Loan Agreement

This is an agreement between AAA, Inc.("Company") and BBB("Stock Option Holder") dated _________,_________,_________(M/D/Y).
The Stock Option Holder wishes to exercise _________ option sahres as evidenced by the attached Election Form signed by the Stock Option Holder.
The Company agrees to advance the exercise price to the Employee in the amount of $,_________(_________)shares x $,_________ per share) referred to as "Loan".
The Stock Option Holder agrees to the following terms and conditions of the Loan.
1. The Company will hold the shares as collateral against the Loan.
2. The Stock Option Holder will pay interest on the Loan principal at an annual interest rate equal to the actual borrowing rate charged by First National Bank of Maryland to AAA, Inc. during the period the Loan is outstanding.
3. The Stock Option Holder will repay the Loan and accrued interest no later than the time that such shares are sold. In any event, the Loan will be callable at such time as the Stock Option Holder is freely able to dispose of such shares. Dividends distributed during the loan period would be credited to the Company and affset against interest due on the loan.
BBB
Signed: /s/_________
Date: _________,_________,_________(M/D/Y)

AAA, Inc.
Signed: /s/_________
Date: _________,_________,_________(M/D/Y)