FIRST UNION LOGO] LOAN AGREEMENT First Union National Bank 765 Broad Street Newark, New Jersey 07102 (Hereinafter referred to as the "Bank") lBS Interactive, Inc. 2 Ridgedale Avenue Cedar Knolls, New Jersey 07927 (Individually and collectively...Loan Agreement • April 1st, 1999 • Ibs Interactive Inc • Services-computer programming, data processing, etc.
