**Exhibit
      10.8**




**Highland
      Realty 8, Development**


**10801
      Johnston Road**


**Charlotte,
      NC 28226**


**Phone:
      704-542-8348, Fax: 704-542-8281**




RELATORS*
                COMMERCIAL
                  ALLIANCE
              
              
              **COMMERCIAL
                  LEASE AGREEMENT**(**Multi-Tenant
                  Facility)**REALTOR*
                  *North Carolina Association*
                *of
                  REALTORS*




**THIS
      LEASE AGREEMENT,**including any and all addenda attached hereto
      ("Lease"), is by and between




Fran
      Baltmiskis




a(n)
          an
          individual _______________________("Landlord"), (individual
          *or*State of formation and type of entity) whose
          address is10801 Johnston Rd., Suite 214, Charlotte, N.C. 28226and
 Anchor
        FundingServices, LLC




a(n)North
      Carolina Limited
      Liability("Tenant"). (individual
      *or*State of formation and type of entity) whose
      address is10801 Johnston Rd., Suite 209-210, Charlotte, N.C.
      28226






oIf
      this box is checked,
      the obligations of Tenant under this Lease are secured by the guaranty of n/a(name(s) of guarantor(s)) attached hereto and incorporated herein
      by
      reference.


**(Note:
      Any guaranty should be prepared by an attorney at law.)**




For
      and
      in consideration of the mutual promises set forth herein and other good and
      valuable consideration, the receipt and sufficiency of which are hereby
      acknowledged, the parties hereto agree as follows:




**PREMISES/PROPERTY**


**(Note:
      In this paragraph, Premises is the actual space being leased and Property is
      the
      broader site/location of the Premises.)**


1.
      (a)
      Landlord leases unto Tenant, and Tenant hereby leases and takes upon the terms
      and conditions which hereinafter appear, those certain premises depicted on
      **Exhibit**Aattached hereto and incorporated herein by reference (hereinafter called
      the "Premises"), which is a part of a building or buildings located at the
      Property (defined below).




The
      address of the Premises is:




(Address):


10801
      Johnston Rd., Suite 211, Charlotte, N.C. 28226




(b)
      The
      Premises is located at the following described property ("Property"):




(Address):


McGregor
      Downs Building, 10801 Johnston Rd., Charlotte, N.C. 28226




oAll 
o****A
          portion of the property in Deed
          Reference: Bookn/a,_____________,Page Non/a_______________________, n/a____________________


County;
      consisting of approximately n/a
      ___________________________  acres.




Plat
      Reference: Lot(s)n/a __________________________ ,Block
      or Sectionn/a                                              ,as
      shown on Plat Book or Sliden/a_______________________


at
      Page(s) n/a  ________________,n/a____________________County,
      consisting of n/a ___________________________ acres.




o  
If
      this box
      is checked, Property shall mean that property described on **Exhibit****B**attached hereto and incorporated herewith by
      reference.




(For
      information purposes only, the tax
      parcel number of the Property isn/a




Allfacilities furnished at the Property and designated for the general
      use,
      in common, of occupants of the Property and their invitees, agents





1




or
      employees, including Tenant hereunder, including but not limited to parking
      areas, streets, driveway s, sidewalks, canopies, roadways, loading platforms,
      shelters, ramps, landscaped areas, exterior water faucets, irrigation systems,
      exterior lighting fixtures, signs and other facilities whether of a similar
      or
      dissimilar nature ("Common Areas") shall at all times be subject to the
      exclusive control and management of Landlord, and Landlord shall have the right
      from time to time to change the area, level, location and arrangement of the
      Common Areas and to restrict parking by tenants and their employees to employee
      parking areas, to make Rules and Regulations (as herein defined) and do such
      things from time to time as in Landlord's reasonable discretion may be necessary
      regarding the Common Areas.




Tenant
      shall also have a non-exclusive right, in common with other tenants at the
      Property, to the use of the Common Areas at the Property, subject to the terms
      hereof.




**TERM**


2.The
      term
      of this Lease shall commence on **November****01
      , 2007**("Lease Commencement Date"), and shall end at
      midnight on
**May****30,
      2009****,******unless
      sooner terminated as herein provided. The first Lease Year Anniversary shall
      be
      the date twelve (12) calendar months after the first day of the first full
      month
      immediately following the Lease Commencement Date and successive Lease Year
      Anniversaries shall be the date twelve (12) calendar months from the previous
      Lease Year Anniversary.




xIf
      this box is checked,
      Tenant shall have the option of renewing this Lease, upon written notice given
      to Landlord at least90days
      prior to the end of the then
      expiring term of this Lease, foroneadditional
      term(s) of**Two** years
      each.






