Document:

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Exhibit 4.1
                         2002 STOCK COMPENSATION PLAN I

         THIS STOCK COMPENSATION PLAN I adopted this 16th day of May, 2002, by
MIRACOR DIAGNOSTICS, INC., a Utah corporation with its principal place of
business being located at 9191 Towne Centre Drive - Suite 400, San Diego,
California 92122.

                                   WITNESSETH:

         WHEREAS, the Board of Directors of Miracor Diagnostics, Inc., (the
"Company") has determined that it would be to its advantage, and in its best
interests, to grant certain consultants and advisors, as well as certain
employees the opportunity to purchase stock in the Company as a result of
compensation for their service; and

         WHEREAS, the Board of Directors (the "Board") believes that the Company
can best obtain advantageous benefits by issuing stock to such designated
individuals from time to time.

         NOW THEREFORE, the Board adopts this as the 2002 Stock Compensation
Plan I (the "Plan").

1.00     EFFECTIVE DATE AND TERMINATION OF PLAN
         --------------------------------------
         The effective date of the Plan is May 16, 2002, which is the day the
Plan was adopted by the Board. The Plan will terminate on the earlier of the
date of the grant of the final option for last common stock allocated under the
Plan or five years from the date thereof, whichever is earlier.

2.00     ADMINISTRATION OF PLAN
         ----------------------
         The Plan shall be administered by the Board, which may adopt such rules
and regulations for its administration as it may deem necessary or appropriate,
or may be administered by a Compensation Committee to be appointed by the Board,
to have such composition and duties as the Board may from time to time
determine.

3.00     ELIGIBILITY TO PARTICIPATE IN THE PLAN
         --------------------------------------
         3.01 Subject to the provisions of the Plan, the Board, or its designee,
shall determine and designate, from time to time those consultants, advisors,
and employees of the Company, or consultants, advisors, and employees of a
parent or subsidiary corporation of the Company, to whom shares are to be issued
hereunder and the number of shares to be issued from time to time to any
individual or entity. In determining the eligibility of an individual or entity
to receive shares, as well as in determining the number of shares to be issued
to any individual or entity, the Board, or its designee, shall consider the
nature and value to the Company for the services which have been rendered to the
Company and such other factors as the Board, or its designee, may deem relevant.

         3.02 To be eligible to be selected to receive stock, an individual must
be a consultant, advisor or an employee of the Company or a consultant, advisor,
or an employee of a parent or subsidiary Corporation of the Company. The
issuance of stock shall be confirmed by the action of the Board or its designee.
Shares shall be issued directly to such entities.

         3.03 Stock may be issued to any individual or entity eligible
hereunder, regardless of his previous stockholdings.

         3.04 The issue price of the stock for which any person may be issued
under this Plan (and all other plans of the Company) may be increased or reduced
by the Board, or its designee, from time to time.

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4.00     NUMBER OF SHARES SUBJECT TO THE PLAN
         ------------------------------------
         4.01. The Board, shall reserve for the purposes of the Plan a total of
Nine Hundred Fifty Thousand (950,000) of the authorized but unissued shares of
common shares of the Company.

5.00     PRICE OF COMMON SHARES
         ----------------------
         5.01. The initial and standard price per share of common stock to be
issued directly shall be $.20 per share but may be changed in each case by the
Board, or its designee, from time to time. If the share price is changed, the
Board, or its designee, shall determine the share price no later than the date
of the issuance of the shares and at such other times as the Board, or its
designee, deems necessary. The Board shall have absolute final discretion to
determine the price of the common stock under the Plan. In the absence of such
specific determination, the share price will be $.20 per share.

6.00     RESTRICTIONS ON TRANSFER
         ------------------------
         6.01 No right or privilege of any person under the Plan shall be
transferable or assignable, except to the person's personal representative in
the event of the person's death, and except as provided in Section 6.02, the
right to receive stock granted hereunder is exercisable only by the person
during his life.

         6.02 If an person dies holding the right to receive stock to be issued
pursuant to this Plan, his personal representative shall have the right to
exercise such right for only within one year after the date of the death of the
person.

