Universal Food & Beverage Compny Watch

from 10QSB 11 pages Universal Food & Beverage Company of Virginia Grayson National Bank 113 W Main Street C. Code 730/P. Code 510 Loan Number 7143131 3830 Commerce Drive P.O. Box 186 Date 03-31-2005 St. Charles, Il 60174 Independence, Va 24348 Maturity Date 12-30-2005 Loan Amount $500,000.00 Renewal of Borrower’s Name and Address Lender’s Name and Address Ssn /Ein #20-1806696 “I” Includes Each Borrower Above, Jointly and Severally. “You” Means the Lender, Its Successors and Assigns. for Value Received, I Promise to Pay to You, or Your Order, at Your Address Listed Above the Principal Sum of Five Hundred Thousand and No/100 Dollars $500,000.00 X Single Advance: I Will Receive All of This Principal Sum on 03-31-2005. No Additional Advances Are Contemplated Under This Note. ¨ Multiple Advance: The Principal Sum Shown Above Is the Maximum Amount of Principal I Can Borrow Under This Note. on I Will Receive the Amount of $ and Future Principal Advances Are Contemplated. Conditions: The Conditions for Future Advances Are ¨ Open End Credit: You and I Agree That I May Borrow Up to the Maximum Amount of Principal More Than One Time. This Feature Is Subject to All Other Conditions and Expires on . ¨ Closed End Credit: You and I Agree That I May Borrow Up to the Maximum Only One Time (And Subject to All Other Conditions). Interest: I Agree to Pay Interest on the Outstanding Principal Balance From 03-31-2005 at the Rate of 6.750% Per Year Until 04-01-2005. X Variable Rate: This Rate May Then Change as Stated Below. X Index Rate: The Future Rate Will Be 1.000 Percent Above the Following Index Rate: The Wall Street Journal Prime Rate. ¨ No Index: The Future Rate Will Not Be Subject to Any Internal or External Index. It Will Be Entirely in Your Control. X Frequency and Timing: The Rate on This Note May Change as Often as Every Day Beginning 04-01-2005. a Change in the Interest Rate Will Take Effect on the Following Day

from 10QSB 7 pages Universal Food & Beverage Grayson National Bank C .Code 190/P. Code 195 Company of Virginia 113 W Main Street Loan Number 893434 3830 Commerce Drive P.O. Box 186 Date 03-31-2005 St. Charles, Il 60174 Independence, Va 24348 Maturity Date 03-30-2025 Loan Amount $2,500,000.00 Renewal of Borrower’s Name and Address Lender's Name and Address Ssn /Ein #20-1806696 “I” Includes Each Borrower Above, Jointly and Severally. “You” Means the Lender, Its Successors and Assigns