EXHIBIT
10.19(a)


EXECUTION
COPY





FIRST
AMENDMENT TO




LOAN
AND SECURITY AGREEMENT







THIS
FIRST AMENDMENT TO LOAN AND SECURITY AGREEMENT (the “Amendment”) is made
as of April 18, 2008 by and between JRAS, LLC, a Georgia limited liability
company (“Borrower”), PERIMETER
INVESTMENT SOLUTIONS, LLC (“Perimeter”), JJG, LLC
(“JJG”),
SOUTHERN CRESCENT FINANCE, LLC (“Southern”), JRAS OF
SOUTH CAROLINA, LLC (“JRAS South
Carolina”), JRAS OF TENNESSEE, LLC (“JRAS Tennessee”),
JRAS OF FLORIDA, LLC (“JRAS Florida”), JRAS
OF ALABAMA, LLC (“JRAS
Alabama”) and JAMES SCHRULL (“Schrull”, and
together with Perimeter, JJG, Southern, JRAS South Carolina, JRAS Tennessee,
JRAS Florida and JRAS Alabama, the “Guarantors”) and
CAPITALSOURCE FINANCE LLC (“Lender”).




W I T N E
S S E T H:





WHEREAS,
Borrower, Guarantors and Lender have entered into that certain Amended and
Restated Loan and Security Agreement dated as of November 19, 2007 (as
heretofore amended, the “Original Loan
Agreement”), for the purposes and consideration therein expressed,
pursuant to which Lender agreed to make loans to Borrower as therein
provided;




WHEREAS,
Borrower, Guarantors and Lender desire to amend the Original Loan Agreement as
provided herein;




WHEREAS,
Joe Crump and Greg Irvin have each executed guaranties in favor of Lender both
of which are dated as of January 4, 2007 (the “Released
Guaranties”);




WHEREAS,
Joe Crump and Greg Irvin no longer hold any equity interests in the Borrower or
Guarantors and have requested and the Lender has agreed to release them from
their obligations under the Released Guaranties;




NOW,
THEREFORE, in consideration of the premises and the mutual covenants and
agreements contained herein and in the Original Loan Agreement, in consideration
of the loans which may hereafter be made by Lender to Borrower, and for other
good and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the parties hereto do hereby agree as follows:




ARTICLE
I


Definitions and
References





Section
1.1  Terms Defined in the
Original Loan Agreement


.  Unless
the context otherwise requires or unless otherwise expressly defined herein, the
terms defined in the Original Loan Agreement shall have the same meanings
whenever used in this Amendment.





Section
1.2  Other Defined
Terms


.  Unless
the context otherwise requires, the following terms when used in this Amendment
shall have the meanings assigned to them in this Section 1.2.





“Amendment” means this
First Amendment to Loan and Security Agreement.




“Amendment Documents”
means, collectively, this Amendment and any other document, instrument or
agreement required to be delivered pursuant to Article III hereof.




“Loan Agreement” means
the Original Loan Agreement, as amended hereby.







ARTICLE
II


Amendments to Original Loan
Agreement




Section
2.1  Definitions.  The
definition of “Applicable Margin” in Section 1 of the Original Loan Agreement is
hereby amended in its entirety to read as follows:





“APPLICABLE
MARGIN.  The term “Applicable Margin” shall mean (a) with respect to
the Prime Rate Loan, three percent (3.0%), and (b) with respect to the LIBOR
Loan, an amount needed for the initial interest rate to accrue on the LIBOR Loan
to be equal to the interest rate accruing on the Prime Rate Loan on the
effective date of the LIBOR Rate Conversion, as determined from time to time by
Lender in its sole discretion; provided, however, the
“Applicable Margin” for the Prime Rate Loan after a Prime Rate Conversion shall
be an amount needed for the initial interest rate to accrue on the Prime Rate
Loan after the Prime Rate Conversion to be equal to the interest rate accruing
on the LIBOR Loan on the effective date of the Prime Rate Conversion, as
determined from time to time by Lender in its sole discretion.”





Section
2.2  Definitions.  The
definition of “Collateral Recovery Rate” in Section 1 of the Original Loan
Agreement is hereby amended in its entirety to read as follows:





“COLLATERAL
RECOVERY RATE.  The term “Collateral Recovery Rate” shall mean, as of
the date of determination,  (a) the sum of that portion of all
payments received during the preceding 12 months, in respect of principal and
interest on all Consumer Loans, whether active (non-charged off) or previously
charged off (including the value of a Repossessed Vehicle which has previously
been charged off), divided by (b) the sum of the total Reductions to Principal
on all Consumer Loans during the preceding 12-month period.”





