----

|   | a. | Payroll. Pursuant to Section 6      of this Agreement, ECCU shall prepare and distribute payroll checks to      Assigned Employees, make the appropriate payroll deductions, file the      appropriate reports and make payments to proper government authorities for      all applicable federal, state, and local payroll taxes, Social Security      tax, and federal and state unemployment insurance taxes for the Assigned      Employees.  ECCU shall maintain necessary records and comply      with all reporting procedures and will be solely responsible for paying      the salary, overtime, fees, bonuses, commissions, paid-time-off, and any      other compensation of the Assigned Employees, paying and withholding all      payroll taxes (federal and income tax, FICA, etc.), and making other      withholdings in connection with the salaries and benefits of Assigned      Employees, either voluntary or as required by law, and MPIC will have no      obligations in this regard. |
|--------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | b. | Workers’      Compensation. |
|--------|----|-----------------------------------|

|   | 1. | ECCU      shall secure workers’ compensation coverage in such amounts as is required      by applicable law for Assigned Employees.  This workers’      compensation coverage shall remain in effect until this Agreement is      terminated by either party. |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 2. | ECCU      retains the right to review workers’ compensation classification codes      (“Class Codes”) as      to all Assigned Employees, and ECCU shall have the right to re-classify      Assigned Workers in its discretion to the appropriate Class Codes if      necessary to comply with the guidelines set forth by the National Council      on Compensation Insurance (NCCI) or applicable state regulatory agency,      and MPIC agrees to pay all additional premiums and costs (prospective and      retroactive) resulting from any such changes.  Assigned      Employees shall perform job functions only in approved Class      Codes.  MPIC understands and agrees that prior written approval      must be obtained from ECCU and/or ECCU workers’ compensation carrier      before MPIC may change an Assigned Employee’s Class Code, and Class Codes      not used as of the effective date of this Agreement, or add a worksite      location not covered by thisAgreement. |
|--------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 3. | ECCU      reserves a right of direction and control over management of safety, risk,      and hazard control at the worksite or sites affecting any  Assigned      Employees, including: the right to conduct safety inspections of MPIC      premises; responsibility for the promulgation and administration of      employment and safety policies; and responsibility for the management of      workers' compensation claims, claims filings, and related procedures.      However, MPIC acknowledges that ECCU is not liable or responsible for the      maintenance of MPIC's premises or property, as well as any injuries or      damages occurring as a result of the condition of MPIC's premises or      property, and MPIC agrees to indemnify ECCU for any such injuries or      damages. |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   |  |
|--------|--|

----

|   | c. | Employee      Benefits. |
|--------|----|-------------------------|

|   | 1. | ECCU      Benefit Plans.  ECCU shall      provide and/or administer the benefit programs (the “ECCU Plans”) which shall be      the same ECCU Plans provided to the employees of ECCU as may be adopted      from time to time by ECCU.  An Assigned Employee's available      coverage and eligibility to participate in a given plan shall be governed      by and subject to the terms and conditions of the ECCU Plans and the      policies and procedures of ECCU. ECCU reserves      the right to change, delete or substitute one or more benefit plans it      provides, or to increase premium payments, as applicable, paid by Assigned      Employees, in its sole discretion. With respect to ECCU Plans, ECCU shall      provide advance notice of any changes or premium increases as required by      law or ECCU’s policies. |
|--------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 2. | MPIC      Benefit Plans.  MPIC      reserves the right to adopt one or more employee welfare plans, fringe      benefit plans, pension plans, and reserves the right to adopt, modify or      terminate any employee benefit programs or plans (the "MPIC Plans") it adopts,      subject to ECCU’s approval of such MPIC Plans. MPIC agrees and      acknowledges that ECCU is not adopting      the MPIC Plans, nor is ECCU responsible for      the administration of the MPIC Plans. MPIC further acknowledges and agrees      that unless specifically stated herein, MPIC shall remain responsible for      compliance with all federal and state laws, including, but not limited to,      COBRA and HIPAA, regarding the MPIC Plans. MPIC agrees to indemnify      unconditionally and hold ECCU harmless for any damages, cost, fines, and      penalties incurred by ECCU relating in      any way to the MPIC Plans or contributions made to such    plans. |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 3. | COBRA.  ECCU shall      be responsible for COBRA administration for all eligible Assigned      Employees enrolled in one of the ECCU Plans; however, MPIC agrees that it      has the responsibility to notify ECCU timely (within two business days) of      the occurrence of any Qualifying Event (as defined in section 4980 of the      Internal Revenue Code) that could give rise to coverage under COBRA,      including, but not limited to, termination of an Assigned Employee, or      re-classification of an Assigned      Employee to less than full-time status.  MPIC warrants that, at      all times, the employees listed on Exhibit A were and remain eligible for      COBRA coverage in accordance with federal law, and further warrants that      none of the Assigned Employees were covered under a health plan offered or      sponsored by any company or entity other than ECCU at the time that he/she      first became eligible for COBRAbenefits. |
|--------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   |   |
|--------|--------|

