| Space Above This Line For Recording      Data |   |
|-----------------------------------------------|--------|

|   | MORTGAGOR: | YTB      INTERNATIONAL INC, a DelawareCorporation |
|--------|------------|---------------------------------------------------|

|   | 1901      East Edwardsville Road |
|--------|----------------------------------|

|   | Wood      River, Illinois 62095 |
|--------|---------------------------------|

|   | LENDER: | FH      PARTNERS LLC, a Texas limited liabilitycompany |
|--------|---------|--------------------------------------------------------|

|   | P.O.      Box 8216 (mail only) |
|--------|--------------------------------|

|   | 6400      Imperial Drive (delivery only) |
|--------|------------------------------------------|

|   | Waco,      McLennan County, Texas76714-8216 |
|--------|---------------------------------------------|

| 2. | CONVEYANCE. For good and      valuable consideration, the receipt and sufficiency of which is      acknowledged, and to secure the Secured Debt (defined below) and      Mortgagor's performance under this Mortgage, Mortgagor grants, bargains,      sells, conveys, mortgages and warrants to Lender the following described      property: |
|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  | A. | A      promissory note dated July 26, 2006 in the original principal amount of      $2,500,000.00 executed by YTB International Inc., as maker, and payable to      the order of Meridian Bank, as renewed and extended from time to time,      which note was transferred and assigned by the Federal Deposit Insurance      Corporation (the “FDIC”) in its capacity as Receiver of Meridian Bank by      an Assignment of Loan and Liens from the FDIC in its capacity as Receiver      for Meridian Bank, as assignor, to FH Partners LLC, as assignee, recorded      as document number 2009R15102 in the Recorder’s Office, Madison County,      Illinois on March 26, 2009, which indebtedness has been modified, renewed      and extended by Mortgagor and Lender pursuant to the terms of a Loan      Modification, Renewal, and Extension Agreement of even date renewing and      extending the current balance of the debt in the amount of One Million      Nine Hundred Eighteen Thousand Three Hundred Thirty Eight And 74/100      ($1,918,338.74), and all extensions, renewals, modifications or      substitutions of thatindebtedness. |
|--|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | B. | All      future advances from Lender to Mortgagor or other future obligations of      Mortgagor to Lender under any promissory note, contract, guaranty, or      other evidence of debt existing now or executed after this Mortgage      whether or not this Mortgage is specifically referenced. If more than one      person signs this Mortgage, each Mortgagor agrees that this Mortgage will      secure all future advances and future obligations that are given to or      incurred by any one or more Mortgagor, or any one or more Mortgagor and      others. All future advances and other future obligations are secured by      this Mortgage even though all or part may not yet be advanced. All future      advances and other future obligations are secured as if made on the date      of this Mortgage. Nothing in this Mortgage shall constitute a commitment      to make additional or future loans or advances in any amount. Any such      commitment must be agreed to in a separate  writing. |
|--------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | C. | All      obligations Mortgagor owes to Lender, which now exist or may later arise,      to the extent not prohibited bylaw. |
|--------|----|-----------------------------------------------------------------------------------------------------------------------------|

|   | D. | All      additional sums advanced and expenses incurred by Lender for insuring,      preserving or otherwise protecting the Property and its value and any      other sums advanced and expenses incurred by Lender under the terms of      this Mortgage. |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 4. | PAYMENTS. Mortgagor      agrees that all payments under the Secured Debt will be paid when due and      in accordance with the terms of the Secured Debt and this      Mortgage. |
|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 5. | CLAIMS AGAINST TITLE.      Mortgagor will pay all taxes, assessments, liens, encumbrances, lease      payments, ground rents, utilities, and other charges relating to the      Property when due. Lender may require Mortgagor to provide to Lender      copies of all notices that such amounts are due and the receipts      evidencing Mortgagor's payment. Mortgagor will defend title to the      Property against any claims that would impair the lien of this Mortgage.      Mortgagor agrees to assign to Lender, as requested by Lender, any rights,      claims or defenses Mortgagor may have against parties who supply labor or      materials to maintain or improve theProperty. |
|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 6. | DUE ON SALE OR      ENCUMBRANCE. Lender may, at its option, declare the entire balance      of the Secured Debt to be immediately due and payable upon the creation      of, or contract for the creation of, any lien, encumbrance, transfer or      sale of the Property. This covenant shall run with the Property and shall      remain in effect until the Secured Debt is paid in full and this Mortgage      is released. |
|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 7. | TRANSFER OF AN INTEREST IN THE      MORTGAGOR. If Mortgagor is an entity other than a natural person      (such as a corporation or other organization), Lender may demand immediate      payment if: |
|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|     | A. | A      beneficial interest in Mortgagor is sold or  transferred. |
|--------------------|----|------------------------------------------------------------------|

