Document:

FIRST
      AMENDMENT TO LOAN AGREEMENT

    

    This
      First Amendment (this “Amendment”)
      to the
      Loan Agreement dated as of June 19, 2006, is made as of June 26, 2006 (the
      "Loan
      Agreement"),
      by
      and among by and among IXI
      MOBILE (R&D) LTD.,
      an
      Israeli limited liability company, (the “Company”),
      IXI MOBILE,
      INC.,
      a
      Delaware corporation (the “Parent
      Guarantor”)
      and
SOUTHPOINT
      MASTER FUND LP
      (the
“Lender).
      The
      parties hereby agree as follows:

    

    RECITALS

    

    WHEREAS,
      the Company, the Parent Guarantor and the Lender have recently entered into
      the
      Loan Agreement; and 

    

    WHEREAS,
      the parties discovered and omission in the Company Disclosure Schedule and
      an
      error in the Loan which omission and error the parties now wish to rectify
      and
      amend. 

    

    NOW,
      THEREFORE, in consideration of the foregoing and for other good and valuable
      consideration, the receipt and adequacy of which are hereby acknowledged, the
      parties hereby agree as follows:

    

    Unless
      otherwise defined below, all capitalized terms herein shall have the meanings
      assigned to such terms in the Loan Agreement

    

    1. Amendment
      of the Loan Agreement.
      

     

    Section
      3.3(b) is hereby amended and rested in its entirety to read as
      follows:

    

    "3.3
      (b) As
      an
      inducement to the Lenders and to the Leumi Guarantors assuming any part of
      the
      Leumi Debt to convert at least 50% (the “Conversion
      Inducement Threshold”)
      of
      each their respective Loan amount or assumed Leumi Debt amount into ITAC Stock
      in the event the ITAC/IXI Merger closes, subject and conditioned upon the
      ITAC/IXI Merger becoming effective, ITAC shall issue pursuant to the combined
      provisions of this Section 3.3(b) and the ITAC Certification, as soon as
      practicable following the consummation of the ITAC/IXI Merger, to any Conversion
      Participant meeting or exceeding the Conversion Inducement Threshold, warrants
      (“ITAC
      Warrants”)
      to
      purchase that number of ITAC Stock (as defined above) equal to the product
      obtained by multiplying (A) each converted Dollar ($1.00) of each such
      Conversion Participant’s Conversion Amount by (B) 0.0357. The parties agree
      that, notwithstanding anything to the contrary in the definition of Conversion
      Amount set forth above, for purposes of this Section 3.3(b) only, the term
      "Conversion Amount" shall mean solely the principal amount (i.e. with no accrued
      interest and other costs taken into account) of the Lender’s Note(s) and solely
      the principal amount (i.e. with no accrued interest and other costs taken into
      account) of the Leumi Debt assumed by the Leumi Guarantors (if any) such that,
      in the event the entire principal amount of the Lender’s Note(s)and the entire
      principal amount of the Leumi Debt assumed by the Leumi Guarantor are converted
      into ITAC Stock, the maximum number of ITAC Stock purchasable under the ITAC
      Warrants shall be 1,000,000 shares of ITAC Stock dividing 714,286 to the Lender
      and 285,714 to the Leumi Guarantors. The
      parties further agree that Conversion Participants wishing to utilize the
      benefit conferred by this Section 3.3(b) (combined with the ITAC Certification)
      shall be required to convert a Conversion Amount such that the foregoing formula
      will result a whole number of ITAC Warrant shares. The ITAC Warrants shall
      be in
      the form attached hereto as Exhibit E. Notwithstanding anything to the contrary
      herein, the Company and the Parent Guarantor represent and warrant that the
      benefit to the Leumi Guarantors described in this Section 3.3(b) and conferred
      by any similar section in the Leumi Guarantors’ Agreement, shall be
      pre-conditioned upon the Leumi Guarantors assuming collectively at least 50%
      of
      the Leumi Debt."

     

    
      
         

      

      
         

        
          

        

      

      
         

      

    

     

    2. Amendment
      of Company Disclosure Schedule.
      The
      List of Charges/Liens in Section 4.13 of the Company Disclosure Schedule is
      hereby amended and restated in its entirety to read as set forth in Schedule
      Iattached hereto.

     

    3. No
      Other Modifications.
      Except
      as expressly set forth herein, all other terms and conditions of the Loan
      Agreement shall remain in full force and effect.