**q**  **Option
      to
      Lease-**If this box is checked, Tenant, upon the payment of the
      sum of $ n/a(which sum
      is not rental or security deposit hereunder, but is consideration for this
      Option to Lease and is non-refundable under any circumstances) shall have a
      period of n/adays prior
      to the Lease Commencement Date ("Option Period") in which to inspect the
      Premises and make inquiry regarding such sign regulations, zoning regulations,
      utility availability, private restrictions or permits or other regulatory
      requirements as Tenant may deem appropriate to satisfy itself as to the use
      of
      the Premises for Tenant's intended purposes. Tenant shall conduct all such
      on-site inspections, examinations, inquiries and other review of the Premises
      in
      a good and workmanlike manner, shall repair any damage to the Premises caused
      by
      Tenant's entry and on-site inspections and shall conduct same in a manner that
      does not unreasonably interfere with Landlord's or any tenant's use and
      enjoyment of the Property. In that respect, Tenant shall make reasonable efforts
      to undertake on-site inspections outside of the hours any tenant's business
      is
      open to the public and shall give prior notice to the tenant at the Premises
      of
      any entry onto the Premises for the purpose of conducting inspections. Upon
      Landlord's request, Tenant shall provide to Landlord evidence of general
      liability insurance. Tenant shall also have a right to review and inspect all
      contracts or other agreements affecting or related directly to the Premises
      and
      shall be entitled to review such books and records of Landlord that relate
      directly to the operation and maintenance of the Premises, provided, however,
      that Tenant shall not disclose any information regarding the Property (or any
      tenant therein) unless required by law and the same shall be regarded as
      confidential, to any person, except to its attorneys, accountants, lenders
      and
      other professional advisors, in which case Tenant shall obtain their agreement
      to maintain such confidentiality. Tenant assumes all responsibility for the
      acts
      of itself, its agents or representatives in exercising its rights under this
      Option to Lease and agrees to indemnify and hold Seller harmless from any
      damages resulting therefrom. This indemnification obligation of Tenant shall
      survive the termination of this Option to Lease or this Lease. Tenant shall,
      at
      Tenant's expense, promptly repair any damage to the Premises or Property caused
      by Tenant's entry and on-site inspections. **IF
      TENANT
      CHOOSES NOT TO****LEASE
      THE
      PREMISES, FOR ANY REASON OR NO REASON, AND PROVIDES WRITTEN NOTICE TO LANDLORD****THEREOF
      PRIOR TO THE EXPIRATION OF THE OPTION PERIOD, THEN THIS LEASE SHALL TERMINATE
      AND NEITHER PARTY SHALL HAVE ANY FURTHER OBLIGATIONS HEREUNDER AND LANDLORD
      SHALL RETURN TO****TENANT
      ANY
      RENTAL OR SECURITY DEPOSIT PAID TO LANDLORD HEREUNDER.**Tenant
      shall be deemed to have exercised its Option to Lease and to be bound under
      the
      terms of this Lease if (i) Tenant shall occupy the Premises prior to the
      expiration of the Option Period, whereupon the date of occupancy shall be deemed
      the Lease Commencement Date, or (ii) Tenant shall not provide written notice
      to
      Landlord of its termination of this Lease prior to the expiration of the Option
      Period.






**RENTAL**


3.
      Beginning on **November
      01, 2007**("Rent Commencement Date"), Tenant agrees to pay
      Landlord (or its Agent as directed
      by Landlord), without notice, demand, deduction or set off, an annual rental
      of
**$****9,000.00** **,******payable
      in equal monthly installments
      of **$****750.****00**********,
      in advance on the first day of each calendar month during the term hereof.
      Upon
      execution of this Lease, Tenant shall pay to Landlord the first monthly
      installment of rent due hereunder. Rental for any period during the term hereof
      which is less than one month shall be the pro-rated portion of the monthly
      installment of rental due, based upon a 30 day month.




q  If
      this
      box is checked, the annual rental payable hereunder (and accordingly the monthly
      installments) shall be adjusted every **one**Lease
      Year Anniversary by 4 %over the amount then payable hereunder. In the event renewal of this
      Lease is provided for in paragraph
      2 hereof and effectively exercised by Tenant, the rental adjustments provided
      herein shall apply to the term of the Lease so renewed, or




q  If
      this
      box is checked, the annual rental payable hereunder (and accordingly the monthly
      installments) shall be adjusted every **n/a**Lease
      Year Anniversary by $ **nia** over
      the amount then payable hereunder. In the event renewal of this Lease is
      provided for in paragraph 2 hereof and effectively exercised
      by Tenant, the rental adjustments provided herein shall apply to the term of
      the
      Lease so renewed,




2





x
      If this box is checked,
      Tenant shall pay all rental to Landlord's Agent at the following
      address:




Highland
      Realty & Development, Ltd., 10801 Johnston Rd., Suite 116, Charlotte, N.C.
      28226




**LATE
      CHARGES**


4.  If
      Landlord fails to receive full rental payment within 10days after it becomes due, Tenant shall pay Landlord, as additional rental,
      a
      late charge equal to tenpercent
      10(%) of the overdue amount or $n/awhichever
      is greater, plus any actual bank fees incurred for dishonored payments. The
      parties agree that such a late charge represents a fair and reasonable estimate
      of the cost Landlord will incur by reason of such late payment.




**SECURITY
      DEPOSIT**


5.  Upon
      the
      execution of this Lease, Tenant shall deposit with Landlord the sum of $750
      -
      00as a security deposit which shall be held by Landlord
      as security for the full and faithful performance by Tenant of each and every
      term, covenant and condition of this Lease. The security deposit does not
      represent payment of and Tenant shall not presume application of same as payment
      of the last monthly installment of rental due under this Lease. Landlord shall
      have no obligation to segregate or otherwise account for the security deposit
      except as provided in this paragraph 5. If any of the rental or other charges
      or
      sums payable by Tenant shall be over-due and unpaid or should payments be made
      by Landlord on behalf of Tenant, or should Tenant fail to perform any of the
      terms of this Lease, then Landlord may, at its option, appropriate and apply
      the
      security deposit, or so much thereof *as may*be necessary,
      to
      compensate toward the payment of the rents, charges or other sums due from
      Tenant, or towards any loss, damage or expense sustained by Landlord resulting
      from such default on the part of the Tenant; and in such event Tenant upon
      demand shall restore the security deposit to the amount set forth above in
      this
      paragraph 5. In the event Tenant furnishes Landlord with proof that all utility
      bills and other bills of Tenant related to the Premises have been paid through
      the date of Lease termination, and performs all of Tenant's other obligations
      under this Lease, the security deposit shall be returned to Tenant within sixty
      (60) days after the date of the expiration or sooner termination of the term
      of
      this Lease and the surrender of the Premises by Tenant in compliance with the
      provisions of this Lease.




xIf
      this box is checked,
      Agent shall hold the security deposit in trust and shall be entitled to the
      interest, if any, thereon.




**UTILITY
      BILLS/SERVICE CONTRACTS**


6.
      Landlord and Tenant agree that utility bills and service contracts ("Service
      Obligations") for the Premises shall be paid by the party indicated below as
      to
      each Service Obligation. in each instance, the party undertaking responsibility
      for payment of a Service Obligation covenants that they will pay the applicable
      bills prior to delinquency. The responsibility to pay for a Service Obligation
      shall include all metering, hook-up fees or other miscellaneous charges
      associated with establishing, installing and maintaining such utility or
      contract in said party's name. Within thirty (30) days of the Lease Commencement
      Date, Tenant shall provide Landlord with a copy of any requested Tenant Service
      Obligation information.