|   | B. | There      is a change in either the identity or number of members of a partnership      or similar entity. |
|--------|----|-------------------------------------------------------------------------------------------------------------|

|   | C. | There      is a change in ownership of more than 25 percent of the voting stock of a      corporation or similarentity. |
|--------|----|-------------------------------------------------------------------------------------------------------------------------|

| 8. | ENTITY WARRANTIES AND      REPRESENTATIONS. If Mortgagor is an entity other than a natural      person (such as a corporation or other organization), Mortgagor makes to      Lender the following warranties and representations which shall continue      as long as the Secured Debt remainsoutstanding: |
|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | A. | Mortgagor      is duly organized and validly existing in Mortgagor's state of      incorporation or organization. Mortgagor is in good standing in all states      in which Mortgagor transacts business. Mortgagor has the power and      authority to own the Property and to carry on its business as now being      conducted and, as applicable, is qualified to do so in each state in which      Mortgagor operates. |
|--------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | B. | The      execution, delivery and performance of this Mortgage by Mortgagor and the      obligations evidenced by the Secured Debt are within the power of      Mortgagor, have been duly authorized, have received all necessary      governmental approval, and will not violate any provision of law, or order      of court or governmental agency. |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | C. | Other      than previously disclosed in writing to Lender, Mortgagor has not changed      its name within the last ten years and has not used any other trade or      fictitious name. Without Lender's prior written consent, Mortgagor does      not and will not use any other name and will preserve its existing name,      trade names and franchises until the Secured Debt is      satisfied. |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 9. | PROPERTY CONDITION, ALTERATIONS      AND INSPECTION. Mortgagor will keep the Property in good condition      and make all repairs that are reasonably necessary. Mortgagor shall not      commit or allow any waste, impairment, or deterioration of the Property.      Mortgagor will keep the Property free of noxious weeds and grasses.      Mortgagor agrees that the nature of the occupancy and use will not      substantially change without Lender's prior written consent. Mortgagor      will not permit any change in any license, restrictive covenant or      easement without Lender's prior written consent. Mortgagor will notify      Lender of all demands, proceedings, claims, and actions against Mortgagor,      and of any loss or damage to theProperty. |
|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 10. | AUTHORITY TO PERFORM. If      Mortgagor fails to perform any duty or any of the covenants contained in      this Mortgage, Lender may, without notice, perform or cause them to be      performed. Mortgagor appoints Lender as attorney in fact to sign      Mortgagor's name or pay any amount necessary for performance. Lender's      right to perform for Mortgagor shall not create an obligation to perform,      and Lender's failure to perform will not preclude Lender from exercising      any of Lender's other rights under the law or this Mortgage. If any      construction on the Property is discontinued or not carried on in a      reasonable manner, Lender may take all steps necessary to protect Lender's      security interest in the Property, including completion of the      construction. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 11. | ASSIGNMENT OF LEASES AND      RENTS. Mortgagor assigns, grants, bargains, conveys, mortgages and      warrants to Lender as additional security all the right, title and      interest in the following: |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | A. | Existing      or future leases, subleases, licenses, guaranties and any other written or      verbal agreements for the use and occupancy of the Property, including but      not limited to, any extensions, renewals, modifications or replacements      (“Leases”). |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | B. | Rents,      issues and profits, including but not limited to, security deposits,      minimum rents, percentage rents, additional rents, common area maintenance      charges, parking charges, real estate taxes, other applicable taxes,      insurance premium contributions, liquidated damages following default,      cancellation premiums, "loss of rents" insurance, guest receipts,      revenues, royalties, proceeds, bonuses, accounts, contract rights, general      intangibles, and all rights and claims which Mortgagor may have that in      any way pertain to or are on account of the use or occupancy of the whole      or any part of the Property(“Rents”). |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | C. | In      the event any item listed as Leases or Rents is determined to be personal      property, this Assignment will also be regarded as a security      agreement. |
|--------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  |   | Mortgagor      will promptly provide Lender with copies of the Leases and will certify      these Leases are true and correct copies. The existing Leases will be      provided on execution of the Assignment, and all future Leases and any      other information with respect to these Leases will be provided      immediately after they are executed. Mortgagor may collect, receive, enjoy      and use the Rents so long as Mortgagor is not in default. Mortgagor will      not collect in advance any Rents due in future lease periods, unless      Mortgagor first obtains Lender's written consent. Upon default, Mortgagor      will receive any Rents in trust for Lender and Mortgagor will not      commingle the Rents with any other funds. When Lender so directs,      Mortgagor will endorse and deliver any payments of Rents from the Property      to Lender. Amounts collected will be applied at Lender's discretion to the      Secured Debts, the costs of managing, protecting and preserving the      Property, and other necessary expenses. Mortgagor agrees that this      Mortgage is immediately effective between Mortgagor and Lender and      effective as to third parties on the recording of this      Assignment. |
|--|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 12. | LEASEHOLDS; CONDOMINIUMS;      PLANNED UNIT DEVELOPMENTS. Mortgagor agrees to comply with the      provisions of any lease if this Mortgage is on a leasehold. If the      Property includes a unit in a condominium or a planned unit development,      Mortgagor will perform all of Mortgagor's duties under the covenants,      by-laws, or regulations of the condominium or planned unit      development. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 13. | DEFAULT. Mortgagor will      be in default if any of the followingoccur: |
|-----|--------------------------------------------------------------------------|

