Document:

Exhibit 10.16

     

    Exhibit
      10.16

    CHANGE
      IN TERMS AGREEMENT

    

    
      	
              Principal

            	
              Loan
                Date

            	
              Maturity

            	
              Loan
                No 

            	
              Call
                / Coll

            	
              Account

            	
              Officer
                

            	
              Initials

            
	
              $250,000.00

            	
              03-30-2005

            	
              03-30-2006

            	
              2700433664

            	
              ,tr
                25582

            	 	
              F8B

            	 
	
              References
                in the above area are for Lender’s use only and do not limit the
                applicability of the document to any particular loan or item.

              Any
                item above containing “***” has been omitted due to text length
                limitations.

            

    

    

                        Borrower: AT&S
      Holdings, Inc.      Lender:    Commercial
      Federal Bank, a Federal Savings Bank

                              American
      Trailer & Storage,
      Inc.           Lee’s
      Summit Commercial Lending HQ

                              3505
      Manchester
      Trafficway             740
      N.W.
      Blue Parkway

                              Kansas
      City, MO 64129            Lee’s
      Summit, MO 64086

    

                            Principal
      Amount: $250,000.00   Date
      of
      Agreement:  September
      27, 2005

    

    DESCRIPTION
      OF EXISTING INDEBTEDNESS.
      The
      description of the existing indebtedness is set forth in the Promissory Note
      dated March 30, 2005 (the “Note”), and all subsequent modifications thereto, by
      and between AT&S Holdings, Inc. and American Trailer & Storage, Inc.
      (Borrower) and Commercial Federal Bank, a Federal Savings Bank
      (Lender).

    

    DESCRIPTION
      OF COLLATERAL. The
      description of the collateral is set forth in the Promissory Note dated March
      30, 2005.

    

    DESCRIPTION
      OF CHANGE IN TERMS.

    

    Decrease
      interest rate from Wall Street Journal Prime plus .75% to Wall Street Journal
      Prime plus .25% effective September 1, 2005.

    

    CONTINUING
      VALIDITY.
      Except
      as expressly changed by this Agreement, the terms of the original obligation
      or
      obligations, including all agreements evidenced or securing the obligation(s),
      remain unchanged and in full force and effect. Consent by Lender to this
      Agreement does not waive Lender’s right to strict performance of the
      obligation(s) as changed, nor obligate Lender to make any future change in
      terms. Nothing in this Agreement will constitute a satisfaction of the
      obligation(s). It is intention of Lender to retain as liable parties all makers
      and endorsers of the original obligation(s), including accommodation parties,
      unless a party is expressly released by Lender in writing. Any maker or
      endorser, including accommodation makers, will not be released by virtue of
      this
      Agreement. If any person who signed the original obligation does not sign this
      Agreement below, then all person signing below acknowledge that this Agreement
      is given conditionally, based on the representation to Lender that the
      non-signing party consents to the changes and provisions of this Agreement
      or
      otherwise will not be released by it. This waiver applies not only to any
      initial extension, modification or release, but also to all such subsequent
      actions.

    

    JURY
      WAIVER. Lender and Borrower hereby waive the right to any jury trial in any
      action, proceeding, or counterclaim brought by either Lender or Borrower against
      the other.

    

    PRIOR
      TO SIGNING THIS AGREEMENT, EACH BORROWER READ AND UNDERSTOOD ALL THE PROVISIONS
      OF THIS AGREEMENT. EACH BORROWER AGREES TO THE TERMS OF THE
      AGREEMENT.

    

    Borrower:

    

    AT&S
      Holdings, Inc.

    

    By:___//s//________________________________  By:______//s//_________________________________

    Richard
      G. Honan, II, Chief Financial Officer of        Richard
      G.
      Honan, Chairman of AT&S Holdings, Inc.

    AT&S
      Holdings, Inc.

    

    AMERICAN
      TRAILER & STORAGE, INC.

    

    By:______//s//_________________________________  By:__________//s//__________________________________

    Richard
      G. Honan, II, Chief Financial Officer of           Richard
      G. Honan,
      Chairman of American Trailer & Storage, Inc. 

    American
      Trailer & Storage, Inc.

