Document:

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                                                                   EXHIBIT 10.48

                AMENDED AND RESTATED MEMBERSHIP PLEDGE AGREEMENT

         THIS AMENDED AND RESTATED MEMBERSHIP PLEDGE AGREEMENT (this
"Agreement") is made as of December 30, 2002 by BINGHAM FINANCIAL SERVICES
CORPORATION, a Michigan corporation whose address is 260 E. Brown Street, Suite
200, Birmingham, Michigan 48009 ("Pledgor"), in favor of SUN HOME SERVICES,
INC., a Michigan corporation whose address is 31700 Middlebelt Road, Suite 145,
Farmington Hills, MI 48334 ("Secured Party").

                                    RECITALS:

         A. Pledgor has executed and delivered to Sun Communities Operating
Limited Partnership ("SCOLP") a Membership Pledge Agreement dated December 13,
1999, (the "Original Pledge Agreement"), pursuant to which Pledgor pledged its
membership interests in Bloomfield Acceptance Company, L.L.C., and Bloomfield
Servicing Company, L.L.C. (the "Subsidiaries") to secure the performance by
Pledgor of, among other obligations, Pledgor's obligations under a guaranty (the
"Original Guaranty") of the obligations of Origen Financial L.L.C. ("Origen")
under a line of credit (the "Line of Credit") from SCOLP to Origen and a term
loan (the "Term Loan") from SCOLP to Origen.

         B. SCOLP has assigned its interest in the Original Pledge Agreement,
the Original Guaranty, the Line of Credit and the Term Loan and related
documents to Secured Party pursuant to an Assignment of Loans of even date
herewith.

         C. The Line of Credit has been amended and is evidenced by a Second
Amended and Restated Subordinated Loan Agreement dated December 4, 2002 between
Pledgor and SCOLP, as amended by a First Amendment to Second Amended and
Restated Subordinated Loan Agreement of even date herewith between Origen and
Secured Party and a Seventh Amended and Restated Promissory Note of even date
herewith in the principal amount of $48,000,000 delivered by Origen to Secured
Party.

         D. The Term Loan has been amended and is evidenced by a Subordinated
Term Loan Agreement dated December 4, 2002 between Pledgor and SCOLP, as amended
by a First Amendment to Subordinated Term Loan Agreement of even date herewith
between Origen and Secured Party and a First Amended and Restated Term
Promissory Note of even date herewith in the principal amount of $10,000,000
delivered by Origen to Secured Party.

         E. The Original Guaranty has been amended by the Second Amended and
Restated Guaranty (the "Second Amended Guaranty") of even date herewith
delivered by Pledgor to Secured Party.

         F. To secure the payment of all amounts due to Secured Party by Pledgor
under the Second Amended Guaranty and to secure all of Pledgor's other
obligations to Secured Party of any nature now or in the future owing from
Pledgor to Secured Party (the "Obligations"), Pledgor and Secured Party desire
to amend and restate the Original Pledge Agreement in accordance with the terms
and conditions of this Agreement.

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         NOW, THEREFORE, the parties agree as follows:

         1. GRANT OF SECURITY INTEREST. As collateral security for the prompt
and complete payment and performance when due (whether at the stated maturity,
by acceleration or otherwise) of all of the Obligations, Pledgor grants to the
Secured Party a first security interest in and to Pledgor's right, title and
interest as a member (the "Membership Interests") in each of the Subsidiaries,
including, without limitation, any and all moneys or other property payable or
to become payable to Pledgor or to which Pledgor now or in the future may be
entitled, in its capacity as a member in the Subsidiaries, including, without
limitation, by way of distribution, return of capital or otherwise in respect of
the Membership Interests, and, to the extent not otherwise included, all
"proceeds" of the Membership Interests as such term is defined in the Uniform
Commercial Code (the "Code") from time to time in effect in the State of
Michigan (collectively, the "Collateral").

         2. DISTRIBUTIONS. So long as no default has occurred and is continuing
under the Second Amended Guaranty or this Agreement (an "Event of Default"),
Pledgor shall be entitled to receive for its own use all distributions with
respect to the Membership Interests. If an Event of Default has occurred and is
continuing, Pledgor shall not be entitled to receive or retain other
distributions paid in respect of the Membership Interests, whether in redemption
of, or in exchange for the Membership Interests, or whether in connection with a
reduction of capital, capital surplus or paid-in surplus or the Membership
Interests or otherwise, other than for the payment of personal taxes of the
members of the Subsidiaries associated with their investment in Subsidiaries,
and any and all such dividends or distributions shall be forthwith delivered to
the Secured Party to hold as Collateral and shall, if received by Pledgor, be
received in trust for delivery to the Secured Party, be segregated from the
other property or accounts of Pledgor, and be forthwith delivered to the Secured
Party as Collateral in the same form as so received (with any necessary
endorsements), with such Proceeds to be applied by the Secured Party to reduce
the Obligations.

         3. REGISTRATION OF PLEDGE. Concurrently with the execution of this
Agreement, Pledgor has sent to each of the Subsidiaries written instructions in
the form of Exhibit A, and has obtained from each of the Subsidiaries an
executed acknowledgment and consent in the form of Exhibit A.

         4. VOTING RIGHTS. So long as no Event of Default has occurred and is
continuing, Pledgor may exercise all voting and membership rights with respect
to the Membership Interests; provided, however, that no vote will be cast or
membership right exercised or other action taken which would be inconsistent
with or result in a breach of any provision of the Second Amended Guaranty or
this Agreement.

         5. EVENT OF DEFAULT. If an Event of Default has occurred and is
continuing, the Secured Party may direct the Subsidiaries to register the
Membership Interests in the name of the Secured Party or its nominee, and the
Secured Party or its nominee may thereafter receive all distributions with
respect to, and exercise all voting, membership and other rights pertaining to,
the Membership Interests as if it were the absolute owner of the Membership
Interests.

                                      -2-

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         6. REPRESENTATIONS AND WARRANTIES OF PLEDGOR. Pledgor represents and
warrants to the Secured Party that (a) Pledgor is the record and beneficial
owner of, and has good and legal title to, the Membership Interests, free of any
and all liens or options in favor of, or claims of, any other person, except the
lien created by this Agreement, and (b) Pledgor has the legal right to execute
and deliver, to perform its obligations under, and to grant the security
interest in the Collateral pursuant to, this Agreement.

