Exhibit 10.20


    

      Exhibit
        10.20

      


      CHANGE
        IN TERMS AGREEMENT

      


      
        	
                Principal

              	
                Loan
                  Date

              	
                Maturity

              	
                Loan
                  No 

              	
                Call
                  / Coll

              	
                Account

              	
                Officer
                  

              	
                Initials

              
	
                $250,000.00

              	
                03-30-2005

              	
                03-30-2007

              	
                1050142641

              	 	 	 	 
	
                References
                  in the above area are for Lender’s use only and do not limit the
                  applicability of the document to any particular loan or item.

                Any
                  item above containing “***” has been omitted due to text length
                  limitations.

              


      

      


                                   Borrower: AT&S
        Holdings, Inc.          Lender: BANK
        OF THE WEST

                              American
        Trailer
& Storage, Inc.        Kansas
        City BBC #21383

                              3505
        Manchester
        Trafficway         
740
        N.W.
        Blue Park Way

                              Kansas
        City, MO
        64129         Lee’s
        Summit, MO 64086

                                  (888)
        457-2692

      


                              Principal
        Amount: $250,000.00                Date
        of
        Agreement:  March
        28,
        2006

      


      DESCRIPTION
        OF EXISTING INDEBTEDNESS. 

      Promissory
        Note date March 30, 2005 in the original amount of $250,000.00.

      


      DESCRIPTION
        OF COLLATERAL. 

      Commercial
        Security Agreement dated October 1, 2003; Commercial Security Agreement dated
        November 12, 2003; Commercial Security Agreement dated September 18, 2003;
        Commercial Security Agreement dated January 30, 2004; Commercial Security
        Agreement dated February 9, 2004; Commercial Security Agreement dated March
        23,
        2004; Commercial Security Agreement dated April 14, 2004; Commercial Security
        Agreement dated April 28, 2004; Commercial Security Agreement dated May 12,
        2004; Commercial Security Agreement dated June 15, 2004; Commercial Security
        Agreement dated November 12, 2004 and any security agreements or other
        collateral documents between Borrower and Lender, previously existing or
        hereafter executed.

      


      DESCRIPTION
        OF CHANGE IN TERMS.

      1.  Extension
        of Maturity Date. Consistent
        with our existing periodic payment arrangement, the Maturity Date of the
        Promissory Note shall be extended to March 30, 2007.

      2. The
        heading captioned “VARIABLE
        INTEREST RATE” of
        the
        Promissory Note is deleted in its entirety and the paragraph below is
        substituted in lieu there of:

      


      VARIABLE
        INTEREST RATE. The
        interest rate on this Note is subject to change from time to time based on
        changes in an independent index which is the highest base rate on corporate
        loans at large U.S. money center commercial banks that the Wall Street Journal
        publishes as the Prime Rate (“the Index”). The Index is not necessarily the
        lowest rate charged by Lender on its loans. If the Index becomes unavailable
        during the term of this loan, Lender may designate a substitute index after
        notice to Borrower. Lender will tell Borrower the current Index rate upon
        Borrower’s request. The interest rate change will not occur more often than each
        day. The interest rate may change daily following the date of this Change
        in
        Terms Agreement. Borrower understands that Lender may make loans based on
        other
        rates as well. The
        Index currently is 7.500% per annum. The interest rate to be applied to the
        unpaid balance of this Note will be at a rate equal to the Index, resulting
        in
        an initial rate of 7.500% per annum. NOTICE:
        Under no circumstances will the interest rate on this Note be more than the
        maximum rate allowed by applicable law.

      


      CONTINUING
        VALIDITY.
        Except
        as expressly changed by this Agreement, the terms of the original obligation
        or
        obligations, including all agreements evidenced or securing the obligation(s),
        remain unchanged and in full force and effect. Consent by Lender to this
        Agreement does not waive Lender’s right to strict performance of the
        obligation(s) as changed, nor obligate Lender to make any future change in
        terms. Nothing in this Agreement will constitute a satisfaction of the
        obligation(s). It is intention of Lender to retain as liable parties all
        makers
        and endorsers of the original obligation(s), including accommodation parties,
        unless a party is expressly released by Lender in writing. Any maker or
        endorser, including accommodation makers, will not be released by virtue
        of this
        Agreement. If any person who signed the original obligation does not sign
        this
        Agreement below, then all person signing below acknowledge that this Agreement
        is given conditionally, based on the representation to Lender that the
        non-signing party consents to the changes and provisions of this Agreement
        or
        otherwise will not be released by it. This waiver applies not only to any
        initial extension, modification or release, but also to all such subsequent
        actions.

      


      PRIOR
        TO SIGNING THIS AGREEMENT, EACH BORROWER READ AND UNDERSTOOD ALL THE PROVISIONS
        OF THIS AGREEMENT. EACH BORROWER AGREES TO THE TERMS OF THE
        AGREEMENT.

      


      CHANGE
        IN TERMS SIGNERS:

      


      


      AT&S
        Holdings, Inc.

      


      By:___//s//________________________________ By:______//s//_________________________________

       Richard
        G. Honan, II, Chief Financial Officer of  
        Richard G. Honan, Chairman of AT&S Holdings, Inc.

      AT&S
        Holdings, Inc.

      


      


      AMERICAN
        TRAILER & STORAGE, INC.

      


      By:______//s//_________________________________ By:__________//s//__________________________________

      Richard
        G. Honan, II, Chief Financial Officer of 
        Richard G. Honan, Chairman of American Trailer & 

      American
        Trailer & Storage, Inc.   
        Storage, Inc. 

      


      


      


      BANK
        OF THE WEST

      


      


      X_//s//________________________________________________

      Jefferson
        A. Keyes, Loan Officer of BANK OF THE WEST