Document:

Amendment
                to Credit Agreement

            

    

    

    This
      agreement is dated as of December 1, 2005, by and between Mace Security
      Products, Inc. (the
      "Borrower")
      and
      JPMorgan Chase Bank, N.A. as successor by merger to Bank One, NA with its main
      office in Chicago, IL (the "Bank"), and its successors and assigns. The
      provisions of this agreement are effective on the date that this agreement
      has
      been executed by all of the signers and delivered to the Bank (the "Effective
      Date").

    

    WHEREAS,
      the
      Borrower and the Bank entered into a credit agreement dated December 31, 2003,
      as amended (if applicable) (the "Credit Agreement"); and

    

    WHEREAS,
      the
      Borrower has requested and the Bank has agreed to amend the Credit Agreement
      as
      set forth below;

    

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

    

    	1.          
             	
            DEFINED
              TERMS.
              Capitalized terms not defined herein shall have the meaning ascribed
              in
              the Credit Agreement.

          

    

    	2.          
             	
            MODIFICATION
              OF CREDIT AGREEMENT.
              The Credit Agreement is hereby amended as follows:
              

          

    

    	2.1        
             	
            From
              and after the Effective Date, Section 1 of the Credit Agreement, captioned
              “Credit Facilities” is hereby amended and restated as follows:
              

          

    

    	1.1            
             	
            Scope.
              This agreement governs Facility A, and, unless otherwise agreed to
              in
              writing by the Bank and the Borrower or prohibited by applicable law,
              governs the Credit Facilities as defined
              below.

          

    

    	1.2            
             	
            Facility
              A (Line of Credit).
              The Bank has approved a credit facility to the Borrower in the principal
              sum not to exceed $500,000.00 in the aggregate at any one time outstanding
              ("Facility A"). Credit under Facility A shall be repayable as set forth
              in
              a Line of Credit Note dated December 15, 2002, and any renewals,
              modifications, extensions, rearrangements, restatements thereof and
              replacements or substitutions therefore. The proceeds of Facility A
              shall
              be used for the following purpose: working
              capital.

          

    

    	2.2           	
            From
              and after the Effective Date, Section 2.4 of the Credit Agreement,
              captioned “Account” is hereby deleted.

          

    

    	2.3           	
            From
              and after the Effective Date, Section 2.8 of the Credit Agreement,
              captioned “Eligible Accounts” is hereby
              deleted.

          

    

    	2.4           	
            From
              and after the Effective Date, Section 2.9 of the Credit Agreement,
              captioned “Eligible Inventory” is hereby
              deleted.

          

    

    	2.5           	
            From
              and after the Effective Date, Section 2.10 of the Credit Agreement,
              captioned “Inventory” is hereby deleted.

          

    

    	2.6           	
            From
              and after the Effective Date, Section 4.5 A of the Credit Agreement
              is
              hereby deleted.

          

    

    
      
         

      

      
         

        
          

        

      

      
         

      

       

    

    	2.7           	
            From
              and after the Effective Date, Section 4.5 B of the Credit Agreement
              is
              hereby deleted.

          

    

    	2.8           	
            From
              and after the Effective Date, Section 4.5 H of the Credit Agreement
              is
              hereby deleted.

          

    

    	2.9           	
            From
              and after the Effective Date, Section 4.5 I of the Credit Agreement
              is
              hereby deleted.

          

    

    	3.         
              	
            RATIFICATION.
              The Borrower ratifies and reaffirms the Credit Agreement and the Credit
              Agreement shall remain in full force and effect as modified
              herein.

          

    

    	4.         
              	
            BORROWER
              REPRESENTATIONS AND WARRANTIES.
              The Borrower represents and warrants that (a) the representations and
              warranties contained in the Credit Agreement are true and correct in
              all
              material respects as of the date of this agreement, (b) no condition,
              act
              or event which could constitute an event of default under the Credit
              Agreement or any promissory note or credit facility executed in reference
              to the Credit Agreement exists, and (c) no condition, event, act or
              omission has occurred, which, with the giving of notice or passage
              of
              time, would constitute an event of default under the Credit Agreement
              or
              any promissory note or credit facility executed in reference to the
              Credit
              Agreement.

          

    

    	5.            	
            FEES
              AND EXPENSES.
              The Borrower agrees to pay all fees and out-of-pocket disbursements
              incurred by the Bank in connection with this agreement, including legal
              fees incurred by the Bank in the preparation, consummation, administration
              and enforcement of this agreement.

