may be. A copy of the
applicable Bylaws may be obtained, without charge, upon written request to the Secretary
of the Company at its principal executive offices in San Diego, California. </FONT>


</UL>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A
nomination or other proposal will be disregarded if it does not comply with the above
procedure and any additional requirements set forth in our Bylaws. Please note that these
requirements relate only to the matters that you wish to bring before your fellow
stockholders at an annual meeting. They are separate from the SEC&#146;s requirements to
have your proposal included in our proxy statement. </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->
<A NAME=A062></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>INDEPENDENT AUDITORS </FONT></H1>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Representatives
of BDO Seidman, LLP are expected to be present at the meeting and will be given an
opportunity to make a statement and to respond to questions regarding BDO Seidman&#146;s
audit of the Company&#146;s consolidated financial statements and records for the fiscal
year ended December 31, 2002. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company has elected to adopt the Securities and Exchange Commission&#146;s new proxy
disclosure requirements relating to fees paid to the Company&#146;s independent certified
public accountants prior to the effective date of such disclosure requirements. Under the
new requirements there are four categories of fees: Audit, Audit Related, Tax and All
Other. Under the previous disclosure requirements, there were three categories of fees:
Audit, Financial Information Systems Design and Implementation, and All Other. In
addition, the new disclosure requirements also provide that comparative information for
the prior fiscal year be reported. Accordingly, the fee information presented in the 2002
proxy for 2001 has been restated here for comparative purposes. </FONT></P>

<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>24

 </FONT></P><BR>
<HR SIZE=1 NOSHADE color=black>
<BR>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We
have paid the following fees to BDO Seidman, LLP for work performed in 2002 and to BDO
Seidman, LLP and Ernst &amp; Young, LLP for work performed in 2001 or attributable to the
audit of our 2002 and 2001 consolidated financial statements: </FONT></P>





<TABLE CELLPADDING=0 CELLSPACING=0 BORDER=0 ALIGN=Center WIDTH=600>
<TR VALIGN=Bottom>
     <TH WIDTH="30%" ALIGN="center"><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH ALIGN="CENTER" WIDTH="35%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2002</FONT><HR size=1 width=40%  color=black></TH>
     <TH ALIGN="CENTER" WIDTH="35%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2> 2001</FONT><HR size=1 width=40% color=black></TH></TR>
<TR VALIGN=Bottom>
     <TH WIDTH="30%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH COLSPAN="2" ALIGN="CENTER" WIDTH="35%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2> &nbsp;&nbsp;&nbsp;
(Amounts in thousands)</FONT></TH>
     </TR>

<TR VALIGN=Bottom>
     <TD WIDTH="30%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Audit Fees</FONT></TD>
     <TD WIDTH="35%" ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$311&nbsp;</FONT></TD>
     <TD WIDTH="35%" ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$355&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT" WIDTH="30%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Audit-Related Fees</FONT></TD>
     <TD ALIGN="CENTER" WIDTH="35%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$234&nbsp;</FONT></TD>
     <TD ALIGN="CENTER" WIDTH="35%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$167&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT" WIDTH="30%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Tax Fees</FONT></TD>
     <TD ALIGN="CENTER" WIDTH="35%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$103&nbsp;</FONT></TD>
     <TD ALIGN="CENTER" WIDTH="35%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$&nbsp;&nbsp;69&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT" WIDTH="30%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>All Other Fees</FONT></TD>
     <TD ALIGN="CENTER" WIDTH="35%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$&nbsp;&nbsp;19&nbsp;</FONT></TD>
     <TD ALIGN="CENTER" WIDTH="35%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$&nbsp;&nbsp;12&nbsp;</FONT></TD></TR>
</TABLE>



<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<A NAME=A063></A>
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><i><B>Audit Fees </B></i></FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Audit
fees include fees for services that normally would be provided by the accountant in
connection with statutory and regulatory filings or engagements and that generally only
the independent accountant can provide. In addition to fees for an audit or review in
accordance with generally accepted auditing standards, this category contains fees for
comfort letters, statutory audits, consents, and assistance with and review of documents
filed with the SEC. </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<A NAME=A064></A>
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><i><B>Audit Related Fees</B></i> </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Audit-related
fees are assurance related services that traditionally are performed by the independent
accountant, such as: employee benefit plan audits, due diligence related to mergers and
acquisitions, internal control reviews, attest services that are not required by statute
or regulation and consultation concerning financial accounting and reporting standards. </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<A NAME=A065></A>
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><i><B>Tax Fees</B></i> </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tax
fees include corporate, international and employee benefit services, in addition to
expatriate related services </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As
noted in the Audit Committee Report (see page 22), the Audit Committee has considered
whether the provision of services by BDO Seidman, LLP that were not related to the audit
of the Company&#146;s consolidated financial statements referred to above and to the
reviews of the interim financial statements included in the Company&#146;s Forms 10-Q is
compatible with maintaining BDO Seidman, LLP&#146;s independence. </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<A NAME=A066></A>
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><i><B>Changes in the
Company&#146;s Certifying Accountant</B></i> </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Effective
July 30, 2001, the Company engaged BDO Seidman, LLP as the Company&#146;s independent
accounting firm. The decision to engage BDO Seidman, LLP as the Company&#146;s accountants
was recommended by the Company&#146;s Audit Committee and approved by the Company&#146;s
Board of Directors. The Company had not consulted with BDO Seidman, LLP on any matter
during the two most recent fiscal years or any later interim period prior to engaging BDO
Seidman, LLP. Information relating to the resignation of the Company&#146;s former
accountant, Ernst &amp; Young LLP, was reported on the Company&#146;s Form 8-K dated May
31, 2001. </FONT></P>


<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>25

 </FONT></P><BR>
<HR SIZE=1 NOSHADE color=black>
<BR>
<!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->
<A NAME=A067></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>OTHER MATTERS </FONT></H1>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As
of the date of this proxy statement, the Board of Directors does not intend to present at
the annual meeting any matters other than those described herein and does not presently
know of any matters that will be presented by other parties. If any other matter is
properly brought before the meeting for action by stockholders, proxies in the enclosed
form returned to the Company will be voted in accordance with the recommendation of the
Board of Directors or, in the absence of such a recommendation, in accordance with the
judgment of the proxy holder. </FONT></P>



<!-- MARKER FORMAT-SHEET="Signature (Single)" FSL="Project" -->
<TABLE WIDTH=100% CELLSPACING=0 CELLPADDING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=40%><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TD>
<TD WIDTH=10%><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TD>
<TD WIDTH=50%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><B>ENCORE CAPITAL GROUP, INC.</B><BR><BR>
<BR>/s/ Carl C. Gregory, III<BR>&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;<BR>
Carl C. Gregory, III<BR> President and Chief Executive Officer</FONT></TD>
</TR>
</TABLE>

<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>October 24, 2003 </FONT></P>




<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>26

 </FONT></P><BR>
<HR SIZE=1 NOSHADE color=black>
<BR>


<!-- MARKER FORMAT-SHEET="Head Right-TNR" FSL="Project" -->
<A NAME=A068></A>
<P ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><B>APPENDIX I </B></FONT></P>

<!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->
<A NAME=A069></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>ENCORE CAPITAL GROUP,
INC. <BR>CHARTER OF THE AUDIT
COMMITTEE OF THE BOARD OF DIRECTORS </FONT></H1>


     <UL>
<LI><FONT FACE="Times New Roman, Times, Serif" SIZE=2>  Purpose</FONT></UL>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
primary  function of the Audit Committee is to assist the Board of Directors in
fulfilling its oversight  responsibilities by reviewing (i) the Company's financial
 statements provided to stockholders,  debtholders,  the public and others, (ii) the
Company's system of internal controls  regarding finance,  accounting,  legal compliance
and ethical behavior and (iii) the  Company's  auditing, accounting and financial
 reporting process generally.  Consistent with this function,  the Audit Committee shall
encourage  continuous improvement of, and foster adherence to, the Company's policies,
procedures and practices at all levels. </FONT></P>



<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
meeting its responsibilities, the Audit Committee is expected to:  </FONT></P>



<UL>

 <LI> <FONT FACE="Times New Roman, Times, Serif" SIZE=2>     serve as an independent and objective party to review the Company's financial reporting process and internal control system;</FONT>

 <LI>  <FONT FACE="Times New Roman, Times, Serif" SIZE=2>    review and appraise the audit activities of the Company's outside auditors; and</FONT>

  <LI>  <FONT FACE="Times New Roman, Times, Serif" SIZE=2>    provide an open avenue of communication among the outside auditors, management and the Board of Directors.</FONT>

</UL>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Without
 limiting  the  foregoing,  and in  recognition  of the fact  that  the  Company's
 outside  auditors  are  ultimately accountable  to the Board of Directors  and the Audit
 Committee,  the Board of  Directors  and the Audit  Committee  have the ultimate
authority and  responsibility  to select,  evaluate and, where  appropriate,  replace the
outside  auditors and/or nominate the outside auditors for stockholder approval. </FONT></P>



<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Audit Committee shall primarily  fulfill these  responsibilities  by carrying out the
activities  enumerated in Section IV of this Charter.  In carrying out its
 responsibilities,  the Audit  Committee  has the authority to retain legal,  accounting
or other consultants to advise the Audit Committee. </FONT></P>


<UL>
 <LI>   <FONT FACE="Times New Roman, Times, Serif" SIZE=2>   Organization</FONT>

</UL>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Audit  Committee  shall be  appointed  by the Board of  Directors  and shall be
 comprised  of three or more  directors as determined  by the Board of  Directors,  each
of whom shall be an  independent  director (as defined by all  applicable  Nasdaq and SEC
rules and regulations) and each of whom is free from any relationship  that, in the
opinion of the Board of Directors,  would interfere with the exercise of the director's
independent judgment as a member of the Audit Committee. </FONT></P>



<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
members of the Audit Committee shall have a working  familiarity  with basic finance and
accounting  practices and be able to read and understand  fundamental  financial
 statements,  including the Company's  balance sheet,  income  statement,  and cash flow
statement or shall become able to do so within a reasonable  time after his or her
 appointment  to the Audit  Committee.  At least one member of the Audit Committee shall
have past employment experience in finance or accounting,  requisite professional
 certification in accounting, or any other comparable experience or background which
results in that member's financial  sophistication,  including being or having been a
chief executive officer, chief financial officer or other senior officer with financial
oversight responsibilities.  </FONT></P>

<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>I-1

 </FONT></P><BR>
<HR SIZE=1 NOSHADE color=black>
<BR>

<UL>
 <LI>   <FONT FACE="Times New Roman, Times, Serif" SIZE=2>        Meetings</font>

</UL>


<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Audit  Committee  shall meet as  circumstances  require.  The Audit  Committee  may
 require  members of  management,  the Company's  outside  auditors or others to attend
 meetings and to provide  pertinent  information  as necessary.  As part of its job to
foster open  communication,  the Audit  Committee shall meet at least annually with
 management and the Company's  outside  auditors in separate sessions to discuss any
matters that the Audit Committee or any of these groups believe should be discussed
privately. </FONT></P>

<UL>

   <LI>   <FONT FACE="Times New Roman, Times, Serif" SIZE=2>     <B>Responsibilities and Duties</B></font>


</UL>
<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To
 fulfill its responsibilities and duties, the Audit Committee shall:</FONT></P>

<UL>
 <LI>   <FONT FACE="Times New Roman, Times, Serif" SIZE=2>   Review
with financial  management and the Company's outside auditors the Company's annual
audited  financial  statements prior          to the filing of such  statements  with the
 Securities  and Exchange  Commission.  This review should include a discussion of
         the outside auditors'  judgments about the quality and  appropriateness of the
Company's  accounting  principles and financial          disclosure practices, as applied
in its financial reporting,  including review of estimates,  reserves and accruals,
review of          judgmental areas,  review of audit adjustments  whether or not
recorded and such other inquiries as may be appropriate.  Based          on this review,
 the Audit  Committee  shall make its  recommendation  to the Board of  Directors  as to
the  inclusion of the          Company's audited financial statements in the Company's
Annual Report on Form 10-K. </FONT>



 <LI><FONT FACE="Times New Roman, Times, Serif" SIZE=2>     Review the performance of the outside auditors and make  recommendations  to the Board of Directors  regarding the appointment
         or replacement of the outside auditors.</FONT>

 <LI> <FONT FACE="Times New Roman, Times, Serif" SIZE=2>     On an annual  basis,  review and discuss with the outside  auditors all  relationships  the outside  auditors have or have had
         during the current year with the Company to determine the outside  auditors'  continued  independence.  In connection with the
         foregoing,  the Audit  Committee  shall request that the outside  auditors  submit to the Audit Committee on an annual basis a
         written statement  delineating all such relationships,  shall discuss with the outside auditors any disclosed  relationship or
         services that may impact the objectivity and  independence of the outside  auditors and shall, if appropriate,  recommend that
         the Board of  Directors  take  appropriate  action in  response  to the  written  statement  to satisfy  itself of the outside
         auditors' independence.</FONT>

<LI> <FONT FACE="Times New Roman, Times, Serif" SIZE=2>      Review and  reassess the  adequacy of the Audit  Committee's  Charter  annually  and  recommend to the Board of Directors  any
         changes  deemed  appropriate  by the Audit  Committee.  The Chairman of the Audit  Committee  may  represent  the entire Audit
         Committee for purposes of this review.</FONT>

<LI> <FONT FACE="Times New Roman, Times, Serif" SIZE=2>      Consider and pre-approve all auditing  services and non-audit  services to be provided to the Company by its outside  auditor.
         All non-audit  services  permitted  pursuant to law to be provided by the outside auditors must be considered and pre-approved
         by the Audit Committee and such approvals must be disclosed in the Company's  applicable  periodic  public filings.  The Audit
         Committee may delegate to one or more designated  members of the Audit Committee who are independent  directors of the Company
         the  authority to grant  pre-approvals  as required by this item IV(e),  provided  that the  decisions of any such  designated
         members to whom such authority is delegated will be presented to the full Audit Committee at its scheduled meetings.</FONT>

</UL>

<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>I-2

 </FONT></P><BR>
<HR SIZE=1 NOSHADE color=black>
<BR>





<UL>

<LI><FONT FACE="Times New Roman, Times, Serif" SIZE=2>       Prepare any reports of the Audit  Committee  required by applicable  securities  laws or stock market listing  requirements or
         rules to be included in any proxy statements, information statements or other documents.</FONT>

<LI> <FONT FACE="Times New Roman, Times, Serif" SIZE=2>      Approve the fees to be paid to the outside auditors in connection with the Company's
annual audit.</FONT>

<LI> <FONT FACE="Times New Roman, Times, Serif" SIZE=2>      Review with the outside auditors their audit plan, the scope of their audit, the auditors'
report and their recommendations.</FONT>

<LI> <FONT FACE="Times New Roman, Times, Serif" SIZE=2>       Discuss with the outside  auditors  matters  identified by the auditors for discussion
 with the Audit Committee in accordance
         with applicable AICPA statements on auditing standards.</FONT>

<LI><FONT FACE="Times New Roman, Times, Serif" SIZE=2>       Review and discuss with management and the Company's  outside  auditors,
the integrity of the Company's  financial  reporting
         process.</FONT>

<LI><FONT FACE="Times New Roman, Times, Serif" SIZE=2>       Review and discuss with  management and the Company's  outside  auditors,  the quality and adequacy of the Company's  internal
         accounting controls.</FONT>

<LI> <FONT FACE="Times New Roman, Times, Serif" SIZE=2>       Review, at least annually,  with the Company's counsel,  material pending or threatened  litigation,  legal compliance matters
         and any other legal matter that could have a significant impact on the Company's financial position or results of operations.</FONT>