|   | A. | Any      party obligated on the Secured Debt fails to make payment when      due; |
|--------|----|-----------------------------------------------------------------------------------|

|   | B. | A      breach of any term or covenant in this Mortgage or any other document      executed for the purpose of creating, securing or guarantying the Secured      Debt; |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | C. | The      making or furnishing of any verbal or written representation, statement or      warranty to Lender that is false or incorrect in any material respect by      Mortgagor or any person or entity obligated on the Secured      Debt; |
|--------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | D. | The      death, dissolution, or insolvency of, appointment of a receiver for, or      application of any debtor relief law to, Mortgagor or any other person or      entity obligated on the SecuredDebt; |
|--------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | E. | A      good faith belief by Lender at any time that Lender is insecure with      respect to any person or entity obligated on the Secured Debt or that the      prospect of any payment is impaired or the value of the Property is      impaired; |
|--------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | F. | A      material adverse change in Mortgagor's business including ownership,      management, and financial conditions, which Lender in its opinion believes      impairs the value of the Property or repayment of the Secured Debt;      or |
|--------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | G. | Any      loan proceeds are used for a purpose that will contribute to excessive      erosion of highly erodible land or to the conversion of wetlands to      produce an agricultural commodity, as further explained in 7 C.F.R. Part      1940, Subpart G. |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 14. | REMEDIES ON DEFAULT. In      some instances, federal and state law will require Lender to provide      Mortgagor with notice of the right to cure or other notices and may      establish time schedules for foreclosure actions. Subject to these      limitations, if any, Lender may accelerate the Secured Debt and foreclose      this Mortgage in a manner provided by law if Mortgagor is in default. Upon      default, Lender shall have the right, without declaring the whole      indebtedness due and payable, to foreclose against all or part of the      Property and shall have the right to possession provided by law. This      Mortgage shall continue as a lien on any part of the Property not sold on      foreclosure. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15. | EXPENSES; ADVANCES ON      COVENANTS; ATTORNEYS' FEES; COLLECTION COSTS. Except when      prohibited by law, Mortgagor agrees to pay all of Lender's expenses if      Mortgagor breaches any covenant in this Mortgage. Mortgagor will also pay      on demand any amount incurred by Lender for insuring, inspecting,      preserving or otherwise protecting the Property and Lender's security      interest. These expenses will bear interest from the date of the payment      until paid in full at the highest interest rate in effect as provided in      the terms of the Secured Debt. Mortgagor agrees to pay all costs and      expenses incurred by Lender in collecting, enforcing or protecting      Lender's rights and remedies under this Mortgage. This amount may include,      but is not limited to, attorneys' fees, court costs, and other legal      expenses. This Mortgage shall remain in effect until released. Lender      agrees to pay for any recordation costs of such  release. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 16. | ENVIRONMENTAL LAWS AND      HAZARDOUS SUBSTANCES. As used in this section, (1) Environmental      Law means all federal, state and local laws, regulations, ordinances,      court orders, attorney general opinions or interpretive letters concerning      the public health, safety, welfare, environment or a hazardous substance;      and (2) Hazardous Substance means any toxic, radioactive or hazardous      material, waste, pollutant or contaminant which has characteristics which      render the substance dangerous or potentially dangerous to the public      health, safety, welfare or environment. The term includes, without      limitation, any substances defined as "hazardous material," "toxic      substances," "hazardous waste" or "hazardous substance" under any      Environmental Law. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | A. | Except      as previously disclosed and acknowledged in writing to Lender, no      Hazardous Substance has been, is, or will be located, transported,      manufactured, treated, refined, or handled by any person on, under or      about the Property, except in the ordinary course of business and in      strict compliance with all applicable Environmental  Law. |
|--------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | B. | Except      as previously disclosed and acknowledged in writing to Lender, Mortgagor      has not and will not cause, contribute to, or permit the release of any      Hazardous Substance on theProperty. |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | C. | Mortgagor      will immediately notify Lender if (1) a release or threatened release of      Hazardous Substance occurs on, under or about the Property or migrates or      threatens to migrate from nearby property; or (2) there is a violation of      any Environmental Law concerning the Property. In such an event, Mortgagor      will take all necessary remedial action in accordance with Environmental      Law. |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | D. | Except      as previously disclosed and acknowledged in writing to Lender, Mortgagor      and every tenant have been, are and shall remain in full compliance with      any applicable Environmental Law and Mortgagor has no knowledge of or      reason to believe there is any pending or threatened investigation, claim,      or proceeding of any kind relating to (1) any Hazardous Substance located      on, under or about the Property; or (2) any violation by Mortgagor or any      tenant of any Environmental Law. Mortgagor will immediately notify Lender      in writing as soon as Mortgagor has reason to believe there is any such      pending or threatened investigation, claim, or proceeding. In such an      event, Lender has the right, but not the obligation, to participate in any      such proceeding including the right to receive copies of any documents      relating to such proceedings. |
|--------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | E. | Except      as previously disclosed and acknowledged in writing to Lender, there are      no underground storage tanks, private dumps or open wells located on or      under the Property and no such tank, dump or well will be added unless      Lender first consents in writing. |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | F. | Mortgagor      will permit, or cause any tenant to permit, Lender or Lender's agent to      enter and inspect the Property and review all records at any reasonable      time to determine (1) the existence, location and nature of any Hazardous      Substance on, under or about the Property; (2) the existence, location,      nature, and magnitude of any Hazardous Substance that has been released      on, under or about the Property; or (3) whether or not Mortgagor and any      tenant are in compliance with applicable Environmental  Law. |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | G. | Upon      Lender's request and at any time, Mortgagor agrees, at Mortgagor's      expense, to engage a qualified environmental engineer to prepare an      environmental audit of the Property and to submit the results of such      audit to Lender. The choice of the environmental engineer who will perform      such audit is subject to Lender'sapproval. |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|    | H. | Lender      may perform any of Mortgagor's obligations under this section at      Mortgagor's expense. |
|--------------|----|--------------------------------------------------------------------------------------------------------|