         7. ASSIGNMENT; PLEDGE; AMENDMENT. Without the prior written consent of
the Secured Party, Pledgor will not (i) sell, assign, transfer, exchange or
otherwise dispose of, or grant any option with respect to, the Collateral; (ii)
create or permit to exist any lien or option in favor of, or any claim of, any
person with respect to any of the Collateral, except, in either case, for the
lien created by this Agreement; or (iii) amend or modify the operating agreement
of any of the Subsidiaries (as amended from time to time, collectively, the
"Operating Agreements"), or enter into any agreement or arrangement with any
Subsidiary or its respective members which amends or modifies the rights and
obligations of such Subsidiary and its respective members as set forth in such
Subsidiary's Operating Agreement. Pledgor will defend the right, title and
interest of the Secured Party in and to the Collateral against the claims and
demands of all other persons.

         8. FURTHER ASSURANCES. At any time and from time to time, upon the
written request of the Secured Party, Pledgor will promptly execute and deliver
such further instruments and documents and take such further actions as the
Secured Party may reasonably request for the purposes of obtaining or preserving
the security interest created by this Agreement, including, without limitation,
the filing of any financing or continuation statements under the Code. Pledgor
authorizes the Secured Party to file any such financing or continuation
statement without the signature of Pledgor to the extent permitted by applicable
law.

         9. REMEDIES. If an Event of Default has occurred and is continuing, the
Secured Party may exercise, in addition to all rights and remedies granted in
the Guaranty and this Agreement, all rights and remedies of a secured party
under the Code. The rights and remedies of the Secured Party are cumulative, may
be exercised singly or concurrently, and are not exclusive of any rights or
remedies provided by law.

         10. ATTORNEY-IN-FACT. Pledgor irrevocably constitutes and appoints the
Secured Party, or its representative, with full power of substitution, as its
true and lawful attorney-in-fact with full irrevocable power and authority in
the place and stead of Pledgor, and in the name of Pledgor or in the Secured
Party's name, after an Event of Default has occurred and for so long as it is
continuing, for the purpose of carrying out the terms of this Agreement.
Anything to the contrary contained herein notwithstanding, the Secured Party may
not exercise the rights granted to them in this Section 10 unless the Pledgor
has been provided with prior written notice of such exercise. The powers
conferred on the Secured Party are solely to protect its interests in the
Collateral and will not impose any duty upon the Secured Party to exercise any
such powers. The Secured Party will be accountable only for amounts that it
actually receives as a result of the exercise of such powers, and neither the
Secured Party, nor any of its officers, directors, employees or agents will be
responsible to Pledgor or to the Subsidiaries for any act or failure to act.

                                     - 3 -

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         11. LIMITATION ON DUTIES REGARDING COLLATERAL. The Secured Party's sole
duty with respect to the custody, safekeeping and physical preservation of the
Collateral in its possession, under the Code or otherwise, will be to deal with
it in the same manner as the Secured Party deals with similar securities and
property for its own account. Neither the Secured Party, nor any of its
directors, officers, employees or agents will be liable for failure to demand,
collect or realize upon any of the Collateral or for any delay in doing so or,
except as provided by applicable law, will be under any obligation to sell or
otherwise dispose of any Collateral upon the request of Pledgor or otherwise.

         12. NO WAIVER. The Secured Party will not by any act, delay, omission
or otherwise be deemed to have waived any right or remedy under this Agreement
or to have acquiesced in any Event of Default or in any breach of any of the
terms and conditions of this Agreement except by a written instrument executed
by the Secured Party. No single or partial exercise of any right, power or
privilege under this Agreement will preclude any other or further exercise
thereof or the exercise of any other right, power or privilege. A waiver by the
Secured Party of any right or remedy under this Agreement on any one occasion
will not be construed as a bar to any right or remedy which the Secured Party
would otherwise have on any future occasion.

         13. AMENDMENTS. The terms and provisions of this Agreement may not be
waived or modified except by a written instrument executed by Pledgor and the
Secured Party.

         14. BENEFIT AND BINDING EFFECT. This Agreement will be binding upon the
successors and permitted assigns of Pledgor and will inure to the benefit of the
Secured Party and its successors and assigns.

         15. COUNTERPARTS; REPRODUCTIONS. This Agreement may be executed in
counterparts, each of which shall be deemed to be an original and all of which
together shall constitute one instrument. Facsimile copies of signatures to this
Agreement shall be deemed to be originals, and the parties may rely upon such
facsimile copies to the same extent as the originals.

         16. GOVERNING LAW. This Agreement shall be governed by, and construed
in accordance with, the laws of the State of Michigan.

                         [signatures on following page]

                                     - 4 -

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         IN WITNESS WHEREOF, the parties have executed this Amended and Restated
Stock Pledge Agreement as of the day and year above written.

                                    PLEDGOR:

                                    BINGHAM FINANCIAL SERVICES
                                    CORPORATION, a Michigan corporation

                                    By:    /s/   Ronald A. Klein
                                           ----------------------------------

                                    Its:   Chief Executive Officer
                                           ----------------------------------

                                    SECURED PARTY:

                                    SUN HOME SERVICES, INC., a Michigan
                                    corporation

                                    By: /s/ Jeffrey P. Jorissen
                                        -------------------------------------

                                    Its: Chief Financial Officer
                                         ------------------------------------

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                                                                   EXHIBIT 10.49

              SECOND AMENDED AND RESTATED PARTICIPATION AGREEMENT

         THIS SECOND AMENDED AND RESTATED PARTICIPATION AGREEMENT ("Agreement")
by and among SUN HOME SERVICES, INC. ("Lender"), WOODWARD HOLDING, LLC
("Woodward") and the MILTON M. SHIFFMAN SPOUSE'S MARITAL TRUST UNDER TRUST
AGREEMENT DATED APRIL 22, 1994 (the "Trust" and together with Woodward, the
"Participants") is entered into as of December 30, 2002.

                                    RECITALS

         A. Lender, as assignee of Sun Communities Operating Limited Partnership
("SCOLP"), has provided to Origen Financial L.L.C. (the "Borrower") a line of
credit facility in the amount of $48,000,000 (the "Line of Credit") pursuant to
the terms and conditions of a certain Second Amended and Restated Subordinated
Loan Agreement of even date herewith, (the "Line of Credit Loan Agreement"), as
evidenced by a Seventh Amended and Restated Promissory Note of even date
herewith in the principal amount of $48,000,000 (the "Line of Credit Note")
executed and delivered by the Borrower.