<LI><FONT FACE="Times New Roman, Times, Serif" SIZE=2>        Perform any other  activities  consistent with this Charter,  the Company's  By-laws and governing law, as the Audit Committee
         or the Board of Directors deems necessary or appropriate.</FONT>


</UL>



<!-- MARKER FORMAT-SHEET="Center Rule" FSL="Default" -->
     <P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>*** </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;While
the Audit Committee has the responsibilities and powers set forth in this Charter, the
Company&#146;s management is responsible for preparing the Company&#146;s financial
statements and the outside auditors are responsible for auditing them. The Audit Committee
is responsible for overseeing the conduct of these activities. Consequently, in carrying
out its responsibilities, the Audit Committee is not determining that the Company&#146;s
financial statements are complete and accurate and are in accordance with generally
accepted accounting principles, nor is the Audit Committee providing any expert or special
assurance as to the Company&#146;s financial statements or any professional certification
as to the outside auditors&#146; work. </FONT></P>

<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>I-3

 </FONT></P><BR>
<HR SIZE=1 NOSHADE color=black>
<BR>





<!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->
<A NAME=A071></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>ENCORE CAPITAL GROUP,
INC. </FONT></H1>

<!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->
<A NAME=A072></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>ADMISSION TICKET </FONT></H1>

<!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->
<A NAME=A073></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>FOR THE ANNUAL MEETING
OF STOCKHOLDERS <BR>TO BE HELD ON NOVEMBER 18,
2003 </FONT></H1>

<!-- MARKER FORMAT-SHEET="Head Minor Center-TNR" FSL="Project" -->
<A NAME=A075></A>
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The 2003 Annual Meeting
of Stockholders of Encore Capital Group, Inc. will <BR>be held at the offices
of Jefferies &amp; Company, Inc., 520 Madison Avenue, New York, New York 10022, <BR>on
November 18, 2003, at 5:00 p.m., local time. </FONT></P>
<BR><BR><BR><BR><BR>


<!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->
<A NAME=A077></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>ENCORE CAPITAL GROUP,
INC. </FONT></H1>

<!-- MARKER FORMAT-SHEET="Head Major Center Bold 1-TNR" FSL="Project" -->
<A NAME=A078></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Annual Meeting of
Stockholders -November 18, 2003 </FONT></H1>

<!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->
<A NAME=A079></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>THIS PROXY IS
SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS </FONT></H1>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
undersigned hereby appoints each of Carl C. Gregory, III, Barry R. Barkley and J. Brandon
Black proxies with full power of substitution, acting unanimously and voting or if only
one is present and voting then that one, to vote the shares of common stock of Encore
Capital Group, Inc., which the undersigned is entitled to vote, at the Annual Meeting of
Stockholders to be held at the offices of Jefferies &amp; Company, Inc., 520 Madison
Avenue, New York, New York 10022, on November 18, 2003, beginning at 5:00 p.m. local time,
and at any adjournment or adjournments thereof, with all the powers the undersigned would
possess if present. </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2><B>This proxy revokes
any and all other proxies heretofore given by the undersigned.</B> </FONT></H1>

<!-- MARKER FORMAT-SHEET="Head Minor Center Bold-TNR" FSL="Default" -->
<A NAME=A080></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(continued and to be
signed on the other side) </FONT></H1>

<BR>
<!-- MARKER PAGE="sheet: 5; page: 5" -->
<HR SIZE=1 COLOR=black NOSHADE>

<BR>




<!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->
<A NAME=A081></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>ANNUAL MEETING OF
STOCKHOLDERS </FONT></H1>

<!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->
<A NAME=A082></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>ENCORE CAPITAL GROUP,
INC. </FONT></H1>

<!-- MARKER FORMAT-SHEET="Head Major Center Bold 1-TNR" FSL="Project" -->
<A NAME=A083></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>November 18, 2003 </FONT></H1>

<!-- MARKER FORMAT-SHEET="Head Minor Center Bold-TNR" FSL="Project" -->
<A NAME=A084></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Please date, sign and mail
your proxy card in the envelope provided </FONT></H1>

<!-- MARKER FORMAT-SHEET="Head Minor Center Bold-TNR" FSL="Project" -->
<A NAME=A085></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>as soon as possible </FONT></H1>

<!-- MARKER FORMAT-SHEET="Head Minor Center Bold-TNR" FSL="Default" -->
<A NAME=A086></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Please detach along
perforated line and mail in the envelope provided </FONT></H1>

<!-- MARKER FORMAT-SHEET="Page Rule Single" FSL="Default" -->
     <HR ALIGN=LEFT WIDTH=100% SIZE=1 NOSHADE>

<!-- MARKER FORMAT-SHEET="Head Minor Center Bold-TNR" FSL="Project" -->
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>PLEASE SIGN, DATE AND
RETURN PROMPTLY IN THE ENCLOSED ENVELOPE. PLEASE MARK YOUR VOTE IN BLUE OR BLACK INK AS
SHOWN HERE [X] </FONT></H1>

<!-- MARKER FORMAT-SHEET="Head Major Left Bold-TNR" FSL="Default" -->
<A NAME=A087></A>
<H1 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1. ELECTION OF DIRECTORS </FONT></H1>

<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="2">
<TR VALIGN="BOTTOM">
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="1"></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="1"></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="35%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">[&nbsp;&nbsp;&nbsp;] FOR ALL NOMINEES<BR><BR><BR>
[&nbsp;&nbsp;&nbsp;] WITHHOLD AUTHORITY<BR>
FOR ALL NOMINEES<BR><BR><BR>[&nbsp;&nbsp;&nbsp;] FOR ALL EXCEPT<BR>
(See instructions below)</FONT></TD>
     <TD WIDTH="65%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>NOMINEES</B>:<BR>  o&nbsp;&nbsp; Raymond Fleming <BR> o&nbsp;&nbsp; Carl C. Gregory, III<BR>
o&nbsp;&nbsp; Neville J. Katz <BR>o&nbsp;&nbsp; Eric D. Kogan<BR>  o&nbsp;&nbsp; Alexander Lemond<BR> o &nbsp;&nbsp;Richard A. Mandell<BR>
o&nbsp;&nbsp;Peter W. May <BR>   o&nbsp;&nbsp; Nelson Peltz<BR>
o &nbsp;&nbsp;Robert M. Whyte<BR>      </FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="1"></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="1"></FONT></TH></TR>
<TR VALIGN="BOTTOM">
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="1"></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="1"></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD></TR>
<TR VALIGN="BOTTOM">
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="1"></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="1"></FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="1"></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="1"></FONT></TH>
     <Th><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></Th></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD></TR>
</TABLE>

<!-- MARKER FORMAT-SHEET="Footnote Rule-TNR" FSL="Project" -->
<HR SIZE=1 NOSHADE WIDTH=15% ALIGN=LEFT>

<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>INSTRUCTION: To withhold authority to
vote for any individual nominee(s), mark &#147;FOR ALL EXCEPT&#148; and fill in the circle
next to each nominee you wish to withhold, as shown here: </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Major Left Bold-TNR" FSL="Project" -->
<A NAME=A088></A>
<H1 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><B>2. RATIFICATION OF
SELECTION OF INDEPENDENT AUDITORS</B> </FONT></H1>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="760">
<TR VALIGN=Bottom>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TD WIDTH="9%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TD>
     <TD WIDTH="25%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>[&nbsp;&nbsp;] FOR</FONT></TD>
     <TD WIDTH="8%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TD>
     <TD WIDTH="25%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>[&nbsp;&nbsp;] AGAINST</FONT></TD>
     <TD WIDTH="8%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TD>
     <TD WIDTH="25%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>[&nbsp;&nbsp;] ABSTAIN</FONT></TD></TR>
</TABLE>

<BR><BR>


<!-- MARKER FORMAT-SHEET="Head Minor Center-TNR" FSL="Project" -->
<P ALIGN=left><FONT FACE="Times New Roman, Times, Serif" SIZE=2>3.                In
their discretion, the Proxies are authorized to vote upon such other business
               as may properly come before this meeting.  </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2><B>IF YOU RETURN YOUR PROPERLY
EXECUTED PROXY, WE WILL VOTE YOUR SHARES AS YOU DIRECT. IF YOU DO NOT SPECIFY ON YOUR
PROXY CARD HOW YOU WANT TO VOTE YOUR SHARES, WE WILL VOTE THEM FOR PROPOSALS 1 AND 2 AND
IN THE DISCRETION OF THE PROXIES ON SUCH OTHER MATTERS AS MAY PROPERLY COME BEFORE THE
MEETING OR ANY ADJOURNMENTS THEREOF.</B> </FONT></P>

<!-- MARKER FORMAT-SHEET="Page Rule Single" FSL="Default" -->
     <HR ALIGN=LEFT WIDTH=100% SIZE=1 NOSHADE>
<BR><BR>


<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>------------------------------------------------------------------------------- </FONT></P>





<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>------------------------------------------------------------------------------- </FONT></P>



<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>To change the address on your
account, please check the box at right and indicate your new address in the address space
above. Please note that&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [&nbsp;&nbsp;&nbsp; ]<BR> changes to the registered name(s) on the account may not be
submitted via this method. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Hang Lv 5-TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=45%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2> </FONT></TD>
<TD WIDTH=50%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The undersigned
hereby revokes any proxy or proxies heretofore given to vote such shares at said meeting
or at any adjournment thereof.<BR><BR>Please sign exactly as your name or names appear on this Proxy. When shares are held jointly,
each holder should sign. When signing as, executor, administrator, attorney, trustee or
guardian, please give full title as such. If the signer is a corporation, please sign full
corporate name by duly authorized officer, giving full title as such. If signer is a
partnership, please sign in partnership name by authorized person.</FONT></TD>
</TR>
</TABLE>
<BR>





<TABLE CELLPADDING=0 CELLSPACING=0 BORDER=0 ALIGN=right WIDTH=600>
<TR VALIGN=Bottom>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH></TR>
<TR>
     <TD ALIGN=center><HR NOSHADE COLOR=Black width=80% SIZE=1></TD>
     <TD ALIGN=left><HR NOSHADE COLOR=Black  width=20% SIZE=1></TD></TR>
<TR VALIGN=Bottom>
     <TD WIDTH=50% ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Signature of Stockholder</FONT></TD>
     <TD WIDTH=50% ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Date</FONT></TD></TR>
<TR>
     <TD ALIGN=center><HR NOSHADE COLOR=Black width=80% SIZE=1></TD>
     <TD ALIGN=left><HR NOSHADE COLOR=Black width=20% SIZE=1></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Signature of Stockholder</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Date</FONT></TD></TR>
</TABLE>