     

    4. Miscellaneous.
      

     

    4.1 Counterparts;
      Fax Signatures.
      This
      Amendment may be executed in counterparts, each of which shall constitute an
      original, but all of which together shall constitute one and the same Amendment.
      Originally executed counterparts may be delivered by facsimile and any such
      delivery shall be valid for all purposes as delivery of a manual signature
      and
      equally admissible in any legal proceedings to which any of the Company, the
      Prior Purchasers, or Third Closing Purchasers is a party.

     

    4.2 Severability.
      If any
      provision of this Amendment or the application thereof, shall for any reason
      and
      to any extent be determined by a court of competent jurisdiction to be invalid
      or unenforceable under applicable law, the remaining provisions of this
      Amendment shall be interpreted so as best to reasonably effect the intent of
      the
      parties hereto.

     

    4.3 Entire
      Agreement.
      This
      Amendment, together with the Loan Agreement and all exhibits hereto and thereto,
      constitute the entire understanding and agreement of the parties with respect
      to
      the transactions contemplated herein and supersede all prior and contemporaneous
      understandings and agreements, whether written or oral, with respect to such
      transactions.

     

    4.4 Governing
      Law;
      Forum.
      This
      Amendment shall be governed in all respects by Section 9.10 and 9.13 of the
      Loan
      Agreement.

     

    

    [Remainder
      of Page Intentionally Left Blank]

    
      
         

      

      
         

        
          

        

      

      
         

      

    

    

    IN
      WITNESS WHEREOF, the parties have executed this First Amendment to Loan
      Agreement as of the date first written above. 

    

    

    
      	 	
              IXI
                MOBILE (R&D), LTD.

            
	 	 
	 	 
	 	
              By:/s/
                Lihi Segal 

            
	 	 
	 	
              Name:
                Lihi Segal

            
	 	 
	 	
              Title:
                CFO

            
	 	 
	 	 
	 	
              IXI
                MOBILE, INC.

            
	 	 
	 	 
	 	
              By:/s/
                Lihi Segal

            
	 	 
	 	
              Name:
                Lihi Segal

            
	 	 
	 	
              Title:
                CFO

            

    

    

    

    [Signature
      Page to First Amendment to Loan Agreement]

    

    

    
      
         

      

      
         

        
          

        

      

      
         

      

    

    

    IN
      WITNESS WHEREOF, the parties have executed this First Amendment to Loan
      Agreement as of the date first written above.

     

    

    
      	 	
              SOUTHPOINT
                MASTER FUND, LP

            
	 	 
	 	
              By:     
                Southpoint
                GP, LP, its general partner

            
	 	
               

                         
                By:      Southpoint
                GP, LLC

            
	 	 
	 	
                                     
                By: /s/
                Robert W. Butts

            
	 	 
	 	
                                     
                Name: Robert
                W. Butts

            
	 	 
	 	
                                     
                Title:   Manager

            
	 	 
	 	
                                     
                By: /s/
                John S. Clark, II

            
	 	 
	 	
                                     
                Name: John
                S. Clark, II

            
	 	 
	 	
                                     
                Title:   Manager

            

    

    

    [Signature
      Page to First Amendment to Loan Agreement]

    

    
      
         

      

      
         

        
          

        

      

      
         

      

    

    
 

    Schedule
      I

    

    "List
      of Charges/Liens

    

      
        	
                Name
                  of company and place of charge registration

              	
                Serial
                  number

              	
                Date
                  of creation of charge

              	
                Date
                  of registration of charge

              	
                Name
                  of Lender

              	
                Sum
                  secured by charge

              	
                Description
                  of charge and attached property 

              	
                Special
                  terms

              
	
                IXI
                  Mobile, Inc.

                USA

              	
                32072844

              	
                -

              	
                August
                  11, .2003

              	
                Venture
                  Lending and Leasing III Inc.

              	
                Unlimited

              	
                All
                  of the Company's assets

              	
                -

              
	
                IXI
                  Mobile, Inc.

                USA

              	
                43052430

              	
                -

              	
                October
                  28, .2004

              	
                Venture
                  Lending and Leasing IV Inc.

              	
                Unlimited

              	
                All
                  of the Company's assets

              	
                -

              
	
                IXI
                  Mobile (R&D) Ltd. USA

              	
                2003103454

              	
                -

              	
                August
                  11, 2003

              	
                Venture
                  Lending and Leasing III Inc.

              	
                Unlimited

              	
                All
                  of the mortgaging Company's assets

              	
                -

              
	
                IXI
                  Mobile (R&D) Ltd. USA

              	
                2004150729

              	
                -

              	
                October
                  29, 2004

              	
                Venture
                  Lending and Leasing IV Inc.

              	
                Unlimited

              	
                All
                  of the mortgaging Company's assets

              	
                -

              
	
                IXI
                  Mobile (R&D) Ltd

                Israel

              	
                2

              	
                August
                  8, 2003

              	
                August
                  25, .2003

              	
                Venture
                  Lending and Leasing III Inc.

