<SEC-DOCUMENT>0000886206-13-000015.txt : 20130327
<SEC-HEADER>0000886206-13-000015.hdr.sgml : 20130327
<ACCEPTANCE-DATETIME>20130326173528
ACCESSION NUMBER:		0000886206-13-000015
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		4
CONFORMED PERIOD OF REPORT:	20130325
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20130327
DATE AS OF CHANGE:		20130326

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FRANKLIN COVEY CO
		CENTRAL INDEX KEY:			0000886206
		STANDARD INDUSTRIAL CLASSIFICATION:	SERVICES-MANAGEMENT SERVICES [8741]
		IRS NUMBER:				870401551
		STATE OF INCORPORATION:			UT
		FISCAL YEAR END:			0831

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-11107
		FILM NUMBER:		13717759

	BUSINESS ADDRESS:	
		STREET 1:		2200 W PKWY BLVD
		CITY:			SALT LAKE CITY
		STATE:			UT
		ZIP:			84119-2331
		BUSINESS PHONE:		8018177171

	MAIL ADDRESS:	
		STREET 1:		2200 W PARKWAY BLVD
		CITY:			SALT LAKE CITY
		STATE:			UT
		ZIP:			84119

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FRANKLIN QUEST CO
		DATE OF NAME CHANGE:	19940218
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>form8k_32513.htm
<DESCRIPTION>FORM 8K MARCH 25, 2013
<TEXT>
<html>
<head>
    <title>form8k_32513.htm</title>
    <!--Licensed to: FranklinCovey-->
    <!--Document Created using EDGARizer 2020 5.4.1.0-->
    <!--Copyright 1995 - 2009 Thomson Reuters. All rights reserved.-->
</head>
<body bgcolor="#ffffff" style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">
<div>&#160;</div>

<div><br>
&#160;</div>

<div>
<hr style="MARGIN-TOP: -5px; COLOR: #000000" noshade size="4">
<hr style="MARGIN-TOP: -10px; COLOR: #000000" noshade size="1">
</div>

<div>&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 12pt">UNITED STATES</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 12pt">SECURITIES AND EXCHANGE COMMISSION</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">WASHINGTON, D.C. 20549</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 18pt">FORM 8-K</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">CURRENT REPORT</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Pursuant to Section 13 or 15(d) of</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Securities Exchange Act of 1934</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Date of Report (Date of Earliest Event Reported):</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">March 25, 2013</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-ALIGN: center; TEXT-INDENT: 0pt; DISPLAY: block"><img src="newcolorlogo.jpg" alt="Franklin Covey Logo"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 18pt; FONT-WEIGHT: bold">FRANKLIN COVEY CO.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(Exact name of registrant as specified in its charter)</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Commission File No. 1-11107</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-ALIGN: center" align="left">
<table cellpadding="0" cellspacing="0" width="34%" style="TEXT-ALIGN: center; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr style="TEXT-ALIGN: center;">
<td valign="top" width="12%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Utah</font></div>
</td>
<td valign="top" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="12%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">87-0401551</font></div>
</td>
</tr><tr>
<td valign="top" width="12%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(State or other jurisdiction of incorporation)</font></div>
</td>
<td valign="top" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="12%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(IRS Employer Identification Number)</font></div>
</td>
</tr><tr>
<td valign="top" width="12%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="12%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2200 West Parkway Boulevard</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Salt Lake City, Utah&#160;&#160;84119-2099</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(Address of principal executive offices)(Zip Code)</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Registrant&#8217;s telephone number, including area code:&#160;&#160;<font style="DISPLAY: inline; FONT-WEIGHT: bold">(801) 817-1776</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Former name or former address, if changed since last report: <font style="DISPLAY: inline; FONT-WEIGHT: bold">Not Applicable</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">______________________</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">[ ]&#160;&#160;&#160;&#160;&#160;&#160;Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">[ ]&#160;&#160;&#160;&#160;&#160;&#160;Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">[ ]&#160;&#160;&#160;&#160;&#160;&#160;Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">[ ]&#160;&#160;&#160;&#160;&#160;&#160;Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</font></div>

<br>
<div id="PGBRK" style="TEXT-INDENT: 0pt; WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>

<div>
<hr style="MARGIN-TOP: -5px; COLOR: #000000" noshade size="1">
<hr style="MARGIN-TOP: -13px; COLOR: #000000" noshade size="4">
</div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<br>
<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Item 1.01&#160;&#160;&#160;&#160;&#160;Entry into a Material Definitive Agreement</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">On March 25, 2013, Franklin Covey Co. (the Company) entered into the Third Modification Agreement (the Third Modification Agreement) to its existing amended and restated secured credit agreement (the Restated Credit Agreement) with JPMorgan Chase Bank, N.A. (the Lender).&#160;&#160;The Lender also provides the majority of the Company&#8217;s day-to-day banking services.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The primary purposes of the Third Modification Agreement are to extend the maturity date of the Restated Credit Agreement from March 31, 2015 to March 31, 2016 and to increase the caps for permitted business acquisitions.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Third Modification Agreement continues to provide a revolving line of credit facility with a maximum borrowing amount of $10.0 million and the interest rate on the revolving line of credit will continue to be LIBOR plus 2.50% per annum.&#160;&#160;The Third Modification Agreement continues to have debt covenants that include 1) a Funded Debt to EBITDAR ratio, 2) a Fixed Charge Coverage ratio, and 3) a limit on capital expenditures.&#160;&#160;These financial covenants remain the same as defined in previous modifications to the Restated Credit Agreement.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The other key terms and conditions of the Third Modification Agreement are substantially the same as those defined in the Restated Credit Agreement.&#160;&#160;The Restated Credit Agreement was described in the Company&#8217;s Form 8-K filed on March 17, 2011, which information is incorporated by reference herein.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">In connection with the Third Modification Agreement, certain of the Company&#8217;s subsidiaries entered into a Consent and Agreement of Guarantor.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The foregoing description of the Third Modification Agreement does not purport to be complete and is qualified in its entirety by reference to the text of the Third Modification Agreement and the Consent and Agreement of Guarantor which are filed as Exhibits 10.1 and 10.2 attached hereto.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">
<div align="center">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
</table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Item 2.03&#160;&#160;&#160;&#160;&#160;Creation of a Direct Financial Obligation or an Obligation Under an Off-Balance Sheet Arrangement</font></div>

<br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">
<div align="center">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
</table>
</div>
</div>

<div align="center">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
</table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">On March 25, 2013, the Company and certain of its subsidiaries entered into the Third Modification Agreement and a Consent and Agreement of Guarantor with the Lender as described above in Item 1.01.&#160;&#160;The information in Item 1.01 is incorporated by reference herein.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Item 9.01&#160;&#160;&#160;&#160;&#160;Financial Statements and Exhibits</font></div>

<br>
</div>

<div align="center">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
</table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td align="right" style="WIDTH: 72pt">
<div><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(d)&#160;&#160;</font></div>
</td>
<td>
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Exhibits:</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt">
<div><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160; </font></div>
</td>
<td style="WIDTH: 36pt">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">10.1</font></div>
</td>
<td>
<div align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Third Modification Agreement by and between JPMorgan Chase Bank, N.A. and Franklin Covey Co., dated March 25, 2013.</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt">
<div><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160; </font></div>
</td>
<td style="WIDTH: 36pt">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">10.2</font></div>
</td>
<td>
<div align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Consent and Agreement of Guarantor by and between JPMorgan Chase Bank, N.A. and Franklin Covey Co., dated March 25, 2013.</font></div>
</td>
</tr></table>
</div>

<br>
<div id="PGBRK" style="TEXT-INDENT: 0pt; WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<br>
<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">SIGNATURES</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="MARGIN-LEFT: 180pt" align="left">
<table cellpadding="0" cellspacing="0" width="50%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" colspan="2" valign="top" width="25%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">FRANKLIN COVEY CO.</font></div>
</td>
</tr><tr>
<td valign="top" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="20%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="top" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="20%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td align="left" valign="top" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Date:</font></div>
</td>
<td align="left" valign="top" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font id="TAB1" style="MARGIN-LEFT: 9pt"></font>March 26, 2013</font></div>
</td>
<td valign="top" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="top" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">By:</font></div>
</td>
<td align="left" valign="top" width="20%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font id="TAB1" style="MARGIN-LEFT: 10.8pt"></font>/s/ Stephen D. Young</font></div>
</td>
</tr><tr>
<td valign="top" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="top" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font id="TAB1" style="MARGIN-LEFT: 10.8pt"></font>Stephen D. Young</font></div>
</td>
</tr><tr>
<td valign="top" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="top" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font id="TAB1" style="MARGIN-LEFT: 10.8pt"></font>Chief Financial Officer</font></div>
</td>
</tr><tr>
<td valign="top" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="20%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr></table>
</div>

<br>
<br>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.1
<SEQUENCE>2
<FILENAME>exhibit10_1.htm
<DESCRIPTION>EXHIBIT 10.1 THIRD MODIFICATION AGREEMENT
<TEXT>
<html>
<head>
    <title>exhibit10_1.htm</title>
    <!--Licensed to: FranklinCovey-->
    <!--Document Created using EDGARizer 2020 5.4.1.0-->
    <!--Copyright 1995 - 2009 Thomson Reuters. All rights reserved.-->
</head>
<body bgcolor="#ffffff" style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">
<div>&#160;</div>

<div>&#160;</div>

<div>&#160;</div>

<div>
<hr style="MARGIN-TOP: -5px; COLOR: #000000" noshade size="4">
<hr style="MARGIN-TOP: -10px; COLOR: #000000" noshade size="1">
</div>

<div style="TEXT-ALIGN: right"><font style="FONT-WEIGHT: bold">Exhibit 10.1</font></div>

