February 9, 2006

Mr. Bradford S. Lev

Lit Kitchen, LLC
821 Ralph McGill Blvd., Suite 122
Atlanta, GA 30306

RE: $129,500.00 Small Business Administration (the “SBA”)

Guaranteed Loan to Lit Kitchen, LLC
Newtek Small Business Finance, Inc. #17172

Dear Mr. Lev:

Newtek Small Business Finance, Inc. is pleased to advise you that it has approved your
application for an SBA loan subject to the satisfaction of the terms and conditions set forth
herein and on the attached Closing Checklist. This approval, however, is contingent upon the
issuance of an 85% guaranty, to be granted by the US Small Business Administration.

BORROWER(S): Lit Kitchen, LLC

FACILITY: $140,000.00 SBA 7(A) Installment Loan

MATURITY: 10 years

AMORTIZATION: The loan shall be paid in 6 equal consecutive monthly installments of

interest only and 114 equal consecutive monthly installments of
principal and interest in an amount established at closing,
commencing one month following the closing date, with first
installment also to include interest from closing. Interest on the
principal sum of the note shall be calculated on the basis of a 30 day
month and a 360 day year.

INTEREST RATE: Variable rate – Prime Rate (as posted in the Wall Street Journal as of
the day of the final approval) plus 2.75%. Rate will be adjusted on a
quarterly basis on the first day of each calendar quarter, beginning the
first calendar quarter following loan closing.

SBA GUARANTY FEE: The guaranty fee is $2,201.50, which is 2% of the guaranteed portion
of the loan. The guaranteed amount is $110,075.00 which is 85% of
the loan amount. The non-refundable fee for the guaranteed portion
is due to the SBA at the closing of the loan.

PACKAGING FEE: $1,500.00 Payable by Borrower at closing.

GUARANTOR(S): Unlimited personal guaranty of Bradford S. Lev.

462 Seventh Avenue, 19th Floor New York, NY 10018 Phone: (212) 356-9510 Fax: (212) 643-0340
Website: http://www.newteksbfinance.com