Document:

REAFFIRMATION AND RATIFICATION AGREEMENT

                                                              May 2, 2006
Laurus Master Fund, Ltd.
c/o Laurus Capital Management, LLC
825 Third Avenue
New York, New York 10022

Ladies and Gentlemen:

      Reference  is made to the (a) Amended  and  Restated  Security  Agreement,
dated as of May 2, 2006 between Pacific CMA, Inc., a Delaware  corporation  (the
"Company"), Pacific CMA International, LLC, a Colorado limited liability company
("International"),  Airgate  International  Corporation,  a New York corporation
("Airgate"),   Airgate   International   Corporation   (Chicago),   an  Illinois
corporation  ("Airgate Chicago"),  and Paradigm  International,  Inc., a Florida
corporation  ("Paradigm",  and together with International,  Airgate and Airgate
Chicago,  the  "Subsidiaries")  in favor of Laurus  Master Fund,  Ltd., a Cayman
Islands company  ("Laurus") (as amended,  modified or supplemented  from time to
time, the "Security  Agreement"),]  (b) Stock Pledge  Agreement dated as of July
29,  2005  made by the  Company  in favor of Laurus  (as  amended,  modified  or
supplemented  from time to time,  the "Stock  Pledge  Agreement")  (the Security
Agreement and the Stock Pledge Agreement,  collectively,  the "Existing Security
and Guaranty Agreements").

      To induce Laurus to provide  additional  financial  accommodations  to the
Company  evidenced by (i) that certain Secured  Convertible Note, dated the date
hereof,  made by the  Company  in favor  of  Laurus  (as  amended,  modified  or
supplemented  from time to time, the "New Laurus  Convertible  Note"),  (ii) the
Revolving  Note referred to in the Security  Agreement (as amended,  modified or
supplemented  from time to time,  the "New Laurus  Revolving  Note"),  (iii) the
Ancillary Agreements referred to in, and defined in, the Security Agreement (the
agreements  set forth in the  preceding  clauses (i) through  (iii),  inclusive,
collectively,  the "New  Laurus  Agreements,  the  Company  and each  Subsidiary
hereby:

            (a)  represents  and  warrants  to Laurus that it has  reviewed  and
approved the terms and  provisions of each of the New Laurus  Agreements and the
documents, instruments and agreements entered into in connection therewith;

            (b)  acknowledges,  ratifies  and  confirms  that  all  indebtedness
incurred by, and all other  obligations  and liabilities of, each of the Company
and  each  Subsidiary   under  each  of  the  New  Laurus   Agreements  are  (i)
"Indebtedness"  under,  and as defined in, the Stock  Pledge  Agreement  and (i)
"Obligations" under, and as defined in the Security Agreement;

            (c) acknowledges,  ratifies and confirms that each of the New Laurus
Agreements  are  "Documents"  under,  and as defined  in,  each of the  Security
Agreement and the Stock Pledge Agreement;

<PAGE>

            (d)  acknowledges,  ratifies  and  confirms  that all of the  terms,
conditions, representations and covenants contained in the Existing Security and
Guaranty  Agreements are in full force and effect and shall remain in full force
and effect after giving effect to the execution and effectiveness of each of the
New Laurus Agreements;

            (e)  represents  and  warrants  that no  offsets,  counterclaims  or
defenses  exist as of the date hereof with  respect to any of the  undersigned's
obligations under any Existing Security and Guaranty Agreement; and

            (f)  acknowledges,  ratifies  and confirms the grant by the Company,
and each Subsidiary to Laurus of a security interest in the assets of (including
the equity interests owned by) the Company and each Subsidiary, respectively, as
more specifically set forth in the Existing Security and Guaranty Agreements.

            [The remainder of this page is intentionally left blank]

                                       2
<PAGE>

     This letter agreement shall be governed by and construed in accordance
                    with the laws of the State of New York.

                                          Very truly yours,

                                          PACIFIC CMA, INC.

                                          By: /s/ Alfred Lam
                                              ----------------------------------
                                          Name: Alfred Lam
                                          Title: Chairman/CEO
                                          Address:

                                          PACIFIC CMA INTERNATIONAL, LLC

                                          By: /s/ Alfred Lam
                                              ----------------------------------
                                          Name: Alfred Lam
                                          Title: Chairman/CEO
                                          Address:

                                          AIRGATE INTERNATIONAL CORPORATION

                                          By: /s/ Alfred Lam
                                              ----------------------------------
                                          Name: Alfred Lam
                                          Title: Chairman/CEO
                                          Address:

                                          AIRGATE INTERNATIONAL CORPORATION
                                         (CHICAGO)

                                          By: /s/ Alfred Lam
                                              ----------------------------------
                                          Name: Alfred Lam
                                          Title: Chairman/CEO
                                          Address:

                                       3
<PAGE>

                                          PARADIGM INTERNATIONAL, INC.

                                          By: /s/ Alfred Lam
                                              ----------------------------------

                                          Name: Alfred Lam
                                          Title: Chairman/CEO
                                          Address:

Acknowledged and Agreed to by:

LAURUS MASTER FUND, LTD.

By: /s/ David Grin
   ---------------------------
     Name: David Grin
     Title: Director

                                       4FORM
      OF UNSECURED CONVERTIBLE PROMISSORY NOTE

     

     

    THIS
      NOTE AND THE SECURITIES REPRESENTED HEREBY HAVE NOT BEEN REGISTERED UNDER THE
      SECURITIES ACT OF 1933, AS AMENDED, AND MAY NOT BE OFFERED, SOLD, ASSIGNED
      OR
      TRANSFERRED, IN THE ABSENCE OF AN EFFECTIVE REGISTRATION STATEMENT UNDER SAID
      ACT OR UNLESS THE COMPANY HAS RECEIVED AN OPINION OF COUNSEL REASONABLY
      SATISFACTORY TO THE COMPANY THAT REGISTRATION UNDER SAID ACT IS NOT REQUIRED.
      

