Document:

LOAN
      AGREEMENT

    

    THIS
      AGREEMENT
      is
      entered into this 28 day of November, 2007, by and between World
      Group Shipping Ltd. , whose address is 3 Hayetzira St, Ramat Gan, Israel,
      (“Lender”) 

    and
      231
      Norman Avenue LLC, whose address is 231 Norman Avenue, Brooklyn, New York 11213
      (“Borrower 1”) and DCI USA, Inc. (“Borrower 2”) (Borrower 1 and Borrower 2
      referred to collectively as “Borrowers”). 

    

    Recitals

    

    WHEREAS,
      Borrowers desires to borrow One Million Dollars (“the Loan Funds”).

    

    WHEREAS,
      Lender
      desires to loan Borrowers the Loan Funds based upon the terms set forth
      herein.

    

    NOW,
      THEREFORE,
      in
      consideration of the mutual promises and covenants herein
      contained, and for other good and valuable consideration, the parties agree
      as
      follows:

    

    Agreement

    

    1. 
      Loan Amount.
      Lender
      shall loan Borrowers the Loan Funds on December 3, 2007 (“the Closing Date”).
      The loan shall bear interest at 1.5% per month. The term of the loan shall
      be
      for 6 months (“the Term”) whereupon Borrowers shall pay to Lender all principle
      and accrued interest in U.S. dollars in one lump sum at a place in the U.S.
      or
      Israel provided by the Lender in writing. The Lender shall have the option
      to
      extend the loan term for up to one year beyond the Term (“the Extended Term”) on
      the same terms and conditions as were in effect for the Term. Each of the
      Borrowers shall be jointly and severably liable for the Loan Funds.

    

    2.
      Promissory Note.
      Borrowers shall each execute a promissory note in the form as attached here
      to
      as Attachment 2 evidencing this transaction (“the Promissory
      Note”).

    

    3.
      Option to Purchase Units.
      Borrowers represent to the Lender that Borrower 1 owns a 30% interest in the
      membership interests (“the NAPD Membership Interests”) of 231 Norman Avenue
      Property Development, LLC (“231 NAPD”), which in turn owns a 100% interest in
      the building and premises located at 231 Norman Avenue, Brooklyn, NY 11222
      (“the
      Premises”). Borrower 2 owns a 100% interest in Borrower 1 (“the NA Membership
      Interests”). The Premises include 68 individual commercial condominium units
      (“the Units”) which are currently listed for sale. The Premises have been newly
      renovated and 231 NAPD is processing its application for a certificate of
      occupancy.

    

    The
      parties understand that Borrower 1 might acquire a right to a distribution
      of
      its share of the unsold Units. 

    

    Borrowers
      hereby grants to Lender for good and valuable consideration an option to
      purchase any of the Units distributed to Borrower 1 at a price equal to 20%
      less
      than the then current market price (“Units Option”). The Units Option shall
      remain extant and valid until either (a) six months from the effective date
      of
      this Agreement or (b) the Loan Funds and any accrued interest are fully repaid,
      whichever period is longer. Lender shall have a first priority claim to all
      distributions by 231 NAPD to Borrower 1 until the Loan Funds are repaid in
      full.

     

    
      
        
        

      

      
        1

        
          

        

      

      
        
        

      

    

     

    4.
      Option to Purchase Membership Interests. Borrowers
      hereby grant to Lender for good and valuable consideration an option, at
      Lender’s discretion, either (a) to purchase the NAPD Membership Interests for
      $2,000,000 or (b) to purchase the NA Membership Interests for $2,000,000 (“the
      Membership Interests Option”), which shall remain extant and valid until either
      (a) six months from the effective date of this Agreement or (b) the Loan Funds
      and any accrued interest are fully repaid, whichever period is longer. Lender
      is
      aware that the NAPD Membership Interests are currently pledged to Harlem Suites,
      LLC, which owns 50% of 231 NAPD to secure the obligations of Borrower and other
      parties.

    .

    5.
      The Closing Date. The
      closing of this transaction shall take place at New York, NY (“the
      Closing”).

    

    6.
      Authorizations.
      Borrower
      1 represents that it is a single-asset and single-purpose limited liability
      company and that it has no debts or obligations not directly related to the
      Premises and that it has the authority to enter into this transaction. Borrower
      2 represents that upon a decision of its board of directors, which shall be
      taken prior to the Closing, that it has the authority to consummate this
      transaction. A copy of the resolution of the board of directors of Borrower
      2
      authorizing this transaction shall be provided to Lender prior to the Closing.
      

    

    7.
      UCC Filing.
      The
      parties agree that Lender shall have the right to file a UCC filing setting
      forth the Membership Interest Option and the Borrowers agree to execute any
      and
      all documents to effectuate same.

    

    8.
      Jurisdiction; Choice of Law.
      The
      parties agree to be subject to the jurisdiction of the State of New York and
      that the enforceability and interpretation of this Agreement shall be governed
      by the laws of the State of New York.