|   | I. | As      a consequence of any breach of any representation, warranty or promise      made in this section, (1) Mortgagor will indemnify and hold Lender and      Lender's successors or assigns harmless from and against all losses,      claims, demands, liabilities, damages, cleanup, response and remediation      costs, penalties and expenses, including without limitation all costs of      litigation and attorneys' fees, which Lender and Lender's successors or      assigns may sustain; and (2) at Lender's discretion, Lender may release      this Mortgage and in return Mortgagor will provide Lender with collateral      of at least equal value to the Property secured by this Mortgage without      prejudice to any of Lender's rights under this  Mortgage. |
|--------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | J. | Notwithstanding      any of the language contained in this Mortgage to the contrary, the terms      of this section shall survive any foreclosure or satisfaction of this      Mortgage regardless of any passage of title to Lender or any disposition      by Lender of any or all of the Property. Any claims and defenses to the      contrary are hereby waived. |
|--------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 17. | CONDEMNATION. Mortgagor      will give Lender prompt notice of any pending or threatened action, by      private or public entities to purchase or take any or all of the Property      through condemnation, eminent domain, or any other means. Mortgagor      authorizes Lender to intervene in Mortgagor's name in any of the above      described actions or claims. Mortgagor assigns to Lender the proceeds of      any award or claim for damages connected with a condemnation or other      taking of all or any part of the Property. Such proceeds shall be      considered payments and will be applied as provided in this Mortgage. This      assignment of proceeds is subject to the terms of any prior mortgage, deed      of trust, security agreement or other lien  document. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 18. | INSURANCE. Mortgagor      agrees to maintain insurance asfollows: |
|-----|-------------------------------------------------------------------|