7.00     RECLASSIFICATION, CONSOLIDATION OR MERGER
         -----------------------------------------
         If and to the extent that the number of issued shares of common stock
of the Company shall be increased or reduced by change in par value, split-up,
reclassification, distribution of a dividend payable in stock, or the like, the
number of shares subject to direct issuance and the price thereof per share
shall be proportionately adjusted. If the Company is reorganized or consolidated
or merged with another corporation, the person shall be entitled to receive
direct issuance covering shares of such reorganized, consolidated, or merged
company in the same proportion, at an equivalent price, and subject to the same
conditions.

8.00     DISSOLUTION OR LIQUIDATION
         --------------------------
         Upon the dissolution or liquidation of the Company, the rights granted
hereunder shall terminate and become null and void, but the person shall have
the right immediately prior to such dissolution or liquidation to exercise any
right granted and exercisable hereunder to the full extent not before exercised.

9.00     BINDING EFFECT
         --------------
         This Plan shall inure to the benefit of and be binding upon the Company
and its employees, and their respective heirs, executors, administrators,
successors and assigns.

10.00    ADOPTION OF PLAN
         ----------------
         This Plan has been duly adopted by the Board of Directors of the
Company on May 16, 2002.

11.00    NOTICES
         -------
         Any notice to be given to the Company under the terms of this plan
shall be addressed to such address as is set forth on the first page hereof.

         IN WITNESS WHEREOF, the Company has caused this Plan to be executed on
its behalf by its President, to be sealed by its corporate seal, and attested by
its Secretary effective the day and year first above written.

                                          MIRACOR DIAGNOSTICS, INC.
                                          By /s/ M. Lee Hulsebus
                                            --------------------------
                                             Chief Executive Officer
ATTEST:

/s/ Ross S. Seibert
---------------------------
      Secretary
(SEAL)
                                       26<PAGE>

                                                                  EXHIBIT 10.237

                             EMPLOYMENT AGREEMENT

THIS EMPLOYMENT AGREEMENT ("Agreement") is entered into as of February 1, 2002
by and between MEGO FINANCIAL CORP., a New York corporation ("Company") and
FLOYD W. KEPHART ("Executive").

                                    RECITAL

Company desires to employ Executive pursuant to the terms and conditions of this
Agreement and Executive desires to be so employed.  Accordingly, in
consideration of the terms and conditions of this Agreement and other good and
valuable consideration as acknowledged by the parties hereto, Company and
Executive hereby agree as follows.

I.   EMPLOYMENT - Commencing February 1, 2002 to and including January 31, 2005
(the "Term") the Company hereby employs Executive as President and Chief
Executive Officer of Company.  Subject only to early termination of this
Agreement as provided herein, neither the Executive's responsibilities or title
may be in any manner be altered, amended or changed by the Company without the
Executive's written consent.  The Term may be extended for one additional two
(2) year period, pursuant to the same terms and conditions of this Agreement, by
mutual written agreement, to be executed, if at all, on or before January 31,
2005.

II.  NATURE OF EMPLOYMENT

          A.  GENERAL DUTIES - Executive shall render all services usually and
customarily rendered by and reasonably required of executive officers similarly
employed in the timeshare industry, and such other services as may reasonably be
required by Company which are consistent with Executive's position, experience
and level of compensation.  Executive shall render all such services in
accordance with such policies of Company as may be in effect from time to time,
subject at all times to the lawful directives (including, without limitations
those relating to budgetary and financial matters), direction and control of
Company's Board of Directors ("Board").

          B.  LOCATION OF EMPLOYMENT - Except for business trips in the ordinary
course of business, Executive shall be employed in the Las Vegas area or Los
Angeles area and may not be transferred outside of such area (s) without
Executive's written consent.

          C.  EXCLUSIVITY - Executive shall devote his best efforts and work
time to advance the interests of the Company, and Executive's services shall be
rendered exclusively to the Company. The Executive agrees not to become
financially interested in or associated with, directly or indirectly, any other
person or entity engaged in the development, sale and operation of land or
timeshare properties; provided, that Executive may invest in up to 5% of the
capital stock or other securities of any such corporation whose stock or other
securities are publicly owned or are regularly traded on any securities exchange
or in the over-the-counter market. Executive may serve on the

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Board of Directors, Trusts, Advisory Committees or provide other services to
non-competitive third party organizations provided such activities do not
constitute more than 10% of the time of the Executive.