----

|   | a. | Assigned      Employees.  MPIC expressly agrees and understands that no      employee shall become employed by ECCU, covered by ECCU workers’      compensation insurance or benefit plan, or issued a payroll check unless      the individual has, prior to commencing work for ECCU, completed an ECCU      employment application, W-4 withholding form, ECCU employee      acknowledgement forms, and form I-9 (the “Employment Forms”), and      complied with all other pre-employment policies and procedures as may be      implemented by ECCU from time to time, in its sole discretion, all of      which must be delivered to ECCU and meet ECCU’s satisfaction before the      employee commences employment.  Any individual who fails to      satisfactorily comply with ECCU’s practices including completing the      employment forms shall not be an Assigned Employee under this      Agreement.  MPIC agrees to select, screen and approve all      Assigned Employees prior to ECCU providing standard employment forms and      commencing the employment process.  Until all of the Employment      Forms are completed fully and correctly, and delivered to ECCU and the      employment process is completed to ECCU’s satisfaction, ECCU shall not be      considered an employer of an Assigned Employee for any      purpose.  MPIC further agrees that ECCU shall not be an employer      of an Assigned Employee for any purpose, including wages, for any period      of time that MPIC failed to pay in full all payroll and fees due under      this Agreement. |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | b. | Personnel      Policies.  Assigned      Employees shall be subject to the policies and procedures of ECCU as      adopted by ECCU for its employees, except to the extent that ECCU and MPIC      have agreed on different policies and procedures. As requested by MPIC,      ECCU will reasonably work with MPIC to develop and maintain personnel      policies and procedures applicable at MPIC's work site(s), including, but      not limited to, an Employee Handbook; however, MPIC maintains      a right to issue its own employment policies covering Assigned Employees,      subject to ECCU’s approval. MPIC shall      comply with all applicable local, state and federal laws, ordinances, and      regulations with respect to its performance under this      Agreement. |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | c. | Employee      Notification.  MPIC shall      notify, in writing, all Assigned Employees of the inception and      termination of this Agreement.  MPIC shall also immediately upon      termination of this Agreement notify all employees of the termination of      this Agreement and inform them that the Assigned      Employees are (i) no longer employed by ECCU as a co-employer and are      solely employed by MPIC, (ii) no longer covered by ECCU workers’      compensation insurance policy, and if applicable, any ECCU health      insurance policy and ECCU Plans.  MPIC acknowledges that ECCU is      relying on MPIC to notify Assigned Employees as required herein      immediately upon termination of this Service Agreement.  It is      MPIC’s sole responsibility to secure workers’ compensation insurance after      receiving notice of termination of this Agreement from ECCU and to assume      and perform the duties ECCU has performed with respect to the Assigned      Employees and MPIC shall indemnify, defend and hold harmless ECCU for its      failure to do so as provided in Section  16. |
|--------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | d. | Duty      to Inform.  MPIC shall      immediately inform ECCU of all formal and informal complaints,      allegations, or incidents of any Assigned Employee or supervisor      misconduct or workplace safety violations, regardless of the source,      including, but not limited to, allegations of sexual harassment,      discrimination, OSHA violations, or threats of violence, regardless of the      source.  MPIC shall provide complete and accurate disclosure of      all circumstances surrounding such matters.  Failure to comply      with the terms of this paragraph shall be a material breach of the      Agreement. |
|--------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | e. | Compliance      with Laws.  Although      ECCU has agreed to assist MPIC in complying with all applicable employment      laws affecting MPIC’s business, and shall be available to provide human      resource advice, MPIC is not relieved of any obligations imposed on      employers under federal, state or local laws, and MPIC shall continue to      be responsible for complying with all laws affecting the operation of its      business, work place, and the Assigned Employees and MPIC shall indemnify,      defend and hold harmless ECCU for its failure to do so as provided      in  Section 16. |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | a. | Direction      and Control.  MPIC shall      retain sufficient direction and control over the workplace as is necessary      to conduct MPIC’s business operations and without which MPIC would be      unable to conduct its business, discharge any fiduciary or legal      responsibility that it may have, or comply with any applicable licensing,      regulatory, or statutory requirement.  Such authority reserved      by MPIC shall include the right to accept or cancel the assignment of any      Assigned Employee.  Additionally, MPIC shall have sole and      exclusive control over the day-to-day job duties of all Assigned Employees      and ECCU shall have no responsibilities with regard to the Assigned      Employees’ performance of such day-to-day job  duties. |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | ECCU      shall have no control over the Work Site at which or from which, Assigned      Employees perform their services (the “Work      Site”).  MPIC agrees that ECCU shall not be vicariously      liable for the actions or inaction of      any Assigned Employee.  Control over the Work Site is solely and      exclusively assigned to MPIC.  MPIC expressly absolves ECCU of      control over the day-to-day job duties of the Assigned Employees and over      the Work Site.  ECCU does not assume any responsibility for and      makes no assurances, warranties, or guarantees as to the ability or      competence of any Assigned Employee.  Although MPIC may,      pursuant to this Agreement, delegate to ECCU the task of performing or      arranging for, background checks of Assigned Employees, MPIC is solely      responsible for complying with all requirements for background checks of      the Assigned Employees imposed by applicable  law. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   |  |
|--------|--|

