<SUBMISSION>
<ACCESSION-NUMBER>0001084961-04-000049
<TYPE>DEF 14A
<PUBLIC-DOCUMENT-COUNT>2
<PERIOD>20040505
<FILING-DATE>20040401
<EFFECTIVENESS-DATE>20040401
<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>04707583
</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>proxy_050504.htm
<DESCRIPTION>PROXY FOR 05-05-04 STOCKHOLDER'S MEETING
<TEXT>
<HTML>
<HEAD>
<TITLE>Proxy for 5-5-04 Stockholder's Meeting</TITLE>
</HEAD>
<BODY>


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

<!-- MARKER FORMAT-SHEET="Head Minor Center-TNR" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Proxy Statement
Pursuant to Section 14(a) of the Securities Exchange Act of 1934 </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Filed by the Registrant&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[X]  </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Filed by a Party Other than the
Registrant &nbsp;&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></TH>
     <TH></TH>
     <TH></TH>
     <TH></TH>
     <TH></TH>
     <TH> </TH>
</TR>
<TR VALIGN="TOP">
     <TD WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">[&nbsp;&nbsp; ]</FONT></TD>
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Preliminary Proxy Statement</FONT></TD>
     <TD WIDTH="15%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">[_]</FONT></TD>
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Confidential, for Use of the<BR>
Commission Only (as<BR>
permitted by Rule 14a-6(e)(2))</FONT></TD>
     <TD WIDTH="29%"> </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 Minor Center-TNR" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE="4"><B>ENCORE CAPITAL GROUP,
INC.</B> </FONT><BR> <FONT FACE="Times New Roman, Times, Serif" SIZE=2>(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>&nbsp;&nbsp;&nbsp;&nbsp;Payment
of Filing Fee (check the appropriate box): </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;[X]&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
          No fee required. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para (List) Indent Lv 0- TNR" FSL="Default" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;[_]&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
          Fee computed on table below per Exchange Act Rules 14a-6(i)(1) and 0-11. </FONT></P>


<!-- MARKER FORMAT-SHEET="Para (List) Indent Lv 1- TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
<TD ALIGN=RIGHT WIDTH=5%></TD>
<TD WIDTH=95%><P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;         (1) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Title
of each series of securities to which transaction applies: </FONT></P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para (List) Indent Lv 1- TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
<TD ALIGN=RIGHT WIDTH=5%></TD>
<TD WIDTH=95%><P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;         (2) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Aggregate
number of securities to which transaction applies: </FONT></P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para (List) Indent Lv 1- TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
<TD ALIGN=RIGHT WIDTH=5%></TD>
<TD WIDTH=95%><P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></P></TD>
</TR>
</TABLE>
<BR>
<!-- MARKER FORMAT-SHEET="Para (List) Indent Lv 1- TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
<TD ALIGN=RIGHT WIDTH=5%></TD>
<TD WIDTH=95%><P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;         (3) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
determined): </FONT></P></TD>
</TR>
</TABLE>
<BR>



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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
<TD ALIGN=RIGHT WIDTH=5%></TD>
<TD WIDTH=95%><P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;         (4) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Proposed
maximum aggregate value of transaction: </FONT></P></TD>
</TR>
</TABLE>
<BR>

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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
<TD ALIGN=RIGHT WIDTH=10%></TD>
<TD WIDTH=90%><P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;              $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></P></TD>
</TR>
</TABLE>
<BR>

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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
<TD ALIGN=RIGHT WIDTH=5%></TD>
<TD WIDTH=95%><P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;         (5) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total
fee paid: </FONT></P></TD>
</TR>
</TABLE>
<BR>

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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
<TD ALIGN=RIGHT WIDTH=10%></TD>
<TD WIDTH=90%><P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;              $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></P></TD>
</TR>
</TABLE>
<BR>





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<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="Default" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(4)&nbsp;&nbsp;&nbsp;&nbsp;
          Date Filed: </FONT></P>
<BR><BR><BR>
<HR SIZE=1 NOSHADE>
<BR><BR><BR>

<!-- MARKER FORMAT-SHEET="Head Minor Center-TNR" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE="4"><B>ENCORE CAPITAL GROUP,
INC.</B> </FONT> </P>

<!-- MARKER FORMAT-SHEET="Head Minor Center-TNR" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><B>NOTICE OF ANNUAL
MEETING OF STOCKHOLDERS </B><BR><B>TO BE HELD ON MAY 5,
2004</B> </FONT> </P>

<HR SIZE=2 NOSHADE align=center width=20% color=black>
<HR SIZE=1 align=center width=20%>


<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<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 2004 annual meeting of
Stockholders of Encore Capital Group, Inc. (the &#147;Company&#148;) will be held at the
Hyatt Regency La Jolla, 3777 La Jolla Village Drive, San Diego, California 92122, on May 5, 2004, beginning at 1:00
p.m. local time. The annual meeting is being held for the following purposes: </FONT></P>

<!-- MARKER FORMAT-SHEET="Para (List) Flush Lv 5- TNR" FSL="Project" -->
     <TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0>
          <TR VALIGN=TOP>
          <TD ALIGN=RIGHT WIDTH=25%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1. </FONT></TD>
          <TD ALIGN=LEFT WIDTH=75%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

           To elect 9 directors, each for a term of one year; </FONT></TD>
          </TR>
          </TABLE>
          <BR>

<!-- MARKER FORMAT-SHEET="Para (List) Flush Lv 5- TNR" FSL="Project" -->
     <TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0>
          <TR VALIGN=TOP>
          <TD ALIGN=RIGHT WIDTH=25%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2. </FONT></TD>
          <TD ALIGN=LEFT WIDTH=75%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

           To amend the 1999 Equity Participation Plan to increase the number of shares
          subject to that plan from 2,600,000 to 3,300,000; </FONT></TD>
          </TR>
          </TABLE>
          <BR>

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     <TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0>
          <TR VALIGN=TOP>
          <TD ALIGN=RIGHT WIDTH=25%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>3. </FONT></TD>
          <TD ALIGN=LEFT WIDTH=75%><FONT FACE="Times New Roman, Times, Serif" SIZE=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 2004; and </FONT></TD>
          </TR>
          </TABLE>
          <BR>

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     <TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0>
          <TR VALIGN=TOP>
          <TD ALIGN=RIGHT WIDTH=25%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>4. </FONT></TD>
          <TD ALIGN=LEFT WIDTH=75%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

           To transact such other business that may properly come before the meeting. </FONT></TD>
          </TR>
          </TABLE>
          <BR>

<!-- 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 March 12, 2004, are entitled to notice of and to vote at the meeting or any
postponement or adjournment thereof. </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 2003 Annual Report on
Form 10-K, which includes audited consolidated 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. Whether or
not you plan to attend the meeting in person, please submit your vote as soon as possible
using one of the voting methods described in the attached materials. Submitting your
voting instructions by any of these methods will not affect your right to attend the
meeting and vote in person should you so choose.</B> </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>By Order of the Board of Directors<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> Chief Executive Officer</FONT></TD>
</TR>
</TABLE>
<BR>



<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Default" -->
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>March 30, 2004 <BR>San Diego,
California </FONT></P>


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



<!-- MARKER FORMAT-SHEET="Head Minor Center-TNR" FSL="Default" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>TABLE OF CONTENTS</B> </FONT> </P>


<TABLE CELLPADDING=2 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></TR>
<TR VALIGN=Bottom>
     <TD WIDTH=97% ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TD>
     <TD WIDTH=3% ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><U><B>Page</B></U> </FONT> </TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>About the Meeting</B> </FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1&nbsp;</FONT></TD></TR>
<TR bgcolor="#eeeeee" VALIGN=Bottom>
     <TD bgcolor="#eeeeee" 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&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;&nbsp;Who is entitled to vote?</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1&nbsp;</FONT></TD></TR>
<TR bgcolor="#eeeeee" VALIGN=Bottom>
     <TD bgcolor="#eeeeee" 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&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;&nbsp;What constitutes a quorum?</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1&nbsp;</FONT></TD></TR>
<TR bgcolor="#eeeeee" VALIGN=Bottom>
     <TD bgcolor="#eeeeee" 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 by proxy before the meeting?</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>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;&nbsp;May I vote shares in person at the meeting?</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2&nbsp;</FONT></TD></TR>
<TR bgcolor="#eeeeee" VALIGN=Bottom>
     <TD bgcolor="#eeeeee" 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&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;&nbsp;What are the Board's recommendations?</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2&nbsp;</FONT></TD></TR>
<TR bgcolor="#eeeeee" VALIGN=Bottom>
     <TD bgcolor="#eeeeee" 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>3&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;&nbsp;&nbsp;Can I exercise rights of appraisal or other dissenters' rights?</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>3&nbsp;</FONT></TD></TR>
<TR bgcolor="#eeeeee" VALIGN=Bottom>
     <TD bgcolor="#eeeeee" 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&nbsp;</FONT></TD></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 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 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 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 VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>Board of Directors</B> </FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>4&nbsp;</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&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;&nbsp;General</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>4&nbsp;</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&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;&nbsp;Nominees</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>4&nbsp;</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&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;&nbsp;How often did the Board meet during fiscal 2003?</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>6&nbsp;</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&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;&nbsp;Corporate Governance</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>8&nbsp;</FONT></TD></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 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 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 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 VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>Executive Officers and Compensation</B> </FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9&nbsp;</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>11&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;&nbsp;Option Grants in Last Fiscal Year</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>12&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;&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>13&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;&nbsp;Employment Agreements and Related Matters</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>13&nbsp;</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>14&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;&nbsp;Compensation Committee Interlocks and Insider Participation</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>16&nbsp;</FONT></TD></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 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 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 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 bgcolor="#eeeeee" VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>Stock Price Performance Graph</B> </FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>17&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>Certain Relationships and Related Transactions</B> </FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>18&nbsp;</FONT></TD></TR>
<TR bgcolor="#eeeeee" VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>Security Ownership of Principal Stockholders and Management</B> </FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>20&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>Securities Authorized for Issuance under Equity Compensation Plans</B> </FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>23&nbsp;</FONT></TD></TR>
<TR bgcolor="#eeeeee" VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>Section 16(a) Beneficial Ownership Reporting Compliance</B> </FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>23&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>Report of the Audit Committee</B> </FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>24&nbsp;</FONT></TD></TR>
<TR bgcolor="#eeeeee" VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>Proposal No 2--Approval of Amendment to 1999 Equity Participation Plan</B> </FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>25&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>Proposal No 3--Ratification of Selection of Independent Auditors</B> </FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>28&nbsp;</FONT></TD></TR>
<TR bgcolor="#eeeeee" VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>Stockholder Proposals and Nominations</B> </FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>28&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>Independent Auditors</B> </FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>29&nbsp;</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;Audit and Non-Audit Fees</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>29&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;&nbsp;Approval of Independent Auditor Services and Fees</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>30&nbsp;</FONT></TD></TR>
<TR bgcolor="#eeeeee" VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>Other Matters</B> </FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>31&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>Appendix I - Amended 1999 Equity Participation Plan</B> </FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>Appendix II - Charter of the Audit Committee of the Board of Directors</B> </FONT></TD></TR>
</TABLE>

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




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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE="4"><B>ENCORE CAPITAL GROUP,
INC.</B> </FONT> <BR><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><B>5775 ROSCOE COURT<BR> SAN DIEGO, CALIFORNIA 92123 </B><BR>

<B>(877) 445-4581</B> </FONT> </P>



<HR SIZE=2 NOSHADE align=center width=20% color=black>
<HR SIZE=1 align=center width=20%>

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

<HR SIZE=2 NOSHADE align=center width=20% color=black>
<HR SIZE=1 align=center width=20%>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This
Proxy Statement relates to the 2004 Annual Meeting of Stockholders to be held at the
Hyatt Regency La Jolla, 3777 La Jolla Village Drive, San Diego, California, 92122, on May
5, 2004, beginning at 1:00 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 April 1,
2004. </FONT> </P>


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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><B>ABOUT THE MEETING</B> </FONT> </P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B><I>What is the purpose of the annual
meeting?</I></B> </FONT> </P>

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<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, the amendment of
the Company&#146;s 1999 Equity Participation Plan 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>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B><I>Who is entitled to vote?</I></B> </FONT> </P>

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<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, March 12, 2004, 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>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;At
the close of business on March 12, 2004, there were 22,039,278 outstanding shares of the
Company&#146;s common stock, which are entitled to cast 22,039,278 votes. </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B><I>Who can attend the meeting?</I></B> </FONT> </P>

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<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. Others may attend the meeting at the discretion of the Company. No admission
tickets are required this year. </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B><I>What constitutes a quorum?</I></B> </FONT> </P>

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<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>


<BR><BR><BR>
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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1 </FONT></P>
<HR SIZE=1 NOSHADE>
<BR><BR><BR>


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<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B><I>How do I vote by proxy before the
meeting?</I></B> </FONT> </P>




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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Before
the meeting, you may vote your shares in one of the following three ways:  </FONT></P>




<UL>

<LI><FONT FACE="Times New Roman, Times, Serif" SIZE="2"> By Internet at <B>www.voteproxy.com</B>. </FONT>

<LI><FONT FACE="Times New Roman, Times, Serif" SIZE="2"> By Telephone (from the United States and Canada only) at 1-800-PROXIES (1-800-776-9437). </FONT>

<LI><FONT FACE="Times New Roman, Times, Serif" SIZE="2"> By mail by completing, signing, dating and returning the enclosed proxy card in the postage paid envelope
         provided. </FONT>

</UL>


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<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>Please refer to the proxy card for
further instructions on voting via the Internet and by Telephone.</B> </FONT> </P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B><I>Please use only one of the three ways
to vote.</I></B> </FONT> </P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Please
follow the directions on your proxy card carefully. If your shares are held in a brokerage
account in the name of your bank or broker (this is called &#147;street name&#148;), your
ability to vote those shares by telephone or via the Internet depends on the voting
procedures used by your broker. You may receive a separate voting instruction form with
this Proxy Statement, or you may need to contact your broker, bank or other nominee to
determine whether you will be able to vote electronically using the Internet or telephone. </FONT></P>



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<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B><I>May I vote my shares in person at the
meeting?</I></B> </FONT> </P>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;Yes.
          You may vote your shares at the meeting if you attend in person, even if you
          previously submitted a proxy card or voted by Internet or telephone. Whether or
          not you plan to attend the meeting, however, we encourage you to vote your
          shares by proxy before the meeting. Please note that if your shares are held in
          &#147;street name&#148; and you wish to vote at the meeting, you will not be
          permitted to do so unless you first obtain a legal proxy issued in your name
          from the broker, bank or nominee that holds your shares. </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B><I>What if I submit a proxy and then
change my mind?</I></B> </FONT> </P>


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<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>
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<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B><I>What are the Board&#146;s
recommendations?</I></B> </FONT> </P>

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<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 <B>FOR </B>election of the nominated slate of
directors, <B>FOR </B>the amendment of the 1999 Equity Participation Plan and <B>FOR </B>the
ratification of independent auditors. </FONT> </P>

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<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>

<BR><BR><BR>
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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2> 2</FONT></P>
<HR SIZE=1 NOSHADE>
<BR><BR><BR>


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<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B><I>What vote is required to approve each
item?</I></B> </FONT> </P>

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<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>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Other
Items. </I></B>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>

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<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>. 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, such as the amendment of
the 1999 Equity Participation Plan. 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>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B><I>Can I exercise rights of appraisal or
other dissenters&#146; rights?</I></B> </FONT> </P>

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<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 demand appraisal of their
shares or exercise similar rights of dissenters as a result of the approval of any of the
proposals to be presented at the annual meeting. </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B><I>Who pays for the cost of this proxy
solicitation?</I></B> </FONT> </P>

<!-- 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;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. In addition to the solicitation of proxies by mail, proxies
may be solicited in person, by telephone or by facsimile by officers, directors and
regular employees of the Company, none of whom will receive additional compensation for
those services.  </FONT></P>



<BR><BR><BR>
<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>3 </FONT></P>
<HR SIZE=1 NOSHADE>
<BR><BR><BR>


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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><B>Election of Directors</B> </FONT> <BR>
<FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>(Proposal No. 1)</B> </FONT> </P>

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

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A
board consisting 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>

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<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B><I>Vote Required</I></B> </FONT> </P>

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<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="760" align=center BORDER="1" CELLPADDING="5" CELLSPACING="0">
<TR bgcolor=silver VALIGN="BOTTOM">
     <Td><FONT SIZE="2"><B>The Board of Directors recommends a
vote <U>FOR </U>election of each of the director nominees.</B> </FONT> </Td></TR>
<TR VALIGN="TOP">
     <TD WIDTH="100%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD></TR>
</TABLE>




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

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
names of the nominees, and certain information about them are set forth below: </FONT></P>