**Service
              Obligation**
            **Landlord**
            **Tenant**
            **Not
              Applicable**Sewer/Septic
            x
            o
            qWater
            x
            o
            qElectric
            o
            x
            qGas
            o
            q
            xTelephone
            o
            x
            qHVAC
                (maintenance/service contract)
            x
            o
            qElevator
                (including phone line)
            o
            q
            xSecurity
                System
            o
            q
            xFiber
                Optic
            o
            q
            xJanitor/Cleaning
            o
            q
            qTrash/Dumpster
            x
            q
            qLandscaping/Maintenance
            o
            q
            qSprinkler
                System (including phone line)
            q
            q
            xPest
                Control
            q
            q
            xn/a
            o
            q
            xn/a
            q
            q
            q**n/a**
            q
            q
            q**n/a**
            
            
            q







3




Landlord
      shall not be liable for injury to Tenant's business or loss of income there-from
      or for damage that may be sustained by the person, merchandise or personal
      property of Tenant, its employees, agents, invitees or contractors or any other
      person in or about the Premises, caused by or resulting from fire, steam,
      electricity, gas, water or rain, which may leak or flow from or into any part
      of
      the Premises, or from the breakage, leakage, obstruction or other defects of
      any
      utility installations, air conditioning system or other components of the
      Premises or the Property, except to the extent that such damage or loss is
      caused by Landlord's gross negligence or willful misconduct. Landlord makes
      no
      representations or warranties with respect to the heating, ventilation and
      air
      conditioning system(s) or utility installations existing as of the date hereof
      or in the future. Subject to the provisions of this paragraph 6, Landlord shall
      not be liable in damages or otherwise for any discontinuance, failure or
      interruption of service to the Premises of utilities or the heating, ventilation
      and air conditioning system(s) and Tenant shall have no right to terminate
      this
      Lease or withhold rental because of the same.




**RULES
      AND REGULATIONS**


7.  The
      rules
      and regulations, if any, attached hereto ("Rules and Regulations") are made
      a
      part of this Lease. Tenant agrees to comply with any Rules and Regulations
      of
      Landlord in connection with the Premises which are in effect at the time of
      the
      execution of the Lease or which may be from time to time promulgated by Landlord
      in its reasonable discretion, provided such Rules and Regulations are in writing
      and are not in conflict with the terms and conditions of the Lease. Landlord
      shall use commercially reasonable efforts to enforce such Rules and Regulations
      at the Property, provided, however, in no event shall Landlord be obligated
      to
      make any material expenditures in connection with the enforcement of such Rules
      and Regulations. Landlord shall not be liable for any damages arising from
      any
      use, act or failure to act of any other tenant or occupant (including such
      tenant's or occupant's invitees, agents or employees), if any, of the
      Property.




**PERMITTED
      USES**


8.  The
      permitted use of the Premises shall
      be**Professional**Office
      Use
      Only


("Permitted
      Use"). The Premises shall be used and wholly occupied by Tenant solely for
      the
      purposes of conducting the Permitted Use, and the Premises shall not be used
      for
      any other purposes unless Tenant obtains Landlord's prior written approval
      of
      any change in use. Landlord makes no representation or warranty regarding the
      suitability of the Premises for or the legality (under zoning or other
      applicable ordinances) of the Permitted Use for the Premises, provided however,
      that Landlord does represent that it has no contractual obligations with other
      parties which will materially interfere with or prohibit the Permitted Use
      of
      Tenant at the Premises. At Tenant's sole expense, Tenant shall procure, maintain
      and make available for Landlord's inspection from time to time any governmental
      license(s) or permit(s) required for the proper and lawful conduct of Tenant's
      business in the Premises. Tenant shall not cause or permit any waste to occur
      in
      the Premises and shall not overload the floor, or any mechanical, electrical,
      plumbing or utility systems serving the Premises. Tenant shall keep the
      Premises, and every part thereof, in a clean and wholesome condition, free
      from
      any objectionable noises, loud music, objectionable odors or
      nuisances.




**TAXES,
      INSURANCE AND COMMON AREA AND PROPERTY OPERATING EXPENSES**


9.
      Landlord shall pay all taxes (including but not limited to, ad valorem taxes,
      special assessments and any other governmental charges) on the Property, shall
      procure and pay for such commercial general liability, broad form fire and
      extended and special perils insurance with respect to the Property as Landlord
      in its reasonable discretion may deem appropriate and shall maintain and operate
      the Common Areas and the Property. Tenant shall reimburse Landlord for its
      proportionate share of all taxes, insurance and Common Areas and Property
      operating expenses as provided herein within fifteen (15) days after receipt
      of
      notice from Landlord as to the amount due. Tenant shall be solely responsible
      for insuring Tenant's personal and business property and for paying any taxes
      or
      governmental assessments levied thereon. Tenant shall reimburse Landlord for
      its
      proportionate share of taxes, insurance and Common Areas and Property operating
      expenses during the term of this Lease, and any extension or renewal thereof;
      as
      follows:




**Taxes**


o 
Its
      proportionate
      share of the amount by which all taxes (including but not limited to, ad valorem
      taxes, special assessments and any other governmental charges) on the Property
      for each tax year exceed all taxes on the Property for the tax year **n/a** _____________________**;******or




o 
Its
      proportionate
      share of all taxes (including but not limited to, ad valorem taxes, special
      assessments and any other governmental charges) on the Property for each tax
      year.




