Document:

BARRON PARTNERS LP
                           730 FIFTH AVENUE, 9TH FLOOR
                            NEW YORK, NEW YORK 10019

                                                          As of November 9, 2004

XRG, Inc.
5301 Cypress Street, Suite 111
Tampa, FL 33607

                  Re:      Promissory Note Extension
                           -------------------------

Ladies and Gentlemen:

         Reference is made to that certain Promissory Note, dated September 10,
2004 (the "Note"), with a face amount of $225,809.86, made by XRG, Inc.
("Maker") in favor of Barron Partners LP ("Holder").

         This will confirm that, as of the date hereof, the due date for
repayment of Maker's obligations under the Note has been extended to March 31,
2005.

         Except to the extent expressly described above, the Note remains in
full force and effect as previously executed.

                                                     Very truly yours,

                                                     BARRON PARTNERS LP

                                                     BY: _______________________
                                                     NAME: _____________________
                                                     TITLE:  ___________________

<PAGE>

                               BARRON PARTNERS LP
                           730 FIFTH AVENUE, 9TH FLOOR
                            NEW YORK, NEW YORK 10019

                                                         As of November 30, 2004

XRG, Inc.
5301 Cypress Street, Suite 111
Tampa, FL 33607

                  Re:      Promissory Note Extension
                           -------------------------

Ladies and Gentlemen:

         Reference is made to that certain Promissory Note, dated October 1,
2004 (the "Note"), with a face amount of $166,275.00, made by XRG, Inc.
("Maker") in favor of Barron Partners LP ("Holder").

         This will confirm that, as of the date hereof, the due date for
repayment of Maker's obligations under the Note has been extended to March 31,
2005.

         Except to the extent expressly described above, the Note remains in
full force and effect as previously executed.

                                                     Very truly yours,

                                                     BARRON PARTNERS LP

                                                     BY: _______________________
                                                     NAME: _____________________
                                                     TITLE:  ___________________CAPCO

                                CONTRACT OF SALE
                               SECURITY AGREEMENT
                                  (LOC Form 5)

     This  Contract  of Sale  and  Security  Agreement  dated  for  purposes  of
     reference  January 31, 2005; is between the undersigned,  XRG, Inc. and its
     wholly owned subsidiaries,  XRG Logistics,  Inc., Express Frieight Systems,
     Inc., and R&R Express Intermodal,  Inc.,  hereinafter called "CLIENT",  and
     CAPCO  Financial  Company- a division of Greater Bay Bank N.A.  hereinafter
     called "CAPCO ", agree as follows:

       PURPOSE OF AGREEMENT:
       ---------------------
          1.   CLIENT  desires to obtain  short-term  financing  by selling,  to
               CAPCO ALL Accounts receivable.  CAPCO agrees to Purchase CLIENT's
               Accounts  from  time to  time at a  discount  below  face  value,
               utilizing  an advance  formula for the  purchase of ALL  Accounts
               based upon advances against  Acceptable/Eligible  Accounts. It is
               clearly  understood  by both  parties that ALL Accounts of CLIENT
               are to be sold to CAPCO.

       DEFINITIONS:
       ------------
          2.   "Account"  means any right of payment for goods sold,  or leased,
               and delivered, or services rendered, any specific transaction, or
               any right of payment.

          3.   "Advance  Formula" means the maximum  amount  available to CLIENT
               from CAPCO for the purchase of All  Accounts  will not exceed 80%
               of Acceptable/Eligible Accounts.

          4.   "Acceptable/Eligible  Account" means an Account conforming to the
               Warranties   and  terms  set  forth  herein  that  has  not  been
               outstanding  for more than 90 DAYS from the date of invoice,  has
               been underwritten and approved by CAPCO, and has not been reduced
               from  the  original  amount  billed  by,  credit  memo,   offset,
               adjustment of any kind, or partial payment  subsequent to invoice
               date.

          5.   "Customer" means CLIENT's Customer or the Account debtor.

          6.   "CLIENT" means the seller of All Accounts.

          7.   "Collateral"  means the intangible or tangible  property given as
               security to CAPCO by CLIENT for any  obligations  and liabilities
               of CLIENT to CAPCO under the Agreement.

          8.   "Warrant"  means to  guarantee,  as a  material  element  of this
               Agreement.

          9.   "Credit  Problem"  means  Customer  is  unable  to pay his  debts
               because of problems or insolvency.

