Exhibit
10.28
 OFFICE LEASE
  NBS PINNACLE 1925/2001, L.L.C.,
a Delaware limited liability company,
 Landlord
  MARIX SERVICING LLC,
a Delaware limited liability company,
 Tenant
 June 13, 2007
 CORRIDORS PHOENIX
 Phoenix, Arizona




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Page1. PERMITTED USE
    
    
    12. TERM
    
    
    13. POSSESSION
    
    
    14. DEFINITIONS AS USED IN THIS LEASE
    
    
    15. BASE RENT
    
    
    36. ADDITIONAL RENT
    
    
    47. RENT ADJUSTMENT PAYMENT
    
    
    58. HOLDING OVER
    
    
    69. BUILDING SERVICES
    
    
    610. CONDITION OF THE PREMISES
    
    
    811. USES PROHIBITED
    
    
    812. COMPLIANCE WITH LAWS
    
    
    813. ALTERATIONS AND REPAIRS
    
    
    914. ABANDONMENT
    
    
    1115. ASSIGNMENT AND SUBLETTING
    
    
    1116. SIGNS
    
    
    1217. DAMAGE TO PROPERTY  INJURY TO PERSONS
    
    
    1218. DAMAGE OR DESTRUCTION
    
    
    1419. ENTRY BY LANDLORD
    
    
    1420. INSOLVENCY OR BANKRUPTCY
    
    
    1421. DEFAULT
    
    
    1622. RULES AND REGULATIONS
    
    
    1923. NON REAL ESTATE TAXES
    
    
    1924. WAIVER OF LIEN
    
    
    1925. EMINENT DOMAIN
    
    
    1926. SUBORDINATION
    
    
    1927. WAIVER
    
    
    2028. INABILITY TO PERFORM
    
    
    2129. SUBROGATION
    
    
    2130. SALE BY LANDLORD
    
    
    2131. RIGHTS OF LANDLORD TO PERFORM
    
    
    2132. ATTORNEYS FEES
    
    
    2233. ESTOPPEL CERTIFICATE
    
    
    2234. PREPARATION
    
    
    2235. NOTICE
    
    
    2336. LETTER OF CREDIT
    
    
    23
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Page37. RIGHTS RESERVED
    
    
    2638. RESERVED
    
    
    2739. REAL ESTATE BROKER
    
    
    2740. MISCELLANEOUS PROVISIONS
    
    
    2741. TENANT-CORPORATION OR PARTNERSHIP
    
    
    2942. HAZARDOUS SUBSTANCES
    
    
    2943. SUCCESSORS AND ASSIGNS
    
    
    3044. ADDITIONAL PARKING
    
    
    3045. OPTION TO EXTEND
    
    
    31Appendix A   Depiction of Premises and Parking AreasAppendix B   Facility Alteration ProcedureAppendix C   Rules and Regulations Attached to and Made Part of this LeaseAppendix D   Form of Guaranty
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CORRIDORS PHOENIX LEASE
 LEASE SCHEDULE
 1.
    
    Date of Lease:
    
    June 13, 20072.
    
    Landlord:
    
    NBS Pinnacle 1925/2001, L.L.C., a Delaware limited liability company3.
    
    Tenant:
    
    Marix Servicing LLC, a Delaware limited liability company4.
    
    Guarantor:
    
    Not Applicable.5.
    
    Building Address:
    
    1925 West Pinnacle Peak Road, Phoenix, Arizona 850276.
    
    Property:
    
    The Building and the real estate on which it is located.7.
    
    Premises:
    
    The entire Building depicted on Appendix A attached hereto.8.
    
    Permitted Use:
    
    General office use.9.
    
    Term:
    
    Sixty-four (64) months, plus the remainder of any partial calendar month in
which the Term commences, beginning on the date this Lease is fully
executed and possession of the Premises is delivered to Tenant (the
Commencement Date) and expiring on the last day of the month which is
sixty-four (64) full months after the Commencement Date (the Expiration
Date), subject to Option to Extend described below.10.
    
