Exhibit 10.15


     

    Exhibit
      10.15

    

      CHANGE
        IN TERMS AGREEMENT

      


      
        	
                Principal

              	
                Loan
                  Date

              	
                Maturity

              	
                Loan
                  No 

              	
                Call
                  / Coll

              	
                Account

              	
                Officer
                  

              	
                Initials

              
	
                $2,401,345.71

              	
                03-30-2005

              	
                03-30-2008

              	
                2700433672

              	
                ,tr
                  25585

              	 	
                F8B

              	 
	
                References
                  in the above area are for Lender’s use only and do not limit the
                  applicability of the document to any particular loan or item.

                Any
                  item above containing “***” has been omitted due to text length
                  limitations.

              


      

                      Borrower: AT&S
        Holdings, Inc.                Lender:    Commercial
        Federal Bank, a Federal Savings Bank

                     American
        Trailer & Storage, Inc.                Lee’s
        Summit Commercial Lending HQ

                     3505
        Manchester Trafficway                    740
        N.W.
        Blue Parkway

                     Kansas
        City, MO 64129                      
Lee’s
        Summit, MO 64086

      


                      Principal
        Amount: $2,401,345.71       Date
        of
        Agreement:  September
        27, 2005

      


      DESCRIPTION
        OF EXISTING INDEBTEDNESS.
        The
        description of the existing indebtedness is set forth in the Promissory Note
        dated March 30, 2005 (the “Note”), and all subsequent modifications thereto, by
        and between AT&S Holdings, Inc. and American Trailer & Storage, Inc.
        (Borrower) and Commercial Federal Bank, a Federal Savings Bank
        (Lender).

      


      DESCRIPTION
        OF COLLATERAL. The
        description of the collateral is set forth in the Promissory Note dated March
        30, 2005.

      


      DESCRIPTION
        OF CHANGE IN TERMS.

      


      Decrease
        interest rate from 7.85% fixed to 7.00% fixed, effective September 1,
        2005.

      


      CONTINUING
        VALIDITY.
        Except
        as expressly changed by this Agreement, the terms of the original obligation
        or
        obligations, including all agreements evidenced or securing the obligation(s),
        remain unchanged and in full force and effect. Consent by Lender to this
        Agreement does not waive Lender’s right to strict performance of the
        obligation(s) as changed, nor obligate Lender to make any future change in
        terms. Nothing in this Agreement will constitute a satisfaction of the
        obligation(s). It is intention of Lender to retain as liable parties all
        makers
        and endorsers of the original obligation(s), including accommodation parties,
        unless a party is expressly released by Lender in writing. Any maker or
        endorser, including accommodation makers, will not be released by virtue
        of this
        Agreement. If any person who signed the original obligation does not sign
        this
        Agreement below, then all person signing below acknowledge that this Agreement
        is given conditionally, based on the representation to Lender that the
        non-signing party consents to the changes and provisions of this Agreement
        or
        otherwise will not be released by it. This waiver applies not only to any
        initial extension, modification or release, but also to all such subsequent
        actions.

      


      JURY
        WAIVER. Lender and Borrower hereby waive the right to any jury trial in any
        action, proceeding, or counterclaim brought by either Lender or Borrower
        against
        the other.

      


      PRIOR
        TO SIGNING THIS AGREEMENT, EACH BORROWER READ AND UNDERSTOOD ALL THE PROVISIONS
        OF THIS AGREEMENT. EACH BORROWER AGREES TO THE TERMS OF THE
        AGREEMENT.

      


      Borrower:

       

      AT&S
        Holdings, Inc.

      


      By:___//s//_________________________  By:______//s//___________________________

      Richard
        G. Honan, II, Chief Financial Officer of  Richard
        G. Honan, Chairman of AT&S Holdings, Inc.

      AT&S
        Holdings, Inc.

      


      AMERICAN
        TRAILER & STORAGE, INC.

      


      By:______//s//_________________________________ By:__________//s//__________________________________

      Richard
        G. Honan, II, Chief Financial Officer of Richard
        G. Honan, Chairman of American Trailer &

      American
        Trailer & Storage, Inc.   Storage,
        Inc. 

      


      LENDER:

       

      COMMERCIAL
        FEDERAL BANK, A FEDERAL SAVINGS BANK

      


      


      X_//s//________________________________________________

      David
        R. Kyle, Loan Officer