III. COMPENSATION - Executive shall be compensated as described below.

          A.  BASE SALARY - Executive shall be paid an annual salary of Three
Hundred Sixty Thousand Dollars U.S. ($360,000.00) ("Base Salary"). Executive's
Base Salary shall be paid in accordance with the Company's payroll policies for
Executive employees, subject to withholding as required by applicable federal,
state and / or local laws or orders, but no less frequently than monthly.
Executive shall be reimbursed for all expenses incurred on behalf of the Company
within thirty (30) days of submission for reimbursement.

          B.  DISCRETIONARY BONUS - Executive may be paid a bonus, in
cash or Company stock, from time to time at the discretion of the Board.

          C.  AUTOMOBILE - The Company shall purchase for Executive's
use an automobile ("Automobile") which would lease for not greater than twelve
thousand dollars U.S. ($12,000.00) per annum.  So long as Executive is not
dismissed for cause, as hereinafter defined, at the conclusion of the Term,
Executive shall have the right to acquire the Automobile from the Company for
the then lowest Blue Book value.

          D.  COMPANY STOCK OPTIONS - In addition to any Company Stock Options
("Options") that may be granted to Executive by the Board or pursuant to the
Company's Stock Option Plan, on January 31st of each year during the Term, the
Company shall grant Options to the Executive equal to the Company's then issued
common stock, determined on a fully diluted basis, times one percent (1%). The
Options shall be granted as Incentive Stock Options at the then current Company
stock market value determined by the ten (10) day trading average for the ten
(10) days immediately prior to the respective grant. The Options shall be for a
term of five (5) years and shall provide for a cashless exercise.

No options shall be granted under this Section II.D. unless, as of
December 31/st/ of the year immediately prior to a respective grant, the Company
has a net profit.

          E.   INSURANCE - During the Term, the Executive will be provided
with the following coverages all at the Company's sole cost and expense.

               1)  Automobile - The Company shall provide collision, liability
and comprehensive coverage for the Automobile in amounts reasonably acceptable
to Company and Executive.

               2)  Life Insurance - The Company shall provide life

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insurance for the Executive in the amount of one million dollars U.S.
($1,000,000.00).  The Executive shall name the policy beneficiary.  The life
insurance company shall be reasonably acceptable to Executive and Executive
agrees to submit to a physical examination as may be required by the insurer.

               3)  Long Term Disability ("LTD") Insurance - The Company shall
provide LTD Insurance which shall provide the Executive with not less than sixty
percent (60%) of his Base Salary during any period of disability and have a
waiting period of not more than ninety (90) days.

               4)  Key Man Life Insurance - The Company shall purchase a five
million dollar U.S. ($5,000,000.00) Key Man Life Insurance Policy with the
Company named as beneficiary. Executive shall cooperate fully with the Company
in obtaining such insurance and shall submit to such physical examinations and
provide such information as reasonably required to obtain this policy.

               5)  Directors and Officers ("D&O") Insurance - The Company shall
provide a D&O Insurance policy issued by a company or companies and having terms
and conditions reasonably acceptable to Executive, in an amount not less than
fifteen million dollars U.S. ($15,000,000.00).

V.   BOARD MEMBERSHIP - During the Term, the Company shall include Executive in
its slate of nominees for Company's Board of Directors for each respective
election and shall take all actions and vote all proxies held by the Board or
any Company representative of the Board in favor of the Executive's election.

VI.  BENEFITS - During the Term the Executive will be provided with the
following benefits.

     A.   VACATION - Executive shall be entitled to paid vacation time of twenty
(20) days per year.  Vacation time will be used with due consideration to the
performance of Executive's services.  Any unused vacation time will accrue
during the Term and be paid to Executive upon expiration of this Agreement.

     B.   MOVING EXPENSE - If the Executive moves to Las Vegas, he will be
provided a twenty five thousand dollar U.S. ($25,000.00) moving expense.

     C.   COMMUTING TO LAS VEGAS - Until such time, if at all, as the Executive
moves to Las Vegas, he will be reimbursed for his costs of commuting from Los
Angeles to Las Vegas and corporate housing, reasonably accepted to Executive,
shall be provided to Executive in Las Vegas.