    Area of Premises in
rentable square feet:
    
    The parties agree that the Premises consists of approximately 41,070
rentable square feet (r.s.f.), which is obtained by multiplying the usable
square footage of the Premises (approximately 40,660 usable square feet) by
1.01008 (utilizing a load factor of approximately 1%).11.
    
    Jurisdiction in which
the Property is located:
    
    City of Phoenix, County of Maricopa, State of Arizona.12.
    
    Annual Base Rent:
    
    Months 1  6*: $232,866.90 ($5.67 per r.s.f.), plus applicable rent taxMonths 7  18: $723,653.40 ($17.62 per r.s.f.), plus applicable rent taxMonths 19  30: $746,241.90 ($18.17 per r.s.f.), plus applicable rent taxMonths 31  42: $766,776.90 ($18.67 per r.s.f.), plus applicable rent taxMonths 43  54: $787,311.90 ($19.17 per r.s.f.), plus applicable rent taxMonths 55  64: $807,846.90 ($19.67 per r.s.f.), plus applicable rent tax13.
    
    Monthly Base Rent:
    
    Months 1  6*: $19,405.58, plus applicable rent taxMonths 7  18: $60,304.45, plus applicable rent taxMonths 19  30: $62,186.83, plus applicable rent taxMonths 31  42: $63,898.08, plus applicable rent taxMonths 43  54: $65,609.33, plus applicable rent taxMonths 55  64: $67,320.58, plus applicable rent tax* also includes the remainder of any partial calendar month in which the
Term commences14.
    
    Expense Stop:
    
    $232,866.90 ($5.67 per r.s.f.)15.
    
    Addresses for Purpose
of Notice:
 Landlord:
    
    c/o The Alter Group, Ltd., 5500 West Howard Street, Skokie, IL 60077, Attention:Mr. Ronald Siegel, Fax No.: (847) 676-4318With a copy to:
    
    Lawrence M. Freedman, Ash, Anos, Freedman & Logan, L.L.C., 77 West
Washington Street, Suite 1211, Chicago, IL 60602, Fax No.: (312) 346-1390; and
Samuel F. Gould, Alter Asset Management, L.L.C., 1980 Springer Drive, Lombard,
IL 60148, Fax No.: (630) 620-3606Tenant:
    
    1925 West Pinnacle Peak Road, Phoenix, Arizona 85027, Attention: Rick Smith
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With a copy to:
    
    c/o Marathon Asset Management, 461 Fifth Avenue, New York, New York 10017,
Attention: Andrew Rabinowitz; and c/o Marathon Asset Management, 461 Fifth
Avenue, New York, New York 10017, Attention: David Friedman; and c/o
Marathon Asset Management, 461 Fifth Avenue, New York, New York 10017,
Attention: Michael J. OHanlon; and Kutak Rock LLP, 8601 N. Scottsdale Road,
Suite 300, Scottsdale, Arizona 85253, Attention: Mitch Padover16.
    
    Rent Payment Address:
    
    (a) If by First Class Mail: Alter Group Lockbox, Suite #1219, 75 Remittance Drive,
Chicago, Illinois 60675-1219(b) If by Overnight Courier: Alter Group Lockbox, Suite #1219, Receipt and
Dispatch, 8thFloor, 350 North Orleans Street, Chicago, Illinois 6065417.
    
    Letter of Credit:
    
    $600,000.00 (Letter of Credit Amount). See Paragraph 20.D. of this Lease
Schedule below and Article 36.18.
    
    Brokers:
    
    The Alter Group, Ltd. and CBRE.19.
    
    Appendices:
    
    Appendix A (Depiction of Premises and Parking Areas); Appendix B (Facility
Alteration Procedure); Appendix C (Rules and Regulations Attached to and Made
Part of this Lease); and Appendix D (Form of Guaranty).20.
    
    Special Provisions:
 A.
    