</BODY>
</HTML>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>graph9.gif
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 graph9.gif
M1TE&.#EA7@(/`\01`+^_OW]_?S\_/P```._O[]_?W\_/SZ^OKY^?GX^/CV]O
M;U]?7T]/3R\O+Q\?'P\/#________P``````````````````````````````
M`````````````````````````"'Y!`$``!$`+`````!>`@\#0`7_("2.9&F>
M:*JN;.N^<"S/=&W?>*[O?.__P*!0%1D:@8B%8&&`%!#'%2$!B)X,#,'A!`AX
MO^!``9`@!!'A@A-<_0$4`D8[`.PN%+!I^V8(AZ$S!0%W*FA^>U:)BCI%BXXM
M!P,.*`H!`R2650-[`W0B`@(B`Z$C`I<B!W"G$`-X))U.#0.2`02@)*:B6Y^D
M)[DCEJ*>*@"P$%V8IY9J"6K%"U\,QG"@U=:@@*^GIF"R(P8*"YNB#2P$LVHF
M"'VKK)[&$+<BP>[`V[U."0K&\/4$#PL@$'!%Z\N#=BE^'1LGHA@=`<-$$$#C
M@)0\%:;:G/-4#**7?73@%</ER9*95ZX@_P0(!>#@@`;9'LD\T6BFS2@%Q#T0
M<[.GSY]`@PH=*K0FT:-(CXXJ,0J,H`=,YZT*-B`!)E(C155!`)&KUGD0VSUS
M:L+`@(`CQ%D-P(`$``9,M@V#6.PD1!0KA8WH%`!JTK^`?QH-3+BPX<.($RM>
M3).Q8YL.10"R>FR80T\-RI5HMO25)X4B&0)J>T+6R1%6!P)8G6#`KDPG8'O&
MM7KU`\TJ&8H@;:*B6V.R!6A&T*]8%>-N2^I>`2_`'DM>!+XT0?FQ]46#KVO?
MSKV[]^]%P8L?3[Z\^?-$T*M?S[Z]>Z+9WP>F1\*O2HZ@AET24.4<JU?0>`'`
M7:*8D-="\;2!$/])!"Z!%@14B%!`@PL\&*$3_'T2G``/.#-`.K3=]PERI51!
MBBVLM#%@/",6B`:$O/T&3"T"LM1+`@%$PH5%)>'S58HCG*.`A[N<A=5%`YDQ
M$"DK';C2$O-,(E]A\4UIY9589JDE!%5NZ>678(;I6)=BEFGFF6C.1&::;+;I
MYILTK*D#`4T8,!$$6QPP!@3K-,$%G(`&^AXBY<G9$Z&")JKH=XB.9^A-C2XJ
MZ:2+10K>HY!1JNFFB5GZ'::+$%#;+IR6:NI1GGH':@T3%F"`GPB\N)*))(BZ
M&JFGYJKK,3*EVMVJC_BZZ[!F@AB4L-L!ZPBRQ#:+I9U),7N=LHM(Z^S_M9L>
M4%T-UCY&K2+=8BON=WX:%BYCWR9R[KCL/E:`L86MJUBZ,!@`0!.V.H&`,P><
M5H*\[08\+,"(T1L%P0*31R>\;"*<*7H&'^%PPMNEVNV>ZTW\\'D1&Z$QQ5:4
M>Q.T,'PL$\/@F?Q7QS_8"@"N(+.G<A[&S@RGS4>QK`(!#;210+\XJN0`K4&.
M&C-B".-<L7M*#Z5S$$T?;4.D=(+G[TQ11ZO>TW4<MJW4+V2M@]AADNT3UVX@
M1C*:5PLAK-F.P8V4W#:A[0/=,N!-#&%MNZ4"RN:`M[;?`O6]J-Z/V-T#XN:(
M_*\CCH,M1.0X,$Z8Y8HH7H*]?FI+P!/\&H[Y_^7Q)DRYA&F.;H7F.U@.>-F;
M$QZSZIUN#1CM-]S;@N%[^_"ZY*V[B;L1K(\]4]5__;Z(\L`+.OP0Q=?@,LSG
MX6YQ\Z<^+T3T/+=AYP)!!S`TBT7?VNM?E@/`//:*:A]$])5#SCNX[-<_A/M`
MP)^[?(W.;___+,#?#_0W-?II#8`(G($`?4!`;OEN?<=*H`1IL,`>-)""+W"&
MU2;(01=4D`?P4\.[:O.N=T'```40W0H&1P(3.L%_'8SA8SZX@PLJ4(8XA!W$
M;F<"&#H">2O,H1!S0$-&\/`;/N0!!&G`PA0@8G`N1`$0ATBQ(N;`ABZ87B*F
M:!XK4O%N)HABK0Y0&__=^6(+;U%)%=#8$-L=H0`,.("?!""K#.'#996(R`G0
MD*H#,.!KZ@A`3+@0'6(4,@6"X`DBO:`\1J[`D5(T`!]7,,E"")*2ES2D'DW0
MA4V6()&_2R0+()D"4J*@DBE`Y2DSF4I6KG*0G#PD"CJY`E'^398C0(0I8Z/(
M5J8*#;!TU!%'(,:8<?&+QWN>%V^`Q1AXZIB2$Q5@,":]T]FKC,M41#%MX++:
M[&,6#PCF-]8A$"B(JA:\VB'Z=(!"9&KIFNHC@;U"N9HEEJ";M<$@TMQXP*-<
M,XGN3%0V<\G/N<FLC*?;SC9U9484P!.;V$RH>@8:IYD4H`P".5U6'O<G3G;_
MU*,F6`Y!0<I1DLH.$YYL5*14^E&W^*B-+1UI26=:HIC"E*8R/6DI/#G+GIHT
MI\!X:3I_>E.=`O5'1NT=48=*$ILR-:DLY>2"A"F3Z&CA&)\[@%49\!`$H)$M
MFI`#*_PBU(3<RP`/(,!7F]"%/76!-`,0ZP"@LB*DY6@*=(30%!3@EZKH-0&W
M&!!+8(%+PM3"*G*PRA,`$8HRE*$B#[F+<Y"1&#HX-@"I><,G(*37+(0".BKY
M&0'&A\-F!O2TJ'6!:5/+VM:28+6NC2UJN:80V=H6>QVQH`]J>]N>@-8G(NUM
ML#I3P]U.5;B/^*U$I,&G`60#')900.2(4YT^Y*:I_V9!BRV"BUQP$=>(/>!M
M=\?+KMR"T+BEW%8H"M``>XGH/Y4!@&8`X`!HB&(,//T!@43@B@RE:$#E0@9W
M_W4*TDXB0P>P8X%.,(YBC`$AEW@"*1Y@(E)E:$!J4*M0G?2.`IS"/PCI@WU*
MD*'QT5<EU,.26OV4@'96QE[].D:_1)7B?PG2"_:MC!QC;(`8OVR%"<"1%];[
M!02HM3]DU)?RGB#DO"0R.@?8PI%/^#-$(J#)`E`#&/"TBR@_69QC^^X5T4O>
M,I=7S#B@[7$#,XLV\Q095IG#(.8!`9A\0[ZD:L`82*$`@IP0`%P,!PFL(D?2
MPO<<$]K*,;`R!?#M)05])O]F$YPC@@;T:P`G031E53(/3P@Z1)5I@!FJ\&D1
M`#),SAF?%T[Q(0S==P8]7L4J]B51%T#K0>^J=0L48)4%D,8!5L$H!9G4!D<G
M&6IH9B:9%P-0,SM;*.8M;GC7?)T?"P0J^H"`'!@`!<S2@2O9EH-]*U&"09C!
M`(#E,AT$N8!1<SJ.)@A(`2:Q(@808+0&Z(5S>`;'_N2;TR0PL@@6T`8$V*8_
M,1JX)[Q*\'A,B,YJI#0`E'!"`?P[XF2@`YT8H&4\V1,\SD$`'MJR@'ZU^^1J
M?5`+"EGO:PLB`5"H*PP$8`9!(`@"TE5)6:6`![8DH-TT;_$EVUL#_C!!($SH
M+\[_H@U>'HAW1FPH@2&*_$D_P&OJ7AAD)P740S?/TA/6Q405&-!C%132``[P
ME\%A[0)*1T4ZNJY56D40=K!-_`U06`![U8";MA@`-RK(-J_M+9``Z/D?=#]\
MPE&0@+9HZP`!^1DICGWX$1,CGGP"-`2.K@#26)I\N\OQ`:0$H5[`.>[<2K8-
MU/SL*S2T]9)B^IBG74H?&2#R:.@*`Q2``%$W0`%3$-^KTEXA?1C\$@KH%W^,
MW'`2<)6]"F@)O`KIW-%#2/E7P\(H[)1E`;_7[/JVN+T)OB);/"$`9J$O6Q;`
M%?`E?R4$N$."8X4'@EL\T09RP$<00'(`Q,K\[F=Y"V(6_Z/'%A.1>P0`?[X6
M?+!7)K*79LO&`XID<&0@<DD@<FM@`@E&1N#3>"G49P"&(2^C!5'F!.!3`.0V
M$,#78]HB,AN8;TW0;\?P,G+46HUG:AS70F14@V[Q,B(S!7)`3C#6!'Y$@^"0
M!`G6>*O!!$=6!2BH2'!4!FIU;-\`;RHQ)!`'1UL0A:A`*@:'!D_H?S3W:1,B
M1]S6!=)E<4X@!UI`<&1'3'V&!5#`A4=V`&!V&`^H;+37@'Q8*GFX>A'8AX)X
M.*I7`ZPWB(C8/H5847N8B(YX,XLX`X?XB)38,)$H`Y-8B9KH@)<8`YFXB:#H
M)7]HB($8BJ9X):/(B$Y';:?8BO\3U8DP\(GE)AG;!PMQ@!S2L!KVTG@LT6RN
M^(O5`HLO((LX,"$I,6B+AG,[-P^,4W<Q$"&FEU^E-$HKMP++:':(0',UY@@;
MABB;!@S,$G\U`(VN]P)E=8UJM!J^\$BI@HY9DHJ26(I\D$]A!%'SDT(G@(\^
M`2^8IP*4HX]T]T(QL$2BXHLG\#DY8$TG%$2M\W&(U`,I9$\("4#PB(GRR"9-
M:)`N0$XSD)%#T5:'<64:"00]UH\JH">X)8RJ=9$V4`!DQ`RG,1$A)W`C8(?_
MUPPN^41&U@P_5D^Q0@9J!7-Z(G3JHXY!0@54X%77=V1/L`?XL@Y>E2/;8B?W
M,A$P]C+_*91D.1D3MG*`0#EH-GE1MF(L+4@%^41&5ODRZ!<D4U!S2;8.+]-B
M)ZD^/]D,.YA&N=1B6!DD/VEDJV$&55:3ZH,K"6B'=0(T*_8SBMD';P`*7[,:
M4/D$5'E[FW%EZE,&+^D6%"B9`J&5-?B21V9P5(!^D@<*,`-S2FF51D9&HTD&
MZ*95H*!R,TA&%%B4B"`(.4DH5$!&6)F3G8EN1OF*[AB++%ET:8$"O1`*1N=_
MQJ*<+&(1_.%_H55N`P*9=C@&!*<G/N*<\9`C]R1YS]E"@"5RD(E.71"=5+"`
MN'![*'117@`.A"<AX]DS_J=QN(!SFS4"W$8`;;$:4N(`_^EJ_]+)C!$'>B)`
M;P%1#OMB<X)$)X97"DXP(9\CH2@$>,#H$Q7IB<5YH1SJ'1E*G!T:H@D#6R):
MHE9"HBR`;@878SH`.O)TAWSI?U'&1RA9A^L`<R_3-B[V""B)"B-Y3U2("H4@
MHZA72RR:`BKJ?S]*`D'Z#=N()S08`VK%`A>UFV19I%)'!L=X!:?V`CNX+1?%
M`DWZ232I5CG"@XRWI*IR'5Z@IB70`,(F!!.I1`[PI#*0([K(1`&I*4E@,ECJ
M)7]:,`W1>[5!GW<'/N+&<9`W<0G0,SU3<GJF!?3)!$CH?A/7@;+90I,DDK&2
M>0S3A`+Q,X*`!NXF&8/9#%RF/N@W!?^O<0)HV0>1DY/W1@6"H%4I9'`3490*
MT`#"\2Z?66L[V!!:N7902JPCU00B20:"<"^]Y'":)YD'^#FTV@Q]\)-1-H7]
M0FE)UE;:8FUAY)WH!G-"1Y;-D(`O4Q$]`W/+*@A762O_IR]KE&13YCET=Q)[
MZ9+=:J<Q$WWH9V0D:''\40D!^Q!XH)S5R1^?)5\@`C[W@H3A$&2@H*7;8Z(4
MBRTHVA/G,%5:)1&5-`:H*I*2P1.BLG9HX()<]V<\T06KX79]H%CIX)Y^@E]J
M`(94BB-^8B]G89)2Y0DVQR<PAWZU,6KUA`J8Y9!!\@`=8H(2@2.XT@?>Z00J
M>T)N5QK!90O_DL016E64$4*S?$)I^.6$&<<+Q(0C`L>?.7LO7<";N@-/\KF6
MI50NM44'6@4("7BV2H(&J"JVUK@<L@`B78"J<'2V/09V*CNRYJ2N48M*6?M4
M[G&Q/C$0#3!9@W"S7!4`Y-8%<54%EF!G".``.^%A8'`7Q`$-X-,*E1!7*;L/
M,,%5`5)E?H1C:+0/W*822-NL\A0@]B5R30$X;_424RL9LA!]`Z=R\><1Y*9`
M@S`+T."2`I!')8<`#P`1!/<`N[>YOUM*^D=&@[`+!7`;X7`.D;NYW>:Y4,`5
MG8""K1!'T-$7X81V^E=RPA%L#]!YEOL2@#!OF_%[."91B700E=`?_W=@N>UF
M:O,+#1S29UY0P+7;2K,`$6H0";?Q@95[O`DPOV*5&6R1;S"Q$CL!"&]@ORK1
M`#L1N:T;J&M:HL256V-P$J[B!'[2#J+BM^=6<W7RLB(SM`TQ:O[R*O)D*>?@
M(\)K0BW\9^5B0I@W$@59>RVT!RT,3:[HN!4;%/L5Q><E6Y'1LWYB!PQ!6=0;
M;]E5`@Y`&@I1#!X\#CTK3D@;;VG!7O@@&_$P`),V#@]B#'N2$Y$@,FZL`@"Q
M.<K!"9'G7+\19\M!66YL"J?3'!.WQ71@%HN7J:P%Q52,'BC(H9`<R9;,'95\
MR9KL+?]#'QP"`ZS(`J'\`I';>2+P`%M@</_`]@F[1QJHC'.C11EQP&NG?`!P
M>LK+<%U%9S'#N7*;A"*[,YRW;!8$^&IQ$7.NX1?IQJY9)@Q^8;D'X!>MC!87
MT3R9'%OZ*J2.\7?(^!?9+$VN=<V;/,Z"2L[F#"CB?,[JC!31TRK#%X7KIF#E
MHWGK7,\]D<Y%9<_.1E'QN$[ZW'K\;)'^_,_[7%"H0M#/%M`:.M`(75X_H=`@
M:@2<8VH2LB\RID(-+2Y+5BT&3100G='EX<3!HT[]!-*ELE`X8,)*91[XS+@F
MK2@BS0.MT6:`A%FQLKC61ED?O9)$H44OC5P[W0+MG&7<=T)U1#02830_K2A&
MBZ$=_9%+[3R,$=3_+-#25!W5J?/4T/;/*OTE0QPW6AU!H.BF.&4#70T8330>
M5YT>#)V(B+#6!RTS80V13O!"-6="*(31Y.P^<(V'<_W0K1@N*)W0?^W4A='4
MB9+69:T=>*/8$U78AT(Z1U4_`[5T#@C9C^#3B8'8^U,Z@=-##A0DCLT8"]4M