|   | A. | Mortgagor      shall keep the Property insured against loss by fire, flood, theft and      other hazards and risks reasonably associated with the Property due to its      type and location. This insurance shall be maintained in the amounts and      for the periods that Lender requires. What Lender requires pursuant to the      preceding two sentences can change during the term of the Secured Debt.      The insurance carrier providing the insurance shall be chosen by Mortgagor      subject to Lender's approval, which shall not be unreasonably withheld. If      Mortgagor fails to maintain the coverage described above, Lender may, at      Lender's option, obtain coverage to protect Lender's rights in the      Property according to the terms of this  Mortgage. |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | B. | All insurance policies      and renewals shall be acceptable to Lender and shall include a standard      "mortgage clause" and, where applicable, "loss payee clause." Mortgagor      shall immediately notify Lender of cancellation or termination of the      insurance. Lender shall have the right to hold the policies and renewals.      If Lender requires, Mortgagor shall immediately give to Lender all      receipts of paid premiums and renewal notices. Upon loss, Mortgagor shall      give immediate notice to the insurance carrier and Lender. Lender may make      proof of loss if not made immediately by  Mortgagor. |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | C. | Unless      otherwise agreed in writing, all insurance proceeds shall be applied to      restoration or repair of the Property or to the Secured Debt, whether or      not then due, at Lender's option. Any application of proceeds to principal      shall not extend or postpone the due date of scheduled payment nor change      the amount of any payment. Any excess will be paid to the Mortgagor. If      the Property is acquired by Lender, Mortgagor's right to any insurance      policies and proceeds resulting from damage to the Property before the      acquisition shall pass to Lender to the extent of the Secured Debt      immediately before the acquisition. |
|--------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | D. | Mortgagor      agrees to maintain comprehensive general liability insurance naming Lender      as an additional insured in an amount acceptable to Lender, insuring      against claims arising from any accident or occurrence in or on the      Property. |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | E. | Mortgagor      agrees to maintain rental loss or business interruption insurance, as      required by Lender, in an amount equal to at least coverage of one year's      debt service, and required escrow account deposits (if agreed to      separately in writing), under a form of policy acceptable to      Lender. |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 19. | ESCROW FOR TAXES AND      INSURANCE. Unless otherwise provided in a separate agreement,      Mortgagor will not be required to pay to Lender funds for taxes and      insurance in escrow. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 20. | FINANCIAL REPORTS AND      ADDITIONAL DOCUMENTS. Mortgagor will provide to Lender upon      request, any financial statement or information Lender may deem reasonably      necessary. Mortgagor agrees to sign, deliver, and file any additional      documents or certifications that Lender may consider necessary to perfect,      continue, and preserve Mortgagor's obligations under this Mortgage and      Lender's lien status on theProperty. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 21. | JOINT AND INDIVIDUAL LIABILITY;      CO-SIGNERS; SUCCESSORS AND ASSIGNS BOUND. All duties under this      Mortgage are joint and individual. If Mortgagor signs this Mortgage but      does not sign an evidence of debt, Mortgagor does so only to mortgage      Mortgagor's interest in the Property to secure payment of the Secured Debt      and Mortgagor does not agree to be personally liable on the Secured Debt.      