If
      the
      final Lease Year of the term fails to coincide with the tax year, then any
      excess for the tax year during which the term ends shall be reduced by the
      pro
      rata part of such tax year beyond the Lease term. If such taxes for the year
      in
      which the Lease terminates are not ascertainable before payment of the last
      month's rental, then the amount of such taxes assessed against the Property
      for
      the previous tax year shall be used as a basis for determining the pro rata
      share, if any, to be paid by Tenant for that portion of the last Lease
      Year.




o
            If
                this box is checked, Tenant shall reimburse Landlord for its proportionate
                share of taxes by paying to Landlord, beginning on the Rent Commencement
                Date and on the first day of each calendar month during the term
                hereof,
                an amount equal to one-twelfth (1/12) of its proportionate share
                of the
                then current tax payments for the Property. Upon receipt of bills,
                statements or other evidence of taxes due, Landlord shall pay or
                cause to
                be paid the taxes. If at any time the reimbursement payments by Tenant
                hereunder do not equal its proportionate share of the amount of taxes
                paid
                by Landlord, Tenant shall upon demand pay to Landlord an amount equal
                to
                the deficiency or Landlord shall refund to Tenant any overpayment
                (as
                applicable) as







4




documented
      by Landlord. Landlord shall have no obligation to segregate or otherwise account
      for the tax reimbursements paid hereunder except as provided in this paragraph
      9.




**Insurance**


o 
Its
      proportionate
      share of the excess cost of commercial general liability, broad form fire and
      extended and special perils insurance with respect to the Property over the
      cost
      of the first year of the Lease term for each subsequent year during the term
      of
      this Lease; or




q**Its**proportionate share of the cost of all commercial general liability,
      broad form fire and extended and special perils insurance with respect to the
      Property.




Provided,
      however, that in the event Tenant's use of the Premises results in an increase
      in the rate of insurance on the Property, Tenant also shall pay to Landlord,
      upon demand and as additional rental, the amount of any such
      increase.




o
            If
                this box is checked, Tenant shall reimburse Landlord for its proportionate
                share of insurance by paying to Landlord, beginning on the Rent
                Commencement Date and on the first day of each calendar month during
                the
                term hereof, an amount equal to one-twelfth (1/12) of its proportionate
                share of the then current insurance premiums for the Property. Upon
                receipt of bills, statements or other evidence of insurance premiums
                due,
                Landlord shall pay or cause to be paid the insurance premiums. If
                at any
                time the reimbursement payments by Tenant hereunder do not equal
                its
                proportionate share of the amount of insurance premiums paid by Landlord,
                Tenant shall upon demand pay to Landlord an amount equal to the deficiency
                or Landlord shall refund to Tenant any overpayment (as applicable)
                as
                documented by Landlord. Landlord shall have no obligation to segregate
                or
                otherwise account for the insurance premium reimbursements paid hereunder
                except as provided in this paragraph
                9.




**Common
      Areas and Property Operating Expenses**




o 
Its
      proportionate
      share of all Common Areas and Property operating expenses.






For
      the purpose of this Lease, Common
      Areas and Property operating expenses shall include: (a) the cost of water
      and
      sewer services for any exterior landscaping irrigation systems; (b) the cost
      of
      utilities to service the Property (not separately metered to tenants and
      regardlessof their
      allocation to Landlord under paragraph 6 hereof) including but not limited
      to,
      electric service for any parking lot lighting, marqueesigns, ground signs,
      pylon signs, time
      clocks, irrigation systems, common electric outlets used in connection with
      maintenance of the Property,and such other electric
      costs,
      including the replacement of light bulbs in Common Areas light fixtures as
      necessary to properly maintainand operate the Common
      Areas; (c) the
      cost of the removal of any trash, including the rental cost of dumpster units
      and fees for refuseremoval; (d) the cost
      of exterior
      window washing of vacant spaces, cleaning of any building exterior, awnings,
      sidewalks, driveways andparking areas; (e) the
      cost of
      anygrounds maintenance, including but not limited to charges for maintaining
      plant materials, fertilizer, pesticides,grass mowing, pruning
      of plants,
      planting of annual flowers, removal of debris and trash from Common Areas,
      cleaning supplies, and suchother expenses necessary
      to maintain
      the Property; (f) the cost of service contracts with independent contractors
      to
      maintain on a regularbasis the plumbing systems
      outside the
      rentable areas of each tenant, and to provide for pest control and exterminating
      services for theCommon
      Areas; (g) the cost of maintaining the parking areas and driveways, including
      the re-striping of parking spaces, patching of deteriorated pavement,
      replacement of parking signs or directional signs; (h) the cost of Landlord's
      personnel when such personnel areengaged directly in
      the maintenance of
      the Common Areas of the Property, including the cost of employer taxes and
      a
      proration of employeebenefits; (i) the cost
      of snow and ice
      removal from parking areas, driveways, walkways and service areas; (j) the
      cost
      of telephone, telegraph, stationery, advertising, and mail or shipping costs
      related directly to the maintenance or operation of the Property; (k) the cost
      of all capitaland
      structural repair maintenance for the Property and systems related thereto;
      and
      (1) such other costs and expenses as are typicallyincurred in the maintenance
      and
      operation of a property of this type, inclusive of a management fee paid by
      Landlord to a property manager or property management company or organization
      for the management of the Property and any owner association dues or
      assessments.Within one
      hundred eighty (180) days following the end of each calendar year, Landlord
      shall cause a statement to be prepared of theactual cost of Common
      Areas and
      Property operating expenses for such calendar year and shall provide Tenant
      a
      copy of same. Tenant's proportionate share of Common Areas and Property
      operating expenses is presently estimated to be the sum of $n/a_______________ annually
      or $ n/a per
      month.




o
            If
                this box is checked, Tenant shall reimburse Landlord for its proportionate
                share of Common Areas and Property operating expenses by paying to
                Landlord, beginning on the Rent Commencement Date and on the first
                day of
                each calendar month during the term hereof, the amount set forth
                above as
                the presently estimated per month proportionate share of Common Areas
                and
                Property operating expenses for the Premises. Landlord shall pay
                or cause
                to be paid the Common Areas and Property operating expenses. Within
                one
                hundred eighty (180) days following the end of each calendar year,
                Landlord shall: (i) cause a statement to be prepared of the actual
                cost of
                Common Areas and Property operating expenses for such calendar year
                and
                shall notiy Tenant of any overpayment or underpayment of Tenant's
                proportionate share of these items during such prior calendar year;
                and,
                (ii) establish an estimate of the cost of Common Areas and Property
                operating expenses for the then current calendar year. To the extent
                Tenant has overpaid Tenant's proportionate share of these items for
                the
                preceding calendar year, such overage shall be credited to Tenant's
                proportionate share of these items for the current calendar year.
                To the
                extent Tenant has underpaid Tenant's proportionate share of these
                items
                for the preceding calendar year,
                Tenant






