Document:

<PAGE>

                                                                     Exhibit 4.9

                          CAPITAL SECURITY CERTIFICATE

THIS SECURITY HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS
AMENDED (THE "SECURITIES ACT"), OR ANY STATE SECURITIES LAWS OR ANY OTHER
APPLICABLE SECURITIES LAWS. NEITHER THIS SECURITY NOR ANY INTEREST OR
PARTICIPATION HEREIN MAY BE REOFFERED, SOLD, ASSIGNED, TRANSFERRED, PLEDGED,
ENCUMBERED OR OTHERWISE DISPOSED OF IN THE ABSENCE OF SUCH REGISTRATION OR
UNLESS SUCH TRANSACTION IS EXEMPT FROM, OR NOT SUBJECT TO, THE REGISTRATION
REQUIREMENTS OF THE SECURITIES ACT. THE HOLDER OF THIS SECURITY BY ITS
ACCEPTANCE HEREOF AGREES TO OFFER, SELL OR OTHERWISE TRANSFER SUCH SECURITY ONLY
(A) TO THE DEBENTURE ISSUER OR THE TRUST, (B) PURSUANT TO RULE 144A UNDER THE
SECURITIES ACT ("RULE 144A"), TO A PERSON THE HOLDER REASONABLY BELIEVES IS A
"QUALIFIED INSTITUTIONAL BUYER" AS DEFINED IN RULE 144A THAT PURCHASES FOR ITS
OWN ACCOUNT OR FOR THE ACCOUNT OF A QUALIFIED INSTITUTIONAL BUYER TO WHOM NOTICE
IS GIVEN THAT THE TRANSFER IS BEING MADE IN RELIANCE ON RULE 144A, (C) TO A
"NON-U.S. PERSON" IN AN "OFFSHORE TRANSACTION" PURSUANT TO REGULATION S UNDER
THE SECURITIES ACT, (D) PURSUANT TO AN EXEMPTION FROM THE REGISTRATION
REQUIREMENTS OF THE SECURITIES ACT TO AN "ACCREDITED INVESTOR" WITHIN THE
MEANING OF SUBPARAGRAPH (a) (1), (2), (3) OR (7) OF RULE 501 UNDER THE
SECURITIES ACT THAT IS ACQUIRING THE SECURITY FOR ITS OWN ACCOUNT, OR FOR THE
ACCOUNT OF AN "ACCREDITED INVESTOR," FOR INVESTMENT PURPOSES AND NOT WITH A VIEW
TO, OR FOR OFFER OR SALE IN CONNECTION WITH, ANY DISTRIBUTION IN VIOLATION OF
THE SECURITIES ACT, OR (E) PURSUANT TO ANOTHER AVAILABLE EXEMPTION FROM THE
REGISTRATION REQUIREMENTS OF THE SECURITIES ACT, SUBJECT TO THE DEBENTURE
ISSUER'S AND THE TRUST'S RIGHT PRIOR TO ANY SUCH OFFER, SALE OR TRANSFER
PURSUANT TO CLAUSES (D) OR (E) TO REQUIRE THE DELIVERY OF AN OPINION OF COUNSEL,
CERTIFICATION AND/OR OTHER INFORMATION SATISFACTORY TO EACH OF THEM IN
ACCORDANCE WITH THE AMENDED AND RESTATED DECLARATION OF TRUST, A COPY OF WHICH
MAY BE OBTAINED FROM THE DEBENTURE ISSUER OR THE TRUST. THE HOLDER OF THIS
SECURITY BY ITS ACCEPTANCE HEREOF AGREES THAT IT WILL COMPLY WITH THE FOREGOING
RESTRICTIONS.

THE HOLDER OF THIS SECURITY BY ITS ACCEPTANCE HEREOF AGREES, REPRESENTS AND
WARRANTS THAT IT WILL NOT ENGAGE IN HEDGING TRANSACTIONS INVOLVING THIS SECURITY
UNLESS SUCH TRANSACTIONS ARE IN COMPLIANCE WITH THE SECURITIES ACT.