          10.  "Customer Dispute" means any claim by Customer against CLIENT, of
               any kind  whatsoever,  valid or invalid,  that reduces the amount
               collectible from Customer by CAPCO.

       CLIENT COVENANTS:
       -----------------

          11.  CLIENT   agrees  to  sell  to  CAPCO  ALL  Accounts   Receivable,
               (Accounts)  mechanic's  lien(s),  and rights to payment under any
               stop  notice(s),  or bonded stop  notice(s)  securing  payment of
               those  Accounts  created by CLIENT in the course of its business,
               existing as of the date of this  agreement or thereafter  created
               during  the  term of this  agreement,  subject  to  approval  and
               verification  by CAPCO.  CAPCO is not  obligated to advance funds
               for  the  purchase  of All  Accounts  from  CLIENT.  When  CLIENT
               notifies CAPCO of it's  Accounts,  CLIENT shall provide a copy of
               the  original  Assigned  Account  (Invoice) a copy of the bill of
               lading contract,  purchase order,  purchase order number,  and/or
               any other requisite  supporting  documentation  corresponding  to
               said  Accounts  and  appropriate  to the  business of CLIENT,  as
               requested by CAPCO.

          12.  CLIENT shall prepare and give to CAPCO proper written assignments
               of Accounts,  mechanic's  lien(s) on forms provided by CAPCO. The
               execution  of said  assignments  shall  transfer  to CAPCO all of
               CLIENT's  right,  title and ownership to ALL Accounts.  CLIENT or
               CAPCO by this agreement will properly mark Accounts,  as assigned
               and sold to CAPCO,  and CAPCO is authorized to notify Customer of
               said sale and assignment.

          13.  CLIENT represents and Warrants to CAPCO that:

          a. CLIENT is sole and absolute owner of any and all Accounts and
           mechanic's liens and rights to payment under any stop notices, or
           bonded stop notices, sold and assigned hereunder, and CLIENT has full
           legal right to make said sale, assignment, and/or transfer.
          b. All Accounts sold to CAPCO are an accurate statement of a bonafide
          sale, delivery and acceptance of merchandise, or performance of
          service by CLIENT to / for Account-debtor. Accounts are not contingent
          upon the fulfillment by CLIENT and each Account-debtor's business is
          believed to be solvent. The terms for payment of said Accounts are Net
          30 days or as expressly set forth on the face of said sold and

<PAGE>

          assigned Accounts, and the payment of said Accounts are not contingent
          upon the fulfillment by CLIENT of any further performance of any
          nature whatsoever. CLIENT shall accept no returns and shall grant no
          allowances or credits to any sold and Assigned Account of any
          Account-debtor without the prior written approval of CAPCO.
          c. There are no known setoffs, Customer Disputes, adverse claims,
          defenses, and/or liens whatsoever against the payment of Accounts, and
          Account's mechanic's liens have not been previously assigned or
          encumbered by CLIENT in any manner whatsoever. CLIENT will,
          immediately upon sale of Accounts to CAPCO make proper entries on its
          books and records disclosing the absolute sale of Accounts to CAPCO
          and CLIENT will post no payment unless it is reflected in a payment
          report from CAPCO.
          d. CLIENT will promptly notify CAPCO in writing of any proposed change
          in CLIENT'S place of business, name, legal entity, corporate
          structure, record-keeping location, and/or as to any additional place
          of business, or expiration of any special license(s), or transfer of
          assets, or technology, to a third party, or proposed change in
          ownership in excess of twenty five percent, (25%), of outstanding
          shares;
          e. CLIENT does not own, control, manage, participate in
          management, or have any involvement and/or association whatsoever with
          the business of any Account-debtor related to any Accounts sold and
          assigned hereunder;
          f. There are no financing statements now on file
          in any public office governing, any Account, Inventory or work in
          process of CLIENT in which CLIENT is named in or has signed as the
          debtor, except the financing statement or statements filed or to be
          filed in respect to this Agreement, or those statements now on file
          that have been disclosed in writing by CLIENT to CAPCO. CLIENT will
          not execute any financing statements pledging Accounts receivables,
          inventory or work in process, in favor of any other person or entity,
          excepting CAPCO, for the term of this Agreement;
          g. CLIENT'S taxes are
          not delinquent nor has CLIENT been subject to a tax levy by any
          governmental entity nor are there now on file in any public office tax
          liens affecting CLIENT other than those delinquencies, levies and/or
          liens which have been disclosed by CLIENT to CAPCO;
          h. All records,
          statements, books, or other documents shown to CAPCO by CLIENT at any
          time, either before, or after the signing of the Agreement are true
          and accurate;
          i. CLIENT has served or caused to be served any and all
          preliminary 10-day notices required by law to perfect or enforce any
          mechanic's lien for All Accounts to insure perfection of ownership for
          CAPCO and the information contained on those preliminary 10-day
          notices is true, correct, and properly recorded, to Seller's knowledge
          and belief;
          j. Waivers and releases for all labor, services,
          equipment, or material of CLIENT and others will be submitted
          on CAPCO's form concurrent with Accounts.