----

|   | MPIC      shall make any and all strategic, operational, and all other business      related decisions regarding MPIC’s business.  MPIC shall have      sole and exclusive responsibility and liability for goods and services      provided by MPIC, and for the errors and omissions of the Assigned      Employees including, without limitation, the procurement of and payment      for errors and omissions insurance, directors and officers liability      coverage, general liability insurance, business auto liability insurance      and all bond coverage in amounts agreed upon by MPIC and      ECCU.  Such decisions and related outcomes shall exclusively be      the responsibility of MPIC and ECCU shall bear no responsibility or      liability for any actions or inaction by MPIC or by any Assigned      Employee. |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | b. | Payroll.  At      the end of each pay period, by the date specified by ECCU, MPIC shall      obtain and provide to ECCU all records of actual time worked by each      Assigned Employee.  By submitting such information to ECCU, MPIC      warrants and agrees that the information is accurate and that such      information, as well as the status of the Assigned Employees as either      exempt or nonexempt, is in compliance with the requirements of the Fair      Labor Standards Act, other laws administered by the U.S. Department of      Labor’s Wage and Hour Division, and any applicable state    law. |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | MPIC      shall provide to ECCU, if requested, in a timely manner certain      information about its Assigned Employees as necessary for ECCU to perform      the payroll and administrative services.  Information to be      provided regarding Assigned Employees shall include (i) wage rates or      salary information and all forms of compensation; (ii) employee benefit      elections; (iii) life insurance elections; (iv) information related to      before-and after-tax salary or wage reductions and deductions; (v)      personal bank account information for the sole purpose of making direct      deposits of compensation to the Assigned Employee’s account if so elected      by the Assigned Employee; (vi) federal, state, and local income tax      withholding and related information; (vii) paid-time-off information;      (viii) social security numbers; (ix) employment service date information;      (x) birth date information; (xi) employee contributions to ECCU sponsored      retirement and benefit plans; and (xii) such other related information as      ECCU may, from      time to time, request in furtherance of performing its payroll and      administrative servicesresponsibilities. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   |  |
|--------|--|

