Document:

MASTER LOAN
AGREEMENT

                    THIS
MASTER LOAN AGREEMENT (this “Agreement”) is made as of the 6th day of August,
2008, by and between MAPCASH
MANAGEMENT, LTD., a corporation
organized and existing under the laws of Antigua and Barbuda (“Lender”); and FASTCASH
 INTERNATIONAL
LIMITED, a corporation organized and existing under the laws of
the British Virgin Islands (“FCI”). FASTCASH DOMINICA
LIMITED, a corporation organized and existing under the laws of The Commonwealth of
Dominica (“FC Dominica”), FINANCIAL SERVICES, INC.,
 a corporation organized and existing under the
laws of the Commonwealth of Dominica (“FSI”), FASTCASH (ST.
LUCIA) LIMITED, a corporation organized
and existing under the laws of St. Lucia (“FC St. Lucia”), CASHEXPRESS
LIMITED, a corporation organized and existing under
the laws of St. Vincent and the Grenadines (“FC St. Vincent”), FASTCASH
LIMITED, a corporation organized and
existing under the laws of Grenada (“FC Grenada”), and FASTCASH
(ANTIGUA) LIMITED, a corporation organized and existing under
the laws of Antigua and Barbuda (“FC Antigua”; FC Dominica, FSI, FC St. Lucia, FC St. Vincent, FC Grenada and FC
Antigua are each individually referred to as an “Operating Borrower” and together with FCI,
as the “Borrowers”).

EXPLANATORY STATEMENT

                    FCI
is the owner of 100% of the issued and outstanding capital stock of each
Operating Borrower. The Operating Borrowers
are engaged in the payday loan business of advancing short term loans to
borrowers secured by the pledge of the respective borrowers’ expected salary
payment (the “Business”). FCI and
the Operating Borrowers desire to borrow from Lender, and Lender has
agreed to lend to FCI and the Operating Borrowers, jointly and severally, funds
needed for the operation of each Operating Borrower’s Business (the “Loans”) according to the terms and
conditions herein set forth. 

                    NOW,
THEREFORE, in consideration of these premises and other good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged,
the parties agree as follows:

                    SECTION
1. The Loans.  

                    1.1.          Advance
of the Loans. Pursuant to the terms and conditions set forth herein, Lender
shall make advances to FCI and each Operating Borrower of all or any portion of
the principal sum of Ten Million U.S. Dollars (US$10,000,000.00) (the “Principal Sum”). Each such advance shall be
recorded on separate ledgers maintained by Lender, and each Operating Borrower.
FCI and the Operating Borrowers shall be jointly and severally liable to repay
the Principal Sum advanced to all Borrowers together with all interest thereon
and all other amount due hereunder.

                    1.2.          Purpose
of the Loans. The proceeds of the Loans shall be used by the Operating
Borrowers, either directly or indirectly, solely for its working capital needs
for use with the Business.

                    1.3.          Interest
and Fees. Interest shall accrue on each portion of the Loan proceeds from the
date such portion was advanced at a rate of 15% per annum (“Base Interest”).

                    1.4.          Payment.
Until Lender shall call for repayment of any Loan, the Borrowers shall
have the right to repay all or any portion of the Principal Sum from time to
time and request re-advances of all or any portion of the Principal Sum,
provided that the total amount outstanding at any time shall not exceed the
Principal Sum plus accrued Base Interest for one month. Accrued and unpaid
interest shall be paid on the first day of each January, April, July and
October after the date hereof. The entire
unpaid principal balance of the Loans, all accrued and unpaid interest and fees
thereon, and all other amounts due hereunder shall be paid ON DEMAND.

                    1.5.          Prepayment.
Each Borrower shall have the right to prepay the whole or any part of the
unpaid balance of the Loans at any time and from time to time without penalty
or premium. Unless Lender shall designate a different order of application,
which Lender may do in its sole discretion, all payments made hereunder shall
be applied first to costs of collection, then to unpaid late fees, then to
accrued and unpaid interest, and the remainder, if any, to the outstanding
balance of the Loans in such order of advancement as shall be determined by
Lender in its sole discretion.