          14.  CLIENT and CAPCO agree that CAPCO will have FULL RECOURSE against
               CLIENT  and  CLIENT  shall be liable to repay to CAPCO any amount
               paid by CAPCO to CLIENT in consideration for the sale,  transfer,
               and assignment of Accounts.

          15.  All Accounts shall be the sole property of CAPCO,  but if for any
               reason a payment owing on said Accounts  shall be paid to CLIENT;
               CLIENT shall  promptly  notify CAPCO of such payment,  shall hold
               any  check,  draft  or  money so  received  in trust  and for the
               benefit of CAPCO, and shall pay over such check or draft in-kind,
               or money,  to CAPCO promptly and without  delay.  All of CLIENT's
               invoices  shall  bear the  address  of a Lock Box  acceptable  to
               CAPCO;  as the "REMIT TO"  address,  and CLIENT  agrees  that ALL
               remittances for payment on ALL Accounts shall be made to the Lock
               Box or other repository authorized in writing by CAPCO.

          16.  CLIENT  will  furnish   CAPCO   periodic   statements,   accounts
               receivable agings,  journals, bank records, and other information
               as requested by CAPCO from time to time.

          17.  CLIENT  will not pledge the credit of CAPCO to any other  person,
               or business for any purpose whatsoever.

          18.  CLIENT  is  properly  licensed  and  authorized  to  operate  the
               business  of XRG,  Inc.,  under the trade name of , and  CLIENT'S
               trade name has been  properly  filed and published as required by
               the laws of the State of Delaware.

          19.  CLIENT'S business is solvent.

          20.  CLIENT will not sell Accounts,  or pledge  Accounts to any party,
               except to CAPCO for the period of this Agreement  unless specific
               Accounts are subordinated and released by CAPCO in writing.

          21.  CLIENT will not transfer,  pledge, or give a security interest of
               the  Assets  sold or  Collateral  granted  to CAPCO to any  other
               party.

          22.  CLIENT will not change,  or modify the terms of the original sold
               and assigned Account with Customer unless CAPCO first consents to
               such change in writing. CAPCO agrees to provide a prompt response

<PAGE>

               to CLIENT request for  modification  or change with respect to an
               Assigned Account. For example,  CLIENT may not extend credit to a
               Customer  beyond Net 30 days or the time set forth on the face of
               the sold and Assigned  Account without prior written consent from
               CAPCO .

          23.  NOTICE  OF  DISPUTE:  CLIENT  must  immediately  notify  CAPCO of
               Customer  Disputes  greater  than  $400.00  in total  for any one
               Customer.

          24.  POWER OF ATTORNEY: In order to carry out this Agreement and avoid
               unnecessary   notification  of  Customers.   CLIENT   irrevocably
               appoints CAPCO, or any person designated by CAPCO, as its special
               attorney in fact, or agent, with power to:

          a. strike out CLIENT'S address on all Accounts mailed to Customers and
          put on CAPCO 's address.
          b. receive, direct and forward, open, and
          dispose of all mail addressed to CLIENT, or to CLIENT'S fictitious
          trade name via CAPCO's address.
          c. endorse the name of CLIENT, or CLIENT'S fictitious trade name on
          any checks or other evidences of payment that may come into the
          possession of CAPCO on Accounts purchased by CAPCO and on any other
          documents relating to any of the Accounts or to assigned Collateral.
          d. in CLIENT'S name, or otherwise, demand, sue for, collect, and give
          release for any and all monies due, or to become due on Accounts sold
          and assigned hereunder.
          e. do any and all things necessary and proper
          to carry out the purpose intended by this Agreement.
          f. execute any documents necessary to perfect or to continue any
          Security Interest and without further authorization from CLIENT file a
          carbon, photograph, facsimile, or other reproduction of any financing
          statement for use as a financing statement The authority granted CAPCO
          shall remain in full force and effect until all Accounts are paid in
          full and any indebtedness of CLIENT to CAPCO is discharged.