Section
2.3  Definitions.  Section
1 of the Original Loan Agreement is hereby amended to add the definition of
“Repossessed Vehicle” in alphabetical order to read as follows:





“REPOSSESSED
VEHICLE.  The term “Repossessed Vehicle” shall mean any automobile
which has been repossessed by the Borrower or any Corporate Guarantor, the value
of which shall be based upon the auction values published by Manheim
Auctions.”





Section
2.4  Financial
Reports.  Section 6.5 of the Original Loan Agreement is hereby
amended by adding the following as subsection (m) and by deleting the “and” at
the end of subsection (k) and replacing the period at the end of subsection (l)
with “; and”:




“(m)           As
soon as available, and in any event within fifteen (15) calendar days after the
end of each calendar month, a report with respect to all Receivables containing
the following information: (i) monthly static pool information, (ii) monthly log
of rescheduled accounts and (iii) a monthly log of deferrals, each as of the
immediately preceding calendar month and prepared by the Borrower and certified
as to being true, correct and complete in all material respects by the chief
financial officer or other Authorized Representative of the
Borrower.”





Section
2.5  Schedule
A.  Schedule
A  to the Original Loan Agreement is hereby restated in its
entirety to read as set forth in Schedule A attached
to this Agreement.








ARTICLE
III


Conditions of
Effectiveness




Section
3.1  Effective
Date.  This Amendment shall become effective as of the date
first above written when and only when Lender shall have received, at Lender’s
office,





(a)  a duly
executed counterpart of this Amendment,





(b)  a duly
executed certificate of an authorized officer of each Related Party attesting to
(i) the adoption of resolutions authorizing the execution and delivery of this
Amendment and the other Amendment Documents to which each is a party, and
authorizing specific officers of each Related Party to execute the same, and
(ii) the authenticity of original specimen signatures of such
officers,





(c)  an
opinion of the legal counsel of the Borrower and Guarantors covering such
matters as Lender shall determine in its reasonable sole
discretion,





(d)  each
other document to be executed and delivered by Borrower and/or each Guarantor
pursuant hereto or thereto, and





(e)  an
Additional Commitment Fee owing as a result of the increase in Commitments in an
amount equal to $100,000.00.





ARTICLE
IV


Representations and
Warranties





Section
4.1  Representations and
Warranties.  In order to induce Lender to enter into this
Amendment, Borrower and each Guarantor represents and warrants to Lender
that:





(a)  The
representations and warranties contained in the Original Loan Agreement are true
and correct at and as of the time of the effectiveness hereof, except to the
extent that such representations and warranties expressly relate to a specific
date, in which case they shall have been accurate in all material respects as of
such specified date;





(b)  Each
Related Party is duly authorized to execute and deliver this Amendment and the
other Amendment Documents and is and will continue to be duly authorized to
perform its obligations under the Loan Documents.  Each Related Party
has duly taken all corporate action necessary to authorize the execution and
delivery of this Amendment and the other Amendment Documents and to authorize
the performance of the obligations of such Related Party hereunder and
thereunder;





(c)  The
execution and delivery by each Related Party of this Amendment and the other
Amendment Documents, the performance by such Related Party of its obligations
hereunder and thereunder and the consummation of the transactions contemplated
hereby do not and will not conflict with any provision of law, statute, rule or
regulation or of the organizational and governing documents of such Related
Party, or of any material agreement, judgment, license, order or permit
applicable to or binding upon such Related Party, or result in the creation of
any lien, charge or encumbrance upon any assets or properties of such Related
Party.  Except for those which have been duly obtained, no consent,
approval, authorization or order of any court or governmental authority or third
party is required in connection with the execution and delivery by any Related
Party of this Amendment and the other Amendment Documents or to consummate the
transactions contemplated hereby and thereby; and





(d)  When duly
executed and delivered, each of this Amendment and the other Amendment Documents
will be a legal and binding instrument and agreement of Borrower and each
Guarantor which is a party thereto, enforceable in accordance with its terms,
except as limited by bankruptcy, insolvency and similar laws applying to
creditors’ rights generally and by principles of equity applying to creditors’
rights generally.