     D.   BUSINESS TRAVEL - Executive's business and commuting travel shall be
done on commercial air flights in Business class, if available, otherwise in
First Class.  If necessary in terms of Executive's time and the location of
Executive's travel,

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Executive may use his reasonable discretion to fly in private aircraft. For all
overnight travel, Executive shall stay in accommodations reasonably acceptable
to Executive.

      E.  OTHER BENEFITS - Notwithstanding any benefits provided Executive
pursuant to this Agreement, Executive shall be entitled to participate in all
Mego benefit programs that may be offered to Mego executives from time to time.

VII.  RESULTS AND PROCEEDS - Company shall be the sole owner of all the results
and proceeds of Executive's services hereunder, including, but not limited to,
all ideas, concepts, formats, suggestions, developments, arrangements, designs,
packages, programs, promotions and other intellectual properties which Executive
may create during the term hereof within the scope of his employment hereunder,
free and clear of any claims by Executive (or anyone claiming under Executive)
of any kind or character whatsoever other than Executive's right to compensation
and benefits hereunder.  Executive shall, at the request of Company, execute
such assignments, certificates or other instruments as Company may from time to
time deem necessary or desirable to evidence, establish, maintain, perfect,
protect, enforce or defend its right, title and interest in or to any such
properties and product.

VIII. CONFIDENTIALITY - In the course of his employment, Executive may be
assigned to duties giving Executive knowledge or information that is of a
secret, confidential or proprietary nature ("Confidential Information").
Executive agrees that during the Term and thereafter, Executive will not
disclose any Confidential Information to anyone or make use of any Confidential
Information outside Executive's employment by Company.

IX.   COVENANT TO DELIVER RECORDS - During Executive's employment by Company,
Executive will hold as the Company's property all memoranda, books, papers,
letters, price lists, contracts, agreements and the like, and all copies
thereof, in any way relating to the business or operations of Company, whether
made by Executive or coming into Executive's possession.  Upon the termination
of Executive's employment or on demand at any time prior thereto,  Executive
shall deliver the same to Company, without retaining any copies thereof.

X.    INDEMNIFICATION - Company shall, to the maximum extent permitted by law,
indemnify and hold Executive harmless from and against all claims, actions,
causes of actions, judgments, liabilities, obligations and expenses, including
without limitation, attorneys' fees, court costs, judgments, fines, settlements,
and other amounts actually incurred arising out of, relating to or in connection
with Executive's employment by Company, his services as an officer of Company,
or the discharge of his duties hereunder.  Company shall advance to Executive
any expenses incurred in defending any such proceeding to the maximum extent
permitted by law.

XI.   TERMINATION

      A.  BY COMPANY - Company may terminate this Agreement prior to

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expiration of the term hereof only as follows:

          1.  DEATH OR DISABILITY - Company may immediately terminate this
Agreement in the event of the death of Executive, or if Executive becomes
disabled, which is defined as Executive not being able to substantially perform
all his obligations hereunder for a period of three (3) consecutive months or
three (3) months in the aggregate during any consecutive six (6) month period.
In the event of Executive's disability, it is specifically understood that
Company shall continue to pay Executive all compensation provided hereunder
throughout the three (3) month period described above. In the event of a
disagreement concerning Executive's disability, the matter shall be resolved by
a majority decision of three (3) practicing physicians, one selected by
Executive, one selected by Company, and one selected by both such physicians.

          2.  CAUSE - Company may terminate Executive's employment hereunder at
any time for cause, which shall mean any of the following: (A) fraud or
embezzlement or conviction of Executive of any felony or crime involving moral
turpitude or larceny; (B) intentional or negligent dereliction in the
performance of Executive's duties or responsibilities; (C) willful breach of any
material duty by Executive within the course of Executive's employment
hereunder; (D) knowingly imparting Confidential Information relating to the
business of Company or its personnel in violation of this Agreement; or (E) the
material breach of any other material provision of this Agreement not enumerated
above including, without limitation, the failure to carry out any lawful
directive of the Board not inconsistent with the provisions of this Agreement.
In the case of an event described in clause XI.A.2. (B), (C) or (E) above,
Company may terminate Executive's employment hereunder only by giving Executive
thirty (30) days' prior written notice specifying in reasonable detail the
elements of the alleged material breach, during which period Executive shall be
afforded the opportunity to be heard by the Board and shall have the opportunity
to cure any breach in which case such notice shall be deemed rescinded.