<div style="TEXT-ALIGN: left">&#160;</div>

<div style="TEXT-ALIGN: left"><br>
&#160;</div>

<div style="TEXT-ALIGN: center; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">THIRD MODIFICATION AGREEMENT</font></div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 36pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">This <font style="DISPLAY: inline; FONT-WEIGHT: bold">THIRD MODIFICATION AGREEMENT</font> (the &#8220;<font style="DISPLAY: inline; FONT-WEIGHT: bold">Agreement</font>&#8221;) is made effective as of March 25, 2013, by and among<font style="DISPLAY: inline; FONT-WEIGHT: bold">&#160;</font><font style="DISPLAY: inline; FONT-WEIGHT: bold">FRANKLIN COVEY CO.</font>, a Utah corporation (&#8220;<font style="DISPLAY: inline; FONT-WEIGHT: bold">Borrower</font>&#8221;), whose address is 2200 West Parkway Blvd., Salt Lake City, Utah 84119, each undersigned Guarantor, and <font style="DISPLAY: inline; FONT-WEIGHT: bold">JPMORGAN CHASE BANK, N.A.</font>, a national banking association (&#8220;<font style="DISPLAY: inline; FONT-WEIGHT: bold">Lender</font>&#8221;), whose address is 201 South Main Street, Suite 300, Salt Lake City, Utah 84111.</font></div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><br>
<br>
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">RECITALS</font>:</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 36pt; MARGIN-LEFT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">A.</font><font id="TAB2" style="LETTER-SPACING: 9pt; COLOR: black">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Lender has previously extended to Borrower (i) a revolving line of credit loan (the &#8220;<font style="DISPLAY: inline; FONT-WEIGHT: bold">Revolving Loan</font>&#8221;) in the maximum principal amount of TEN MILLION AND NO/100 DOLLARS ($10,000,000.00) and (ii) a term loan (the &#8220;<font style="DISPLAY: inline; FONT-WEIGHT: bold">Term Loan</font>&#8221; and, together with the Revolving Loan, individually and collectively, as the context requires, the &#8220;<font style="DISPLAY: inline; FONT-WEIGHT: bold">Loan</font>&#8221;) in the original principal amount of FIVE MILLION AND NO/100 DOLLARS ($5,000,000.00), each pursuant to an Amended and Restated Credit Agreement dated as of March 14, 2011 between Borrower and Lender (as amended and modified from time to time, the &#8220;<font style="DISPLAY: inline; FONT-WEIGHT: bold">Credit Agreement</font>&#8221;).&#160;&#160;The Revolving Loan is evidenced by an Amended and Restated Secured Promissory Note (Revolving Loan) dated March 14, 2011 (as amended and modified from time to time, the &#8220;<font style="DISPLAY: inline; FONT-WEIGHT: bold">Revolving Loan Note</font>&#8221;), executed by Borrower in favor of Lender and the Term Loan is evidenced by a Secured Promissory Note (Term Loan) dated March 14, 2011 (as amended and modified from time to time, the &#8220;<font style="DISPLAY: inline; FONT-WEIGHT: bold">Term Loan Note</font>&#8221; and, together with the Revolving Loan Note, individually and collectively, as the context requires, the &#8220;<font style="DISPLAY: inline; FONT-WEIGHT: bold">Note</font>&#8221;), executed by Borrower in favor of Lender.&#160;&#160;Capitalized terms used herein without definition shall have the meanings given to such terms in the Credit Agreement.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 36pt; MARGIN-LEFT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">B.</font><font id="TAB2" style="LETTER-SPACING: 9pt; COLOR: black">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Repayment of the Loan is guaranteed pursuant to the terms of an Amended and Restated Repayment Guaranty dated as of March 14, 2011 (as amended and modified from time to time, the &#8220;<font style="DISPLAY: inline; FONT-WEIGHT: bold">Guaranty</font>&#8221;), executed by <font style="DISPLAY: inline; FONT-WEIGHT: bold">FRANKLIN DEVELOPMENT CORPORATION</font>, a Utah corporation, <font style="DISPLAY: inline; FONT-WEIGHT: bold">FRANKLIN COVEY TRAVEL, INC.</font>, a Utah corporation, and <font style="DISPLAY: inline; FONT-WEIGHT: bold">FRANKLIN COVEY CLIENT SALES, INC.</font>, a Utah corporation (individually and collectively, as the context requires, and jointly and severally, &#8220;<font style="DISPLAY: inline; FONT-WEIGHT: bold">Guarantor</font>&#8221;), in favor of Lender.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 36pt; MARGIN-LEFT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">C.</font><font id="TAB2" style="LETTER-SPACING: 9pt; COLOR: black">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Loan is secured by, among other things, the Security Documents identified in the Credit Agreement.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 36pt; MARGIN-LEFT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">D.</font><font id="TAB2" style="LETTER-SPACING: 9pt; COLOR: black">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Credit Agreement, Note, Guaranty, Security Documents and all other agreements, documents, and instruments governing, evidencing, securing, guaranteeing or otherwise relating to the Loan, as modified from time to time, including, without limitation, in this Agreement, are sometimes referred to individually and collectively as the &#8220;<font style="DISPLAY: inline; FONT-WEIGHT: bold">Loan Documents</font>.&#8221;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 36pt; MARGIN-LEFT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">E.</font><font id="TAB2" style="LETTER-SPACING: 9pt; COLOR: black">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Subject to the terms and conditions contained herein, Borrower and Lender now desire to modify the Loan Documents to: (i) extend the maturity date of the Revolving Loan from March 31, 2015 to March 31, 2016; (ii)&#160;increase the caps for permitted acquisitions as set forth herein; (iii)&#160;consent to the acquisition of Ninety-Five 5 LLC; and (iv) make such other modifications as are set forth herein.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">AGREEMENT</font>:</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 36pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">For good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto agree as follows:</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 36pt; MARGIN-LEFT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">1.</font><font id="TAB2" style="LETTER-SPACING: 9pt; COLOR: black">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold; TEXT-DECORATION: underline">ACCURACY OF RECITALS</font>.&#160;&#160;Each of Borrower and each Guarantor acknowledges the accuracy of the Recitals which are incorporated herein by reference.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<br>
<div id="PGBRK" style="TEXT-INDENT: 0pt; WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 36pt; MARGIN-LEFT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">2.</font><font id="TAB2" style="LETTER-SPACING: 9pt; COLOR: black">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold; TEXT-DECORATION: underline">MODIFICATION OF LOAN DOCUMENTS</font>.&#160;&#160;The Loan Documents are modified and amended as of the date hereof as follows:</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 72pt; MARGIN-LEFT: 36pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(a)</font><font id="TAB2" style="LETTER-SPACING: 9pt; COLOR: black">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Revolving Loan Maturity Date Extension</font>.&#160;&#160;The definition of &#8220;Revolving Loan Maturity Date&#8221; set forth in Section 1.1 of the Credit Agreement is hereby amended and restated in its entirety to read as follows:</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 108pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#8220;<font style="DISPLAY: inline; FONT-WEIGHT: bold">Revolving Loan Maturity Date</font>&#8221; means March 31, 2016.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 72pt; MARGIN-LEFT: 36pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(b)</font><font id="TAB2" style="LETTER-SPACING: 9pt; COLOR: black">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Increase of Permitted Acquisitions Caps</font>.&#160;&#160;Section 6.21 of the Credit Agreement is hereby amended and restated in its entirety to read as follows:</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 108pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">6.21&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="DISPLAY: inline; TEXT-DECORATION: underline">Acquisition of All or Substantially All Assets</font>.&#160;&#160;Unless an Event of Default has occurred and is continuing or would occur as a result of such action, and provided that the amounts involved do not exceed $5,000,000 in any individual case or $10,000,000 in the aggregate, Borrower and Guarantor may, directly or indirectly, acquire by purchase, lease, or otherwise all or substantially all of the assets of any other Person; <font style="FONT-STYLE: italic; DISPLAY: inline">provided, however</font>, that, for the avoidance of doubt, if an Event of Default has occurred and is continuing or would occur as a result of the taking of any of the foregoing actions, or if the amounts involved exceed the caps specified in this Section, Borrower or Guarantor may not do or take any of the actions listed in this Section without the prior written consent of Lender.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 72pt; MARGIN-LEFT: 36pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(c)</font><font id="TAB2" style="LETTER-SPACING: 9pt; COLOR: black">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Conforming Modifications</font>.&#160;&#160;Each of the Loan Documents is modified to be consistent herewith and to provide that it shall be a default or an event of default thereunder if any Loan Party shall fail to comply with any of the covenants of any Loan Party contained herein or if any representation or warranty by any Loan Party contained herein or in the documents delivered in connection herewith by any Loan Party is materially incomplete, incorrect, or misleading as of the date hereof.&#160;&#160;In order to further effect certain of the foregoing modifications, Borrower and Guarantor agree to execute and deliver such other documents or instruments as Lender reasonably determines are necessary or desirable.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 72pt; MARGIN-LEFT: 36pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(d)</font><font id="TAB2" style="LETTER-SPACING: 9pt; COLOR: black">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">References</font>.&#160;&#160;Each reference in the Loan Documents to any of the Loan Documents shall be a reference to such document as modified herein or as modified on or about the date hereof.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 36pt; MARGIN-LEFT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">3.</font><font id="TAB2" style="LETTER-SPACING: 9pt; COLOR: black">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold; TEXT-DECORATION: underline">CONSENT TO NINETY-FIVE 5 LLC ACQUISITION</font>.&#160;&#160;Section 6.21 of the Credit Agreement requires that Borrower obtain Lender&#8217;s prior written consent to any acquisition above the acquisition caps set forth therein.&#160;&#160;Lender hereby consents to Borrower&#8217;s acquisition of Ninety-Five 5 LLC on the terms and conditions Borrower has disclosed previously in writing to Lender.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 36pt; MARGIN-LEFT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">4.</font><font id="TAB2" style="LETTER-SPACING: 9pt; COLOR: black">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold; TEXT-DECORATION: underline">RATIFICATION OF LOAN DOCUMENTS AND COLLATERAL</font>. The Loan Documents are ratified and affirmed by Borrower and shall remain in full force and effect as modified herein.&#160;&#160;Any property or rights to or interests in property granted as security in the Loan Documents shall remain as security for the Loan and the obligations of Borrower in the Loan Documents.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 36pt; MARGIN-LEFT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">5.</font><font id="TAB2" style="LETTER-SPACING: 9pt; COLOR: black">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold; TEXT-DECORATION: underline">FEES AND EXPENSES</font>.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 72pt; MARGIN-LEFT: 36pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(a)</font><font id="TAB2" style="LETTER-SPACING: 9pt; COLOR: black">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Fees and Expenses</font>.&#160;&#160;In consideration of Lender&#8217;s agreement to amend the Loan Documents as set forth herein, and in addition to any other fees or amounts payable by Borrower hereunder, Borrower has agreed to pay to Lender (i) all legal fees and expenses incurred by Lender in connection herewith; and (ii) all other costs and expenses incurred by Lender in connection with executing this Agreement and otherwise modifying the Loan Documents.&#160;&#160;Borrower acknowledges</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<br>
<div id="PGBRK" style="TEXT-INDENT: 0pt; WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">2</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<br>
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 36pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">and agrees that such fees are fully earned and nonrefundable as of the date this Agreement is executed and delivered by the parties hereto.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 72pt; MARGIN-LEFT: 36pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(b)</font><font id="TAB2" style="LETTER-SPACING: 9pt; COLOR: black">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Method of Payment</font>.&#160;&#160;Such fees shall be paid by Borrower to Lender on the date hereof or at such later date as such fees, costs and expenses are incurred by Lender.&#160;&#160;Borrower and Lender agree and acknowledge that the foregoing shall not relieve Borrower of its obligation to make future monthly payments of interest and other amounts as required under the terms of the Loan.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 36pt; MARGIN-LEFT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">6.</font><font id="TAB2" style="LETTER-SPACING: 9pt; COLOR: black">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold; TEXT-DECORATION: underline">BORROWER REPRESENTATIONS AND WARRANTIES</font>.&#160;&#160;Each of Borrower and Guarantor represents and warrants to Lender:&#160;&#160;(a) No default or event of default under any of the Loan Documents as modified herein, nor any event, that, with the giving of notice or the passage of time or both, would be a default or an event of default under the Loan Documents as modified herein has occurred and is continuing; (b) There has been no material adverse change in the financial condition of Borrower or Guarantor or any other person whose financial statement has been delivered to Lender in connection with the Loan from the most recent financial statement received by Lender; (c) Each and all representations and warranties of Borrower and Guarantor in the Loan Documents are accurate on the date hereof; (d) Neither Borrower nor Guarantor has any claims, counterclaims, defenses, or set-offs with respect to the Loan or the Loan Documents as modified herein; (e) The Loan Documents as modified herein are the legal, valid, and binding obligation of Borrower and Guarantor, enforceable against Borrower and Guarantor in accordance with their terms; (f) Each of Borrower and each Guarantor is validly existing under the laws of the State of its formation or organization, has not changed its legal name as set forth above, and has the requisite power and authority to execute and deliver this Agreement and to perform the Loan Documents as modified herein; (g) The execution and delivery of this Agreement and the performance of the Loan Documents as modified herein have been duly authorized by all requisite action by or on behalf of Borrower and Guarantor; and (h) This Agreement has been duly executed and delivered on behalf of Borrower and Guarantor.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 36pt; MARGIN-LEFT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">7.</font><font id="TAB2" style="LETTER-SPACING: 9pt; COLOR: black">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold; TEXT-DECORATION: underline">BORROWER AND GUARANTOR COVENANTS</font>.&#160;&#160;Each of Borrower and Guarantor covenants with Lender:</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 72pt; MARGIN-LEFT: 36pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(a)</font><font id="TAB2" style="LETTER-SPACING: 9pt; COLOR: black">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Each of Borrower and Guarantor shall execute, deliver, and provide to Lender such additional agreements, documents, and instruments as reasonably required by Lender to effectuate the intent of this Agreement.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 72pt; MARGIN-LEFT: 36pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(b)</font><font id="TAB2" style="LETTER-SPACING: 9pt; COLOR: black">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Each of Borrower and Guarantor fully, finally, and forever releases and discharges Lender and its successors, assigns, directors, officers, employees, agents, and representatives from any and all actions, causes of action, claims, debts, demands, liabilities, obligations, and suits, of whatever kind or nature, in law or equity, that either Borrower or Guarantor has or in the future may have, whether known or unknown, (i) in respect of the Loan, the Loan Documents, or the actions or omissions of Lender in respect of the Loan or the Loan Documents and (ii) arising from events occurring prior to the date of this Agreement.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 72pt; MARGIN-LEFT: 36pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(c)</font><font id="TAB2" style="LETTER-SPACING: 9pt; COLOR: black">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Contemporaneously with the execution and delivery of this Agreement, Borrower has paid to Lender all of the internal and external costs and expenses incurred by Lender in connection with this Agreement (including, without limitation, inside and outside attorneys, appraisal, appraisal review, processing, title, filing, and recording costs, expenses, and fees).</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 72pt; MARGIN-LEFT: 36pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(d)</font><font id="TAB2" style="LETTER-SPACING: 9pt; COLOR: black">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">On or prior to the execution and delivery of this Agreement, each of Borrower and Guarantor shall have executed and delivered, or caused to be executed and delivered, to Lender, each in form and substance satisfactory to Lender, such other documents, instruments, resolutions, subordinations, and other agreements as Lender may require in its sole discretion.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 36pt; MARGIN-LEFT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">8.</font><font id="TAB2" style="LETTER-SPACING: 9pt; COLOR: black">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold; TEXT-DECORATION: underline">EXECUTION AND DELIVERY OF AGREEMENT BY LENDER</font>.&#160;&#160;Lender shall not be bound by this Agreement until (a) Lender has executed and delivered this Agreement to Borrower and</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<br>
<div id="PGBRK" style="TEXT-INDENT: 0pt; WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">3</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<br>
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Guarantor, (b) each of Borrower and Guarantor has performed all of the obligations of Borrower and Guarantor under this Agreement to be performed contemporaneously with the execution and delivery of this Agreement, if any, (c) Borrower has paid all fees and costs required under <font style="DISPLAY: inline; FONT-WEIGHT: bold">Section 5</font> hereof, and (d) each Guarantor has executed and delivered to Lender a Consent and Agreement of Guarantor in form and content acceptable to Lender.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 36pt; MARGIN-LEFT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">9.</font><font id="TAB2" style="LETTER-SPACING: 9pt; COLOR: black">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold; TEXT-DECORATION: underline">INTEGRATION, ENTIRE AGREEMENT, CHANGE, DISCHARGE, TERMINATION, OR WAIVER</font>.&#160;&#160;The Loan Documents as modified herein contain the complete understanding and agreement of Borrower, Guarantor and Lender in respect of the Loan and supersede all prior representations, warranties, agreements, arrangements, understandings, and negotiations.&#160;&#160;No provision of the Loan Documents as modified herein may be changed, discharged, supplemented, terminated, or waived except in a writing signed by the parties thereto.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 36pt; MARGIN-LEFT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">10.</font><font id="TAB2" style="LETTER-SPACING: 9pt; COLOR: black">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold; TEXT-DECORATION: underline">BINDING EFFECT</font>.&#160;&#160;The Loan Documents, as modified herein, shall be binding upon and shall inure to the benefit of Borrower, Guarantor and Lender and their successors and assigns; <font style="FONT-STYLE: italic; DISPLAY: inline">provided, however</font>, neither Borrower nor Guarantor may assign any of its rights or delegate any of its obligations under the Loan Documents and any purported assignment or delegation shall be void.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 36pt; MARGIN-LEFT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">11.</font><font id="TAB2" style="LETTER-SPACING: 9pt; COLOR: black">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold; TEXT-DECORATION: underline">GOVERNING LAW</font>. THIS AGREEMENT AND THE TRANSACTIONS CONTEMPLATED HEREUNDER SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF UTAH WITHOUT GIVING EFFECT TO CONFLICT OF LAWS PRINCIPLES.&#160;&#160;THE PARTIES AGREE THAT ALL ACTIONS OR PROCEEDINGS ARISING IN CONNECTION WITH THIS AGREEMENT AND THE OTHER LOAN DOCUMENTS SHALL BE TRIED AND LITIGATED ONLY IN THE STATE AND FEDERAL COURTS LOCATED IN THE COUNTY OF SALT LAKE, STATE OF UTAH OR, AT THE SOLE OPTION OF LENDER, IN ANY OTHER COURT IN WHICH LENDER SHALL INITIATE LEGAL OR EQUITABLE PROCEEDINGS AND WHICH HAS SUBJECT MATTER JURISDICTION OVER THE MATTER IN CONTROVERSY.&#160;&#160;EACH OF THE PARTIES WAIVES, TO THE EXTENT PERMITTED UNDER APPLICABLE LAW, ANY RIGHT EACH MAY HAVE TO ASSERT THE DOCTRINE OF FORUM NON CONVENIENS OR TO OBJECT TO VENUE TO THE EXTENT ANY PROCEEDING IS BROUGHT IN ACCORDANCE WITH THIS SECTION.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 36pt; MARGIN-LEFT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">12.</font><font id="TAB2" style="LETTER-SPACING: 9pt; COLOR: black">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold; TEXT-DECORATION: underline">COUNTERPART EXECUTION</font>.&#160;&#160;This Agreement may be executed in one or more counterparts, each of which shall be deemed an original and all of which together shall constitute one and the same document.&#160;&#160;Signature pages may be detached from the counterparts and attached to a single copy of this Agreement to physically form one document. Receipt by the Lender of an executed copy of this Agreement by facsimile or email shall constitute conclusive evidence of execution and delivery of this Agreement by the signatory thereto.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">[Remainder of Page Intentionally Left Blank]</font></div>