M?3W2'/-&1!VJ-Z9S2"T02GT49"TQ'JVG8>*+IZTNF+TQBC';+>`KOOT"HPT\
MN;TXNXTUD!(8#J.S8`0VG#TEQ?U:PX0>HV/:6(W:+#W=H:+=0?#<UWU#)&U0
M[1'<'O/=QAW><OJL>Z`1"17=/F7>CXW>M<W127'6\-W6Y&'5]`T4[GW?__W-
M)=P-D<PM%#=+WO>]U?+]$YK-3I5RX&I]W-+3,VL8#Y$K-*_]9=CMX+,#X<&R
M,QHN0_^MWTL%%`]EWQ]>'B$>X$`1TR@PV"F=#B9^X@?#X<LB3^#!,,,MX[Z3
MSR9@"FW6RTXE'B(^,RZ.'C%NSJE20D>^V)<2,G+9!2ADT3GZWO]M$_.$2(22
MXQS*PY&=X`@^X@@$47D:0&,>4`*4XOB=CXAH1F/P02YCX+(-+]Y]`T()(7!`
M#<=!X_O-`Z_2YC.X9%^MXS^QY#7NY1@;V]XA*H3^W7/>Y:D=+'DE5OB`X8).
M16A>Z9@.%+!5+N@FVA(2IK"M/B3C8O2\.]@$?/\-$8-O($+U1,\DDTUM?BL:
M5QML]02AOK8G\>J*@4U0J")>2T)#!;8#_A</=6Q)_#+F1.LG9*]_AL,RU-*9
M?N#0'NWPK69M=NW8GNW:ONW<WNW>_NW@'N[B/N[D7N[F?N[HGN[JON[LWN[N
M_N[P'N_R/N_E#N1"O:$F&NME'BP@N<D?.HSX3K'*52O3L1=R``^Y`+ZOT!:6
M8&%T8!K$-&`5^^\\O8K?W<7RM'C?3?'WWH@&XH7,(G.$9`57=9P)TA#[<1IH
MP1#T(:PWMZ5BQ6`HP/(+,EH_<"`J,,HDICYP_AT/9[D4#0A?H!)<1;LF4FNA
M,`G\QU@KPA:?M1/Q(%'_SO$`*!1.$$#U\L42>:%^*@&C;U7UKT+UW?N?`3%Q
M!DI(?P0!#K`.:?\`4K(`_PD5_.<V*MGQ%N\"W1N8U#[.'%_5`7\485#E>\\T
M=>_W'M\=@B`'_N=XI/4B.!='O,=?7D5V@C`^U'M\O.E?`:<%^O!W6W![_-$:
MI()V/%'Y]P*GGP/W4;8)9)"T`4=P7'$OSV<6>,"?L1*?`I"44/!W'/<`7T/Z
MKE+RG<XGG%^P,(J*7#4@J8`GX*,G'Q)D)4<#:K4)+IG,C%E8,5!R/Z?VEHGS
M-'`-['>&\2D#IO\6*P$-!M=\=5#X*T",A6$*<S=+"S!WTGB?;7<29(2.^>5S
M_WP"`H@`D:49`&9),"H)I-!P`@I)!&HQEXO[`X/"G+!H/"*3RA^*<8`L#`\"
MY%$:%:S)0*ZP&+D*@@*DM108((0$$5$B$I5>2*'`2`5L4'=Z63HT``0DD,1!
M",3X(0$,@"D"13P*"?!(6EYB9FIN<G9Z?H*&BHZ2EIH",3IJ1G92GKZ:`)@=
M"E"IH1P:<9$8."3HX:3\WD#$$8&-C.#".-@6-)`H))94(@`WJQ5/WSB002CD
M@!W8$`3F"$(T4"D\P;J_%Z$H$"X\IT&GC!A`&S'D*#``0\`!-`(##!A(,(*`
MEB+^(!QPTH*-G@,)#``H>-#(/C4/P$%L@)!$@@(`NO^EZR.D`)<O7`(X>`D3
M09T$3Q3X")6J$RM.KHH8(&,+7JB10XDB+6*23M*F3I]"C4IJ)Z>>FWX&65.2
M!$L\*!!\#2#"HAL$"0@<.,"%Y<NR`>I`,'NTF%BQ@@RI28``+`"P;KV5*$!`
M*Q6M<66Z"7*7B\JN)/;F=>N&[5VV7,"^W24HQ1H$Z$Q@3@S!`"Z(;]D"-D$`
M[$C,-VP^+HDBCUZIMF_CSFV*ZB:KFK!J6@,@P8+A-U(``(-"EHL9WI*_P$-B
M04X>=@XA3X$@4&UM*G@066##28EMNL^C5Y'#@`!#!O1D*\'`&P*5$*"33&PV
M%X`%5/!#1X8!.5VW"P2$(#+_(%>S%#+0`>@D`$,#9(17T'(^\`/=+@5@]$\+
M/"!"!B'AS:+*&SG``4U'+Z2W2",\>0+<;S!8D\@(,QC03BXD),/C&W>=@((C
MB`1)@`)4S(:<(0;*@!TA]\WVP@@TD="`:"<4X(`::B5P%I=L)#)`)=1$!Q:9
M)`PP!QU<7*2"<F6HU:*<<])9)R:\K1+CF';RV:>??P(::%)X9N);)C(*FJBB
MBS+:Z**$8F(H)H@Z6JFEEV*:Z2N07B+I)91J&JJHHY)::GDO5J6GJ:NRVJJK
M?W)JB:>6@/JJK;?BFNMNJ/:FJJZ_`ANLL(_$*LFLDM1:Q@")P6?"'<-"&ZVT
MEA;[_\BQCR0[K;;;<EMIM8I<JTBV2XCQ!",`/&`?2Q-F68`"]2VW@C\!4(="
M`VH!8%%:B3RCG6=WU4`<&6D=8$U:>SUHCG_MK;!`P?Y-Z%E)#AC`0(3^=+,`
M6`P0<%TL"R3`0"\L/;Q77RTP?,,=)J>0TU=BS).6"0=/&*%%_K6;D!K2'&!D
M<J(]\S`9GM$TH<;/#-47``40O4\Y3#M\1P`)]06%0@,*4EP`!U#,L\\"7+DU
MO7<<((#%#WE<0I=(%ES&6P(HE%$:8%K)CH[W6=P-`@N@$%'%0#L@M\54GY0<
M<0C07(#-)M@M0`,O@8:X`X!004A&78$=8=&RZ+77XS:A:__?K]_Z$:X?XYY.
M$EY2%O)@`(C40,-R7'BE=5!:#B)(1"*KMG=R9,#^9"%NY.X#(O6\!P,X[GYC
MD@T]%H\,#=JL)J1W'-_-WR`,AU.,-<W'@J+KQ8=?#/7$_7Z?`,I$V+T)(QP0
M5`+0(*-,"HH;SY\9F.&""(H:3F,$`#-?><X1#O(5$$I:2H?R_(,'=,#`?E_(
MGC(2TY?'%0(=`NS/8):D)/P!@``.FTNW2D&Z)9CN#'O"1''*XX+DB/`LY1%)
MP,[1MA(D9!`'\`$!8$`:L"0,!GQ[PABDH28UU*,X-J!74/;"$CLL3P%,>]".
M8L&S*2(`+?5AFAOR9:;`P(`E0#3_`7$P`HXG(,X^90S`:M*"E@<AS@VJL`-:
M%)"CLA3,"Q4#0AM_N+75U&`;[UE-?590EYZ%D8DS^XS*(G2Q')6$:>QYCT78
M`)'AU&,%#ZJ%R2J&@[!%81!_3"-H'E22BTWQ/L/I(]-^9\=W$<*1.2F$UOR&
MN!!ZQFB*V]MHS+(UT`22:.Y27F!\@+B[Z84T=\1(VW+$'E:=4`DI5`+JE$":
MM(BN=>V#3%:$%XLK_6`UJ?F!XE2`%A("P0`T`:<0<D0*$J)3;2$DALP@HB.T
MF,<(5'Q)"IHHH*5Q932J_,\\J5C"@Q(EFDF89A*JB="'0C2B3E$H$AB*!(=*
M-*,:W2@H_RAZ!(MR-*0B'2FC0$K2DZ(TI>DQZ3N(Q#KLG`LY(B--#GA@L8P\
MX(%N0I/YLB<"%4!'9D]8S1A*XP(BJ(,!B(.".M'`-)NTX`D1.A`!P*``!\B1
M1WTP8`N$0SQT6`$M".$"D<`FO3)$J`$/V<S_5.F"[9@`9/UY'17\=Z#B\(U)
M!83@'4R4P4-P*!#)N2H;!3L``N2H1V4(881\8%0HI<-'?^`%.`0K@+`JQ$<N
M=9]%.*0>0X!G.#E02%H3X`#>J2"S$!&`6HA0@!VBRT?'&`T@<K&/X:BB';)X
M'438`[QG"8!O]VF?"9XI"T:>*0_HD`=6^6,#61@6)FQ<@)4TQ?^*CHEQ35W$
M!6GNUR$EI4`M9!"$-]H!EO],C3!`&"\6:D`O#MG$F^I[@PA;8CAUL"$AE>2"
ME<:1I1@FQ`<*:)88Z]-"'(X)!ZV=`UD"R3&S_*(]XXBG"2J1`\39P#-O46=&
M8O$`=]4#)U,+Q"'&<;=^M6TV(MR;:5N+$WRYKB\[',AH!H$0N*%6"$4SE_O4
MQ@4':.D]OU`K&]X2B"DV:\7B:1^2XR)>-E#WPWL+QH@LLCJ59N*U^:)"1%B;
MA&9]HP3@E,MA!K.V[(J"I5A>,YO;?`HUNSG.<IZSK.ALYSOCN5>XNJP*%C"`
M*\/"#O(]A7`?D"94_%D%!AC`<.8SB@3_\(H$Z0)%`*8`FDC'R*\JB-."!JV(
M2ML"*P$!`J<GH6DW,=H$#UA@$$I]4C@O*@"85D%U21`3-/%N!V"SM1X:\21&
MQ`]5,*%&C09@A40[8B`A_#!74BV#`SM@EBY@B&@"AR9`QV(`#J!$HM\P`V!?
M@4*.`/4C&+(L'CX@#@U`@[8'=F@9!.`.8LKF?<0TA#%UNQ&)V7:%KNUM'H'A
M`0\8ZK+\30TV/H`?]_'!N6[0[2(`AP&S_`*/XL"`;C<@)^LS`B7RN@"EOL'2
M$+'TPQGQ/C@(0(J4(,0`#DR=*B[Z5K!>E`(>_H>+O!L*6G`VO*\`!F.;8-L'
MF'0QG".#;2!;_R52,&W0S<#SC0,!TH#YN,&%P`A`R[H''WZ20<`YSB78^QLY
MWU+!(<)H,MB\U6E70PNR3I)\QP'J1:^ZH0%.AP?DQ"!L[#D4^+X#XI2@`:P.
M*,?']`#1(&`C*=N..JJ$!;D'@1(V2C6DI<V4;A>G$HM&>7.,,0)L/.;4I)KY
MM-:>Y].COG2I=Y1!%,X`HL=#%CR_33E$4_-\NN@(RI[UZB]%^M[;1MM<P`EI
M@#&#UVUM`$_@`4/Z\)"6NPL:,`EOH@U2L8W@I]L*J,7`BSY8$@R=":8OAL8.
MT(@!/`E$"O\P(W+2`$\70SEFD`(.VI.%[`'?3[_/_U,,8B*NV4+[F/]()>P:
M!%C;[/%6O5'#]['`^QU=(7S>_HS#`HE0/I7#Y'G%&_"#K$40-NR``E8<$"3@
M281>_/'?HNS?">;?242!"@Y+"KK@S`P`?+``$4!:LX1,#\S",\Q`.0B/Q`5>
M)2B`R)F?CF0)MB'`+)3#F#3`83&.\O%"RT4#%$IASTE!#!2A"M0<_H43!CV&
M]D&AV3T)_=V`2(!?&$+@%+;#HEG>"LR@?+RAVLS"RW'%ML4@*,#@'=9;RJ4=
M.F0!/IR#Z<D:7OP$)7`!>9P*=8S?"_#>8TP&^GF;QPD/!WX'(=I:0WB?$5Q=
M$,@:WX!,J,W>3C1<`A4=W^`$_%4=+F3!<Z'_R"+J8:J\XB:8'PT*UX$P2#G$
MP1#V@;O8`AW67A"6@`/@W1-D(5=XX0\@`,7<P)$HV_MLA)]QX1:J1AR60;,P
M@AE(8QH"`744AB%.86+X&0.0@QF.1N-%@SD^TW1`X:(-GCE1H\6HQC%>E3/$
MT@`P2"P:"S[J8U(,QCZNE#\"9$#F2AX*9$$:9(L0Y$$JY$)&14(RY$-"I#LX
MY$CQCUA0V+2Y&KEDY"5P1I?,#!VLS6N$#4AF$5>(16"<9%Y,3=1=)"]L11"H
M4UG<R529@F.\@%&MP6'H"%@`!@R8QDZ^A9C)4(V]Y!U.Y$BY'0*D2U6QP;(T
MGLC\U]R1V`>"!!>4_XVM=0PVN!VMI8'#I,.&M>/)==OZD`9HJ,-8HL'=4)=!
MQ`"WM65F/)8)D)@"!,)`O!;\H$P*\(,8K!;;C0`_-(`=]<)A'$A_N<`\E"-,
M$`)?X@?59<D/X,<</`U0.=N?'1X=_)E_%,))CN`,W&)@0IVLA>:WK<4K'J5(
M79Q]E,,*H$%5"49=^ID(P=)A!<"]Z$5&"$,6B807.&&?N0'OW(L:]*8Y.<"1
M"!;5.=[Z%.<%CDW@K8\`+&=1^<`^L,1%L!$N_D!P@D0Z/,CAF4EUP8U9X,,8
M)`<T-%YP&D0,P4`\#</\U)Q-T*44#=P0:LU'C-/]V9%_L`<)42?(Q<2`O/_'
M,@H&Q2U/8#K#NJW/%/`-'4&!O;31?4R.'IYF1%)HA<*(A6)HAM[&A&IHAWJH
M$'#HAXKHB(;HB)JHAI;HB:HHA:;HBKKH0H;H/-V'+<0`8KWHC1IE*>2(D>1!
M.6#0]%414.'HD-X&[EE*BRJ"D1+IDKJ#DCH*DB)!#\$`%S)IE6[*Z*6'DUKI
MEG84EN*&E.8+EXKI*6AI267IF*+I*)0I"IYIFKJI)ZRIHD#I$L3IF]JI)GKI
M>=3IG?(I9.:I;NQIGP(D`-!;D_ZI*)A$&O`3TXQ7SZ""H%HH7#Q%H`+*A,:)
M1426F;Q./CPJI'ZH`;1DEX[*G"H!I7JJ"YJJFA[_:E2`*96>ZCY^G1%TC`FM
M:I&^ZJTJ1JW:1JKB*I[-ZB9(*B?P*I^0:A(,:Z\R9*Q*PK'62;$N`K+J8:AJ
M0N*5W5O]4H3D2PX8QGWHJE0P*[2JU+=FPEXHJD*DG'^PP7]T:U2(*[CB:+LB
M9)NZ*_!)JZV.:DT2*O@]`:/>AZ/ZZ;SV'KQ>Z;V2PHZ253&D6S%8VZD)+,">
M:,.>A[,>`<0ZK(A2;&Y(+!_!0)A6+)X%*Y]<+&YD;!&$[*L6JH>6K&V,[+1M
MK*MVK"2<;$2FK%2L;*Z^;!*`ZL1:4[WV20Q\+%,$RLPVI+S>[$3AH]!"1<UV
MZIV^EB<H*Q+D;"Q8W9_8_ZBH(.U3*.V_%JW-:H)@<&3J7:U39.T+W6G5/NV<
MK&<8G"U1\"RCA&U3<&BB'DB8\NN6+6V:5BV+K-G/6NVZRF(.[!`1"=>F!JG4
M;BW9YL;;!HOB(L78"JF;,FY"G5[DPH/CMBKD<BU)4:[1$JR>'JX+M4C,KMGF
M2F1N7"[:TEG;-@KIO@KKOH+C&NZ6YJU2B)3K-H7MF@+L@BZ&]E#!<H3JDLJO
MCH[?3FJ+;,/:TJJ<`&_LV@KNEHKSDH+NZNVV]`'T:FWF/BZ=\I&WJ(;H/I3U
