Exhibit 10.16

MODFICATION TO CREDIT AGREEMENT
(SBA Loan No. EXP 493-154-4000)

This AGREEMENT, made as of January 1, 2003, by and among COMMUNITY CAPITAL BANK,
a  New  York  Banking  Corporation  having  an  office at 111 Livingston Street,
Brooklyn,  New  York  11201 (herein called the "Bank"), M.T. Marketing INT. Corp
d/b/a  "MT  Ultimate  Healthcare Referral Services", a Nevada Corporation Having
its  chief  executive  office  at  43  Pulaski Street , Brooklyn, New York 11206
(herein  called  the  "Borrower"), and MCDONALD S. TUDEME and MARGUERITA TUDEME,
each an individual residing at 43 Pulaski Street, Brooklyn, New York 11206 and a
director,  an  officer  and  a  shareholder of the Borrower (herein individually
called  a  "Guarantor"  and  collectively  called  the  "Guarantors").

WHEREAS:

     I.   The  Borrower,  the Guarantors and the Bank have entered into a Credit
          Agreement,  dated  as  of December 12, 2001 (herein called the "Credit
          Agreement"),  pursuant to which the Bank established an SBA-guaranteed
          Revolving  Line  of  credit  for use by the Borrower and conditionally
          committed,  for  a period ending December 1, 2002 to make Credit Loans
          to the Borrower in a principal amount not to exceed, in the aggregate,
          at any one time outstanding, the sum of One hundred Fifty Thousand and
          no/100  ($150,000.00)  Dollars.

     II.  The  Borrower  has  required  that  the  Bank  (a)  extend  its Credit
          Commitment  and the Termination Date (as such terms are defined in the
          Credit Agreement) to December 1, 2004 and (b) extend the Maturity Date
          (as  such term is defined in the Credit Agreement) to January 1, 2005.

     III. The  Bank  is  willing to grant to the Borrower such extensions of the
          Termination  Date  and the Maturity Date upon the terms and conditions
          hereinafter  set  forth.

          NOW,  THEREFORE, in consideration of the premises and mutual covenants
          herein  contained,  the  parties  hereto  agree  as  follows:

          1.   Defined  Terms.  Terms  for  which  meanings  are provided in the
               --------------
               Credit  Agreement,  unless  otherwise  defined  herein,  are used
               herein  with  such  meanings.
          2.   Modification  of Credit Agreement. The Credit Agreement is hereby
               ---------------------------------
               modified  as  below  provided  and,  except as so modified, shall
               remain  in  full  force  and  effect.  In  the  event  of  any
               inconsistency  between the terms, covenants and provisions of the
               Credit  Agreement  and  of  this Modification to Credit Agreement
               (herein  called  the  "Modification  Agreement"),  the  term,
               covenants,  conditions  and  provisions  of  this  Modification
               Agreement  shall  be  controlling.

               a.   Paragraph  1  of  the credit Agreement is hereby deleted and
                    the  following  provisions  substituted  therefore:

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               i.   Credit  Commitment.
                    -------------------
               Subject  to  the terms and conditions of this Agreement, the Bank
               agrees  (herein  called  its  "Credit Commitment") that it hereof
               (herein  called the "Closing Date") and continuing to the earlier
                                                                         -------
               of  December  1,  2004  or the date on which there shall occur An
               Event  of  Default  under  this  Agreement  (herein  called  the
               "Termination Date"), make loans (herein called "Credit loans") to
               the  Borrower, from time to time, when requested by the Borrower;
               provided,  however,  that  the Bank shall not be required to make
               --------   -------
               any  Credit  Loan  if, after giving effect thereto, the aggregate
               outstanding principal amount of all Credit Loans would exceed the
               Bank's  Credit  Commitment.  Subject  to  the  terms  hereof, the
               Borrower  may  from  time  to  time  borrow,  repay and re-borrow
               amounts  pursuant  to  the  "Credit  Commitment."

               b.   Paragraph  4(a)  and  (b)  of the Credit Agreement is hereby
                    deleted  and the following provisions substituted therefore:

     4.   Repayment;  Interest;  Default  Rate;  Late  Charges;  Clean-Up.
          ---------------------------------------------------------------

          a.   The  Borrower  shall  pay interest on the principal amount of the
               Note  from  time  to time advanced and outstanding, computed from
               the  date  of each Credit loan, at the floating rate equal to one
               (1.0%)  percent  per  annum  above  the Prime rate (as defined in
               subparagraph  (C)  below), as follows: interest only shall be due
               and  payable on February 1, 2002 and continuing on the 1st day of
               each calendar month thereafter to and including termination Date.
               Said  rate  shall initially be determined AND BE EFFECTIVE ON THE
               Closing  Date,  and  then  adjusted  upon any change in the Prime
               Rate,  each  such  change being effective on the first day of the
               calendar  month  following  the  month in which the change in the
               Prime  Rate  occurred,  but  in no event in excess of the maximum
               interest  rate  permitted  to  be  charged  the  Borrower  under
               applicable  law.
          b.   The  principal  sum  of  One  Hundred  Fifty  Thousand and No/100
               ($150,000.00)  Dollars  or so much thereof as may be advanced and
               outstanding  pursuant  to  the  terms  hereof shall be payable on
               January  1,  2005  (herein  called  the  "Maturity  Date")."

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     3.   Representations  and  Warranties.  The  Borrower hereby represents and
          --------------------------------
          warrants  that:

          a.   the  representations  and warranties set forth in Paragraph 10 of
               the  Credit  Agreement  were  true  and correct as of the date on
               which made, on the closing Date, on the date of each Credit loan,
               and  on  the  data  of  the  execution  by  the  Borrower and the
               Guarantors of this Modification Agreement and no event of Default
               has  occurred  and  is  continuing;
          b.   no  litigation,  arbitration  of  governmental  proceeding  or
               investigation  against the Borrower of any Guarantor or Affecting
               the  business or operations of the Borrower is pending or, to the
               knowledge  of the Borrower or any Guarantor, threatened which was
               not  disclosed to the bank pursuant to the Credit Agreement prior
               to  the  most  recent  Credit  loans,  and  no development not so
               disclosed  shall  have occurred in any litigation, arbitration or
               governmental  investigation  or proceeding so disclosed, which in
               either  event,  if adversely determined, might, have a materially
               adversely  effect  upon  the  financial  condition, operations or
               prospects  of  the  Borrower  or  any Guarantors to perform their
               respective  obligations  under  the  Credit  Agreement  or  any
               instrument  executed  pursuant  thereto  by  the  borrower or any
               Guarantor;
          c.   the most recent financial statements furnished to the bank fairly
               present  the  financial condition of the Borrower as at such date
               and  the results of the operations of the Borrower for the period
               then  ended,  and  since  said  date,  there has been no material
               adverse  change  in  such  conditions  or  operations;  and
          d.   the amount of principal indebt ness advance and outstanding under
               the  Credit  Agreement  on  the  date  of  the  execution of this
               Modification  Agreement  by  the  Borrower  and the Guarantors is
               $144,528.29  and  neither  the Borrower nor any Guarantor has any
               counterclaims  defenses  or  offsets  to  said  indebtedness;
     4.   Conditions  Precedent. The obligations of the Bank here under shall be
          --------------------
          subject  to  the  performance  by  the  borrower of all its agreements
          heretofore  to  be  performed and to the following further conditions:

          a.   The  bank  shall  have  received an original of this Modification
               Agreement,  duly  executed by the Borrower and the Guarantors not
               later  than  June  30,  2003

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          b.   The  Borrower  shall have executed and delivered to the bank its
               Amended  and Restated Note on SBA form 147, made as of January 1,
               2003,  in  the  maximum  principal  amount  of  $150,000.00;
          c.   Lender  must  pay a guarantee fee in the amount of $937.50 to the
               united  States  Small  Business Administration in connection with
               this  modification  Agreement  and Borrower shall have reimbursed
               lender  said  guarantee  fee;  and
          d.   The  legal fee of the Bank's counsel, Laurence K. Brown, Esq., in
               connection  with  the  preparation of this Modification Agreement
               shall  have  been  paid  by  the  Borrower.

     IN WITNESS WHEREOF, the parties hereto have executed this Modification to
Credit Agreement.

          Borrower:      M.T. Marketing INT. Corp.

                         By:  /s/ Macdonald S. Tudeme
                         Macdonald S. Tudeme
                         President

                         November 7, 2003


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