                    1.6.          Form
of Payment. All payments shall be made in lawful money of the United States
of America in immediately available funds at such place as may be designated by
Lender. 

                    1.7.          Future
Subsidiaries. In the event FCI forms or acquires another majority-owned
subsidiary and FCI and Lender and FCI and such subsidiary agree that FCI and
such new subsidiary may obtain Loans from Lender pursuant to the terms hereof,
FCI, such new subsidiary and Lender shall execute a joinder to this Agreement
pursuant to which such new subsidiary and FCI agree to be bound by the terms of
this Agreement, and thereafter such new subsidiary shall be included in the
definition of Operating Borrower hereunder.

                    1.8.          Definition
of Obligations. As used in this Agreement, the term “Obligations” means
collectively and includes all present and
future indebtedness, liabilities and obligations of any kind and nature
whatsoever of any Borrower to Lender both now existing and hereafter arising
under, as a result of, on account of, or in connection with the Loans or this
Agreement.

                    1.9.          Debit
Card Services. Borrowers have requested that Lender arrange for debit card
issuing and loading services in connection with the Business (the “Card Services”), and Lender has agreed to
use its best efforts to arrange for the Card Services at Lender’s cost. Lender
shall invoice each Operating Borrower for the Card Services provided to such
Operating Borrower. Unless otherwise paid by the Operating Borrower, the amount
of any such invoice which has not been paid within thirty (30) days of invoice
shall be considered advances of the Principal Sum to such Operating Borrower
pursuant to Section 1.1 hereof.

                    SECTION
2. Representations and Warranties.

                    To
induce Lender to make the Loans, the Borrowers make the following representations
and warranties, each of which shall be true and correct in all material
respects as of the date hereof.

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                    2.1.          Power
and Authority. The Borrowers have all requisite power and authority to
execute, deliver and perform this Agreement, and they are not and will not
thereby be in contravention of law or the terms of any agreement by which it or
its property is bound.

                    2.2.          Accuracy
of Information. To the best of Borrowers’ knowledge, no information,
exhibit, report, statement, certificate or document furnished by the Borrowers
or any other person to Lender in connection with the Loans or this Agreement or
the negotiation thereof contains any material misstatement of fact or omitted
to state a material fact or any fact necessary to make the statements contained
herein or therein not misleading.

                    SECTION
3. Affirmative Covenants.

                    The
Borrowers covenant and agree with Lender that so long as any of the Obligations
(or commitments therefor) shall be outstanding, the Borrowers shall:

                    3.1.          Payment
of Obligations. Punctually pay the principal of and interest on the
Obligations, at the times and places, in the manner and in accordance with the
terms of this Agreement.

                    3.2.          Contractual
Obligations. Comply with any agreement or undertaking to which any Borrower
is a party and maintain in full force and effect all contracts and leases to
which any Borrower is or becomes a party.

                    3.3.          Maintenance
of Business. Do all things necessary to maintain, preserve and protect the
Business in good working order and condition, so that the Borrowers’ respective
Businesses may be properly conducted at all times.

                    3.4.          Inspection.
Permit Lender at Lender’s expense, to inspect any of the properties, books and
financial records of any Borrower, to examine and make copies of the financial
records of any Borrower, and to discuss the affairs, finances and accounts of
any Borrower with, and to be advised as to the same by, any Borrower at such
reasonable times and intervals as Lender may designate.

                    3.5.          Notice.
Promptly give written notice to Lender of (a) the occurrence of any Default (as
hereinafter defined) or (b) any event, development or circumstances which might
materially adversely affect the business, operations, properties or financial
condition of any Borrower.

                    SECTION
4. Default.

                    The
occurrence of any one or more of the following events shall constitute a
default under the provisions of this Agreement, and the term “Default” shall
mean, whenever it is used in this Agreement, any one or more of the following events:

                    4.1.          Payment
of Obligations. The failure of any Borrower to pay any of the Obligations
as and when due and payable in accordance with the provisions of this
Agreement, after notice of such failure by Lender to such Borrower and the
Borrower’s failure to cure within five (5) business days of such notice.