5







shall,
      on
      the first day of the calendar month following receipt of the statement from
      Landlord setting forth the amount of such underpayment, pay to Landlord the
      full
      amount of such underpayment for the preceding calendar year. In addition,
      beginning on the first day of the calendar month following the date upon which
      Landlord shall have delivered to Tenant the statement for the estimated Common
      Areas and Property operating expenses for the then current calendar year, Tenant
      shall pay to Landlord the product of one-twelfth (1/12) of Tenant's
      proportionate share of the estimated Common Areas and Property operating
      expenses for the then current calendar year multiplied by the number of calendar
      months in the calendar year which shall have begun as of said first day, minus
      the aggregate amountof the monthly payments for Tenant's proportionate share of expenses
      theretofore paid by Tenant during such calendar year. The remainder of Tenant's
      proportionate share of such expenses for the then current calendar year shall
      be
      paid by Tenant to Landlord on the first day of each succeeding month in equal
      consecutive monthly installments of one-twelfth (1/12) of the total amount
      of
      Tenant's proportionate share of Common Areas and Property operating expenses
      as
      shown on the estimate thereof provided by Landlord. Landlord shall have no
      obligation to segregate or otherwise account for the insurance premium
      reimbursements paid hereunder except as provided in this paragraph
      9.




For
      purposes of this paragraph 9,
      "Tenant's proportionate share" shall mean**(check****one):**





o n/a____________________ %of the expenses above designated; or




q  $n/a__________________ payable
      monthly, in satisfaction of all reimbursements under this paragraph 9;
      or




q None-
      Tenant shall have no responsibility to reimburse Landlord for taxes, insurance
      or Common Areas and Property operating expenses.




**INSURANCE;
      WAIVER; INDEMNITY**


10.(a)
      During the term of this Lease, Tenant shall maintain commercial general
      liability insurance coverage (occurrence coverage) with
      broad form contractual liability
      coverage and with coverage limits of not less than1,000,000.00 combined
      single limit, per occurrence, specifically including liquor liabilityinsurance covering consumption of alcoholic beverages by customers of
      Tenant should Tenant choose to sell alcoholic beverages. Such policy shall
      insure Tenant's performance of the indemnity provisions of this Lease, but
      the
      amount of such insurance shall not limit Tenant's liability nor relieve Tenant
      of any obligation hereunder. All policies of insurance provided for herein
      shall
      name as "additional insureds" Landlord, Landlord's Agent, all mortgagees of
      Landlord and such other individuals or entities as Landlord may from time to
      time designate upon written notice to Tenant. Tenant shall provide to Landlord,
      at least thirty (30) days prior to expiration, certificates of insurance to
      evidence any renewal or additional insurance procured by Tenant. Tenant shall
      provide evidence of all insurance required under this Lease to Landlord prior
      to
      the Lease Commencement Date.




(b)  Landlord
      (for itself and its insurer) waives any rights, including rights of subrogation,
      and Tenant (for itself and its insurer) waives any rights, including rights
      of
      subrogation, each may have against the other for compensation of any loss or
      damage occasioned to Landlord or Tenant arising from any risk generally covered
      by the "all risks" insurance required to be carried by Landlord and Tenant.
      The
      foregoing waivers of subrogation shall be operative only so long as available
      in
      the State of North Carolina. The foregoing waivers shall be effective whether
      or
      not the parties maintain the insurance required to be carried pursuant to this
      Lease.




(c)  Except
      as
      otherwise provided in paragraph 10(b), Tenant indemnifies Landlord for damages
      proximately caused by the negligence or wrongful conduct of Tenant and Tenant's
      employees, agents, invitees or contractors. Except as otherwise provided in
      paragraph 10(b), Landlord indemnifies Tenant for damages proximately caused
      by
      the negligence or wrongful conduct of Landlord and Landlord's employees, agents,
      invitees or contractors. The indemnity provisions in this paragraph 10 cover
      personal injury and property damage and shall bind the employees, agents,
      invitees or contractors of Landlord and Tenant (as the case may be). The
      indemnity obligations in this paragraph 10 shall survive the expiration or
      earlier termination of this Lease.




**REPAIRS
      BY LANDLORD**


11.
      Landlord agrees to keep in good repair the roof, foundation, structural
      supports, exterior walls (exclusive of all glass and exclusive of all exterior
      doors) and the Common Areas of the Property, except repairs rendered necessary
      by the negligence or intentional wrongful acts of Tenant, its employees, agents,
      invitees or contractors. Tenant shall promptly report in writing to Landlord
      any
      defective condition known to it which Landlord is required to repair and failure
      to report such conditions shall make Tenant responsible to Landlord for any
      liability incurred by Landlord by reason of such conditions.




**REPAIRS
      BY TENANT**


12.
      (a) Tenant accepts the Premises in
      their present condition and as suited for the Permitted Use and Tenant's
      intended purposes.Tenant,
      throughout the initial term of this Lease, and any extension or renewal thereof,
      at its expense, shall maintain in good order andrepair the Premises,
      except those
      repairs expressly required to be made by Landlord hereunder. Tenant shall use
      only licensed contractorsfor repairs where such
      license is
      required. Landlord shall have the right to approve the contractor as to any
      repairs in excess of$100.00




(b)
      Tenant
      agrees to return the Premises to Landlord at the expiration or prior termination
      of this Lease, in as good condition and repair as on the Lease Commencement
      Date, natural wear and tear, damage by storm, fire, lightning, earthquake or
      other casualty alone excepted.
      Tenant, Tenant's employees, agents, invitees or contractors shall take no action
      which may void any manufacturers or installers warranty with relation to the
      Premises or the Property. Tenant shall indemnify and hold Landlord harmless
      from
      any liability, claim, demand or cause of action arising on account of Tenant's
      breach of the provisions of this paragraph 12.