    

    9. Binding
      Agreement; Modification; Arbitration.
      This
      Agreement shall be binding upon the parties, their heirs, personal
      representatives, successors and assigns and shall represent the full and
      complete agreement between the parties superseding any prior agreements or
      understandings. No amendments or modifications of this Agreement shall be
      binding upon the parties unless in writing and signed by all of the parties.
      Any
      disputes arising out of this Agreement shall be subject to binding arbitration
      pursuant to the rules of the Arbitration Association of New York or similarly
      situated organization selected by the Lender.

    

    10.
      Initiation Fee
      -
      Borrower shall pay Lender the sum of $8,000 upon receipt of the Loan as
      Initiation Fee. Lender shall provide an invoice on such amount.

    

    IN
      WITNESS WHEREOF,
      the
      parties have executed this Agreement effective as of the day and year first
      above written.

    

    

    

    
      	
              Borrower:

               

               

              /s/ Marc Narboni______

              Name: Marc Narboni

              Title: CEO

            	
               Lender:

               

               

              /s/ World Group Shipping Ltd.

              Name: World Group Shipping Ltd.

              Title:

            

    

    

    
      
        
        

      

      
        2Attachment
      1

    Form
      of

    PROMISSORY
      NOTE

    

    
      	
              NEW
                YORK, NEW YORK

            	
              December
                12th,
                2007

            

    

    

    $1,000,000.00 

    

    FOR
      VALUE RECEIVED, 231
      Norman Avenue, LLC, having an address at 231 Norman Avenue, Brooklyn, NY 11222
      ("Maker"), hereby covenants and promises to pay to World Group Shipping Ltd.,
      an
      Israeli limited liability company, having an address at 3 Hayetzira St, Ramat
      Gan, Israel (“Payee"), or order, at Payee's address first above written or at
      such other address as Payee may designate in writing, One Million US Dollars
      ($1,000,000.00), lawful money of the United States of America, together with
      interest thereon computed at the rate of Eighteen percent (18%) per annum,
      on an
      actual day/360 day basis (i.e., interest for each day during which any of the
      principal indebtedness is outstanding shall be computed at the aforesaid rate
      divided by 360) on May 28th,
      2008.

    

    Maker
      covenant and agree with Payee as follows:

    

    1.
      Maker
      will pay the indebtedness evidenced by this Note as provided
      herein.

    

    2.
      In the
      event any payment due hereunder shall not be paid within five (5) days of the
      date when due, such payment shall bear interest a rate equal to the lesser
      of
      twenty-four (24%) per cent per annum, or the highest lawful rate permitted
      under
      applicable Law, from the date when such payment was due until paid. In addition,
      Maker shall pay a late payment premium of 6 percent of any principal or interest
      payment made more than 5 (five) days after the due date thereof, which premium
      shall be paid with such late payment. The
      obligations of Maker under this Note are subject to the limitation that payments
      of interest shall not be required to the extent that the charging of or the
      receipt of any such payment by the holder of this Note would be contrary to
      the
      provisions of law applicable to the holder of this Note limiting the maximum
      rate of interest which may be charged or collected by the holder of this
      Note.

    

    3.
      The
      holder of this Note may declare the entire unpaid amount of principal and
      interest under this Note to be immediately due and payable if Maker defaults
      in
      the due and punctual payment of any installment of principal or interest
      hereunder. 

     

    
      
        
        

      

      
        1

        
          

        

      

      
        
        

      

    

     

    4.
      Maker
      shall have the right to prepay the indebtedness evidenced by this Note, in
      whole
      or in part, without penalty, upon ten days prior written notice to Payee. The
      installment payments provided for herein shall continue without change after
      any
      such prepayment.

    

    5.
      Maker,
      and all guarantors, endorsers and sureties of this Note, hereby waive
      presentment for payment, demand, protest, notice of protest, notice of
      nonpayment, and notice of dishonor of this Note. Maker and all guarantors,
      endorsers and sureties consent that Payee at any time may extend the time of
      payment of all or any part of the indebtedness secured hereby, or may grant
      any
      other indulgences.

    

    6.
      Any
      notice or demand required or permitted to be made or given hereunder shall
      be
      deemed sufficiently made and given if given by personal service or by Federal
      Express courier or by the mailing of such notice or demand by certified or
      registered mail, return receipt requested, with postage prepaid, addressed,
      if
      to Maker, at Maker’s address first above written, or if to Payee, at Payee's
      address first above written. Either party may change its address by like notice
      to the other party.

    

    7.
      This
      Note may not be changed or terminated orally, but only by an agreement signed
      by
      the party against whom enforcement of any change, modification, waiver, or
      discharge is sought. This Note shall be construed and enforced in accordance
      with the laws of New York.

    

    IN
      WITNESS WHEREOF, Maker
      has
      executed this Note on the date first above written.

    

    ___________________________________

    

    

    By
      /s/
      Marc Narboni     

    Name:
      Marc Narboni

    Title
      CEO

    

    
      
        
        

      

      
        2

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