<TABLE CELLPADDING="3" CELLSPACING="0" WIDTH="760" ALIGN="CENTER">
<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><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TD WIDTH="32%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><U><B>Name of Nominee</B></U> </FONT> </TD>
     <TD WIDTH="16%" ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><U><B>Age</B></U> </FONT> </TD>
     <TD WIDTH="52%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><U><B>Title</B></U> </FONT> </TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Raymond Fleming</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>48&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="CENTER"><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="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>43&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="CENTER"><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="CENTER"><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="CENTER"><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="CENTER"><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>Nelson Peltz</FONT></TD>
     <TD ALIGN="CENTER"><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="CENTER"><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>




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<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="Default" -->
<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 1998. From 1993 through 1995, Mr. Gregory was Chairman, President and
Director of MIP Properties, Inc., a public real estate investment trust. Mr. Gregory
received his undergraduate degree in Accounting from Southern Methodist University and an
MBA from the University of Southern California. </FONT> </P>

<BR><BR><BR>
<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>4 </FONT></P>
<HR SIZE=1 NOSHADE>
<BR><BR><BR>

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<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 franchisor 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;), which provided investment banking and management
services for Mr. Peltz and Mr. May, 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. and
The Smith &amp; Wollensky Restaurant Group, 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="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>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 been 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>

<BR><BR><BR>
<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>5 </FONT></P>
<HR SIZE=1 NOSHADE>
<BR><BR><BR>


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<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>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B><I>How are directors compensated?</I></B> </FONT> </P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;During
2003, Mr. Kogan and Mr. Mandell each received a $15,000 annual retainer fee and a $1,000
per meeting fee for attendance at Board or committee meetings. Effective January 2004,
Messrs. Kogan and Mandell each receive a $25,000 annual retainer fee and a $1,000 per
meeting fee for attendance at Board or committee meetings. In addition, Mr. Kogan has been
granted stock options to purchase an aggregate of 25,000 shares of the Company&#146;s
common stock and Mr. Mandell has been granted stock options to purchase an aggregate of
30,000 shares of the Company&#146;s common stock. Directors who represent or are
affiliated with 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>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B><I>How often did the Board meet during
fiscal 2003?</I></B> </FONT> </P>

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<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 11 times during 2003. 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 2003. </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B><I>What committees has the Board
established?</I></B> </FONT> </P>

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<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
current members of these Committees are as follows: </FONT></P>




<TABLE CELLPADDING=0 CELLSPACING=2 BORDER=0 WIDTH=760>
<TR VALIGN=Bottom>
     <TH align=left><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>
      <TD> </TD>
      <TD> </TD>
      <TD> </TD>
      <TD> </TD></TR>
<TR>
      <TD> </TD>
      <TD> </TD>
      <TD> </TD>
      <TD> </TD></TR>
<TR>
      <TD> </TD>
      <TD> </TD>
      <TD> </TD>
      <TD> </TD></TR>
<TR>
      <TD> </TD>
      <TD> </TD>
      <TD> </TD>
      <TD> </TD></TR>
<TR>
      <TD> </TD>
      <TD> </TD>
      <TD> </TD>
      <TD> </TD></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><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Eric D. Kogan</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>
     <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>Alexander Lemond</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><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><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><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><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>





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<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company&#146;s Board of Directors has adopted written charters for each of its standing
committees, and each of those written charters is available on the Company&#146;s website
at <B>www.encorecapitalgroup.com</B>. Click on &#147;Investors,&#148; then &#147;Corporate
Governance&#148; and then see &#147;Committee Charters.&#148; Please note that the
information contained on our website is not incorporated by reference in, or considered to
be a part of, this document. A copy of the Audit Committee charter is also attached to
this proxy statement as Appendix II. </FONT> </P>

<BR><BR><BR>
<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>6 </FONT></P>
<HR SIZE=1 NOSHADE>
<BR><BR><BR>


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<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Audit
Committee</I></B>. 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 controls
regarding finance, accounting, legal compliance and ethical behavior and considers other
appropriate matters regarding the financial affairs of the Company. The Audit Committee
met in person or acted by written consent 6 times during 2003. </FONT> </P>

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<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 4 times during 2003. </FONT> </P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Nominating
Committee</I></B>. The functions of the Nominating Committee are to recommend to the Board of
Directors prior to each annual meeting of stockholders, a slate of nominees for election
as directors at such meeting; and to recommend to the Board nominees to fill vacancies in
membership of the Board as they occur among the directors. The Nominating Committee met in
person or acted by written consent once during 2003. </FONT> </P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prior
to each annual meeting of stockholders, the Nominating Committee identifies nominees by
first evaluating the current members of the Board willing to continue in service. Current
members of the Board with skills and experience that are relevant to the Company&#146;s
business and who are willing to continue in service are considered for re-nomination,
balancing the value of continuity of service by existing members of the Board with that of
obtaining a new perspective. If any member of the Board does not wish to continue in
service or if the Nominating Committee or the Board decides not to nominate a member for
re-election, the Nominating Committee identifies the desired skills and experience of a
new nominee in light of the criteria below. Current members of the Nominating Committee
and Board and management are polled for suggestions as to individuals meeting the
applicable criteria. Research may also be performed to identify qualified individuals.
Although the Company has never engaged third parties to assist in the identification
and/or evaluation of potential nominees, it may do so in the future, in which case the
third party would receive a fee for its services. </FONT></P>




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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
factors that the Nominating Committee will consider in evaluating prospective director
nominees include the following: </FONT></P>


<UL>
     <LI> <FONT FACE="Times New Roman, Times, Serif" SIZE="2">the appropriate size of the Board;</font>



   <LI>   <FONT FACE="Times New Roman, Times, Serif" SIZE="2"> a candidate's knowledge, skills and experience,  including experience in business,  finance, accounting or administration,  in
                  light of prevailing business conditions,  the needs of the Company and the knowledge,  skills and experience
                  already possessed by other members of the Board;</font>

<LI>    <FONT FACE="Times New Roman, Times, Serif" SIZE="2"> whether a candidate is  "independent,"  as defined by applicable  NASD rules and whether  circumstances  exist that may create
                  the appearance of a conflict of interest;</font>

<LI>       <FONT FACE="Times New Roman, Times, Serif" SIZE="2">a candidate's familiarity with accounting rules and practices applicable to the Company's business;</font>

<LI>       <FONT FACE="Times New Roman, Times, Serif" SIZE="2">a candidate's character, integrity and reputation for working constructively with others;</font>

<LI>        <FONT FACE="Times New Roman, Times, Serif" SIZE="2">whether a candidate has sufficient time available to devote to the duties of a director of the Company;</font>

<LI>       <FONT FACE="Times New Roman, Times, Serif" SIZE="2"> the importance of maintaining  productive working  relationships  among the Board members and between the Board and management
                  for the benefit of all stockholders; and</font>

<LI>      <FONT FACE="Times New Roman, Times, Serif" SIZE="2"> recognition of both the considerable  benefit of continuity and the fresh  perspective  provided by the periodic  introduction
                  of new members.</font>

</UL>

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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2> 7</FONT></P>
<HR SIZE=1 NOSHADE>


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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Nominating Committee will consider stockholder nominations for directors submitted in
accordance with the procedure set forth in Section&nbsp;3.14 of the Company&#146;s Bylaws.
There are no differences in the manner in which the Nominating Committee evaluates a
candidate that is recommended for nomination for membership on the Company&#146;s Board by
a stockholder. The procedure provides that a notice relating to the nomination must be
timely given in writing to the secretary of the Company prior to the meeting. To be
timely, the notice must be delivered within the time permitted for submission of a
stockholder proposal as described under &#147;Stockholder Proposals.&#148; Such notice
must be accompanied by the nominee&#146;s written consent, contain information relating to
the business experience and background of the nominee and contain information with respect
to the nominating stockholder and persons acting in concert with the nominating
stockholder. The Nominating Committee has not received any recommended nominations from
any of the Company&#146;s stockholders in connection with the Annual Meeting. </FONT></P>

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<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B><I>Corporate Governance</I></B> </FONT> </P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Director
Independence</I>. The Board of Directors has determined that Messrs. Fleming, Katz, Kogan,
Lemond, Mandell, May, Peltz and Whyte are &#147;independent&#148; within the meaning of
the rules of The Nasdaq Stock Market, based on its application of the standards set forth
in Section 301 of the Sarbanes-Oxley Act of 2002, Rule 10A-3 under the Securities Exchange
Act of 1934 and Nasdaq Rules 4200 and 4350. The Board has also determined that each member
of the Board&#146;s Audit, Compensation and Nominating Committees is independent within
the meaning of those rules and standards. </FONT> </P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Audit
Committee Financial Expert</I>. &nbsp;The Board of Directors has determined that at least one
member of the Audit Committee, Mr. Mandell, is an Audit Committee Financial Expert as
defined in Securities and Exchange Commission (&#147;SEC&#148;) regulations and has been
determined by the Board to be independent within the meaning of Nasdaq Marketplace Rule
4200(a)(15). </FONT> </P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Code
of Ethics</I>. Our Board of Directors has adopted a Code of Ethics applicable to all
employees, officers and directors. A copy of the Code of Ethics is available on our
website at <B>www.encorecapitalgroup.com</B>. Click on &#147;Investors,&#148; then
&#147;Corporate Governance&#148; and then &#147;Code of Ethics.&#148; We may post
amendments to or waivers of the provisions of the Code of Ethics, if any, made with
respect to any of our Directors and executive officers on that website. Please note that
the information contained on our website is not incorporated by reference in, or
considered to be a part of, this document. </FONT> </P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Communications
with Directors</I>. The Company has not adopted a formal process for stockholder
communications with the Board; however, stockholders can contact the Board or an
individual Director by writing to: Board of Directors, Encore Capital Group, Inc., 5775
Roscoe Court, San Diego, CA 92123, Attention: Corporate Secretary. Absent unusual
circumstances or as contemplated by committee charters, communications received in writing
are distributed to members of the Board as appropriate depending on the facts and
circumstances outlined in the communication received. </FONT> </P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Executive
Sessions of Non-Employee Directors</I>. Non-employee Board members meet without management
present at least twice a year following regularly scheduled Board Meetings. The Chairman,
Mr. Kogan, presides over meetings of the non-employee directors. </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>
<HR SIZE=1 NOSHADE>



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<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2">
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Policy
Regarding Directors Attendance at Annual Meetings</I>. &nbsp;The Company does not have a
policy that requires the attendance of all directors at the Annual Meetings. All of the
Board Members attended the 2003 Annual Meeting in person or by conference telephone. </FONT> </P>

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>EXECUTIVE OFFICERS AND
COMPENSATION  </FONT></H1>

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<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 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"><U>Name</U>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TH>
     <TH ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><U>Age</U> </FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><U>Position</U> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TH></TR>
<TR VALIGN=Bottom>
     <TD WIDTH="17%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT> </TD>
     <TD WIDTH="30%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Barry R. Barkley</FONT></TD>
     <TD WIDTH="17%" ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>60&nbsp;</FONT></TD>
     <TD WIDTH="36%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Executive Vice President and</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT> </TD>
     <TD ALIGN="LEFT"><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="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Chief Financial Officer</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT> </TD>
     <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>36&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Executive Vice President and</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT> </TD>
     <TD ALIGN="LEFT"><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="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Chief Operating Officer</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT> </TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>George R. Brooker</FONT></TD>
     <TD ALIGN="CENTER"><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>Vice President and</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT> </TD>
     <TD ALIGN="LEFT"><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="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Controller</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT> </TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Alison James</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>38&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Senior Vice President of Human</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT> </TD>
     <TD ALIGN="LEFT"><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="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Resources</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT> </TD>
     <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>46&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Senior Vice President, General</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT> </TD>
     <TD ALIGN="LEFT"><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="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Counsel and Secretary</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT> </TD>
     <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>42&nbsp;</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Senior Vice President and</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT> </TD>
     <TD ALIGN="LEFT"><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="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Chief Information Officer</FONT></TD></TR>
</TABLE>





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<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>

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     <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="Default" -->
<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>9 </FONT></P>
<HR SIZE=1 NOSHADE>
<BR><BR><BR>

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<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="Default" -->
<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>
<BR><BR><BR>
<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2> 10</FONT></P>
<HR SIZE=1 NOSHADE>
<BR><BR><BR>

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

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<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, 2003, 2002 and 2001,
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 2003, 2002 and
2001, and its most highly compensated executive officers at December 31, 2003 (the
&#147;Named Executive Officers&#148;). </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> </TH>
     <TH colspan=3> <FONT FACE="Times New Roman, Times, Serif" SIZE="2"><U>Long-Term Compensation</U> </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> </TH>
     <TH colspan=3><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><U>Annual Compensation</U> </FONT></TH>

     <TH colspan=2> <FONT FACE="Times New Roman, Times, Serif" SIZE="2"><U>Awards</U> </FONT></TH>

     <TH> <FONT FACE="Times New Roman, Times, Serif" SIZE="2"><U>Payouts</U> </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">Restricted </font></TH>
     <TH> <FONT FACE="Times New Roman, Times, Serif" SIZE="2">Securities</font></TH>

     <TH> </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        </FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Year</FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Salary<BR>
($)</FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Bonus<BR>
($)</FONT></TH>
     <TH> <FONT FACE="Times New Roman, Times, Serif" SIZE="2">Other Annual<BR>Compensation<BR>($)</font></TH>
     <TH> <FONT FACE="Times New Roman, Times, Serif" SIZE="2">Stock <BR> <U>Award(s) </U><BR> ($) </FONT> </TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Underlying <BR> Options/<BR> SARs  </FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2">  LTIP  <BR>Payouts<BR>($) </font> </TH>
     <TH><FONT           FACE="Times New Roman, Times, Serif" SIZE=2>All Other<BR>Compensation<BR>($)<SUP>(1)</SUP></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT> </TH>

     </TR>
<TR VALIGN=Bottom>
     <TH><hr size=2 width=95% align=left noshade color=black></TH>
     <TH><hr size=2 width=95% align=center noshade color=black></TH>
     <TH><hr size=2 width=95% align=center noshade color=black></TH>
     <TH><hr size=2 width=95% align=center noshade color=black></TH>
     <TH><hr size=2 width=95% align=center noshade color=black> </TH>
     <TH colspan=3><hr size=2 width=95% align=center noshade color=black> </TH><TH><hr size=2 width=95% align=center noshade color=black> </TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT> </TH>
</TR>

<TR VALIGN=Bottom>
     <TD WIDTH="18%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Carl C. Gregory, III</FONT></TD>
     <TD WIDTH="9%" ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2003</FONT></TD>
     <TD WIDTH="10%" ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$365,144&nbsp;</FONT></TD>
     <TD WIDTH="10%" ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$521,115&nbsp;</FONT></TD>
     <TD WIDTH="10%"> </TD>
     <TD WIDTH="10%"> </TD>
     <TD WIDTH="10%" ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>100,000&nbsp;</FONT></TD>
     <TD WIDTH="10%"> </TD>
     <TD WIDTH="10%" ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$&nbsp;2,327,795</FONT></TD>
     <TD WIDTH="3%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><SUP>(2)</SUP></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=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2002</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>525,000&nbsp;</FONT></TD>
     <TD> </TD>
     <TD> </TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>208,333&nbsp;</FONT></TD>
     <TD> </TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>28,192</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><SUP>(3)</SUP></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=CENTER><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> </TD>
     <TD> </TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;</FONT></TD>
     <TD> </TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>3,886</FONT></TD>
     <TD><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>&nbsp;&nbsp;Officer</FONT></TD></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> </TH>
     <TH> </TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH> </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> </TH>
     <TH> </TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH> </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> </TH>
     <TH> </TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH> </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> </TH>
     <TH> </TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH> </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> </TH>
     <TH> </TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH> </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> </TH>
     <TH> </TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH> </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 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>2003</FONT></TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$260,817&nbsp;</FONT></TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$372,225&nbsp;</FONT></TD>
     <TD> </TD>
     <TD> </TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>100,000&nbsp;</FONT></TD>
     <TD> </TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$&nbsp;1,540,282</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><SUP>(4)</SUP></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=CENTER><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> </TD>
     <TD> </TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>208,333&nbsp;</FONT></TD>
     <TD> </TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>30,335</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><SUP>(5)</SUP></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=CENTER><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> </TD>
     <TD> </TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;</FONT></TD>
     <TD> </TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2,569</FONT></TD>
     <TD><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>&nbsp;&nbsp;Financial Officer</FONT></TD></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> </TH>
     <TH> </TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH> </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> </TH>
     <TH> </TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH> </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> </TH>
     <TH> </TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH> </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> </TH>
     <TH> </TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH> </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> </TH>
     <TH> </TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH> </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> </TH>
     <TH> </TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH> </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 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>2003</FONT></TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$234,736&nbsp;</FONT></TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$372,225&nbsp;</FONT></TD>
     <TD> </TD>
     <TD> </TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>100,000&nbsp;</FONT></TD>
     <TD> </TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$&nbsp;1,503,253</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><SUP>(6)</SUP></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=CENTER><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> </TD>
     <TD> </TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>208,333&nbsp;</FONT></TD>
     <TD> </TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>21,218</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><SUP>(7)</SUP></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=CENTER><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> </TD>
     <TD> </TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;</FONT></TD>
     <TD> </TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2,532</FONT></TD>
     <TD><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>&nbsp;&nbsp;Operating Officer</FONT></TD>
     <TD ALIGN=CENTER><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="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;</FONT></TD>
     <TD> </TD>
     <TD> </TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;</FONT></TD>
     <TD> </TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <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=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> </TH>
     <TH> </TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH> </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> </TH>
     <TH> </TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH> </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> </TH>
     <TH> </TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH> </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> </TH>
     <TH> </TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH> </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> </TH>
     <TH> </TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH> </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> </TH>
     <TH> </TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH> </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 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>2003</FONT></TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$197,981&nbsp;</FONT></TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$110,000&nbsp;</FONT></TD>
     <TD> </TD>
     <TD> </TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>37,500&nbsp;</FONT></TD>
     <TD> </TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;18,025</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><SUP>(8)</SUP></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=CENTER><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>92,500&nbsp;</FONT></TD>
     <TD> </TD>
     <TD> </TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;</FONT></TD>
     <TD> </TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>10,674</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><SUP>(9)</SUP></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=CENTER><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> </TD>
     <TD> </TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>75,000&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>
     <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> </TH>
     <TH> </TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH> </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> </TH>
     <TH> </TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH> </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> </TH>
     <TH> </TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH> </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> </TH>
     <TH> </TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH> </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> </TH>
     <TH> </TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH> </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> </TH>
     <TH> </TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH> </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 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>2003</FONT></TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$188,654&nbsp;</FONT></TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$&nbsp;&nbsp;95,000&nbsp;</FONT></TD>
     <TD> </TD>
     <TD> </TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>37,500&nbsp;</FONT></TD>
     <TD> </TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$&nbsp;&nbsp;&nbsp;&nbsp;381,114</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><SUP>(10)</SUP></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=CENTER><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>87,500&nbsp;</FONT></TD>
     <TD> </TD>
     <TD> </TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;</FONT></TD>
     <TD> </TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>11,320</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><SUP>(11)</SUP></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=CENTER><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> </TD>
     <TD> </TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;</FONT></TD>
     <TD> </TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2,513</FONT></TD>
     <TD><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>&nbsp;&nbsp;and Chief Information</FONT></TD>
     <TD ALIGN=CENTER><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;</FONT></TD>
     <TD ALIGN="RIGHT"><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>&nbsp;&nbsp;Officer</FONT></TD></TR>
</TABLE>
<BR>