6


If
      this
      box is checked, there is heating, ventilation and air conditioning equipment
      exclusively serving the Premises. Tenant, at its expense, shall maintain in
      good
      order and repair, including but not limited to replacement of parts,
      compressors, air handling units and heating units; provided that, as to repair
      or replacement expenses for heating, ventilation and air conditioning equipment
      in excessof$n/a(per
      occurrence) or $
n/a(annually), Landlord shall reimburse Tenant for the amount
      in




excess
      of
      the stated amount, provided that Tenant has obtained Landlord's prior written
      approval of the contractor and the repair or replacement.




**ALTERATIONS**


13.  Tenant
      shall not make any alterations, additions, or improvements to the Premises
      without Landlord's prior written consent, which consent shall not be
      unreasonably withheld, conditioned or delayed. Tenant shall promptly remove
      any
      alterations, additions, or improvements constructed in violation of this
      paragraph 13 upon Landlord's written request. All approved alterations,
      additions, and improvements will be accomplished in a good and workmanlike
      manner, in conformity with all applicable laws and regulations, and by a
      contractor approved by Landlord, free of any liens or encumbrances. Landlord
      may
      require Tenant to remove any alterations, additions or improvements (whether
      or
      not made with Landlord's consent) at the termination of the Lease and to restore
      the Premises to its prior condition, all at Tenant's expense. All alterations,
      additions and improvements which Landlord has not required Tenant to remove
      shall become Landlord's property and shall be surrendered to Landlord upon
      the
      termination of this Lease, except that Tenant may remove any of Tenant's
      machinery, equipment or trade fixtures which can be removed without material
      damage to the Premises or the Property. Tenant shall repair, at Tenant's
      expense, any damage to the Premises or the Property caused by the removal of
      any
      such machinery, equipment or trade fixtures.




**DESTRUCTION
      OF OR DAMAGE TO PREMISES**


14.  (a)
      If
      the Premises are totally destroyed by storm, fire, lightning, earthquake or
      other casualty , Landlord shall have the right to terminate this Lease on
      written notice to Tenant within thirty (30) days after such destruction and
      this
      Lease shall terminate as of the date of such destruction and rental shall be
      accounted for as between Landlord and Tenant as of that date.




(b)  If
      the
      Premises are damaged but not wholly destroyed by any such casualties or if
      the
      Landlord does not elect to terminate the Lease under paragraph 14(a) above,
      Landlord shall commence (or shall cause to be commenced) reconstruction of
      the
      Premises within one hundred twenty (120) days after such occurrence and
      prosecute the same diligently to completion, not to exceed two hundred seventy
      (270) days from the date upon which Landlord receives applicable permits and
      insurance proceeds. In the event Landlord shall fail to substantially complete
      reconstruction of the Premises within said two hundred seventy (270) day period,
      Tenant's sole remedy shall be to terminate this Lease.




(c)  In
      the
      event of any casualty at the Premises during the last one (1) year of the Lease
      Term, Landlord and Tenant each shall have the option to terminate this Lease
      on
      written notice to the other of exercise thereof within sixty (60) days after
      such occurrence.




(d)  In
      the
      event of reconstruction of the Premises, Tenant shall continue the operation
      of
      its business in the Premises during any such period to the extent reasonably
      practicable from the standpoint of prudent business management, and the
      obligation of Tenant to pay annual rental and any other sums due under this
      Lease shall remain in full force and effect during the period of reconstruction.
      The annual rental and other sums due under this Lease shall be abated
      proportionately with the degree to which Tenant's use of the Premises is
      impaired, commencing from the date of destruction and continuing during the
      period of such reconstruction. Tenant shall not be entitled to any compensation
      or damages from Landlord for loss of use of the whole or any part of the
      Premises, Tenant's personal property, or any inconvenience or annoyance
      occasioned by such damage, reconstruction or replacement.




(e)  In
      the
      event of the termination of this Lease under any of the provisions of this
      paragraph 14, both Landlord and Tenant shall be released from any liability
      or
      obligation under this Lease arising after the date of termination, except as
      otherwise provided for in this Lease.




**GOVERNMENTAL
      ORDERS**


15.Tenant,
      at its own expense, agrees to comply with: (a) any law, statute, ordinance,
      regulation, rule, requirement, order, court decision or procedural requirement
      of any governmental or quasi-governmental authority having jurisdiction over
      the
      Premises; (b) the rules and regulations of any applicable governmental insurance
      authority or any similar body, relative to the Premises and Tenant's activities
      therein; (c) provisions of or rules enacted pursuant to any private use
      restrictions, as the same may be amended from time to time and (d) the Americans
      with Disabilities Act (42 U.S.C. S. § 12101, et seq.) and the regulations and
      accessibility guidelines enacted pursuant thereto, as the same may be amended
      from time to time. Landlord and Tenant agree, however, that if in order to
      comply with such requirements the cost to Tenant shall exceed a sum equal to
      one
      (1) year's rent, then Tenant may terminate this Lease by giving written notice
      of termination to Landlord in accordance with the terms of this Lease, which
      termination shall become effective sixty (60) days after receipt of such notice
      and which notice shall eliminate the necessity of compliance with such
      requirements, unless, within thirty (30) days of receiving such notice, Landlord
      agrees in writing to be responsible for such compliance, at its own expense,
      and
      commences compliance activity, in which case Tenant's notice given hereunder
      shall not terminate this Lease.






7




**EXTERIOR
      SIGNS**


20.  Tenant
      shall place no signs upon the outside walls, doors or roof of the Premises
      or
      anywhere on the Property, except with the express written consent of the
      Landlord in Landlord's sole discretion. Any consent given by Landlord shall
      expressly not be a representation of or warranty of any legal entitlement to
      signage at the Premises or on the Property. Any and all signs placed on the
      Premises or the Property by Tenant shall be maintained in compliance with
      governmental rules and regulations governing such signs and Tenant shall be
      responsible to Landlord for any damage caused by installation, use or
      maintenance of said signs, and all damage incident to removal
      thereof.




