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Exhibit 10.2

SECURED CREDIT RESTRUCTURING AGREEMENT

This Secured Credit Restructuring Agreement (the "Agreement") is entered into this 29th day of April, 2009, by and among
MMR Information Systems, Inc. (formerly Favrille, Inc.), a Delaware corporation ("Parent"), MyMedicalRecords, Inc. (formerly
mymedicalrecords.com, Inc.), a Delaware corporation ("MMR"), The RHL Group, Inc., a California corporation ("RHL
Group" or "Lender"), and  Robert H. Lorsch, an individual ("Lorsch").

WHEREAS, MMR previously executed a Secured Promissory Note dated July 30, 2007 in favor of RHL Group (the
"Original Note"), which Original Note was amended and restated by the Amended and Restated Secured Promissory Note dated
August 23, 2007 (the "First Amended Note"), and was further amended and restated by the Second Amended and Restated
Secured Promissory Note dated August 1, 2008 (the "Second Amended Note"), in connection with the provision of a Reserve Line
of Credit by The RHL Group and possible increases in the amount thereof. 

WHEREAS, as contemplated by the Original Note, MMR and the RHL Group entered into a Security Agreement dated July
31, 2007 (the "MMR Security Agreement").  The benefits of the MMR Security Agreement have extended to the First Amended
Note and the Second Amended Note, as contemplated therein.

WHEREAS, MMR, Parent, and a wholly-owned subsidiary of Parent entered into that certain Agreement and Plan of Merger
and Reorganization dated November 8, 2008 (the "Merger Agreement"), pursuant to which a wholly-owned subsidiary of Parent
would merge with and into MMR (the "Merger"), which Merger occurred on January 27, 2009.  By virtue of the Merger, MMR
became a wholly-owned subsidiary of Parent and RHL Group became a significant stockholder of Parent.  As contemplated by the Merger
Agreement, Lorsch became Chairman, Chief Executive Officer and President of Parent effective as of the closing of the Merger.  

WHEREAS, concurrent with the execution of the Merger Agreement, Parent, MMR and Kershaw Mackie & Co. entered
into a Creditor Plan (the "Creditor Plan") to arrange for settlement of the outstanding known creditor claims of Parent.  

WHEREAS, as contemplated by the Creditor Plan and in satisfaction of a condition to the closing of the Merger as provided
in the Merger Agreement, RHL Group and MMR entered into an Allonge dated January 27, 2009 (the "Allonge") to be attached to
the Second Amended Note, pursuant to which RHL Group agreed to suspend certain rights under the Second Amended Note, and make
certain modifications to the Second Amended Note and MMR Security Agreement for so long as the Allonge remained in effect.  

WHEREAS, as contemplated by the Merger Agreement, the Creditor Plan and the Allonge, RHL Group and Parent and NCC
Group, Inc., a Virginia corporation ("NCC") entered into that certain Promissory Note Escrow Agreement dated January 27, 2009
(the "PNEC"), and the Second Amended Note and Allonge were to be delivered to NCC to be held in escrow.

WHEREAS, prior to the Merger, RHL Group provided guarantees to third parties with respect to obligations of MMR  in an
aggregate amount not less than $300,000 and, subsequent to the execution of the Allonge and consummation of the Merger and
notwithstanding the absence of any obligation on the part of RHL Group or Lorsch to do so, RHL Group has loaned funds to MMR, paid or
advanced funds to third parties on behalf of MMR and provided guarantees to third parties with respect to obligations of MMR (collectively,
"Loans, Advances and Guarantees") in an aggregate amount that is not less than $100,000.

WHEREAS, Parent and MMR have both an immediate and a longer term need for access to funding and financial resources
that currently cannot be provided by operations and currently is not available from third party sources in sufficient amounts and on satisfactory
terms.

WHEREAS, RHL Group has indicated its willingness to make additional Loans, Advances and Guarantees and to assist
Parent and MMR in obtaining additional financing from third parties, in each case that are not required by the terms of the Second Amended
Note and Allonge or by any other agreement, but RHL Group has conditioned its willingness to do so upon there being modifications to
arrangements currently evidenced by the Second Amended Note and Allonge, the Security Agreement and the PNEC.

WHEREAS, Parent and MMR have determined that  it advisable and in the best interests of Parent, the stockholders of
Parent and MMR to enter into this Agreement and other agreements, amendments, supplements, modifications and terminations contemplated
by this Agreement.

