Ratio of Total Debt to EBITDA Clause Samples

Ratio of Total Debt to EBITDA. The Borrower will not, at ----------------------------- any time, permit the Borrower's ratio of Total Debt as of the last day of any fiscal quarter to annualized EBITDA as of such time to be greater than 2.00:1.00. The foregoing ratio shall be annualized by multiplying EBITDA by four.

Ratio of Total Debt to EBITDA. Parent will not permit its ratio of Total Debt outstanding to EBITDA (calculated for the last four consecutive fiscal quarter period then most recently ended for which financial statements are available) to be greater than 4.00 to 1.0.

Ratio of Total Debt to EBITDA. The Borrower will not, on any date of determination, permit its ratio of Total Debt as of such date to EBITDA for the four fiscal quarters ending on the last day of the fiscal quarter immediately preceding the date of determination for which financial statements are available to be greater than 4.00 to 1.00; provided that during the period beginning on the Second Amendment Effective Date through June 30, 2015 (such period, the “Increased Leverage Period”), the Borrower will not, on any date of determination during the Increased Leverage Period, permit its ratio of Total Debt as of such date to EBITDA for the four fiscal quarters ending on the last day of the fiscal quarter immediately preceding the date of determination for which financial statements are available to be greater than 4.50 to 1.00.

Ratio of Total Debt to EBITDA. The Parent Guarantor will not, as of any date of determination, permit its ratio of Total Debt as of such day to EBITDA for the four fiscal quarters ending on the last day of the fiscal quarter immediately preceding such date of determination for which financial statements are available to be greater than: (i) for the period beginning on the Closing Date through December 31, 2008: 4.0:1, (ii) for the period beginning after December 31, 2008 through December 31, 2009: 3.75:1, and

Ratio of Total Debt to EBITDA. The Parent Guarantor will not, as of any date of determination, permit its ratio of Total Debt as of such day to EBITDA for the four fiscal quarters ending on the last day of the fiscal quarter immediately preceding such date of determination for which financial statements are available to be greater than: (i) for the period beginning on the Closing Date through December 31, 2008: 4.0:1, (ii) for the period beginning after December 31, 2008 through December 31, 2009: 3.75:1, and (iii) thereafter: 3.5:1. For the avoidance of doubt, the foregoing ratio shall be calculated to exclude Total Debt and EBITDA attributable to the Unrestricted Subsidiaries (but to include cash distributions from Anthem Securities paid to the Borrower or other Loan Party).

Ratio of Total Debt to EBITDA. Ratio of (a) Total Debt to (b) EBITDA, measured on a fiscal quarter-end basis, of not more than the maximum amount set forth in the following table for the trailing four fiscal quarters ending on the date set forth opposite thereto: 6.43 December 31, 2001 7.22 April 1, 2002 7.79 July 1, 2002 7.40 September 30, 2002 7.00 December 30, 2002

Ratio of Total Debt to EBITDA. The Borrower will not (i) as of the last day of any Fiscal Quarter ending on or before September 30, 2020, permit its ratio of Total Debt as of such last day to EBITDA for the period of four Fiscal Quarters then ending on such day to exceed 4.00 to 1.00 and (ii) as of the last day of any Fiscal Quarter commencing with the Fiscal Quarter ending December 31, 2020, permit is ratio of Total Debt as of such last day to EBITDA for the period of four Fiscal Quarters then ending on such day to exceed 3.50 to 1.00.

Ratio of Total Debt to EBITDA the Borrower will not permit the Borrower’s ratio of Total Debt as of the last day of any fiscal quarter to annualized EBITDA during the period set forth below to be greater than the ratio for such period set forth below. The foregoing ratio shall be annualized by multiplying EBITDA by four; June 30, 2007 - December 31, 2007 6.00:1.00 March 31, 2008 - September 30, 2008 4.00:1.00 September 30, 2008 - December 31, 2008 3.00:1.00 March 31, 2008 and thereafter 2.00:1.00

Ratio of Total Debt to EBITDA. (a) F.Y.I. will not permit the ratio, calculated as of the end of each fiscal quarter of F.Y.I. commencing with the fiscal quarter ended December 31, 1997, of (i) Total Debt to (ii) EBITDA (the "Total Debt to EBITDA Ratio") for the four fiscal quarters then ended for F.Y.I. and its Subsidiaries to exceed the ratio set forth below for the period during which such fiscal quarter end occurs: Period Ratio ------ ----- From December 31,1997, through December 31, 2000 3.00 to 1.00 From January 1, 2001 through December 31, 2001 2.50 to 1.00 From January 1, 2002 and at all times thereafter 2.00 to 1.00 (b) F.Y.I. will not permit the ratio, calculated as of the end of each fiscal quarter of F.Y.I. commencing with the fiscal quarter ended June 30, 1996, of (i) the sum of (A) Total Debt, plus (B) the highest possible amount of all unpaid Seller Earn Out payable pursuant to an Acquisition contract in cash over any period of time, whether the payment of such Seller Earn Out is contingent or otherwise, to (ii) the sum of (A) EBITDA for the four fiscal quarters then ended for F.Y.I. and its Subsidiaries plus (B) the EBITDA or EBIT required by the applicable Acquisition contract(s) to generate the amount of Seller Earn Out set forth in (i)(B) above (the "Adjusted Total Debt to EDITDA Ratio") to exceed the ratio set forth below for the period during which such fiscal quarter end occurs: Period Ratio ------ ----- From December 31, 1997, through December 31, 2000 3.25 to 1.00 From January 1, 2001 through December 31, 2001 2.75 to 1.00 From January 1, 2002, and at all times thereafter 2.25 to 1.00