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                    4.2.          Performance.
The failure of any Borrower to perform, observe or comply with any of the
provisions of this Agreement, after notice of such failure by Lender to such
Borrower and the Borrower’s failure to cure within fifteen (15) business days
of such notice.

                    4.3.          Representations
and Warranties. If any representation, warranty or statement of fact made
by any Borrower under this Agreement or in any report, certificate, opinion
(including any opinion of counsel for any Borrower), financial statement or
other document or information furnished in connection with the credit extended
under this Agreement or the execution and delivery of any other document
executed by and between any Borrower and Lender in connection therewith or upon
which Lender has relied in agreeing to extend credit to Borrower is false or
misleading in any material respect at the time when made or furnished.

                    4.4.          Inability
to Pay Debts. If any Borrower discontinues or suspends its present business
operation, or any Borrower becomes insolvent or unable to pay its debts as they
mature.

                    4.5.          Bankruptcy.
Any Borrower shall (i) apply for or consent
to the appointment of, or there shall be a taking of possession by, a receiver,
custodian, trustee or liquidator for any Borrower, or any of the Borrower’s respective property, (ii) become generally unable
to pay Borrower’s debts as they become due, (iii) make a general assignment for
the benefit of creditors or become insolvent, or (iv) become the debtor party,
voluntarily or involuntarily, to any bankruptcy proceeding.

                    4.6.          Judgments.
The issuance or filing of any injunction, attachment, judgment or lien against
any Borrower or any of its property in excess of Five Thousand U.S. Dollars
(US$5,000.00).

                    4.7.          Sale
of Assets. Any Borrower sells, assigns,
pledges or otherwise transfers, distributes, encumbers or leases all or any
substantial portion of its assets outside the ordinary course of that
Borrower’s Business.

                    SECTION
5. Rights and Remedies.

                    5.1.          Joint
and Several Obligations. All of the obligations of the Borrowers to the
Lender hereunder shall be joint and
several.

                    5.2.          Rights
and Remedies. Upon the occurrence of any Default, Lender may declare the
unpaid principal amount of the Loans, together with accrued and unpaid interest
thereon, and all other Obligations then outstanding to be immediately due and
payable, whereupon the same shall become and be forthwith jointly and severally
due and payable by Borrowers to Lender, without presentment, demand, protest or
notice of any kind, all of which are expressly waived by Borrowers; provided,
that, in the case of any Default referred to in Sections 4.5 and 4.6 above, the
unpaid principal amount of the Loans, together with accrued and unpaid interest
thereon, and all other Obligations then outstanding shall be automatically and
immediately due and payable, jointly and severally, by Borrowers to Lender
without notice, presentment, demand, protest or other action of any kind, all
of which are expressly waived by Borrower. Upon the occurrence and during the
continuation of any Default, including if Lender shall have demanded repayment
in part or in full of the Loans (and all other Obligations then outstanding),
then in each and every case, Lender shall be entitled to exercise in any
jurisdiction in which enforcement thereof is sought, the rights and remedies
available to Lender under the other provisions of this Agreement, and all other
rights and remedies available to Lender under

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applicable law, all such
rights and remedies being cumulative and enforceable alternatively,
successively or concurrently.

                    5.3.          Enforcement
Costs. Borrowers agree, jointly and severally, to pay to Lender on demand
all enforcement costs paid, incurred or advanced by or on behalf of Lender. As
used herein, the term “enforcement costs” shall mean and include collectively
all expenses, charges, recordation or other taxes, costs and fees (including
reasonable attorneys’ fees and expenses) of any nature whatsoever advanced,
paid or incurred by or on behalf of Lender in connection with (a) the
collection or enforcement of this Agreement, (b) the creation, perfection,
maintenance, preservation, defense, protection, realization upon, disposition,
collection, sale or enforcement of all or any part of the collateral, and (c)
the exercise by Lender of any rights or remedies available to it under the
provisions of this Agreement. All enforcement costs shall be a part of the
Obligations hereunder.