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

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<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>Includes
401(k) plan matching contributions and term life insurance premiums paid by the Company.</FONT></TD>
</TR>
</TABLE>
<BR>

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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(2)  </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Includes
 non-qualified plan matching  contributions of $65,625;  health insurance premiums of
$8,537 paid by the Company; and   stock option exercise income of $2,250,000.  Stock
option exercise income is calculated as the difference  between the exercise price   and
the fair market  value of the stock on the date of  exercise,  and is taxed as ordinary
 income  whether or not the stock is sold   upon exercise.  In connection with a
secondary public offering of the Company's  common stock in October 2003, Mr. Gregory
 exercised   options to  purchase  225,000  shares,  sold  107,756 of those  shares to
 generate  sufficient  cash to pay the  exercise  price and   withholding taxes due upon
exercise of the total number of shares exercised, and retained ownership of the remaining
117,244 shares.</FONT></TD>
</TR>
</TABLE>
<BR>

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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(3)  </FONT></TD>
<TD WIDTH=95%><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>


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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(4)  </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Includes
 non-qualified  plan matching  contributions of $37,000 and stock option exercise income
of $1,500,000.  Stock option   exercise  income is calculated  as the  difference
 between the exercise  price and the fair market value of the stock on the date of
  exercise,  and is taxed as ordinary  income whether or not the stock is sold upon
 exercise.  In connection  with a secondary  public   offering of the Company's  common
stock in October 2003, Mr. Barkley  exercised  options to purchase  150,000 shares,  sold
71,838 of   those shares to generate  sufficient  cash to pay the exercise price and
 withholding  taxes due upon exercise of the total number of   shares exercised, and
retained ownership of the remaining 78,162 shares.</FONT></TD>
</TR>
</TABLE>
<BR>


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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(5)  </FONT></TD>
<TD WIDTH=95%><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>


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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(6)  </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Includes
stock option exercise income of $1,500,000.  In connection with a secondary  public
offering of the Company's  common   stock in October 2003, Mr. Black exercised  options
to purchase  150,000 shares,  sold 71,838 of those shares to generate  sufficient   cash
to pay the  exercise  price and  withholding  taxes due upon  exercise of the total
 number of shares  exercised,  and  retained   ownership of the remaining 78,162 shares.</FONT></TD>
</TR>
</TABLE>
<BR>


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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(7)  </FONT></TD>
<TD WIDTH=95%><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>

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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(8)  </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Includes
non-qualified plan matching contributions of $14,813 paid by the Company.</FONT></TD>
</TR>
</TABLE>
<BR>


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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(9)  </FONT></TD>
<TD WIDTH=95%><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>

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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(10)  </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Includes
 non-qualified  plan  matching  contributions  of $14,711  paid by the Company and stock
option  exercise  income of   $363,200.</FONT></TD>
</TR>
</TABLE>
<BR>


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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(11)  </FONT></TD>
<TD WIDTH=95%><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>

<BR><BR><BR>
<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2> 11</FONT></P>
<HR SIZE=1 NOSHADE>
<BR><BR><BR>

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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><B>OPTION GRANTS IN LAST
FISCAL YEAR</B> </FONT> </P>

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<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, 2003. 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="2" WIDTH="760">
<TR VALIGN=Bottom>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH COLSPAN="2" ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=1>Individual Grants</FONT></TH>

     <TH ALIGN="RIGHT"><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 ALIGN="CENTER"><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="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH colspan=2><FONT FACE="Times New Roman, Times, Serif" SIZE=1>Potential Realizable Value at<BR>
 </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=1>Number of<BR>
Securities<BR>
Underlying</FONT></TH>
     <TH ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=1>Percent of<BR>
Total Options/<BR>
SARs Granted</FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH colspan=2><FONT FACE="Times New Roman, Times, Serif" SIZE=1>Assumed Annual Rates of<BR>
Stock Price Appreciation<BR>
for Option Term (1)<BR>
 </FONT></TH>
     </TR>
<TR VALIGN=Bottom>
     <TH ALIGN="left"><FONT FACE="Times New Roman, Times, Serif" SIZE=1>Name</FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=1>
Options/ SARs<BR>
Granted</FONT></TH>
     <TH ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=1>
to Employees in<BR>
Fiscal Year</FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=1>Exercise Price<BR>
($ Per Share)</FONT></TH>
     <TH ALIGN="center"><FONT FACE="Times New Roman, Times, Serif" SIZE=1>Expiration<BR>  Date</FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=1> 5% ($)</FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=1>10% ($) </FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH ALIGN="left"><HR SIZE=2 NOSHADE color=black width=95%></TH>
     <TH><HR SIZE=2 NOSHADE color=black width=95%></TH>
     <TH ALIGN="CENTER"><HR SIZE=2 NOSHADE color=black width=95%></TH>
     <TH><HR SIZE=2 NOSHADE color=black width=95%></TH>
     <TH ALIGN="RIGHT"><HR SIZE=2 NOSHADE color=black width=95%></TH>
     <TH><HR SIZE=2 NOSHADE color=black width=95%></TH>
     <TH><HR SIZE=2 NOSHADE color=black width=95%></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="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>100,000&nbsp;</FONT></TD>
     <TD WIDTH="14%" ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>15.1%</FONT></TD>
     <TD WIDTH="14%" ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11.00</FONT></TD>
     <TD WIDTH="14%" ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>10/29/13</FONT></TD>
     <TD WIDTH="14%" ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$1,791,784&nbsp;</FONT></TD>
     <TD WIDTH="14%" ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$2,853,117&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Barry R. Barkley</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>100,000&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>15.1%</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11.00</FONT></TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>10/29/13</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$1,791,784&nbsp;</FONT></TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$2,853,117&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>J. Brandon Black</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>100,000&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>15.1%</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11.00</FONT></TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>10/29/13</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$1,791,784&nbsp;</FONT></TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$2,853,117&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Robin R. Pruitt</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>37,500&nbsp;</FONT></TD>
     <TD ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>5.7%</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.30</FONT></TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1/28/13</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;79,409&nbsp;</FONT></TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$&nbsp;&nbsp;&nbsp;126,445&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=RIGHT><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>5.7%</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.30</FONT></TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1/28/13</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;79,409&nbsp;</FONT></TD>
     <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$&nbsp;&nbsp;&nbsp;126,445&nbsp;</FONT></TD></TR>
</TABLE>




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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1)
These rates of appreciation  have been provided for  illustrative  purposes only. Such
rates do not represent  expected or forecasted appreciation.</font></p>


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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2> 12</FONT></P>
<HR SIZE=1 NOSHADE>



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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><B>AGGREGATED OPTION
EXERCISES IN LAST FISCAL YEAR AND <BR>FISCAL YEAR-END OPTIONS</B> </FONT> </P>

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<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
2003 with respect to the Named Executive Officers. </FONT></P>




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<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=1></FONT></TH>
     <TH colspan=2><FONT FACE="Times New Roman, Times, Serif" SIZE=1>Number of Securities</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=1></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=1>Shares<BR>
Acquired
On</FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=1>Value</FONT></TH>
     <TH colspan=2><FONT FACE="Times New Roman, Times, Serif" SIZE=1>Underlying Unexercised<BR>
Options/SARs at<BR>
Fiscal Year-End</FONT></TH>

     <TH colspan=2><FONT FACE="Times New Roman, Times, Serif" SIZE=1>Value of Unexercised<BR>
In-The-Money Options/<BR>
SARs at Fiscal Year-End<SUP>(2)</SUP></FONT></TH>
     </TR>
<TR VALIGN=top>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=1>Name</FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=1>
Exercise</FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=1>
Realized<SUP>(1)</SUP></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=1>Exercisable</FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=1>Unexercisable</FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=1>Exercisable</FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=1>Unexercisable</FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH><hr width=95% size=2 color=black noshade></TH>
     <TH><hr width=95% size=2 color=black noshade></TH>
     <TH><hr width=95% size=2 color=black noshade></TH>
     <TH><hr width=95% size=2 color=black noshade></TH>
<TH><hr width=95% size=2 color=black noshade></TH>
<TH><hr width=95% size=2 color=black noshade></TH>
<TH><hr width=95% size=2 color=black noshade></TH></tr>
<TR VALIGN=Bottom>
     <TD WIDTH=25% ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Carl C. Gregory, III</FONT></TD>
     <TD WIDTH=13% ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>225,000&nbsp;</FONT></TD>
     <TD WIDTH=13% ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$2,250,000&nbsp;</FONT></TD>
     <TD WIDTH=13% ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>33,334&nbsp;</FONT></TD>
     <TD WIDTH=13% ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>349,999&nbsp;</FONT></TD>
     <TD WIDTH=13% ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$136,669&nbsp;</FONT></TD>
     <TD WIDTH=10% ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$4,370,409&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=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>150,000&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$1,500,000&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>33,334&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>324,999&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$136,669&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$4,017,909&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=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>150,000&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$1,500,000&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>33,334&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>324,999&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$136,669&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$4,017,909&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=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&#150;&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>N/A&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>25,000&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>87,500&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$352,500&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$1,222,500&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>John R. Treiman</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>26,200&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$&nbsp;&nbsp;&nbsp;363,200&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>30,050&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>56,250&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$423,705&nbsp;</FONT></TD>
     <TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$&nbsp;&nbsp;&nbsp;781,875&nbsp;</FONT></TD></TR>
</TABLE>

<BR>


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




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<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>In
connection with a secondary public offering of the Company's  common stock in October
2003,  Messrs.  Gregory,  Barkley and          Black  exercised  options to buy 225,000,
 150,000 and 150,000 shares,  respectively,  and sold 107,756,  71,838,  and 71,838,
         respectively,  of the shares acquired on exercise to generate  sufficient cash
to pay the exercise price and withholding taxes          due upon exercise of the total
number of shares they acquired on exercise as indicated above. </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>(2) </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Options
are  considered  "in the money" if the fair market value of the  underlying  securities
 exceeds the exercise price of          the options.  These  values are based on the
 December  31, 2003 closing  price of the Common Stock of $15.10 per share on The
         Nasdaq Stock  Market,  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>





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<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>Employment Agreements and
Related Matters</B> </FONT> </P>

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<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
$662,000 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. </FONT> </P>

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<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>

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<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>

<BR><BR><BR>
<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>13 </FONT></P>
<HR SIZE=1 NOSHADE>
<BR><BR><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;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. The Board has approved increasing the aggregate number of shares available
for awards under the plan to 3,300,000, subject to stockholder approval at the annual
meeting. 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>

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<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>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&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 may match a percentage of employee
contributions. During 2003 the Company matched 25% of employee contributions.  </FONT></P>



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<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. The
Company may match a percentage of employee contributions at its discretion. During 2003
the Company matched 25% of employee contributions. </FONT> </P>

<!-- MARKER FORMAT-SHEET="Head Minor Center-TNR" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><B>REPORT OF THE
COMPENSATION COMMITTEE ON EXECUTIVE<BR> COMPENSATION</B> </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 program is administered by the Compensation
Committee of the Board of Directors. 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="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;<I>Overview.</I>
Incentive compensation arrangements are the cornerstone of the Compensation
Committee&#146;s executive compensation policies. The Company&#146;s
compensation philosophy is to establish and maintain compensation plans,
including base salaries, bonus plans and equity-based compensation plans, that
will attract and retain qualified executive officers and key employees necessary
for the continued successful operation and growth of the Company and ensure that
management is rewarded appropriately for its contributions to Company growth and
profitability in alignment with the Company&#146;s objectives and stockholder
interests. </FONT> </P>

<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>14 </FONT></P>
<HR SIZE=1 NOSHADE>

<!-- 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 in developing an
incentive compensation packages for the Company&#146;s executive officers. The
Compensation Committee strives to develop compensation packages for the Company&#146;s
executive officers that 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>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Base
Salary and Benefits</I>. The Company&#146;s philosophy is to pay base salaries that are
commensurate with the executive&#146;s experience and expertise, taking into account
competitive market data for executives with similar backgrounds, experience and expertise.
The factors considered by the Compensation Committee in making its evaluation and
determination regarding the appropriateness of base salary include an assessment of each
executive officer&#146;s contribution to the Company; the responsibilities and experience
of each executive officer; competitive market data, individual performance, and other
relevant information regarding base salary structures; the terms of any applicable
employment agreements; the detriment to the Company should the executive leave the
Company&#146;s employ; and recommendations of senior management. Ultimately, each
executive officer receives a base salary and benefits based on his or her
responsibilities, experience, and the Compensation Committee&#146;s assessment of his or
her contribution to the Company. The Compensation Committee reviews each executive
officer&#146;s base salary and benefits from time to time as it deems appropriate. </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>Annual
Incentive Bonuses</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. The factors the Compensation Committee may consider in making its evaluation
and determination regarding the appropriateness of providing for, and making payments to
the executive officers and key employees under, any bonus plan include corporate
performance against targeted operating measures; performance and payment criteria
specified in any applicable bonus plan; quantifiable individual performance and the
Compensation Committee&#146;s evaluation of each officer&#146;s contribution, taking into
account the recommendations of the CEO; and the availability of, and level of
participation in, the Company&#146;s deferred compensation plans. In addition, where
appropriate, the Company may pay discretionary bonuses to certain executives. Bonuses paid
to the Named Executive Officers for the year ended December 31, 2003 are shown in the
Executive Compensation Summary above, and take into account the fact that the Company
exceeded both the revenue and earnings targets for the year. </FONT> </P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Stock-Based
Compensation Incentives</I>. The third component of the Company&#146;s executive compensation
package is stock-based compensation incentives, traditionally non-qualified stock options.
Stock options granted to the executive officers and key employees typically vest over a
three year period, though certain options granted to the Company&#146;s CEO, CFO and COO
vest five years from the date of grant or, if earlier, upon the occurrence of certain
events. </FONT> </P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Compensation Committee periodically considers grants of options to the Company&#146;s
executive officers and key employees to more closely align the interests of the
Company&#146;s executive officers and key employees with the long-term interests of the
Company and its stockholders. In considering stock option awards, the Compensation
Committee considers issues of employee retention, taking into account the recipients&#146;
compensation packages, responsibilities and performance, the Company&#146;s performance,
future corporate initiatives, the exercise price of options to be awarded and prior option
grants. </FONT></P>

<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2> 15</FONT></P>
<HR SIZE=1 NOSHADE>