ARTICLE
V


Miscellaneous





Section
5.1  Ratification of
Agreement.  The Original Loan Agreement as hereby amended is
hereby ratified and confirmed in all respects.  Any reference to the
Loan Agreement in any Loan Document shall be deemed to refer to this Amendment
also.  The execution, delivery and effectiveness of this Amendment and
the other Amendment Documents shall not, except as expressly provided herein,
operate as a waiver of any right, power or remedy of Lender under the Loan
Agreement or any other Loan Document nor constitute a waiver of any provision of
the Loan Agreement or any other Loan Document.





Section
5.2  Survival of
Agreements.  All representations, warranties, covenants and
agreements of Borrower and each Guarantor herein shall survive the execution and
delivery of this Amendment and the performance hereof, and shall further survive
until all of the Indebtedness is paid in full.  All statements and
agreements contained in any certificate or instrument delivered by Borrower or
any Guarantor hereunder or under the Loan Agreement to Lender shall be deemed to
constitute representations and warranties by, or agreements and covenants of,
such party under this Amendment and under the Loan Agreement.





Section
5.3  Guarantor
Ratification.  Each Guarantor hereby (i) consents to the
provisions of this Amendment and the transactions contemplated herein, (ii)
ratifies and confirms the respective Guaranty dated as of November 19, 2007,
made by the respective Guarantor for the benefit of Lender pursuant to the Loan
Agreement, (iii) ratifies and confirms all other Loan Documents, (iv) agrees
that all of Guarantor’s respective obligations and covenants thereunder shall
remain unimpaired by the execution and delivery of this Amendment and the other
documents and instruments executed in connection herewith, (v) all references in
the Guaranty to the  Loan Agreement shall be deemed to refer to the
Loan Agreement as amended by this Amendment, (vi) agrees that such Guaranty and
such other Loan Documents shall remain in full force and effect, and (vii)
consents to the Lender’s release of Joe Crump and Greg Irvin from the Released
Guaranties and agrees that such release has no affect on the Guaranties of the
Guarantors.





Section
5.4  Loan
Documents.  This Amendment and the other Amendment Documents
are each a Loan Document, and all provisions in the Loan Agreement pertaining to
Loan Documents apply hereto and thereto.





Section
5.5  Governing
Law.  This Amendment shall be construed in accordance with the
substantive laws of the State of Maryland (without regard to conflict of law
principles) and the obligations, rights and remedies of the parties hereto shall
be determined in accordance with such laws.





Section
5.6  Counterparts;
Fax.  This Amendment may be separately executed in counterparts
and by the different parties hereto in separate counterparts, each of which when
so executed shall be deemed to constitute one and the same
Amendment.  This Amendment may be duly executed by facsimile or other
electronic transmission.





THIS
AMENDMENT AND THE OTHER LOAN DOCUMENTS REPRESENT THE FINAL AGREEMENT BETWEEN THE
PARTIES AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR
SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES.




THERE ARE
NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES.







[The
remainder of this page is intentionally left blank.]


FIRST
AMENDMENT TO LOAN AGREEMENT - Page
 DAL
76,655,306v3


IN
WITNESS WHEREOF, this Amendment is executed as of the date first above
written.





BORROWER:
  
  JRAS,
      LLCBy:
              /s/James SchrullName:
              James
      SchrullTitle
              Managing
      Director
   By:
              /s/Dennis H. JamesName:
              Dennis H.
      JamesTitle
              President
   GUARANTOR:
  By:
              /s/James SchrullName:
              James
      Schrull
 
 Perimeter
      Investment Solutions, LLCBy:
                /s/Ajay K. JindiaName:
                Ajay K.
      JindiaTitle
                Secretary
   JJG,
    LLCBy:
              /s/James SchrullName:
              James
      SchrullTitle
              President
 
 
 By:
              /s/Dennis H. JamesName:
              Dennis H.
      JamesTitle
              Manager
  FIRST
AMENDMENT TO LOAN AGREEMENT - Signature Page
 DAL
76,655,306v3
  JRAS of South
      Carolina, LLCBy:
                /s/James SchrullName:
                James
      SchrullTitle
                President
 
 
 By:
                /s/Dennis H. JamesName:
                Dennis H.
      JamesTitle
                Manager
  JRAS of Tennessee,
      LLCBy:
              /s/James SchrullName:
              James
      SchrullTitle
              President 
 