                    5.4.          Application
of Proceeds. Any proceeds of the collection of the Obligations will be
applied by Lender to the payment of enforcement costs, and any balance of such
proceeds (if any) will be applied by Lender to the payment of the remaining
Obligations (whether then due or not).

                    5.5.          Remedies
Cumulative. Each right, power and remedy of Lender as provided for in this
Agreement or now or hereafter existing under applicable laws or otherwise shall
be cumulative and concurrent and shall be in addition to every other right,
power or remedy provided for in this Agreement or now or hereafter existing
under applicable laws or otherwise, and the exercise or beginning of the
exercise by Lender of any one or more of such rights, powers or remedies shall
not preclude the simultaneous or later exercise by Lender of any or all such
other rights, powers or remedies.

                    5.6.          Presentment,
Etc. Each Borrower hereby waives presentment, protest and demand, notice of
demand, notice of non-payment and notice of dishonor.

                    5.7.          No
Waiver. No failure or delay by Lender to insist upon the strict performance
of any term or condition of this Agreement, or to exercise any right, power or
remedy consequent upon a breach thereof, shall constitute a waiver of any such
term or condition, or of any such breach, or preclude Lender from exercising
any such right, power or remedy at any later time or times. By accepting payment
after the due date of any amount payable under this Agreement, Lender shall not
be deemed to waive the right either to require prompt payment when due of all
other amounts payable under this Agreement, or to declare a Default for failure
to effect such prompt payment of any such other amount.

                    SECTION
6. Miscellaneous.

                    6.1.          Course
of Dealing; Amendment. No course of dealing between Lender and any Borrower
shall be effective to amend, modify or change any provision of this Agreement.

                    6.2.          Waiver
of Default. Lender may, at any time and from time to time, execute and
deliver to Borrower a written instrument waiving, on such terms and conditions
as Lender may specify in such written instrument, any of the requirements of
this Agreement or any Default and its consequences, provided, that any such
waiver shall be for such period and subject to such conditions as shall be
specified in any such instrument. In the case of any such waiver, Borrower and
Lender shall be restored to their former positions prior to such Default and
shall

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have the same rights as
they had hereunder. No such waiver shall extend to any subsequent or other
Default, or impair any right consequent thereto and shall be effective only in
the specific instance and for the specific purpose for which given.

                    6.3.          Notices.
All notices, requests and demands to or upon the parties to this Agreement
shall be deemed to have been given or made when delivered by hand, or when
deposited in the mail, postage prepaid by registered or certified mail, return
receipt requested, or, in the case of notice by telegraph, telex or facsimile
transmission, when properly transmitted, addressed to the address of the
recipient as it appears in the records of Lender, except in cases where it is
expressly herein provided that such notice, request or demand is not effective
until received by the party to whom it is addressed. No other method of giving notice or demand is hereby precluded.

                    6.4.          Right
to Perform. If any Borrower shall fail to make any payment or to otherwise
perform, observe or comply with the provisions of this Agreement, then and in
each such case, Lender may (but shall be under no obligation whatsoever to)
without notice to or demand upon the Borrower remedy any such failure by
advancing funds or taking such action as it deems appropriate for the account
and at the expense of such Borrower. The advance of any such funds or the
taking of any such action by Lender shall not be deemed or construed to cure a
Default or waive performance by any Borrower of any provisions of this
Agreement. Each Borrower shall pay to Lender on demand, together with interest
thereon from the date advanced or incurred until paid in full at a per annum
rate of interest equal at all times to the rate provided for herein, any such
funds so advanced by Lender and any costs and expenses advanced or incurred by
or on behalf of Lender in taking any such action, all of which shall be a part
of the Obligations hereunder.

                    6.5.          Costs
and Expenses. Each Borrower agrees to pay to Lender on demand all fees,
recordation and other taxes, costs and expenses of whatever kind and nature, including
reasonable attorney’s fees and disbursements, which Lender may incur or which
are payable in connection with the closing and the administration of the Loan.
All such fees, costs, recordation and other taxes shall be a part of the
Obligations hereunder.