     

     

    UNSECURED
      CONVERTIBLE PROMISSORY NOTE

     

    (“Note”)

     

    
      	Principal Amount:	
              Columbus,
                Ohio

            
	$ ____,000	
              ________,
                2006

            

    

    
 

    FOR
      VALUE
      RECEIVED, the undersigned, FIIC
      HOLDINGS, INC.,
      a
      Delaware corporation (the “Maker”),
      promises to pay to the order of _____________, an individual (the “Holder”),
      at
      _____________________________, or at such other place as Holder may designate
      in
      writing, the principal amount of _______ Thousand ($___,000) in lawful money
      of
      the United States of America, in local funds, plus simple interest thereon
      from
      the date hereof on the aggregate unpaid principal amount until such amount
      is
      paid in full at the annual rate of Eight percent (8.0%) (calculated on the
      basis
      of a 365 or 366 day year as applicable and actual days elapsed or until the
      Note
      is converted as provided below). Principal amount and accrued interest shall
      be
      due and payable on or before ____________, 200_ (the “Due Date”). All payments
      on or in respect of this Note or the indebtedness evidenced hereby shall be
      made
      to Holder without set-off or counterclaim and free and clear of and without
      any
      deductions of any kind.

     

    The
      entire amount of outstanding principal and accrued interest on this Note shall
      be convertible at any time at the Option of the Holder and shall automatically
      convert into shares of the Maker’s Common Stock at the close of the Maker’s next
      equity financing, whether in a single transaction or a series of related
      transactions, yielding gross proceeds to the Maker of at least $2,000,000 in
      the
      aggregate (the “Next
      Equity Financing”).
      The
      number of shares of Common Stock to be issued upon such conversion shall be
      equal to the quotient obtained by dividing (i) the entire principal amount
      of this Note plus accrued interest by (ii) a $0.50 price per share of the
      Common Stock, rounded to the nearest whole share. If automatically converted,
      the issuance of such shares upon such conversion shall be upon the terms and
      subject to the conditions applicable to the Next Equity Financing. 

     

    Upon
      any
      conversion as set forth above, the Note shall cease to represent the
      indebtedness of the Maker stated therein and the sole right of the Holder shall
      be to receive certificates evidencing the Common Stock to which the Holder
      is
      entitled. Upon any such conversion, the Holder agrees to promptly surrender
      to
      the Maker this Note. Fractional shares shall not be issued and fractions shall
      be settled in cash based upon the Purchase Price or the price per share of
      the
      Common Stock, as the case may be.

     

    
      
         

      

      
         

        
          

        

      

      
         

      

    

    Prepayment
      of the total amount of principal and accrued interest due on this Note is
      permitted and without penalty; however, prepayment of less than the total amount
      of principal and accrued interest due on this Note is not permitted without
      the
      express written consent of the Holder is not permitted. 

     

    The
      Maker
      will take all necessary corporate action and obtain all necessary government
      consents and approvals to authorize the issuance of this Note and, prior to
      the
      conversion hereof, the shares of Common Stock issuable upon conversion of this
      Note. If, at any time, the number of authorized but unissued shares of the
      Maker's Common Stock shall be insufficient to effect the conversion of this
      Note, then the Maker will take such corporate action as may be necessary to
      increase its authorized but unissued shares to such number as shall be
      sufficient for such purpose. 

     

    All
      Common Stock issued upon the conversion of this Note shall be validly issued,
      fully paid and non assessable.

     

    This
      Note
      does not by itself entitle the Holder to any voting rights or other rights
      as a
      shareholder of the Maker. In the absence of conversion of this Note, no
      provisions of this Note, and no enumeration herein of the rights or privileges
      of the holder, shall cause such holder to be a stockholder of the Maker for
      any
      purpose.

     

    The
      Holders acknowledges that this Note and the Common Stock issuable upon its
      conversion have not been registered or qualified under federal or state
      securities laws. 

     

    It
      is
      understood that the term, “Holder,”
as
      used herein, includes any successor thereto. The rights and obligations of
      the
      Maker and the Holder shall be binding upon and benefit the successors and
      assigns, heirs, administrators and transferees of the parties.

     

    The
      Maker
      and all endorsers, sureties and guarantors, jointly and severally, waive all
      presentments, demands for performance, notices of nonperformance, protests,
      notices of protest and notices of dishonor in connection with the delivery,
      acceptance, performance and enforcement of this Note.

     

    This
      Note
      is made in accordance with and shall be construed under the laws of the State
      of
      California (without giving effect to the conflict of law principles
      thereof).

     

    The
      Maker
      agrees to pay all costs of collection of any amounts due hereunder when
      incurred, including, without limitation, reasonable attorneys’ fees and
      expenses.

     

    This
      Note
      is executed as of the date set forth above.

     

    

    
      	 	 	 
	 	MAKER:
              FIIC HOLDINGS, INC.
	 
 	 
 	 
 
	 	By:  	 
	 	
              

              James
                W. France, 

              President
                and Chief Executive Officer

              1585
                Bethel Road, 1st
                Floor

              Columbus,
                Ohio 43220

            
	 	 

    

     

     

    
      
         

      

      
        -2-

        
          

        

      

      
         

      

    

    

     

    AGREED
      TO AND ACCEPTED:

    

    HOLDER:
      

    

    

    By:
      ___________________________

     

    Name:
      _________________________

     

    Title:
      __________________________

    

    Address:_______________________

     

                   
      _______________________

     

                   
      _______________________

     

    
 

    
      
         

      

      
        -3-

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