THE HOLDER OF THIS SECURITY BY ITS ACCEPTANCE HEREOF ALSO AGREES, REPRESENTS AND
WARRANTS THAT IT IS NOT AN EMPLOYEE BENEFIT, INDIVIDUAL RETIREMENT ACCOUNT OR
OTHER PLAN OR ARRANGEMENT SUBJECT TO TITLE I OF THE EMPLOYEE RETIREMENT INCOME
SECURITY ACT OF 1974, AS AMENDED ("ERISA"), OR SECTION 4975 OF THE INTERNAL
REVENUE CODE OF 1986, AS AMENDED (THE "CODE"), (EACH A "PLAN"), OR AN ENTITY
WHOSE UNDERLYING ASSETS INCLUDE "PLAN ASSETS" BY REASON OF ANY PLAN'S INVESTMENT
IN THE ENTITY AND NO PERSON INVESTING "PLAN ASSETS" OF ANY PLAN MAY ACQUIRE OR
HOLD THIS SECURITY OR ANY INTEREST THEREIN, UNLESS SUCH PURCHASER OR HOLDER IS
ELIGIBLE FOR THE EXEMPTIVE RELIEF AVAILABLE UNDER U.S. DEPARTMENT OF LABOR
PROHIBITED TRANSACTION CLASS EXEMPTION 96-23, 95-60, 91-38, 90-1 OR 84-14 OR
ANOTHER APPLICABLE EXEMPTION OR ITS PURCHASE AND HOLDING OF THIS SECURITY IS NOT
PROHIBITED BY SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE WITH RESPECT TO

                                       1

<PAGE>

SUCH PURCHASE OR HOLDING. ANY PURCHASER OR HOLDER OF THIS SECURITY OR ANY
INTEREST THEREIN WILL BE DEEMED TO HAVE REPRESENTED BY ITS PURCHASE AND HOLDING
THEREOF THAT EITHER (i) IT IS NOT AN EMPLOYEE BENEFIT PLAN WITHIN THE MEANING OF
SECTION 3(3) OF ERISA, OR A PLAN TO WHICH SECTION 4975 OF THE CODE IS
APPLICABLE, A TRUSTEE OR OTHER PERSON ACTING ON BEHALF OF AN EMPLOYEE BENEFIT
PLAN OR PLAN, OR ANY OTHER PERSON OR ENTITY USING THE ASSETS OF ANY EMPLOYEE
BENEFIT PLAN OR PLAN TO FINANCE SUCH PURCHASE, OR (ii) SUCH PURCHASE WILL NOT
RESULT IN A PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION 4975 OF
THE CODE FOR WHICH THERE IS NO APPLICABLE STATUTORY OR ADMINISTRATIVE EXEMPTION.

IN CONNECTION WITH ANY TRANSFER, THE HOLDER WILL DELIVER TO THE REGISTRAR AND
TRANSFER AGENT SUCH CERTIFICATES AND OTHER INFORMATION AS MAY BE REQUIRED BY THE
AMENDED AND RESTATED DECLARATION OF TRUST TO CONFIRM THAT THE TRANSFER COMPLIES
WITH THE FOREGOING RESTRICTIONS.

THIS SECURITY WILL BE ISSUED AND MAY BE TRANSFERRED ONLY IN BLOCKS HAVING A
LIQUIDATION AMOUNT OF NOT LESS THAN $100,000 AND MULTIPLES OF $1,000 IN EXCESS
THEREOF. ANY ATTEMPTED TRANSFER OF THIS SECURITY IN A BLOCK HAVING A LIQUIDATION
AMOUNT OF LESS THAN $100,000 SHALL BE DEEMED TO BE VOID AND OF NO LEGAL EFFECT
WHATSOEVER. ANY SUCH PURPORTED TRANSFEREE SHALL BE DEEMED NOT TO BE THE HOLDER
OF THIS SECURITY FOR ANY PURPOSE, INCLUDING, BUT NOT LIMITED TO, THE RECEIPT OF
DISTRIBUTIONS ON THIS SECURITY, AND SUCH PURPORTED TRANSFEREE SHALL BE DEEMED TO
HAVE NO INTEREST WHATSOEVER IN THIS SECURITY.

