annexarepayment.htm


    ANNEX A TO THE SECOND
AMENDMENT TO

    THE SECURITIES PURCHASE
AGREEMENT

    


     

    Maximum
Debt to Value Ratios and Maximum Balances

     

    


     

    
      	
               

              Month End

            	
              Maximum Outstanding Balance

            	
              Maximum Debt

              to Value Ratio

            
	
              3/31/2007

            	
              28,000,000

            	
              80.00%

            
	
              4/30/2007

            	
              28,000,000

            	
              80.00%

            
	
              5/31/2007

            	
              28,000,000

            	
              80.00%

            
	
              6/30/2007

            	
              28,000,000

            	
              80.00%

            
	
              7/31/2007

            	
              28,000,000

            	
              80.00%

            
	
              8/31/2007

            	
              28,000,000

            	
              80.00%

            
	
              9/30/2007

            	
              28,000,000

            	
              80.00%

            
	
              10/31/2007

            	
              28,000,000

            	
              80.00%

            
	
              11/30/2007

            	
              28,000,000

            	
              80.00%

            
	
              12/31/2007

            	
              28,000,000

            	
              80.00%

            
	
              1/31/2008

            	
              28,000,000

            	
              80.00%

            
	
              2/29/2008

            	
              28,000,000

            	
              80.00%

            
	
              3/31/2008

            	
              28,000,000

            	
              80.00%

            
	
              4/30/2008

            	
              28,000,000

            	
              80.00%

            
	
              5/31/2008

            	
              28,000,000

            	
              80.00%

            
	
              6/30/2008

            	
              28,000,000

            	
              80.00%

            
	
                    7/31/2008
      (*)

            	
              14,000,000

            	
              80.00%

            
	
              8/31/2008

            	
              14,000,000

            	
              80.00%

            
	
              9/30/2008

            	
              14,000,000

            	
              80.00%

            
	
              10/31/2008

            	
              14,000,000

            	
              80.00%

            
	
              11/30/2008

            	
              14,000,000

            	
              80.00%

            
	
              12/31/2008

            	
              14,000,000

            	
              80.00%

            
	
              1/31/2009

            	
              14,000,000

            	
              80.00%

            
	
              2/28/2009

            	
              14,000,000

            	
              80.00%

            
	
              3/31/2009

            	
              14,000,000

            	
              80.00%

            
	
              4/30/2009

            	
              13,777,500

            	
              79.59%

            
	
              5/31/2009

            	
              13,216,500

            	
              79.65%

            
	
              6/30/2009

            	
              12,740,000

            	
              79.22%

            
	
              7/31/2009

            	
              12,211,000

            	
              78.95%

            
	
              8/31/2009

            	
              11,698,000

            	
              78.60%

            
	
              9/30/2009

            	
              11,167,000

            	
              78.29%

            
	
              10/31/2009

            	
              10,492,500

            	
              78.13%

            
	
              11/30/2009

            	
              10,003,000

            	
              77.58%

            
	
              12/31/2009

            	
              9,462,000

            	
              77.31%

            
	
              1/31/2010

            	
              8,987,000

            	
              76.90%

            
	
              2/28/2010

            	
              8,502,500

            	
              76.58%

            
	
              3/31/2010

            	
              8,008,500

            	
              76.26%

            
	
              4/30/2010

            	
              7,472,000

            	
              75.98%

            
	
              5/31/2010

            	
              6,943,500

            	
              75.64%

            
	
              6/30/2010

            	
              6,414,500

            	
              75.31%

            
	
              7/31/2010

            	
              5,893,000

            	
              74.97%

            
	
              8/31/2010

            	
              5,371,000

            	
              74.64%

            
	
              9/30/2010

            	
              4,856,500

            	
              74.30%

            
	
              10/31/2010

            	
              3,824,500

            	
              74.62%

            
	
              11/30/2010

            	
              2,409,000

            	
              74.80%

            
	
              12/31/2010

            	
              2,343,500

            	
              72.75%

            
	
              1/31/2011

            	
              2,343,500

            	
              72.26%

            
	
              2/28/2011

            	
              2,061,500

            	
              72.37%

            
	
              3/31/2011

            	
              1,543,500

            	
              72.35%

            
	
              4/30/2011

            	
              1,543,500

            	
              69.88%

            
	
              5/31/2011

            	
              1,543,500

            	
              69.77%

            
	
              6/30/2011

            	
              1,518,500

            	
              70.70%

            
	
              7/31/2011

            	
              948,000

            	
              71.11%

            
	
              8/31/2011

            	
              948,000

            	
              69.89%

            
	
              9/30/2011

            	
              895,500

            	
              67.74%

            
	
              10/31/2011

            	
              627,000

            	
              59.71%

            
	
              11/30/2011

            	
              627,000

            	
              66.77%

            
	
              12/31/2011

            	
              0

            	
              66.97%

            


    

    


     (*)
Maximum Balance Outstanding reduced from $28,000,000 to $14,000,000 by July 2008
Second Amendment to Securities Purchase Agreement

     

    
      Annex
A