Enovate Credit Agreement

Kay,

Please find attached for your review a Closing Documents list and a very
preliminary draft of the Enovate Credit Agreement. Once you have had a
chance to review the attached with your business people, let's set up a call
to discuss structure/changes/etc. In addition to confirming the basics
(lending entity, interest rate, term), we will need to discuss financial
covenants

Please call me at 713.221.1419 regarding the foregoing.

Regards,

Heather

- Checklist.doc
- CreditAgmt.doc