|   | 1. | In      lieu of all scheduled payments due under the original Agreements through      the date of this Amendment, Maker agrees to allow Debtor to make one      payment of $15,350.00 upon execution of this Amendment, which shall be      applied to the outstanding principal balance.  Maker will allow      Debtor to continue to make monthly payments thereafter of $7,675.00,      commencing May 31, 2009, and such payments shall be applied to the      outstanding principal balance, until repaid in full, or until Maker      notifies Debtor otherwise upon thirty (30) days advance written      notice.  Once Maker notifies Debtor that such reduced payments      will no longer be accepted by Maker, the next scheduled monthly payment      amount then due from Debtor will be recalculated in an amount      sufficient to repay the entire outstanding principal balance in      equal monthly installments over the months then remaining until      February 28, 2011. |
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|   | 2. | All      payments under this Amendment may be made within five (5) business days of      the due date without penalty ordefault. |
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|   | 3. | Debtor      hereby certifies that: |
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|   | a. | all      of the representations and warranties contained in the Agreements are true      and correct as of the date thereof; |
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|   | c. | no      event of default has occurred and iscontinuing; |
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|   | e. | the      Agreements are in full force and effect as of the date    hereof. |
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|   | 4. | Except      as set forth above, all of the remaining terms, provisions and conditions      of the Agreements shall remain in full force and  effect. |
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