                    6.6.          Headings.
Section and subsection headings in this Agreement are included herein for
convenience of reference only, shall not constitute a part of this Agreement
for any other purpose and shall not be deemed to affect the meaning or
construction of any of the provisions hereof.

                    6.7.          Certain
Definitional Provisions. The term “person” as used in this Agreement means
and includes any natural person, individual, company, corporation, partnership,
joint venture, unincorporated association, government or political subdivision
or agency thereof, or any other entity of whatever nature. Accounting terms
used in this Agreement shall have the respective meanings given to them under
generally accepted accounting principles in effect from time to time in the
United States of America. The words “hereof’, “herein” and “hereunder” and
words of similar import when used in this Agreement shall refer to this
Agreement as a whole and not to any particular provision of this Agreement. The term “including” is not limit­ing, and
the
term “or” has the inclusive meaning represented by the phrase “and/or”. As
used herein, the singular number shall include the plural, the plural, the
singular and the use of the masculine, feminine or neuter gender shall include
all genders, as the context may require. Unless otherwise defined herein, all
terms used herein which are defined by the New York Uniform Commercial Code
shall have the same meanings as assigned to them by the New York Uniform
Commercial Code unless and to the extent varied by this Agreement.

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                    6.8.          Severability.
The invalidity, illegality or unenforceability of any provision of this
Agreement shall not affect the validity, legality or enforceability of any of
the other provisions of this Agreement which shall remain effective.

                    6.9.          Survival.
All representations, warranties and covenants contained among the provisions of
this Agreement shall survive the execution and delivery of this Agreement.

                    6.10.        Binding
Effect. This Agreement shall be binding upon and inure to the benefit of
each Borrower and Lender and their respective successors and assigns, except
that each Borrower shall not have the right to assign its rights hereunder or
any interest herein without the prior written consent of Lender.

                    6.11.        Time
of Essence. Time is of the essence in connection with all obligations of
each Borrower hereunder.

                    6.12.        Duplicate
Originals and Counterparts. This Agreement may be executed in any number of
duplicate originals or counterparts, each of such duplicate originals or
counterparts shall be deemed to be an original and all taken together shall
constitute but one and the same instrument.

[signatures
on the following page]

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

	
 

	
 

	
 

	
 

	
LENDER:

	
 

	
 

	
 

	
 

	
 

	
MAPCASH MANAGEMENT, LTD.

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
By:   /s/ Jonathan Malamud 

	
(SEAL)

	
 

	

	
 

	
 

	
 

	
 

	
 

	
BORROWERS:

	
 

	
 

	
 

	
 

	
 

	
FASTCASH (ST. LUCIA) LIMITED

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
By:   /s/ Robert Tonge

	
(SEAL)

	
 

	

	
 

	
 

	
 

	
 

	
 

	
FASTCASH (ANTIGUA) LIMITED

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
By:   /s/ Robert Tonge

	
(SEAL)

	
 

	

	
 

	
 

	
 

	
 

	
 

	
FASTCASH LIMITED

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
By:   /s/ Robert Tonge

	
(SEAL)

	
 

	

	
 

	
 

	
 

	
 

	
 

	
FASTCASH DOMINICA LIMITED

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
By:   /s/ Robert Tonge

	
(SEAL)

	
 

	

	
 

	
 

	
 

	
 

	
 

	
FINANCIAL SERVICES, INC.

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
By:   /s/ Robert Tonge

	
(SEAL)

	
 

	

	
 

	
 

	
 

	
 

	
 

	
CASHEXPRESS LIMITED

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
By:   /s/ Robert Tonge

	
(SEAL)

	
 

	

	
 

	
 

	
 

	
 

	
 

	
FASTCASH INTERNATIONAL LIMITED

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
By: /s/ Jonathan Malamud

	
(SEAL)

	
 

	

	
 

8$10 MILLION LINE OF CREDIT

	
 

	
 

	
 