 By:
                /s/Dennis H. JamesName:
                Dennis H.
      JamesTitle
                Manager
  JRAS of Florida,
      LLCBy:
              /s/James SchrullName:
              James
      SchrullTitle
              President 
 
 By:
                /s/Dennis H. JamesName:
                Dennis H.
      JamesTitle
                Manager
 FIRST
AMENDMENT TO LOAN AGREEMENT - Signature Page
 DAL
76,655,306v3
   JRAS of Alabama,
      LLCBy:
              /s/James SchrullName:
              James
      SchrullTitle
              President 
 
 By:
                /s/Dennis H. JamesName:
                Dennis H.
      JamesTitle
                Manager
   Southern Crescent
      Finance, LLCBy:
              /s/James SchrullName:
              James
      SchrullTitle
              President 
 
 By:
                /s/Dennis H. JamesName:
                Dennis H.
      JamesTitle
                Manager
  FIRST
AMENDMENT TO LOAN AGREEMENT - Signature Page
 DAL
76,655,306v3
  
 CapitalSource
      Finance, LLC, as agentBy:
              /s/Sue j. ChoiName:
              Sue J.
      ChoiTitle
              Senior
      Counsel


FIRST
AMENDMENT TO LOAN AGREEMENT - Signature Page
 DAL
76,655,306v3


SCHEDULE
A TO




LOAN AND
SECURITY AGREEMENT




Reference
is made to that certain Amended and Restated Loan and Security Agreement (as
amended, supplemented or otherwise modified, the “Loan Agreement”),
dated November 19, 2007, by and between CapitalSource Finance LLC, as Lender,
JRAS, LLC, as Borrower, and James Schrull, Perimeter Investment Solutions, LLC,
JJG, LLC, Southern Crescent Finance, LLC, JRAS of South Carolina, LLC, JRAS of
Tennessee, LLC, JRAS of Florida, LLC, and JRAS of Alabama, LLC, each as a
guarantor.  All references to Section numbers herein refer to Sections
in the Loan Agreement. Terms used and not otherwise defined herein shall have
the meaning given to such terms in the Loan Agreement.





1.A.
            Additional
      Eligibility Requirements
(SECTION 1)




1.
            The
      original term of the Consumer Loan Documents underlying such Receivable
      does not exceed forty two (42) months, unless otherwise approved in
      writing by Lender.




2.
            The
      maximum original principal balance of such Receivable must not exceed
      twelve thousand five hundred dollars
($12,500).




3.
            There
      are at least thirty (30) days remaining until the maturity date of the
      Consumer Loan Documents underlying such
  Receivable.




4.
            The
      transaction giving rise to the Consumer Loan was consummated in an
      Approved State.




5.
            Such
      Receivable is not sixty-one (61) days or more contractually past the due
      date set forth in the underlying Consumer Loan
  Documents.




6.
            The
      minimum interest rate on the Consumer Loan Documents underlying such
      Receivable is at least twenty percent (20%) per annum payable
      monthly.




7.
            The
      underlying automobile securing such Receivable shall not have been more
      than eight (8) model years old at the time of sale by a Related
      Party.




8.
            Such
      Receivable has been reported to the Lender in compliance with the
      following Aging Procedures:




(a)
            No
      payment missed or due
            =
            Current(b)
            1
      to 30 days past due
            =
            “30
      day Account”(c)
            31
      to 60 days past due
            =
            “60
      day Account”(d)
            61
      to 90 days past due
            =
            “90
      day Account”(e)
            91
      or more days past due
            =
            “90
      + day Account”


9.
            The
      mileage on the underlying automobile securing such Receivable shall not be
      more than one hundred twenty thousand (120,000) miles at the time of sale
      by a Related Party.




10.
            Payment
      on such Receivable shall not have been (nor shall it be) extended by
      Borrower or any Corporate Guarantor more than two (2) times in any
      year.




11.
            With
      respect to any Receivable originated subsequent to April 18, 2008, (i) a
      down payment in cash was made on the date of sale of the automobile
      securing such Receivable in an amount not less than five percent (5%) of
      the total sales price of such automobile, and (ii) any down payments in
      excess of 5% which are deferred, must be paid in full prior to the due
      date of the first scheduled payment on such
  Receivable.




12.
            With
      respect to any Receivable originated subsequent to April 18, 2008, the
      first scheduled payment on such Receivable shall be paid in full no later
      than forty-five (45) days from the date such Receivable was
      originated.









1.B.
            Guarantors
      (SECTION 1).