    Parking:
    
    Subject to the parking provisions
set out at Paragraph 28 of the Rules and
Regulations Attached to and Made Part of this Lease as Appendix C, during the
Term of this Lease, Tenant shall have the right to use two hundred twenty-six (226)
total parking spaces as follows: twenty-three (23) covered, reserved spaces, at
$35.00 per month per space, plus applicable taxes; and two hundred three (203)
covered, unreserved spaces, free of charge. Tenants total allocation of parking
spaces is based upon a ratio of 5.5 parking spaces per 1,000 rentable square feet
leased. The location of such parking spaces is depicted on Appendix A attached
hereto. See Article 44.B.
    
    Tenant Improvement Allowance:
    
    $82,140.00, based on a calculation of $2.00 per rentable square
foot of the Premises. See Article 34.C.
    
    Option to Extend:
    
    One (1) option to extend the Term for five (5) years, subject to the terms of
Article 45 below.D.
    
    Net Worth Covenant:
    
    Commencing on August 1, 2007 and continuing through the remainder of the
Term of this Lease, including any and all renewals or other extensions thereof,
Tenant shall maintain a Tangible Net Worth of not less than Five Million Dollars
($5,000,000) (the Required Level). For purposes of this provision, Tangible
Net Worth shall mean, for Tenant, as of a particular date, all amounts which would
be included under capital on a balance sheet of Tenant at such date, determined in
accordance with generally accepted accounting principles (GAAP), less (i)
amounts owing to Tenant from affiliates, or from officers and/or employees, (ii)
intangible assets and (iii) deferred tax charge. Within twenty (20) days after
Landlords request (made no more frequently than once each calendar year unless
Tenant is in default, Landlord reasonably believes that there has been an adverse
change in Tenants financial position since the last financial statement provided to
Landlord, or the same has been requested by any investor or mortgagee of Landlord
or by any prospective lender or any prospective purchaser of the Building), Tenant
shall provide to Landlord Tenants most recent annual audited
financial statements, prepared in accordance with GAAP, which establishes and confirms the then
Tangible Net Worth of Tenant. In the event Tenant fails to provide any such
financial statement when required and such default is not cured within thirty (30)
days after written notice thereof from Landlord to Tenant, the same shall be deemed
to be an immediate material event of default pursuant to Section 21.A. below, and
Landlord shall have the right to immediately exercise any and all available remedies
under this Lease and/or at law, including, without limitation, the right to draw on the
Letter of Credit to the extent permitted in Article 36 below. In addition, Tenant
shall notify Landlord, in writing, within five (5) business days after such occurrence,
if the Tangible Net Worth of Tenant at any time decreases below the Required Level
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(the Required Decreased Net Worth Notice). Tenant shall have thirty (30) days
within which to cure such breach after the earlier of (a) the date Tenant gives
Landlord the Required Decreased Net Worth Notice or, (b) if Tenant fails to
provide such Required Decreased Net Worth Notice and Landlord receives
independent confirmation that the Tangible Net Worth of Tenant has decreased
below the Required Level, the date Landlord gives Tenant written notice thereof. Such breach may be cured by either (x) increasing Tenants Tangible Net Worth to
the Required Level, (y) causing the Tenants obligations and liabilities under this
Lease to be guaranteed by a creditworthy affiliate of Tenant reasonably acceptable
to Landlord and having a net worth at least sufficient in Landlords reasonable
judgment to satisfy Tenants obligations under this Lease for the remainder of the
Term on the form attached hereto as Appendix D, or (z) prior to June 1, 2011,
causing the Letter of Credit to be increased to an amount equal to the sum of
$600,000 plus the difference between the Required Level and Tenants then
Tangible Net Worth (the Revised Letter of Credit Amount) (each of items (x),
(y) and (z) being hereinafter referred to as a Permitted Cure). The increase to
the amount of the Letter of Credit may be accomplished by Tenant obtaining
additional letter(s) of credit in the applicable amount provided that such additional
letter(s) of credit shall comply with all of the provisions of, and shall be deemed
included within and a part of the Letter of Credit as defined in, Article 36. If
Tenant fails to effectuate a Permitted Cure within such thirty (30) day period, the
same shall be deemed to be an immediate material event of default pursuant to
Section 21.A, below, and Landlord shall have the right to immediately exercise
any and all available remedies under this Lease and/or at law, including, without
limitation, the right to draw on the Letter of Credit to the extent permitted in
Article 36 below. If Tenant effectuates a Permitted Cure by increasing the Letter
of Credit to the Revised Letter of Credit Amount and then subsequently achieves a
Tangible Net Worth of at least the Required Level, the amount of the Letter of
Credit required under this Lease shall remain at the Revised Letter of Credit
Amount, until such time, if any, as Tenant achieves a Tangible Net Worth of at
least Ten Million Dollars ($10,000,000) and provides to Landlord a current audited
financial statement, prepared in accordance with GAAP, which establishes and
confirms Tenants achievement of such Tangible Net Worth, at which time the
amount of the Letter of Credit required under this Lease shall be reduced to the
original Letter of Credit Amount. Tenant agrees that if an event of default under
this Lease has occurred and is continuing or will result therefrom, Tenant shall not
make any dividend or distribution to any shareholder or equity owner of Tenant,
either directly or indirectly, whether in cash or property or in obligations of Tenant.
Landlord shall keep Tenants financial statements and financial information
confidential and shall not disclose the same to anyone other than the person
performing the review, the principals and employees of Landlord and the
Management Agent who receive the results of the review, Landlords and the
Management Agents accountants and attorneys, any lender or prospective lender of
Landlord, any purchaser or prospective purchaser of the Building, as may be
required in connection with any litigation, and/or as otherwise required by applicable
law. If and to the extent Landlord provides Tenants financial statements and
financial information to any of the permitted parties as provided in the preceding
sentence, Landlord shall direct such parties to keep such financial
 statements and
financial information confidential (but Landlord shall have no liability for any
disclosure of such financial statements or financial information by such permitted
parties).
  3