         B. Lender, as assignee of SCOLP, has made a term loan in the amount of
$10,000,000 (the "Term Loan", and together with the Line of Credit, the "Origen
Loans") to Borrower pursuant to the terms and conditions of a certain
Subordinated Term Loan Agreement of even date herewith (the "Term Loan
Agreement", and together with the Line of Credit Loan Agreement, the "Loan
Agreements"), as evidenced by a Term Promissory Note of even date herewith in
the principal amount of $10,000,000 (the "Term Note" and together with the Line
of Credit Note, the "Origen Notes") executed and delivered by the Borrower. All
capitalized terms not otherwise defined in this Agreement shall have the
meanings ascribed to such terms in the Loan Agreements.

         C. The payment and performance of the Origen Notes is secured by
substantially all assets of the Borrower (the "Collateral") as described in and
evidenced by (i) a First Amended and Restated Security Agreement between
Borrower and Lender of even date herewith, (ii) a First Amended and Restated
Limited Liability Company Interest Security and Pledge Agreement between
Borrower and Lender of even date herewith, and (iii) a Second Amended and
Restated Stock Pledge Agreement between Borrower and Lender of even date
herewith (collectively, the "Collateral Documents"). The payment and performance
of the Origen Notes is guaranteed by Bingham Financial Services Corporation as
evidenced by a Second Amended and Restated Guaranty of even date herewith (the
"Guaranty"). The Loan Agreements, Origen Notes, Collateral Documents and
Guaranty together with all other documents, agreements and instruments executed
in connection therewith, are collectively referred to as the "Enumerated Loan
Documents."

         D. SCOLP and Woodward entered into an Amended and Restated
Participation Agreement dated as of March 22, 2002, as amended by the First
Amendment to Amended and Restated Participation Agreement dated as of June 18,
2002 and Second Amendment to Amended and Restated Participation Agreement dated
as of August 12, 2002 (the "Original

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Participation Agreement") under which Woodward purchased a participation in the
Participation Loan (as defined in Section 1 below). SCOLP assigned its rights,
duties and obligations in the Original Participation Agreement to Lender
pursuant to an Assignment of Loans of even date herewith.

         E. Lender has agreed to sell and Woodward has agreed to purchase an
additional participation interest in the Participation Loan on the terms and
conditions herein set forth.

         F. Lender has agreed to sell and the Trust has agreed to purchase a
participation in the Participation Loan on the terms and conditions herein set
forth.

         G. Lender, Woodward and the Trust desire to amend and restate the
Original Participation Agreement in its entirety in accordance with the terms
and conditions set forth in this Agreement.

         NOW, THEREFORE, in consideration of the premises and the mutual
undertakings herein contained, Lender and Participants hereby agree as follows:

         1. Participation. SCOLP has previously sold and Woodward has previously
purchased a participation interest (a "Participation") in the Line of Credit.
Lender hereby sells and Woodward hereby purchases an additional Participation in
the Line of Credit and the Term Loan so that Woodward's Participation in the
Origen Loans as a whole and in each of the Line of Credit and the Term Loan
separately is as set forth on the attached Exhibit A. Lender hereby sells and
the Trust hereby purchases a Participation in the Line of Credit and the Term
Loan so that the Trust's Participation in the Origen Loans as a whole and in
each of the Line of Credit and the Term Loan separately is as set forth on the
attached Exhibit A. Exhibit A also sets forth (i) Lender's retained interest in
the Origen Loans as a whole and in each of the Line of Credit and the Term Loan
separately, (ii) the amount of the Shared Committed Amount (as defined below),
(iii) each party's Participation Percentage, and (iv) the amounts of an
Non-Participation Loans (as defined below) made by any party. The percentage of
each Participant's participation interest in the Shared Committed Amount,
subject to adjustment in accordance with Section 3 below, shall be such
Participant's "Participation Percentage". The "Shared Committed Amount" means
the committed principal lending limit shared by the parties hereto under the
Origen Loans as set forth on Exhibit A. The "Participation Loan" shall mean the
Shared Committed Amount allocated to the Term Loan plus the Shared Committed
Amount allocated to the Line of Credit (including any amounts outstanding on the
date hereof and any Shared Committed Advances (as defined below) made
hereafter), each as set forth on Exhibit A, together with any Future Advances
(as defined in Section 3) in which Lender and Woodward from time to time acquire
and hold an interest pursuant to Section 3. The "Loan Documents" shall mean all
documents, agreements and instruments executed in connection with the
Participation Loan, including, without limitation, the Enumerated Loan
Documents. The interest of each Participant under this Agreement shall include
but not be limited to (a) participation in (i) the currently outstanding amounts
up to the Shared Committed Amount under the Line of Credit and the Term Loan,
including the right to receive payments of principal and interest payable under
the Origen Notes, and (ii) participation in any advances made under the Line of
Credit up to the Shared Committed

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         Amount thereunder ("Shared Committed Advances"), and (b) the right to
(i) receive a pro rata portion of the commitment fee paid and payable by
Borrower with respect to the Shared Committed Amount, (ii) purchase, at its
option, interests in Future Advances pursuant to Section 3, (iii) receive the
proceeds received upon the disposition of the Collateral, and (iv) the benefits
and burdens arising from the Loan Documents as each of the Loan Documents is
amended by Lender (either individually or collectively) subsequent to the date
hereof in accordance with the terms of this Agreement, all for the pro rata
account and risk of each Participant to the extent of its Participation
Percentage in the Participation Loan. Each Participant's right to receive its
Participation Percentage in the interest, however, shall be limited to interest
which accrues and is paid on or after the date such Participant pays Lender for
its Participation in the Participation Loan. This Agreement constitutes a
nonrecourse sale of a Participation equal to each Participant's Participation
Percentage and shall not be construed as a loan by either Participant to Lender
or as a sale of securities by Lender to either Participant or as creating any
other relationship.