     B.   By Executive - Executive may terminate this Agreement prior to the
expiration of the term hereof if (i) Company is in material breach of this
Agreement and such breach continues for a period of thirty (30) days after
written notice thereof; (ii) any action by Company results in a material
diminution in Executive's position (including status, titles, and reporting
requirements), authority, duties, responsibilities or level of compensation and
benefits; or (iii) a "Change of Control" occurs. For purposes of this Agreement,
the term "Change in Control" means: (a) the obtaining of control by any person
or "group" (other than the persons who own five percent (5%) or more of the
shares of the Company as identified in the Company's Registration Statement on
Form S-3 filed in connection with LC Acquisition Corp.'s acquisition of
securities of the Company) within the meaning of Section 13(d) or Section
14(d)(2) of the Securities Exchange Act of 1934, as amended (the "Exchange
Act"), of beneficial ownership (within the meaning of the Rule 13d-3 promulgated
under the Exchange Act), directly or indirectly, of voting securities of the
Company representing 25% or more of the combined voting power of the Company's
then outstanding voting securities entitled to

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vote generally in the election of directors; or (b) such time as a majority of
the Board shall be comprised of persons who were not elected to such offices as
part of the "Company-nominated slate" of directors (i.e., the slate of nominees
proposed by the Board in office immediately prior to the election); provided,
however, that this clause shall not apply in the event one or more directors
voluntarily resign from the Board.

Executive may terminate this Agreement without cause at any time following one
year of employment by providing the Company with not less than a one hundred and
eighty (180) day written notice of his intention to so terminate.

C.   Effect of Termination.

     1.   If Executive's employment is terminated by Company pursuant to
Sections XI.A.1 or XI.B., or by the Executive pursuant to Section XI.B,
Company's obligations shall be limited to the following: (i) payment of
Executive's salary through and including the effective date of termination,
which for purposes of this Agreement shall be the last day on which Executive
performed services pursuant to the terms of this Agreement, unless the notice of
termination of this Agreement provides for payment through a later date; (ii)
payment of the salary equivalent of all accrued and unused vacation time; (iii)
reimbursement of any ordinary and necessary business expenses previously
incurred by Executive; and (iv) severance payments for a period and in an amount
equal to one year base salary for each year or portion thereof for which
Executive has served, or the salary remaining due under the Agreement for the
balance of the Term, whichever is less.

     2.   Any severance payments under this Agreement shall be made in
accordance with Company's normal payroll practices for the severance period.
Executive shall also be provided with life insurance, disability insurance and
health insurance benefits consistent with this Agreement for the duration of the
severance period. Executive shall have no obligation to mitigate and seek other
employment, and no payments required to be made hereunder shall be offset by any
amounts received in mitigation or as a result of other employment obtained by
Executive.

     3.   If Executive's employment is terminated and Executive has taken more
vacation than Executive has accrued, Company shall deduct the amount of such
vacation advance from Executive's final paycheck.

     4.   To the extent they are not already vested or exercisable, all Options
held by Executive shall become immediately exercisable upon Executive's
termination. The termination of this Agreement and Executive's employment
hereunder shall not affect Executive's right to exercise any Options in
accordance with the terms of Company's Stock Option Plan, and shall not relieve
either party from any liability or damage directly or indirectly arising out of
any breach of or default under this Agreement or any failure to comply with or
perform any obligations under this Agreement, and termination of Executive's
employment shall not affect Company's rights under Articles VII, VIII and IX of
this Agreement.

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      5.  The termination of this Agreement and Executive's employment
hereunder shall not relieve either party from any liability or damage directly
or indirectly arising out of any breach of or default under this Agreement or
any failure to comply with or perform any obligations under this Agreement.

XII.  REPRESENTATIONS AND WARRANTIES OF EMPLOYEE - Executive represents and
warrants that Executive has the full right, power, authority and capacity, and
is free, without restriction, to enter into and perform this Agreement.

XIII. CONFIDENTIALITY OF AGREEMENT; ANNOUNCEMENT - The terms of this Agreement
are confidential and shall not be disclosed to anyone by Executive, or the
Company, except for the Executive's attorney and accountant or as required by
legal or governmental compulsion or as may be necessary or desirable in dealing
with or in response to a governmental or administrative agency, including, but
not limited to, the Securities and Exchange Commission, for accounting purposes,
or in connection with the financing, sale, merger, or reorganization of the
Company.