              	
                Unlimited

              	
                In
                  accordance with the related agreement

              	
                May
                  not be mortgaged or transferred without the consent of the charge
                  holder

              

      

       

      
        
           

        

        
           

          
            

          

        

        
           

        

      

       

      
        	
                IXI
                  Mobile (R&D) Ltd

                Israel

              	
                3

              	
                September
                  15, 2003

              	
                October
                  19, 2003

              	
                First
                  International Bank, Israel

              	
                Unlimited

              	
                All
                  Company's rights to receive funds from the Bank on account of specified
                  deposits, including all incomes accrued in the First International
                  Bank of
                  Israel, Ltd 

              	
                May
                  not be mortgaged or transferred without the consent of the charge
                  holder

              
	
                IXI
                  Mobile (R&D) Ltd

                Israel

              	
                4

              	
                September
                  1, 2004.

              	
                September
                  20, 2004.

              	
                Bank
                  Leumi Le Israel

              	
                Unlimited

              	
                All
                  rights and funds to the benefit of the accounts and deposits specified
                  in
                  annex A' and\or to the benefit of any substitute accounts and deposits,
                  as
                  well as all accrued income and benefits resulting from the deposit
                  account
                  

              	
                May
                  not be mortgaged or transferred without the consent of the charge
                  holder

              
	
                IXI
                  Mobile (R&D) Ltd

                Israel

              	
                5

              	
                October
                  22, 2004.

              	
                December
                  13, 2004

              	
                Venture
                  Lending and Leasing III Inc.

              	
                Unlimited
                  

              	
                Floating
                  and standing charge on all of the Company's assets as detailed
                  in the
                  related mortgage agreement and subject to the terms of the 1984
                  law for
                  the encouragement of Industry

              	
                May
                  not be mortgaged or transferred without the consent of the charge
                  holder

              

      

       

      
        
           

        

        
           

          
            

          

        

        
           

        

      

       

      
        	
                IXI
                  Mobile, Inc.

              	
                N/A

              	 	
                N/A

              	
                Safra
                  Bank

              	
                $75,000

              	
                Security
                  Deposit 

              	
                IXI
                  Mobile, Inc.

              

      

    

    

    Reference
      is made to the recorded liens on the Company’s Trademarks, which will be
      terminated in a timely manner following the Closing."RESTRICTED
      STOCK AWARD AGREEMENT

     

    THIS
      RESTRICTED STOCK AWARD AGREEMENT
      ("Agreement"),
      dated
      as of ____________ ("Grant
      Date"),
      is
      entered into between NovaMed, Inc., a Delaware corporation (the "Company"),
      and
      _________________ ("Participant"),
      an
      employee of NovaMed Management Services, LLC, a Delaware limited liability
      company, a wholly owned subsidiary of the Company.

    

    RECITALS:

    

    WHEREAS,
      the
      Company has adopted the NovaMed, Inc. 2005 Stock Incentive Plan 
      (the
      "Plan");
      and

    

    WHEREAS,
      pursuant
      to the Plan the Company desires to grant to the Participant shares of its Common
      Stock, $0.01 par value per share ("Shares"),
      subject to certain restrictions set forth in this Agreement, effective as of
      the
      Grant Date;

    

    WHEREAS,
      the
      Committee has duly made all determinations necessary or appropriate to the
      grants hereunder.

    

    NOW,
      THEREFORE,
      in
      consideration of the premises and the mutual covenants set forth in this
      Agreement and for other good and valuable consideration, the receipt of which
      is
      hereby acknowledged, the parties agree as follows:

    

    1. Definitions.
      Any
      capitalized term used in this Agreement that is not defined in this Agreement
      will have the same meaning as that given to it in the Plan. 

    

    2. Grant
      of Restricted Stock.

    

    (a) 
      Subject
      to the terms and conditions of the Plan, and the additional terms and conditions
      set forth in this Agreement, the Company hereby grants to Participant, as a
      matter of separate agreement and not in lieu of salary or any other compensation
      for services, _______________ (__________) Shares (the “Restricted
      Stock”).

    

    (b) Except
      as
      provided in Section
      2(c),
      until
      the Participant incurs a Termination of Employment, (i)
      one-eighth (1/8) of the Restricted Stock will vest on the six month anniversary
      of the Grant Date and
      (ii)
      an additional three-forty-eighths (3/48ths) of the Restricted Stock will vest
      on
      each subsequent three month anniversary of the Grant Date, until fully vested.
      Upon
      the
      Participant’s Termination of Employment for any reason, all unvested shares of
      Restricted Stock shall be cancelled and forfeited except as provided in
Section
      2(c).
      