       CAPCO COVENANTS:
       ----------------

          25.  CAPCO reserves the sum of ($10,000,000.00) Ten Million and 00/100
               for the  purchase  of ALL of CLIENT's  Accounts.  These funds are
               available  daily at CLIENT'S  option,  subject to  restriction as
               governed  by the  Advance  Formula.  Daily  availability  will be
               communicated  to  CLIENT  via  CAPCO'S   Availability  /  Advance
               Request.

          26.  This  Agreement  shall have an initial term ending with the first
               full (12) Twelve calendar months and unless  terminated by either
               party giving not less than thirty (30) days prior written notice.

          27.  STATEMENT OF Acceptable/Eligible  Accounts:  CAPCO shall identify
               in  writing  all  Acceptable/Eligible  Accounts  and  provide  to
               CLIENT,  upon request,  a written statement thereof (Weekly Aging
               Report).

       ACCOUNTING & FEES:
       ------------------

          28.  Funds  advanced  by CAPCO to CLIENT  are  subject to daily fee of
               Greater Bay Bank N.A.  Prime Rate + 7.000% /360  (equivalent to a
               monthly discount fee of Greater Bay Bank N.A. Prime Rate + 7.000%
               /12) percent  calculated on the daily balance (as reported on the
               CLIENT Liability Detail Report) owing to CAPCO.  This period will
               usually be 1 calendar  day except for weekends and or weeks where
               holidays or other  non-operating  days prevent the fee from being
               taken on a daily basis.

          29.  CAPCO will provide to the CLIENT  daily,  via fax, an advance and
               availability  request.  This  report  must  be  acknowledged  and
               returned, via fax, to CAPCO no later than 11:30AM if a deposit or
               wire transfer is to be made the same date as the request form was
               issued to the CLIENT by CAPCO.

          30.  PAYMENT  PROCESSING:  All  payments  received  by  CAPCO  will be
               applied to  CLIENT's  Outstanding  Balance  daily  following  a 3
               (Three)  business  day  hold  to  allow  for the  application  of
               collected funds.

          31.  DISPUTED  ACCOUNT:  CLIENT will  immediately  notify CAPCO of any
               Account  subject  to a Customer  Dispute  (See  Paragraph  10 for
               definition)  of any kind  whatsoever  and said  Account  shall be
               removed as an Acceptable/Eligible Account.

          32.  INVOICING ERRORS: Mistaken, incorrect and/or erroneous invoicing,
               submitted by CLIENT to CAPCO may at CAPCO 's discretion be deemed
               a  Customer  Disputed  sold and  Assigned  Account  and  shall be
               removed as an Acceptable/Eligible Account.

       COLLATERAL:
       -----------

          33.  As Collateral for the payment of any  indebtedness  now owing, or
               in the future owing, by CLIENT to CAPCO,  CLIENT hereby grants to
               CAPCO a security interest in the following property:

                         a. See Exhibit A attached.
                            -----------------------

          34.  CLIENT will maintain such insurance  covering  CLIENT'S  business
               and/or the property of CLIENT's  Customers  as is  customary  for
               businesses similar to the business of CLIENT.
<PAGE>

          35.  CLIENT shall  complete any and all documents  required to provide
               CAPCO  a  perfected  security  interest/lien  in  the  Collateral
               pledged to CAPCO.

       DEFAULT:
       --------
       36. Any one or more of the following shall constitute an event of
          default:

          a. If CLIENT shall fail to pay any amount of indebtedness to
          CAPCO when owing;
          b. If CLIENT shall be in breach of any term,
          provision, Warranty, or representation under this Agreement, or any
          other agreement related hereto;
          c. If bankruptcy or insolvency
          proceedings shall be instituted by or against CLIENT.
          d. If the
          Collateral shall be attached, levied upon, seized in any legal
          proceeding, and not released within 5 working days thereof;
          e. If
          CLIENT shall cease doing business and there shall exist any
          indebtedness or commitments by CLIENT to CAPCO;
          f. Any Accounts,
          documents, statements, or other writings submitted by CLIENT to CAPCO
          prove false or inaccurate in any material respect;
          g. If CLIENT has
          contributed to, or aggravated Account debtor's problem, insolvency,
          and/or said Account debtor's ability and/or willingness to pay any
          Accounts;
          h. If any unpaid judgment or tax lien exists against CLIENT;
          i. If CAPCO with reasonable cause and in good faith determines that
          it's purchased asset or collateral is impaired for any reason
          whatsoever;
          j. Terminating prior to end of initial term;
          k. Any change
          in CLIENT's place of business, name, legal entity, corporate
          structure, record-keeping location, and/or as to any additional place
          of business, or expiration of any special license(s), or transfer of
          assets, or technology, to a third party, or proposed change in
          ownership in excess of twenty five percent, (25%), of outstanding
          shares.