	
August 6, 2008

          In
consideration for a series of loans made and to be made by ICE ASSETS, LLC,
a New York limited liability company (the “Payee”), to MAPCASH MANAGEMENT LTD., a corporation established
under the laws of Antigua and Barbuda (the “Maker”), of up to an
aggregate of Ten Million Dollars ($10,000,000) pursuant to one or more advances
(the “Principal Amount”), Maker promises to pay the Payee on or before
July 10, 2010 (the “Payment Date”) the Principal Amount and all accrued
and unpaid interest as of the Payment Date. As of the date hereof, Payee has
advanced an aggregate of $1.75 million of the Principal Amount to Maker.
Attached hereto is a schedule (Schedule A) setting forth the date of each
advance and principal amount with respect to each of the loans. Schedule A will
be updated to reflect future advances, up to the full Principal Amount.

          Interest
shall accrue on the unpaid balance of the Principal Amount at a rate of ten
percent (10%) per annum (the “Interest Rate”). All interest payable
hereunder shall be computed on the basis of actual days elapsed, it shall not
be compounded, and it shall be due and payable in arrears on the Payment Date.

          Notwithstanding
anything contained herein to the contrary, any advances requested by the Maker
hereunder shall be at the sole and absolute discretion of the Payee.

          Maker
shall have the right to prepay all or any portion of the outstanding Principal
Amount at any time without penalty or premium. All payments hereunder when paid
shall be applied first to the payment of the outstanding Principal Amount.

          Notwithstanding
any provision contained herein, the total liability of Maker for payment of
interest pursuant hereto, including late charges, shall not exceed the maximum
amount of such interest permitted by law to be charged, collected, or received
from Maker, and if any payments by Maker include interest in excess of such a
maximum amount, Payee shall apply such excess to the reduction of the unpaid
principal amount due pursuant hereto, or if none is due, such excess shall be
refunded.

          1.          Representations
of Maker. The Maker hereby acknowledges, represents and warrants to, and
agrees with, the Payee as follows:

                       a.          Organization,
Valid Existence and Qualification. Maker is duly organized and validly
existing under the laws of Antigua and Barbuda, with full power and authority
to own, lease, use and operate its properties and to carry on its business as
and where now owned, leased, used, operated and conducted.

                       b.          Corporate
Authority and Approval. Maker has all requisite corporate power and
authority and has taken all corporate action necessary in order to execute,
deliver and perform its obligations under this Agreement. This Agreement has 

been duly and validly
executed and delivered by Maker and, assuming due authorization, execution and
delivery hereof by Payee, constitutes a valid and binding agreement of Maker
enforceable against Maker in accordance with its terms, subject to bankruptcy,
insolvency, fraudulent transfer, reorganization, moratorium and similar laws of
general applicability relating to affecting creditors’ rights and to general
equity principles.

                       c.          Consents
and Approvals; No Violations.
No filing with or notice to, and no permit, authorization, registration,
consent or approval of, any governmental entity is required on the part of
Maker for the execution, delivery and performance by Maker of this Agreement or
the consummation by Maker of the transactions contemplated hereby. Neither the
execution, delivery and performance of this Agreement by Maker nor the
consummation by Maker of the transactions contemplated hereby will
(A) conflict with or result in any breach, violation or infringement of
any provision of the certificate of incorporation or By-Laws (or similar
governing documents) or any resolutions of the board of directors of Maker,
(B) result in a breach, violation or infringement of, or constitute (with
or without due notice or lapse of time or both) a default (or give rise to the
creation of any lien or any right of termination, amendment, cancellation or
acceleration) under, any of the terms, conditions or provisions of any contract
or agreement by which Maker is bound, or (C) violate or infringe any law
applicable to Maker or any of its properties or assets. 