NOW, THEREFORE, in consideration of the mutual covenants contained herein and other good and valuable
consideration, the receipt and sufficiency of which is hereby acknowledged, the parties hereby agree as follows:

1.The Third Amended Note

1.1.Simultaneously with the execution of this Agreement, MMR shall execute and deliver to RHL Group a Third Amended and
Restated Secured Promissory Note (the "Third Amended Note"), substantially in the form of Exhibit A hereto, in the
maximum amount of $3,000,000 and bearing interest at the lesser of 10%  or the highest rate permitted by law. 

1.2.In order to induce RHL Group to enter into this Agreement, Parent agrees to guarantee the performance of MMR's obligations
under the Third Amended Note, and simultaneously with the execution of this Agreement, Parent shall execute and deliver to RHL Group the
Guaranty, substantially in the form of Exhibit B hereto (the "Guaranty").

1.3.MMR, RHL Group and Lorsch agree that the terms of the MMR Security Agreement shall be deemed to apply to the Third
Amended Note for all advances made, to the same extent, validity, security and priority as to advances under the Original Note, the First
Amended Note and the Second Amended Note. 

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1.4.MMR and Parent agree to execute any further documentation necessary, including revised filings required under the California
version of the Uniform Commercial Code, reasonably necessary to protect the RHL Group's interests under this Agreement and the MMR
Security Agreement.

2.Covenants of RHL Group and Lorsch

2.1.  RHL Group covenants that, during the period commencing on the date of this Agreement and ending thirty days
thereafter, RHL Group will make Loans, Advances and Guarantees that, in the aggregate, are not less than $100,000.

2.2Provided that, as of November 1, 2009, the Company is in full compliance with it covenants and other obligations under the
Third Amended Note, the Security Agreement and this Agreement, then RHL Group shall extend, subject to terms to be negotiated at that
time, extend the maturity date of the Third Amended Note for a period of six months.

2.3. Lorsch covenants that he will, not later than May 1, 2009, exercise all outstanding Company stock options then held by him.
RHL Group agrees to provide the aggregate exercise price by reducing the principal amount due to RHL Group by MMR under the Third
Amended Note by an equivalent amount.

2.4The RHL Group shall use commercially reasonable efforts to assist the Company in arranging for funding of the Company and
MMR by third parties.

3.Termination of Allonge and PNEC.  

3.1In consideration of the extension of additional credit to MMR and the other covenants of RHL Group and MMR contained
herein, Parent and MMR agree to terminate the Allonge and the PNEC.

3.2.Parent and MMR agree to instruct NCC to return the original of the Allonge immediately to the RHL Group;

3.3.Parent and MMR agree to instruct NCC to return the original of the Second Amended Note to the RHL Group;

3.4.Any and all "Suspended Rights", as that term is used in the Allonge, shall be no longer suspended, and shall
become immediately enforceable and effective;

3.5.Any "Modifications", as that term is used in the Allonge, shall be abrogated;

3.6.The Allonge shall be, and it hereby is, ineffective and void.

3.7.Parent and MMR agree to terminate the PNEC and that NCC shall have no further duties or concerns with respect thereto,
and shall return any and all documents deposited into this escrow.  Any unpaid billings of NCC shall be paid by Parent.

                                           - 3 -

3.8.Nothing contained herein shall waive, affect or modify any right that RHL Group might have other than as specifically set forth
herein.  In the event of any inconsistency between this Agreement and any other prior agreement, this Agreement shall control. 

4.Miscellaneous

4.1.Any delay by any party in enforcing its rights under this, or any other agreement, shall not be deemed to be a waiver of any of its
procedural or substantive rights.

4.2.No representations or promises of any party described herein may be amended or varied in any way except by a subsequent
writing signed by such party.   Specifically, no oral modifications of any agreement, whether now or in the past entered into, shall be effective;
nor shall any such alleged, or claimed, oral modification be admissible in any court of law.

 

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IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the date first written above.

MMR Information Systems, Inc., a 

   Delaware corporation

____/s/ Naj Allana________________

   By: Naj Allana

   CFO

 

MyMedicalRecords, Inc., a Delaware

   corporation

____/s/ Naj Allana________________

   By: Naj Allana

   CFO

The RHL Group, Inc.