<br>
<div id="PGBRK" style="TEXT-INDENT: 0pt; WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">4</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<br>
<div style="TEXT-INDENT: 36pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">DATED as of the date first above stated.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="MARGIN-LEFT: 198pt" align="left">
<table cellpadding="0" cellspacing="0" width="32%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td colspan="2" valign="top" width="32%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">FRANKLIN COVEY CO.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">a Utah corporation</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
</td>
</tr><tr>
<td valign="top" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">By:</font></div>
</td>
<td valign="top" width="25%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; /s/ Stephen D. Young</font></div>
</td>
</tr><tr>
<td valign="top" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Name:</font></div>
</td>
<td valign="top" width="25%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; Stephen D. Young</font></div>
</td>
</tr><tr>
<td valign="top" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Title:</font></div>
</td>
<td valign="top" width="25%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; Executive Vice President and Chief Financial Officer</font></div>
</td>
</tr><tr>
<td valign="top" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="25%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#8220;<font style="DISPLAY: inline; FONT-WEIGHT: bold">Borrower</font>&#8221;</font></div>
</td>
</tr><tr>
<td colspan="2" valign="top" width="32%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">FRANKLIN DEVELOPMENT CORPORATION</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">a Utah corporation</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
</td>
</tr><tr>
<td valign="top" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">By:</font></div>
</td>
<td valign="top" width="25%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; /s/ Stephen D. Young</font></div>
</td>
</tr><tr>
<td valign="top" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Name:</font></div>
</td>
<td valign="top" width="25%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; Stephen D. Young</font></div>
</td>
</tr><tr>
<td valign="top" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Title:</font></div>
</td>
<td valign="top" width="25%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; President</font></div>
</td>
</tr><tr>
<td colspan="2" valign="top" width="32%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">FRANKLIN COVEY TRAVEL, INC.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">a Utah corporation</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
</td>
</tr><tr>
<td valign="top" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">By:</font></div>
</td>
<td valign="top" width="25%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; /s/ Stephen D. Young</font></div>
</td>
</tr><tr>
<td valign="top" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Name:</font></div>
</td>
<td valign="top" width="25%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; Stephen D. Young</font></div>
</td>
</tr><tr>
<td valign="top" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Title:</font></div>
</td>
<td valign="top" width="25%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; President</font></div>
</td>
</tr><tr>
<td colspan="2" valign="top" width="32%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">FRANKLIN COVEY CLIENT SALES, INC.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">a Utah corporation<br>
</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
</td>
</tr><tr>
<td valign="top" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">By:</font></div>
</td>
<td valign="top" width="25%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; /s/ Stephen D. Young</font></div>
</td>
</tr><tr>
<td valign="top" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Name:</font></div>
</td>
<td valign="top" width="25%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; Stephen D. Young</font></div>
</td>
</tr><tr>
<td valign="top" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Title:</font></div>
</td>
<td valign="top" width="25%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; President</font></div>
</td>
</tr><tr>
<td valign="top" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="25%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 216pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#8220;<font style="DISPLAY: inline; FONT-WEIGHT: bold">Guarantor</font>&#8221;</font></div>
</td>
</tr></table>
</div>

<br>
<div id="PGBRK" style="TEXT-INDENT: 0pt; WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<br>
<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="MARGIN-LEFT: 198pt" align="left">
<table cellpadding="0" cellspacing="0" width="32%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td colspan="2" valign="top" width="32%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">JPMORGAN CHASE BANK, N.A.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">a national banking association</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
</td>
</tr><tr>
<td valign="top" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">By:</font></div>
</td>
<td valign="top" width="25%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; /s/ Tony C. Nielsen</font></div>
</td>
</tr><tr>
<td valign="top" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Name:</font></div>
</td>
<td valign="top" width="25%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; Tony C. Nielsen</font></div>
</td>
</tr><tr>
<td valign="top" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Title:</font></div>
</td>
<td valign="top" width="25%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; Senior Vice President</font></div>
</td>
</tr><tr>
<td valign="top" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="25%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#8220;Lender&#8221;</font></div>
</td>
</tr></table>
</div>

<br>
<br>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.2
<SEQUENCE>3
<FILENAME>exhibit10_2.htm
<DESCRIPTION>EXHIBIT 10.2 CONSENT AND AGREEMENT OF GUARANTOR
<TEXT>
<html>
<head>
    <title>exhibit10_2.htm</title>
    <!--Licensed to: FranklinCovey-->
    <!--Document Created using EDGARizer 2020 5.4.1.0-->
    <!--Copyright 1995 - 2009 Thomson Reuters. All rights reserved.-->
</head>
<body bgcolor="#ffffff" style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">
<div>&#160;</div>

<div>&#160;</div>

<div>
<hr style="MARGIN-TOP: -5px; COLOR: #000000" noshade size="4">
<hr style="MARGIN-TOP: -10px; COLOR: #000000" noshade size="1">
</div>

<div><font style="FONT-WEIGHT: bold">&#160;</font></div>

<div style="TEXT-ALIGN: right"><font style="FONT-WEIGHT: bold">Exhibit 10.2<br>
<br>
</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">CONSENT AND AGREEMENT OF GUARANTOR</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 36pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">With respect to that certain Third Modification Agreement of even date herewith (the &#8220;<font style="DISPLAY: inline; FONT-WEIGHT: bold">Modification</font>&#8221;), by and between <font style="DISPLAY: inline; FONT-WEIGHT: bold">FRANKLIN COVEY CO., </font>a Utah corporation (&#8220;<font style="DISPLAY: inline; FONT-WEIGHT: bold">Borrower</font>&#8221;), and <font style="DISPLAY: inline; FONT-WEIGHT: bold">JPMORGAN CHASE BANK, N.A.</font>, a national banking association (&#8220;<font style="DISPLAY: inline; FONT-WEIGHT: bold">Lender</font>&#8221;), the undersigned, <font style="DISPLAY: inline; FONT-WEIGHT: bold">FRANKLIN DEVELOPMENT CORPORATION</font>, a Utah corporation, <font style="DISPLAY: inline; FONT-WEIGHT: bold">FRANKLIN COVEY TRAVEL, INC.</font>, a Utah corporation, and <font style="DISPLAY: inline; FONT-WEIGHT: bold">FRANKLIN COVEY CLIENT SALES, INC.</font>, a Utah corporation (individually and collectively, as the context requires, and jointly and severally, &#8220;<font style="DISPLAY: inline; FONT-WEIGHT: bold">Guarantor</font>&#8221;), agree for the benefit of Lender as of March 25, 2013 as follows:</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 36pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">1.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Guarantor acknowledges (i) receiving a copy of and reading the Modification, (ii)&#160;the accuracy of the Recitals in the Modification, and (iii) the effectiveness of (A) Guarantor&#8217;s Amended and Restated Repayment Guaranty dated as of March 14, 2011 (as amended and modified from time to time, the &#8220;<font style="DISPLAY: inline; FONT-WEIGHT: bold">Guaranty</font>&#8221;), executed by Guarantor in favor of Lender, as modified herein, and (B) any other agreements, documents, or instruments securing or otherwise relating to the Guaranty or the Loan (including, without limitation, any security agreement, arbitration resolution and any environmental indemnity agreement previously executed and delivered by the undersigned), as modified herein.&#160;&#160;The Guaranty and such other agreements, documents, and instruments, as modified herein, are referred to individually and collectively as the &#8220;<font style="DISPLAY: inline; FONT-WEIGHT: bold">Guarantor Documents</font>.&#8221;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 36pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">2.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Guarantor consents to the provisions of the Modification and the modification of the Loan Documents as contained therein.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 36pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">3.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Guarantor fully, finally, and forever releases and discharges Lender and its successors, assigns, directors, officers, employees, agents, and representatives from any and all actions, causes of action, claims, debts, demands, liabilities, obligations, and suits of whatever kind or nature, in law or equity, that Guarantor has or in the future may have, whether known or unknown, (i) in respect of the Loan, the Loan Documents, the Guarantor Documents, or the actions or omissions of Lender in respect of the Loan, the Loan Documents, or the Guarantor Documents, and (ii) arising from events occurring prior to the date hereof.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 36pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">4.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Guarantor agrees that all references in the Guarantor Documents, if any, to the Loan, the Credit Agreement, the Note and the Loan Documents shall be deemed to refer to such agreements, documents, and instruments as modified by the Modification.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 36pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">5.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Guarantor reaffirms the Guarantor Documents and agrees that the Guarantor Documents continue in full force and effect and remain unchanged, except as specifically modified by this Consent and Agreement of Guarantor.&#160;&#160;Any property or rights to or interests in property granted as security in the Guarantor Documents shall remain as security for the Guaranty and the obligations of Guarantor in the Guaranty.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 36pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">6.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Guarantor agrees that the Loan Documents, as modified by the Modification, and the Guarantor Documents, as modified by this Consent and Agreement of Guarantor, are the legal, valid, and binding obligations of Borrower and the undersigned, respectively, enforceable in accordance with their terms against Borrower and the undersigned, respectively.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 36pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">7.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Each of the undersigned agrees that this Consent and Agreement of Guarantor and the Guarantor Documents shall be effective against each of the undersigned, jointly and severally, notwithstanding the failure of one or more of the other Guarantors to sign this Consent and Agreement of Guarantor, and each of the undersigned acknowledges and agrees that the Loan Documents, as modified by the Modification, and the Guarantor Documents, as modified by this Consent and Agreement of Guarantor, shall be legal, valid, binding and enforceable obligations of Borrower and the undersigned, respectively, notwithstanding the failure of one or more of the Guarantors to sign this Consent and Agreement of Guarantor.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<br>
<div id="PGBRK" style="TEXT-INDENT: 0pt; WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 36pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">8.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Guarantor agrees that Guarantor has no claims, counterclaims, defenses, or offsets with respect to the enforcement against Guarantor of the Guarantor Documents.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 36pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">9.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Each Guarantor represents and warrants to Lender that (a) there has been no material adverse change in Guarantor&#8217;s financial condition from the most recent financial statement received by Lender; (b) it is validly existing under the laws of the State of its formation or organization, has not changed its legal name as set forth below, and has the requisite power and authority to execute and deliver this Consent and Agreement of Guarantor and to perform the Guarantor Documents, as modified herein; (c) the execution and delivery of this Consent and Agreement of Guarantor and the performance of the Guarantor Documents as modified herein have been duly authorized by all requisite action by or on behalf of Guarantor; and (d) this Consent and Agreement of Guarantor has been duly executed and delivered on behalf of Guarantor.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 36pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">10.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;All capitalized terms used herein without definition shall have and be interpreted consistent with the meaning ascribed to them in the Modification.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 36pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">11.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;This Consent and Agreement of Guarantor may be executed in one or more counterparts, each of which shall be deemed an original and all of which together shall constitute one and the same document.&#160;&#160;Each Guarantor may sign on a separate counterpart and such signature page may be delivered to Lender via facsimile or email which shall constitute conclusive evidence of execution.&#160;&#160;Signature pages may be detached from the counterparts and attached to a single copy of this Consent and Agreement of Guarantor to physically form one document.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 36pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">12.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;This Consent and Agreement of Guarantor shall be governed by and construed in accordance with the laws of the State of Utah, without giving effect to conflicts of law principles.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">[Remainder of Page Intentionally Left Blank]</font></div>

