EXHIBIT 99




Explanation of Responses:

Note: Has voting power of nine (9) family trusts  totaling  17,673  shares.  All
Trust accounts are held in street name.  Shares (totaling 3,294 shares) formerly
held by daughters have been  transferred to street  accounts.  No sales of stock
were made. Mr. Shein  previously  disclaimed  any  beneficial  ownership of such
shares.