    

    
      
        
        

      

      
        -1-

        
          

        

      

      
        
        

      

    

     

    (c) Notwithstanding
      Section
      2(b),
      all of
      the Restricted Stock shall become vested immediately upon a Change in Control
      if
      the Participant is employed by the Company at the time of such Change in
      Control. 

    

    3. Certificates.
      Shares
      of Restricted Stock awarded under Section 2 will be evidenced by one or more
      certificates bearing a legend referring to the terms, conditions and
      restrictions applicable to such Restricted Stock. The Company will retain
      physical possession of such certificates, and Participant shall be required
      upon
      demand to execute and deliver one or more stock powers to the Company, endorsed
      in blank, relating to such shares or Restricted Stock for so long as such shares
      remain unvested and subject to a risk of forfeiture. Neither unvested shares
      of
      Restricted Stock, nor the right to vote such shares and receive dividends
      thereon, may be sold, assigned, transferred, exchanged, pledged, hypothecated
      or
      otherwise encumbered; provided, however, that Participant may grant to another
      person a revocable proxy to vote unvested shares of Restricted Stock at a
      Company stockholder meeting.

    

    4. Rights.
      Participant will have full voting rights with respect to shares of Restricted
      Stock issued hereunder. Participant will be entitled to receive dividends on
      shares of Restricted Stock if and when dividends are payable on Shares to
      shareholders of record after the Grant Date (unless and until such Restricted
      Stock is forfeited). In the absence of an effective election under Section
      83(b)
      of the Code, dividends paid on unvested shares of Restricted Stock will be
      treated as compensation and are subject to withholding.

    

    5. Delivery
      and Withholding.
      Subject
      to satisfaction of any tax withholding obligation as described below, shares
      of
      Restricted Stock that are no longer subject to forfeiture will be transferred
      and delivered to Participant as soon as practicable after the date on which
      they
      vest in accordance with Section
      2(b).
      Upon
      the vesting of shares of Restricted Stock, the prohibition against the sale
      or
      transfer of such shares will be lifted and such shares may be treated as any
      other Shares, subject to any restrictions on transfer that may be applicable
      under federal securities laws. In the absence of an effective election under
      Section 83(b) of the Code, the payment to Participant and transfer of such
      shares of Restricted Stock upon vesting will be subject to withholding by the
      Company of amounts sufficient to cover withholding obligations applicable to
      such payment and transfer. In the event that any required tax withholding upon
      the settlement of such Restricted Stock exceeds Participant's regular
      compensation available to satisfy such withholding, Participant agrees to remit
      to the Company, as a condition of settlement of the Restricted Stock, such
      additional amounts as are necessary to satisfy such required withholding. Any
      withholding obligation may be settled either in cash or with Shares, including
      by withholding Shares that are otherwise deliverable hereunder upon vesting
      of
      Restricted Stock.

    

    6. Plan.
      Participant hereby acknowledges receipt of a copy of the Plan. Notwithstanding
      any other provision of this Agreement, the Restricted Stock is granted pursuant
      to the Plan, as in effect on the date of the Agreement, and is subject to the
      terms and conditions of the Plan, as the same may be amended from time to time;
      provided, however, that except as otherwise provided by the Plan no amendment
      to
      either the Plan or this Agreement will deprive the Participant, without the
      Participant's consent, of any shares of Restricted Stock or of Participant's
      rights under this Agreement. The interpretation and construction by the
      Committee of the Plan, this Agreement, the Restricted Stock, and such rules
      and
      regulations as may be adopted by the Committee for the purpose of administering
      the Plan, will be final and binding upon the Participant. 

    

    
      
        
        

      

      
        -2-

        
          

        

      

      
        
        

      

    

     

    7. No
      Employment Rights.
      No
      provision of this Agreement or of the Restricted Stock will give Participant
      any
      right to continue in the employ of the Company or any of its
      Affiliates, create any inference as to the length of employment of the
      Participant, affect the right of the Company or its Affiliates to terminate
      the
      employment of the Participant, with or without Cause, or give Participant any
      right to participate in any employee welfare or benefit plan or other program
      (other than the Plan) of the Company or any of its Affiliates.

    

    8. Changes
      in Company's Capital or Organizational Structure.
      The
      existence of the Restricted Stock shall not affect in any way the right or
      authority of the Company or its shareholders to make or authorize any or all
      adjustments, recapitalizations, reorganizations or other changes in the
      Company's capital structure or its business, or any merger or consolidation
      of
      the Company, or any issue of preferred Shares ahead of or affecting the Shares
      or the rights thereof, or the dissolution or liquidation of the Company, or
      any
      sale or transfer of all or any part of its assets or business, or any other
      act
      or proceeding, whether of a similar character or otherwise.