                                       2

<PAGE>

Certificate Number P-1                       Number of Capital Securities 20,000

                    Certificate Evidencing Capital Securities

                                       of

                           Hanover Statutory Trust II

                          Fixed/Floating Rate TRUPS(R)

                (liquidation amount $1,000 per Capital Security)

     Hanover Statutory Trust II, a statutory trust created under the laws of the
State of Delaware (the "Trust"), hereby certifies that Citigroup Global Markets
Inc. (the "Holder") is the registered owner of 20,000 capital securities of the
Trust representing undivided beneficial interests in the assets of the Trust,
designated the Fixed/Floating Rate TRUPS(R) (liquidation amount $1,000 per
Capital Security) (the "Capital Securities"). Subject to the Declaration (as
defined below), the Capital Securities are transferable on the books and records
of the Trust, in person or by a duly authorized attorney, upon surrender of this
Certificate duly endorsed and in proper form for transfer. The Capital
Securities represented hereby are issued pursuant to, and the designation,
rights, privileges, restrictions, preferences and other terms and provisions of
the Capital Securities shall in all respects be subject to, the provisions of
the Amended and Restated Declaration of Trust of the Trust, dated as of November
4, 2005, among John A. Burchett and Irma N. Tavares, as Administrators,
Wilmington Trust Company, as Delaware Trustee, Wilmington Trust Company, as
Institutional Trustee, Hanover Capital Mortgage Holdings, Inc., as Sponsor, and
the holders from time to time of undivided beneficial interests in the assets of
the Trust, including the designation of the terms of the Capital Securities as
set forth in Annex I to the Declaration, as the same may be amended from time to
time (the "Declaration"). Capitalized terms used herein but not defined shall
have the meaning given them in the Declaration. The Holder is entitled to the
benefits of the Guarantee to the extent provided therein. The Sponsor will
provide a copy of the Declaration, the Guarantee, and the Indenture to the
Holder without charge upon written request to the Sponsor at its principal place
of business.

     By acceptance of this Security, the Holder is bound by the Declaration and
is entitled to the benefits thereunder.

     By acceptance of this Security, the Holder agrees to treat, for United
States federal income tax purposes, the Debentures as indebtedness and the
Capital Securities as evidence of beneficial ownership in the Debentures.

     This Capital Security is governed by, and shall be construed in accordance
with, the laws of the State of Delaware, without regard to principles of
conflict of laws.

                                       3

<PAGE>

     IN WITNESS WHEREOF, the Trust has duly executed this certificate.

                                        Hanover Statutory Trust II

                                        By:
                                            ------------------------------------
                                        Name:
                                              ----------------------------------
                                        Title: Administrator

                                        Dated: November 4, 2005

                          CERTIFICATE OF AUTHENTICATION

     This is one of the Capital Securities referred to in the within-mentioned
Declaration.

                                        Wilmington Trust Company,
                                        not in its individual capacity but
                                        solely as the Institutional Trustee

                                        By:
                                            ------------------------------------
                                            Authorized Officer

                                        Dated: November 4, 2005

                                       4

<PAGE>

                               REVERSE OF SECURITY

     Distributions payable on each Capital Security will be payable (i) until
July 30, 2010, at a fixed rate per annum equal to 9.209% and (ii) from and
including July 30, 2010, at a variable per annum rate of interest, reset
quarterly, equal to LIBOR (as defined in the Declaration) plus 4.25% (the
"Coupon Rate") of the stated liquidation amount of $1,000 per Capital Security,
such rate being the rate of interest payable on the Debentures to be held by the
Institutional Trustee. Except as set forth below in respect of an Extension
Period, Distributions in arrears for more than one quarterly period will bear
interest thereon compounded quarterly at the applicable Coupon Rate for each
such quarterly period (to the extent permitted by applicable law). The term
"Distributions" as used herein includes cash distributions, any such compounded
distributions and any Additional Amounts payable on the Debentures unless
otherwise stated. A Distribution is payable only to the extent that payments are
made in respect of the Debentures held by the Institutional Trustee and to the
extent the Institutional Trustee has funds legally available in the Property
Account therefor. The amount of Distributions payable for any period will be
computed for any full quarterly Distribution Period on the basis of (i) until
July 30, 2010, a 360-day year consisting of twelve 30-day months and (ii) from
and including July 30, 2010, a 360-day year and the actual number of days
elapsed in the relevant Distribution Period.