    LENDER:

     

    COMMERCIAL
      FEDERAL BANK, A FEDERAL SAVINGS BANK

    

    

    X_//s//________________________________________________

    David
      R. Kyle, Loan OfficerExhibit 10.14

    Exhibit
      10.14

    CHANGE
      IN TERMS AGREEMENT

    

    
      	
              Principal

            	
              Loan
                Date

            	
              Maturity

            	
              Loan
                No 

            	
              Call
                / Coll

            	
              Account

            	
              Officer
                

            	
              Initials

            
	
              $750,000.00

            	
              03-30-2005

            	
              03-30-2006

            	
              2700433680

            	
              ,tr
                25579

            	 	
              F8B

            	 
	
              References
                in the above area are for Lender’s use only and do not limit the
                applicability of the document to any particular loan or item.

              Any
                item above containing “***” has been omitted due to text length
                limitations.

            

    

    

            Borrower: AT&S
      Holdings, Inc.            Lender:
      Commercial Federal Bank, a Federal Savings Bank

                  American
      Trailer & Storage,
      Inc.           Lee’s
      Summit Commercial Lending HQ

                  3505
      Manchester
      Trafficway                740
      N.W.
      Blue Parkway

                  Kansas
      City, MO 64129               Lee’s
      Summit, MO 64086

    

                 Principal
      Amount: $750,000.00           Date
      of
      Agreement:  September
      27, 2005

    

    DESCRIPTION
      OF EXISTING INDEBTEDNESS.
      The
      description of the existing indebtedness is set forth in the Promissory Note
      dated March 30, 2005 (the “Note”), and all subsequent modifications thereto, by
      and between AT&S Holdings, Inc. and American Trailer & Storage, Inc.
      (Borrower) and Commercial Federal Bank, a Federal Savings Bank
      (Lender).

    

    DESCRIPTION
      OF COLLATERAL. The
      description of the collateral is set forth in the Promissory Note dated March
      30, 2005 and Change in Terms dated April 4, 2005.

    

    DESCRIPTION
      OF CHANGE IN TERMS.

    

    Increase
      loan amount from $650,000.00 to $750,000.00

    Decrease
      interest rate from Wall Street Journal Prime plus .75% to Wall Street Journal
      Prime plus .25% effective September 1, 2005.

    

    CONTINUING
      VALIDITY.
      Except
      as expressly changed by this Agreement, the terms of the original obligation
      or
      obligations, including all agreements evidenced or securing the obligation(s),
      remain unchanged and in full force and effect. Consent by Lender to this
      Agreement does not waive Lender’s right to strict performance of the
      obligation(s) as changed, nor obligate Lender to make any future change in
      terms. Nothing in this Agreement will constitute a satisfaction of the
      obligation(s). It is intention of Lender to retain as liable parties all makers
      and endorsers of the original obligation(s), including accommodation parties,
      unless a party is expressly released by Lender in writing. Any maker or
      endorser, including accommodation makers, will not be released by virtue of
      this
      Agreement. If any person who signed the original obligation does not sign this
      Agreement below, then all person signing below acknowledge that this Agreement
      is given conditionally, based on the representation to Lender that the
      non-signing party consents to the changes and provisions of this Agreement
      or
      otherwise will not be released by it. This waiver applies not only to any
      initial extension, modification or release, but also to all such subsequent
      actions.

    

    JURY
      WAIVER. Lender and Borrower hereby waive the right to any jury trial in any
      action, proceeding, or counterclaim brought by either Lender or Borrower against
      the other.

    

    PRIOR
      TO SIGNING THIS AGREEMENT, EACH BORROWER READ AND UNDERSTOOD ALL THE PROVISIONS
      OF THIS AGREEMENT. EACH BORROWER AGREES TO THE TERMS OF THE
      AGREEMENT.

    

    Borrower:

     

    AT&S
      Holdings, Inc.

    

    By:___//s//________________________________  By:______//s//_________________________________

     Richard
      G. Honan, II, Chief Financial Officer of   
      Richard G. Honan, Chairman of AT&S Holdings, Inc.

    AT&S
      Holdings, Inc.

    

    AMERICAN
      TRAILER & STORAGE, INC.

    

    By:______//s//_________________________________  By:__________//s//__________________________________

    Richard
      G. Honan, II, Chief Financial Officer of           Richard
      G. Honan,
      Chairman of American Trailer & Storage, Inc. 

    American
      Trailer & Storage, Inc.

    

    LENDER:

     

    COMMERCIAL
      FEDERAL BANK, A FEDERAL SAVINGS BANK

    

    

    X_//s//________________________________________________

    David
      R. Kyle, Loan Officer

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