Jim Schrull
 Perimeter
 JRAS of South Carolina,
LLC
 JRAS of Tennessee, LLC
 JRAS of Florida, LLC
 JRAS of Alabama, LLC
 JJG, LLC
 Southern Crescent Finance,
LLC





1.D.
            Subordinated
      Creditors (SECTION 1).




CompuCredit
Corporation


Valued
Services Acquisition Company, LLC





2.1.
            Limits
      on Advances (SECTION 2.1).




Borrower
may request advances hereunder no more than two (2) times each calendar
week.







2.1.A.
            Maximum
      Amount of Revolving Credit Line
  (SECTION 2.1).




Twenty
Million Dollars ($20,000,000); provided that Lender may elect, in its sole
discretion, to increase the Maximum Amount of Revolving Credit Line in
increments of $5,000,000 so long as Borrower has paid any Additional Commitment
Fee associated therewith.







2.1.B.
            Availability
      on Eligible Receivables
(SECTION 2.1).




The
“Availability on Eligible Receivables” shall be an amount equal to 50.00% of the
outstanding principal balance of all Eligible Receivables.







2.2.
            Stated
      Interest Rate (SECTION 2.2).




The term
“Stated Interest Rate” shall mean the greater of (i) the sum of the Applicable
Margin for the subject Loan plus the Prime Rate, and (ii) 9.50%.









2.3.
            Maturity
      Date (SECTION 2.3(c)).




The term
of this Agreement shall expire on January 4, 2009; provided that the Maturity
Date may be extended for successive one year terms at Lender’s sole
discretion.







2.6.
            Liquidated
      Damages (SECTION 2.6).




The
amount of “Liquidated Damages” shall be as follows:




if
Borrower pays the balance of the Indebtedness in full, and Borrower terminates
financing under this Agreement and requests Lender to terminate Lender’s
security interest in the Collateral after August 4, 2008 and prior to January 4,
2009, the amount of “Liquidated Damages” shall be an amount equal to two percent
(2.0%) of the Maximum Amount of Revolving Credit Line.







2.11.
            Unused
      Line Fee (SECTION 2.11).




The
“Unused Line Fee” shall accrue from the date hereof until the Maturity Date at a
rate equal to 0.50% per annum (calculated on the basis of a year of 360 days for
the actual number of days elapsed) of the Unused Portion (hereinafter
defined).  The Unused Line Fee shall be due and payable monthly in
arrears beginning on the first Business Day of the calendar month immediately
following the date hereof and on the first Business Day of each month
thereafter.







4.1.
            Commitment
      Fee (SECTION 4.1(h)).




A “Commitment Fee” in
the amount of fifty thousand dollars ($50,000) shall be due and payable by
Borrower to Lender and earned by Lender pursuant to and upon execution of the
Agreement.    Additionally, upon the increase, if any, of
the Maximum Amount of Revolving Credit Line, an additional commitment fee shall
be due and payable by Borrower to Lender and earned by Lender on the date of
such increase in an amount equal to one percent (1.00%) multiplied by the amount
of such increase (each an “Additional Commitment
Fee”).







5.1.A.
            Borrower’s
      Tradenames (whether one or more)
  (SECTION 5.1.(b)).




Just
Right Auto Finance




Just
Right Auto Sales




Horton
Automotive









5.1.B.
            Business
      Locations of Borrower (SECTIONS 3.7, 5.1.(n)and
    6.2(h)).




1998 Iris
Drive SW


Conyers,
GA  30094





208 South
Broad St.


Monroe,
GA  30655





5465
Peachtree Industrial Blvd.


Chamblee,
GA 30341





2630
Memorial Dr.


Waycross,
GA  31503




5.1.C.
            Material
      Litigation (SECTION 5.1(w))




None.




5.1.D.
            INTELLECTUAL
      PROPERTY (SECTION 5.1(x))




None.




5.1.E.
            Borrower
      Information (SECTION 5.1.(y)).