         2. Payment of Purchase Price.

                  a. Woodward has previously paid SCOLP the sum of $15,000,000
for the purchase of its undivided Participation in the Participation Loan. The
Trust has paid Lender the sum of $2,500,000 for the purchase of its undivided
Participation in the Participation Loan. During each calendar month during the
term of this Agreement, Lender shall fund all Shared Committed Advances for the
accounts of Lender and each Participant; provided, however, that each
Participant shall be obligated to remit to Lender such Participant's
Participation Percentage in such Shared Committed Advances in accordance with
this Section 2.

                  b. If during any calendar month the aggregate Shared Committed
Advances multiplied by Woodward's Participation Percentage exceed the aggregate
repayments of principal with respect to the Participation Loan multiplied by
Woodward's Participation Percentage by $500,000.00 or more, Woodward shall
deliver immediately available funds to Lender no later than five (5) business
days after the delivery of the monthly accounting required under Section 9 (or
such other date, as mutually agreed by Lender and Woodward) in an amount equal
to the total amount of the net Shared Committed Advance paid by Lender during
such month multiplied by Woodward's Participation Percentage. If during any
calendar month the aggregate Shared Committed Advances multiplied by Woodward's
Participation Percentage exceed the aggregate repayments of principal with
respect to the Participation Loan multiplied by Woodward's Participation
Percentage, but by less than $500,000.00, Woodward's pro rata portion of the
aggregate Shared Committed Advances shall be carried over to the following month
or months until they equal or exceed $500,000.00 at the end of any month, at
which time Woodward shall deliver to Lender Woodward's share of such net Shared
Committed Advances in accordance with the procedure set forth above.

                  c. If during any calendar month the aggregate Shared Committed
Advances multiplied by the Trust's Participation Percentage exceed the aggregate
repayments of principal with respect to the Participation Loan multiplied by the
Trust's Participation Percentage by $100,000.00 or more, the Trust shall deliver
immediately available funds to Lender no later than

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five (5) business days after the delivery of the monthly accounting required
under Section 9 (or such other date, as mutually agreed by Lender and the Trust)
in an amount equal to the total amount of the net Shared Committed Advance paid
by Lender during such month multiplied by the Trust's Participation Percentage.
If during any calendar month the aggregate Shared Committed Advances multiplied
by the Trust's Participation Percentage exceed the aggregate repayments of
principal with respect to the Participation Loan multiplied by the Trust's
Participation Percentage, but by less than $100,000.00, the Trust's pro rata
portion of the aggregate Shared Committed Advances shall be carried over to the
following month or months until they equal or exceed $100,000.00 at the end of
any month, at which time the Trust shall deliver to Lender the Trust's share of
such net Shared Committed Advances in accordance with the procedure set forth
above.

                  d. Each Participant shall remit the purchase price for its
Participation in the Shared Committed Amount (including any Shared Committed
Advance) by wire transfer, in accordance with the following wire instructions:

         Bank:  Bank One, 611 Woodward Avenue, Detroit, MI 48226
         ABA #072000326
         For Credit to Sun Home Services, Inc.
         Account #1404854

         Each Participant's Participation under this Agreement with respect to
the Shared Committed Amount under the Origen Notes or any Shared Committed
Advances shall be effective as of the day the purchase price for such
Participation interest is received by Lender. The obligation of each Participant
to provide Lender with the purchase price of such Participant's Participation in
any Shared Committed Advance is irrevocable and shall be absolute and
unconditional under any and all circumstances and irrespective of any set-off,
counterclaim or defense to payment that such Participant may have or have had
against Lender.

         3. Future Advances.

                  a. If Lender or either Participant (an "Advancing Party"),
desires to loan money to Borrower after the date hereof (in addition to, and
exclusive of, any Shared Committed Advances) (a "Future Advance"), the Advancing
Party shall send the other parties to this Agreement (the "Other Parties") a
notice of the amount and other terms of the Future Advance; provided, however,
that an Advancing Party shall not be required to deliver such notice to the
Other Parties until such time as all Future Advances made by such Advancing
Party hereunder, in the aggregate, equal or exceed $1,000,000.00. Each Other
Party shall then have the right (but not the obligation) to purchase a
participation interest in the Future Advance equal to such Other Party's then
current Participation Percentage. If an Other Party does not respond to the
Advancing Party's notice within five (5) business days after the Other Party's
receipt of such notice (or such other date, as mutually agreed by the Advancing
Party and the Other Party), the Other Party shall be deemed to have declined to
purchase a participation interest in the Future Advance. If an Other Party
wishes to purchase a participation interest in the Future Advance, the Other
Party shall deliver immediately available funds to the Advancing Party no later
than five

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(5) business days after the Advancing Party funds the Future Advance (or such
other date, as mutually agreed by the Advancing Party and the Other Party) in an
amount equal to the product of (i) the percentage interest purchased by the
Other Party in the Future Advance, multiplied by (ii) the total amount of the
Future Advance. Any participation in a Future Advance by an Other Party shall be
effective as of the day the purchase price for such participation interest is
received by the Advancing Party. To the extent an origination fee shall be
payable by Borrower in connection with any Future Advance, the Advancing Party
shall remit to or give a credit for a portion of such origination fee to the
extent of each Other Party's percentage interest in the total amount of the
Future Advance. If an Other Party purchases a participation interest in any
Future Advance, each Participant's Participation Percentage in the Participation
Loan shall be adjusted so that it is equal to (i) the total dollar amount of
such Participant's advances under the Participation Loan (without giving effect
to credits for or receipt of any origination fees), divided by (ii) the total
principal amount of the Participation Loan.

                  b. If Lender or the Trust is the Advancing Party with respect
to a Future Advance and Woodward does not purchase a participation interest in
the Future Advance or if such Future Advance is not yet offered to the Other
Parties in accordance with Section 3.a. above, then the entire amount of the
Future Advance shall be a "Non-Participation Loan." Currently outstanding
Non-Participation Loans are set forth on Exhibit A.

                  c. All indebtedness owing from Borrower to an Advancing Party
under a Non-Participation Loan shall at all times be wholly subordinate and
junior in right to payment in full of the Participation Loan and all Senior Debt
(as defined in the Loan Agreements). Upon the request of the Other Parties, the
Advancing Party agrees to enter into a subordination agreement reasonably
acceptable to the Other Parties effecting such subordination upon the making of
a Non-Participation Loan.

                  d. If an affiliate of Lender or either Participant is the
lender of record with respect to any advance constituting any part of the
Participation Loan or a Non-Participation Loan, upon the request of any party to
this Agreement, the parties agree to enter into (and to cause their respective
affiliates, as the case may be, to enter into) a mutually acceptable
intercreditor agreement on terms substantially in accordance with this
Agreement.

         4. Certificate of Participation. No participation certificate shall be
issued by Lender to Participants as this Agreement alone shall evidence the
Participants' participation interests in the Participation Loan.