<br>
<div id="PGBRK" style="TEXT-INDENT: 0pt; WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<br>
<div style="TEXT-INDENT: 36pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">DATED as of the date first above stated.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="MARGIN-LEFT: 198pt" align="left">
<table cellpadding="0" cellspacing="0" width="32%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td colspan="2" valign="top" width="32%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">FRANKLIN DEVELOPMENT CORPORATION</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">a Utah corporation</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
</td>
</tr><tr>
<td align="left" valign="top" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">By:</font></div>
</td>
<td valign="top" width="25%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; /s/ Stephen D. Young</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Name:</font></div>
</td>
<td valign="top" width="25%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; Stephen D. Young</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Title:</font></div>
</td>
<td valign="top" width="25%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; President</font></div>
</td>
</tr><tr>
<td colspan="2" valign="top" width="32%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">FRANKLIN COVEY TRAVEL, INC.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">a Utah corporation</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
</td>
</tr><tr>
<td align="left" valign="top" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">By:</font></div>
</td>
<td valign="top" width="25%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; /s/ Stephen D. Young</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Name:</font></div>
</td>
<td valign="top" width="25%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; Stephen D. Young</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Title:</font></div>
</td>
<td valign="top" width="25%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; President</font></div>
</td>
</tr><tr>
<td colspan="2" valign="top" width="32%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">FRANKLIN COVEY CLIENT SALES, INC.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">a Utah corporation</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
</td>
</tr><tr>
<td align="left" valign="top" width="7%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">By:</font></div>
</td>
<td valign="top" width="25%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; /s/ Stephen D. Young</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Name:</font></div>
</td>
<td valign="top" width="25%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; Stephen D. Young</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Title:</font></div>
</td>
<td valign="top" width="25%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; President</font></div>
</td>
</tr><tr>
<td valign="top" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="25%">
<div style="TEXT-INDENT: 216pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#8220;<font style="DISPLAY: inline; FONT-WEIGHT: bold">Guarantor</font>&#8221;</font></div>
</td>
</tr></table>
</div>