XIV.  GENERAL

      A.  Assignment - Neither party may assign this Agreement without the prior
written consent of the other party. Subject to the foregoing, this Agreement
shall be binding upon and inure to the benefit of the parties hereto and there
respective heirs, administrators, executors, successors, and assigns.

      B.  Headings - The subject headings of the paragraphs of this Agreement
are included for purposes of convenience only, and shall not affect the
construction or interpretation of any of its provisions.

      C.  Severability - It is agreed that if any term, covenant, provision,
paragraph or condition of this Agreement shall be illegal, such illegality shall
not invalidate the whole Agreement but it shall be construed as if not
containing the illegal part, and the rights and obligations of the parties shall
be construed and enforced accordingly.  Nothing herein contained shall be
construed so as to require the commission of any act contrary to law, and
whenever there is a conflict between any provision of this Agreement and any law
contrary to which the parties have no legal right to contract, the latter shall
prevail, but in such event the provision of this Agreement so affected shall be
curtailed and limited only to the extent necessary to bring it within the legal
requirements.

      D.  Entire Agreement -  The parties hereto agree that this Agreement
supersedes all existing agreements between Company and Executive, whether oral,
written, expressed or implied, and contains the entire understanding and
agreement between the parties hereto with respect to the subject matter hereof.
This Agreement shall not be amended, modified, or supplemented in any respect
except by a subsequent written agreement entered into by both parties hereto and
approved by the Board of

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Directors of Company.

      E.  Choice of Law - This Agreement shall be construed and enforced in
accordance with the laws of the State of Nevada applicable to agreements fully
executed and performed entirely in such state.  The courts of such state shall
have exclusive jurisdiction over all controversies arising out of or in
connection with this Agreement.

      F.  Attorney's Fees - If either party hereto shall bring any action, suit
or proceeding against the other party arising out of or relating to this
Agreement, the validity hereof, or any of the terms or provisions hereof, the
prevailing party in such action or proceeding shall be entitled to recover from
the losing party all reasonable costs and expenses incurred in such action, suit
or proceeding, including any attorneys' fees and court costs incurred in
connection therewith, in such amount as may be determined by the court having
jurisdiction of such action, suit or proceeding.  This Section shall survive the
entry of any judgment, shall not be merged therein, and shall include all
attorneys' fees and costs incurred in enforcing the judgment.

      G.  Notices - All communications and notices hereunder shall be in writing
and shall be sent by United States registered or certified mail, postage
prepaid, return receipt requested, or by personal delivery or telecopy
transmission, effective when received or, if mailed, three (3) days after the
date of mailing, to the addresses set forth below:

If to Company:    Mego Financial Corp.
                  4310 Paradise Road
                  Las Vegas, NV 89109
                  Telecopy: (702) 369-4398
                  Attention: Jon A. Joseph, General Counsel

If to Executive:  Floyd W. Kephart
                  2254 Gloaming Way
                  Beverly Hills, CA 90210
                  Telecopy: (310) 276-4045

or to such other addresses as may be set forth in a written notice given by
either party to the other party in the manner described in this paragraph.

      H.  No Joint Venture - Nothing herein contained shall constitute a
partnership between or joint venture by the parties hereto.  No party shall hold
itself out contrary to the terms of this paragraph and, except as otherwise
specifically provided herein, no party shall become liable for the
representation, act or omission of any other party.  This Agreement is not for
the benefit of any third party who is not referred to herein and shall not be
deemed to give any right or remedy to any such third party.

      I.  No Waiver - The failure of Company at any time to require Executive's
performance of any provision hereof shall not affect its right thereafter to
enforce the

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same, nor shall the waiver by Company of any breach of any provision hereof be
construed to be a waiver of any succeeding breach of any such provision, or as a
waiver of the provision itself.

     IN WITNESS WHEREOF, the parties have executed this Agreement effective as
of the day and year first above written.

"Company"

MEGO FINANCIAL CORP.,
a New York corporation

__________________________
By:  Jon A. Joseph
Its: Senior Vice President

"Executive"

__________________________
Floyd W. Kephart

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