     Except as otherwise described below, Distributions on the Capital
Securities will be cumulative, will accrue from the date of original issuance
and will be payable quarterly in arrears on April 30, July 30, October 30 and
January 30 of each year, commencing on January 30, 2006 (each, a "Distribution
Payment Date"). The Debenture Issuer has the right under the Indenture to defer
payments of interest on the Debentures by extending the interest payment period
for up to four consecutive quarterly periods (each, an "Extension Period") at
any time and from time to time on the Debentures, subject to the conditions
described below, during which Extension Period no interest shall be due and
payable. During any Extension Period, interest will continue to accrue on the
Debentures, and interest on such accrued interest (such accrued interest and
interest thereon referred to herein as "Deferred Interest") will accrue at an
annual rate equal to the Coupon Rate in effect for each such Extension Period,
compounded quarterly from the date such Deferred Interest would have been
payable were it not for the Extension Period, to the extent permitted by law. No
Extension Period may end on a date other than a Distribution Payment Date. At
the end of any such Extension Period, the Debenture Issuer shall pay all
Deferred Interest then accrued and unpaid on the Debentures; provided, however,
that no Extension Period may extend beyond the Maturity Date, Redemption Date or
Special Redemption Date. Prior to the termination of any Extension Period, the
Debenture Issuer may further extend such period, provided, that such period
together with all such previous and further consecutive extensions thereof shall
not exceed four consecutive quarterly periods, or extend beyond the Maturity
Date, Redemption Date or Special Redemption Date. Upon the termination of any
Extension Period and upon the payment of all Deferred Interest, the Debenture
Issuer may commence a new Extension Period, subject to the foregoing
requirements. No interest or Deferred Interest shall be due and payable during
an Extension Period, except at the end thereof, but Deferred Interest shall
accrue upon each installment of interest that would otherwise have been due and
payable during such Extension Period until such installment is paid. The
deferral of the payment of interest during an Extension Period shall not defer
the payment of any Additional Amounts that may be due. If Distributions are
deferred, the Distributions due shall be paid on the date that the related
Extension Period terminates to Holders of the Securities as they appear on the
books and records of the Trust on the record date immediately preceding such
date. Distributions on the Securities must be paid on the dates payable (after
giving effect to any Extension Period) to the extent that the Trust has funds
legally available for the payment of such distributions in the Property Account
of the Trust. The Trust's funds available for Distribution to the Holders of the
Securities will be limited to payments received from the Debenture Issuer. The
payment of Distributions out of moneys held by the Trust is guaranteed by the
Guarantor pursuant to the Guarantee.

     The Capital Securities shall be redeemable as provided in the Declaration.

                                       5

<PAGE>

                                   ASSIGNMENT

     FOR VALUE RECEIVED, the undersigned assigns and transfers this Capital
Security Certificate to:

________________________________________________________________
(Insert assignee's social security or tax identification number)

__________________________________________
(Insert address and zip code of assignee),

and irrevocably appoints
as agent to transfer this Capital Security Certificate on the books of the
Trust. The agent may substitute another to act for it, him or her.

Date:
      ---------------

Signature:
           --------------------------
(Sign exactly as your name appears on the other side of this Capital Security
Certificate)

Signature Guarantee:(1)

----------
(1)  Signature must be guaranteed by an "eligible guarantor institution" that is
     a bank, stockbroker, savings and loan association or credit union meeting
     the requirements of the Security registrar, which requirements include
     membership or participation in the Securities Transfer Agents Medallion
     Program ("STAMP") or such other "signature guarantee program" as may be
     determined by the Security registrar in addition to, or in substitution
     for, STAMP, all in accordance with the Securities Exchange Act of 1934, as
     amended.<PAGE>

                                                                 Exhibit 10.13.6

                     SEVENTH MODIFICATION OF LEASE AGREEMENT

                  This Seventh Modification of Lease Agreement ("Agreement"),
made this 16th day of December, 2005, by and between METROPLEX ASSOCIATES, a New
Jersey partnership, having an address c/o of Atlantic Realty Development
Corporation, 90 Woodbridge Center Drive, Woodbridge, New Jersey 07095 (the
"Landlord"), and HANOVER CAPITAL PARTNERS, LTD. (formerly, Hanover Capital
Mortgage Corporation), a New York corporation, having an address at Metroplex
Corporate Center II, 200 Metroplex Drive, Edison, New Jersey 08817 (the
"Tenant").