<br>
<br>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>4
<FILENAME>newcolorlogo.jpg
<DESCRIPTION>FRANKLIN COVEY LOGO
<TEXT>
begin 644 newcolorlogo.jpg
M_]C_X``02D9)1@`!`0$!+`$L``#_X0RZ17AI9@``34T`*@````@`#`$```,`
M```!`P````$!``,````!`,T```$"``,````#````G@$&``,````!``(```$2
M``,````!``$```$5``,````!``,```$:``4````!````I`$;``4````!````
MK`$H``,````!``(```$Q``(````@````M`$R``(````4````U(=I``0````!
M````Z````2``"``(``@`+<;````G$``MQL```"<0061O8F4@4&AO=&]S:&]P
M($-3-B`H36%C:6YT;W-H*0`R,#$R.C`X.C,Q(#`Y.C0Q.C`X```$D```!P``
M``0P,C(QH`$``P````'__P``H`(`!`````$```,HH`,`!`````$```#]````
M``````8!`P`#`````0`&```!&@`%`````0```6X!&P`%`````0```78!*``#
M`````0`"```"`0`$`````0```7X"`@`$`````0``"S,`````````2`````$`
M``!(`````?_8_]L`0P`(!@8'!@4(!P<'"0D("@P4#0P+"PP9$A,/%!T:'QX=
M&AP<("0N)R`B+",<'"@W*2PP,30T-!\G.3TX,CPN,S0R_]L`0P$)"0D,"PP8
M#0T8,B$<(3(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R_\``$0@`,@"@`P$A``(1`0,1`?_$`!\```$%`0$!`0$!
M```````````!`@,$!08'"`D*"__$`+40``(!`P,"!`,%!00$```!?0$"`P`$
M$042(3%!!A-180<B<10R@9&A""-"L<$54M'P)#-B<H()"A87&!D:)28G*"DJ
M-#4V-S@Y.D-$149'2$E*4U155E=865IC9&5F9VAI:G-T=79W>'EZ@X2%AH>(
MB8J2DY25EI>8F9JBHZ2EIJ>HJ:JRL[2UMK>XN;K"P\3%QL?(R<K2T]35UM?8
MV=KAXN/DY>;GZ.GJ\?+S]/7V]_CY^O_$`!\!``,!`0$!`0$!`0$````````!
M`@,$!08'"`D*"__$`+41``(!`@0$`P0'!00$``$"=P`!`@,1!`4A,08205$'
M87$3(C*!"!1"D:&QP0DC,U+P%6)RT0H6)#3A)?$7&!D:)B<H*2HU-C<X.3I#
M1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H*#A(6&AXB)BI*3E)66
MEYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&Q\C)RM+3U-76U]C9VN+CY.7F
MY^CIZO+S]/7V]_CY^O_:``P#`0`"$0,1`#\`]_HH`C>=$GCA)^>0$J/8=?YB
MI*`"B@`HH`**`"B@`HH`**`"B@`HH`*@N[RVL+=KB[GC@A7J\C!0*$KB;MJS
MD;7Q7I^L>,$>QE:6UL]/F=W",,DLF<`C)X7]:Z+2/$&E:Y$7TZ\CFQ]Y.0R_
M53R*TG3DOD9PJ1D_4TZQ-=\4Z=X<FLHM06Y!O91!`T<+.'D/1,CH3[UF:CT\
M2V9U:TTR:&\M[F[#F#SK=E5RHW$!NF<9.,]JV*`"J>JZI::+I=QJ-\[1VMNA
M>5UC9RJCJ<*":`)+*]@U#3K>_MV+6]Q$LT;%2"589!Q]#5'2/$NE:W9S7=E<
M_N(;EK5VF1HB)00"N&`.<D#ZT`:U17-S!9VTMS<S1PP1*7DDD8*J@=22>@H`
MR&\56*::=2:"^&GA=YN?LKXV_P![;C=M[YVXQSTK6L[RVU"SAN[2>.>WF4/'
M+&V593T(-`$U%`!10`R:6."%YI7"1QJ69CT`')->/PQZC\3O$LKO,UOI=L<@
M?\\U/0`="[8YST_`"MJ-HWF^ASU[R:@NIW.D>!['0=<6]L'<0-:M!+%(Q8DD
MJ=P/O@Y'Y8KD?%?@J3PQC7O#\\L20-N:/=EH0>,J>Z\X(/;U%5"K>6O4FI12
MA[O0[WPIKZ^(]!BO2%6<$QS(O17'7\",'\:Y;XK-(I\(>4GF2?\`"0VQ5"VW
M<0&P,]JQE'EDT=$)<T4Q?%7B+Q!IPNKR?P[9^1IUA)?P-+.9%,RLJ_>5?E(1
MFP/XL]1@UJ1ZWXDA@M+C4XM&M;:\*D3B=BMN"A.&#%3(S'``7'<GH`9*,5/B
M!K-U9:0UI:6!GNM;ETB9Y"X3*;L2*!S@A<X)]O<3Z]KNHM:>,O#FII:O)!H4
MEY#<6R,@='212&5F;!!4]SD4`3^"M:N=6TG1+31;FPEL;*PMXM0D=2SI+Y:'
MRTPPYP>21@>YR!RZWJV'AG79Y-,M+^+_`(3.5'2Y)PFZ=0'4`<D$CN/Z4`=L
M=8\0W7C/5=#M5TR""UM8;F*>59)&;>7&UE!7NAY!XQT.>.,\4>(+CQ+X=\()
M?P);QWGB!;/48$8M&YBD92N3U4LF<'VH`]@P,8KEH-12T\11^$-"@AMTL[/[
M5.\JLZ1(S81%&X$DG<>N`!WSP`8TWC[4+?Q$FESQ6:1VNHI8ZA-Y;$*)5W02
M+\W`;[I!SM/<BKEUXRNK;Q-_9$C6<27$\@M[AT;"PQ*OF,PW?,WF-Y8`Q]TM
MZ`@&=<?$#5;?5;:%X+1=/&IKI]S>>2Y#"1=T4D8W8P>4;D[2,\YP.OT74+[4
M+W5O/$/V*WNO(M'2-E,@51O)R3G#DIP!RA/?@`9XMD>/PS?GR/.A\EO.43>6
MVS'.T[6YQ6#\/-2BNK22WTO0?L.GQL3).]T9"\A'3E<D].X`&/I6J7[MNYC)
MVJI6.YK)\27DUCHMQ/'IRZA$J'SX3+LS'CYCT.>.H]*SBKLTD[)LY?X;W5K<
MC4&TO3#969D4R*]V9,-@_=!7/3&<GTK0\8^%=4\37NDR6VIVEI#IMW'>QK):
MM(SR+G@D.!MY],^]755INY%%IP5C0\3:+?\`B'PE=:,MY;V\]W#Y,TY@9E`(
M^8JNX'Z9)_&LRZ\*ZRVJ:)JEKJED+S3[5[219[5GA*MC]XB!P5?`Q][D'&:S
M-3+C^'6K6\EKY.N6;);:U)K">98MN9WW90XDQCYCR/:KNM^"]6U37-8OX=6L
MH8]2TO\`LLQO:,QC0[CNSY@RV7;MCI^(!%;^!-6TZZT:^TO5[*UOK*T6SNW^
MQL4OHU`";U\P8(`ZY)R?3BJTOP[UB71+_36UNQ_TS6/[6:063_*V\.4`\SIN
M4<YZ9H`W[+0=9M_%=_K<NH6+B[M([?R%M779Y9<J=V\YY=LC'3%4+/X?+-X3
MNM`UR[CNTDNY+R&>UB,$D$CR&3<I+-@AF.#Z<'-`&M%9^*HK86K:KITI`P+U
M[1O,Q[QA]I;WR!_L]JHVG@MM$U&#4]&N@;P6YM[K[8"1=`N9-Q*XVON9CD`C
MDC'0@`9+X"@O-'U^&^N5FU'6R'GNDCV+&R@"+8N3@)@'J23G/6I+SP;,!I%[
MIFHB#5],CD19YXO,CN!)S()%!'WF^;((P?7I0!7\7V@N/`E]I_B/4;1[R]79
M:B%?)!N.L2Q@L6+;@O?\`.*W-`TB]TF*5+S4VO=^UAF((%?DNP`_O$YQT_,T
M`:L\$5S;R03('BD4HZGN",$5Y!:7-_\`#+Q+/!<0O/IMSC##_EHHZ,O;<,X(
M_P#K&MZ/O)P?4YZ]XM370[S3/&^F:SJPM+%F>)+9[B:9U*!,$#&#]22>G].0
M\6^./^$AC&A^'XIIA<$*\@4@R#^ZHZX]2>U.%)J6O052LG#W>IW'A#P^/#F@
M16;;3<.3).R]"Y_P``_"M*_OFLE#^09$VLQ(8#&T$_TK&4N:39O"/+%(BMM7
M2ZO/LZPNIVLV7X/#,O3_`(#^M0-X@@%O)*(R=D32A=X!;"JQ`]QN_0U)1(=:
M5;K[.UM+N&T,PP57)`Y/XU$=?'D><+5]F"3N;!'S`<C_`($I^AH`LRZJD00F
M/.Z`S'YP.,$X7/WCQ5>37XXU!-M*V<99"&4?,PZ_\!_6@!3K9PW^B.&6$S%6
M.TXR1W'MFI4U8M,J&V8`[P3N'!5PI_4B@!L.M)-/;Q+"P\YF7+'&"N-P_`DC
MZ@U'+XBMXW=5B=MDA0]B0`>5SUR00/7%`#AKT?F*C6\JY+*2<84@<@_C\ON:
M:=?08)MI`N'SN(!RNWY<>I+`"@"I<Z[ITDRW#V`EEMMIA>5!O0OL!QD$K]\`
M_0CM70HV^-6XY`/!S0`ZJU]I]IJ5JUM>V\<\+=4D7(IIV=T)I-69S<?P^TBV
MNIGLQ-!!<P/!/&LI/RL5/!.2.A'XUL:1X;TC0@W]G620LPPSY+,1Z;CDXJY5
M925C.-&,7=&K169J)@9SBC:/04`+@4F!Z4`&!Z48'I0`N!Z48%`"8'I1@>E`
M!@4N!Z4`)@>@I:`"B@`HH`**`"B@`HH`**`"B@`HH`**`"B@#__9`/_M%EY0
M:&]T;W-H;W`@,RXP`#A"24T$!```````.1P!6@`#&R5''`%:``,;)4<<`@``
M`@``'`(%`!U#;W)P7TQO9V]?6S$N,"XP75]454-!7U!-4U]/3``X0DE-!"4`
M`````!`U"Q%9!1/<539#69)2X)O_.$))300Z``````#U````$`````$`````
M``MP<FEN=$]U='!U=`````4`````4'-T4V)O;VP!`````$EN=&5E;G5M````
M`$EN=&4`````0VQR;0````]P<FEN=%-I>'1E96Y":71B;V]L``````MP<FEN
M=&5R3F%M951%6%0````)`$T`90!G`&$`=`!R`&\`;@``````#W!R:6YT4')O
M;V93971U<$]B:F,````,`%``<@!O`&\`9@`@`%,`90!T`'4`<```````"G!R
M;V]F4V5T=7`````!`````$)L=&YE;G5M````#&)U:6QT:6Y0<F]O9@````EP
M<F]O9D--64L`.$))300[``````(M````$`````$``````!)P<FEN=$]U='!U
M=$]P=&EO;G,````7`````$-P=&YB;V]L``````!#;&)R8F]O;```````4F=S
M36)O;VP``````$-R;D-B;V]L``````!#;G1#8F]O;```````3&)L<V)O;VP`
M`````$YG='9B;V]L``````!%;6Q$8F]O;```````26YT<F)O;VP``````$)C
M:V=/8FIC`````0```````%)'0D,````#`````%)D("!D;W5B0&_@````````
M````1W)N(&1O=6)`;^````````````!";"`@9&]U8D!OX````````````$)R
M9%15;G1&(U)L=````````````````$)L9"!5;G1&(U)L=```````````````
M`%)S;'15;G1&(U!X;$!RP```````````"G9E8W1O<D1A=&%B;V]L`0````!0
M9U!S96YU;0````!09U!S`````%!G4$,`````3&5F=%5N=$8C4FQT````````
M````````5&]P(%5N=$8C4FQT````````````````4V-L(%5N=$8C4')C0%D`
M```````````08W)O<%=H96Y0<FEN=&EN9V)O;VP`````#F-R;W!296-T0F]T
M=&]M;&]N9P`````````,8W)O<%)E8W1,969T;&]N9P`````````-8W)O<%)E
M8W12:6=H=&QO;F<`````````"V-R;W!296-T5&]P;&]N9P``````.$))30/M
M```````0`2P````!``$!+`````$``3A"24T$)@``````#@`````````````_
M@```.$))30/R```````*``#_______\``#A"24T$#0``````!````!XX0DE-
M!!D```````0````>.$))30/S```````)```````````!`#A"24TG$```````
M"@`!``````````$X0DE-`_4``````$@`+V9F``$`;&9F``8```````$`+V9F
M``$`H9F:``8```````$`,@````$`6@````8```````$`-0````$`+0````8`
M``````$X0DE-`_@``````'```/____________________________\#Z```
M``#_____________________________`^@`````____________________
M_________P/H`````/____________________________\#Z```.$))300(
M```````0`````0```D````)``````#A"24T$'@``````!``````X0DE-!!H`
M`````UD````&``````````````#]```#*````!(`1@!#`%\`5`!5`$,`00!?
M`$P`;P!G`&\`7P!C`&\`;`!O`'(````!``````````````````````````$`
M`````````````R@```#]``````````````````````$`````````````````
M````````$`````$```````!N=6QL`````@````9B;W5N9'-/8FIC`````0``
M`````%)C=#$````$`````%1O<"!L;VYG``````````!,969T;&]N9P``````
M````0G1O;6QO;F<```#]`````%)G:'1L;VYG```#*`````9S;&EC97-6;$QS
M`````4]B:F,````!```````%<VQI8V4````2````!W-L:6-E241L;VYG````
M``````=G<F]U<$E$;&]N9P`````````&;W)I9VEN96YU;0````Q%4VQI8V5/