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L E A S E
  W I T N E S S E T H:
 Demise
 Appendix A Appendix A
  1.
 PERMITTED USE
  2.
 TERM
  3.
 POSSESSION
 Article 34
  4.
 DEFINITIONS AS USED IN THIS LEASE
 Taxes
 1




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Operating Costs Section 4.A. Declaration
          2




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Section 45.A.)
    5.
 BASE RENT
  3




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the Management Agent
 6.
 ADDITIONAL RENT
  Additional Rent Section 4.B. Controllable Costs Section 4.B.(ii)(p) Section 6.B
  4




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7
 RENT ADJUSTMENT PAYMENT
 Taxes and Operating
Cost Statement th
 adjustment date
  Independent Review
 5




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8.
 HOLDING OVER
  9.
 BUILDING SERVICES
  Holidays th
    Electric Service Provider
 6




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Alternate Service Provider
  Wi-Fi Network
 Tenants Communications Equipment
  Risers
  Section 9.H.
 7




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10.
 CONDITION OF THE PREMISES
  ADA Title III
 11.
 USES PROHIBITED
  12.
 COMPLIANCE WITH LAWS
 Laws
 8




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13.
 ALTERATIONS AND REPAIRS
 Section 13.A. Section 7 Section
13.A.,
 Alterations Section 13.B. Article 34 Contractors (Subcontractors), Appendix B
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10




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14.
 ABANDONMENT
  15 .
 ASSIGNMENT AND SUBLETTING
 transfer affiliate Control
  11




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16.
 SIGNS
 Article 34
 17.
 DAMAGE TO PROPERTY  INJURY TO PERSONS
  12




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Section 10.A.
    13




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18.  DAMAGE OR DESTRUCTION
 Section
17.D.
 19.  ENTRY BY LANDLORD
  20.  INSOLVENCY OR BANKRUPTCY
 Debtor Trustee Sections 20.B. 20.D, (Debtor-in-Possession) Tenants Petition
 14




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Section 20.B.(3)(c)
 th
     Section 20.B. adequate assurance
   Section 20.B.
 15




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Sections 20.A 20.B Section 20.D.
 Section 20.D. adequate assurance of future
performance
       21.  DEFAULT
    16