MIAG1ULG;1NVP@&]N(.^MG"\>XJM*W`^5V.WUVBL?>6_R)@IRF&_]$EX1+*^I
MK/_O)U@JX()-?U@2X3*L1/6OJN;9_Z)NYP*J5&!$VPHM`Q_MME`P+-)>RP:M
M5'C65-R`_MY9-H&P^A(OYR+%!5L"WWXM]J)>`I.P`TO%Z9YP)H0L"M^A#4,%
M#D>*^#9*#Z5&H+KPU/J!#H].$*\*$=<9>E"NXKJN\.KLYYIPJ$@OMTJN$D/Q
M\,(P;B#QG3RK_09!^EZQ%UL7#Y_""'\"])[M%K^J&H/+;OADOA"C9QQ((<GO
MP#XP/(Q$&,^O%)?"I3),8-K`]CV!PF6OJ5#8[.IQ\Y;P[2;RF+*QZGVI!ANJ
MYS9RKCPR"I%QZU:R)2_R.\CPJI3O)@/+)4M3)HO"^H+_L2B'"BDOE"F#0BI7
ML2HK<A;O,;".KRQCL:A,L<`2L1GC,J:P<D6YLJ*Y[`;_\BSK<OO2@4_6K;\B
M;I8=<T$&\T?U,>#:A!L4<%G=[3;S0B%'LS].LQ'L,LD*@1-_<T"&<Q&,\SF[
M:#J#:":[,SLO;B>[PR?O[IR$LCQ;,#W'LF[DLQ"/@A'K,[OR,SP(DCODK$GX
M)%<D,!"3[%P@\D#?,BWOJFH\;]?"LD2'4TF2:4&_0]C^<QE304AS0N]J=!?O
M[P]PFYB<FN-X!R_XAQG$,R2TJ4!;G4WSB0J?M)%N`[S.]`^$J.+T01HT<SS%
M0+OZ<"[O]*!XM"(43+X@B*9J__._AM!"<\7&`E1&Q6D/Y3$4D^Y/N\`ZWP!.
M'Q1)\P)9;VD'YW!3EX(]3V_^1;2GZG3Q4K2WPB1:GU10J(9)H'4$XS4.8?7&
MFH#7UFY`'RM8JX#E2C)`5ZE)6UU6X_'&9O2EU"F8YBL21,2`69W&Y$B<#(84
M47$R6_$1J/!<G_0*2#:^IFU'T<A?*[!H4W+7!FI7G_8/8,1JKS7(LK4=1P5&
MU/8=]^QN=S2=!'9Q^]!OBRJL"/=N6"UB?ZAQ;ZQK]_,8PT,/M4DR<7.P*#1T
M<W=@`^]V=S=6%T9T*X5QU^]MAW=Z0W9P8/5DKX1Z'[?F+K<D;,UP!"<AGTH=
MO_4]\_]W?S_@,S.O?X=V@&^F?N->/B$X9&K:@1MX=KN4-^]WA$MX/J7,$P.X
M?^=3`D+XA.OW@"_@A9-S@[M`A1.XAV.X@:\0IDPQ<K-X$!2K1=S8^O!UP<Q-
MOH;0:ZU!S^0X8B$.SZY&#\D,H0H"41,C'1S`%`U&CZM3,>O&:YE$(1UY7R!$
MCT/$D_,X(:@3(10,D^?&$V`$(4CI4AV(&@BYED/Y4C4MGTQ&7W!9CM@@^)G$
M62PY1"P5#*#B/I+J.*1#Q\R`EN>`.J0!W-QDQ[``H<^'F5&3D41#%00ZE/S:
M=1;Z8!PZIMK)9O`!<DR&8`Q$&E1-1Q0,-`!"('/Y;8S6W-C_(G8<PI-<]_-\
MSY$@%YV<0UD@EA7L`MC\!Q]``TX$LI%0@7OSWXJW>+";`+`+N[`3>[&W^+$C
M.W(K^[+7=K,[^TGG(49%NRI[E#C[2K5K]+6K<[9?\2!"Q>QM+;>_<RND^-:"
M.SDEK,Y-!S8LFC\HWT=,![/5W'XL6@RL&U?XF7.O8"/FH[DG<KH'':1IVJ)=
MC#(NFJ9MY2'D0-T%AK@7+;F[N+?KLP@I%8U`9XM+/$T#_&F#:;%O/%!3_*9U
M27S+*C>%DT&9@CK9Q5D(@F<\2&&H!=%4#[::1W7BBR6I!CJ]NI';1<R3$YR"
M25;T_,12B;9@ERH!5&$(E(`P!:B&_ZI0"%1@,`49"(;3M^1@#(;7:KU0>%;'
M$+5I4SVAC[77&D4'(Z_5SVJO]V,>CX33G[*_6\O(%Y>?>5D6-$AM#L9EF@6Z
MB$C4E"-DF="Y!Q>])$+9M%P?M-SP&34/(&:`$LFB-7J3_,#B9Q(#Q07+O519
MO44WI!Q$W$%',H%RM*85D)C)D1AKI,MENTD*(.8P].B]L%.K/-,@+-8D7I(4
M/<B[>,880!P=N'H?Z$,-U,<XW)+O<V((U8.-BA"'"!#%H0N*W#ED+;\;-'\5
M2%H+,(?HW>0WX*_W8W\9:$&Z'(F:RGT;=_P/$",X()[E,,!\E`T]B"-=6-`@
M=,S'"2V(K?^DNY@-"`#0(1P'D00!4"S"(D+R/`>N(B)!0D`&HR`P2BJ%($&#
M`%R,`B0@`*`4@1X)`3$>%`O$R^E5M`2!;<"0?`Y7#`;`&*0:CM/="Y(X)J%B
MB`X+P``#0;#0DX:8J+C(V.CXF`:@,DE9:7D9,R-YR=FIDBE3X#EJB44C2IH:
M8$JCJ@H)JSD@$-L84=LH,(#+V^O["QPL/$Q<;'R,G*R\S-RL"#!;?%NLZVQ]
MC9VMO<W=[?T-C@M-2SQ-7)WHJKYN"2HS``\?@!C8H")`JS"`5<#P()(`!A<1
M"A`<8&`@T(,`"IH\&4!%P;](;A)0D:%`02A]5!@<0/#`C8`&"QS_2!1QH,'&
M`0&<($(`(P\`!`T8V%@@0P@"!`P(U`-4,T`#!PP-T0#I!J0IB8`J7@P'==$;
M*4"0_%B`1L:!!0A]T2I`LT8#/;X.!&0%8&P07U,<CIC4JT`"!DK<R#!0Y!"R
M<=*,H8MJ3)(?)3+F$7"@`P+B&6`=')C1P">M+3-V%1#A;@'.&OT8.JB<)(HF
M<A!L!GC@<E>HK#(6:/034A3!QP4&'")@6W#APO,2B29<>I#F5H"+IUDQT8;J
M`6CFO&,-R91J"--C,/?%`X*`0UG)]DH`RA`!`:QJ`2"WHC"!0IOW1BOG=[KQ
M^?2S0:^//[_^_;_XPJ<F'W\SI`#1&8B(__*8$BJX]$QYC2`P$P$,*I)0(CH@
M(8,.O;TTX2,:SH,*``!\1,!]6GUT&3$'F*B)@,Q(J*!+"&"84P(.-N+3#+0=
M,.(AHM`8BR2/?1@#D;CH8$5+-*"0("\&."&*@T\JX]\PY@SSEXNPB`B!/?,8
M\,`3`%AD@`$V0E"``&"*>69B2\HUA'-*8*&#1GF(V21QJ(%'RP[::6?0)PB@
MX9`")""RH7Q5C*!``WD^01J:`C@!@YIBBFE@FI;24@*F8V)A:!=3/J$E,BL,
M(`(4RV%&#JJ0J%#F>2,0@EI.DK#8B`T/9&44#735`H4?47@TQ#OS_!;+L2CY
M4QZRQU0IS)7"9/]9:C:Z56O`H\ELB)U>U7X+;KCTO&=E?.'6=F,24A`B;C'K
M>MMNO/+.RPVTP4@;#+4"$O!`/`,`>4I)"[0@`E;I19K.AB]\95,,./4#`0R[
M8M4E%K2H9,,(2Q3<90\XI,$20[+..`C&"\S5"L*`,N"%$@L<8-@\#J`Q*;WZ
MG9HJ.J[*2IT[B4B"H3\]H<(:*O`^H\)X\YPWW@.OH0GK(W3E48!&-F'T]!,&
M.B*B8,<2@@1I=Y!');G1FFMSVE"IK';;;KMM+S#X`J/OVW;?C7?>>OL2]R]S
M_U+W#`XPR'94HKS#]899(YY"MHL$2\C@:;1GJL^0`Q!FLDTNOG?GGM?_U[<O
M?WL5X"FU8I2>8CRWJEV"`AA:&P$J*$A=EY,DD.WLK2BKG3NSUX:XEV70L$0-
M:S!4N^ZH5.($Y%T>M(`*?&9!!O*V\::U@K*FI\)"TI/S\1ZD"2*]]V4,GT;X
MM5/7@YL.C-SG:YE_3G_]SYI]+]K#]#.P_?;WXQ;_"7"`O0A=+T;7B\#Y8E`J
M21-FT"`K@`PB";L0P67(P:55X*0WJCE,[^:T'1%-$$8T4(T&">.`V^"*@&J#
M`AJX99`9>.LS,I@)\6AQF`D6CQR.4@(M1$0++.A.,=F;013<1,161"90,K!1
M@LJPP5`<((5IFL$+6\*")U`F`:HY(IJ>`!-2_]&,$-"9W1FV,P\$/,UGWS(@
M+Q#("P7BXC(0Y))/>G"9KDDACWKIFKJR0L=0*$%$@!11'G/"'1%XJVN!9-==
M5LC"M(G(1VFXS-&4<!^?```Z9:KA)GU0@#S6$3HI0I,>GS1)4Z8A(058CQY;
M><I0:-('=I2"A/0H!3LF9).G;*1+_'@*0G+IBZ%8E[S<B`LXXD*.<6P-S#*$
MAB[.Z$^<RLG+T$``C0PQ>X/R`<!F1YG4T44!:(#8HB!TLMWH!CP\:T`!'M`#
M;D$&2EB8`UA\0`L,0<@`KQG$=*:H!"3L@A:JP4MO[$(#\('ODI%LJ$,#@S^Y
MZ0]+,GP-`IQ00:+(0/]L1\'F/&8GA.SAS@<.FAT9=!"#EE#,!UEH7U9^1;LY
M19`!2-@F1K0"@Q3Z@2;MDPLT#;`9`_3`,ACJP_K6ETVRH2`T-T73_!X*U:@*
M`YFU4&8MF"G5K&IUJ_ZC:BRL&@NL<G6L9"VK)"/JMXF:=:UL;6NXO`H+L,)"
MK&ZMJUWOV@VX0D*ND*`K7O\*V,"Z"ZVB4ZM@#XO8Q/*-L`<TK&(?"]G(JHNQ
M;W2L9"^+V<#J]1%\?81?,PO:T&IULX[HK",^*]K4JI:`I+6%95<+V]@.L+6,
M,&TN2B?;W.K6<[1=A&T9@=K="G>X;Z5L,E]+W.0J%UR]5<1O%Q'<Y4IWNE'_
M:6XBGJL(.<H,GL?"R?N@@9D!%,`Q*A'".[5%W?2J-TC&K>IK$\*:K.1H-5;$
M9H58NM[\ZO<1UD4$=GV#V_T*>,#,Z&\:_HN(Z#)B!62C!SDFQ08@MD)$*G@,
M&434@$``3$T./$]Z)#&T*%B$#`Y,00A7(,\RO$$[>`DHQB0A`@A3N#2SFK!&
MU-0;*`"1`.[<0^]`C$GPP(#!"9C0KXX`G@PW83QX*%$"D@R>2QFQ+@1XYAEE
M9V$:U-2,!E#)B77SOB>TN$\^"<"1GYR6**?.!TMKB4%1+`*ZY&E,EX%!I6A'
MBQ0FQ,+C*?*$M7,9-W_"'=5D@Q8+'8B-HEDE,C33_Z!!<>0_]81F&-J!G9EF
MZ-YY1ZH&3@*"TZ#@?:TB*@@M*\P8NHQ2$]A%G:;!IT,38*\4!F"`R.<*`'F?
M5L(R)WC!C";O>$<EK$==3A!J.=W12J%:DI<L8$$GG7#'0(?R/(J,02@15N8'
MLE3%0C7F70@12J%^T=B$V.-1##;,^<JP`,K.2A:-+0E@Y])99"QW#Y[4G$+P
MP"=.H`4JN;1)?9>HAG<9>!*FE&QO!20A9^B!NG/"[GO#J$P)X?<O[XVF$K7R
MAD\JT2WQV.MB`Z=,&Y<AA?EM<6\3M]4S>'5"8^TDCXS)O*<(2"L-=6KPL":;
M%TH!"MY@`A/8J!!F&M%'5O\TX2U0[.<,DAT"VL>E4%:9I"(BYUA$7`5#)`U"
M4DC`5B8$GO-MLB'\Q$(A$/8'D5T4!P@IR-4?%3V<SX.=1ZF"W5&J=#0@J0ET
M3YH,P2,;!G_D!Z'$P0I@Y@:;>)UE8P?J0?+(@I<5A`:[E%W8O76R)[?@YZ#8
M&.XH9H!]X@%-01#18Q3PY!V,*`DI6(63QP3[@N`@)C-2"^O']`FSC$`'Z-4M
MRV7@<B/"G!>_SJ0.T(!T&?J!C;B`>B@`=A1XH1H1H8\$\Q/!HU@X7RH]6H1/
MFP&6#BT5%M-?TB)"/WY'F.D1Z_&S,=8/_41,WZ?9<43X&U%_<:0K;[^'0/`W
M.GS_M:`^/K,]A/86O0,#V5<#?R)A6A-C?_),U50:CU)-73,/,#`3BY(%3X<"
M+:,RNM$`-A(9>4`3(S([U_(G#IB"-30/$:AZ0.(U!,`31@!N.^%E!S<\"3@3
M8;$=&X4//^@%(I(",99C/K,=/%$>W/-@@M%'`0$**Y!-SW</&]4[7X,$O4*%
MVL$D_N9UZF)W,18%8T(\F($\76*"7Q*&*4"%A58($>.%6:!(-H(/:T@J*%9T
M?[8"M2<#79%0(^`:Q/-1<D$>.OA@]=-__Z<=`6@SU^=0D&0WE]$A\N>(C#!,
MP@")P_!)7*-9[?55R-5,>[A*?U(BY+$T)D!YY(1Z(#(H_T<X*#'QA%*P$ULA
M.WN698S1`-W&`BM@*#*T$P\8*=DR*&!Q42U!4T]G$+M$(]G$(RU1$&91`#P"
M),#X)#O1#]Z6%KF4135`&B*2.0_0C?@44&-8)JF7!&&2%FCR&+CS4<4B/1ME
M4F20B"*@B*O659P85YY8"[L4`R2D"5S"2EFD<OH(7SX0;:A4(IDP2^R6$YHP
M;47S20J92L3#;OK8=/-5)K,4=8HT*N;G<"*@;!/B2H]4;DF@D`J9!-W$1Z$4
M"E!2<$F0(_"5B5;D(_<%'"7R=.6V22J))BXQ)?Q(CPYUB/CXDT-)E%QCCWLE
ME$6IE$LI"X736`#B+U$IE5-)E?]5:957B959J95;R95=Z95?"99A*99C299E
M:99GB99IJ99KR99AZ925Q91Q*9?@@HAS:9=WB0QUB9=[R9>%U9=_"9C:H)=^
M$0..L4DGL'HKDI%/%W[U=`*#M&8;E7T?X0=`<BB\UDY;L2BI8AU&UH&B\(P[
M((RH\(P7U87/R$O9LDMR\8R)5&68P6Q>)X.>=$LW:0*L:8I6])C/"#,\<G^<
M,P*,1D;PA0*S"!,6%'"#<I,U@A6H.4B.\V?\4FZ/D2V/X1/6.1.A=`#W!).K
M\"B^.2@:F"%=T9$)TC56P0,\P'77B!>AI"0UT!LE<%'42`C95W'7:2(I845^
M\(RH9`K_*S(ICV%#V<("[^-*]\$3$'0B6KB9NYE]*%B?7=<_)80UX,ENOHD$