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<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Compensation
of Chief Executive Officer</I>. 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 $385,875 per year. On March 12,
2004, Mr. Gregory was paid a bonus of $521,115 pursuant to the Company&#146;s performance
based incentive plan. Mr. Gregory received a stock option grant on October 29, 2003, to
purchase 100,000 shares of the Company&#146;s stock at an exercise price of $11.00 per
share. </FONT> </P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Compliance
with Internal Revenue Code Section 162(m)</I>. Section 162(m) of the Internal Revenue Code
limits the deductibility of executive compensation paid by publicly-held corporations to
$1 million for each executive officer named in this proxy statement. The $1 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
2003 fiscal year did not exceed the $1 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,
though we cannot assure you that the Internal Revenue Service would reach the same
conclusion. Though the Compensation Committee does not currently anticipate any
restrictions on the future deductibility of compensation for the Company&#146;s officers,
it will not necessarily limit executive compensation to that deductible under Section
162(m). </FONT> </P>



<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM">
     <Td><FONT SIZE="2"></FONT></Td>
     <Td><FONT SIZE="2">Peter W. May, Chairman<BR>
Alexander Lemond<BR>
Nelson Peltz<BR>
Robert M. Whyte</FONT></Td></TR>
<TR VALIGN="TOP">
     <TD WIDTH="65%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD WIDTH="35%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD></TR>
</TABLE>



<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>Compensation Committee
Interlocks and Insider Participation</B> </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;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 2003. </FONT></P>

<BR><BR><BR>
<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>16 </FONT></P>
<HR SIZE=1 NOSHADE>
<BR><BR><BR>

<!-- MARKER FORMAT-SHEET="Head Minor Center-TNR" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><B>STOCK PRICE PERFORMANCE
GRAPH</B> </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
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
December 31, 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>

<IMG SRC="graph.gif" HEIGHT="1188" WIDTH="918" 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>17 </FONT></P>
<HR SIZE=1 NOSHADE>

<!-- MARKER FORMAT-SHEET="Head Minor Center-TNR" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><B>CERTAIN RELATIONSHIPS
AND RELATED TRANSACTIONS</B> </FONT> </P>

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

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<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, director and stockholder of the Company; the Chandler Family
Limited Partnership, an affiliate of Frank Chandler; Triarc, a current stockholder 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. 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>

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<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B><I>Guarantees of Senior Notes</I></B> </FONT> </P>

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<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 March 12, 2004, Triarc
beneficially owns approximately 9.1% 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 secondary public offering of the Company&#146;s
common stock. </FONT></P>

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<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B><I>Preferred Stock</I></B> </FONT> </P>

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<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 and accrued interest. 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>

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<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 have
increased 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>
<BR><BR>
<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>18 </FONT></P>
<HR SIZE=1 NOSHADE>


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<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 secondary 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>

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<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B><I>Public Offering</I></B> </FONT> </P>

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<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 paid on behalf of the Company and the selling
stockholders were approximately $890,000. </FONT></P>

<BR><BR><BR>
<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>19</FONT></P>
<HR SIZE=1 NOSHADE>
<BR><BR><BR>

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>SECURITY OWNERSHIP OF
PRINCIPAL STOCKHOLDERS AND <BR>MANAGEMENT  </FONT></H1>

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<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 March 12, 2004, 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 22,039,278 shares of the Company&#146;s common stock outstanding on March 12,
2004. </FONT></P>

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<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="2" WIDTH="760" align=center>
<TR VALIGN=Bottom>
     <TH COLSPAN=3 align=left><FONT FACE="Times New Roman, Times, Serif" SIZE=1>Name &amp; Address of Beneficial Owner</FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1>Number of shares of<BR>
common stock<BR>
beneficially<BR>
owned(1)</FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1>Percentage of<BR>
Common Stock<BR>
beneficially<BR>
owned</FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><hr noshade size=1 color=black></TH>
     <TH COLSPAN=3><hr noshade size=1 color=black></TH>
     <TH COLSPAN=3><hr noshade size=1 color=black></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TD WIDTH="64%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Consolidated Press International Holdings Limited (2)</FONT></TD>
     <TD WIDTH="1%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD WIDTH="3%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD WIDTH="1%" ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD WIDTH="11%" ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>4,920,705</FONT></TD>
        <TD WIDTH="4%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD WIDTH="1%" ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD WIDTH="11%" ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>22.3</FONT></TD>
        <TD WIDTH="4%" 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>54-58 Park Street, Sydney</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></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>NSW 2000, Australia</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></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>

<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Nelson Peltz (3)</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;</FONT></TD><TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>4,082,163</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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>18.5</FONT></TD>
        <TD 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>c/o Triarc Companies, Inc.</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></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>280 Park Avenue</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></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>New York, NY 10017</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></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>

<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Peter W. May (4)</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;</FONT></TD><TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2,977,453</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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>13.5</FONT></TD>
        <TD 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>c/o Triarc Companies, Inc.</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></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>280 Park Avenue</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></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>New York, NY 10017</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></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>

<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Triarc Companies, Inc. (5)</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;</FONT></TD><TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2,002,865</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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9.1</FONT></TD>
        <TD 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>280 Park Avenue</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></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>New York, NY 10017</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></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
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     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>DWG Acquisition Group, L.P. (6)</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;</FONT></TD><TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2,002,865</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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>9.1</FONT></TD>
        <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>%</FONT></TD></TR>
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     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>c/o Triarc Companies, Inc.</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></TR>
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     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>280 Park Avenue</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></TR>
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     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>New York, NY 10017</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></TR>
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     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Madison West Associates Corp. (7)</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;</FONT></TD><TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1,901,590</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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>8.6</FONT></TD>
        <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>%</FONT></TD></TR>
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     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>c/o Triarc Companies, Inc.</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></TR>
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     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>280 Park Avenue</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></TR>
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     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>New York, NY 10017</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></TR>

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     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Neale M. Albert (8)</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;</FONT></TD><TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1,540,898</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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>7.0</FONT></TD>
        <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>%</FONT></TD></TR>
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     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>c/o Paul, Weiss, Rifkind, Wharton &amp; Garrison</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></TR>
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     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1285 Avenue of the Americas</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></TR>
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     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>New York, NY 10019</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></TR>

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     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Wasatch Advisors</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;</FONT></TD><TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1,397,386</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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>6.3</FONT></TD>
        <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>%</FONT></TD></TR>
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     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>150 Social Hall Avenue</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></TR>
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     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Salt Lake City, UT 84111</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></TR>
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     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Eric D. Kogan (9)</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;</FONT></TD><TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>218,411</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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.0</FONT></TD>
        <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>%</FONT></TD></TR>

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     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Raymond Fleming</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;</FONT></TD><TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&#150;</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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>*</FONT></TD>
        <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
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     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Richard A. Mandell (10)</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;</FONT></TD><TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>20,001</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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>*</FONT></TD>
        <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
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     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Robert M. Whyte (11)</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;</FONT></TD><TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1,100,897</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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>5.0</FONT></TD>
        <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>%</FONT></TD></TR>
</TABLE>
<BR><BR><BR>


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<TABLE CELLPADDING="0" CELLSPACING="2" WIDTH="760" align=center>
<TR VALIGN=Bottom>
     <TH COLSPAN=3 align=left><FONT FACE="Times New Roman, Times, Serif" SIZE=1>Name &amp; Address of Beneficial Owner</FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1>Number of shares of<BR>
common stock<BR>
beneficially<BR>
owned(1)</FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1>Percentage of<BR>
Common Stock<BR>
beneficially<BR>
owned</FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><hr noshade size=1 color=black></TH>
     <TH COLSPAN=3><hr noshade size=1 color=black></TH>
     <TH COLSPAN=3><hr noshade size=1 color=black></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TD WIDTH="64%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Alexander Lemond</FONT></TD>
     <TD WIDTH="1%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD WIDTH="2%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD WIDTH="1%" ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD WIDTH="11%" ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>76,896</FONT></TD>
        <TD WIDTH="4%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD WIDTH="2%" ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD WIDTH="11%" ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>*</FONT></TD>
        <TD WIDTH="4%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>

<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Neville J. Katz</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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>44,000</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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>*</FONT></TD>
        <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>

<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Carl C. Gregory, III (12)</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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>225,478</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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.0</FONT></TD>
        <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>

<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Barry R. Barkley (13)</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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>142,996</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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>*</FONT></TD>
        <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></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>&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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>95,915</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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>*</FONT></TD>
        <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>

<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Robin R. Pruitt (10)</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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>37,500</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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>*</FONT></TD>
        <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>

<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>John R. Treiman (10)</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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>57,500</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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>*</FONT></TD>
        <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>

<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>All directors and executive officers of the Company as a group</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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>5,090,147</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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>22.7</FONT></TD>
        <TD 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>(15 persons) (14)</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></TR>
</TABLE>
<BR>
<HR SIZE=1 NOSHADE align=left width=10%>

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<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>Less
than one percent. </FONT></TD>
</TR>
</TABLE>
<BR>



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<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>The
numbers and  percentages  shown include the shares of Common Stock actually  beneficially
 owned as of March 12, 2004, and       the  shares of Common  Stock  that the person or
group had the right to acquire  within 60 days of such  date.  The  numbers  and
      percentages  shown for  Messrs.  Gregory,  Barkley,  Black and  Treiman  include
 options  that  will  vest on May 23,  2004.  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 March 12,  2004 (or on May 23,  2004 for  certain
 options),  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>

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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(2) </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>According
to Amendment No. 8 to Schedule 13D filed on October 22, 2003 by Consolidated  Press
 International  Holdings Limited       ("CPIHL") and C. P. International  Investments
Limited ("CPII") 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,  by Amendment  No. 6 dated August 29, 2003,  and by
Amendment No. 7 to Schedule 13D filed on September 29,       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>

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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(3) </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>According
to Amendment  No. 5 to Schedule 13D filed on October 23, 2003 by Madison West  Associates
 Corp.  ("Madison  West"),       Triarc  Companies,  Inc.  ("Triarc"),  Nelson Peltz,
 Peter W. May, Neale M. Albert and DWG Acquisition  Group,  L.P.  ("DWG") 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,  by  Amendment  No. 3
dated       September 30, 2003 and by Amendment No. 4 to Schedule 13D filed on October 9,
2003 (as so supplemented and amended,  the "Madison       West 13D"),  Mr. Peltz is a
co-trustee of the Nelson Peltz  Children's  Trust (the "NP Trust") and a general partner
of the Peltz       Family Limited  Partnership (the "Peltz LP") 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 (5) below). As a       result,  pursuant to Rule
13d-3 of the  Securities  Exchange  Act of 1934 ("Rule  13d-3"),  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  18.5% of the Company's  outstanding  shares of Common Stock.  Mr. Peltz
 disclaims       beneficial ownership of such shares. </FONT></TD>
</TR>
</TABLE>
<BR>

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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(4) </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>According
 to the Madison West 13D, 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
      Jonathan  P. May 1998 Trust (the "JM  Trust") and the 479,794  shares of Common
 Stock  directly  owned by the Leslie A. May 1998       Trust (the "LM Trust")  (see note
(8) below).  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 (5) below).  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 13.5% of
the Company'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>
<BR><BR><BR>
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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2> 21</FONT></P>
<HR SIZE=1 NOSHADE>
<BR><BR><BR>


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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(5) </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>According
to the Madison West 13D, 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  9.1% of the Company'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>

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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(6) </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>According
 to the Madison  West 13D, 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 (5) 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  9.1% of the Company's
      outstanding shares of Common Stock.  DWG disclaims beneficial ownership of such
shares. </FONT></TD>
</TR>
</TABLE>
<BR>

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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(7) </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>According
 to the Madison West 13D,  Madison West may be deemed the  beneficial  owner of
 1,901,590  shares of Common  Stock,       which constitute  approximately 8.6% of the
Company'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>

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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(8) </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>According
 to the Madison West 13D, Mr.  Albert is a  co-trustee  of each of the NP Trust,  the JM
Trust and the LM Trust (see       note (4) above),  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  7.0%       of the Company's
outstanding shares of Common Stock.  Mr. Albert disclaims beneficial ownership of such
shares. </FONT></TD>
</TR>
</TABLE>
<BR>

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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(9) </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Consists
of 210,077 shares held directly and 8,334 shares issuable upon exercise of vested stock
options. </FONT></TD>
</TR>
</TABLE>
<BR>

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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(10) </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>These
shares are issuable upon exercise of vested stock options. </FONT></TD>
</TR>
</TABLE>
<BR>

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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(11) </FONT></TD>
<TD WIDTH=95%><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  5.0% of
the       Company's outstanding shares of Common Stock. </FONT></TD>
</TR>
</TABLE>
<BR>

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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(12) </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Consists
 of 117,044  shares held by Mr.  Gregory as trustee of a trust for his  benefit,  100
shares  held by a daughter  who       shares Mr. Gregory's household, and 108,334 shares
issuable upon vested stock options. </FONT></TD>
</TR>
</TABLE>
<BR>

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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(13) </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Consists
of 59,662  shares held by Mr.  Barkley as trustee of a trust for his benefit and 83,334
 shares  issuable upon vested       stock options. </FONT></TD>
</TR>
</TABLE>
<BR>

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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(14) </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Excludes
the 2,002,865 shares beneficially owned by Triarc. See note (5) above. </FONT></TD>
</TR>
</TABLE>
<BR>

<BR><BR><BR>

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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>22 </FONT></P>
<HR SIZE=1 NOSHADE>
<BR><BR><BR>


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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>SECURITIES AUTHORIZED
FOR ISSUANCE UNDER <BR>EQUITY COMPENSATION
PLANS  </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, 2003. This table does not include the additional shares that would be
reserved for issuance under the 1999 Equity Participation Plan if stockholders approve the
proposal to amend that plan, which is described under &#145;Proposal No. 2&#146; below. </FONT></P>




<TABLE CELLPADDING=0 CELLSPACING=2 BORDER=0 WIDTH=760>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1>Plan category</FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1>Number of securities to<BR>
be issued upon exercise<BR>
of outstanding options,<BR>
warrants and rights</FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1>Weighted-average<BR>
exercise price of<BR>
outstanding options,<BR>
warrants and rights</FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1>Number of securities<BR>
remaining available for<BR>
future issuance under equity<BR>
compensation plans (excluding<BR>
securities reflected in<BR>
column (a))</FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><hr size=1 width=95% align=left noshade color=black></TH>
     <TH COLSPAN=3><hr size=1 width=95% align=center noshade color=black></TH>
     <TH COLSPAN=3><hr size=1 width=95% align=center noshade color=black></TH>
     <TH COLSPAN=3><hr size=1 width=95% align=center noshade color=black></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=top>
     <TD WIDTH=42% ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD WIDTH=1% ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD WIDTH=4% ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD WIDTH=1% ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD WIDTH=15% ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>(a)</B> </FONT></TD>
        <TD WIDTH=5% ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD WIDTH=1% ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD WIDTH=8% ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>(b)</B> </FONT></TD>
        <TD WIDTH=5% ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD WIDTH=1% ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD WIDTH=15% ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>(c)</B> </FONT></TD>
        <TD WIDTH=2% 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><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></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>plans approved by</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;</FONT></TD><TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1,746,464</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>$</FONT></TD><TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2> 2.75</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;</FONT></TD><TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>218,667</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>security holders</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></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>

<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Equity compensation</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></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>plans not approved by</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;</FONT></TD><TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&#150;</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;</FONT></TD><TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&#150;</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;</FONT></TD><TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&#150;</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>security holders</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></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=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;</FONT></TD><TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1,746,464</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>$</FONT></TD><TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2> 2.75</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;</FONT></TD><TD ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>218,667</FONT></TD>
        <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
</TABLE>

<BR><BR>




<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>Section 16(a) Beneficial
Ownership Reporting Compliance</B> </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;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 SEC. 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, 2003 or written representations by the
reporting persons, the Company reports the following inadvertent late filings, each of
which was corrected promptly after discovery of the failure to file: </FONT></P>