                                   WITNESSETH:

                  WHEREAS, by lease dated March 9, 1994 (the "Original Lease"),
Landlord leased to Tenant and Tenant hired from Landlord certain premises (the
"Original Space") having a gross rentable area of approximately 5,834 square
feet constituting a portion of the third floor of the building known as
Metroplex Corporate Center I, 100 Metroplex Drive, Edison, New Jersey 08817;
and

                  WHEREAS, by document entitled "First Modification and
Extension of Lease Agreement", dated February 28, 1997 (the "First
Modification"), the term of the Lease was extended until 6:00 p.m. on June
30, 2002; and

                  WHEREAS, by document entitled "Second Modification and
Extension of Lease Agreement", dated April 22, 2002 (the "Second Modification"),
the term of the Lease was extended until 6:00 p.m. on April 30, 2005; and

                  WHEREAS, by document entitled "Third Modification of Lease
Agreement", dated May 8, 2002 (the "Third Modification"), Landlord leased to
Tenant certain additional space having a gross rentable area of approximately
777 square feet located on the third floor of the Building (the "Second Space");
and

                  WHEREAS, by document entitled "Fourth Modification of Lease
Agreement", dated November, 2002 (the "Fourth Modification"), Tenant surrendered
to Landlord the Second Space and Landlord leased to Tenant certain additional
space having a gross rentable area of approximately 3,890 square feet located on
the second floor of the Building (the "Third Space"); and

                  WHEREAS, by a letter agreement (the "Letter Agreement"), dated
July 31, 2003 (the "Letter Agreement"), Landlord leased to Tenant certain
additional space having a gross rentable area of approximately 777 square feet
located on the third floor of the Building (the "Fourth Space"); and

                  WHEREAS, by document entitled "Fifth Modification of Lease
Agreement", dated October 9, 2003 (the "Fifth Modification"), Tenant surrendered
to Landlord the Original Space, the Third Space and the Fourth Space and
Landlord leased to Tenant certain additional space having a gross rentable area
of approximately 12,267 square feet located on the first floor of the Building
(the "Fifth Space"); and

                  WHEREAS, by document entitled "Sixth Modification of Lease
Agreement", dated August 3, 2005 (the "Sixth Modification"), Tenant surrendered
to Landlord the Fifth Space and Landlord leased to Tenant certain space having a
gross rentable area of approximately 15,865 square feet located on the first
floor of the building (the "Building") located at 200 Metroplex Drive, Edison,
New Jersey (the "Premises"); and

                  WHEREAS, the Original Lease, the First Modification, the
Second Modification, the Third Modification, the Fourth Modification, the Letter
Agreement, the Fifth Modification and the Sixth Modification are herein
collectively referred to as the "Lease"; and

                  WHEREAS, Landlord and Tenant desire to further modify the
Lease as hereinafter provided;

                                      -1-

<PAGE>
          NOW, THEREFORE, for and in consideration of the above premises, the
mutual covenants hereinafter contained, and other good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged,
Landlord and Tenant hereby agree as follows:

          1. Premises. Upon the "Added Space Possession Date" (as said term is
hereinafter defined), the definition and description of the Premises in the
Lease shall be modified and amended to include certain additional space having a
gross rentable area of approximately 5,428 square feet on the first floor of the
Building (the "Added Space") which Added Space is more particularly described on
Exhibit A attached hereto and made a part hereof. Upon the Added Space
Possession Date, the Added Space shall be considered a part of the Premises and
all references in the Lease to the Premises shall, upon the Added Space
Possession Date, refer to the Premises described in the Sixth Modification,
together with the Added Space described herein. The Premises (including the
Added Space) shall, upon the Added Space Possession Date, have a gross rentable
area of approximately 21,293 square feet.

          2. Term. (a) The term for the Added Space shall commence on the date
(the "Added Space Possession Date") Landlord delivers possession of the Added
Space to Tenant with the Added Space Work (as hereinafter defined), exclusive of
"punchlist" items, substantially completed. The Added Space Work shall be deemed
substantially completed at such time as the only items of Added Space Work to be
completed are those which will not substantially interfere with Tenant's use and
occupancy of the Added Space. Notwithstanding the foregoing, should Landlord be
delayed in delivering possession of the Added Space to Tenant, or in
substantially completing the Added Space Work, by reason of Tenant's delay, lack
of cooperation, request for changes in the Added Space Work, or the performance
of work by anyone employed or engaged by Tenant, or by reason of any other act
or omission of Tenant, the Added Space Possession Date shall be the date which
is the earlier of (i) the date when Landlord delivers possession of the Added
Space to Tenant with the Added Space Work, exclusive of so-called "punchlist"
items, substantially completed as hereinabove provided, or (ii) the date when
Landlord would have delivered possession of the Added Space to Tenant with the
Added Space Work, exclusive of so-called "punchlist" items, substantially
completed but for the occurrence of any Tenant delay referred to above.
Notwithstanding anything to the contrary contained herein, subject to Force
Majeure and/or delays caused by Tenant, in the event that the Added Space
Possession Date has not occurred on or before March 31, 2006, Tenant shall have
the right to terminate this Lease upon written notice to Landlord at any time
subsequent to March 31, 2006 and prior to the occurrence of the Added Space
Possession Date, in which event this Lease shall terminate and neither party
shall have any further rights or obligations hereunder, except for any such
rights or obligations accruing prior to the date of termination.