         5. Receipt of Documents.

                  a. By entering into this Agreement, each Participant
acknowledges that it has received and is satisfied with and hereby approves the
form and substance of the Enumerated Loan Documents including any exhibits
thereto.

                  b. Each Participant acknowledges that it has received the same
information regarding the Borrower as has the Lender. Each Participant waives
any right to require Lender to

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furnish or make available to such Participant any of the Lender's internal
credit analysis of the Borrower. Any such analysis was prepared solely for
internal purposes and each Participant acknowledges and agrees that it is not
and would not be entitled to rely thereon in making its credit decision.

     6. Application of Payments.

                  a. Promptly upon receipt by Lender of any payment of interest
on the Participation Loan, Lender shall remit to each Participant its share
thereof in an amount equal to the amount of the interest payment multiplied by
such Participant's Participation Percentage in the Participation Loan (after
deducting any amount due from such Participant to Lender under this Agreement).
Lender shall hold all repayments of principal on the Participation Loan during
any calendar month for the accounts of both Lender and the Participants;
provided, however, that Lender shall be obligated to remit to each Participant
its share thereof in an amount equal to the aggregate repayments of principal
multiplied by such Participant's Participation Percentage in the Participation
Loan (after deducting any amount due from such Participant to Lender under this
Agreement) in accordance with this Section 6.

                  b. If during any calendar month the aggregate repayments of
principal with respect to the Participation Loan multiplied by Woodward's
Participation Percentage exceed the Shared Committed Advances multiplied by
Woodward's Participation Percentage by $500,000.00 or more, Lender shall deliver
immediately available funds to Woodward no later than five (5) business days
after the delivery of the monthly accounting required under Section 9 (or such
other date, as mutually agreed by Lender and Woodward) in an amount equal to the
total amount of the net repayments of principal received during such month
multiplied by Woodward's Participation Percentage. If during any calendar month
the aggregate repayments of principal multiplied by Woodward's Participation
Percentage exceed the aggregate Shared Committed Advances multiplied by
Woodward's Participation Percentage, but by less than $500,000.00, such net
repayments of principal shall be carried over to the following month or months
until they equal or exceed $500,000.00 at the end of any month, at which time
Lender shall deliver to Woodward its share of such net repayments of principal
in accordance with the procedure set forth above.

                  c. If during any calendar month the aggregate repayments of
principal with respect to the Participation Loan multiplied by the Trust's
Participation Percentage exceed the Shared Committed Advances multiplied by the
Trust's Participation Percentage by $100,000.00 or more, Lender shall deliver
immediately available funds to the Trust no later than five (5) business days
after the delivery of the monthly accounting required under Section 9 (or such
other date, as mutually agreed by Lender and the Trust) in an amount equal to
the total amount of the net repayments of principal received during such month
multiplied by the Trust's Participation Percentage. If during any calendar month
the aggregate repayments of principal multiplied by the Trust's Participation
Percentage exceed the aggregate Shared Committed Advances multiplied by the
Trust's Participation Percentage, but by less than $100,000.00, such net
repayments of principal shall be carried over to the following month or months
until they equal or exceed $100,000.00 at the end of any month, at which time
Lender shall deliver to the

                                       6
<PAGE>

Trust its share of such net repayments of principal in accordance with the
procedure set forth above.

                  d. Without limiting the foregoing, all payments of principal
and interest received by the Lender from the Borrower (whether with respect to
the Participation Loan or a Non-Participation Loan and whether any such
Non-Participation Loan is evidenced by the Enumerated Loan Documents or other
Loan Documents) shall be applied first to the respective accounts of Lender and
each Participant in accordance with their interests in the Participation Loan
and then to amounts owing under any Non-Participation Loan.

         7. Reports, Notice of Default, etc. Lender shall promptly furnish to
each Participant copies of all reports and financial statements received from
Borrower pursuant to the Loan Documents. Lender shall have no responsibility to
either Participant for any errors or omissions in any such reports, financial
statements or other information and shall not otherwise be liable to either
Participant for failing to comply with the provisions of this Section, unless
such failure is due to Lender's gross negligence or willful misconduct.

         Lender shall promptly notify each Participant of the occurrence of any
Event of Default, as defined in the Loan Documents, of which the officer of
Lender responsible for the Origen Loans has actual knowledge. Similarly, each
Participant will promptly notify Lender and the other Participant of the
occurrence of any Event of Default under the Loan Documents of which the officer
of such Participant responsible for administration of such Participant's
interest has actual knowledge. Failure to give any notice required under this
Section shall not result in any liability of the any party to the other parties,
or relieve the parties from any of their obligations hereunder.

         8. Loan Documents. Lender shall hold all Loan Documents delivered in
connection with the Participation Loan for the benefit of itself and the
Participants in accordance with their respective proportionate shares. Lender
shall at all times keep proper books of account and records at its principal
office reflecting each Participant's proportionate share in the Participation
Loan, which records shall be accessible for inspection by each Participant at
all reasonable times during business hours and upon reasonable notice to Lender.

         9. Servicing of Participation Loan; Management and Enforcement of Loan
Documents. Lender shall be responsible for the normal routine servicing of loan
advances and payments under the Participation Loan on behalf of itself and each
Participant in accordance with the terms of this Agreement. No later than three
(3) business days after the end of each calendar month during the term of this
Agreement, Lender shall deliver to each Participant an accounting of all
advances, repayments and other activity with respect to the Participation Loan.
However, so long as Woodward has any outstanding Participation interest in the
Participation Loan, Lender and Woodward shall jointly manage and enforce the
terms of the Loan Documents. Specifically, without the prior written consent of
Woodward, Lender shall not (i) agree to any amendment or modification of any of
the Loan Documents of any kind or nature, (ii) waive any condition or provision
of the Loan Documents, (iii) declare any Event of Default or enforce any remedy
under the Loan Agreements or provided by law or in equity (whether such Event of
Default arises in

                                       7
<PAGE>

whole or in part from any Non-Participation Loan), or (iv) release any
Collateral securing the Participation Loan.

         10. Collection After Maturity. If Lender liquidates Collateral or
receives a payment after maturity of the Participation Loan, by acceleration or
otherwise, and whether pursuant to a demand for payment or as a result of legal
proceedings against Borrower or through payment by or action against any other
person in any way liable for the indebtedness evidenced by the Loan Documents,
or from any source whatsoever, such payment shall be applied in the following
order:

                  a. To the unreimbursed costs and expenses, including
attorney's fees, incurred by Lender or Participants, in effecting such recovery
or in enforcing any right or remedy under the Loan Documents or in realizing
upon the Collateral;

                  b. To accrued interest payable under the Participation Loan,
of which the portion due to each Participant shall be paid to each Participant;

                  c. To the unpaid principal amount of the Participation Loan,
of which the portion due to each Participant shall be paid to each Participant;
and

                  d. To the unpaid principal, interest and origination fees
payable with respect to any Non-Participation Loan (whether any such
Non-Participation Loan is evidenced by the Enumerated Loan Documents or other
Loan Documents).