          

    

    	6.            	
            EXECUTION
              AND DELIVERY.
              This agreement shall become effective only after it is fully executed
              by
              the Borrower and the Bank.

          

    

    	7.            	
            ACKNOWLEDGEMENTS
              OF BORROWER.
              The Borrower acknowledges that as of the date of this agreement it
              has no
              offsets with respect to all amounts owed by the Borrower to the Bank
              arising under or related to the Credit Agreement on or prior to the
              date
              of this agreement. The Borrower fully, finally and forever releases
              and
              discharges the Bank and its successors, assigns, directors, officers,
              employees, agents and representatives from any and all claims, causes
              of
              action, debts and liabilities, of whatever kind or nature, in law or
              in
              equity, of the Borrower, whether now known or unknown to the Borrower,
              which may have arisen in connection with the Credit Agreement or the
              actions or omissions of the Bank related to the Credit Agreement on
              or
              prior to the date hereof. The Borrower acknowledges and agrees that
              this
              agreement is limited to the terms outlined above, and shall not be
              construed as an agreement to change any other terms or provisions of
              the
              Credit Agreement. This agreement shall not establish a course of dealing
              or be construed as evidence of any willingness on the Bank's part to
              grant
              other or future agreements, should any be
              requested.

          

    

    	8.            	
            NOT
              A NOVATION.
              This agreement is a modification only and not a novation. Except for
              the
              above-quoted modification(s), the Credit Agreement, any loan agreements,
              credit agreements, reimbursement agreements, security agreements,
              mortgages, deeds of trust, pledge agreements, assignments, guaranties,
              instruments or documents executed in connection with the Credit Agreement,
              and all the terms and conditions thereof, shall be and remain in full
              force and effect with the changes herein deemed to be incorporated
              therein. This agreement is to be considered attached to the Credit
              Agreement and made a part thereof. This agreement shall not release
              or
              affect the liability of any guarantor of any promissory note or credit
              facility executed in reference to the Credit Agreement or release any
              owner of collateral granted as security for the Credit Agreement. The
              validity, priority and enforceability of the Credit Agreement shall
              not be
              impaired hereby. To the extent that any provision of this agreement
              conflicts with any term or condition set forth in the Credit Agreement,
              or
              any document executed in conjunction therewith, the provisions of this
              agreement shall supersede and control. The Bank expressly reserves
              all
              rights against all parties to the Credit
              Agreement.

          

    

    
      
        2

      

      
         

        
          

        

      

      
         

      

    

     

    THIS
      AGREEMENT REPRESENTS THE FINAL AGREEMENT OF THE PARTIES AND MAY NOT BE
      CONTRADICTED BY EVIDENCE OR PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT ORAL
      AGREEMENTS OF THE PARTIES. 

     

    THERE
      ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES.

    

    
      	 	
              Borrower:

            
	 	 	
              Mace
                Security Products, Inc.

            
	 	 	
              By:

            	
              /s/
                Gregory M. Krzemien

            
	 	 	 	
              Gregory
                M. Krzemien

            	
              Treasurer

            
	 	 	 	
              Printed
                Name

            	
              Title

            
	 	 	
              Date
                Signed:

            	
              12/06/05

            

    

    

    
      	 	 	
              Bank:

            
	 	 	
              JPMorgan
                Chase Bank, N.A.

            
	 	 	
              By:

            	
              /s/
                Mark W. Warren

            
	 	 	 	
              Mark
                W. Warren

            	
              Senior
                Vice President

            
	 	 	 	
              Printed
                Name

            	
              Title

            
	 	 	
              Date
                Signed:

            	
              12/20/05

            

    

     

     

    
      
        3EXHIBIT 10.1

          [LOGO]
Member of NASD, MSRB and SIPC
 EMPIRE FINANCIAL GROUP, INC.
14 East 60 Street, 2nd Floor
       NY, NY 10022
       646-329-7007
       973-277-3634

June 16, 2006

Mr. Donald Robbins
Chief Executive Officer
C.S.M.G. Technologies Inc.
501 North Shoreline Drive Suite 701
North Corpus Christi, TX 78471

Re:   Proposed Firm Commitment Public Offering

Dear Mr. Robbins:

