EXHIBIT 10.22 RATIFICATION AND FORBEARANCE AGREEMENT -------------------------------------- RATIFICATION AND FORBEARANCE AGREEME ("Agreement") dated as of August 9, 2001, among HSBC BANK USA (formerly known as Marine Midland Bank), a bank organized...Ratification and Forbearance Agreement • August 21st, 2001 • Accident Prevention Plus Inc • Services-computer programming services • New York