         The foregoing notwithstanding, it is expressly understood that if any
loss (including any un-reimbursed expenses in connection with the Loan
Documents) is sustained with respect to the Participation Loan, that portion of
the total loss which is equal to each Participant's Participation Percentage
shall be borne by such Participant with the balance of the loss being borne by
Lender.

         11. Adjustments to Payments.

                  a. If (i) Lender shall pay an amount to a Participant pursuant
hereto in the belief or expectation that a related payment has been or will be
received or collected in connection with the Participation Loan, and (ii) such
related payment is not received or collected by Lender, then such Participant
will, within three (3) business days of demand by Lender, return such amount to
Lender, together with interest thereon at the overnight Federal Funds Rate. The
Federal Funds Rate shall be the weighted average of the rates on overnight
Federal Funds transactions, with members of the Federal Reserve System only,
arranged by federal funds brokers, as published as of such day by the Federal
Reserve Bank of New York.

                  b. Notwithstanding anything to the contrary contained herein,
if Lender determines at any time that any amount received or collected by Lender
with respect to the Participation Loan must be returned to Borrower or paid to
any other person or entity pursuant to any insolvency law or sharing clause or
otherwise, then Lender will not be required to distribute any portion thereof to
Participants and each Participant will, within three (3) business days of

                                       8
<PAGE>

demand by Lender, repay any portion thereof that Lender shall have distributed
to such Participant, together with interest thereon at such rate(s), if any, as
Lender shall be required to pay to Borrower or such other person or entity with
respect thereto.

                  c. If either Participant shall obtain any payment (whether
voluntary, involuntary, through the exercise of any right of setoff, or
otherwise) on account of its Participation in excess of its Participation
Percentage of payments on account of the Participation Loan, such Participant
shall promptly remit such excess to Lender.

         12. No Recourse; Limitation of Lender's Liability. Lender's only
obligation to Participants with respect to any payment of principal or of
interest on the Participation Loan or for any fees or other amounts payable by
Borrower under any of the Loan Documents shall be to remit to each Participant
its share of any such payment if, when, and as received by Lender. Neither
Lender nor either Participant shall have any recourse against another party to
this Agreement as a result of Borrower's failure to make any payment due under
the Participation Loan or for any fee or other amounts payable by Borrower under
the Loan Documents. Neither Lender nor either Participant shall have any
responsibility with respect to any representations, warranties or statements
made by Borrower in the Loan Documents. All losses, including but not limited to
those resulting from the foregoing matters, shall be borne by the parties in
proportion of their respective proportionate shares of the Participation Loan.

         Although Lender will exercise the same care in administering the
Participation Loan as if the Participation Loan were made entirely for Lender's
own account, Lender shall have no liability to either Participant for any loss
except for any actual loss suffered by such Participant due to Lender's own
gross negligence or willful misconduct.

         Without limiting the foregoing, Lender shall be fully protected in
relying upon any certificate, document or other communication which appears to
it to be genuine and to have been signed or presented by the proper person or
persons and upon the advice of legal counsel, independent accountants and other
appropriate experts (including those retained by Borrower), and shall not be
required to make any inquiry concerning the performance by Borrower of its
obligations under or compliance by Borrower with the terms and conditions of any
of the Loan Documents. Except as otherwise expressly set forth herein, Lender
shall not be deemed to be a trustee or fiduciary for either Participant in
connection with this participation, the Origen Loans or any Loan Documents, and
has no duties to either Participant.

         13. Reimbursement and Indemnification.

                  a. Except as otherwise provided in this Agreement, Lender and
each Participant (the "Indemnifying Party") shall reimburse each of the other
parties (the "Indemnified Parties") immediately on demand for each Indemnified
Party's proportion of all out-of-pocket expenses, including reasonable
attorney's fees, incurred by such Indemnified Party in connection with the
making, managing, or collection of the Participation Loan or Collateral or any
portion thereof, to the extent not recovered from Borrower, and shall indemnify
and hold the Indemnified Parties harmless from and against the Indemnifying
Party's proportion of the amount of any

                                       9
<PAGE>

costs, expenses (including reasonable attorneys' fees and disbursements),
claims, damages, actions, losses or liabilities, that the Indemnified Parties
may suffer or incur in connection with this Agreement or any of the Loan
Documents, or the transactions contemplated hereby or thereby, or any action
taken or omitted to be taken by the Indemnifying Party hereunder or thereunder
(collectively, the "Liabilities"). Notwithstanding the foregoing, however, the
Indemnifying Party shall have no obligation to reimburse the Indemnified Parties
for any of the Indemnified Parties' fees or costs incurred in connection with
the negotiation, drafting or execution of this Agreement. In the event that an
Indemnified Party recovers any such amounts from Borrower after the Indemnifying
Party has reimbursed such Indemnified Party for its proportion of any or all
such Liabilities, such Indemnified Party shall return to the Indemnifying Party
its proportion of the amounts recovered from Borrower. Notwithstanding anything
else set forth in this Agreement, the obligations and indemnities under this
paragraph shall survive the payment in full of the Participation Loan and
termination of the Loan Documents and this Agreement.

                  b. In the event that the Indemnifying Party does not, on the
date on which the Indemnifying Party is advised by an Indemnified Party of the
payment by such Indemnified Party of any of the foregoing Liabilities, pay such
Indemnified Party in the amount of its proportionate share of Liabilities, the
Indemnifying Party shall pay such Indemnified Party, for each day until the date
of delivery to such Indemnified Party of such amount in immediately available
funds, interest on its proportionate share of the Liabilities at a rate equal to
the overnight Federal Funds Rate.