Exact
      Name of Borrower
            State
      of Organization
            Federal
      Tax I.D. No.
            Chief
      Executive Office
            Prior
      Names
            Charter
      No.JRAS,
      LLC
            Georgia
            61-1529623
            1998
      Iris Drive SW
              Conyers,
      GA 30094
            N/A
            07008279JJG,
      LLC d/b/a Just Right Auto Sales
            Georgia
            20-3761853
            1998
      Iris Drive SW
              Conyers,
      GA 30094
            N/A
            0559900Southern
      Crescent Finance
            Georgia
            20-8391723
            1998
      Iris Drive SW
              Conyers,
      GA 30094
            N/A
            07008285JRAS
      of South Carolina, LLC
            Georgia
            39-2055272
            1998
      Iris Drive SW
              Conyers,
      GA 30094
            N/A
            07037109JRAS
      of Tennessee, LLC
            Georgia
            39-2055275
            1998
      Iris Drive SW
              Conyers,
      GA 30094
            N/A
            07037106JRAS
      of Florida, LLC
            Georgia
            39-2055274
            1998
      Iris Drive SW
              Conyers,
      GA 30094
            N/A
            07032780JRAS
      of Alabama, LLC
            Georgia
            39-2055271
            1998
      Iris Drive SW
              Conyers,
      GA 30094
            N/A
            07037107





6.1(h).  Approved
      States  (Section 6.1(h)).




Georgia
 Florida
 Alabama
 Tennessee
 South Carolina
 Ohio
 Texas





6.1(l).  Borrower’s
      Portfolio Requirements
(Section 6.1(l)).




Borrower
and each other Related Party shall, at all times prior to the Maturity Date,
maintain its portfolio of Receivables in full compliance with the following
requirements (all to be calculated, as of any date of determination, with
respect to all Receivables of such date):




1.
            The
      average outstanding principal balance of all Receivables shall not exceed
      Nine Thousand Five Hundred Dollars
($9,500);




2.
            The
      weighted average original term to maturity of all Receivables shall not
      exceed thirty six (36) months.




3.
            The
      weighed average interest rate on the Consumer Loan Documents underlying
      all of the Receivables is at least 22.00% per
  annum.




4.
            The
      aggregate principal balance of all Receivables current to not more than
      thirty (30) day delinquent shall not be less than eighty percent (80%) of
      the aggregate principal balance of all
  Receivables.




5.
            The
      weighted average down payment of all Receivables is not less than five
      percent (5%) of the total sales price, which shall include all taxes,
      commissions and fees associated
therewith.







6.2.A.
            Leverage
      Ratio Limit (SECTION 6.2.(j)).




The
“Leverage Ratio
Limit” shall be 3 to 1.00.







6.2.B.
            Minimum
      Tangible Net Worth
(SECTION 6.2.(k)).




The
“Minimum Tangible Net
Worth” shall be $6,000,000.







6.2.D.
            Debt
      Service Coverage Ratio Limit
  (SECTION 6.2(m)).




The
“Debt Service Coverage
Ratio Limit” shall not be less than 1.25 to 1.00.










6.2.E.
            Minimum
      Collateral Recovery Rate
(SECTION 6.2.(n)).




The
“Minimum Collateral
Recovery Rate” shall be sixty five percent (65.00%).







6.2.F.
            Minimum
      Collection Percentage
(SECTION 6.2(v)).




The
“Minimum Collection
Percentage” shall be three and three-quarters percent (3.75%) during the
period beginning on April 18, 2008 and ending on December 31, 2008 and four
percent (4.0%) at all times thereafter.







9.1.
            Notices
      (SECTION 9.1).




Lender:
            CapitalSource
      Finance LLC


4445
      Willard Avenue, Twelfth Floor


Chevy
      Chase, Maryland  20815


Attention:  SFG—Portfolio
      Manager


Telephone:  (301)
      841-2700


Telecopy
      No.:  (301) 841-2370




With
      a courtesy copy to:


Greenberg
      Traurig, LLP


2200
      Ross Avenue, Suite 5200


Dallas,
      Texas 75201


Attention:  Heather
      Moulder


Telephone:  (214)
      665-3614


Telecopy
      No.:  (214) 665-5914




Borrower:
            JRAS,
      LLC
              1998 Iris Drive SW
              Conyers, GA 30094


Attention:  Jim
      Schrull


Telephone:  (770)
      761-7215


Telecopy
      No.: (770) 761-1539





With
      a Copy to:


600
Westpark Drive


Peachtree
      City, GA 30269


Attn:
      Robert P. Manning





Guarantors:
            1998
      Iris Drive SW


Conyers,
GA  30094


Attention:  Jim
      Schrull


Telephone:  (770)
      761-7215


Telecopy
      No.: (770) 761-1539





With
      a Copy to:


600
Westpark Drive


Peachtree
      City, GA 30269


Attn:
      Robert P. Manning