MIH<$U^D#IDB@>#.8Q&``1'$(<^$$:":$;U"-)```,T-Z(U(U!\$M13=274)]
M+Y.3`3`S[T0^/+(B]G!):S%Z3_,P&(([<F&BAB(B#M$`,S(>,X$[81*"<[$%
M%%8%-N$&4\&B)&`#.R"#,_(#189S&VAF!1""%X$3#P`P+<`C3Z*D(UJ@,AJC
MFQ0]+EFFYR.#`707-E%E#S`C@->D@X*B2DH>75$U%-8$5V,\+7H9.M5$JM=U
M@#<5DM`%)=!#@5`(Z7$FIU`3/.FB5U,08R=T"=@&.#@F=!$]_Q+B!C;P*1FV
M`U-D$8$P(RN`9M"1`N!Q`BCZ/B/*3ZM7!C75$S1@`BUA`WI190/`(UC!8Q8A
M%&#Z/G,A.S3%3@6QBF;!+XS8+B$Z##:0`(Y"%/)423H*08YQ"C0$"8/CDXSP
M$<))>H77$'TX#,=J02%X?N9J(3A13O8*##N1")+3"QG!&^.E"/Z:$Z4VB<5@
M4X&I'],P$SGP,3-"!ML1/6BD-"7P&`?@*EJP@1?1@S6A!8S&KI&`04L#7F)X
M0PMX,'\2BST#>YNQ!)'1)XHT,!NV41`*`;NB"?$I)J3Q9##@3FER@F^)..JT
M`(Z2@`C0121I$$T0:*)8B/"*#S``(?^CEH+Q:4C=.BB-(BO+P8#@2I*'EQM?
M0SR;D0\7%;/49$I%ZRVCMC$?\;(I,2+H%`K]<P1C4J<V.UT\0!?9HFKV4`*O
M4P)T,2-J.BGVD&%.0P9AEB%H,@0],!(8$7I\F)?BT%78ZB[`5!\(<BX\8KD*
M2PP;HD8D>77Y$0&E:[JGB[JIJ[JKR[JMZ[JO"[NQ*[NS2[NU:[NWB[NYJ[N[
MR[N]Z[N_"[S!*[S#2[S%^[J>B[S)VQ?*R[S->US."[W1ZUO22[W5"WR15`B&
MJAGV\`U<]%378$\,<!TD&0@#D&&F)Q&HTB_Q)PQXT2\PX'!(NQ"1&`Q%:YU0
M4"S'\(P/(+3_U==$1_DX`^``288J7D!8_BM_F/.6H=<O87@0?LH("*Q8VNHB
M^J`M\%@_"[&3S\`2+1(QG2L,XDLCNW@,&*LMSG,,<PA=7@L,0_07(84(B@I=
M0AN/+\>(&/Q8%,P?2!NR+=)E$`*PY7L>#0%/FB&^3[(`+(%Z*?$:,D<3:22^
M&=@``R"^+9@4`C`17I"L@*`/2^`:KD(A,@<$?A``LQ"9D=#!6=`;LM,O(`$1
M3J`/828`2>&BO)#$..%G(PH>#!`9$0,A-/%#5<Q/4TR_M7$]D>#&A5'%Y<L0
M#8$J-J`/>]S!DM`O/I@A./#`$E+&U<,3`U"TYDLG4XP3"(`8*4$Y_^KR<L)Z
M87F@R0Y0/>R6I64<`RH,76#L`Q`Q`PTQ$WXJ"6:\"E-\R2PA"OR;J9ZL#S<1
MR6HL":%F,SJ\'YM,(>(U`PN0.9Y<&>:JPO!``P[0$P_`:&5<&7T,(=0Q#VV0
M%2N2`/;*S>\`4[2<!ES$(%QA+(T`#4O#O36P')O1AC=+(]#0>XZ`L=?!1:Q1
MQH=1*^#U#F'&K^,"<^!<&1R$S=+\$/-<&%U$#N*;(&F<QO.L#R[1!_Z04#V<
M8/(!P1ER'3C,1:^APNX,8+CZ,C00$B7T&!L-#0F58QHE%T,U/\$RO[LQ0,ZL
M'[AQR$E@$XKB*K:\T=D<*=6@HW8W'<A*0?\@H@2-0L7NK#.9P-*IC,\4+14;
MG80=Y#0U!@WLQ$@8\8-GC=8WHLWQB$LCX``#@]#4`9QI,,5L1!<.?<L<I#"D
MX=`;+;Z6C$^6HM'<DL8%W4W4<;YZ=%K58<OUK!T;4@B+L=(TK`N9X(TUY,FX
MA%$;4M,SH,%/T,,;'2RMM!4.\"\_S4(\!D]+TL=-*C@<E`E)W2J*BRZ/2PC`
M/`^V/,\CH1?=[!*U81U8[93\P@J*N]$<S,)X71L]9M9UYPMK_4[<\LD.5]FY
MS<*3@[.^DBK2+`2#;41\G<^%@0YS6,8)<LPB$-8TMM%%RPH8BY`]"%SR(0C3
M_&#]A,LCP+^00MG_MJP+AB<1?30/Z>T&$LW'.:8RHDU0[;'/_@/4^Z(A)F))
MQ61(@_1)^H@;(`(*EX@F_Y9*D#<JI61%F>#A%*YRJY0)^ECBC*'9!U?6A'!)
M$3E'N&1,C51N\H6-$_X(,'/&F.1)L=0US=$U>&1MN.1NF3#C>_3CRE=)V;@(
MFO1*)M<A$4Y+W`%YUX?BQB0)$P+CJJ0)60&326Y*A$3B/'FP>=/@]G/<UJOF
M]''F@+D$4<NMY2=#$ROGWE`($7$0($P1\[@5++/FR]#F@4DNT'#*_>I-^-$H
M2S(1O-#9C-`R-?KGDQOIOT`N7`030G8/49#$5!`R?FBW>/'((P'(*3#`_ULP
MQVZ]I-M9Q@&AHQ?;!0=1(BQS$.B%M/*T'E"@02S1I)OP!-R,3DO#'!E!L"E#
M%%)P,EOQ$?CP!@_PSY->6\[^W`BC483PR!(]M$A;`Y]AS360.="0%:@R<*+0
M*@:.[2.`$&#LWL<AVI.@`_:J2!B[44]3MU#]V.E`#M-.'3I@[=#N7OR."_B#
M[^)-028M%CV3,IA=&6^@4SP#QE"`M`Q2&\TN`V/1"JXR1!C[[?%N1!`R'3@L
M/C*`[\B*POY^CR0/"><!#^KC!ZY\4@W0TV\`$687/2^M#W[N!R[/`B*<!51\
M&J_#+T!`Q8WAI_W@ZX7!\O\L!'&G1C/1`/<\HO\DT65>Q@50P"/]#1L9=APN
MKR1;D1$^H?7T:_+.%?9XY?%CSPV!;O9I+UAH#UL\@0^3@`^@XLY>\#HR8AH\
M0`ZR$Q&F\`;X$!%&969S7`1QOP@RZJ61@C+&\_8B(]Z"/P0V\0)&8"D@?PI0
M(/B/T*4%L2"6;QH3M!$1D5*/;^"O8_EDD!',!Q-OW_<PI=\;PNJBR?I_R?:P
MY=A?)#LUI/,LV!JKS1@#Q:ZX80I_,=:8;6T'B`@#?0K5D<3<(LO"]T*N8JYI
M'&6ED;_XW+D*H*^*VOSL3"M9<P`'K=NZL?V)B"NBG?LQY0_>TC(*._NK5<^9
MZH6J[02"80!I_K_R--[_TU&JQ-\"(!!`(UD:@U"J1)H,!!D,P$@\*233!3F(
M-40!."E*.A42<OHECY#$PP!AS$H`%.1*(P%^3ALNZ8L!"(W&J/L<)]ON-SPN
MG]/K]CL^WX[H^_X_8*!@WY4(P@],U@_`0X`:$5*!`AN)@,.(P,`(0D-B5M7A
M"`_2"9I*`8_``0"`@VE.%9)3#Q/$`0,KU4%,K&C24LR"``,"[$[4"-56VL#"
MY[+BR"P<I>/F`(*:2Y$*].`W>+CX>`D?^3EZNKI;80D!0UKMI%<O!(&(PH/G
ME11$9H\S$5JLA.DV8!>)>Q"RD2@P`)ZQ)O4@4"K@C,2"`?VFO5+APM,!-DXR
M_Q40T:!@`!PVBI%`P-*)`4]BF%@C084>-`/%RJSKZ?-G('-`AQ(MZ@8!`P$"
M`C!56BRE``6CE+`<84"!@@0)9")0P'04``5*A=A:FB,I`Z9B!53]A34``@(`
MDBZ@$5;I4J5I54#=FT/8TKMF2R:-VI=I4FYM#BQ@:J``@I)ZBQE@L"#1/:];
M52!H#)?$6F(L-"7IK-015*DD=%IIK!6&`;9&9],>*K0V[MRZ=_/N7>.R[^#"
M<]\>;OPX\N3*ES-O#JBX\^C2IU.O;OUZ'NC8MW/O[OT[^'7:PY,O;_X\>N[C
MT[-O[_X]_)_KX].O;_\^?A7S\_/O[_^_=?L!.""!!?\:2)N`!RJX((,-^I&@
M@Q%*.&&$$%(XR"0P%/"`8G$XU,>'?P"040`%.$"`&37`-<H#!Y@HERD'N,2#
M#2["`P`:!Z00%@`)8'*1"BW*T8`W2"`@@(E3Z=%8$W34\H:..12QUX@C*&#`
M10%<@HL_",&#4"L0$#D%#T02X$!)4JQTH7AL]B1#)0X$H,`]SI14DR0!G("4
M`7=M,B<,75PIBF.DK9"`-4B-*$`_22PEYX]3^&/*`PM`ZH\S/@J`A@V6;J%4
M+&SU$Q42<_6YP"&R*3*H```@E056:7BEXZM\BK414P0LT&@)B"):(J*[%M"`
MG&4<,B@2#,A)V5>1Q-+,LPC_R*B$-`T<F<8E4M7XB5+2."",MP30**2;Z%A8
MKA\R,'5`(@[$E$!7(S"V`#<?MCJ")B]`L,`!#2!D+;VB&-I2C)>819$;2[$Q
MUE2`4O0#PS%L%NH`H2*"JJ,TS(E)*[L@Z@\-8:3@`$+7XG"P)O=>D81#B;BV
M2P$[XG"`CP0,S`4.3`8!)#-;^,!8`E<DT&%F*3$C[6H8=PO+TG"F41>ZYYP;
M=1Y.EQ!&E0L%*V_*-""0[Q8L5%4GUZ1<LA`\]R+<QE()X-!,/Z[:Y#:^NZ91
M%0,?4U39#P\P0*<M`RC)<0X0`W`P#/?B8#)+8OE#.,)\!R!3"8*/T$``R,3<
MYXX/__C8\N"'C]#("`OXJ`*5#P2QBXX7)<"`FMBHGH,#I^>02(^D!9#`"9@D
M0+*59U,=SM3#UW$(4\LPQ00!""0P2O-;P76/QLPBU'R)-;AT3ULD')`]\H4_
MJ<CR!&@E-P1W+D^#^=FPI'[RZ7]&Z/N(#AX/:B6&7P"\V)=H@#6LP3\7+<\E
M7UF>`6X@`-(EH0M]0DTQ#B`%!Y9D*P=`2#<$V+\VE"1L_<N>]O34DA(QH0O+
M^\$AIN(\W$W/>.(HG@MCJ!L%>$:$,G0A#&^HPQWRT#8]_"$0@VB4'`JQB$8\
M(AR(B,0E,K&(2FPB%*,HPR=*L8I69!,5KZC%+2HHBUS\(O\8^>/%,)*QC.X9
MHQG3J$;PH'&-;GPC==H(QSG2$3ERK",>\ZB;.^JQCWX$"A]74(Q=B6`!!6!`
M22QRE3\RLI%Q"&0W9(.`VC$E(@6Y0L6$P(I-<K*3GOPD*$,IRE&2LI2F/"4J
M4ZG*5;*RE:Y\)2QC*<M9TK*6JDP/)$GPL3/M(BSP4(#SQ-2&(CFRF-XA)AN-
M@TQC,M,ZR_1.+@/QS&92TSG35(\RJZE-9^(RF]O\9G2NN9UH`D*<X#SG;LQY
M'7**")WN1(XZ`^3-=]+3-_&L#CO]<,]Z\E,=^YQ./@G1SX'BYI_2":@>#$K0
MA0I"H<Y!:!X<RM"))K2;O9$+*S#_2-&-HD.BS($H'CS*T9'"0:3*`>D=3$K2
ME7;#HL)1*4MC"M/CH-0.,XTI26\ZG)K60:<XW:A/@\-3.@3UIU4L:D]=&ARD
M&K6)]R,*4W=#S@+L@BVHB4T0PL*"83:UFI3S253WZ$^OR.M.EC0!7FS756:B
M8BAA)4XZ7)*^76ABJT*@4T&LL%9MOE6OZ!GJ'/JZUQVV53>"1=`\!SO'F/#F
ML+,!K!P<JUCCQ9,`O"*'9(L"V3AD=K)(M&Q'E6I/SX+SJ]_HK`^'@UK23NBI
MN5FM?!++VC!>U@^NU:=H<X-1`&ATME^\:6$;FMO&^C:,M_U#;07Z5]D6MZNP
M]<EF2]K<_W<Z0'@57>Y%-]G;Z4+QN(-P0,6LZST7H0@7:."&&K(PW'1R]ZCJ
M^!53U+H)&O@+5;L05S34B]V7MC>*P87G>@W;7^<&^+4#;NIS>Q+=-R3XP&EL
ML#H6S`X'(Q'"1"UP02EL1`M?>+_DH*H_`+@AT=UUJPW4<!$Y'%@,-Y0MK1@1
M68]PR8I1`L4C53$YR"E7JL*#7RDH<5ZY8..5XG@<$N;JD&_,8MH4.<G<\:YJ
MESR;)CL9.U26KH='6^4X$&"["KHREL]SY!-OF<$42JYRP#R(,9>JS!-5LR#8
MW%(WSP'*>H1S4)B[9?QRT+1Q\#(8\?P</3OYFJ!-ZG>Z#(#[V?^9T-^1LU_=
MK%-!#X+29!:SH^G\#3]WQ]*7-H^<=PMH3<.!TVTX]'1,O1U/ZP'20C;J^(J"
M3#0S5CK_#0^KLY/IC=ZZG<JM`9JM(IU<AU3*1B%V'E$-B&#+0=D5-K:LRPQA
M9%L9VE#]*;6%;8#+9IN;6>Y-MWNX#&=C1]5N=4^XY>#J-.`4&NF.<GO>G<1T
M0(9,C2EO#KKP#B2O-'3E-)"\5_QM<;QC5R&+<15F7+%8.[C7N&GT.LS]G8"[
M0<?%B-DN.O%CK0:9W4DN,L67$_(DK%N_)&6V'B1^[26.'`DE;SFZ9IUHE*^#
MYKBV]KES.N$8PMS,`V?O2&O]Z3K8O#[_/?<YIN&]UJ+/N4`0GSC.@2)HE7^1
MZDQ^]L\%G!P#C-J,3Y\RUI/.W^0<G3=,[[11K`[UK!L8J"FV3]DA\'*W"QP.
M#O]/W'<N]J4V)^\B.OMUPUP@O_,;U+X1-8!?W:"[K^/K6A\'`@"?GKC/W3C*
M7JWC[Z/VQX=#\NRA_*XSS'FE1^*X!=@\>)")^@:!GO0+6OU/4$YNQ2/:.[45
M.N']&?6?Y/ZZGI=Z9(=.AUYO&^TJ$'K,=P_6<.8<0,LH/GO4GOG/*[\G5%ZF
M8WL__`5IO\-[US+XA3^4WU^41N(&>/6'7]4)3F[C>"V\V4M-&^3GYO?RY4]D
MO'^AUJ/C*LZ(_\ORG-5JI)5PP-[R[<;L`9$!Y@?_D<..(43[9=7[B1_>N<'T
M8183,1[WI9_N[<;376"Q(0?YG=^!-&#X&46?;!X(VA1O+.`1:2!_F""X3<=;
M09E<N&"=>=R#;2#;B=ZP(2!/C`,T*!L.4@T,$H@,$E?:C2"Z(5T4=1]N]6!M
