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| (1) | Schedule A of the agreement is hereby deleted in its entirety and replaced with the attached Schedule A. |

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| (2) | This Amendment may be executed by the parties hereto in separate counterparts, each of which when so executed and delivered shall be an original but all of which taken together will constitute one and the same instrument. |

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| (3) | Except to the extent amended hereby, the Agreement shall remain in full force and effect. |

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| • | 0.03% of the initial payment on the issue date of the certificate; and |

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| • | 0.03% of the certificate’s reserve at the beginning of the second and subsequent quarters from issue date. |

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| • | For all terms except 7 and 13 months, 0.08% of the initial payment on the issue date of the certificate; |

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| • | For all terms except 7 and 13 month, 0.08% of the certificate’s reserve at the beginning of the second and subsequent quarters from issue date; |

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| • | For 7 month terms, 0.08% of the initial payment on the issue date of the certificate, 0.08% of the certificate’s reserve at the beginning of the second quarter from issue date of the certificate and 0.027% of the certificate’s reserve at the beginning of the last month of the certificate term; and |

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| • | For 13 month terms, 0.032% of the initial payment on the issue date of the certificate, 0.032% of the certificate’s reserve at the beginning of the second, third and fourth quarters from issue date and 0.011% at the beginning of the last month of the certificate term. |

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| • | 0.50% of all payments.  This fee is paid on all payments received on or after issue of the certificate until the certificate’s maturity date. |

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| • |  0.50% of the initial investment on the first day of the certificate’s term; and |

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| • |  0.50% of the certificate’s reserve at the beginning of each subsequent term. |

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| • |  For 1 year terms, 0.50% of the initial investment on the first day of the certificate’s term and 0.50% of the certificate’s reserve at the beginning of each subsequent term. |

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| • | For 2 year terms, 1.00% of the initial investment on the first day of the certificate’s term and 1.00% of the certificate’s reserve at the beginning of each subsequent term. |

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| • | For 3 year terms, 1.50% of the initial investment on the first day of the certificate’s term and 1.50% of the certificate’s reserve at the beginning of each subsequent term. |

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| • | 0.075% of the initial investment on the issue date of the certificate; and |

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| • | 0.075% of the certificate’s reserve at the beginning of the second and subsequent quarters from issue date. |