         14. Other Relationships with Borrower.

                  a. Lender and each Participant may accept deposits from, make
loans or otherwise extend credit to Borrower (in compliance with Section 3), and
generally engage in any kind of financial services business with Borrower, or
any affiliate of Borrower, and receive payment on such loans or extensions of
credit (subject to Section 3) and otherwise act with respect thereto fully and
without accountability to the other parties to this Agreement in the same manner
as if the Participation did not exist and the transactions described herein were
not in effect.

                  b. No Other Party shall have any interest in any collateral
(other than the Collateral) to support any Non-Participation Loans made by an
Advancing Party to or for the account of Borrower. Any payment by Borrower to an
Advancing Party under any Non-Participation Loans (whether voluntary,
involuntary, through the exercise of a right of setoff or otherwise) shall be
applied first in reduction of amounts outstanding under the Participation Loan.

                  c. No Advancing Party shall have any obligation to make any
claim against, or assert any lien upon or right of setoff against, any property
held by such party as security for a Non-Participation Loan which does not
constitute Collateral security for the Participation Loan.

         15. Lender's Warranties. Lender represents and warrants that:

                                       10
<PAGE>

                  a. Except pursuant to the Original Participation Agreement, it
has not heretofore sold, assigned or otherwise disposed of any interest in the
Origen Loans.

                  b. It has full power and authority to enter into and perform
this Agreement and the officer(s) of Lender signing the Agreement on behalf of
Participant have been duly authorized to do so.

                  c. It will remain in possession of the original Loan Documents
or duplicate original copies of the Loan Documents.

                  d. The principal amount outstanding as of the date of this
Agreement under the Origen Notes is $50,470,676.92.

                  e. Lender's officer responsible for the Origen Loans is not
aware of the existence of any Event of Default as defined in the Loan Documents
as of the date of this Agreement.

         Lender and each Participant agree that Lender has not made and shall
not at any time be deemed to have made any further representation or warranty,
express or implied, with respect to (i) the due execution, authenticity,
legality, accuracy, completeness, validity or enforceability of any of the Loan
Documents, (ii) the financial condition or creditworthiness or insolvency of
Borrower or any other entity which may have liability for the Participation
Loan, or the collectibility of the Participation Loan, or (iii) any other matter
having any relation to the Participation, the Participation Loan or the Loan
Documents.

         16. Participants' Warranties. Each Participant represents, warrants and
acknowledges that:

                  a. It has full power and authority to enter into and perform
this Agreement and the officers of such Participant signing the Agreement on
behalf of such Participant have been duly authorized to do so.

                  b. It has reviewed and approved the form and substance of each
of the Enumerated Loan Documents.

                  c. Its decision to purchase this Participation and any future
decisions it makes with respect to its Participation in the Participation Loan
was based and will be based solely on its own independent evaluation of the
Participation Loan, the creditworthiness of Borrower and any other entity which
may have liability for the Participation Loan, and its own investigation of the
legality, sufficiency, and enforceability of the Loan Documents, and of the
risks involved in the transactions contemplated in the Loan Documents and it is
not and will not rely on Lender with respect thereto.

                                       11
<PAGE>

         17. Assignment Upon Certain Events. Lender hereby assigns and transfers
to each Participant all right, title and interest of Lender, if any, in and to
such Participant's Participation interest in the Participation Loan; provided,
however, that, notwithstanding anything to the contrary herein, such assignment
shall become effective only upon the occurrence of an Assignment Event (as
defined below). An "Assignment Event" shall have occurred if (a) Lender ceases
doing business or Lender's existence is terminated by sale, dissolution, merger
or otherwise, (b) any assignment is made for the benefit of Lender's creditors,
(c) any receiver of Lender is appointed, (d) any insolvency, liquidation or
reorganization proceeding under the U.S. Bankruptcy Code or otherwise shall be
filed by or against Lender, or (e) an event of default shall have occurred
under, and the payment of any indebtedness of Lender shall have been accelerated
under, the terms of any loan agreement pursuant to which Lender has incurred
debt. Upon an Assignment Event, Lender shall execute and deliver or cause to be
executed and delivered such further instruments of conveyance, assignment and
transfer and shall take such other action as either Participant may reasonably
request to give effect to the foregoing assignment.

         18. Termination. This Agreement shall terminate upon the complete
payment of all amounts due and satisfaction of all obligations of the Borrower
under the Participation Loan.

         19. Notices. All notices, demands, consents, approvals and other
communications hereunder (collectively, "notices") shall be in writing or by
facsimile transmission and delivered to the parties at their respective
addresses set forth below, and the same shall be deemed to have been given or
made when delivered by courier or if made by facsimile transaction, upon receipt
of the answer back code of the designed party after transmission to the
designated party or if made by mail, then three days after having been deposited
in the United States mail, postage prepaid by registered or certified mail.

                  Woodward:         Woodward Holding, LLC
                                    2300 Harmon Road
                                    Auburn Hills, MI 48326
                                    Attn: Paul Halpern
                                    Telephone:  (248) 340-2264
                                    Facsimile:  (248) 340-2258

                  With a copy to:   Woodward Holding, LLC
                                    2300 Harmon Road
                                    Auburn Hills, MI 48326
                                    Attn: Alan L. Schlang
                                    Telephone:  (248) 340-2170
                                    Facsimile:  (248) 340-2175

                  The Trust:        The Milton M. Shiffman Spouse's Marital
                                    Trust under Trust Agreement dated
                                    April 22, 1994
                                    One Woodward Avenue, Suite 2400
                                    Detroit, MI 48226
                                    Attn: Arthur A. Weiss

                                       12
<PAGE>

                                    Telephone:  (313) 961-8380
                                    Facsimile:  (313) 961-8358

                  With a copy to:   Jaffe, Raitt, Heuer & Weiss, P.C.
                                    One Woodward Avenue, Suite 2400
                                    Detroit, MI 48226
                                    Attn: Joel S. Golden
                                    Telephone:   (313) 961-8380
                                    Facsimile:   (313) 961-8358

                  Lender:           Sun Home Services, Inc.
                                    31700 Middlebelt Road, Suite 145
                                    Farmington Hills, Michigan 48334
                                    Attn: Gary A. Shiffman
                                    Telephone:   (248) 932-3100
                                    Facsimile:   (248) 932-3072

                  With a copy to:   Jaffe, Raitt, Heuer & Weiss, P.C.
                                    One Woodward Avenue, Suite 2400
                                    Detroit, MI 48226
                                    Attn: Matthew Murphy
                                    Telephone:   (313) 961-8380
                                    Facsimile:   (313) 961-8358

         20. Assignments; Successors and Assigns. Each Participant warrants and
represents to Lender that its Participation in the Participation Loan was or is
being purchased for its own account and not for the purpose or intent of resale.
Each Participant hereby acknowledges that in reliance upon the foregoing
warranty and representation of such Participant, Lender has not registered this
loan participation under the Federal Securities Act of 1933 (as amended) or
under any state or local laws. Except as otherwise permitted in this Agreement,
neither Lender nor either Participant shall sell, pledge, assign or otherwise
transfer all or a portion of its interest in the Participation Loan or any of
its rights or obligations under this Agreement without the prior written consent
of the other parties. Subject to the foregoing, all provisions contained in this
Agreement or related hereto shall inure to the benefit of and shall be binding
upon the respective permitted successors and assigns of Lender and each
Participant.