----

|   | Because      ECCU does not have any responsibility or opportunity to manage and direct      the day-to-day activities of the Assigned Employees, MPIC acknowledges      that ECCU makes no assurances, representations, warranties, or guarantee      as to the ability, competence or qualifications of any Assigned Employee      and that ECCU shall have no liability for the actions of any Assigned      Employees.  MPIC shall be solely responsible for incorrect,      improper or fraudulent records of hours worked and for improper      classification of Assigned Employees.  MPIC agrees that it is      solely responsible for reporting compensation and associated taxes arising      from any equity-based compensation plan adopted by MPIC, including, but      not limited to stock bonus plans, stock options plans, and stock purchase      plans. |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | c. | No      Other Compensation.  MPIC also      represents and warrants that all wages (including bonuses) paid to any      Assigned Employee are to be paid through ECCU and that any such Assigned      Employees will receive no additional wages in any form from MPIC, or one      of its affiliates or subsidiaries.  MPIC agrees that all      Assigned Employees will be paid, in any form, from the assets of MPIC, or      one of its affiliates or subsidiaries.  MPIC agrees that all      Assigned Employees will be paid at least the minimum hourly wage or      minimum salary, as applicable, required under federal and state      law. |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | MPIC  agrees      it will be solely responsible for damages of any nature arising out of      MPIC’s failure to report to ECCU the payment to an Assigned Employee of      any remuneration for services rendered for MPIC.  In addition,      ECCU shall not be considered to be an employer of any individual for whom      required payroll information is not supplied during any payroll period      (“Non-payroll      Employee”).  MPIC assumes the sole and full      responsibility for workers’ compensation claims, benefit claims (including      but not limited to, health insurance claims and pension claims), tax      obligations, employment discrimination claims, general liability claims,      third-party claims, and any and all other obligations, damages, suits, or      claims arising from or relating in any way to a Non-payroll Employee,      whether paid in whole or in part by MPIC, as an employee, independent      contractor, or in any othercapacity. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | a. | Services      Rendered.  During the      term of this Agreement, MPIC agrees to take all actions necessary to      authorize ECCU to draw checks, drafts or electronic funds transfer      transactions upon a corporate checking account established by MPIC at a      financial institution mutually agreeable to the parties      to meet the payroll requirements for Assigned Employees and to pay the fee      obligations ECCU incurs for services rendered by ECCU under this      Agreement.  MPIC agrees to deliver payment for such services or      authorize the release of such funds to pay for services rendered by ECCU      under this Agreement within ten (10) days of invoice date.  Any      unpaid balance will be subject to a periodic charge of one percent per      calendar month until paid in full.  ECCU reserves the right to      terminate this Agreement at any time if full payment is not made when      due.  Should MPIC require additional administrative services      from ECCU that are not included in this Agreement, the fee for any such      additional services shall be negotiated and paid      separately. |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | b. | Fee      Adjustment.  The fees      for services provided by ECCU are subject to adjustment by ECCU based upon      changes in local, state and federal employment law, changes in insurance      requirements or costs, costs attributed to MPIC or to Assigned Employees      assigned to MPIC, changes in MPIC’s payroll or changes in costs incurred      by ECCU in providing such services under this Agreement.  Where      possible, ECCU agrees to provide MPIC with at least a thirty (30) day      advance written notice of a fee adjustment; provided, however, that (i)      the fee adjustment shall take effect as of the effective date of any cost      increase to ECCU and (ii) regardless of advance notice, MPIC agrees that      it shall be liable for all fee increases pursuant to this Section 6(b).      Within thirty (30) days of the effectiveness of a fee increase, MPIC shall      be entitled to terminate this Agreement upon written notice to ECCU such      termination to be effective thirty (30) days from the date of such      termination notice. |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | c. | Change      in Scope of Services.  If during      the term of this Agreement, MPIC’s need for administrative services      hereunder is increased or reduced by a significant change in the scope of      MPIC’s business or operations, as a result of dispositions or otherwise,      MPIC may request, and ECCU may provide, an appropriate change in the level      of services provided hereunder and such parties shall in good faith      redetermine the fee payable for such services for the remainder of the      term of this Agreement on the basis of the change in level of such      administrative services. |
|--------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