If this Mortgage secures a guaranty between Lender and Mortgagor,      Mortgagor agrees to waive any rights that may prevent Lender from bringing      any action or claim against Mortgagor or any party indebted under the      obligation. These rights may include, but are not limited to, any      anti-deficiency or one-action laws. Mortgagor agrees that Lender and any      party to this Mortgage may extend, modify or make any change in the terms      of this Mortgage or any evidence of debt without Mortgagor's consent. Such      a change will not release Mortgagor from the terms of this Mortgage. The      duties and benefits of this Mortgage shall bind and benefit the successors      and assigns of Mortgagor andLender. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 22. | APPLICABLE LAW; SEVERABILITY;      INTERPRETATION. This Mortgage is governed by the laws of the      jurisdiction in which Lender is located, except to the extent otherwise      required by the laws of the jurisdiction where the Property is located.      This Mortgage is complete and fully integrated. This Mortgage may not be      amended or modified by oral agreement. Any section in this Mortgage,      attachments, or any agreement related to the Secured Debt that conflicts      with applicable law will not be effective, unless that law expressly or      impliedly permits the variations by written agreement. If any section of      this Mortgage cannot be enforced according to its terms, that section will      be severed and will not affect the enforceability of the remainder of this      Mortgage. Whenever used, the singular shall include the plural and the      plural the singular. The captions and headings of the sections of this      Mortgage are for convenience only and are not to be used to interpret or      define the terms of this Mortgage. Time is of the essence in this      Mortgage. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 23. | NOTICE. Unless otherwise      required by law, any notice shall be given by delivering it or by mailing      it by first class mail to the appropriate party's address on page 1 of      this Mortgage, or to any other address designated in writing. Notice to      one mortgagor will be deemed to be notice to all    mortgagors. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 24. | WAIVERS. Except to the      extent prohibited by law, Mortgagor hereby waives and releases any and all      rights and remedies Mortgagor may now have or acquire in the future      relating to the right of homestead exemption, redemption, reinstatement,      appraisement, the marshalling of liens and assets and all other exemptions      as to the Property. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 25. | MAXIMUM OBLIGATION      LIMIT. The total principal amount secured by this Mortgage at any      one time shall not exceed $2,500,000.00.  This limitation of      amount does not include interest, attorneys fees, and other fees and      charges validly made pursuant to this Mortgage. Also, this limitation does      not apply to advances made under the terms of this Mortgage to protect      Lender's security and to perform any of the covenants contained in this      Mortgage. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | MORTGAGOR:                   |                           |
|--------|------------------------------|--------------------------------|
|   |                         |                           |
|   | YTB      International, Inc. |                           |
|   |                         |                           |   |
|   | By:                          | /s/      John D. Clagg, as CFO |   |
|   | Printed      Name:           | John      D. Clagg             |   |
|   | Title:                       | CFO                            |   |

| /s/      Sandra J. Pippins |
|----------------------------|
| Notary      Public         |

----

----