|THIS DOCUMENT IS A COPY OF THE FIRST AMENDMENT TO
THE 135 NATIONAL BUSINESS PARKWAY LEASE, DATED DECEMBER 23, 1998, FILED ON MARCH 31, 2000,
PURSUANT TO A RULE 201 TEMPORARY HARDSHIP EXEMPTION


FIRST AMENDMENT TO AGREEMENT OF LEASE
(Credit Management Solutions, Inc.  135 NBP)


THIS FIRST AMENDMENT TO AGREEMENT
OF LEASE (this Amendment) made this 23rd day of December, 1998, and is
effective as of November 16, 1998, between CORPORATE OFFICE MANAGEMENT, INC.,
as Agent for NBP 135, LLC (Landlord) and CREDIT MANAGEMENT
SOLUTIONS, INC., a Delaware corporation ( Tenant).


W I T N E S S E T H:


WHEREAS, by virtue of Agreement
of Lease dated April 27, 1998 (the Lease) between Landlord and
Tenant, Tenant leases from Landlord and Landlord rents to Tenant that certain
Premises within improvements thereon containing the agreed upon equivalent of
70,982 square feet of rentable area (the Premises) situated on the
first, second and third floors of Landlords building having an address of
135 National Business Parkway, Annapolis Junction, Maryland 20701 (the Building)
and referred to as Suites 100, 200 and 300, all as more particularly described
in the Lease; and


WHEREAS, the parties acknowledge
and agree that the Commencement Date under the Lease is November 16, 1998; and


WHEREAS, Landlord and Tenant have
determined the amount of Base Rent to be abated and have agreed to amend the
schedule of Base Rent accordingly as more particularly set forth herein.


NOW, THEREFORE, in consideration
of the mutual covenants and conditions herein contained, and for other good and
valuable consideration, the receipt and sufficiency of which is hereby
acknowledged, Landlord and Tenant hereby modify and amend the Lease as follows:




1. Effective Date. The Effective Date of this Amendment is
November 16, 1998.


2. Confirmation of Commencement Date. The parties and
acknowledge and agree that the Commencement Date of the Lease is November 16,
1998.


3. Base Rent.
|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|A. |  | The
schedule set forth in Section 5.1 of the Lease shall be deleted in its entirety
and the following shall be inserted in lieu thereof:
|-- |  | ----------------------------------------------------------------------------------------------------------------------------------------

|Rental Year      | Annual Base Rent (as computedon an annualized basis) | Monthly Installmentof Annual Base Rent
|---------------- | ---------------------------------------------------- | --------------------------------------
|11/16/98-1/15/99 |                                                      | $377,676.00                           
|1/16/99-11/30/99 |                                                      | $1,277,676.00                         
|12/1/99-11/30/00 |                                                      | $1,305,359.04                         
|12/1/00-11/30/01 |                                                      | $1,333,751.76                         
|12/1/01-11/30/02 |                                                      | $1,363,564.20                         
|12/1/02-11/30/03 |                                                      | $1,393,376.64                         
|12/1/03-11/30/04 |                                                      | $1,424,608.80                         
|12/1/04-11/30/05 |                                                      | $1,456,550.64                         
|12/1/05-11/30/06 |                                                      | $1,489,912.20                         
|12/1/06-11/30/07 |                                                      | $1,523,983.56                         
|12/1/07-11/30/08 |                                                      | $1,558,764.72                         

|Within ten (10) days after
receipt of a written invoice from Landlord, Tenant shall pay Landlord all
accrued, but unpaid amounts of Base Rent due resulting from the revised Base
Rent schedule set forth above.


A. The last paragraph of Section 5.1 is hereby deleted in its
entirety.


4. First Amendment of Lease. All other terms, covenants and
conditions of the Lease remain the same and continue in full force and effect,
and shall be deemed unchanged, except as such terms, covenants and conditions
of the Lease have been amended or modified by this First Amendment to Agreement
of Lease, and this First Amendment to Agreement of Lease shall, by this
reference, constitute a part of the Lease.



IN WITNESS WHEREOF, the parties
hereby have executed this First Amendment to Agreement of Lease under their
respective seals as of the day and year first above written.
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|WITNESS: |  |  | LANDLORD:
CORPORATE OFFICE MANAGEMENT, INC.
Agent for Owner
|-------- |  |  | -----------------------------------------------------------

|_____________________________ |  |  | By:/s/  Roger A. Waesche, Jr.(SEAL)
       Roger A. Waesche, Jr., 
       Senior Vice President
|----------------------------- |  |  | -----------------------------------------------------------------------------------------------

|WITNESS OR ATTEST: |  |  | TENANT:
CREDIT MANAGEMENT SOLUTIONS, INC.
|------------------ |  |  | -----------------------------------------

|_____________________________ |  |  | By:/s/  Robert Vollono(SEAL)
       Name:  Robert Vollono
        Title:  SVP and CFO
|----------------------------- |  |  | -------------------------------------------------------------------------------------

|STATE OF MARYLAND,______________________, TO WIT:


I HEREBY CERTIFY, that on this
day of ,1998, before me, the undersigned Notary Public of said State,
personally appeared Roger A. Waesche, Jr., who acknowledged himself to be the
Senior Vice President of CORPORATE OFFICE MANAGEMENT, INC., a Maryland
corporation, known to me (or satisfactorily proven) to be the person whose name
is subscribed to the within instrument, and acknowledged that he executed the
same on behalf of said corporation for the purposes therein contained as the
duly authorized Senior Vice President of said corporation by signing the name
of the corporation by himself as such Senior Vice President.


WITNESS my hand and Notarial Seal.
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| |  | Notary Public
| |  | -------------

|My Commission Expires:
|----------------------

|STATE OF MARYLAND, TO WIT:


I HEREBY CERTIFY, that on this 23
day of December, 1998, before me, the undersigned Notary Public of said State,
personally appeared Robert Vollono, known to me (or satisfactorily proven) to be the person
whose name is subscribed to the within instrument, and acknowledged him/herself
to be the Sr. President of CREDIT MANAGEMENT SOLUTIONS, INC., a Delaware
corporation, and that he/she, as such Sr. President, being authorized so to
do, executed the foregoing instrument on behalf of said Corporation by
him/herself as such Sr. President.


WITNESS my hand and Notarial Seal.
|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| |  | Notary Public/s/
| |  | ----------------

|My Commission Expires: February 8, 2000
|---------------------------------------