    

    9. Delays.
      In
      accordance with the terms of the Plan, the Company shall have the right to
      suspend or delay any time period prescribed in this Agreement or in the Plan
      for
      any action if the Committee shall determine that the action may constitute
      a
      violation of any law or result in any liability under any law to the Company,
      an
      Affiliate or a shareholder in the Company until such time as the action required
      or permitted will not constitute a violation of law or result in liability
      to
      the Company, an Affiliate or a shareholder of the Company. 

    

    10. Governing
      Law; Construction.
      This
      Agreement and the Restricted Stock will be governed by, and construed and
      enforced in accordance with, the laws of the State of Illinois without regard
      to
      conflicts of law principles. Common nouns and pronouns shall be deemed to refer
      to the masculine, feminine, neuter, singular and plural, as the context
      requires.

    

    11. Entire
      Agreement.
      This
      Agreement, together with the Plan and any other agreements incorporated herein
      by reference, constitutes the entire obligation of the parties with respect
      to
      the subject matter of this Agreement and supersedes any prior written or oral
      expressions of intent or understanding with respect to such subject
      matter.

    

    12. Amendment.
      Any
      amendment to this Agreement must be in writing and signed by the
      Company.

    

    13. Waiver;
      Cumulative Rights.
      The
      failure or delay of either party to require performance by the other party
      of
      any provision of this Agreement will not affect its right to require performance
      of such provision unless and until such performance has been waived in writing.
      Each right under this Agreement is cumulative and may be exercised in part
      or in
      whole from time to time.

    

    
      
        
        

      

      
        -3-

        
          

        

      

      
        
        

      

    

     

    14. Counterparts.
      This
      Agreement may be signed in two counterparts, each of which will be an original,
      but both of which will constitute one and the same instrument.

    

    15. Notices.
      Any
      notices required or permitted under this Agreement must be in writing and may
      be
      delivered personally or by mail, postage prepaid, addressed to (a) the Company
      at 980 North Michigan Avenue, Suite 1620, Chicago, Illinois 60611, Attention:
      General Counsel and (b) the Participant at the Participant's address as shown
      on
      the Company's payroll records, or to such other address as the Participant,
      by
      notice to the Company, may designate in writing from time to time.

    

    16. Headings.
      The
      headings in this Agreement are for reference purposes only and will not affect
      the meaning or interpretation of this Agreement.

    

    17. Severability.
      If any
      provision of this Agreement is for any reason held to be invalid or
      unenforceable, such invalidity or unenforceability will not affect any other
      provision of this Agreement, and this Agreement will be construed as if such
      invalid or unenforceable provision were omitted.

    

    18. No
      Strict Construction.
      The
      language used in this Agreement will be deemed to be the language chosen by
      the
      parties to express their mutual intent, and no rule of strict construction
      will
      be applied against any party.

    

    19. Remedies.
      Each of
      the parties to this Agreement will be entitled to enforce its rights under
      this
      Agreement specifically, to recover damages by reason of any breach of any
      provision of this Agreement, and to exercise all other rights existing in its
      favor. The Participant agrees and acknowledges that money damages will not
      be an
      adequate remedy for any breach of the provisions of this Agreement and that
      the
      Company will be entitled to specific performance and injunctive relief in order
      to enforce or prevent any violations of the provisions of this
      Agreement.

    

    20. Successors
      and Assigns.
      This
      Agreement will inure to the benefit of and be binding upon each successor and
      assign of the Company. All obligations imposed upon the Participant or a
      representative, and all rights granted to the Company under this Agreement,
      will
      be binding upon the Participant's or the representative's heirs, legal
      representatives and successors.

    

    21. Tax
      Consequences. The
      Participant agrees to determine and be responsible for all tax consequences
      to
      the Participant with respect to the Restricted Stock.

    

    *
      * * *

    
      
        
        

      

      
        -4-

        
          

        

      

      
        
        

      

    

    IN
      WITNESS WHEREOF,
      the
      Company and the Participant have executed this Agreement as of the date first
      written above.

    

    
      
        	 	COMPANY: 
	 	 
	 	NOVAMED,
                INC. 
	 	 
	 	By: _________________________________ 
	 	Its: _________________________________ 
	 	 
	 	PARTICIPANT: 
	 	 
	 	 
	 	____________________________________   
	 	[name] 

      

    

     

    
      
        
        

      

      
        -5-

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