<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="1" WIDTH="760">
<TR VALIGN=top>
     <Td align=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Reporting Person</FONT></Td>
     <Td WIDTH="25%" ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>No. of Late Reports</FONT></Td>
     <Td WIDTH="25%" ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>No. Transactions Not Timely<BR>
Reported</FONT></Td>
     <Td WIDTH="25%" ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Known failures to<BR>
file</FONT></Td></TR>
<TR VALIGN=Bottom>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH WIDTH="25%" ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH WIDTH="25%" ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH WIDTH="25%" ALIGN="CENTER"><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 WIDTH="25%" ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH WIDTH="25%" ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH WIDTH="25%" ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR>
     <TD ALIGN="RIGHT" WIDTH="25%"></TD>
     <TD ALIGN="CENTER" WIDTH="25%"></TD>
     <TD ALIGN="CENTER" WIDTH="25%"></TD>
     <TD ALIGN="CENTER" WIDTH="25%"></TD></TR>
<TR>
     <TD ALIGN="RIGHT"></TD>
     <TD ALIGN="CENTER" WIDTH="25%"></TD>
     <TD ALIGN="CENTER" WIDTH="25%"></TD>
     <TD ALIGN="CENTER" WIDTH="25%"></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Eric D. Kogan</FONT></TD>
     <TD ALIGN="CENTER" WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1&nbsp;</FONT></TD>
     <TD ALIGN="CENTER" WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1&nbsp;</FONT></TD>
     <TD ALIGN="CENTER" WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>0&nbsp;</FONT></TD></TR>
<TR>
     <TD ALIGN="RIGHT"></TD>
     <TD ALIGN="CENTER" WIDTH="25%"></TD>
     <TD ALIGN="CENTER" WIDTH="25%"></TD>
     <TD ALIGN="CENTER" WIDTH="25%"></TD></TR>
<TR>
     <TD ALIGN="RIGHT"></TD>
     <TD ALIGN="CENTER" WIDTH="25%"></TD>
     <TD ALIGN="CENTER" WIDTH="25%"></TD>
     <TD ALIGN="CENTER" WIDTH="25%"></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Alexander Lemond</FONT></TD>
     <TD ALIGN="CENTER" WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1&nbsp;</FONT></TD>
     <TD ALIGN="CENTER" WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1&nbsp;</FONT></TD>
     <TD ALIGN="CENTER" WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>0&nbsp;</FONT></TD></TR>
<TR>
     <TD ALIGN="RIGHT"></TD>
     <TD ALIGN="CENTER" WIDTH="25%"></TD>
     <TD ALIGN="CENTER" WIDTH="25%"></TD>
     <TD ALIGN="CENTER" WIDTH="25%"></TD></TR>
<TR>
     <TD ALIGN="RIGHT"></TD>
     <TD ALIGN="CENTER" WIDTH="25%"></TD>
     <TD ALIGN="CENTER" WIDTH="25%"></TD>
     <TD ALIGN="CENTER" WIDTH="25%"></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" WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1&nbsp;</FONT></TD>
     <TD ALIGN="CENTER" WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1&nbsp;</FONT></TD>
     <TD ALIGN="CENTER" WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>0&nbsp;</FONT></TD></TR>
<TR>
     <TD ALIGN="RIGHT"></TD>
     <TD ALIGN="CENTER" WIDTH="25%"></TD>
     <TD ALIGN="CENTER" WIDTH="25%"></TD>
     <TD ALIGN="CENTER" WIDTH="25%"></TD></TR>
<TR>
     <TD ALIGN="RIGHT"></TD>
     <TD ALIGN="CENTER" WIDTH="25%"></TD>
     <TD ALIGN="CENTER" WIDTH="25%"></TD>
     <TD ALIGN="CENTER" WIDTH="25%"></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" WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1&nbsp;</FONT></TD>
     <TD ALIGN="CENTER" WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1&nbsp;</FONT></TD>
     <TD ALIGN="CENTER" WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>0&nbsp;</FONT></TD></TR>
<TR>
     <TD ALIGN="RIGHT"></TD>
     <TD ALIGN="CENTER" WIDTH="25%"></TD>
     <TD ALIGN="CENTER" WIDTH="25%"></TD>
     <TD ALIGN="CENTER" WIDTH="25%"></TD></TR>
<TR>
     <TD ALIGN="RIGHT"></TD>
     <TD ALIGN="CENTER" WIDTH="25%"></TD>
     <TD ALIGN="CENTER" WIDTH="25%"></TD>
     <TD ALIGN="CENTER" WIDTH="25%"></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>John Treiman</FONT></TD>
     <TD ALIGN="CENTER" WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1&nbsp;</FONT></TD>
     <TD ALIGN="CENTER" WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1&nbsp;</FONT></TD>
     <TD ALIGN="CENTER" WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>0&nbsp;</FONT></TD></TR>
<TR>
     <TD ALIGN="RIGHT"></TD>
     <TD ALIGN="CENTER" WIDTH="25%"></TD>
     <TD ALIGN="CENTER" WIDTH="25%"></TD>
     <TD ALIGN="CENTER" WIDTH="25%"></TD></TR>
</TABLE>

<BR><BR><BR><BR>


<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>23 </FONT></P>
<HR SIZE=1 NOSHADE>
<BR><BR><BR>


<!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>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 II 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, each of whom has been determined by the Board to be independent directors,
as independence is defined by the listing standards of The NASDAQ Stock Market. BDO
Seidman, LLP, the Company&#146;s independent auditors, have unrestricted access to the
Audit Committee. The Audit Committee may invite other board members to attend audit
committee meetings based upon their expertise, familiarity with the company and its
industry and other factors. It is anticipated that Mr. Lemond, a director and former
member of the Audit Committee whom the Board determined does not meet the independence
standards applicable to Audit Committee members, will attend Audit Committee meetings
consistent with this practice. </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, 2003 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="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 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, 2003. </FONT></P>


<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM">
     <TH></TH>
     <TH></TH>
     <TH></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="34%"></TD>
     <TD WIDTH="33%"></TD>
     <TD WIDTH="33%" align=left><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Richard A. Mandell, Chairman</font><BR>
<FONT FACE="Times New Roman, Times, Serif" SIZE="2">Neville J. Katz</font><BR>
<FONT FACE="Times New Roman, Times, Serif" SIZE="2">Eric D. Kogan</font></TD></TR>
</TABLE>

<BR><BR><BR>
<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2> 24</FONT></P>
<HR SIZE=1 NOSHADE>
<BR><BR><BR>


<!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Approval of Amendment
to Encore Capital Group, Inc. 1999 Equity Participation Plan to Increase<BR> Shares Available
Under the Plan<BR> (Proposal No. 2) </FONT></H1>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B><I>Introduction</I></B> </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
1999, as a part of the Company&#146;s ongoing program to provide senior management with
incentives linked to corporate performance, the Board approved the 1999 Equity
Participation Plan (the &#147;Plan&#148;). 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;In
keeping with the Company&#146;s goals to attract and retain top management, and to provide
an incentive to management to enhance stockholder value, the Board believes it is
appropriate to amend the Plan, subject to approval of the Company&#146;s stockholders, to
increase the number of shares of Common Stock available for grant under the Plan from
2,600,000 to 3,300,000. </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B><I>Brief Description of the
Plan</I></B> </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
following brief description of the Plan does not purport to be complete, and is subject to
and qualified in its entirety to the text of the Plan, which is attached hereto as
Appendix I. </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B><I>Eligibility</I></B> </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
following persons are eligible to be granted options to purchase Common Stock under the
Plan (&#147;Optionee&#148; or &#147;Optionees&#148;): (a) officers, directors, and
employees of the Company and its subsidiaries and affiliates; and (b) key consultants to
the Company and its subsidiaries and affiliates. </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B><I>Administration</I></B> </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 (the &#147;Board&#148;) 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="Head Left-TNR" FSL="Project" -->
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B><I>Available Securities</I></B> </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
Proposal No. 2 is approved, the aggregate number of shares available under the Plan will
increase from 2,600,000 to 3,300,000 shares of Common Stock available under the Plan. The
Company will not grant any employee options that relate to more than 500,000 shares of
stock during any fiscal year of the Company. Stock subject to an option that terminates or
expires without being exercised will again be available for grant under the Plan. </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B><I>Exercise Price of Options</I></B> </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
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 one share on the date of grant. As of
March 12, 2004, the closing price of the Common Stock was $16.00 as reported on The Nasdaq
Stock Market. </FONT></P>


<BR><BR><BR>
<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>25 </FONT></P>
<HR SIZE=1 NOSHADE>
<BR><BR><BR>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B><I>Termination of Options</I></B> </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;Except
as otherwise determined by the Board, an option will automatically terminate without
notice at the earliest to occur of the following: (a) 10 years after the date of the
grant, (b) any earlier lapse date or event occurrence as stated in the option agreement,
(c) termination of employment by, or services to, the Company and its subsidiaries if such
termination is for cause or a result of the Optionee&#146;s breach of the employment or
consulting agreement with the Company or any of its subsidiaries, as determined by the
Board, (d) one year after termination of employment due to death or disability and (e) 90
days after termination of employment for any other reason. Such determination by the Board
will be final and conclusive. Except as otherwise determined by the Board, persons who
receive options through will or descent may exercise their options no later than one year
after the Optionee&#146;s date of death. </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B><I>Tax Implications</I></B> </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;For
federal taxation purposes, there is no recognition of taxable income upon the grant of an
option. Upon exercise of an option, the Optionee realizes ordinary income in an amount
equal to the excess of the fair market value of the stock on the date of exercise over the
exercise price, and the Company is entitled to take a deduction for the same amount. Upon
disposition of shares, the stockholder realizes capital gain income if the amount realized
on the sale exceeds the stockholder&#146;s basis in the shares. A capital loss is realized
if the basis in the shares exceeds the amount realized. Basis is equal to the exercise
price plus any income included as a result of exercising the option. There is no tax
impact on the Company upon a stockholder&#146;s disposition of shares. </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;When
exercising an option, the Optionee must remit to the Company an amount sufficient to
satisfy federal, state, and local taxes required by law to be withheld with respect to any
taxable event arising as a result of the Plan. The Board may allow the tax withholding
requirement to be satisfied by accepting from the Optionee unrestricted shares of the
Company having a fair market value equivalent to the amount to be withheld or by
withholding shares of stock from the shares issuable on exercise of the option. </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="Head Left-TNR" FSL="Project" -->
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B><I>Assignment of Option
Rights</I></B> </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
provided in the option agreement, option rights may be transferred: (a) pursuant to a
domestic relations order; (b) to the Optionee&#146;s immediate family (as defined in
applicable California securities regulations); (c) to a partnership or limited liability
company, the partners or members of which are limited to the Optionee or his or her
immediate family, provided that such transfer is exempt from registration under applicable
securities laws; or (d) to any other person or entity authorized by the Board, provided
that such transfer is exempt from registration under applicable securities laws
(collectively, &#147;Permitted Transferees&#148;). Otherwise, option rights may only be
assigned or transferred by will or descent, by instrument to a trust in which the option
is to be passed to a beneficiary upon death, or by gift to a member of the Optionee&#146;s
immediate family (as defined in applicable California securities regulations). </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;Optionees
must give the Board advance written notice describing the terms and conditions of a
proposed transfer and must receive written notice from the Board that the transfer
complies with the Plan. Optionees remain liable for any required withholding taxes when
the Permitted Transferee exercises the option. </FONT></P>

<BR><BR><BR>
<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2> 26</FONT></P>
<HR SIZE=1 NOSHADE>
<BR><BR><BR>


<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B><I>Modification or
Termination of the Plan</I></B> </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 must obtain stockholder approval prior to modifying or terminating the Plan if such
approval is required to comply with any tax or regulatory requirement. No modification or
termination will adversely affect in any material way any option previously granted under
the Plan, without the Optionee&#146;s written consent. </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B><I>Use of Funds</I></B> </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;Funds
received from the exercise of options are added to the Company&#146;s general funds and
used for working capital purposes. </FONT></P>

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

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We
intend to register the additional shares of stock available for issuance under a
Registration Statement on Form S-8 to be filed with the SEC as soon as practicable after
approval of the amendment to the Plan. </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B><I>New Plan Benefits</I></B> </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;Because
awards of options under the Plan are made in the sole discretion of the Compensation
Committee, it cannot be determined at this time what benefits or amounts, if any, will be
received by or allocated to any person or group of persons under the Plan as a result of
any increase in the number of shares of Common Stock available for grant under the Plan.
Stock options that were granted to certain executive officers under the Plan in the
previous fiscal year are reported in the table entitled Option Grants in Last Fiscal Year
on page 12. </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B><I>Required Vote</I></B> </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;Approval
of Proposal No. 2 requires the affirmative vote of a majority of the voting power present
(in person or by proxy) and entitled to vote at the meeting. If Proposal No. 2 is
approved, the amendment will become effective as of the date of the vote. </FONT></P>

<BR>
<TABLE WIDTH="760" BORDER="2" CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER">
<TR bgcolor=silver VALIGN="BOTTOM">
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2">The Board of Directors recommends a vote <U>FOR </U>the approval of the amendment to the Plan to <BR>
increase the number of shares available under the Plan from 2,600,000 to 3,300,000.</FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="100%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD></TR>
</TABLE>
<BR><BR><BR>

<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2> 27</FONT></P>
<HR SIZE=1 NOSHADE>
<BR><BR><BR>


<!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>RATIFICATION OF
SELECTION OF INDEPENDENT AUDITORS  </FONT><BR><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(Proposal No. 3) </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, 2004, 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>


<BR><BR>

<TABLE WIDTH="760" BORDER="2" CELLPADDING="0" CELLSPACING="0" align=center>
<TR bgcolor=silver VALIGN="BOTTOM">
     <TH><FONT SIZE="2">The Board of Directors recommends a vote <U>FOR </U>the ratification of the selection of BDO Seidman, LLP <BR>
as the Company's independent auditors for 2004. </FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="100%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD></TR>
</TABLE>






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

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant
to SEC Rule&nbsp;14a-8, &#147;Shareholder Proposals,&#148; stockholder proposals for the
2005 annual meeting must be received at the principal executive offices of the Company by
November 30, 2004, to be considered for inclusion in the Company&#146;s proxy materials
relating to such meeting. </FONT></P>




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<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
2005 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 between January 7, 2005 and February 6, 2005; 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>

<BR><BR><BR>

<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2> 28</FONT></P>
<HR SIZE=1 NOSHADE>
<BR><BR><BR>


<!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>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,
LLP&#146;s audit of the Company&#146;s consolidated financial statements and records for
the fiscal year ended December 31, 2003. </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B><I>Audit and Non-Audit Fees</I></B> </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;We
incurred the following fees payable to BDO Seidman, LLP for services provided in 2003 and
2002, including those attributable to the audit of our 2003 and 2002 consolidated
financial statements: </FONT></P>






<TABLE CELLPADDING="0" CELLSPACING="2" WIDTH="600">
<TR VALIGN=Bottom>
     <TH> </TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1>2003</FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1>2002</FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH> </TH>
     <TH COLSPAN=3></TH>
     <TH COLSPAN=3><hr size=1 noshade color=black width=95%></TH>
     <TH COLSPAN=3><hr size=1 noshade color=black width=95%></TH></TR>
<TR VALIGN=Bottom>
     <TH> </TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=6><FONT FACE="Times New Roman, Times, Serif" SIZE=1>(Amounts in thousands)</FONT></TH>
     </TR>
<TR VALIGN=Bottom>
     <TH> </TH>
     <TH COLSPAN=3></TH>
     <TH COLSPAN=3></TH>
     <TH COLSPAN=3></TH></TR>
<TR VALIGN=Bottom>
     <TH> </TH>
     <TH COLSPAN=3></TH>
     <TH COLSPAN=3></TH>
     <TH COLSPAN=3></TH></TR>

<TR VALIGN=Bottom>
     <TD WIDTH="10%"> </TD>
     <TD WIDTH="41%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Audit Fees</FONT></TD>
     <TD WIDTH="1%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD WIDTH="6%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD WIDTH="1%" ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$</FONT></TD><TD WIDTH="10%" ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2> 538</FONT></TD>
        <TD ALIGN="center" WIDTH="5%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(1)</FONT></TD>
     <TD WIDTH="1%" ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$</FONT></TD><TD WIDTH="10%" ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2> 304</FONT></TD>
        <TD WIDTH="5%" ALIGN="center"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(2)</FONT></TD>
     <TD WIDTH="10%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT> </TD>
</TR>
<TR VALIGN=Bottom>
     <TD> </TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Audit-Related Fees</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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>62</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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>228</FONT></TD>
        <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT> </TD>
</TR>
<TR VALIGN=Bottom>
     <TD> </TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Tax Fees</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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>60</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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>103</FONT></TD>
        <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT> </TD>
</TR>
<TR VALIGN=Bottom>
     <TD> </TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>All Other Fees</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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&#150;</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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&#150;</FONT></TD>
        <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT> </TD>
</TR>
</TABLE>
<BR>

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


<!-- 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>Includes
 $173,000  relating to the audit of the  Company's  2003  consolidated  financial
 statements  included in its Annual          Report on Form 10-K and $97,000  relating to
the reviews of the Company's 2003  quarterly  consolidated  financial  statements
         included in its  Quarterly  Reports on Form 10-Q.  Also  includes  $242,000  for
 services  provided in  conjunction  with the          Company's 2003 secondary public
offering on Form S-1. </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>(2) </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Includes
 $216,000  relating to the audit of the  Company's  2002  consolidated  financial
 statements  included in its Annual          Report on Form 10-K and $88,000  relating to
the reviews of the Company's 2002  quarterly  consolidated  financial  statements
         included in its Quarterly Reports on Form 10-Q. </FONT></TD>
</TR>
</TABLE>
<BR>
<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;We
incurred the following fees payable to Ernst &amp; Young, LLP for services provided in 2003
and 2002: </FONT></P>