----

|   | a. | By      MPIC and ECCU mutually agreeing to terminate this Agreement prior to      expiration of the term. |
|--------|----|-----------------------------------------------------------------------------------------------------------|

|   | b. | At      the nondefaulting party's option, upon a default as defined in Section 15      below by the nondefaulting party giving written notice to the defaulting      party specifying the default. Upon receipt of such notice, the defaulting      party shall have thirty (30) days to cure or begin in good faith to cure      the default and if the default is cured, or good faith efforts are begun      to cure the default, then this Agreement shall continue as if no notice      was sent; otherwise, the termination date shall be thirty (30) days from      the date the defaulting party receives notice from the nondefaulting party      of termination due to a default. |
|--------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | a. | Termination      by Either Party.  Subject to      Section 14(b), either party may at any time immediately terminate this      Agreement in the event of a material breach by the other party of the      Agreement. The term "material breach”, as used herein, includes, but is      not limited to, the following: (1) failure to comply with any federal,      state, or local law; (2) failure to provide to ECCU sufficient payroll      information or provide sufficient funds to cover payroll if ECCU requires      such; (3) failure to comply fully with a directive or order from a      governmental agency or insurance carrier; (4) breach of any material      warranty or representation made herein; (5) failure to notify ECCU of a      claim of sexual harassment, discrimination, or other improper conduct made      by or relating to an Assigned Employee; or (6) the failure to comply with      the terms and obligations under thisAgreement. |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | b. | Termination      by ECCU.  ECCU may      also terminate this Agreement if, at any time, ECCU in      its sole discretion determines that a material adverse change has occurred      in the financial condition of MPIC, or that MPIC is unable to pay its      debts as they become due in the ordinary course of business. This      Agreement may also be terminated at any time by ECCU in the event of      any federal, state, or      local legislation, regulatory action, insurance carrier action, law      enforcement, or judicial decision, which, in the sole discretion of      ECCU, adversely      affects its interest under this Agreement. ECCU may also      terminate this agreement if, in its discretion,      the MPIC's workers compensation experience has become unacceptable, or if      a provider of workers compensation insurance to ECCU decides      to cancel or non-renew a policy of insurance issued to      ECCU. |
|--------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | c. | Termination      for Non-Payment.  If MPIC      fails to pay any amount due under this Agreement in full when due, fails      to pay any other fees or amounts due hereunder in full, ECCU may      terminate this Agreement by providing written notice pursuant to Section      14 above. |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | d. | Effect      of Termination.      Upon termination of this Agreement, for any reason, or should MPIC      fail to timely pay ECCU for its services, all of the Assigned Employees      shall be deemed to have been laid off by ECCU as of the effective date of      the termination or upon MPIC’s failure to make a payment when due, as the      case may be, and MPIC shall be the sole employer of the Assigned Employees      and immediately assume any obligations which had been delegated by it to      ECCU including, without limitation, all federal, state and local      obligations of an employer to the employees which are not in conflict with      state or federal law, and shall assume full responsibility for providing      workers' compensation coverage and benefits as required by law. MPIC shall      be solely responsible for reinstating any Assigned Employee to work who      was out on FMLA or similar leave. ECCU shall immediately be released from      such obligations as are permitted by law as of the effective date of      termination or MPIC’s failure to make a payment when due. It is the intent      of the parties that, where allowed by law, the parties hereto be placed in      their respective positions immediately ,before      their entry into this Agreement in the event of a termination or MPIC's      failure to pay ECCU for services rendered under this Agreement. If for any      reason (whether or not required by applicable law) ECCU makes any payment      to any of the Assigned Employees after this Agreement has been terminated,      ECCU shall be entitled to full reimbursement for such expenditures to the      extent that it has not received payment from MPIC for such payments.      Termination of this Agreement shall not affect the continuation of any      outstanding obligation or liability incurred by either party during the      term of this Agreement, including payment to  ECCU. |
|--------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | e. | COBRA      Coverage.  If      ECCU group      health insurance coverage has been accepted pursuant to this Agreement,      upon termination of this Agreement, for any reason, MPIC shall assume from      ECCU all      responsibility and obligation for the continuation of coverage for any      COBRA participants listed in Exhibit A, as well as for any Assigned      Employees receiving COBRA benefits at the time of termination of the      Agreement, and all Assigned Employees eligible for COBRA benefits at the      time of termination of the Agreement, for the remainder of their COBRA      eligibility period. |
|--------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

----

----

----

| "ECCU"                                                     | "MPIC"                                                   |
|------------------------------------------------------------|----------------------------------------------------------|
| Evangelical      Christian Credit Union                    | Ministry      Partners Investment Corporation            |
|                                                       |                                                     |
|                                                       |                                                     |
|                                                       |                                                     |
| By:___________________________                             | By:___________________________                           |
|      Brian      D. Scharkey       |       Billy      M. Dodson |
|      Chief      Financial Officer |       President            |

----