EX-4
from 8-K
~1
page
Period Ratio October 1, 2002 Through and Including December 31, 2002 1.75 to 1.00 January 1, 2003 Through and Including March 31, 2003 1.60 to 1.00 April 1, 2003 Through and Including September 30, 2003 1.50 to 1.00 October 1, 2003 Through and Including December 31, 2003 1.60 to 1.00 January 1, 2004 Through and Including December 31, 2004 1.70 to 1.00 January 1, 2005 and Thereafter 2.50 to 1.00
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