**LANDLORD'S
      ENTRY OF PREMISES**


21.  Landlord
      may advertise the Premises "For Rent" or "For Sale" 60days
      before the termination of this Lease. Landlord may enter the Premises upon
      prior
      notice at reasonable hours to exhibit same to prospective purchasers or tenants,
      to make repairs required of Landlord under the terms hereof, for reasonable
      business purposes and otherwise as may be agreed by Landlord and Tenant.
      Landlord may enter the Premises at any time without prior notice, in the event
      of an emergency or to make emergency repairs to the Premises. Upon request
      of
      Landlord, Tenant shall provide Landlord with a functioning key to the Premises
      and shall replace such key if the locks to the Premises are
      changed.




**QUIET
      ENJOYMENT**


22.  So
      long
      as Tenant observes and performs the covenants and agreements contained herein,
      it shall at all times during the Lease term peacefully and quietly have and
      enjoy possession of the Premises, subject to the terms hereof.




**HOLDING
      OVER**


23.  If
      Tenant
      remains in possession of the Premises after expiration of the term hereof,
      Tenant shall be a tenant at sufferance and there shall be no renewal of this
      Lease by operation of law. In such event, commencing on the date following
      the
      date of expiration of the term, the monthly rental payable under Paragraph
      3
      above shall for each month, or fraction thereof during which Tenant so remains
      in possession of the Premises, be **twice**the
      monthly rental otherwise payable under Paragraph 3 above.




**ENVIRONMENTAL
      LAWS**


24.
      (a)
      Tenant covenants that with respect to any Hazardous Materials (as defined below)
      it will comply with any and all federal, state or local laws, ordinances, rules,
      decrees, orders, regulations or court decisions relating to hazardous
      substances, hazardous materials, hazardous waste, toxic substances,
      environmental conditions on, under or about the Premises or the Property or
      soil
      and ground water conditions, including, but not limited to, the Comprehensive
      Environmental Response, Compensation and Liability Act of 1980, the Resource
      Conservation and Recovery Act, the Hazardous Materials Transportation Act,
      any
      other legal requirement concerning hazardous or toxic substances, and any
      amendments to the foregoing (collectively, all such matters being "Hazardous
      Materials Requirements"). Tenant shall remove all Hazardous Materials from
      the
      Premises, either after their use by Tenant or upon the expiration or earlier
      termination of this Lease, in compliance with all Hazardous Materials
      Requirements.




(b)  Tenant
      shall be responsible for obtaining all necessary permits in connection with
      its
      use, storage and disposal ofHazardous Materials, and shall develop and maintain,
      and where necessary file with the appropriate authorities, all reports,
      receipts, manifest, filings, lists and invoices covering those Hazardous
      Materials and Tenant shall provide Landlord with copies of all such items upon
      request. Tenant shall provide within five (5) days after receipt thereof, copies
      of all notices, orders, claims or other correspondence from any federal, state
      or local government or agency alleging any violation of any Hazardous Materials
      Requirements by Tenant, or related in any manner to Hazardous Materials. In
      addition, Tenant shall provide Landlord with copies of all responses to such
      correspondence at the time of the response.




(c)  Tenant
      hereby indemnifies and holds harmless Landlord, its successors and assigns
      from
      and against any and all losses, liabilities, damages, injuries, penalties,
      fines, costs, expenses and claims of any and every kind whatsoever (including
      attorney's fees and costs) paid, incurred or suffered by, or asserted against
      Landlord as a result of any claim, demand or judicial or administrative action
      by any person or entity (including governmental or private entities) for, with
      respect to, or as a direct or indirect result of, the presence on or under
      or
      the escape, seepage, leakage, spillage, discharge, emission or release from
      the
      Premises or the Property of any Hazardous Materials caused by Tenant or Tenant's
      employees, agents, invitees or contractors. This indemnity shall also apply
      to
      any release of Hazardous Materials caused by *a
      fire*or other casualty to the Premises if such Hazardous Materials
      were stored on the Premises or the Propertyby Tenant, its agents, employees, invitees or successors in
      interest.




(d)  For
      purposes of this Lease, "Hazardous Materials" means any chemical, compound,
      material, substance or other matter that: (i) is defined as a hazardous
      substance, hazardous material or waste, or tox c substance pursuant to any
      Hazardous Materials Requirements, (ii) is regulated, controlled or governed
      by
      any Hazardous Materials Requirements, (iii) is petroleum or a petroleum product,
      or (iv) is asbestos, formaldehyde, a radioactive material, drug, bacteria,
      virus, or other injurious or potentially injurious material (by itself or in
      combination with other materials).




(e)  The
      warranties and indemnities contained in this paragraph 24 shall survive the
      termination of this Lease.






**SUBORDINATION;
      ATTORNMENT; ESTOPPEL**








8







25.
      (a)
      This Lease and all of Tenant's rights hereunder are and shall be subject and
      subordinate to all currently existing and future mortgages affecting the
      Premises. Within ten (10) days after the receipt of a written request from
      Landlord or any Landlord mortgagee, Tenant shall confirm such subordination
      by
      executing and delivering Landlord and Landlord's mortgagee a recordable
      subordination agreement and such other documents as may be reasonably requested,
      in form and content satisfactory to Landlord and Landlord's mortgagee. Provided,
      however, as a condition to Tenant's obligation to execute and deliver any such
      subordination agreement, the applicable mortgagee must agree that mortgagee
      shall not unilaterally, materially alter this Lease and this Lease shall not
      be
      divested by foreclosure or other default proceedings thereunder so long as
      Tenant shall not be in default under the terms of this Lease beyond any
      applicable cure period set forth herein. Tenant acknowledges that any Landlord
      mortgagee has the right to subordinate at any time its interest in this Lease
      and the leasehold estate to that of Tenant, without Tenant's
      consent.