       REMEDIES AFTER DEFAULT:
       -----------------------

          37.  In the event of any  default  CAPCO may do any one or more of the
               following:

          a. Declare any indebtedness secured hereby immediately
          due and payable;
          b. Increase the daily fee by five percent / 360 (equivalent to an
          increase in the monthly discount fee of 5.000% / 12).
          c. Notify any and all Customers and take possession of the Accounts
          and Collateral and collect any receivables or funds paid to CLIENT all
          without judicial process;
          d. Require CLIENT to assemble the Collateral
          and the records pertaining to receivables or other assets pledged as
          collateral, and make them available to CAPCO, at a place designated by
          CAPCO;
          e. Enter the premises of CLIENT and take possession of the
          Collateral and of the records pertaining to the receivables and any
          other Collateral;
          f. Grant extensions, compromise claims and settle
          receivables for less than face value, all without prior notice to
          CLIENT;
          g. Use, in connection with any assembly or disposition of the
          Collateral, any trademark, trade name, trade style, copyright, patent
          right or technical process used or utilized by CLIENT;
          h. Return any
          surplus realized to CLIENT after deduction of reasonable expenses,
          attorney's fees, attorney's fees on appeal, collection costs,
          independent third party auditors, incurred by CAPCO in resolving said
          default;
          i. Hold CLIENT liable for any deficiency.
          j. Establish a
          reserve from the collection of Accounts to meet reasonable legal
          expenses associated with a future defense resulting from an action
          brought against CAPCO by CLIENT, CLIENT's customer, or other third
          party, as a result of an action of default.
          k. Injunction against
          CLIENT taking any action with regard to the Accounts or Collateral.
          l.CAPCO is authorized by CLIENT to receive, direct and forward, open,
          and dispose of all mail addressed to CLIENT at any address used by
          CLIENT to receive mail.
<PAGE>

       GENERAL:
       --------

       38. After termination CLIENT remains fully responsible to CAPCO for any
          indebtedness existing, or which may yet arise in connection with
          Accounts that remain unpaid.
       39. If during the term hereof CLIENT fails to make any payment required,
          CAPCO may at its discretion pay the same and charge CLIENT therefore.
       40. CLIENT will not, under any circumstances, or in any manner
          whatsoever, interfere with any of CAPCO's rights under this Agreement.
       41. TAX COMPLIANCE: CLIENT will furnish CAPCO upon request satisfactory
          proof of payment and/or compliance with all Federal, State and/or
          Local tax requirements.
       42. NOTICE OF LEVY: CLIENT will promptly notify CAPCO of any attachment
          or any other legal process levied against CLIENT.
       43. LEGAL FEES: The losing party will pay any and all legal expenses and
          reasonable attorney's fees, paralegal fees, staff overtime expense,
          travel costs, costs on appeal, or other reasonable collection costs,
          that the prevailing party may incur as a result of either CLIENT or
          CAPCO enforcing this Agreement one against the other.
       44. HOLD HARMLESS: CLIENT shall hold CAPCO harmless against any
          liability, damages, loss, attorneys' fees and costs of any type due to
          any action by a Customer arising from CAPCO'S collecting or attempting
          to collect any Accounts so long as these collections are performed in
          a commercially reasonable manner and in compliance with all applicable
          laws, rules and regulations. CLIENT maintains the primary
          responsibility for collections efforts, until the occurrence of an
          event of default.
       45. BINDING ON FUTURE PARTIES: This Agreement inures to the benefit of
          and is binding upon the heirs, executors, administrators, successors
          and assigns of the parties thereto.
       46. CUMULATIVE RIGHTS: All rights, remedies and powers granted to CAPCO
          in this Agreement, or in any note, or other agreement given by CLIENT
          to CAPCO, are cumulative and may be exercised singularly or
          concurrently with such other rights as CAPCO may have. These rights
          may be exercised from time to time as to all or any part of the
          pledged Collateral as CAPCO in its discretion may determine.
       47. WRITTEN WAIVER: CAPCO may not waive its rights and remedies unless
          the waiver is in writing and signed by CAPCO. A waiver by CAPCO of a
          right, or remedy under this Agreement on one occasion is not a waiver
          of the right, or remedy on any subsequent occasion.
       48. WASHINGTON LAW: This Agreement shall be governed by and construed in
          accordance with the laws of the State of Washington. CLIENT hereby
          consents to the exclusive jurisdiction of the State of Washington in
          any dispute arising hereunder or related hereto. Venue for any actions
          shall be in King Co. Washington.
       49. INVALID PROVISIONS: If any provision of this Agreement shall be
          declared illegal or contrary to law, it is agreed that such provision
          shall be disregarded and this Agreement shall continue in force as
          though such provision had not been incorporated herein.
       50. ENTIRE AGREEMENT: This instrument contains the entire Agreement
          between the parties. Any addendum or modification hereto will be
          signed by both parties and attached hereto.
       51. EFFECTIVE: This Agreement becomes effective when it is accepted and
          executed by the authorized officers of CAPCO.
       52. Execution of this document may contain multiple signature pages; each
           shall be considered, when combined, as one signed and executed
           document.