MK!:8K6`6F!2ST1\406'@&9[K`=]P)*`2;I$85J`47EW:`4(!%!47EDL;UIX7
MCIUU\-DI+,,^^=0;3A[K<6`ZA-P0E%YM:"%GD5H?\F%H%8451I0/UATA8N`9
M#@7B11M0)&+S-:(0&N(Y=-:5Y:&-)2'05>()6N+-/>*QN4>CA14G#O^4)X[>
M>5C8-*4B-:UBVU$?*S:=*%XB*4KB)()=XMVB(W[?#$+B<#"A+Z89)KX!UT%`
M[:3``QQ2$`131T0:[WUA3V!4,78@,!*<92C"]XB`C%D!C3&<T5UC><AB0_52
MT&P5(I7(KG2(--+B+Y!C.1XC+C:A/+Z'.4[A^-WC$>4C&AX@;10A/S*'/_(B
M0`YD$!5D*<8>-2*DMV7C)YHB!3HD=2BD+MHC1<YC+JX<?,`BG5DD1ZZ#*V:D
M1D)D+6:B'))DM6TD*!XBWZGDJM'C($2B.!QA1,)D=8!D2X;#&E*B.(0-3L8D
M2X+A:8E<4!J?2<ZB<"V'(![E#P[E-`Z"3?;_!C$ZI5*61^7-@4`&HU56I$R&
M@SJ5054>7E?FY%>"0QN.95DN9%(*0KW!CH^@"CR@QKY-Y!ULY5HZB$[F0<%M
MPJ\(H%40X++A95XRR%[>P8YU!6\9#9#!'P6Z6V%NV%D6I1.20F2RW&166F7&
MXV5*)E2F`TUVY@Y^IO6)YAH=YD&Z@VEN$6J69INMIA:UIDC:)1`N&FRV8F8N
MI0D0)B"8FT>2I&QB8TJ^P>G=YBBVI3X*QU32'D_VB7'N9#(U)%C9YFO>05/Z
M@="5X7."96[V06B:G#KT&D8Q(=-9%D9]50$$VV].5G`68D-LA\0]$QVZP7Q&
M)F]N9GAD)7B6AUJF_\]]DII=Q$$FT%C'Z1]6AAYW2ITG7.=V#J(H'->`5DS'
M,09O'8*UV$./L$1[NJ0Z:&?_/88_]>>6(9\81B@6.(HM&$#0*`;OZ&`<OF0Z
M0!\\9B0R$9/-W<)8K$("T,Q8N.B!PEM0K2%]K"=M<5IPW=2&:J4B[J<:ON%R
MDIJ=@6B"(F<@4-7A<(Y=<1Q7,2C1_:%_$.D5>2A*DJ8=&$`#7,12>&/"H952
M/``*2%#"-$,G*4E)G&B<%B@OW(PL5$Q)5<PS8=(T^2DU3,0I@)<X8L(8<%HF
MX"FB,BHLZ"E?\"F#"2H[2.H;4*H;8"K;U)BC<"H2+"H<@.H;B*H;R`"D&O^!
MI0Y3JC;0JJ:/DFBJ&!"J"F3"H?J#I^:G.DC+HE55ED[@:Q86)_DD?]B<ESZI
M9QGK3W:G"2RIC\I03YZ"E![??Q*4>2[BCPXGF*(@=U'G59*'?C:K?PDK/Z5G
M*.(J-2+K#PGK&GY2-359DOYB),"1<_[!>?X1BD@G-&5:MA;4!(DH*01A['FI
MFS!5O$0AE1ID&W!IOW&K6V[25SEL?XAI$HQG')P`-L"!$$A!)>TH*S"IN0[G
MQ/IK'PEIJ3`L;9!K"8@K<A2G%8#2Z?T>9B"C"#B`\Q3!#8)K=(*L8RX41JEL
MS;&"R+Y!?9Z#^0@L@F+'MR+C#@1K>DYKDJUKM=K_%BHL4Y^4`2?)7BCM%G,>
MQ[O6XQ^@*TZN*\!6K<\RJS&2*3E\9SF9EMAV$HJ8;(.*0]"ZY\&RY:9EWLW&
M[:;-+=V^:+E.(<#J;<KQ;=]>*XRJ5L<*[O"5K6O6[47.X281;C$J[-&N4^5&
MA[CL*QZ1K5FB;>&21^(6XVZ!$FYZKG<&7WR,[B<Y;2:RPM1R$NL&(BQMWNAB
M:-9^F;*VP5;@"#3N[/!4+2I]79\PH>J"4A&V;2Q);C_F;L)BCN*P:0/,@"<%
MS2=1;R=9+R=A;_9^T@!H+RMX;X]4+RB!+_@N0%U,K_BF[_6J;_82"?JR[R:1
M[_A^4@/([_NN+_Q^+_V>_V\I@6_XWN_V>M("N"_^`G#\YJ_^>E+W&O`H^:_]
M=M*9(K`#2W#UBI>W$D7D\1:6+%*I0&J-BM\'(X&L$A,)[RPQ55)UON/6>BP)
M=UP(V^(*>ZS:P#"XOK`*^T.MWC`+BY_1I/`-E[#X$6H\V?`*'PP->^P.^S`S
M,"\'<1DQ^9EI1?&I-9`4(T$56_'$LLQ37?$*9#$66W%R0;$7=_$8[V89)\09
MH_$7'Q_$B?$:JV8DA/$4O[$:TW$:?)75N3$9LW$:V\,<[S$<KT#7*NY:EAPA
M;QE/.6/]PL!3E(28Q`L#W,,]!`"_%!R[*`N*W-^IT4J9`-#YDI`($!`EEU==
MO/_#B=`,<]P)N]B`7-")*9<7*]#)7*!!T-!R`,`#(A&D(87R^<"#ZH0)[^"#
M`O28,TH%"C/E+\$RCK!`GUQ"+'<9`Z`!+OP20V0%'O%4)3VOCV3S+?0+1#@0
MOVA$76!#`$0)':1`9719//32[L1#%X2$BH8$\CBJ/1E"$9Q.O!P"//^)Z!S.
MCHS!,2O'#P"3B\P5-ZC"*%Q)-IN%(Z07<Z`0G11#EP&'`#3/)F1#"JA+OKV#
M\O;04.%"$5Q!0>?`59CIB(S"`60%,/&/`M@(S;0QYB!&,5B0C_0+2F?%2\/+
M\Q!##OM&2B\/IZ3%G#``S=BL4/\-EDA"4B,21##'K@C_M4"4`0XT@!3PC5<@
MDH\@4A&DM'-(Q5';PU;D<OW:PU%?B3-H]=#,24^'D2$?LI.UM5L/&5S'-8K-
M-5U3F%W?]8'EM5[W%U_W-7?]-6`WEV`/MF\5MF&S%F(GMF?)46S@!61'MF1/
M-F57MF5?-F9GMF9O-F=WMF=_-FB'MFB/-FF7MFF?-FJGMFJO-FM[-CC(T3\P
M=G-=`3W;`6R?JFPK%FU_PVWG=G'M]IJ!0VS[-FL!=YP)-VZW5UBX*8=TST^D
MA*SVEW'GV3<,MXUI=&U$MW+;*74/@G6C&':SS``[`.S$@%+XBP%4E[B,=WE;
M@B;DPP`H!@$H`'G3B79O*W</_UIU)W=_A?>L6D[Z8(-#*`:Q6!9)",Q3Q'<E
MJ"D&?8WF4LUTZ[=W\W=[^?<((,H`*!"H5+3?D,`-?(*&@ZH,>()9K.I]3U>$
M_T%O)YF%VPP$/,#L>(\9H$HYEP",MY35X/"^](*#=V)^JSAR#]ER9[A74#)X
MD<:1N`8\Q,:19W@N+X0`*/D]N"DB24*&"\294O()<(F&I?B#!/D]DK<(`^>/
M?_E^\^,!N,+R#$/LXG=MU\&*$S=I>7D?Q+F<LV>9USF8-]#IC!@=F/-BK'4Y
M=<(U0,[KD'394`1"D(H5H,'*)%`W//&IQ@(#-+41A$,/TR>%&\E<6#J!5#1J
MN`IDK/\A+CB#$)CZ9_!,`ZE.,73%NNK#+PW+ZCB#JA]?JUQ<`T#&3HC%?,?&
M?$=)11.G5^#Z0N!Z.7\/G61L-)["L%].2;`$YEP0HEQ0C1?L3^9YJ^UY)-!L
M#3!&JQR2I3`%S3+Y&@K`T`"'6K!?>.K+:D#.QO3+%OC,%BR`IS/6RMB"5T@%
M%#")6OS`I']*$5C$+>N*#]QR"B#``[A*B]!WYKB-N^1).\O"CF`.?5-&8X1$
M^C3&-".)VWB#EI1ROL-(%]0OFMR'Z%22J+]$E30&K3]`7(S)J`8F`&'"OM$+
M&@B#,\!\&U@#"TP+6=.-/W^"-]:J&O0\(J@":6"!Z#AJ>GG_!D9@O*WBBQ(P
M"F9ANZZ=>1NPA%PPB35O,S?H2Q>(3A;XC;\_4(=J1`FP"\ADP8DLA"C@"`V<
M^">,SA:HCMKTR>](O1AHS)(7?%*LC=@K#A.H3$5'\PP;`0YLS-X82KX@!CIS
M>\:\N%VHCN+W1R1/#D7T2`Q4!DG/):(H1*CF6]8\SERR0`?-)1R@QBJ@^RH,
M\SVD<SGCLJIU@:ZR_H@T=*Y8`]/#138$3;'?_O?BOB:YXVE9/1[8>:0BA%9@
M`D2@,&F\\YAD!8[8PHT(^M>ZRR;\"T(X``U90C_`CLU<T[V_>U8_CWHS`EU-
M[$$$.#"9NY6\N$ZD>?.,R0P3?M9H_W(/.[\_S'3*@$`"08DA)LNHC@(`!0JD
MB($+$0NQ[GSO_\"@<$CT&8K(T3%))!2812=TN)Q:?X"!X-J+<'N"032'T'W/
MZ+1ZS6Z[W_"X?$ZO([-;M7<=_@7^@(&"@X2#=@B%B8J+C(V.CY"1DI$(=I:7
MF)F:EGAK>VI]FZ*CI*6FIZBIJG&=>FRAJ[&RL[2UMK>WK6F?:;"XO\#!PL/$
MP[IHO&B^P`/-S0%G!#9F!C97TCIF!&933W?90`95;M@WQ>?HZ4+'9\EGRRN3
M\H_6*L[//@#0.M`0#`YFH!U@H((!`$0C"#R``""/`H(0Q-Q`4`]"@09F$O1;
MX&"%1`(#"O^T\"=M"P`7"1YXB_BC0,<1"ES4&-%`Q((#(PZ8[/=BQ!^8*5:,
M)/%@B8N+&7FJ@P/`8``1#`@(.)+''\.J3!"(*7!`(D,`XZ8XP(D5[)<`.A0$
MA7B@8I$"`4P:'`&1@%(V[+ZX^P(/EX"_?ROU`+`@;CP"-7L.J+A810L`#0XF
M,+/8@5L(`N[V#!`TXLD$9*TU5(&@`&%[/S+S>`H@0:4L'D_R[,<9P`&T.X:Z
M6$#0A>JEEFHTCBNQ\6C/3`B(\.J5P0$$,;BTM@8:@0!N5E!0:]`@^I3C,V]P
MC\I4BZ=77H&OT&<N:#\##J`9'I$`;C\"'8\/('#D(]P=`#Q`#73_9C"P1'J8
MB9;'`3B](`)+/M4#P$L)ON`"9$\(T.`!*13@W8,_K224#=,D%N"`(JK'1@T+
M0.72$1T]T0`$\$&!2``#""8&?RI%E.(=#<AHP!,.R"A8-TN4QAY##T(!'@#;
M5`61&WEQL1<7?2UEVDDG'=&E"BN5HT(U(VSI`G]?<0EE#](\48T+;ZHYYDE/
MF/FF$VKFR>::_-%IT4KB[&":-V\6@,"12M#YI@K<M%FFBE32*0V82Q#Z8Q1=
MFND-`)<R$:A%(W#ZA9I#)HI=$F9R:8`.U9R*EWFN\($@I+36:NNMN'("ZR[H
MG3-EKL`&*^RP9U1YQ9579!G1/<PVRVQ%_S@Z*RVS0N`WP`.([M"5#0N$U8-.
M11QP!'X'!6&`9BHL$))X,_ZPP&409*O"9"!1LT`!017&@T8C+(#560WV8$#`
MQ,;SP$E1I?#4N2HH8`*Z/@3P0#_@BC2713'<QL1,MC'P!P/>%!8`R!L;P!N'
M_G@C%7[>%A$9>PQCW-@;QEJ!K!7*VM)M``0#2-@6^R@P,D-/32:T=00(35#2
M`2#09$(U'8%`?)7\H0!_A54-@0,"I,CSC#5L<9O0+S(@-*<#="MT#?%5=&1Z
MT#!PDQ0K)("5.&M/>$`"SL4ETM@/W^32;09&QC0T3L]D6L&K92%3*,;E,?,0
M/R4PVMXQ,7I0R_]!'#!Q&75:\T1I3"0PP[US*9#'`PFT/H5R+13PP`PB#D7E
MKLCT:NM)XN5Q:`W5C#S4%K\W=.%=/,'ET(5_W?`$`_RN)D-4H\%EP!9=^P0#
M3HL=--JI;\=3[@W_GJ@"CMKG0=N2GM6'?81A6TZ1;?K&R_@.-32`DP):Z;"?
M>#?X'Q$^QAD'(.!>F!'(ZIA`'@,L;2'K^1<1$`*;`GBH'Y9)8%:$Y@#>'.$B
M(RJ/!*VD.UKAZV(B,%D-8H((G/Q!)RBP7`S^$#T5'."":`'`#"!PFTI<T``(
M`)F_ZF&WC/VL:?Q#A-GZA;JH".T$/!/4@Y3S!S@92@$*N-0!%8`3*B+_K#XM
MPE=A;H.6LS5-`/4QF]Q>\!0>:N0(WKG?"^2FC\PE[6HXX`\67>4'!C"`(OY"
MP+DRAQ:-7(T).-1!`2#B,!Y";!UJV49AGE""%_#/"M;9&0P*8(`LQN5=-,-=
M.THHQR:8CH^W0.4:DM8S**BRE+`$5LVF<+,IY,P63XNE+G?)2V#,$@JUA(*R
M\B2J%<3I2RN01IY.=4RSK"!5EU(7A7K`PC:"*3+Q6J(/$,`=&.2`!YT*0E&$
M())Z>"AM(VNE$$RFC_KU$A4ZA)+94BBW*G#(0$-0SD/X8S5IC.Q(2N3<#JB8
M/2RF@(P\T<<?!_@7J`C`.?HDF1L7("\@*.=\__&(1P`:(-!BB5(OI`1&M*[%
M1ZDT"$H:<:$^#!B$G]"$(G]`C+[.A99#<>@V.A07_YJ"KSIN(Z46^9A;)&*`
M!]Q&!%0<TKLN29J[0<=DIGE*TJIV*"Z&YYUPJ,'!7J"N$0S@"-?S:D>3>:^1
M%:`^.;D+@Y`0``="HRD//:NV'KF#U@GF;/$B2QS_0P300,-0"PIKO_:F3C7\
MD@G!9,(MS^%,R&0F+E7$C$^<I3T5<.>Q`YC)]?X@AG;U1+*2!1I.3C*QN-@M
M0CSPBMTX(X#26B:*.^#F"+@9I/^Y=#&T`:U+L>H&K<JDJQ$!J^3&2J/]_:$`
M.*#H#01T`Z2.D`<#<_^DQQ@BMR@)IA(*>:4*;+"8)P2(!$34P76J]9JFB9<$
M+'#,XT1X'EGM#@6U<6M;&V"VK?Z`MMY,B]#:LH`LFHYGW+S0RQQ@.0<H8';T
M]8>!/(:XPB083`P8@'>PV%:WNJ\S9"V::["E/8<AAF==>VP<>;N&C3IGGC2J
MITNXXD$J8#$J'.*,?18Z%:41ET9"*ZA:+,D9".CO8Q7M@48@ZDWX.$,`-_F#
M<HG0%&Q*+`8>PA86(=#?\8;RN38+*8EA.:$;;_G+O3QL$A*;A,6"^<QH3K,L