M<FEG:6X````-875T;T=E;F5R871E9`````!4>7!E96YU;0````I%4VQI8V54
M>7!E`````$EM9R`````&8F]U;F1S3V)J8P````$```````!28W0Q````!```
M``!4;W`@;&]N9P``````````3&5F=&QO;F<``````````$)T;VUL;VYG````
M_0````!29VAT;&]N9P```R@````#=7)L5$585`````$```````!N=6QL5$58
M5`````$```````!-<V=E5$585`````$```````9A;'1486=415A4`````0``
M````#F-E;&Q497AT27-(5$U,8F]O;`$````(8V5L;%1E>'1415A4`````0``
M````"6AO<GI!;&EG;F5N=6T````/15-L:6-E2&]R>D%L:6=N````!V1E9F%U
M;'0````)=F5R=$%L:6=N96YU;0````]%4VQI8V5697)T06QI9VX````'9&5F
M875L=`````MB9T-O;&]R5'EP965N=6T````115-L:6-E0D=#;VQO<E1Y<&4`
M````3F]N90````ET;W!/=71S971L;VYG``````````IL969T3W5T<V5T;&]N
M9P`````````,8F]T=&]M3W5T<V5T;&]N9P`````````+<FEG:'1/=71S971L
M;VYG```````X0DE-!"@```````P````"/_`````````X0DE-!!$```````$!
M`#A"24T$%```````!`````$X0DE-!`P`````#/T````!````H````#(```'@
M``!=P```#.$`&``!_]C_[0`,061O8F5?0TT``O_N``Y!9&]B90!D@`````'_
MVP"$``P("`@)"`P)"0P1"PH+$14/#`P/%1@3$Q43$Q@1#`P,#`P,$0P,#`P,
M#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P!#0L+#0X-$`X.$!0.#@X4%`X.#@X4
M$0P,#`P,$1$,#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#/_`
M`!$(`#(`H`,!(@`"$0$#$0'_W0`$``K_Q`$_```!!0$!`0$!`0`````````#
M``$"!`4&!P@)"@L!``$%`0$!`0$!``````````$``@,$!08'"`D*"Q```00!
M`P($`@4'!@@%`PPS`0`"$0,$(1(Q!4%181,B<8$R!A21H;%"(R054L%B,S1R
M@M%#!R624_#A\6-S-1:BLH,F1)-49$7"HW0V%])5XF7RLX3#TW7C\T8GE*2%
MM)7$U.3TI;7%U>7U5F9VAI:FML;6YO8W1U=G=X>7I[?'U^?W$0`"`@$"!`0#
M!`4&!P<&!34!``(1`R$Q$@1!46%Q(A,%,H&1%*&Q0B/!4M'P,R1BX7*"DD-3
M%6-S-/$E!A:BLH,')C7"TD235*,79$55-G1EXO*SA,/3=>/S1I2DA;25Q-3D
M]*6UQ=7E]59F=H:6IK;&UN;V)S='5V=WAY>GM\?_V@`,`P$``A$#$0`_`/54
MDD+)RL;$I=D95K**6?2LL<&M']IR2F3KF-M943[[`XM'DV-W_5*:YFCZPX'4
M?K$VS$>;L7"P,A[WACP2YUF+(8Q[6OLVUU?F?OK8Z9UKI756%_3\EE\"7,$M
M>`>"^FS;:S^TQ.,2.A\5HF#U'@WDDEF=6^L&!TBW'JS6W`YCVTX[F5.>U]KS
MMKQM]8=LN?\`F>IL35SII+,KZ_ANSJ,"VK(QLC+W?9Q=2]K7EC3;8QML.KWM
MK8Y^U[EII*4DDJ^?G8W3\.[.RW%F/CM+[7M8ZPM:/I/].EMEFUGTG^Q)3820
M</*IS<2C,H)-.36RZHD$$L>T6,EKO<WVN5;IW7.F=2Q[,K&M(IJN.,]UK74D
M6@MK]+9D-JLW^I8VKZ/\[[$E-]))0NNIHJ??>]M5-32^RQY#6M:T;G/>]WM:
MUJ2F:2Q_^<^#]B_:7H9?[.V[_MGH/V[(W>M]GC[=Z/\`POV3T]GZ7^:]ZT\;
M)Q\NBO)QK&W46M#J[6$.:YI_.:X)*2I)))*4DDDDI__0]3LL956ZVQP:Q@+G
MN/``$N<5YY13G_7?K#[K7NHZ=C$%HT_1L=_-LJ8[<S[9>UN^ZY_\S_VU6NQ^
MLKK&]$S2VKUJO1L]=@L-3_3VGU?2L]*_])L_D++^I><W(ILJP.ELP.GUO/J7
M>N;7.N+6>W:ZOU+'>GZ>^RRS]S^Q)#TQ,@-=K_=8IU*48DZ;U^\W.F_57#Z5
MU1N;@N<VHX[J+:7DO)<75V-O:]\_2]/]*S^;_P!'Z:Y[ZP_51_1`WK'0[+*F
M8QW.9)<^D<>I2]TNLQ_]/1=ZGZ+_`(+]&N]6?UW)OQ>F7758C,^MK3]HQWO%
M<U0?6C=7:RS:SZ53_P#!_P#;;U&<N(:W>AOJF>./"=*K45^BP^KO6!UGI=>6
MYH9>":\AC9AMC?I;9_,>W;;7_P`'8L7_`!A&P-^KWI-#[1UO$+&.=L:7`7;0
MZS;9L;N_D)_J-D47_;'=/P?L6&;&[VF]UH]38/YACZF[/T?I^I^F_P"MJ]]9
M/J_U#K5^`^G-JQ:NG9-6;6U]#KG.NJW;!8\9./\`H/?]!K/4_P"%39BI$;+L
M9N(._BYW7>L_6+$9D9.3TK&;7T_"MSL6QUCKZ_M%;JZM;A30_'MJQK;]E6S]
M<]79]IIV7J[9U7ZPXOI/ZC]@Q<;+<T5Y&\EF/[-_I7^O=BV=0ORK=M.,S$KQ
M]GZ2ZW_1/O\`7.EY75NB9'2Q>RBS+J]*V_TR]H#A%IKI]6OZ7^#W7>S_`(14
M\OZO]2MZCTWJE.90W,P*+,=XMQW64D6>GOOQJ?M-=F)?MKV;OM%N^K]%_P`8
MU<YK?K=UB[$Z>_'JQG6W]5LZ5DOL%C&$L];9D8]6YUM6]M._T[WOV?S7_"I=
M9ZKU,87UCZ'U3T+;:^D79F-DXS'U-=4^N_'?7?1=;D^G=7?4_P"AD6LLJ_T:
M,/J;U!GI!G4:RVGJMG5P7XY+G/L]3]7>YF2QFW]/;^E95_UKV?I+'5OJOG=1
MZCU#+;FU55]0Z>>EBHT.<65N+WNN]3[2SU+=UUO^#K9_-_Z/](E-;ZJ=3S,_
M`Z5C=)OQ7X.!B8]75'O!L>+?2J=]EQ757L;ZC6?S]MM?I4O_`$=?VB[[51C9
M5=_H=$ZK:<7'S&#ZR6M?7E`N:T/RJZO5K8WZ=S'O9^?7_;_F;=FCZH9V'9TS
M*P,^O&S,'';B9=OH.<S+JK#:\=N11]I9L=4QG\[O?9_UK]&H.^IW43TS+P!U
M&D',ZC^TW6G&<=KC:W,^SMK^UCV^O77^D]3^:_1_\(DIMNZC]8,GZP]0Z3B.
MPZ*,2G'NJOM9;<\^MZK7,LI9;BL^G2_WMO\`T7L_G_6_5N<Z]UG+ZUTCZMUY
MM#:ZL[K%>)U.IA+J7FBY]#J/=&_'R;*?7].S_1_\&NKQ>D=0HZ[F=6=DTO;F
M4UT_9Q2X%GH^H:G^OZ[M_NOM]1OH?Z/_`$?Z2IC?4ZI_0;NB=6N;EUONLR*<
MBBLX]E5ECWY/JTEUV5LNHOM?Z5F[^;_0VUV?I/52GHUS[,HXG5*?JMT.JO&K
MQ<?[5?;:UUE==;WNKIQJ*6VU6.NML]2SWV>C137_`(7U/T5D8GUF&*<?]HXS
MK(VMS3C'U`(C>_';D#'??_+_`$=&_P#[2;/T2!C_`%8'3LJC-Z9D.^TUT.QL
M@Y9==Z['6.S'6VO:^K9E_:K;;?7V[/TUM7H?S7HI3FO^MO5J>L5].R/LS68N
M;5@]3>RNUYC*9Z_3,NG](VO&JRG?JM[+GW_8\C_"Y-:/D?6C,HZH_!<_';5D
M7VMP\ES';:Z<5M?VZW);Z^_(N^VV_L_'KJ^S^^B^_P#X!YW_`%0JR.F]7HS;
MQ?G]<]V3F"O8UCJV[.G^ACM?N]+I^RI]7J7OMLM_267?I$2_ZLVBOIMV#F&C
MJ?2VN:W+>SU&WBW:<T9V.U]/K?:[6_:'_IM]>1^F8DIR'?6_K->9C5O^R'#&
M<S!RLIE-Y:YMX]7!S,9SK*Z:Z[/?A9=;[LC[%E?X2^JU=%TG,S\O*ZD;C4["
MHR/0PG5L<USA6UOVIUKGV6-L]+*=9B?HV5?I,:U97UHJ_P"QC.P>MYE61F=0
M8:\&FIGHAV0-OV.C#H=;=D76?:Q39[\BS_K-*U^C=,R.FU.JMRG9+7-9`<UK
M8LC];NW-]UC\S)=9E6[_`/"6)*?_T?4[*V6UNJL:',>"U[3P01#FE>>479_U
M(ZP^FVMU_3LD@-.GZ1C?YM]3W0S[90QVRZE_\]_VU8O14+)Q<;+I=CY53+Z7
M_2KL:'-/]ER?"=6"+B=PLG#BH@U*.Q<C`^MG3^I=0&+AR:68S\G(OL!8&%KJ
MV>CM?M]S?4<^U_\`-_\`&?X/GOK#]:W=;#>C]#KLM9E&'/@M?:/I>E56_:ZN
MC_N1?=Z?Z+_@_P!(M]GU-Z/3=8[&8^FG)HLQLFIMC_<RPUO]CG/<ZK^:V>S\
MRQ:/3>B]+Z6UPP,9E!=]-XESW>3[K-UK_P"T]$2Q@V`3VO\`:M,<DA1('>O^
MY0_5SHXZ-TNO$<0^\DV9#VS#K'?2VS^8QNVIG\BM6LS+=B[3Z?J-(>7$&"-C
M3;]&/=NV*RDF$V;/5D````Z-.GJ(NR?0%9;[7.E_M=H]]6E9'_!;D(=9K=4Y
M[&2X,<]C2X#<6-KLMK9S^DK]39_7K6BD@EI/ZD66BIU#SJUKWM(V-EP82][M
MOMU_=0CUG]%ZPH<&!KG$/):X%KF,:US'-]N]EU5O_%K2224T[>HMJ+063NJ-
MNCM70"[9CM_P[_;[_P!QB$WK`)'Z%SP0)LK(=6/<]D^I[?8[T_T;MOO6BDDI
MSOVL_:_]`6OKI]<L<[:2`7"&`LW?19N]^S^HB'J#A8UIJ]IW`NW<.98S'.FW
MZ.ZS?N_<5U))31JZF+;:J_3+/5+VRXQ!JVMM:!'NVVN?5_UI1?U>MI=%;H99
MZ8W>TO$..^B1^EWOKLJJ8W^<V+0224T/VLR6@U/!+G,<8T:6#W;G?N^M^KUO
M_P`)8H_M<D;ACO`#7ES7:/#V>F/1#`';WOLO96SWK1224Y-_4<-]C<AV,U]V
M.T.H?8`+&>KZ=5KFN+'.QV;;_3>__">G=7_@UJM,M!\1.FJ=))3_`/_2]527
MRJDDI^JDE\JI)*?JI)?*J22GZJ27RJDDI^JDE\JI)*?JI)?*J22GZJ27RJDD
MI^JDE\JI)*?JI)?*J22GZJ27RJDDI__9`#A"24T$(0``````50````$!````
M#P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<````!,`00!D`&\`8@!E
M`"``4`!H`&\`=`!O`',`:`!O`'``(`!#`%,`-@````$`.$))300&```````'
M``@````!`0#_X1/_:'1T<#HO+VYS+F%D;V)E+F-O;2]X87`O,2XP+P`\/WAP
M86-K970@8F5G:6X](N^[OR(@:60](E<U33!-<$-E:&E(>G)E4WI.5&-Z:V,Y
M9"(_/@T*/'@Z>&UP;65T82!X;6QN<SIX/2)A9&]B93IN<SIM971A+R(@>#IX
M;7!T:STB061O8F4@6$U0($-O<F4@-2XS+6,P,3$@-C8N,30U-C8Q+"`R,#$R
M+S`R+S`V+3$T.C4V.C(W("`@("`@("`B/@T*"3QR9&8Z4D1&('AM;&YS.G)D
M9CTB:'1T<#HO+W=W=RYW,RYO<F<O,3DY.2\P,B\R,BUR9&8M<WEN=&%X+6YS
M(R(^#0H)"3QR9&8Z1&5S8W)I<'1I;VX@<F1F.F%B;W5T/2(B('AM;&YS.F1C
M/2)H='1P.B\O<'5R;"YO<F<O9&,O96QE;65N=',O,2XQ+R(@>&UL;G,Z>&UP
M/2)H='1P.B\O;G,N861O8F4N8V]M+WAA<"\Q+C`O(B!X;6QN<SIX;7!-33TB
M:'1T<#HO+VYS+F%D;V)E+F-O;2]X87`O,2XP+VUM+R(@>&UL;G,Z<W12968]
M(FAT='`Z+R]N<RYA9&]B92YC;VTO>&%P+S$N,"]S5'EP92]297-O=7)C95)E
M9B,B('AM;&YS.G-T179T/2)H='1P.B\O;G,N861O8F4N8V]M+WAA<"\Q+C`O
M<U1Y<&4O4F5S;W5R8V5%=F5N=",B('AM;&YS.FEL;'5S=')A=&]R/2)H='1P
M.B\O;G,N861O8F4N8V]M+VEL;'5S=')A=&]R+S$N,"\B('AM;&YS.G!D9CTB
M:'1T<#HO+VYS+F%D;V)E+F-O;2]P9&8O,2XS+R(@>&UL;G,Z<&AO=&]S:&]P
M/2)H='1P.B\O;G,N861O8F4N8V]M+W!H;W1O<VAO<"\Q+C`O(B!X;6QN<SI%
M>'1E;G-I<T9O;G1396YS93TB:'1T<#HO+W=W=RYE>'1E;G-I<RYC;VTO;65T
M82]&;VYT4V5N<V4O(B!D8SIF;W)M870](FEM86=E+VIP96<B('AM<#I-971A
M9&%T841A=&4](C(P,3(M,#@M,S%4,#DZ-#$Z,#@M,#8Z,#`B('AM<#I-;V1I
M9GE$871E/2(R,#$R+3`X+3,Q5#`Y.C0Q.C`X+3`V.C`P(B!X;7`Z0W)E871E
M1&%T93TB,C`Q,BTP."TS,50P.3HS,#HQ-"TP-CHP,"(@>&UP.D-R96%T;W)4
M;V]L/2)!9&]B92!0:&]T;W-H;W`@0U,V("A-86-I;G1O<V@I(B!X;7!-33I)
M;G-T86YC94E$/2)X;7`N:6ED.C,R-D4Q-#@Q,#@R,#8X,3$X,#@S0C=#,S`P
M-C(Y-C8W(B!X;7!-33I$;V-U;65N=$E$/2)X;7`N9&ED.D9!-T8Q,3<T,#<R
M,#8X,3$X,T0Q.#<P04$P1$(W0C(U(B!X;7!-33I/<FEG:6YA;$1O8W5M96YT