       Executed the 31st day of January, 2005 at Clearwater, Florida.

<PAGE>

       XRG, Inc.

       By:_____________________________

       Title: ___________________________

       By:_____________________________

       Title: ___________________________

       CAPCO Financial Company- a division of Greater Bay Bank N.A.

       Accepted this _____ day of _____________, 200_, at Bellevue, Washington

       By:_________________________________________

       Title: ____________________________

<PAGE>

                                CONTRACT OF SALE
                               SECURITY AGREEMENT
                                    XRG, Inc.
                                   EXHIBIT "A"

     All personal property,  now owned or hereafter acquired,  including without
     limitation   accounts,   contract   rights,   chattel   paper,   documents,
     instruments,  deposit  accounts,  investment  property,  letters of credit,
     commercial tort claims, general intangibles, inventory, raw materials, work
     in progress,  finished  goods,  equipment,  accessions,  substitutions  and
     accessions, and proceeds (cash and non-cash) including, without limitation,
     insurance proceeds, thereof.

<PAGE>

                                  AMENDMENT # 1
                  TO CAPCO CONTRACT OF SALE SECURITY AGREEMENT

                                January 31, 2005

         CLIENT COVENANTS:
         Paragraph 13c as follows:

           There are no known setoffs, Customer Disputes, adverse claims,
           defenses, and/or liens whatsoever against the payment of Accounts,
           and Account's mechanic's liens have not been previously assigned or
           encumbered by CLIENT in any manner whatsoever. CLIENT will,
           immediately upon sale of Accounts to CAPCO make proper entries on its
           books and records disclosing the absolute sale of Accounts to CAPCO
           and CLIENT will post no payment unless it is reflected in a payment
           report from CAPCO .

         Is replaced by:

           Other than those previously disclosed, there are no known setoffs,
           Customer Disputes, adverse claims, defenses, and/or liens whatsoever
           against the payment of Accounts, and Account's mechanic's liens have
           not been previously assigned or encumbered by CLIENT in any manner
           whatsoever. CLIENT will, immediately upon sale of Accounts to CAPCO
           make proper entries on its books and records disclosing the absolute
           sale of Accounts to CAPCO and CLIENT will post no payment unless it
           is reflected in a payment report from CAPCO .

         DEFAULT:
         Paragraph 36b as follows:

           If CLIENT shall be in breach of any term, provision, Warranty, or
           representation under this Agreement, or any other agreement related
           hereto;

         Is replaced by:

           If CLIENT shall be in breach of any material term, provision,
           Warranty, or representation under this Agreement, or any other
           agreement related hereto;

         DEFAULT:
         Paragraph 36h as follows:

           If any unpaid judgment or tax lien exists against CLIENT;

         Is replaced by:

           If any unpaid judgment or tax lien exists against CLIENT in excess
           of $25,000;

<PAGE>

         This amendment is effective and applicable to invoices purchased on or
         after January 31, 2005. All other terms, covenants and conditions will
         remain in effect and unchanged.

         XRG, Inc.

         By:_____________________________

         Title: ___________________________

         By:_____________________________

         Title: ___________________________

         CAPCO Financial Company- a division of Greater Bay Bank N.A.

         Accepted this _____ day of _____________, 200_, at Bellevue, Washington

         By:_________________________________________

         Title: ____________________________

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