____/s/ Robert H. Lorsch_CEO_______

   By: Robert H. Lorsch

 

 

____/s/ Robert H. Lorsch__________

   Robert. H. Lorsch

 

 

 

                                           - 5 -_

Exhibit 10.3

GUARANTY

WHEREAS, The RHL Group, Inc., a California corporation ("RHL Group") has agreed to lend certain funds to
MyMedicalRecords, Inc., a Delaware corporation (formerly mymedicalrecords.com, Inc.) ("MMR");

WHEREAS, MMR is the wholly owned subsidiary of MMR Information Systems, Inc., a Delaware corporation (formerly Favrille, Inc.)
("Parent" or "Guarantor"); and

WHEREAS, Parent desires to induce the RHL Group to so enter into the Agreement to lend certain funds to MMR;

The Parties agree as follows:

(1)For valuable consideration, the Guarantor unconditionally guarantees and promises to pay to RHL Group, or at its order, in lawful money
of the United States, an amount equal to any and all sums that are, or will be, due and owing under that certain Third
Amended and Restated Secured Promissory Note (the "Third Note") dated on or about April 29, 2009.

(2) The liability of Guarantor under this Guaranty shall not exceed at any one time, the sum of: (a)
the amount due under the Third Note; and (b) all interest, fees, and other costs and expenses relating to or arising out of the Third Note. This is a
continuing guaranty relating to any indebtedness, including that arising under successive transactions which shall either continue the indebtedness or
from time to time renew it after it has been satisfied. Any payment by Guarantor shall not reduce its maximum obligation hereunder.

(3) Guarantor authorizes RHL Group, without notice or demand and without affecting its liability hereunder, from time to time, either before or
after revocation hereof, to: (a) renew, compromise, extend, accelerate, or otherwise change the time for payment of, or otherwise change the terms of
the indebtedness or any part thereof, including increase or decrease of the rate of interest thereon; (b) receive and hold security for the payment of
this Guaranty or any of the indebtedness, and exchange, enforce, waive, release, fail to perfect, sell, or otherwise dispose of any such security; (c)
apply such security and direct the order or manner of sale thereof as RHL Group in its discretion may determine; and (d) release or substitute any one
or more of the endorsers or Guarantor.

(4) Guarantor waives any right to require RHL Group to: (a) first proceed against or exhaust any security held from MMR; or (b) pursue any
other remedy in RHL Group's power whatsoever. 

(5)Guarantor waives any defense arising by reason of any disability or any claim that Guarantor's obligations exceed or are more
burdensome than those of MMR. Until the indebtedness shall have been paid in full, even though the indebtedness is in excess of Guarantor's liability
hereunder, Guarantor waives any right of subrogation, reimbursement, indemnification, and contribution (contractual, statutory, or otherwise)
including, without limitation, any claim or right of subrogation under the Bankruptcy Code (Title 11, United States Code) or any successor statute. 

(6)Guarantor waives all presentments, demands for performance, notices of non-performance, protests, notices of protest, notices of
dishonor, and notices of acceptance of this Guaranty and of the existence, creation, or incurring of new or additional indebtedness.

(7)Guarantor waives any rights and defenses that are or may become available to Guarantor by reason of Sections 2787 to 2855, inclusive,
of the California Civil Code.

(8) No provision or waiver in this Guaranty shall be construed as limiting the generality of any other waiver contained in this Guaranty.

(9) Guarantor agrees to pay all reasonable attorneys' fees, including the costs of RHL Group's counsel, and all other costs and expenses
which may be incurred by RHL Group: (a) in the enforcement of this Guaranty or (b) in the preservation, protection, or enforcement of any rights of
RHL Group in any case commenced by or against Guarantor under the Bankruptcy Code (Title 11, United States Code) or any similar or successor
statute.

(10)This Guaranty shall be governed by and construed according to the laws of the State of California, to the jurisdiction of which the parties
hereto submit.

(11)    Notices to RHL Group shall be sent to:  Robert H. Lorsch, P.O. Box 17034, Beverly Hills 90210;  and by facsimile to 206-374-6136, with a
copy to : Robert M. Yaspan, by facsimile to (818) 501-7711.

(12)     Notices to Parent and MMR shall be sent to:  Chief Financial Officer, 29341⁄2 Beverly Glen Circle, Suite 702, Los Angeles, CA 90077; and
by facsimile to  206-374-6136.

Dated:April 29, 2009

"GUARANTOR"  (MMR Information Systems, Inc., a Delaware corporation, fka Favrille, Inc.)

____/s/ Naj Allana______________________

   By: Naj Allana, Chief Financial Officer

 

"MMR" (MyMedicalRecords, Inc., a Delaware corporation, fka mymedicalrecords.com, Inc.)

____/s/ Naj Allana______________________

   By: Naj Allana, Chief Financial Officer

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