         21. No Partnership; No Trust. Neither the execution of this Agreement,
nor any agreement to share in the profits or losses arising as a result of the
Participation created hereby, is intended to be or to create, nor will be
construed to be or create, a partnership, joint venture or other joint
enterprise between Lender and Participants.

         Neither the execution of this Agreement, nor Lender's holding the Loan
Documents in its own name, nor the servicing of the Participation Loan by
Lender, nor any other right, duty, or obligation of Lender under or pursuant to
any Loan Document or this Agreement, is intended to be or to create, nor will be
a constructive trust or other fiduciary relationship between Lender and

                                       13
<PAGE>

either Participant. Notwithstanding the foregoing, (a) Lender and each
Participant agree that any payment relating to a purchase of a participation
interest by any party to this Agreement received by another party pursuant to
Section 2 or 3 shall not be deemed to be the property of the receiving party and
shall be held in trust by the receiving party for the benefit of the purchasing
party until either (i) advanced by the receiving party under an advance request
or (ii) applied by the receiving party as reimbursement for an advance made by
the receiving party prior to receipt by the receiving party of an amount equal
to the purchasing party's participation percentage in such advance, and (b)
Lender agrees that a pro rata portion (based on each Participant's Participation
Percentage) of (i) any proceeds of Collateral received by Lender, and (ii) any
payments of principal, interest, penalties, fees or costs received by Lender
with respect to the Participation Loan, shall not be deemed to be the property
of Lender and shall be held in trust by Lender for the benefit of each
Participant until remitted to each Participant in accordance with this
Agreement.

         22. Governing Law. This Agreement shall be governed by and construed in
accordance with the laws of the State of Michigan.

         23. Captions. The paragraph captions in this Agreement have been
inserted solely for ease of reference, and are not a part of this Agreement.

         24. Entire Agreement. This Agreement embodies the entire agreement and
understanding between Lender and Participants and supersedes any and all prior
agreements and understandings with respect to the subject matter hereof,
including, without limitation, the Original Participation Agreement. This
Agreement may not be amended or in any manner modified unless such amendment or
modification is in writing and signed by all parties. This Agreement may be
executed by the parties hereto in separate counterparts, each of which when so
executed and delivered shall be an original, but all such counterparts shall
together constitute but one and the same instrument. If any provision hereof
would be invalid under applicable law, then such provision shall be deemed to be
modified to the extent necessary to render it valid, while most nearly
preserving its original intent; no provision hereof shall be affected by another
provision being held invalid.

25. Dispute Resolution. Any and all disputes, controversies or claims arising
out of or related in any way to this Agreement shall be resolved as provided in
this Section 25; provided, however, that any party may seek a preliminary
injunction or other provisional judicial relief if, in its judgment, such action
is necessary to avoid irreparable damage or to preserve the status quo. Despite
any such action, the parties will continue to participate in good faith in the
procedures set forth in this Section 25. The parties shall meet promptly to make
a good faith effort to resolve any dispute arising under this Agreement. If the
good faith attempts to resolve the dispute are unsuccessful, the parties shall
submit such dispute to arbitration. All such arbitration proceedings shall be
held in the Detroit, Michigan metropolitan area and shall be conducted under the
rules of the American Arbitration Association (the "Rules"). A single arbitrator
(the "Arbitrator") mutually agreeable to the parties shall preside over such
proceedings and shall make all decisions with respect to the resolution of the
dispute, controversy or claim between the parties. In the event the parties are
unable to agree on the Arbitrator within fifteen

                                       14
<PAGE>

(15) days after either party has filed for arbitration in accordance with the
Rules, they shall select a truly neutral arbitrator in accordance with the Rules
for the selection of neutral arbitrators, who shall be the "Arbitrator" for the
purposes of this Section 25. The decision of the Arbitrator shall be final and
binding on the parties, and a judgment may be entered in a court of competent
jurisdiction in order to enforce the Arbitrator's award. The parties shall be
entitled to reasonable levels of discovery (as determined by the Arbitrator in
his or her sole and absolute discretion) in accordance with the Federal Rules of
Civil Procedure. The parties also hereby acknowledge that it is their intent to
expedite the resolution of the dispute, controversy or claim in question, and
that the Arbitrator shall schedule the timing of the hearing consistent with
that intent. During the course of the proceedings, all fees to be paid to the
Arbitrator, and all expenses incurred by the Arbitrator in connection with the
arbitration, shall be borne equally by the parties. However, the Arbitrator
shall award all costs, expenses and fees, including without limitation the
Arbitrator's costs, expenses and fees and the prevailing party's reasonable
attorneys' fees, to the party prevailing in the Arbitration as part of any
award.

                            [signature page attached]

                                       15
<PAGE>

         IN WITNESS WHEREOF, the parties have executed this Second Amended and
Restated Participation Agreement as of December 30, 2002.

                                     "LENDER"

                                     SUN HOME SERVICES, INC., a Michigan
                                     corporation

                                     By:   /s/  Jeffrey P. Jorissen
                                           -------------------------------------
                                     Its:  Chief Financial Officer
                                           -------------------------------------

                                     "WOODWARD"

                                     Woodward Holding, LLC,
                                     a Michigan limited liability company

                                     By:  /s/  Paul A. Halpern
                                        ----------------------------------------
                                           Paul A. Halpern, Manager

                                     "TRUST"

                                              /s/   Arthur A. Weiss
                                     -------------------------------------------
                                     Arthur A. Weiss, solely in his capacity as
                                     co-Trustee of the Milton M. Shiffman
                                     Spouse's Marital Trust under Trust
                                     Agreement dated April 22, 1994

                                              /s/  Lois T. Shiffman
                                     -------------------------------------------
                                     Lois T. Shiffman, solely in her capacity as
                                     co-Trustee of the Milton M. Shiffman
                                     Spouse's Marital Trust under Trust
                                     Agreement dated April 22, 1994

                                       16

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