<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="600">
<TR VALIGN=Bottom>
     <TH> </TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1>2003</FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1>2002</FONT></TH></TR>
<TR VALIGN=Bottom>
     <TH> </TH>
     <TH COLSPAN=3></TH>
     <TH COLSPAN=3><hr size=1 noshade color=black width=95%></TH>
     <TH COLSPAN=3><hr size=1 noshade color=black width=95%></TH></TR>
<TR VALIGN=Bottom>
     <TH> </TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=6><FONT FACE="Times New Roman, Times, Serif" SIZE=1>(Amounts in thousands)</FONT></TH>
     </TR>
<TR VALIGN=Bottom>
     <TH> </TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TD WIDTH="10%"> </TD>
     <TD WIDTH="41%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Audit Fees</FONT></TD>
     <TD WIDTH="1%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD WIDTH="6%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD WIDTH="1%" ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$</FONT></TD><TD WIDTH="10%" ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2> 50</FONT></TD>
        <TD WIDTH="5%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD WIDTH="1%" ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>$</FONT></TD><TD WIDTH="10%" ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>  7</FONT></TD>
        <TD WIDTH="5%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD WIDTH="10%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT> </TD>
</TR>
<TR VALIGN=Bottom>
     <TD> </TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Audit-Related Fees</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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>22</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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>19</FONT></TD>
        <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT> </TD>
</TR>
<TR VALIGN=Bottom>
     <TD> </TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Tax Fees</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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&#150;</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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&#150;</FONT></TD>
        <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT> </TD>
</TR>
<TR VALIGN=Bottom>
     <TD> </TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>All Other Fees</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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&#150;</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;</FONT></TD><TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>5</FONT></TD>
        <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT> </TD>
</TR>
</TABLE>

<BR><BR>


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


<BR><BR><BR>
<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>29 </FONT></P>
<HR SIZE=1 NOSHADE>
<BR><BR><BR>

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

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<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>

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<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B><I>Approval of Independent
Auditor Services and Fees</I></B> </FONT> </P>

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<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 24), 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>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Audit Committee has adopted a policy requiring pre-approval of all audit, review and
attest engagements and engagements for permitted non-audit services provided by the
independent auditor to the company and any of its affiliates. The Audit Committee may
pre-approve predictable and recurring services by category on an annual basis. The Audit
Committee may delegate pre-approval authority to one or more of its members if the
aggregate estimated fees for such services will not exceed $50,000 for any applicable
fiscal year. The member to whom such authority is delegated must report any pre-approval
granted to the Audit Committee at its next scheduled meeting. </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
accordance with applicable SEC regulations, permitted non-audit services may be performed
without pre-approval if: (1) the services were not recognized by the Company at the time
of engagement to be non-audit services, (2) the aggregate amount of fees for all such
services provided constitutes no more than 5% of the total amount of revenues paid by the
Company to the independent auditor during a fiscal year, (3) the services are promptly
brought to the attention of the Audit Committee, and (4) the approval is given prior to
the completion of the audit. The Chief Financial Officer is responsible for bringing to
the attention of the Audit Committee any such services that were not pre-approved because
they were not recognized by the Company at the time of engagement to be non-audit
services. </FONT></P>


<BR><BR><BR>
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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>30 </FONT></P>
<HR SIZE=1 NOSHADE>
<BR><BR><BR>


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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>OTHER MATTERS</B> </FONT> </P>

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<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>





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<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>
<BR>
<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Default" -->
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>March 30, 2004 </FONT></P>


<BR><BR><BR>
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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>31 </FONT></P>
<HR SIZE=1 NOSHADE>
<BR><BR><BR>



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<P ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>APPENDIX I</B> </FONT> </P>

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>ENCORE CAPITAL GROUP,
INC.  <BR>1999 EQUITY
PARTICIPATION PLAN </FONT></h1>

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Adopted Effective July
7, 1999  <BR>Initially Approved by
Stockholders June 21, 1999<BR> Amended and Restated
Effective September 10, 2002<BR> Amendments Approved by
Stockholders October 24, 2002 <BR>Further Amendments
Approved by Stockholders _____________, 2004 <BR>Termination Date June
20, 2009 </FONT></h1>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>1.&nbsp;&nbsp;&nbsp;&nbsp;
PURPOSE AND HISTORY OF PLAN</B> </FONT> </P>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Purpose of Plan. </B>The purpose of this 1999 Equity Participation Plan (the
&#147;Plan&#148;) of Encore Capital Group, Inc. (the &#147;Company&#148;) is to
promote the interests of the Company and its stockholders by (i) securing for
the Company and its stockholders the benefits of the additional incentive
inherent in owning stock of the Company by selected officers, directors, and
employees of, and consultants to, the Company and its subsidiaries and
affiliates, as defined in Section 4 (&#147;Eligible Participants&#148;), and who
are important to the success and growth of the business of the Company and its
subsidiaries, and (ii) assisting the Company to secure and retain the services
of such persons. Notwithstanding the foregoing, the term &#147;Eligible
Participants&#148; shall not include a non-natural person unless the grant of
Options to such non-natural person is registered or exempt from registration
under applicable securities laws. The Plan provides for granting such persons
options (&#147;Options&#148;) for the purchase of shares of the Company&#146;s
common stock, par value $0.01 per share (the &#147;Shares&#148;). </FONT> </P>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
History of the Plan. </B>The Plan was initially adopted to be effective July 7,
1999, and was approved by its stockholders on June 21, 1999. The original name
of the Plan was the MCM Capital Group, Inc. 1999 Equity Participation Plan. The
Plan was amended and restated effective as of September 10, 2002, and the
amended and restated Plan was approved by the stockholders of the Company on
October 24, 2002, to change the name of the Plan to match the name of the
Company, increase the share reserve of the Plan, to adopt changes required by
applicable state laws, and to adopt other desirable changes to the Plan. The
amendments set forth in the amended and restated Plan shall only apply to awards
of Options made after the amendment and restatement of the Plan. Options awarded
prior to the amendment and restatement of the Plan shall be subject to the terms
of the Plan in effect prior to such amendment and restatement except as
otherwise expressly provided by the Board or Committee. This document further
amends the Plan, subject to the approval of the stockholders of the Company, to
increase the share reserve of the Plan. </FONT> </P>

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<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>2.&nbsp;&nbsp;&nbsp;&nbsp; ADMINISTRATION</B> </FONT> </P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Plan shall be administered by the Board of Directors of the Company (&#147;Board&#148;) or
a committee or subcommittee of the Board as may be designated by the Board, upon the
affirmative vote of at least two-thirds of the directors then in office, to administer the
Plan (the &#147;Committee&#148;). If the Board appoints a Committee, the Committee will
consist of at least two individuals, each of whom qualifies as (i) a &#147;non-employee
director&#148; under Rule 16b-3 under the Securities Exchange Act of 1934, as amended
(&#147;1934 Act&#148;), and (ii) an &#147;outside director&#148; under Code Section 162(m)
of the Internal Revenue Code of 1986, as amended (&#147;Code&#148;) and the regulations
issued thereunder to the extent Rule 16b-3 and Code Section 162(m) apply to the Company
and the Plan; however, the fact that a Committee member shall fail to qualify under either
of the foregoing requirements shall not invalidate any award that is otherwise validly
made under the Plan. Reference to the Committee will refer to the Board if the Board does
not appoint a Committee. </FONT></P>

<BR><BR><BR>
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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2> </FONT></P>
<HR SIZE=1 NOSHADE>
<BR><BR><BR>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
members of the Committee may be changed at any time and from time to time in the
discretion of the Board. Subject to the limitations and conditions hereinafter set forth,
the Committee shall have authority to grant Options hereunder, to determine the number of
Shares for which each Option shall be granted and the Option price or prices and to
determine any conditions pertaining to the exercise or to the vesting of each Option. The
Committee shall have full power to construe and interpret the Plan and any Plan agreement
executed pursuant to the Plan to establish and amend rules for its administration, and to
establish in its discretion terms and conditions applicable to the exercise of Options.
The determination of the Committee on all matters relating to the Plan or any Plan
agreement shall be conclusive. No member of the Committee shall be liable for any action
or determination made in good faith with respect to the Plan or any award hereunder. </FONT></P>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>3.&nbsp;&nbsp;&nbsp;&nbsp;
SHARES SUBJECT TO THE PLAN</B> </FONT> </P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Shares to be transferred or sold pursuant to the exercise of Options granted under the
plan shall be authorized Shares, and may be issued Shares reacquired by the Company and
held in its treasury or may be authorized but unissued Shares. Subject to the provisions
of Section 11 hereof (relating to adjustments in the number and classes or series of
Shares to be delivered pursuant to the Plan), the maximum aggregate number of Shares to be
delivered on the exercise of Options shall be Three Million Three Hundred Thousand
(3,300,000).<SUP>1</SUP> <SUP>2 </SUP>Notwithstanding any provision in the Plan to the contrary, and subject to
the adjustment in Section 11, the maximum number of Shares with respect to one or more
Options that may be granted to any employee under the Plan during any fiscal year of the
Company is 500,000. </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
an Option expires or terminates for any reason during the term of the Plan and prior to
the exercise in full of such Option, the number of Shares previously subject to but not
delivered under such Option shall be available for the grant of Options thereafter. </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>4.&nbsp;&nbsp;&nbsp;&nbsp; ELIGIBILITY</B> </FONT> </P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Options
may be granted from time to time to selected Eligible Participants of the Company or any
subsidiary or affiliate, as defined in this Section 4. From time to time, the Committee
shall designate those Eligible Participants who will be granted Options and in connection
therewith, the number of Shares to be covered by each grant of Options. Persons granted
Options are referred to hereinafter as &#147;optionees.&#148; Nothing in the Plan or in
any grant of Options pursuant to the Plan, shall confer on any person any right to
continue in the employ of the Company or any of its subsidiaries or affiliates, nor in any
way interfere with the right of the Company or any of its subsidiaries or affiliates to
terminate the person&#146;s employment at any time. </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
term &#147;subsidiary&#148; shall mean, at the time of reference, any corporation
organized or acquired (other than the Company) in an unbroken chain of corporations
beginning with the Company if, at the time of reference, each of the corporations
(including the Company) other than the last corporation in the unbroken chain owns stock
possessing 50% or more of the total combined voting power of all classes of stock in one
of the other corporations in such chain. The term &#147;affiliate&#148; shall mean any
person or entity which, at the time of reference, directly, or indirectly through one or
more intermediaries, controls, is controlled by, or is under common control with, the
Company. </FONT></P>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>5.&nbsp;&nbsp;&nbsp;&nbsp;
CHARACTER OF OPTIONS</B> </FONT> </P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Options
granted hereunder shall not be incentive stock Options as such term is defined in Section
422 of the Code. Options granted hereunder shall be &#147;non-qualified&#148; stock
options subject to the provisions of Section 83 of the Code. </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
an Option granted under the Plan is exercised by an optionee, then, at the discretion of
the Committee, the optionee may receive a replacement or reload Option hereunder to
purchase a number of Shares equal to the number of Shares utilized to pay the exercise
price and/or withholding taxes in the Option exercise, with an exercise price equal to the
&#147;fair market value&#148; (as defined in Section 7 of the Plan) of a Share on the date
such replacement or reload Option is granted, and, unless the Committee determines
otherwise, with all other terms and conditions (including the date or dates of which the
Option shall become exercisable and the term of the Option) identical to the terms and
conditions of the Option with respect to which the reload Option is granted. </FONT></P>

<BR><BR>
<HR SIZE=1 NOSHADE width=15% align=left>

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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD align=right WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><SUP>1</SUP>  </FONT></TD>
<TD align=left WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The
September 10, 2002 amendment and restatement of the Plan increased the share reserve of
the Plan from 1,300,000 shares to 2,600,000 shares. The March 2, 2004 amendment of the
Plan further increased the share reserve of the Plan from 2,600,000 shares to 3,300,000
shares.  </FONT></TD>
</TR>
</TABLE>
<BR>

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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<TD align=right WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><SUP>2</SUP>  </FONT></TD>
<TD align=left WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>California
Department of Corporations Regulation section 260.140.45 requires two-thirds shareholder
approval if the total shares of stock issuable under the plan may exceed 30% of the total
outstanding shares on a fully converted basis.  </FONT></TD>
</TR>
</TABLE>
<BR>


<BR><BR><BR>
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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2> </FONT></P>
<HR SIZE=1 NOSHADE>
<BR><BR><BR>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>6.&nbsp;&nbsp;&nbsp;&nbsp;
STOCK OPTION AGREEMENT</B> </FONT> </P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
Option granted under the Plan shall be evidenced by a written stock option agreement,
which shall be executed by the Company and by the person whom the Option is granted. The
agreement shall contain such terms and provisions, not inconsistent with the Plan, as
shall be determined by the Board or the Committee in its sole discretion. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para (List) Flush Lv 0- TNR" FSL="Project" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>7.&nbsp;&nbsp;&nbsp;&nbsp;
OPTION EXERCISE PRICE</B> </FONT> </P>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Exercise Price Limits. </B>The exercise price per Share to be paid by the optionee
on the date an Option is exercised as determined by the Committee shall not be
less than eighty-five percent (85%) of the fair market value (as defined below)
of one Share on the date the Option is granted, provided, however, that the
price shall be one hundred ten percent (110%) of the fair market value (as
defined below) in the case of any person who owns Shares possessing more than
ten percent (10%) of the total combined voting power of all classes of the
capital stock of the Company or its parent or subsidiary corporations. In no
event shall the exercise price of any Share be less than its par value. </FONT> </P>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Fair Market Value. </B>For purposes of this Plan, the &#147;fair market value&#148;
as of any date in respect of any Shares shall mean the closing price per Share
on such date as determined as follows: </FONT> </P>

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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
<TD ALIGN=RIGHT WIDTH=5%></TD>
<TD WIDTH=95%><P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; If
the Shares are listed on any established stock exchange or traded on the Nasdaq
National Market or the Nasdaq SmallCap Market, the fair market value of a Share
shall be the closing sales price for such stock (or the closing bid, if no
sales were reported) as quoted on such exchange or market (or the exchange or
market with the greatest volume of trading in the Shares) on the last market
trading day prior to the day of determination, as reported in the <I>Wall Street
Journal </I>or such other source as the Committee deems reliable. </FONT> </P></TD>
</TR>
</TABLE>
<BR>

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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
<TD ALIGN=RIGHT WIDTH=5%></TD>
<TD WIDTH=95%><P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;          In
the absence of such markets for the Shares, the fair market value shall be
          determined in good faith by the Committee in its sole discretion which
          determination by the Committee shall be binding and conclusive.  </FONT></P></TD>
</TR>
</TABLE>
<BR>

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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
<TD ALIGN=RIGHT WIDTH=5%></TD>
<TD WIDTH=95%><P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;          To
the extent the Plan and the award of Options are subject to the requirements           of
section 25100 of the California Corporation Code, the value of a Share shall           be
determined in a manner consistent with Section 260.140.50 of Title 10 of the
          California Code of Regulations.  </FONT></P></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"><B>8.&nbsp;&nbsp;&nbsp;&nbsp;
OPTION TERM</B> </FONT> </P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
period after which Options granted under the Plan may not be exercised shall be determined
by the Committee with respect to each Option granted, but may not exceed ten years from
the date on which the Option is granted, subject to the third paragraph of Section 9
hereof. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para (List) Flush Lv 0- TNR" FSL="Project" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>9.&nbsp;&nbsp;&nbsp;&nbsp;
EXERCISE OF OPTIONS</B> </FONT> </P>

<!-- MARKER FORMAT-SHEET="Para (List) Indent Lv 0- TNR" FSL="Project" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Exercise of Options In General. </B>The time or times at which or during which
Options granted under the Plan may be exercised, and any conditions pertaining
to such exercise or to the vesting in the optionee of the right to exercise
Options, shall be determined by the Committee in its sole discretion. Subsequent
to the grant of an Option which is not immediately exercisable in full, the
Committee, at any time before complete termination of such Option, may
accelerate or extend the time or times at which such Option may be exercised in
whole or in part. </FONT> </P>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Vesting of Options. </B>Notwithstanding the foregoing, to the extent that the
following restrictions are required by the California Department of Corporation
for a permit or by section 260.140.41(f) of the Title 10 of the California Code
of Regulations at the time of the grant of the Option, then: (i) Options granted
to an employee who is not an officer, director or consultant of the Company,
shall provide for vesting of the total number of Shares subject to the Option at
a rate of at least twenty percent (20%) per year over five (5) years from the
date the Option was granted, subject to reasonable conditions including but not
limited to continued employment; and (ii) Options granted to officers, directors
or consultants may be made fully exercisable, subject to reasonable conditions
including but not limited to continued employment or service, at any time during
any period established by the Board or Committee. </FONT> </P>


<BR><BR><BR>
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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2> </FONT></P>
<HR SIZE=1 NOSHADE>
<BR><BR><BR>

<!-- MARKER FORMAT-SHEET="Para (List) Indent Lv 0- TNR" FSL="Project" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Termination of Options. </B>Except as otherwise determined by the Committee at the
time of grant or thereafter, the unexercised portion of any Option granted under
the Plan shall automatically and without notice terminate and become null and
void at the time of the earliest to occur of the following: </FONT> </P>