M/TI"]ZKYS7".<ZW$C`0R(R%G!'#.`52W!OAX>0$8S@=1B$#1L=45@E@<\7K_
M&E!:!/(`7D&8VA`"'%M&&]3+^*,(G^7,:2ZS^5A:MN$T<0(7%SP'+A8,`')+
M`QJ+:`2Y;6D-C1YTFR><.D5M,90)6OD7:(2DK6E-$7[*P)")/"@DO6YI5?KK
M:A?\8Q^'FK5=#&6;UXC@(`0HC=.4$)[BK69!00J//F#-E9YAQ(:S?L%/1UN&
MYQ"@+:WNM+S10><BV+D(RDJ`9RT"RJU-:`0O$8.&6"`N`XBAQ^P1`T1@T,$#
MG.HG`JB$[2H;7)8L_&FEXF%-HK.0@_?#/H)XPGSF>!/JC@8Z(^BXN+C*<GV,
MIFEL!`A#_`43MXR\Y$V1^5-@0#<50!!?`HC!`,2%_Q!_FP1HT9GFO)?^BWH3
MX=Y$R%E#D.L:DY&`(NUJUWZ"#CN`>`XZ&;O:?N:"B"#990=3UI^/>W;*!.RG
M7C.AR*)5G4>SB]TNBN:!`MIE.NKRIP37T3=RA1Z0&<8@IS/BH@S61B/KB$/M
M.V"`9YLR:YC#M+`DDYA7LQ&50Q65,&"+2@V93GI;.'T(4!^"F<L,Z=++8K>N
MC_TL3B^$U`MA];+/O>YWCX5/9]G-:D!,"AN4F9)0.5X0W,%'PA:JW9R['Q)Q
MW4@@XR5.1:<MRN_7N4W]H,SQ/A4L_6RZRO0T!#1H,A&\@0-BUL@\H+$M6WC7
M@E#F1C:."`<YR25O;E`_R/^<CSP\L7\R\`1Y9G\RP%5'T!4L8`,QL`#/=X#$
M4P\_L5%'T`\0L4CJ0'M!8'M!@'M%('%#8@*O=A6S91JYY!G]<!R\`PTS`'VH
M,7T=<Q(C<5;9(A$L:#D0DA#?EPIM!3)*<578X17L0X)#HAM;$!G`1H(,H3\*
MPQ,>IX,ML%L(TC2'PAZZMG`R$#WR01&^HVJ<84?0$#L2@49;P`]9R!,C-($\
M)#0&:`[IH(%`P(%`X(%#T$@08%01QT.V-B-[LX#))$`L\%,W0!X%6"_3AADX
MX1K](A/(=3$)\7:$&`,X`&L[B`I6%R]WD3F?0GY.D"T'L&^J)E>(02,/<%#M
M\HG_*R!WZ,>&HZ%V%*$<V(%_!Y5%[A$W!)AX2T`]54,0;)AG22,.D_$_V+1(
MOLA_EN4J4T8RHQ@O<()IM`"'/R"'J3$KE5B-UAA[T.@#TN@#=+A./+-RTG!#
MCL0@J=8:MW$N\%8)U4!JK5,IK<,JO/-,K6,;KD8115<-GV(;G&1>Z.@TMM%6
MB*"/[4B#C[9=G`)6!WD#^I@0=,(5L/5N0:4/MS&1+J=,/4<C/&,]015DU]B1
MLI"-71!J6.(3`W<#0D<3Z$<\DG4AG7$UL!=3GG5NYR,0!%$#?7*)>14=B&$`
M,[(X[`$EU;!`\<4#>Y-"02%(T6%^#8(8V6,1+J!:4[$F_V)0"6+`DJ&3&S[A
M.G3ED5P)3[Y'2R*9+#:TE"?)/E5A$OW2,';1#U6#%C&)'1#'#T`)%U-B&SK)
MAXI'-,7&A3QD`["G!);C'/1(`O$&5.Q2!4\9(93G5:CA`BAGDEC9$U+Q*UU9
MF:H`DCRPC6!`C5>`CHQ"CN-(`@YWCAA),"?!CO+#:NC')5)4'^=B`A2A,7UI
M#:#Y*,8F&T`$;!7F&B*B#ZLRD>_&*1:4:S=0FUPA*A/I&IU8&J1)D98C#MAG
M3!D)6ZUGF=:I"9BY`YK)`]UXG=[YG7/VE<`4EN!9GN89GE@&EL!WGNS9GBJ2
MG2NPG;G!F>Y9G_;9=.*)6.1YG__\V9^I`)\J()]"09_^6:`&N@D`.@("ZA@$
M>J`.^J!RD*`0L*`LT*`0>J$8B@822J&88:$9^J$@>@?Y.6;[&:(F>J+Y,*)U
M5J(HVJ(HNJ$LZJ(R^J$PNIXS>J,OJJ+V%J,XVJ,%6J.@X*$^.J3\":2](*1$
MFJ3M::3*@*1*^J3@R:3OX*106J66*:5\0:56NJ4=B:58HJ5<&J8[Z*7)`J9B
M>J:Y1Z8X8Z9HVJ:DIZ:VQ*9N.J>=!J?")*=TFJ=O9J>*A:=Z^J=@QJ=EYJ>`
M6JA8):AW1JB&NJBZA*CXIJB,&JGWXZA1!ZF2>JG"0JFJ1Y\-$1T-X2T6A*FB
MNF;I.9[_-HH_.%*!.;%R"C``:,45/L0@\N2,HUJK_ZFC3T>>T%!4W6%P86@0
MC=%5#]4`'42KMGJLIZ"IMT>?*S-;0',=15(`F34D!O8<!V,7!G>"R+JMJZ"L
M'6BIW!JNPN"M<PBNXGJNN8"KJ,>C2(!/J]$B-4&L%O4N!R0*U?D#_.$2\P(Q
M^/(M6XE_0>`A0``N/5`D+>&(;K25=5`C`X6P]*$4+=)O3&8%_($?1K`#!@M.
M^V9#I8H#TP%=13)-^FH1#JLMI1IFZEI[[-I7%@M.)/@WUT&#XU`#&B$RJE8=
M_/5,'&49_M@B.@1V!G&.\W@0@J0_!H$"58`#G*%$?5D:9(@#_^Z#-/K`<U,Q
M)D_1(@1A?B[G-)[34QDE&;SQBS#U`@R"@]L%?Z+I-*JS=YN4`P!F(1)[$0?Q
M8FUQ0PT01'NF%`YI&[:Q611E$`<T;K'IFP!Q$P9Q5O[WMBQ2#^:G$3S#,^]2
M`U1;!:Z!1N8W7U,+'R*!`*P#"&=EMOSG/@-Q$#C5.BMQ$1=A-YT8-B*Q2*<Y
M&M6Q`GLCN:RY75BW64($NX3A/:JF/]?A/1I"?U]&KM.X!HOC0#3R:.YG(80H
M/E/K&[CQ;LKQ-,M[`U%$1G01*J9!<^1#-#!S/K*!&?]Q$$#C<F%5`^P14_C#
M'C5FO7G`'_6:454!'9RTE->+84N#1O]GLB1`<P)=U&K>EUY6*!\B82&@Y1-E
M0L#OXW*2Z&3_T1%O-3(Z4!/_NS_6T$E$\RXZ1+MLA!V\@\'=RR\=D0>\,Q4L
M)CXKR1H2Z4SI5;[D$5I41GE2@8/8,8\P4+OIY6.2%40LL(K1(Q464H8#UX[#
MF[(;N++"<%6DT&YP-H1V,!F%A:X,8<1QB,12?,7C2L71:,5!@!$X$!9-\ZE!
MUWJP]4PEJPFJ)KL\45$,FTP(:R`22V@3)`/W*@2C1QI)`#*+,R9;(%&"XFSA
MA`25()M?$&A"P)$D.VY-\)?]2;S<:*XM4'3*ZQ-<Y!J<\H-UM#?_81`ID$51
M^1][%(]T83W_:(0MCJE1*'83)9`"3N,$QQ4#.W4=[_,?%`4E(@L-[P(R8%&^
M`IM+?`@#F[$UG;1G,H`HZ<LS]8'+$?3%#E.3U\.YOIEJZ/4OFJ9O5@$00%2^
M.AR&F#$916.",P$T/:$A=HC`EWPU3_.34>&#Q[==-2D2?',U=,E#P2Q(6[!?
M%R44;"0W*:#+_L"^#&(RDE0%_Z$18`-$B6B?CKR9KY`3T',J3]).=2(^Z$N%
M5%:OV]"XT687DB044Y4'""0B<>=#%K)M'X<6&JR7[Z-<^$(DJ5@)\O=NUF'`
M!Y1+6^"XX,7-D"O*H8(6!J$/T=:;\A'$Q4S";?4<V+62Z>(F!-$U_S%"<S7`
MPYZ,&8B1;3EP&QI\'?(!Q$I\>"XG?D1#19@1U.O!RC,-6J8!@&<G+GT\$Y1Y
M'60G`@V0QI&[DJUA?M@1;0?$BS!M?L9ZC0O-G>9*+/R2;6VP2$,2Q3]0V'E'
M"B=[F0IK!T$"UCX`%XH=I5JLC5R,Q9QM>ID=DJ?*!6<G`YIQ<J@X+WIY!M>&
MAO=U*MHZAX\6V38DVZCMQ(*B%K@!VW00P`GQVHM-!:VW,K[=`QO[VTJL!C,R
MW'73@22@72O`VSZ`?J_SV+02V//)!ZWW<A5Q=%2=,8C2U&^"&X@@`@O<U)+E
M;@2#/7$"#4A5&$T15I<,PP"2`E(1AB;`2?\'U7>2?(!41-[K\5;84RZ_DK[G
M\FXWJQKO\]Q<8=C/D0+8P\,]D,8>0][B&,<L\)HS2P.X$1/(4VHHS$5ZUDX6
M$>#F30,$D\9%PLU9E"W'G$#/LQZ5H&D#D=\Q,#'/\R`CO#782L#_[2!.X>(P
M[+:4IP_<4"[OXN`\A-?Z?"^F*1^@P4DB\!Q_1=V08MT#NDK1,21^3(+'W34(
M`=<W,+-V33H!&5IK*=\[I,\F`18.\TWLTZ^@(177\QRR2Q#XXG`4/$?;0'DO
M:1%E?C<.\^4_V>,TRT:F=C4<)4'.(9D$DNA`P#'AC'TM$&@M0`,HW#0BUTD9
M)UDM4C<,8H'9%@#_`#$:42A9-KF^"O'D5=LB2J'IX<PQZT$#2Q(5TK`TD+X-
M"_$^JO8NS-3F*.%P#^4",R+.*R2./8Y&,<!1,M`S?0S6.J1"%2B)&-P0=$XL
M5LZ@PL(WRFT%R+44&H'(7Q#(HH#!<A4$'G-#SOTMEXT$BL@5[[`-"JOMI7?M
M%;JEZ=[9[T3O'=K0J;T"2&XYZ3DI/`#$+76O_Q*T^';`Y/3727""CQ03Q*QI
M)X%%$Q^(:5P$#O,'FM8G_<SGAN($Y$QEQ-Q?^X/O"/K9F;G9J>$8W.AS*P/+
MM;,UG#[B=-<M[@J^-?^[2:.'_P(T:0$(`?,?[X,53X[!2ML4-_(\JD8P_QA\
M4+(*`]$U+S=D=4K+G3R4%G6%32=1',5!@NQ#CSZM\"QQ<CI@.?+!&7EV,5U3
M.$'$DT)C<":/G2BOG2KO`^=&6)IQ;D!\'3FP*HQRA#I\+PT1Y_?=+<]-6&C2
M-7F$7#(9B.+B1;%5!BTP(Z`()5B$7#%S5*.%SN,0D+C,8EU321&2-/?"3SP=
MR:OR-!1U465[*':5.(OD(=Q@*#V1['6U9XG9?<38-4R%&!=QWT'B&@[SCW%_
M"?K>G28J[FP03LI?_*-P_(/M_-(_!]`__=:/"]5__=H_>W,?GW6__>!_9>T5
MI.%?_LG:_0&Z_/.P_NS?_N[__O`?__(___1?___V?__XG__ZO_^-``*0.)*E
M>8H1NK*M^\*Q/-.U?>.YOO.]_P.#PB&Q.%(9D\HEL^E\0J/2*;6Z0EJSVBVW
MZ_V"PV"LN&P^H]/J-9M';L/C\CF];K^][_H]O^__,^4!#A(6&A[R"2(N,C8Z
M/CXI<@D`0!0T^"A4D@B\*!"(+```=$(X'"2(&#!`!%1>%I``'$P=;$(@Q.X<
M!)08(*`P@$*(K@"_%`0<T+:X6C[L]IH`')\@#"_,%`!7HP1(,^CBWLHP&$`0
ME+)@&K-<H[./Q*_PKA0D*),,A"JL!(A#.F)&0`(`R@`L0/!@`8$"HGHI,X<*
M@H`##Q*DJMB+`3D(T`S_,.R7`&``=2(`-`!0$-V"!QQ;%<Q'HA=""`T($$"`
MZ8!(`04(B(0`TB9(A?UZ44HG@D`O7@ER.0#P24&!H[D8.#"`*@`P!PL<$)!Z
M$FD!5OCJ:8(`X%R)DK)Z+2@@`%C*7@18Q0V0@$&J$0;+MK*5$-K,!*AB"4MV
M%$+B!4_O!KX8-VHXJB3J-3@`>*8#!QL;?H/*#E-%!M\HBO`)H=],40B`57R@
MB0"F!O@HCB30=Z;)5M^PKC:@P``!!ZO1"5B%NI2PUVT[PZZ:8"Z!!?7BFBU@
ML$2V@]+T4>N'5FPO3`#,(=C;,&&K]M__2-I"R2\XOY7.<S2HE/&FEVDYB6#<
M_U/=P#,"`0:0HM9--YUD4$<CL)8`0]8))8H"S*2D0%^&C2#-`=494$IR(O2"
M0`#"--C*=@^`DLXH%S+`DURIB?`2!+?QLETQFIE``&'HV(@:1=N9UN&##M+T
MT`G.!*```NI\B)$Z&%'$5(W,;.<,?4*:I"5CZK!(HRE"MM=))029<-H(I;B2
M`&LVTF+`>TL9)\(^SMR5C$4B8-*+7""EH]1T2]["0#PB%B/`:=1L-\*,"#6J
MSTD#Z#B+0R&J11,#ZOR$D68+L`5?':/\D$!.1>@F1&\Z)$0-@3$<<(XM`05A
M@%;#]&`EK3;$*NJN2]B*SJ]$X#2LL<?:$%\6J20XRO^<)R1((@\KP=!+J*:P
MI=NS/^PC;0NKGE"=F&($0-AVX/I3:!.1(MMN)&I51(EC\B+`D3F4H'>`O0>D
ME))U#<C%+P0"(V"=P0@Y)B$+T39+"BC9R*(.1+"A=A,`@0XI@&X5G=,)GIT0
M^(E-NOK5K9&H!4#;C0JPX@IA`R`@'FLLF(Q4K%8B-%H)G^BKUKFIG5F":IE9
M]8VM(Z)("4(!&'`)`D'?I#)8['IS(RL_1[PQ?Q`,P!12J(78ZTQ,FZC6`APK
M!6ER!XAR<3X$B;>MNUDP%;.<5>$D2EBQ%-"T4*HT?<[>Z130-\`=/I60=0HD
MO$!F>A&!Q"A%58B`G`8Q;A#_1B8:1.$!E*Y6T6H.*#"7QC;-IX#.*S!,TWFO
ME("Q`:DXTTDG=YWS$H+U6=Z)80#T?3H)3ROU[`&G-RV-Q[0]W`]?YOP$F#(R
MH0`J.OUD\S3$YS54)R<%\)1IE<>/FQIQ*=U^N9C*CV(.+C?=TXDFPJ%F4#TH
MO$.,+5^_1>.%/ZD(-<)80/:NA:?M@0PEH'#6"(IQ&P2!;'ISZ\)5ZJ:E>]`B
M'?UP$?=LEP]->"Q:$#+5Z03`CKAHA15#0()VOL$5%SJK$I>3AH,R50E>Q.(O
M)Q&!B4!AHDZ9Z@P.T(X2Q&*)!TU"#NRXQP3G-CD1)&,DF0*&7HZA&F[DI$G4
J4,L])&YA(J[@(F6Z,54R7O4#934QC6I<(QN7@,8VPC&.<ISC"R(0`@`[
`
end

</TEXT>
</DOCUMENT>
</SUBMISSION>