We are pleased to submit the following proposal with respect to a firm
commitment public offering by C.S.M.G. Technologies, Inc. ("the Company") of its
tissue welding technology "Live Tissue Connect, Inc.", "LTC" for a minimum of
$5,000,000, the price of which shall be determined by the market price prior to
the Effective Date of the offering closing. This letter states certain
conditions and assumptions upon the proposed offering by Empire Financial Group
(EFH). It is our intent, immediately prior to the Effective Date, to enter into
a "Firm Commitment" Underwriting Agreement with C.S.M.G. Technologies, Inc. The
Underwriting Agreement shall provide that the Underwriter shall be committed to
take and pay for all of the Shares, if any are purchased. The Underwriting
Agreement and related agreements shall contain such terms and conditions as are
customarily contained in agreements of such character and among other things,
provide for the following:

      a)    An underwriting discount of nine percent (9%) of the amount raised
            in the offering.

      b)    The sale to EFH and/or its designees, at the time of the closing of
            the offering specified in the Underwriting agreement (the "Closing
            Date") warrants (the "Underwriter's Warrants") to purchase that
            aggregate number of shares as would be equal to five (5%) of the
            total number of shares sold pursuant to the public offering. Neither
            the Underwriter's Warrants nor any of the securities underlying the
            Underwriter's Warrants (Collectively, the Underlying Underwriter's
            Warrants and Underlying Underwriter's Securities") shall be
            redeemable by the Company. The Underwriter's Warrants and Underlying
            Underwriter's Securities are hereinafter sometimes collectively
            referred to as the "Underwriter's Securities".
<PAGE>

      c)    The Underwriter's Warrants will be exerciseable between the first
            and fifth anniversary dates of the Effective Date (the "Warrant
            Exercise Term"). EFH will agree that during the (1) year period
            following the Effective Date, it will not transfer the Underwriter's
            Warrants or the underlying Underwriter's Securities, except to EFH
            officers, partners or members of the selling group. The
            Underwriter's Warrants shall be exerciseable at a price per unit
            equal to one hundred and twenty percent (120%) of the public
            offering price of the common shares and shall be exercisable at any
            time from time to time, in whole or in part, during the warrant
            Exercise Term.

            The Underwriter's Warrants shall contain such terms and conditions
            as are satisfactory in form and substance to EFH, the Company and
            their respective counsel, including, without limitation
            anti-dilution and exercise provisions. At any time during the five
            (5) years commencing after the Effective Date of the Registration
            Statement, EFH (or the then holders of a majority of the
            Underwriter's Warrants of the Underlying Underwriter's Securities)
            shall have the right to require the Company to prepare and file a
            Post-Effective amendment to the Registration Statement or a new
            Registration Statement, if then required under the Securities Act of
            1933 (the "Act"), covering all or any portion of the Underwriter's
            Warrants and/or the Underlying Underwriter's Securities. C.S.M.G.
            Technologies, Inc. shall bear all expenses incurred in the
            preparation and filing of such Post-Effective Amendment or new
            Registration Statement.

            In addition, if at any time during the Warrant Exercise Term the
            Company shall prepare and file one or more Registration Statements
            under the Act, with respect to a public offering of equity or debt
            securities of the Company, or of any such securities of the Company
            held by its shareholders, the Company will include in such
            Registration Statement such number of Underwriter's Warrants and/or
            Underlying Underwriter's Securities held by EFH and its designees or
            transferees as may be requested.

            The Company shall bear all fees and expenses incurred by the Company
            in connection with the preparation and filing of such Registration
            Statement. In the event of such a proposed registration, the Company
            shall furnish the then holders of outstanding Underwriter's Warrants
            and Underlying Underwriter's Securities with not less than thirty
            (30) days written notice prior to the proposed date of filing of
            such Registration Statement. Such notice shall continue to be given
            during the Warrant Exercise Term by C.S.M.G. Technologies, Inc. to
            such holders until such time as all of the Underwriter's Warrants
            and Underlying Underwriter's Securities have been registered. The
            holders of the Warrant Securities shall exercise the "piggy-back"
            rights provided for herein by giving written notice, within twenty
            (20) days of the receipt of the Company's notice of its intention to
            file a Registration Statement.