M240](G5U:60Z-40R,#@Y,C0Y,T)&1$(Q,3DQ-$$X-3DP1#,Q-3`X0S@B('AM
M<$U-.E)E;F1I=&EO;D-L87-S/2)P<F]O9CIP9&8B(&EL;'5S=')A=&]R.E-T
M87)T=7!0<F]F:6QE/2)0<FEN="(@<&1F.E!R;V1U8V5R/2)!9&]B92!01$8@
M;&EB<F%R>2`Q,"XP,2(@<&AO=&]S:&]P.DQE9V%C>4E05$-$:6=E<W0](D0P
M,D4P1#0U0SDS,40P,$9%,49"04-!-39",S`R-3-&(B!P:&]T;W-H;W`Z0V]L
M;W)-;V1E/2(S(CX-"@D)"3QD8SIT:71L93X-"@D)"0D\<F1F.D%L=#X-"@D)
M"0D)/')D9CIL:2!X;6PZ;&%N9STB>"UD969A=6QT(CY#;W)P7TQO9V]?6S$N
M,"XP75]454-!7U!-4U]/3#PO<F1F.FQI/@T*"0D)"3PO<F1F.D%L=#X-"@D)
M"3PO9&,Z=&ET;&4^#0H)"0D\>&UP34TZ1&5R:79E9$9R;VT@<W12968Z:6YS
M=&%N8V5)1#TB=75I9#HQ961A93$R,BTP9C8X+60S-#,M8CEB92TW8C5C.#)E
M-&9C9F,B('-T4F5F.F1O8W5M96YT240](GAM<"YD:60Z,#(X,#$Q-S0P-S(P
M-C@Q,3@R,D%%,C9#-T,X,#,T-3@B('-T4F5F.F]R:6=I;F%L1&]C=6UE;G1)
M1#TB=75I9#HU1#(P.#DR-#DS0D9$0C$Q.3$T03@U.3!$,S$U,#A#."(@<W12
M968Z<F5N9&ET:6]N0VQA<W,](G!R;V]F.G!D9B(O/@T*"0D)/'AM<$U-.DAI
M<W1O<GD^#0H)"0D)/')D9CI397$^#0H)"0D)"3QR9&8Z;&D@<W1%=G0Z86-T
M:6]N/2)S879E9"(@<W1%=G0Z:6YS=&%N8V5)1#TB>&UP+FEI9#HP,3@P,3$W
M-#`W,C`V.#$Q.$$V1$4Q-4)%1#5"0S`X0R(@<W1%=G0Z=VAE;CTB,C`Q,BTP
M-"TR,U0Q,CHQ,SHU-RTP-CHP,"(@<W1%=G0Z<V]F='=A<F5!9V5N=#TB061O
M8F4@26QL=7-T<F%T;W(@0U,U+C$B('-T179T.F-H86YG960](B\B+SX-"@D)
M"0D)/')D9CIL:2!S=$5V=#IA8W1I;VX](G-A=F5D(B!S=$5V=#II;G-T86YC
M94E$/2)X;7`N:6ED.C,R-D4Q-#@Q,#@R,#8X,3$X,#@S0C=#,S`P-C(Y-C8W
M(B!S=$5V=#IW:&5N/2(R,#$R+3`X+3,Q5#`Y.C0Q.C`X+3`V.C`P(B!S=$5V
M=#IS;V9T=V%R94%G96YT/2)!9&]B92!0:&]T;W-H;W`@0U,V("A-86-I;G1O
M<V@I(B!S=$5V=#IC:&%N9V5D/2(O(B\^#0H)"0D)/"]R9&8Z4V5Q/@T*"0D)
M/"]X;7!-33I(:7-T;W)Y/@T*"0D)/$5X=&5N<VES1F]N=%-E;G-E.G-L=6<^
M#0H)"0D)/')D9CI"86<^#0H)"0D)"3QR9&8Z;&D@17AT96YS:7-&;VYT4V5N
M<V4Z1F%M:6QY/2)';W1H86T@2%1&(B!%>'1E;G-I<T9O;G1396YS93I697)S
M:6]N/2(P,#$N,#`P(B!%>'1E;G-I<T9O;G1396YS93I/=71L:6YE1FEL95-I
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M,#`Q+C`P,2(@17AT96YS:7-&;VYT4V5N<V4Z3W5T;&EN949I;&53:7IE/2(R
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M+W@Z>&UP;65T83X-"B`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`*("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@(`H@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M"B`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`*("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@(`H@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@"B`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`*
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@(`H@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@"B`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`*("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@(`H@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@"B`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`*("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@(`H@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@"B`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`*("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@(`H@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@"B`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`*("`@
M("`@("`@("`@("`@("`@("`@("`@("`@(#P_>'!A8VME="!E;F0])W<G/S[_
MVP!#``(!`0(!`0("`@("`@("`P4#`P,#`P8$!`,%!P8'!P<&!P<("0L)"`@*
M"`<'"@T*"@L,#`P,!PD.#PT,#@L,#`S_VP!#`0("`@,#`P8#`P8,"`<(#`P,
M#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`S_P``1"`!-`/,#`2(``A$!`Q$!_\0`'P```04!`0$!`0$```````````$"
M`P0%!@<("0H+_\0`M1```@$#`P($`P4%!`0```%]`0(#``01!1(A,4$&$U%A
M!R)Q%#*!D:$((T*QP152T?`D,V)R@@D*%A<8&1HE)B<H*2HT-38W.#DZ0T1%
M1D=(24I35%565UA96F-D969G:&EJ<W1U=G=X>7J#A(6&AXB)BI*3E)66EYB9
MFJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&Q\C)RM+3U-76U]C9VN'BX^3EYN?H
MZ>KQ\O/T]?;W^/GZ_\0`'P$``P$!`0$!`0$!`0````````$"`P0%!@<("0H+
M_\0`M1$``@$"!`0#!`<%!`0``0)W``$"`Q$$!2$Q!A)!40=A<1,B,H$(%$*1
MH;'!"2,S4O`58G+1"A8D-.$E\1<8&1HF)R@I*C4V-S@Y.D-$149'2$E*4U15
M5E=865IC9&5F9VAI:G-T=79W>'EZ@H.$A8:'B(F*DI.4E9:7F)F:HJ.DI::G
MJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4U=;7V-G:XN/DY>;GZ.GJ\O/T]?;W
M^/GZ_]H`#`,!``(1`Q$`/P#]_****`"D9@JDD@`<DGM2UY1^W/\`%U?@1^Q_
M\1O%?F^3-I6A7/V5@^TM<R+Y4"J?[S2NBCW(JZ<'.:@MV[&=6HJ<'4ELDW]Q
MZLCB1`RD,K#((.012UG^$XC!X5TQ"=Q2TB7/KA!6A4M:EIZ!1112&%%%%`!1
M110`4444`%%%%`!1110`4444`%%%%`!1110`4444`%%%%`!1110`4444`%%%
M>;?M:?M0>'OV/_@9K/CCQ$QEAT]/+L[))`DVJ7;`^5;1Y_B<CKT50S'A35TZ
M<IR4(*[9%2I&G!SF[);G5_$CXH^'/@]X5GUSQ5KFE^'M'MN)+R_N5@B4D$A=
MS$98X.`.3BOS&_X*S_\`!53X;?M,?L]7GPV^'>H:SK4FH:M87%]J#:6]K820
M6\XG\M6FV2LWG10,"L>P@'#GH?D_X@?$;XP?\%3_`-I"&$6U]XDUZ]9GTW0[
M.5AIGA^V&T,R[CLBC7*AYWPSL5!)+(E>J_M1_P#!%;XC_LS_``&A\;Q:M8^-
M)=/;S-=TK2+&7S-*@RO[^-BQ:Y1>3(1&A1?FPRJQ'UN#RO#82I!XFI^\W2Z7
M_KKHCXG'9QB\91J+"4_W:33?6W]=-78_2WXZ_P#!1GX;?L?>,_"?A7X@7&N:
M,?$.D+?6NJ1Z9)=V"JK"-D<P[I58$@D^7M`8$L*]C^&'Q:\,_&KPE!KWA+7=
M+\1:/<DB.[L+A9HRPZJ2.C#NIP1Z5\Q_\%*/^"<EY^WW\-/`MWH?B*RT+Q%X
M+M[@VBWELTUMJ,=S'!OB9T8&([H(F$@5\8(V_-D?EKX<\3_&7_@E7^TC/&L-
MWX6\26BJUUI]R6ETGQ%:DY5F"D)<0GD"5#OC;>H*.'6O.PF5T,70_<SM55[I
M[;_UW/4QF;XG!8C]_"])VLUOM_G?30_H(HKRW]CK]K#P]^V?\"],\;>'LVXG
M)M=1T]Y!)+I-ZBJ9;:0@#)7<K*V!N1T;`#8KU*O#J4Y0DX35FCZ&E5C4@JD'
M=/8^(?VWO^"Y_@__`()^?'+P]X"^(/P;^.RZEXUOC8>%KW3-/T:\L/$T@E2(
M?9Y!J0927EC^298G`D4E0#77?$K_`(*@^(/A'X'U;Q'KG[*/[4$6D:';O=WL
MMK8>'+Z2*)`2[B*#67D<``D[%)P#7Q%_P<[WD,/[<7[`275Q8V5FOQ%>::YN
MG6.*!5O=)RSNV`J`9))..,U^A'[6'_!3_P""_P"R7^S]XG\?:MX\\(:S'X=L
MWGATG3M=LY;_`%><#]W:V\?F?/+(V%`]\G`!(@T.\_8__:J\*_MO?LS^#OBO
MX):^/ACQM8"_LTOHEBNK?#-')#*JLRB2.1'1MK,NY#AF&"?2:^%O!_\`P4$_
M9"_X)@>/+SX#0_$.R\,ZCYFJ>,;C0'E:Y@\,_:F-\]A"L:X1Y&F8V]A`'F;>
M`D?S)GT'X8?\%DO@A\6_@I9^-]+U#Q4D6L:]-X9T;0[CPW>1Z_X@U"*..1H;
M*PV&:<!)49G1=D:DM(T:JQ`!]445X-\`O^"C?PW^/_C3Q_X4@;Q%X4\:_#")
M;OQ+X:\2Z3+IVJ6%JR;TNUC.Y9[=ATDA9U.5[.A;QSX4_P#!P!\`?C]I'B"Z
M^'</Q1^(\_A_5I=+DT_PGX$U/6=1ECCCB8WK6UO$TEO:LTOEI)<K"9'BE"!O
M+?:`?7_Q,^(VE?"'X?ZQXGUQ[Z/1]"M7O+QK/3[C4+A8T&6*06Z232MC^&-&
M8]@:\D_X)X_\%%/A_P#\%./@GJGQ!^&D7B!?#.FZ_=>'UFU>S2TDO)+=8F,T
M:!W(A=94*[]C]=R*1BK_`.Q'_P`%`OA;_P`%"?`&J>(/AEKTVHKX?U!]*UG3
M;ZSEL-3T6Z4G,5S;2A9(R<'!(VG:P!)5@/SX_P"#63XC6WP=_P""._Q!\376
MFZSJEEH7Q$UNZFM-(LFO+R2-8;+=Y4*_,Y`R=J\X!P">*`/TN_:F_:A\'_L:
M_`W7?B+X\NM3L_"WAV'S[V>PTJYU*6-?7RK>-W"^KD!$'S.RJ"1F_L<?M?\`
MA;]MS]E;PK\8/"\&KZ5X5\76DM]:QZU%%;W=O%'+)$QE6.21%YB8\.1C!SVK
MYO\`B]_P4$\"?\%"?^"5/[1_B'X>:;XXE\+Q?"_Q`]OK.M>&+O2=/U4/IMZI
M%I)<(HN0IC8.8]RJ2`3DXKYE_9AU_P"`]O\`\&K/PQT']HOQM>>!OASXMT.7
M39KS3[N2'4;B==2N9XXK9(T=YI"8<F/RW4JK;UV[J`/U^!S17R#X_P#^"C?P
M`_X)C_\`!-_X6>-]6UOQ!#\-+GPUI=EX.C-C/>ZKJUO]BC:VC88^64PA2S3,
MBYSE@2!5/XE?\%VO@/\`"2RMM9UN/XGP>`;FYBM%\?1^`M5E\'N\DGEJT>J+
M#]GGB+Y`E@:2-P,HS@@D`^RJ^;-1_P""G7A+Q9\3=9\&_";PGXY^.WB#PS.]
MIKS>"X+,:5H%PH!\BYU*^N;6R\[GF&*:25<'<@KYZ_X.5O\`@H1JW['_`/P2
M8N_$?PXUQ8M5^*NHV?A?1M>TN[R;:VN[>>YDN[>:,D9:VMY%21&&#,KJ<@5]
M)_\`!*?]E#0_V*_^">WPJ\`:):P0?8-`M;O494A\MKZ_N(UFN9W[EFE=NO(4
M*O10``<OXH_X*Z^!O@1XOT?1/CKX1^(/[/D_B*6.UTC4?&-I9W&AZG<,&)A3
M4M-N;NUA=0N2+F2`D$$`\X^J;.\AU&TBN+>6.>"=!)')&P9)%(R&!'!!'((K
MRO\`;D_8^\+_`+>G[*/C?X4>+H86TOQ?IDMI%=/`)GTJZVDV][&I(S)!*$D4
M9`)3!X)%9OQ,_:.\`_L`_!_P-HGC#7)Y]1N+:W\/^'])TK3)K[6/$]S!"B&.
MRL+<232M@`MM!6,,"[JOS4`>U45X1X;_`."A'@Z]^*%IX%\1:)XV\`>.-8LK
MB_T'1/$VD_8Y?$Z0+OFCT^=7>UN9T4AFMTF,RJ0[($^:L?\`8Q_X*E_#']O7
MXB>+/#'P^M/'<FI>`IGL_$G]K^&+O28]#O%=D-G.;A4*W(9)`8@"R^6V['&0
