August 7, 2000
Citizens Bank of Massachusetts
00 Xxxxx Xxxxxx
Xxxxxx, Xxxxxxxxxxxxx 00000
RE: FOURTH AMENDED AND RESTATED LOAN AGREEMENT DATED AS OF AUGUST 7, 2000
BETWEEN CITIZENS BANK OF MASSACHUSETTS ("BANK") AND THE J. XXXX GROUP,
INC. ("BORROWER") (THE "LOAN AGREEMENT")
Ladies and Gentlemen:
Reference is made to the captioned Loan Agreement of even date. We
hereby confirm that any representation, warranty or covenant in said Loan
Agreement made to you by the Borrower regarding the undersigned including,
without limitation, any representation about the undersigned or any covenant
that Borrower will cause the undersigned to perform or to refrain from
performing any act shall be deemed to be a direct representation, warranty or
covenant to you from the undersigned, and you may rely upon same as if such
representation, warranty or covenant had been made directly to you from the
undersigned.
Executed as an instrument under seal, to be construed under the laws of
The Commonwealth of Massachusetts as of the date set forth above.
Very truly yours,
J. XXXX DIRECT, INC.
By:/s/ Xxxx X. Xxxxx
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Name: Xxxx X. Xxxxx
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Title: President
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