(b)  If
      Landlord sells, transfers, or conveys its interest in the Premises or this
      Lease, or if the same is foreclosed judicially or nonjudicially, or otherwise
      acquired, by a Landlord mortgagee, upon the request of Landlord or Landlord's
      successor, Tenant shall attorn to said successor, provided said successor
      accepts the Premises subject to this Lease. Tenant shall, upon the request
      of
      Landlord or Landlord's successor, execute an attornment agreement confirming
      the
      same, in form and substance acceptable to Landlord or Landlord's successor
      and
      Landlord shall thereupon be released and discharged from all its covenants
      and
      obligations under this Lease, except those obligations that have accrued prior
      to such sale, transfer or conveyance; and Tenant agrees to look solely to the
      successor in interest of Landlord for the performance of those covenants
      accruing after such sale, transfer or conveyance. Such agreement shall provide,
      among other things, that said successor shall not be bound by (a) any prepayment
      of more than one (1) month's rental (except the Security Deposit) or (b) any
      material amendment of this Lease made after the later of the Lease Commencement
      Date or the date that such successor's lien or interest first arose, unless
      said
      successor shall have consented to such amendment.




(c)  Within
      ten (10) days after request from Landlord, Tenant shall execute and deliver
      to
      Landlord an estoppel certificate (to be prepared by Landlord and delivered
      to
      Tenant) with appropriate facts then in existence concerning the status of this
      Lease and Tenant's occupancy, and with any exceptions thereto noted in writing
      by Tenant. Tenant's failure to execute and deliver the Estoppel Certificate
      within said ten (10) day period shall be deemed to make conclusive and binding
      upon Tenant in favor of Landlord and any potential mortgagee or transferee
      the
      statements contained in such estoppel certificate without
      exception.




**ABANDONMENT**


26.
      Tenant shall not abandon the Premises at any time during the Lease term. If
      Tenant shall abandon the Premises or be dispossessed by process of law, any
      personal property belonging to Tenant and left on the Premises, at the option
      of
      Landlord, shall be deemed abandoned, and available to Landlord to use or sell
      to
      offset any rent due or any expenses incurred by removing same and restoring
      the
      Premises.




**NOTICES**


27.  All
      notices required or permitted under this Lease shall be in writing and shall
      be
      personally delivered or sent by U.S. certified mail, return receipt requested,
      postage prepaid. Notices to Tenant shall be delivered or sent to the address
      shown at the beginning of this Lease, except that upon Tenant taking possession
      of the Premises, then the Premises shall be Tenant's address for such purposes.
      Notices to Landlord shall be delivered or sent to the address shown at the
      beginning of this Lease and notices to Agent, if any, shall be delivered or
      sent
      to the address set forth in Paragraph 3 hereof. All notices shall be effective
      upon delivery. Any party may change its notice address upon written notice
      to
      the other parties, given as provided herein.




**GENERAL
      TERMS**


28.  (a)
      "Landlord" as used in this Lease shall include the undersigned, its heirs,
      representatives, assigns and successors in title to the Premises. "Agent" as
      used in this Lease shall mean the party designated as same in Paragraph 3,
      its
      heirs, representatives, assigns and successors. "Tenant" shall include the
      undersigned and its heirs, representatives, assigns and successors, and if
      this
      Lease shall be validly assigned or sublet, shall include also Tenant's assignees
      or sublessees as to the Premises covered by such assignment or sublease.
      "Landlord", "Tenant", and "Agent" include male and female, singular and plural,
      corporation, partnership or individual, as may fit the particular
      parties.




(b)  No
      failure of Landlord to exercise any power given Landlord hereunder or to insist
      upon strict compliance by Tenant of its obligations hereunder and no custom
      or
      practice of the parties at variance with the terms hereof shall constitute
      a
      waiver of Landlord's right to demand exact compliance with the terms hereof.
      All
      rights, powers and privileges conferred hereunder upon parties hereto shall
      be
      cumulative and not restrictive of those given by law.




(c)  Time
      is
      of the essence in this Lease.




(d)  This
      Lease constitutes the sole and entire agreement among the parties hereto and
      no
      modification of this Lease shall be binding unless in writing and signed by
      all
      parties hereto.




(e)  Each
      signatory to this Lease represents and warrants that he or she has full
      authority to sign this Lease and such instruments as may be necessary to
      effectuate any transaction contemplated by this Lease on behalf of the party
      for
      whom he or she signs and that his or her signature binds such
      party.




(f)
      Upon
      request by either Landlord or Tenant, the parties hereto shall execute a short
      form lease (memorandum of lease) in recordable form, setting forth such
      provisions hereof (other than the amount of annual rental and other sums due)
      as
      either party may wish to incorporate. The cost of recording such memorandum
      of
      lease shall be borne by the party requesting execution of same.






9




**S** **PECIAL
      STIPULATIONS******




o****If this box is checked, additional terms of this Lease are set forth
      on
ExhibitC attached hereto and incorporated herein by reference.


**(Note:
      Under North Carolina law, real estate agents are not permitted to draft lease
      provisions.)**




THIS
      DOCUMENT IS A LEGAL DOCUMENT. EXECUTION OF THIS DOCUMENT HAS LEGAL CONSEQUENCES
      THAT COULD BE ENFORCEABLE IN A COURT OF LAW. THE NORTH CAROLINA ASSOCIATION
      OF
      REALTORS® MAKES NO REPRESENTATIONS CONCERNING THE LEGAL SUFFICIENCY, LEGAL
      EFFECT OR TAX CONSEQUENCES OF THIS DOCUMENT OR THE TRANSACTION TO WHICH IT
      RELATES AND RECOMMENDS THAT YOU CONSULT YOUR ATTORNEY.




**IN
      WITNESS WHEREOF, the parties hereto have hereunto caused this Lease to be duly
      executed.**






**LANDLORD:**




**Individual**







LANDLORD
            
            **(SEAL)****Fran
                Baltmiskis**




Date: ______________________




Business
      Entity


n/a ________________________


(Name
      of Firm)




By:  __________________________________________________________   (SEAL)


Title:n/a
      ______________________________________________________


Date.n/a
      ______________________________________________________




**BUSINESS**




Anchor
        FundingServices, LLC


/s/
                Brad
                BernsteinPresident
                for Anchor
                FundingServices, LLC   (SEAL)By: 
                Anchor
                FundingServices, LLC


Date: ___________ 
      _____________




**Business
      Entity**


n/a
      _________________________


(Name
      of
      Firm)


/s/
            (SEAL)Title:
                n/aDate:
                n/a






10