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17




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Section 5.B.
 Rent
Abatement
  18




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22.  RULES AND REGULATIONS
 Appendix C Appendix C Appendix C Appendix C
 23.  NON REAL ESTATE TAXES
  24.  WAIVER OF LIEN
  25.  EMINENT DOMAIN
  26.  SUBORDINATION
  19




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Section 26.E.
 27.  WAIVER
  20




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28.  INABILITY TO PERFORM
  29.  SUBROGATION
  30.  SALE BY LANDLORD
  31.  RIGHTS OF LANDLORD TO PERFORM
  21




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32.  ATTORNEYS FEES
  33.  ESTOPPEL CERTIFICATE
 Article 34
 34.  PREPARATION
 Initial Alterations
 22




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Article 13 Appendix B
 35.  NOTICE
  36.  LETTER OF CREDIT
 Letter of Credit Bank Bankruptcy
 23




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Code LC Expiration Date
  Article 36 Article 21 Article 36 Article 36
 24




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Section 36.C.  Section 36.C
 Section 36.E. Section 36.E. Uncured Material Net
Worth Default Section 36.E. PLEASE BE ADVISED THAT YOUR FAILURE TO CURE THE DEFAULT SPECIFIED HEREIN WITHIN
THIRTY (30) DAYS AFTER THE GIVING OF THIS NOTICE SHALL ENTITLE US TO DRAW THE FULL AMOUNT OF YOUR
LETTER OF CREDIT AND RETAIN THE PROCEEDS THEREOF AS LIQUIDATED DAMAGES.
 Security Deposit Laws
 25




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Article 36
 37.  RIGHTS RESERVED
         Section 19
      26




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38.  RESERVED
 39.  REAL ESTATE BROKER
  40.  MISCELLANEOUS PROVISIONS
             27




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TENANT HAS RELIED ON
TENANTS INSPECTIONS AND DUE DILIGENCE IN ENTERING THIS LEASE, AND NOT ON ANY
REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, CONCERNING THE HABITABILITY,
CONDITION OR SUITABILITY OF THE PREMISES OR PROPERTY FOR ANY PARTICULAR PURPOSE OR ANY OTHER
MATTER NOT EXPRESSLY CONTAINED HEREIN.
   Executive Order
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www.ustreas.gov/offices/enforcement/ofac
  41.  TENANT-CORPORATION OR PARTNERSHIP
   42.  HAZARDOUS SUBSTANCES
 Hazardous Substances PCBs
 29




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Article 42
 43.  SUCCESSORS AND ASSIGNS
  44.  ADDITIONAL PARKING
 Appendix A th th Parking Amendment Article 28
 30




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45.  OPTION TO EXTEND
 Option to Extend Term Extended Term
 Extended Term Rent Fair Market Rental Value of the Premises
  Notice to
Extend Term
 Broker
 Extended Term Amendment
   31




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Landlord:NBS PINNACLE 1925/2001, L.L.C., a Delaware limited liability companyBy:
    
    18-Chai Corp., an Illinois corporation, its managerBy:
    
    /s/ [ILLEGIBLE]Its:
    
    [ILLEGIBLE]Dated: June 13, 2007Tenant:MARIX SERVICING LLC, a Delaware limited liability companyBy:
    
    /s/ Rick E. SmithName:
    
    Rick E. SmithIts:
    
    President & CEODated: June 13, 2007
 32




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APPENDIX A
 DEPICTION OF PREMISES AND PARKING AREAS




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APPENDIX B
 FACILITY ALTERATION PROCEDURE
 before any
alterations are performed.
 Article 13 prior
 Article 13 AAM
  Article 13
  Article 13
 Article 13 Article 13




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APPENDIX C
 RULES AND REGULATIONS ATTACHED TO  AND MADE PART OF THIS LEASE




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C-2




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C-3




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C-4




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APPENDIX D
 FORM OF GUARANTY
         D-1




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[GUARANTOR NAME]By:Name:Its:
 D-2