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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
<TD ALIGN=RIGHT WIDTH=5%></TD>
<TD WIDTH=95%><P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;          the
expiration of the period of time determined by the Committee upon the grant           of
such Option; provided that in no event shall such period exceed ten (10)           years
from the date on which such Option was granted;  </FONT></P></TD>
</TR>
</TABLE>
<BR>

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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
<TD ALIGN=RIGHT WIDTH=5%></TD>
<TD WIDTH=95%><P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;          in
the event of the termination of the optionee&#146;s employment by, or           services
to, the Company and its subsidiaries, the Option shall terminate as           follows:  </FONT></P></TD>
</TR>
</TABLE>
<BR>

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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
<TD ALIGN=RIGHT WIDTH=10%></TD>
<TD WIDTH=90%><P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;          if
such termination constitutes or is attributable to a breach by the optionee           of
an employment or consulting agreement with the Company or any of its
          subsidiaries, or if the optionee is discharged or if his or her services are
          terminated for cause, then the Option shall terminate immediately upon such
          termination date;  </FONT></P></TD>
</TR>
</TABLE>
<BR>

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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
<TD ALIGN=RIGHT WIDTH=10%></TD>
<TD WIDTH=90%><P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;          if
such termination is due to the death or disability of the optionee, then the
          Option shall terminate on the one-year anniversary of the date of death or
          disability of the optionee; or  </FONT></P></TD>
</TR>
</TABLE>
<BR>

<!-- MARKER FORMAT-SHEET="Para (List) Indent Lv 2- TNR" FSL="Project" -->
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
<TD ALIGN=RIGHT WIDTH=10%></TD>
<TD WIDTH=90%><P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;(C)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;          if
such termination is for any other reason including the voluntary or           involuntary
termination of the optionee&#146;s employment with, or services to,           the
Company, then the Option shall terminate on the ninetieth (90th) day           following
the date of termination of the employment or services;  </FONT></P></TD>
</TR>
</TABLE>
<BR>

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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
<TD ALIGN=RIGHT WIDTH=5%></TD>
<TD WIDTH=95%><P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;          the
expiration of such period of time or the occurrence of such event or events           as
the Committee in its discretion may provide upon the granting thereof.  </FONT></P></TD>
</TR>
</TABLE>
<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
Committee shall have the right to determine what constitutes cause for discharge or
termination of services, whether the optionee has been discharged or his or her services
terminated for cause and the date of such discharge or termination of services, and such
determination of the Committee shall be final and conclusive. </FONT></P>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>&nbsp;&nbsp;&nbsp;&nbsp;(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Exercise By Executor or Administrator. </B>Except as otherwise provided by the
Committee at the time of grant or thereafter, in the event of the death of an
optionee, Options exercisable by the optionee at the time of his or her death
may be exercised within one year thereafter by the person or persons to whom the
optionee&#146;s rights under the Options shall pass by will or by the applicable
law of descent and distribution. However, in no event may any Option be
exercised by anyone after the earlier of (i) the final date upon which the
optionee could have exercised it had the optionee continued in the employment of
the Company or its subsidiaries to such date, or (ii) one year after the
optionee&#146;s death. </FONT> </P>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>&nbsp;&nbsp;&nbsp;&nbsp;(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Method of Exercise and Consideration for Exercise. </B>An Option may be exercised
only by a notice in writing complying in all respects with the applicable stock
option agreement. Such notice may instruct the Company to deliver Shares due
upon the exercise of the Option to any registered broker or dealer approved by
the Company (an &#147;approved broker&#148;) in lieu of delivery to the
optionee. Such instructions shall designate the account into which the Shares
are to be deposited. The optionee may tender such notice, properly executed by
the optionee, together with the aforementioned delivery instructions, to an
approved broker. The purchase price of the Shares as to which an Option is
exercised shall be paid in cash or by check, except that the Committee may, in
its discretion, allow such payment to be made by surrender of unrestricted
Shares that have been held by the Optionee for at least six months (at their
fair market value on the date of exercise), or by a combination of cash, check
and unrestricted Shares (which have been held at least six (6) months),
provided, however, that the par value of the Shares shall be paid in cash or
unrestricted Shares. </FONT> </P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Payment
in accordance with this Section 9 may be deemed to be satisfied, if and to the extent
provided in the applicable option agreement, by delivery to the Company of an assignment
of a sufficient amount of the proceeds from the sale of Shares acquired upon exercise to
pay for all of the Shares acquired upon exercise and an authorization to the broker or
selling agent to pay that amount to the Company, which sale shall be made at the
optionee&#146;s direction at the time of exercise, provided that the Committee may require
the optionee to furnish an opinion of counsel acceptable to the Committee to the effect
that such delivery would not result in the grantee incurring any liability under Section
16 of the 1934 Act, and does not require the consent, clearance or approval of any
governmental or regulatory body (including any securities exchange or similar
self-regulatory organization). </FONT></P>

<BR><BR><BR>
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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2> </FONT></P>
<HR SIZE=1 NOSHADE>
<BR><BR><BR>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Wherever
in this Plan or any option agreement an optionee is permitted to pay the exercise price of
an Option or taxes relating to the exercise of an Option by delivering Shares, the
optionee may, subject to procedures satisfactory to the Committee, satisfy such delivery
requirement by presenting proof of beneficial ownership of such Shares, in which case the
Company shall treat the Option as exercised without further payment and shall withhold
such number of Shares from the Shares acquired by the exercise of the Option (or if the
Option is paid in cash, cash in an amount equal to the fair market value of such shares on
the date of exercise). </FONT></P>

<!-- MARKER FORMAT-SHEET="Para (List) Indent Lv 0- TNR" FSL="Project" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>&nbsp;&nbsp;&nbsp;&nbsp;(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Transferability of Options. </B>Except as otherwise provided in this paragraph, no
Option granted under the Plan shall be assignable or otherwise transferable by
the optionee, either voluntarily or involuntarily, except by will or the laws of
descent and distribution, by instrument to an inter vivos or testamentary trust
in which the Option is to be passed to beneficiary upon the death of the trustor
(settlor), or by gift to an &#147;immediate family&#148; as that term is used in
section 260.140.41(d) of Title 10 of the California Code of Regulations, and an
Option shall be exercisable during the optionee&#146;s lifetime only by the
optionee. The Committee may in the applicable Option agreement or at any time
thereafter in an amendment to an Option agreement provide that Options granted
hereunder may be transferred with or without consideration by the optionee,
subject to such rules as the Committee may adopt to preserve the purposes of the
Plan, (i) pursuant to a domestic relations order, or (ii) to one or more of the
optionee&#146;s &#147;immediate family&#148; which includes, except as otherwise
prohibited by applicable securities laws the optionee&#146;s spouse, child,
grandchild, parent, grandparent, sibling, mother-in-law, father-in-law,
son-in-law, daughter-in-law, brother-in-law, and sister-in-law and includes
adoptive relationships (collectively, the &#147;Immediate Family&#148;) (each
transferee is hereafter referred to as a &#147;Permitted Transferee&#148;);
provided, however, that the optionee gives the Committee advance written notice
describing the terms and conditions of the proposed transfer and the Committee
notifies the optionee in writing that such a transfer would comply with the
requirements of the Plan, any applicable Option agreement and any amendments
thereto. Notwithstanding the foregoing, the Committee, in its sole discretion,
may permit the transfer of an Option to an entity other than one included in the
term &#147;Immediate Family&#148; above at any time if such transfer would be
permitted under applicable state and federal securities laws (including but not
limited to an applicable state or federal securities law exemption for the
Option and the shares of common stock of the Company issuable upon exercise of
the Option). The Committee may require as a condition of the transfer of the
Option to a trust or by gift that the optionee&#146;s transferee enter into a
option transfer agreement provided by, acceptable to, the Company. The terms of
an option shall be binding upon a transferee, executor, administrator, heir,
successor and assign. </FONT> </P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
terms and conditions of any Option transferred in accordance with the immediately
preceding sentence shall apply to the Permitted Transferee and any reference in the Plan
or in an Option agreement or any amendment thereto an optionee or grantee shall be deemed
to refer to the Permitted Transferee, except that (a) Permitted Transferees shall not be
entitled to transfer any Options, other than by will or the laws of descent and
distribution; (b) Permitted Transferees shall not be entitled to exercise any transferred
Options unless there shall be in effect a registration statement on an appropriate form
covering the shares to be acquired pursuant to the exercise of such Option if the
Committee determines that such a registration statement is necessary or appropriate; (c)
the Committee or the Company shall not be required to provide any notice to a Permitted
Transferee, whether or not such notice is or would otherwise have been required to be
given to the optionee under the Plan or otherwise; and (d) the events of termination of
employment by, or services to, the Company under clause (2)(A) of paragraph (c) of Section
9 hereof shall continue to be applied with respect to the original optionee, following
which the Options shall be exercisable by the Permitted Transferee only to the extent, and
for the periods, specified in Section 9. </FONT></P>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>&nbsp;&nbsp;&nbsp;&nbsp;(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Compliance with Terms of Plan and Applicable Laws. </B>The obligation of the Company
to deliver Shares upon such exercise shall be subject to the terms of the
Option, the Plan and all applicable laws, rules and regulations, and to such
approvals by governmental agencies as may be deemed appropriate by the
Committee, including, among others, such steps as counsel for the Company shall
deem necessary or appropriate to comply with requirements of relevant securities
laws. </FONT> </P>

<!-- MARKER FORMAT-SHEET="Para (List) Flush Lv 0- TNR" FSL="Project" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>10.&nbsp;&nbsp;&nbsp;&nbsp;
STOCKHOLDER RIGHTS AND OTHER RIGHTS</B> </FONT> </P>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
No Stockholder Rights Until Shares Purchased. </B>No optionee shall have any of the
rights of a stockholder with respect to any Shares unless and until he or she
has exercised his or her Option with respect to such Shares and has paid the
full purchase price therefor. An optionee who holds Shares shall be entitled to
receive all financial statements to which all stockholders of the Company are
entitled to receive. </FONT> </P>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Other Rights. </B>The grant, retention or exercise of an Option shall not be
construed to confer any service, employment or other rights on an optionee other
than as expressly provided herein. </FONT> </P>

<BR><BR><BR>
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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2> </FONT></P>
<HR SIZE=1 NOSHADE>
<BR><BR><BR>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>11.&nbsp;&nbsp;&nbsp;&nbsp;
CHANGES IN SHARES</B> </FONT> </P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
the event of (i) any split, reverse split, combination of shares, reclassification,
recapitalization or similar event which involves, affects or is made with regard to any
class or series of Shares which may be delivered pursuant to the Plan (&#147;Plan
Shares&#148;), (ii) any dividend or distribution on Plan Shares payable in Shares, or
(iii) a merger, consolidation or other reorganization as a result of which Plan Shares
shall be increased, reduced or otherwise changed or affected, then in each such event the
Committee shall, to the extent it deems it to be consistent with such event and necessary
or equitable to carry out the purposes of the Plan, appropriately adjust (a) the maximum
number of Shares and the classes of series of such Shares which may be delivered pursuant
to the Plan, (b) the number of Shares and the classes or series of Shares subject to
outstanding Options, (c) the Option price per Share subject to outstanding Options, and
(d) any other provisions of the Plan, provided, however, that (i) any adjustments made in
accordance with clauses (b) and (c) shall make any such outstanding Option as nearly as
practicable, equivalent to such Option immediately prior to such change and (ii) no such
adjustment shall give any optionee additional benefits under any outstanding Option. </FONT></P>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>12.&nbsp;&nbsp;&nbsp;&nbsp; REORGANIZATION</B> </FONT> </P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
the event that the Company is merged or consolidated with another corporation, or in the
event that all or substantially all of the assets of the Company are acquired by another
corporation, or in the event of a reorganization or liquidation of the Company (each such
event being hereinafter referred to as a &#147;Reorganization Event&#148;) or in the event
that the Board shall propose that the Company enter into a Reorganization Event, then the
Committee may in its discretion take any or all of the following actions: (i) by written
notice to each optionee, provide that his or her Options will be terminated unless
exercised within thirty days (or such longer period as the Committee shall determine in
its sole discretion) after the date of such notice (without acceleration of the
exercisability of such Options); and (ii) advance the date or dates upon which any or all
outstanding Options shall be exercisable. </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Whenever
deemed appropriate by the Committee, any action referred to in subparagraph (i) above may
be made conditional upon the consummation of the applicable Reorganization Event. The
provisions of this Section 12 shall apply notwithstanding any other provision of the Plan. </FONT></P>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>13.&nbsp;&nbsp;&nbsp;&nbsp;
WITHHOLDING TAXES</B> </FONT> </P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Whenever
Shares are to be delivered under the Plan pursuant to an award, the Committee may require
as a condition of delivery that the optionee or grantee remit an amount sufficient to
satisfy all federal, state and other governmental holding tax requirements related
thereto. Whenever cash is to be paid under the Plan, the Company may, as a condition of
its payment, deduct therefrom, or from any salary or other payments due to the optionee,
an amount sufficient to satisfy all federal, state and other governmental withholding tax
requirements related thereto or to the delivery of any Shares under the Plan.
Notwithstanding any provision of this Plan to the contrary, in connection with the
transfer of an Option to a Permitted Transferee pursuant to Section 9 of the Plan, the
optionee shall remain liable for any withholding taxes required to be withheld upon the
exercise of such Option by the Permitted Transferee. </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Without
limiting the generality of the foregoing, (i) the Committee may permit an optionee to
satisfy all or part of the foregoing withholding requirements by delivery of unrestricted
Shares owned by the optionee for at least six months (or such other period as the
Committee may determine) having a fair market value (determined as of the date of such
delivery by the optionee) equal to all or part of the amount to be so withheld, provided
that the Committee may require, as a condition of accepting any such delivery, the
optionee to furnish an opinion of counsel acceptable to the Committee to the effect that
such delivery would not result in the optionee incurring any liability under Section 16(b)
of the 1934 Act; and (ii) the Committee may permit any such delivery to be made by
withholding Shares from the Shares otherwise issuable pursuant to the award giving rise to
the tax withholding obligation (in which event the date of delivery shall be deemed the
date such award was exercised); provided that such withholding shall be based on the
minimum statutory withholding rates for federal and state purposes, including payroll
taxes, that are applicable to such supplemental taxable income. </FONT></P>

<BR><BR><BR>
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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2> </FONT></P>
<HR SIZE=1 NOSHADE>
<BR><BR><BR>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>14.&nbsp;&nbsp;&nbsp;&nbsp;
AMENDMENT AND DISCONTINUANCE</B> </FONT> </P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Board may amend, alter, suspend, discontinue, or terminate the Plan or any portion thereof
at any time; provided that no such amendment, alteration, suspension, discontinuation, or
termination shall be made without stockholder approval if such approval is necessary to
comply with any tax, statutory, regulatory or stock exchange requirement applicable to the
Company and the Plan; and provided further that any such amendment, alteration,
suspension, discontinuance, or termination that would impair the rights of any optionee or
any holder or beneficiary of any Option theretofore granted shall not to that extent be
effective without the consent of the affected optionee, holder, or beneficiary. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para (List) Flush Lv 0- TNR" FSL="Project" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>15.&nbsp;&nbsp;&nbsp;&nbsp;
APPLICABLE LAWS</B> </FONT> </P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
obligation of the Company to deliver Shares shall be subject to all applicable laws,
rules, and regulations, and to such approvals by governmental agencies as may be deemed
appropriate by the Committee, including, among others, such steps as counsel for the
Company shall deem necessary or appropriate to comply with requirements of relevant
securities laws. Such obligation shall also be subject to the condition that the Shares
reserved for issuance upon the exercise of Options granted under the Plan shall have been
duly listed on any national securities exchange which then constitutes the principal
trading market for the Shares. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para (List) Flush Lv 0- TNR" FSL="Project" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>16.&nbsp;&nbsp;&nbsp;&nbsp;
GOVERNING LAWS</B> </FONT> </P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Plan shall be applied and construed in accordance with and governed by the law of the
State of Delaware, to the extent such law is not superseded by or inconsistent with
Federal law. </FONT></P>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>17.&nbsp;&nbsp;&nbsp;&nbsp;
EFFECTIVE DATE AND DURATION OF PLAN</B> </FONT> </P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Plan was approved by the stockholders of the Company as of June 21, 1999, and became
effective upon the closing (the &#147;Closing&#148;) of the initial public offering of the
Company&#146;s Shares pursuant to Registration Statement No. 333-77483 filed with the
Securities and Exchange Commission. The term during which Options may be granted under the
Plan shall expire on the day preceding the tenth anniversary of the date of the initial
approval of the Plan by the stockholders of the Company. </FONT></P>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>18.&nbsp;&nbsp;&nbsp;&nbsp;
AMENDMENTS TO AGREEMENTS</B> </FONT> </P>



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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding
any other provision of the Plan, the Committee may amend the terms of any agreement
entered into in connection with any award granted pursuant to the Plan, provided that the
terms of such amendment are not inconsistent with the terms of the Plan. </FONT></P>