                                       2
<PAGE>

      d)    The Company will bear all fees, disbursements and expenses in
            connection with the proposed offering, including, without
            limitation, the Company's legal and accounting fees and
            disbursements, the costs of preparing, printing and delivering the
            Registration Statement, Prospectus and amendments, post-effective
            amendments and supplements thereto, the Underwriting Agreement and
            documents and "Blue Sky" memoranda (all in such quantities as EFH
            may require), preparing and printing stock certificates and warrant
            certificates, filing fees, costs and expenses incurred in
            registering the offering with National Association of Securities
            Dealers, Inc. (The "NASD"), filing fees, costs and expenses
            (including fees and disbursements of counsel) incurred in qualifying
            the offering under the "Blue Sky" laws of the states specified by
            EFH transfer taxes, transfer agent and registrar fees, out-of-pocket
            costs, exclusive of salaries and overhead, of holding "due
            diligence" meetings and the costs of placing a "tombstone"
            advertisement in The Wall Street Journal.

      e)    In order to reimburse EFH for those costs, fees and expenses
            customarily incurred by an underwriter during the process, C.S.M.G.
            Technologies, Inc. shall pay to EFH a non-accountable expense
            allowance in the amount of the three percent (3%) of the gross
            proceeds of the offering (including the over-allotment option),
            which shall include fees and disbursements of EFH's counsel. which
            shall include fees and disbursements of EFH's counsel, of which
            Fifteen Thousand Dollars ($15,000) will have been paid as of the
            date hereof and an additional Thirty-Five Thousand Dollars
            ($35,000.00) shall be paid by the Company upon the filing of the
            Registration Statement with the Securities and Exchage Commission.
            The Company will retain EFH as a financial consultant, for a period
            of twelve months to commence on the Closing Date, at a monthly fee
            of five thousand Dollars ($5,000.00), all of which is payable in
            advance on the closing of this offering. In addition, the consulting
            agreement shall provide that the Company will pay EFH a "Lehman
            formula" finder's fee in the event that EFH originates a merger,
            acquisition, to joint venture or other transaction to which EFH is a
            party.

      f)    The Company shall pay for all "Blue Sky" filing fees as requested by
            EFH and costs and expenses of "Blue Sky" registration or
            qualification (including fees and disbursements of EFH's legal
            counsel). The Company shall also pay as due, the state registration,
            qualification and filing fees, NASD filing fees and accountable out
            of pocket disbursements in connection with such registration,
            qualification or filing.

      g)    For the purpose of covering over-allotments, if any, which may occur
            during the distribution and sale of the shares, the Company will
            grant EFH an option to purchase all or part of an additional number
            of shares and or warrants as will be equal to not more than ten
            percent (10%), of the total number of shares initially offered to
            the public, for the period of sixty (60) days from the effective
            Date. Such over-allotment period, and any shares and or warrants
            purchased by EFH pursuant to such option shall be resold to the
            public on the same terms as the initially offered shares and or
            warrants.

      h)    C.S.M.G. Technologies, Inc. agrees not to permit or cause a public
            sale or public offering of any of its securities (in any manner,
            including pursuant to Rule 144 under the Act) owned nominally or
            beneficially by the Company's officers, directors and shareholders
            owning five percent (5%) or more of the outstanding shares of Common
            Stock for a period of twelve (12) months following the Effective
            Date without obtaining the prior written approval of EFH. EFH has
            agreed to exempt a total of five hundred thousand (500,000) shares
            to be designated by the Company, which will have only a twelve (12)
            month similar sale restriction.

                                       3
<PAGE>

            C.S.M.G. Technologies, Inc. shall cause such persons to execute an
            agreement with EFH, in conformance with all SEC regulations
            eliminating "acting in concert" issues, regarding such restrictions,
            in form and substance, satisfactory to the Company, EFH and their
            respective counsels. No employee of C.S.M.G. Technologies, Inc.,
            will receive an annual salary in excess of two hundred and fifty
            thousand dollars ($250,000.00) for a period of twenty four (24)
            months from the Effective Date.

      i)    The Company shall continue to retain as its accountants a firm of
            independent certified public accountants acceptable to EFH for
            twenty-four (24) months from the closing of the offering. Such
            accounting firm shall have responsibility for the preparation of the
            financial statements and financial exhibits, if any, to be included
            in the Registration Statement, and shall prepare all certified
            financial statements and schedules to be included in the
            Registration Statement. The Company shall retain as its lawyers a
            firm acceptable to EFH, which is expert in securities law matters,
            and in the regulatory aspects of C.S.M.G. Technologies, Inc.
            proposed business for a period of twelve (12) months.