          (b) The expiration date of the Lease shall remain October 31, 2010.
After the expiration date, Tenant shall continue to have one (1) option to renew
and extend the term of the Lease for the Additional Extension Term as set forth
in Section 2(c) of the Sixth Modification. Fixed Rent during the Additional
Extension Term shall be as provided in Section 3(c) of the Sixth Modification.
Tenant shall have no further right or option to renew the term of the Lease
after the expiration of the Additional Extension Term.

          3. Fixed Rent. (a) Commencing as of the Added Space Possession Date,
the gross rentable area of the Added Space shall be included in calculating the
Fixed Rent payable by Tenant under the Lease. Accordingly, commencing as of the
Added Space Possession Date and continuing through October 31, 2007, Tenant
shall pay to Landlord annual Fixed Rent in an amount equal to the product of the
gross rentable area of the Premises (including the Added Space) multiplied by
$17.55 per square foot (i.e., 21,293 square feet x $17.55 = $373,692.15 per
annum/$31,141.00 per month. Commencing as of November 1, 2007 and continuing
through October 31, 2010, Tenant shall pay to Landlord annual Fixed Rent in an
amount equal to the product of the gross rentable area of the Premises
(including the Added Space) multiplied by $18.05 per square foot (i.e., 21,293
square feet x $18.05 = $384,338.65 per annum/$32,028.22 per month.

          (b) Fixed Rent shall be payable in equal monthly installments as
aforesaid, in advance on the first day of each and every calendar month of the
term of the Lease in lawful money of the United States of America in the office
of Landlord or at such other place as may hereafter be

                                       -2-

<PAGE>

designated by Landlord. Fixed Rent shall be paid to Landlord without notice or
demand and without deduction, setoff or other charge therefrom or against the
same.

          4. Proportionate Share. The Lease is amended to provide that effective
as of the Added Space Possession Date, Tenant's Proportionate Share, as defined
in Article 3 of the Original Lease, shall be increased from 12.61% to 16.92%.

          5. Insurance. Article 4 of the Original Lease is supplemented to
provide that Tenant shall, at its cost and expense, add to all existing policies
of insurance, or procure all policies of insurance for the purpose of insuring
the Added Space in accordance with the terms set forth in Article 4 of the
Original Lease. Such policies, or certificates thereof, together with reasonable
evidence of premium payment, shall be delivered to Landlord upon execution
hereof.

          6. Additional Rent. The "Base Year" (as defined in Article 18 of the
Lease), for the Added Space shall be the calendar year 2006. The Base Year for
the balance of the Premises shall remain the calendar year 2005 as set forth in
Section 6 of the Sixth Modification.

          7. Electric Charges. Commencing as of the Added Space Possession Date,
the gross rentable area of the Added Space shall be included in calculating
Tenant's electric usage at the Premises. If electric energy consumed in the
Premises is not separately metered, either by the utility company or by
Landlord, Tenant shall pay Landlord for such electric energy the sum of
$26,616.25 per annum (i.e., $1.25 per square foot of gross rentable area of the
Premises) in equal monthly installments of $2,218.02 each on the first day of
each month during the term of the Lease. Such sum of $26,616.25 shall be subject
to increase in accordance with increases in electric charges payable by
Landlord. In addition, either Landlord or Tenant may, at any time, at its sole
cost and expense, engage an electrical consultant, approved by the non-procuring
party, to make a survey of the electric energy demand in the Premises and to
determine the average monthly electric consumption in the Premises. The findings
of said consultant as to the average monthly electric consumption of Tenant
shall be deemed conclusive and binding upon the parties. From and after said
consultant has submitted its report, Tenant shall pay to Landlord, as additional
rent, on the first day of each month during the balance of the term of the Lease
(or until another such survey is performed or a separate electric meter is
installed for the Premises), in advance, the amount set forth in the survey as
the monthly electric consumption.