<BR><BR><BR><BR>
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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2> </FONT></P>
<HR SIZE=1 NOSHADE>
<BR><BR><BR><BR>


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

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<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<BR> Amended through
February 9, 2004 </FONT></H1>

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

</UL>

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<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 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 controls system;</font>

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

<LI>       <FONT FACE="Times New Roman, Times, Serif" SIZE="2"> provide an open avenue of communication among the independent 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&#146;s independent
auditors are ultimately accountable to the Audit Committee, the Audit Committee has the
sole authority and responsibility to select, evaluate, oversee, determine the compensation
of and, where appropriate, replace the independent auditors and/or nominate the
independent auditors for stockholder approval, and to resolve disagreements between
management and the independent auditor regarding financial reporting issues. The Audit
Committee shall consult with management and the Board of Directors, but shall not delegate
these responsibilities. </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 under the heading &#147;Responsibilities and Duties&#148; in this
Charter. In carrying out its responsibilities, the Audit Committee has the authority (i)
to investigate any matter brought to its attention with full access to all books, records,
facilities, and personnel of the Company and (ii) to retain independent legal, accounting
and other consultants to advise the Audit Committee, at Company expense, as it deems
necessary. </FONT></P>

<UL>

<LI> <FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>Organization</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;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&#146;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&#146;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 qualify as an
&#147;audit committee financial expert,&#148; as defined in Regulation S-K Item 401(h).
Members of the Audit Committee shall not have participated in the preparation of the
financial statements of the Company or any current subsidiary at any time during the
previous three (3) years. </FONT></P>

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


<UL>
 <LI> <FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>Meetings</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;The
Audit Committee shall meet as circumstances require. The Audit Committee may require any
officer or employee of the Company or its subsidiaries, the Company&#146;s independent
auditors or outside counsel or others to attend its meetings or to meet with any members
of, or consultants to, the Audit Committee, 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&#146;s independent auditors in separate
executive 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>

<!-- 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>Review
with financial management and the Company&#146;s independent auditors the
               Company&#146;s annual audited financial statements, including disclosures
made                in &#147;Management&#146;s Discussion and Analysis of Financial
Condition and                Results of Operations,&#148; prior to the filing of such
statements with the                Securities and Exchange Commission. This review should
include a discussion of                the independent auditors&#146; judgments about the
quality and appropriateness                of the Company&#146;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&#146;s audited financial statements                in the Company&#146;s
Annual Report on Form 10-K.  </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>2. </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Review
with financial management and the Company&#146;s independent auditors the
               Company&#146;s quarterly financial statements, including disclosures made
in                &#147;Management&#146;s Discussion and Analysis of Financial Condition
and                Results of Operations,&#148; and the independent auditors&#146; review
of the                quarterly financial statements (including a review of the matters
included in                the paragraph immediately above), prior to the submission of
such statements to                the Securities and Exchange Commission or the public.
The Chairman of the Audit                Committee or any subcommittee of the Audit
Committee may represent the entire                Audit Committee for the purpose of this
review.  </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>3. </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Review
the performance of the independent auditors and make determinations
               regarding the appointment, replacement or rotation of the independent
auditors.  </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>4. </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>On
an annual basis, review and discuss with the independent auditors all
               relationships the independent auditors have or have had during the current
year                with the Company to determine the independent auditors&#146; continued
               independence. In connection with the foregoing, the Audit Committee shall
               request that the independent auditors submit to the Audit Committee on an
annual                basis a written statement delineating all such relationships
(consistent with                Independence Standards Board Standard 1), shall discuss
with the independent                auditors any disclosed relationship or services that
may impact the objectivity                and independence of the independent 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 independent auditors&#146;               independence.  </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>5. </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>At
least annually, obtain and review a report from the independent auditors
               describing (a) the independent auditors&#146; internal quality control
               procedures and (b) any material issues raised by the most recent internal
               quality control review, or peer review, of the independent auditors, or by
any                inquiry or investigation by governmental or professional authorities,
within the                preceding five years, respecting one or more independent audits
carried out by                the independent auditors, and any steps taken to deal with
any such issues.  </FONT></TD>
</TR>
</TABLE>
<BR>

<BR><BR><BR>
<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2> </FONT></P>
<HR SIZE=1 NOSHADE>
<BR><BR><BR><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>6. </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Review
and reassess the adequacy of the Audit Committee&#146;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></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>7. </FONT></TD>
<TD WIDTH=95%><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 independent auditors, and establish
policies and                procedures for the pre-approval of such services, including
the fees and terms                thereof. All non-audit services permitted pursuant to
law to be provided by the                independent auditors must be considered and
pre-approved by the Audit Committee                and such approvals must be disclosed
in the Company&#146;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, 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></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>8. </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Prepare
any reports of the Audit Committee required by applicable securities                laws
or Nasdaq listing requirements or rules to be included in any proxy
               statements, information statements or other documents, and approve
disclosures                required to be included in periodic filings with the
Securities and Exchange                Commission with respect to audit, audit-related
and non-audit services, and                reports and attestations regarding internal
controls.  </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>9. </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Review
with the independent auditors their audit plan, the scope of their audit,
               the auditors&#146; report and their recommendations.  </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>10. </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Discuss
with the independent auditors matters identified by the auditors for
               discussion with the Audit Committee in accordance with applicable AICPA
               statements on auditing standards (particularly Statement on Auditing
Standards                No. 61), securities laws or Nasdaq listing requirements or
rules.  </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>11. </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Review
and discuss with management and the Company&#146;s independent auditors
               the integrity of the Company&#146;s financial reporting process.  </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>12. </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Review
and discuss with management and the Company&#146;s independent auditors
               the quality and adequacy of the Company&#146;s internal accounting
controls.                Review and discuss with management and the Company&#146;s
independent auditors                any material communications between them, including
any management letter.  </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>13. </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Review
and discuss reports from the independent auditors concerning all critical
               accounting policies and practices used by the Company and alternative
accounting                treatments within GAAP related to material items that have been
discussed with                management, including the ramifications of the use of the
alternative treatments                and the treatment preferred by the independent
auditor.  </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>14. </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Establish
procedures for (i) the receipt, retention and treatment of complaints
               received by the Company regarding accounting, internal accounting controls
or                auditing matters, and (ii) the confidential, anonymous submission by
employees                of the Company of concerns regarding questionable accounting or
auditing                matters.  </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>15. </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Discuss
with the independent auditors whether they are aware of any action by                any
officer, director, or person acting under their direction that would violate
               Rule 13b2-2(b)(1) under the Securities Exchange Act of 1934, which
prohibits                improper influence on the conduct of audits.  </FONT></TD>
</TR>
</TABLE>
<BR>

<BR><BR><BR>
<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2> </FONT></P>
<HR SIZE=1 NOSHADE>
<BR><BR><BR><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>16. </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Review
and approve (a) any change or waiver in the Company&#146;s code of ethics
               for directors, executive officers, including the president and chief
executive                officer, the chief operating officer, the general counsel and
senior financial                officers (including the chief financial officer and chief
accounting officer)                and (b) any public disclosure made regarding such
change or waiver.  </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>17. </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Review
and approve related-party and conflict of interest transactions.  </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>18. </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Review,
at least annually, with management, the independent auditors and the
               Company&#146;s in-house and independent counsel, as appropriate, any
material                pending or threatened litigation, and any legal, accounting,
regulatory or                compliance matters that could have a significant impact on
the Company&#146;s                financial position or results of operations.  </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>19. </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Report
regularly to the full Board of Directors and review with the full Board                of
Directors any issues that have arisen with respect to the quality or
               integrity of the Company&#146;s financial statements, the Company&#146;s
               compliance with legal or regulatory requirements or the performance and
               independence of the Company&#146;s independent auditors.  </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>20. </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Establish
policies for the hiring of employees and former employees of the                Company&#146;s
independent auditors.  </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>21. </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Perform
any other activities consistent with this Charter, the Company&#146;s
               By-laws and governing law, as the Audit Committee or the Board of
Directors                deems necessary or appropriate.  </FONT></TD>
</TR>
</TABLE>
<BR>


<!-- MARKER FORMAT-SHEET="Head Minor Center-TNR" FSL="Project" -->
<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 independent auditors are responsible for auditing them. The Audit
Committee is responsible for overseeing the conduct of these activities and is not
expected to audit the Company, to define the scope of the audit, to control the
Company&#146;s accounting practices or to define the standards to be used in the
preparation of the Company&#146;s financial statements. Nor is it the duty of the Audit
Committee to conduct investigations or to assure compliance with laws and regulations or
the Company&#146;s Code of Conduct. The Audit Committee may rely, without independent
verification, on the information provided to it and on the representations made by
management that the financial statements have been prepared in conformity with generally
accepted accounting principles and the corresponding reports of the independent auditors
prepared in connection with their reviews and audits. 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 independent auditors&#146; work. </FONT></P>

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



<!-- MARKER FORMAT-SHEET="Head Minor Center Bold-TNR" FSL="Project" -->
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>ENCORE CAPITAL GROUP,
INC. <BR>
Annual Meeting of
Stockholders &#150;May 5, 2004 </FONT></H1>

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

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<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 Hyatt Regency La Jolla, 3777 La Jolla Village Dr., San Diego, California 92122, on May
5, 2004, beginning at 1:00 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>This proxy revokes any
and all other proxies heretofore given by the undersigned.  </FONT></H1>

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


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




<!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>ANNUAL MEETING OF
STOCKHOLDERS OF<BR> ENCORE CAPITAL GROUP, INC.<BR> May 5, 2004  </FONT></H1>

<!-- MARKER FORMAT-SHEET="Head Minor Center Bold-TNR" FSL="Project" -->
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>PROXY VOTING
INSTRUCTIONS  </FONT></H1>



<TABLE WIDTH=760 BORDER="0" CELLPADDING="5" CELLSPACING="0">
<TR VALIGN="BOTTOM">
     <Td><FONT SIZE="2"><U><B>MAIL </B></U>- Date, sign and mail your proxy card in the envelope<BR>
provided as soon as possible. </FONT> </Td>
     <Td><FONT SIZE="1"></FONT></Td></TR>
<TR VALIGN="TOP">
     <TD align=center WIDTH="50%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">-OR-</FONT></TD>
     <TD WIDTH="50%"><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"><U><B>TELEPHONE </B></U>- Call toll-free <B>1-800-PROXIES </B>(1-800-776-9437)<BR>
from any touch-tone telephone and follow the<BR>
instructions. Have your proxy card available when you<BR>
call. </FONT> </TD>
     <TD align=center><FONT FACE="Times New Roman, Times, Serif" SIZE="2">COMPANY NUMBER</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD align=center><FONT FACE="Times New Roman, Times, Serif" SIZE="2">-OR-</FONT></TD>
     <TD align=center><FONT FACE="Times New Roman, Times, Serif" SIZE="2">ACCOUNT NUMBER</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><U><B>INTERNET </B></U>- Access "www.voteproxy.com" and follow the<BR>
on-screen instructions. Have your proxy card available<BR>
when you call. </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>
</TABLE>





<!-- MARKER FORMAT-SHEET="Head Major Left Bold-TNR" FSL="Project" -->
<H1 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Please detach along
perforated line and mail in the envelope provided <U>IF </U>you are not voting via
telephone or the internet.  </FONT></H1><BR>

<HR ALIGN=LEFT WIDTH=95% SIZE=1 NOSHADE>
<BR>

<!-- MARKER FORMAT-SHEET="Head Major 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<BR>
 BLACK INK AS SHOWN HERE [X]  </FONT></H1>

<!-- MARKER FORMAT-SHEET="Para (List) Flush Lv 0- TNR" FSL="Default" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>1.&nbsp;&nbsp;&nbsp;&nbsp;
ELECTION OF DIRECTORS</B> </FONT> </P>








<TABLE WIDTH="100%" BORDER="0" CELLPADDING="2" CELLSPACING="0">
<TR VALIGN="BOTTOM">
     <Td><FONT SIZE="2">[&nbsp;&nbsp; ] FOR ALL NOMINEES</FONT></Td>
     <Td align=left rowspan=3><FONT SIZE="2">NOMINEES:<BR> &deg; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Raymond Fleming<BR>
 &deg;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Carl C. Gregory, III <BR>&deg;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Neville J. Katz <BR>
&deg;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Eric D. Kogan <BR>&deg;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Alexander Lemond <BR>&deg;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
 Richard A. Mandell <BR>
&deg; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Peter W. May <BR>&deg; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Nelson Peltz<BR>&deg; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Robert M. Whyte</FONT></Td></TR>
<TR VALIGN="middle">
     <TD WIDTH="50%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">[ &nbsp;&nbsp;] WITHHOLD AUTHORITY<BR>
FOR ALL NOMINEES</FONT></TD>
     </TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">[ &nbsp;&nbsp;] FOR ALL EXCEPT<BR>
(See instructions below)</FONT></TD>
   </TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     </TR>
</TABLE>


<BR><BR>


<!-- 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: &#149; </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><B>2.</B></FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><B>APPROVAL
OF AMENDMENT TO<BR> 1999 EQUITY PARTICIPATION PLAN</B> </FONT></TD>
</TR>
</TABLE>
<BR>





<TABLE WIDTH="600" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM">
     <TH><FONT SIZE="1"></FONT></TH>
     <TH><FONT SIZE="1"></FONT></TH>
     <TH><FONT SIZE="1"></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="34%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">[&nbsp;&nbsp; ] FOR</FONT></TD>
     <TD WIDTH="33%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">[&nbsp;&nbsp; ] AGAINST</FONT></TD>
     <TD WIDTH="33%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">[&nbsp;&nbsp; ] ABSTAIN</FONT></TD></TR>
</TABLE>


<BR><BR><BR>
<!-- MARKER FORMAT-SHEET="Page Number Center" FSL="Project" -->
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2> </FONT></P>
<HR SIZE=1 NOSHADE>
<BR><BR><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><B>3.</B></FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><B>RATIFICATION
OF SELECTION OF <BR>INDEPENDENT AUDITORS</B> </FONT></TD>
</TR>
</TABLE>
<BR>


<TABLE WIDTH="600" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM">
     <TH><FONT SIZE="1"></FONT></TH>
     <TH><FONT SIZE="1"></FONT></TH>
     <TH><FONT SIZE="1"></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="34%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">[&nbsp;&nbsp; ] FOR</FONT></TD>
     <TD WIDTH="33%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">[&nbsp;&nbsp; ] AGAINST</FONT></TD>
     <TD WIDTH="33%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">[&nbsp;&nbsp; ] ABSTAIN</FONT></TD></TR>
</TABLE>
<BR><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>4. </FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>In
their discretion, the Proxies are authorized to vote upon such other business
                    as may properly come before this meeting.  </FONT></TD>
</TR>
</TABLE>
<BR><BR>

<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE="3"><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, 2 AND 3 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=50% SIZE=1 NOSHADE>
<BR><BR><BR>
<!-- MARKER FORMAT-SHEET="Page Rule Single" FSL="Default" -->
     <HR ALIGN=LEFT WIDTH=50% SIZE=1 NOSHADE>




<TABLE WIDTH="100%" BORDER="0" CELLPADDING="5" CELLSPACING="5">
<TR VALIGN="BOTTOM">
     <TH><FONT SIZE="1"></FONT></TH>
     <TH><FONT SIZE="1"></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="50%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">To change the address on your account, please check the box at right and<BR>
indicate your new address in the address space above. Please note that<BR>
changes to the registered name(s) on the account may not be submitted via<BR>
this method.</FONT></TD>
     <TD WIDTH="50%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">[&nbsp;&nbsp; ]</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Please check the box at right if you plan to attend the meeting</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">[&nbsp;&nbsp; ]</FONT></TD></TR>
</TABLE>



<TABLE WIDTH="100%" BORDER="0" CELLPADDING="2" CELLSPACING="0">
<TR VALIGN="BOTTOM">
     <TH><FONT SIZE="1"></FONT></TH>
     <TH><FONT SIZE="1"></FONT></TH>
     <TH><FONT SIZE="1"></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="34%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD colspan=2 WIDTH="33%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">The undersigned hereby revokes any proxy or proxies heretofore<BR>
given to vote such shares at said meeting or at any<BR>
adjournment thereof.</FONT></TD>
     </TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD colspan=2><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Please sign exactly as your name or names appear on this<BR>
Proxy. When shares are held jointly, each holder should<BR>
sign. When signing as, executor, administrator, attorney,<BR>
trustee or guardian, please give full title as such. If the<BR>
signer is a corporation, please sign full corporate name by<BR>
duly authorized officer, giving full title as such. If signer<BR>
is a partnership, please sign in partnership name by<BR>
authorized person.</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">________________________<BR>
Signature of Stockholder</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">___________<BR>
Date</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">________________________<BR>
Signature of Stockholder<BR>
</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">___________<BR>
Date</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>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD></TR>
</TABLE>
<BR><BR>

<HR SIZE=1 NOSHADE>


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