      j)    The Company shall best efforts to have the Shares approved for
            quotation on the AMEX, the NASDAQ National Market System, or the
            NASDAQ SmallCap Market and/or the Boston Stock Exchange, effective
            on the Effective Date. By the Effective Date, the Company shall have
            registered its Common Stock with the Securities and Exchange
            Commission under the provisions of the Securities Exchange Act of
            1934 and will use its best efforts to maintain such registration in
            effect for a period of at least five years from the Effective Date.
            The Company agrees that it will, prior to the Effective Date,
            register with, and for a period of five (5) years from the Effective
            Date remain covered by, the corporate Record Savings and Annual
            Report Information Service published by Standard & Poor's
            Corporation.

      k)    If the sale of the shares is completed:

                  (1)   The Company shall retain an investor/public relations
                        firm reasonably acceptable to EFH for a period of
                        twenty-four (24) months from the Effective Date.

                  (2)   The Company will accept an advisor of EFH, as a
                        non-voting advisor to, its Board of Directors, such
                        designee, shall attend meetings of the Board and receive
                        reimbursement for reasonable costs incurred in attending
                        such meetings as well as any compensation received by
                        other "outside" Directors. To the extent permitted by
                        law, Company will agree to indemnify EFH and its
                        designee for the actions of such designee as a director
                        of the Company. In the event Company maintains a
                        liability insurance policy affording coverage for the
                        acts of its officers and directors, it will agree, if
                        possible, to include each of EFH and its designee as an
                        insured under such policy.

                                       4
<PAGE>

                  (3)   To the extent permitted by law, C.S.M.G. Technologies,
                        Inc. will agree to indemnify EFH and its designee for
                        the actions of such designee as a director of the
                        Company. In the event C.S.M.G. Technologies, Inc.
                        maintains a liability insurance policy affording
                        coverage for the acts of its officers and directors, it
                        will agree, if possible, to include each of EFH and its
                        designee as an insured under such policy.

                  (4)   The Company shall continue to retain a transfer agent
                        reasonably acceptable to EFH for the Common Stock for a
                        period of twelve (12) years following the Effective
                        Date, at the request of EFH the Company shall cause such
                        transfer agent to provide EFH on a quarterly basis with
                        copies of the Company's stock transfer sheets.

                  (5)   For a period of not less than twenty (24) months from
                        the Effective Date, the Company will provide to EFH on a
                        timely basis quarterly statements setting forth such
                        information regarding the Company's operations and
                        financial position (including balance sheet, profit and
                        loss statements and data regarding outstanding purchase
                        orders) as is regularly prepared by management of
                        C.S.M.G. Technologies, Inc..

                  (6)   C.S.M.G. Technologies, Inc. shall not file a
                        Registration Statement except Form S-8 (or any similar
                        or successor form) for a period of one year from the
                        Effective Date, with the exception of ESOP, without
                        EFH's consent. The Company shall not, without EFH's
                        consent, sell any securities under Regulation S.

The Company represents and warrants to EFH that (i) it is not obligated to pay a
finder's fee or consulting fee to anyone in connection with the introduction of
C.S.M.G. Technologies, Inc. to EFH: (ii) during the prior twelve months, it has
not paid any moneys or other compensation or issued any securities to any member
of the NASD, or to any affiliate or associate of such a member, or to any person
in consideration for such person raising funds for the Company, or providing
consulting services to the Company, regarding this initial Public Offering,
except for payment to EFH hereunder; and (iii) no holder of the Company's
securities has (A) any right to "piggyback" its securities on the Registration
Statement or (B) any right to demand registration of its securities (which will
not be modified so that it cannot be exercised until at least 18 months after
the Effective Date).

EFH reserves the right, in its sole discretion, to reduce any item of its
compensation or adjust the terms thereof (including the number, type and
exercise price of the Underwriter's Warrants) as specified herein in the event
that a determination should be made by the NASD and/or the securities department
of any jurisdiction in which the offering is "Blue Skied" to the effect that its
aggregate compensation is excessive or that the terms thereof require such
adjustment. Any such reduction or adjustment shall not affect any other terms or
provisions of the Letter of Intent.

