Versadial, Inc. Watch

from 8-K 19 pages Loan Agreement

from SB-2/A 6 pages May 8, 2007 Ms. Kathy Kordowski Vice President, Package Engineering & Marketing Services Avon Products, Inc. 1251 Avenue of the Americas New York, N.Y. 10020 Re: Credit Memo Dear Kathy, Avon Products, Inc. (“Avon”) and Versadial, Inc. (“Versadial”, Collectively the “Parties”) Are Parties to a Certain Letter of Agreement Dated September 18, 2006 and Clarified by Letter Dated September 27, 2006 (“Loa”)

from 8-K 4 pages Form of Line of Credit Grid Note

from 8-K 7 pages Amendment No. 1 to Credit Agreement

from 8-K 3 pages Line of Credit Grid Note

from 8-K 14 pages Secured Line of Credit Agreement