          8. Brokerage Commission. Tenant warrants and represents that it has
not dealt or negotiated with any real estate broker or salesman in connection
with this Agreement other than Newmark Real Estate of New Jersey, L.L.C. (the
"Broker") or representatives thereof. Tenant shall and hereby does indemnify and
hold Landlord harmless from and against any real estate commissions, fees,
charges or the like, or claims therefor, including any and all costs incurred in
connection therewith, arising out of the within transaction payable to any party
other than the Broker except to the extent any such claim or commission is based
solely upon Landlord's acts. Landlord shall pay any commission due to the Broker
pursuant to a separate agreement, less any prepaid commission for the unexpired
term of the Surrendered Space.

          9. Condition of Added Space/Added Space Work. (a) Landlord shall, at
its sole cost and expense, promptly following execution of this Agreement,
prepare the Added Space for Tenant's occupancy in accordance with Plan
#_______________________created by dbi (the "dbi Plan") attached hereto as
Exhibit B (the "Added Space Work"). Landlord shall pay all costs and expenses of
dbi for space planning and shall obtain, at Landlord's cost, any building
permits necessary for the Added Space Work. Tenant shall have the right to
submit a written "punch list" to Landlord, setting forth any defective item of
construction, and Landlord shall promptly cause such items to be corrected. The
Added Space Work shall not include the installation of Tenant's furniture,
including Tenant's furniture systems, fixtures, equipment and telephone and data
cabling, all of which shall be installed by Tenant at Tenant's sole cost and
expense. Except for the Added Space Work, it is expressly understood and agreed
to by and between the parties hereto that the Added Space is being leased by
Landlord to Tenant, and shall be delivered to Tenant in its present condition
"as is", and Landlord shall not be obligated to perform any additional work of
any type or nature whatsoever in connection with this Agreement except as is
expressly required under the Lease.

                                       -3-

<PAGE>

          (b) Tenant shall have no obligation to remove or restore the Added
Space Work except that Tenant, at its sole cost and expense, shall, upon the
expiration or sooner termination of this Lease, remove all voice, data and
computer wires and cabling from the Premises and the Building and shall repair
any damage caused by such removal.

          10. Security Deposit. Pursuant to Section 10 of the Sixth
Modification, Tenant has deposited with Landlord the sum of $23,202.56 as and
for a security deposit. Upon Tenant's execution of this Agreement, Tenant shall
pay to Landlord the sum of $7,938.44 as additional security. Upon such payment,
Tenant's total security deposit shall be in the amount of $31,141.00 which shall
be held by Landlord in accordance with Article 39 of the Lease.

          11. No Default. Tenant represents, warrants and covenants that
Landlord is not currently in default under any of its obligations under the
Lease and Tenant is not in default under any of its obligations under the Lease
and no event has occurred which, with the passage of time or the giving of
notice, or both, would constitute a default by either Landlord or Tenant under
the Lease.

          12. Defined Terms. The terms used in this Agreement and not defined
herein shall have the respective meanings indicated in the Lease, unless the
context requires otherwise.

          13. No Other Changes. The intent of this Agreement is only to modify
and amend those provisions of the Lease as herein specified. Except as herein
specifically modified, changed and amended, all of the terms and conditions of
the Lease shall remain in full force and effect.

          IN WITNESS WHEREOF, the parties hereto have duly executed this Seventh
Modification of Lease Agreement as of the day and year first above written.

WITNESS:                                METROPLEX ASSOCIATES
                                        (Landlord)

                                        By: /s/ David Halpern
-------------------------------------       ------------------------------------
                                            David Halpern, Partner

ATTEST:                                 HANOVER CAPITAL PARTNER, LTD.
                                        (Tenant)

/s/ Irma N Tavares                      By: /s/ Joyce Mizerak
-------------------------------------       ------------------------------------
Irma N Tavares                              Joyce Mizerak, President

                                       -4-

<PAGE>

                                    EXHIBIT A

                                   ADDED SPACE

                                  (Floor Plan)

                                      -5-

<PAGE>

                                    EXHIBIT B

                                  THE DBI PLAN

                                  (Floor Plan)

                                      -6-

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