                                       5
<PAGE>

It is our intention to enter into the Underwriting Agreement on or immediately
prior to the Effective Date, however, EFH reserves the right not to proceed with
the offering if, in its sole judgment, (i) market conditions are unsuitable for
such offering at the price per Security set forth on page 1 hereof and C.S.M.G.
Technologies, Inc. and EFH cannot agree on another price or structure; (ii)
information comes to EFH's attention relating the Company, its management or its
position in the industry which would preclude a successful public offering:
(iii) a material adverse change has occurred in the financial condition,
business or prospects of the Company, (iv) the company has failed to (a)
expeditiously proceed with the offering, including the preparation, execution
and filing with all necessary governmental authorities of the Registration
Statement on Form SB-2. (b) cooperate with EFH in requesting effectiveness of
the Registration Statement at such time as EFH may deem appropriate: or (c)
comply with all applicable statutes, laws, rules and regulations; or (v) the
Company cannot expeditiously proceed with the offering; or (vi) the NASD
determines that any payment (including cash and/or securities) paid by C.S.M.G.
Technologies, Inc. to any investment banker (other than EFH), consultant or to
any other person is "underwriter compensation" in connection with the proposed
public offering- or (vii) war or act of God or other calamity which would have
substantial adverse effect or loss to C.S.M.G. Technologies, Inc.; (viii) or the
market for securities in general, or the Company's securities in particular,
financial or economic conditions shall have materially changed from those
reasonably foreseeable as of the date hereof as to render it impracticable in
the EFH's judgment to make a public offering of the securities, or there has
been a material adverse change in market levels for securities in general or
financial or economic conditions which render it inadvisable to proceed; or (ix)
any action, suit or proceeding, threatened or pending, at law or equity against
C.S.M.G. Technologies, Inc., or by any Federal State or other commission, board
or agency wherein any unfavorable result or decision could materially adversely
affect the business, property, financial condition or income or earnings of the
Company. If EFH elects not to proceed with the offering as a result of the
condition enumerated in clauses (i through ix) above, the Company shall
reimburse EFH in full for its out-of-pocket expenses (including, without
limitation, its legal fees and disbursements) up to Twenty-Five Thousand Dollars
($25,000.00). After the execution of the Underwriting Agreement, in the event
the offering is not consummated for any reason whatsoever, the Company shall
reimburse KDS in full for its out-of-pocket expenses less amounts previously
paid to it, as set forth in the Underwriting Agreement.

This letter shall be deemed to have been made and delivered in Orlando, Florida
and shall be governed as to validity, interpretation, construction, effect and
in all other aspects by the laws of the State of Florida. C.S.M.G. Technologies,
Inc.: (1) agrees that any legal suit, action or proceeding arising out of or
relating to those letter shall by instituted exclusively in Florida State
Circuit Court, County of Orange or in the United States District Court for the
Southern District of Florida, (2) waives any objection to the venue of any such
suit, action or proceeding and the right to assert such forum is not a
convenient forum, and (3) irrevocably consents to the jurisdiction of the
Florida State Circuit Court, County of Orange and the United States District
Court for the Southern District of Florida in any such suit, action or
proceeding,

The Company further agrees to accept and acknowledge service of any and all
process which may be served in any such suit, action or proceeding in the
Florida State Circuit Court, County of Orange and the United States District
Court for the Southern District of Florida and agrees that service of process
upon it mailed by certified mail to As address shall be deemed in every respect
effective service of process upon it in any such suit, action or proceeding.

                                       6
<PAGE>

Except as otherwise set forth herein, neither the Company nor EFH will be under
any obligation to the other, until both C.S.M.G. Technologies, Inc. and EFH have
executed and delivered the Underwriting Agreement. It is Understood that this
letter is merely a statement of intent and while the parties agree in principle
to the contents hereof any legal obligations between the parties shall be only
as set forth in a duly negotiated and executed Underwriting Agreement.

This shall be in form and content satisfactory to EFH, the Company and their
respective counsel. This letter shall, nevertheless, constitute a binding
agreement relative to the reimbursement of EFH's expenses.

If the foregoing correctly sets forth our understanding with respect to the
proposed offering on behalf of the Company, will you please so confirm by
signing and returning one copy of this letter, together with a check payable to
EFH, in the amount of Fifteen Thousand Dollars ($15,000.00), whereupon we will
instruct our counsel to cooperate with counsel for the Company in the
preparation of the appropriate Registration Statement under the Act, the
Underwriting Agreement and related documents so as to expedite the successful
consummation of the public offering.

Very Truly Yours,

EMPIRE FINANCIAL GROUP, INC.

By:
    ------------------------
    Don Wojnowski, CEO

Accepted and confirmed:

C.S.M.G. TECHNOLOGIES, INC.

By:
    ------------------------
    Mr. Donald Robbins, CEO

                                       7

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