M#Z/HKYLTK_@J[\(O[6^*L'B"Y\3>!+/X)A1XQU/Q5H=QI.GZ7(^QH85GE`2>
M6:.2.2)(2[2I+&5!\Q`US1/^"EW@:7QSX9\/>(_#WQ'^'M_XZ#KX5;Q;X:GT
MF+Q'.J,XM(6?_57;*I*6MSY,[X^6,F@#Z'HKY8_9"_X+"?"+]N/XXZ[\//A]
M:_$2\\3>$7DA\21:AX1OM.B\-3(TB&"]DG15@F,D4D8B;YRT;@+\C$=G\!/^
M"A7@?]HW]I;QW\)]`TOQ[;>+OAHI/B,:IX8N[&RTYBT?DQFYD01,]Q'()H0K
M'S85:1<J,T`>Z4444`%?CW_P<!_'JY\:?M/^&/AU!/,UCX4L4G%C$2QO=1O2
M-N(QS)(L2HJ``M^_D`^]7ZZ^)H-3N=!N4T>YL;/4RG^CS7EL]S`C?[<:21LP
MQGHX]?8_E)^TQ_P4?^(?[$_[8WC*TO/AM\%;WQNR6QO/$=M97JSW\#0(8?F>
M8N@$>%*`XRIZ]:]S(82^L.<(\S2=E>WE<^>XCG'ZLJ<Y<L9-7=K^=OP/L'_@
MD?\`L86W[*/[+^EW^IZ<+?QYXS@74]=FD0K-`KDM!9X8!D$,3*&7O)YC=P!]
M4,H=2"`01@@]#7S;_P`$[/CQ\;/VF?`Y\9_$OPQX2\'^&M3ASH=G9P7*ZC?J
M2I%V_FRL(X&7=L4KO?(?Y4V^9])UYV/=1XB3JN\KZV=_E\CT\M5-8:"HIJ-M
M+JS]?GOYB*H10```.`!VKYH_X*J?L:6O[7G[+VJ)96(F\:>$HY-6\/31KF=Y
M44F2U&.62=`4V=-_EMC**1],5\[_`/!0?XS_`!J_9W^'B^+_`(7>&?"GC+2-
M+C:37-/OHK@W]K$,L;F'RY5$D:`?.@7>!\PW`$!8)U%7BZ3M*^E]/ZN5F"IO
M#355-QMK97?K\MS\]/\`@@E\>;OX<?M@ZS\.KIKFVM_&EC*LUC,ABDM=1LT,
MH\R-L,DGD^<"",X1<_=&/V3K\COV?O\`@IK\1/VU_P!L7X<:;!\-?@M%XW\^
M[&C^([NROGFT=%L+MYCYB2[RC0^=&%SM+3#IG</UA\*0:K;>'K1-;N;"[U41
MC[5+96SV]N[]RD;O(RCZN3_*O2S^,O;J<X\K:5U>_E<\GAN<?J[ITY.48MV=
MK=G;\3\?O^#FG1[/Q3_P4&_X)_:3J=G9ZEI>H?$!X+JSNH%F@N8WO])5T=&!
M#*RD@J000:^Z?VOO^".GP&_:I_9O\6^!(/AE\.?"&H>(+)HM/U_2_"]K!>Z)
M=@AX;J)X5C?='(JL5#A74,C91F4^9_ML?\$+H?V^_C9X5\=>//V@/B\NI_#[
M4I-3\(P:5:Z-90>'7:=)E\O;9%I&4Q0@/*SL1$N3US]E?!KP1K_P]\#0Z9XE
M\::IX^U6.61WUC4;&SLIY59LJACM(HH@%'`(0$]\FO#/HC\WOBOX1T]_^#K?
MX-)=6=G>3:;\$;F:&66!2R3)<7L8E7(X?:S`$<@,1FO7?VF_C?X)\:_\%8O"
MO@OX9?#72_B+^U+\/_"=Q?-KNN:W<:;X?^'VB7>%E>?RO-,EW,98%2*.V,C)
M<`F:),YZ/QC_`,$BKSQ=_P`%`K7]I+_A>_Q)L_'VEVDFCZ;;1:;H[:98Z0\K
MR'3Q"UH69,2./-9S*2<[\@89^U-_P1_3XM?MQZ=^T5\+_BUXM^!_Q3?2TT#Q
M!?:-IUGJ-MXCT]2I$<T%RA3S<1PKO;>N((OW>4#4`?-_[.^E^,M(_P"#I_Q*
MGCK6/#^LZ_+\!(Y)9=$TN73K-%_M*W`18Y)IG;!#?.SY.0,#%=1_P;/VT:^%
MOVN91&@DD_:#\2(SA0&90MO@$]2!DX],GUKV1/\`@C/9>%_VO(_CQX4^-_QA
MT?XI7/AL^%]7U;4)-,UB/6K8R"3>\$]F8X7W+&0MLL42^4FV-09`^U_P3L_X
M)00_\$W_`!%XWN/#?Q=^('BG3/B'J=SX@UO3M?M=,>.;5I\;[U'@MHG1C@90
M'RS@?*,4`?.O_!+JQA\/_P#!PC_P4"L;&*.TLYT\+WDD,2!4>9[(R/(0!]YG
MED8GN7).37YT?\$W?C3\6_@'_P`$L(O$]YX0M_&7[)&F_%76!\7-+\.WT\7B
MF]LW@M5!?A`-/CD,+RQPR!IU0Q3,MO),#^N_PD_X(T:Q\#_VF?B)\8O#O[1W
MQ3@^(7Q6@A@\37T^CZ#-;W8A55A:.W-EY<31*H5"`1C.X-DUM_\`!/W_`()`
MV?\`P3?^!'C+X;^!_BQXXU;PIXL%U<Q6WB#3M+OFTN_N(TCDNT;[,OFY2-`8
MIM\9P3MY.0#HOVKOBGX)^-O_``1A^+'BKX;WVDZEX#UKX0:[/H<VF(L=J+7^
MR+A4C2,`>7L`V&,@&-D*%5*D#X$\-V,-_P#\&6TB3PQS(O@&YE"NNX!EUB1E
M;ZA@"#V(%?1?P$_X-[+/]F/X">/_`(7>"OVC/C5I7P^^)UK=V>OZ')!HMQ:E
M+J)H;AK57L3]D=XW*%H=O&WC*(5Z:S_X(;V^G_\`!.YOV7H?CK\4$^%3%X3&
M+#1SJ/V)IFN&L_M'V3/EF=B^[&_'R;MGRT`?-G_!6E0W_!HGX;)`)'@/P$1Q
MT_TC2J^U/^"HGAS3]4_X(J_'&SN;&SGL[?X2ZK-%`\*F*)X=,DDA95Q@&-T1
ME(^Z44C!`KA?C=_P1-;]H;]AK0/V=O$_Q[^*%Q\--`@M;(06^G:-!>7UK:>3
M]BMYIEL^4@,"D%0K.<%RV*]9^+W[!>O_`!M_8CN?@EK?QI\<M8ZM8S:)K/B&
M+3-*75M8TN6%X7M),VQ@0M&VUI8XED."00230!^6O_!3+]EOQ/\`M,_\&F'[
M/6I^&K:34+CX6Z%X>\8:C;HI>5].ATN>VG=0.T2W*RL>@CAD/:OUC_X)D_M/
MZ'^V-^P-\*?B%H%S'<6VM>'K6.Z17#&UO(8Q#<P-C^*.>.1>@SC.,$5;_8&_
M8X;]@W]GC2/AE:>._$_CGPYX9B6TT-]=AM%NM-M5'RV_F6\48D523M+@L!A<
MX`KR3PM_P1[T;]F7Q[X@\2_LV_$3Q7\`V\33I=ZEX6L+6UU?P7=W`X:<Z7<)
MNAD90BYM9X,+&@Q@8H`^JOB?\1]'^#GPU\0^+O$5Y'IWA_PKIESK&IW3_=MK
M6WB:660^RHC'\*_*CX"_&`_M/_\`!T)HOB77H=9L-"7]GZW\1^`--U5$BGL!
M?_8WERD;,GF[+B]5RKN,QD;B%&/L/XE?\$P[S]K>RL;']H?XL>)_BAX:LKV.
M]D\&:380>&?"FHO$R/%]KMX?,N[H)(@?RYKQH2P!\K(%=G^TY_P3N\'?M#^*
M_`GB[2]0UCX:_$;X7*\?A/Q5X76VAO-+MVC,;V3Q31203V3J<-!)&1C.TH23
M0!\6?\'<E]>^%/\`@GA\/?%&@%[;QGX:^*>C7?AV]MX@UU:W8@O&3RVQD$E5
M.!U*+G-07>L'_@E;_P`%Y;3Q+JR6^B_#+]L_PJ&U:4[8X[7Q7I4)D.1NRK2)
M*0HP!))?,%#%3CZR3_@FU<_&3XS^"/'WQY^(5S\6-6^&=Z^H^%M$M-#@T+PU
MI=X555OVM`T\\]XF&VO+<M$F[*0HPW'H?^"B_P#P3A\#_P#!2SX8^%/"WCA2
MMEX4\6:=XHA98!*9Q;2YGM3DC"7$#2PL0?EWAL';@@'Y>?\`!0.Q\:07_P"P
MY=ZI<6&G7'[1?QJG^)'B<ZYI\EW8)JDIM%\/6=VL<BN5L]/D@LUB29%D^R;R
MI(R/L[]O[_@F]^T+_P`%$/@3;^!_%'Q4^#_A\Z7KECXDTC6=&\%ZBM_I%_:2
M%XIHO,U)DSAG0[E/#G`S@CZ8_;B_82^&O_!0_P#9UU+X8?$[1!JGAR]9;BVD
M@80WFD72*RQ7=K)@^5,@=P#@J5=T961V4^0?"3_@F%X\\-3)I'CS]JOXY?$K
MP%82HUEH%V]CIMS<Q(<I'?ZG;0K?70!"$E)H/,*D2;T=D(!\H_&2RN?^"6__
M``<8?#7Q[<W)C\`_MA:*G@[79H+<+"WB6#R8H9&09V>;(UI@\9-Q/U"L:^R/
M^"6"V7C/P#XY^)]W?V5UXT^-7B23QKJ=LL\37.F:7-&D&@6\J(`8RNC6]@?F
M'S.TK;GW;CYU_P`%UOV:?"'[;GPK^$'P9U8E_%'C#XDZ1)HXMI56]L;2V+S:
MK=KD$A8]-2[&[&WS9(0?O"O?/@C^P5X/^`O[0>N_$71+G51J.LVEU8I8LT26
M=E#<W,=S*J(B+N_>Q)M+$E06&3N)H`]OHHHH`*_*;_@X1_9IN],\<^%/BOI]
MJ9M+U2V_X1_6W5.+:XC)>UD;U61&E0G`VF*,<[QC]6:YSXN?"C0?CG\--;\(
M>)["/4]`\0VCV5[;N2N]&'56'*.IPRNI#*RJP((!KNR[&/"UXU>G7T//S3`K
M%X:5'9]/5?U8^,/^")G[>FG?%_X,Z;\*?$>IA/'/@ZW:#3Q</A]:TU#F-HR?
MO20(5C=>3M17Z,P7[D\2^)M.\'>'[W5M6O;73=,TZ%[FZN[F410VT2`EG=CP
MJ@`DDU^&W[;?_!,OXD?L*^-GU_15U?7O!=G<"YTKQ-II87FFD#*BY6(!X)5P
M?WJCRV'.5)*#BOC1_P`%(_B]^TQ\#[+P'XM\5P:UX<6ZBN99HK2.&ZU4(4,4
M=S)'A)HT90Z@(I+\NSX7;[];)(8NHL1A9KDD]?+O;_)VL?-8?B"I@Z3PV+@^
M>*LO/M?_`#5[G]!%K=1WMK%-$P>*90Z-_>!&0:^(_P#@M)^WGI_P$^"-]\.-
M`OXY?'GC>V-K.D$^)-%TZ0$2W$F.0TB@Q1C@DNS](R#Y]_P5Y_X*8>,?V:]3
M\,_#WX=:Q8:)?7&A?VAX@U-K59KNS23:MO'`[GRXB529G9D9@#$5*')/R#^Q
MS_P3B^)__!0'QV_B+4GU72/"FIS&[U7QAJVZ2;4#D*?LPDR]S,0,!R/*4)RV
M0L;\V6Y7"$5C,5)*"U2[]O\`ANIU9KG$ZDI8#!Q;F]&^W>W^;M8]U_X-]/V:
M+GQ+\6/$7Q5N[8II'AFV?0=*E92!->3!&G,?J(XMBD],S8ZJP'ZU5RWP5^#7
MA[]GWX6Z+X.\+6*Z=H6A6XM[:+<6<]V=V/+.S$LS'DLQ-=37DYEC7BJ[J]-E
MZ'M95@%@\-&CUW?K_6@45YOXP^"R>(?VA-"\5"QMY+:QT:^@GE:X=7^UF6T-
MJVP'!VHMT-W;?WSQXNO[+OQ.@^&VF6%[?6FM7=KH_A>U>)KD*L;63WANH2&^
M68`31?O'P9>X&T5PGHGUA17E&M>!_$NG?#7X>2Z5I<,NI^$;B"XO-)6]6V%R
MHM)8'C5QF/(:4.`?E.W`(XKG/A/\(/%G@J]BTGQ!H]OX@T76-#L;#49AJY*6
MDL<UW),-CJ&D'[^-0PP6V]!@"@#WJBOF5_V5/%4/P8T'0;0):7@\(MINK-!J
MTD;OJ$ESI[RRK+@DL4MY\2=0<<?-5[6/V:_B!>Z7XHT.7Q(VIV_B_4[2;4=8
MN;EX)6MHK;$B111$&'=(D48$;#Y=[$Y)R`?1E%?.^I_L[^+/%4&M:OJ-GIL?
MBK4O`D^D&Y@OF19-89)8/M"X`"!XRAW`94'&,BMWP7\(?%=I^S5XE\-Q+;>'
M/$6H^<MK+'(B(Q:.-02T.2F[:4+CYU^\!D"F![717SOJGP3UJ]T71F@^'UG!
MH]I->_:O"Y\3N!-++%;I#>&4#9F/RYEV9.!-Y@S(-M8?B#]D_P").K:/J6[Q
M;=-=OI>BVDL4=^XAUF:T"F1V=AOBQ(&)8#,RG:_L`?4E%?-/BO\`93\7WOAS
MQK>V]]:MJFMZC,UKI\4SHMS;MK$=V'N)'<H[K;QE$4(@59'1BP.1T?AC]GB\
MF\1_#?5+[1;*TD\.17JZDBW`7Y]VZU8)&=C8?<^/X=U(#W.BO!OA=^S5J>A:
MO\/M1UFTM9=0T#PE<:?J4WVYY6;40]F+9QGA]J)=#>>1O[[N(OAY^SQXOT'Q
M+X(BO+Y1X>M=)TZ^\00?VA+))-K5C:"VC"_WH7S%(W0%[&,E3YCY`/?J*\/_
M`&2?A?XK^#?PPU"TUG1[/^WHM/M4C=+F-AJ,T5N5*M(O)S("?,<;CYI)'%<O
M:_L^_$/2/!,FDZM%IWBR"76K#Q!/"FIR0?:9FW_;X<R9PC2!)5483,CJ`H`%
M`'TQ17SO:?LZ>-;5/#%O+>!]/OE%OXD@35)97M;.UO);ZRMH)'PTK9<6DCMM
M+1.Q/*KBC;?L^_$Z]\,ZO8ZMJ=LY\8:MI/B"]?3]3FAET2Y34H)+V&!VR?+%
MH%6+;@;K4EES*33`^EJ*^=]+_9D\2Z[9>''\5QZ9JNI67C6\U+49XKJ1(Y]-
MDBN0NU>VZ4V[F'HI!P2%&::_`KXHS^'_`!%]METVY/B^:SUK4=-AU:>$+<17
MR//9B;!*I-8A+?,85,VJDJ/-=B`:_P`#/^":/PG_`&??VJ_'OQKT;2M5U#XD
M_$2:1]0UC6=4FU*6RBD?>]O:>:Q^SP%@O[M,`*B(,(BJ/?:^8K_X!^/-0N?`
M5Q=:!H4ECH9U1;G3;>=56&&>\L)H%(D=E$GEPW`9HV(0MA<@U].T@"BBB@`H
MHHH`",C!Y!KYX_:6_P""9/PB^/\`X1\1[/`GA;1_%FK6<ZVVMV-@EI<PW3J2
MEPYC"^8P?!)?)/2OH>BM:5:=*7-3=F8U\/3K1Y*L4UYGD]M^Q5\+M7\??\)M
MK?P_\+:QXUNTMFN-3U&R6^E26&-$1HO-W"(H(U`,87&/<UZN%"C`'%+14SJ2
MG;F=[%4Z4(7Y$E?\0HHHJ#0****`"BBB@`HHHH`****`"BBB@`HHHH`****`
7"BBB@`HHHH`****`"BBB@`HHHH`__]D_
`
end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