                       d.          Compliance
with Laws; Licenses. Maker operates its business in compliance with
all laws applicable to its business, except for such noncompliance that would
not, individually or in the aggregate, reasonably be expected to have a
material adverse effect on Maker. To the knowledge of Maker, no investigation
or review by any governmental entity with respect to Maker is pending or
threatened, nor has any governmental entity provided written notice of an
intention to conduct the same, except for such investigations or reviews that
would not, individually or in the aggregate, reasonably be expected to have a
material adverse effect on Maker. Maker has all governmental permits, licenses,
franchises, variances, exemptions, orders issued or granted by a governmental
entity and all other authorizations, consents and approvals issued or granted
by a governmental entity necessary to conduct its business as presently
conducted, except those the absence of which would not, individually or in the
aggregate, reasonably be expected to have a material adverse effect on Maker.
All the payments required in connection with the maintenance of such permits,
licenses, franchises, variances, exemptions, orders, authorizations, consents
and approvals are current, except where the failure to make such payments would
not, individually or in the aggregate, reasonably be expected to have a
material adverse effect on Maker.

                       e.          No
Default. Maker is not in
default or violation (and no event has occurred which with notice or the lapse
of time or both would constitute a default or violation) of any term, condition
or provision of (a) its certificate of incorporation or By-Laws (or
similar governing documents) or (b) any contract by which Maker is bound
except, in the case of clause (b) of this sentence, for violations,
breaches or defaults that would not, individually or in the aggregate,
reasonably be expected to have a material adverse effect on Maker.

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                       f.          No
Undisclosed Material Liabilities.
There are no liabilities or obligations of Maker of any kind whatsoever,
whether accrued, contingent, fixed, matured or otherwise Maker would be
required by GAAP to set forth on a consolidated balance sheet of Maker or in
the notes thereto, except (a) liabilities reserved against or disclosed to
Payee prior to the date hereof, or (b) liabilities and obligations
incurred under contracts to which Maker is a party or by which any of its
properties or assets may be bound, other than liabilities or obligations
arising from a breach or default under any such contract. 

                       g.          Litigation.
There is no civil,
criminal or administrative suit, claim, hearing, inquiry, action, or proceeding
pending to which Maker is a party or, to the knowledge of Maker, threatened in
writing to Maker against Maker, except as would not, individually or in the
aggregate, reasonably be expected to have a material adverse effect on Maker.
Maker is not subject to any outstanding order, writ, injunction or decree,
except as would not, individually or in the aggregate, reasonably be expected
to have a material adverse effect on Maker. To the knowledge of Maker, there is
no civil, criminal or administrative suit, claim, hearing, inquiry, action, or
proceeding pending to which any current or former officer or director of Maker,
in his or her capacity as such, is a party or threatened in writing against any
current or former officer or director of Maker in his or her capacity as such.

                       h.          Taxes.
Except as would not, individually or in the
aggregate, reasonably be expected to have a material adverse effect on Maker,
Maker has prepared in good faith and duly and timely filed all tax returns
required to be filed by Maker, all such filed tax returns are complete and
accurate in all respects, and Maker has timely paid all of its taxes
obligations.

          2.          Representations
of Payee. The Payee hereby acknowledges, represents and warrants to, and
agrees with, the Maker as follows:

                       a.
         Organization, Valid
Existence and Qualification. Payee is duly organized and validly existing
under the laws of New York, with full power and authority to own, lease, use
and operate its properties and to carry on its business as and where now owned,
leased, used, operated and conducted.

                       b.          Corporate
Authority and Approval. Payee has all requisite corporate power and
authority and has taken all corporate action necessary in order to execute,
deliver and perform its obligations under this Agreement. This Agreement has been
duly and validly executed and delivered by Payee and, assuming due
authorization, execution and delivery hereof by Maker, constitutes a valid and
binding agreement of Payee enforceable against Payee in accordance with its
terms, subject to bankruptcy, insolvency, fraudulent transfer, reorganization,
moratorium and similar laws of general applicability relating to affecting
creditors’ rights and to general equity principles.

3

                       c.          Consents
and Approvals; No Violations. No filing with or notice to, and no
permit, authorization, registration, consent or approval of, any governmental
entity is required on the part of Payee for the execution, delivery and
performance by Payee of this Agreement or the consummation by Payee of the transactions
contemplated hereby. Neither the execution, delivery and performance of this
Agreement by Payee nor the consummation by Payee of the transactions
contemplated hereby will (A) conflict with or result in any breach,
violation or infringement of any provision of the certificate of incorporation
or operating agreement (or similar governing documents) or any resolutions of
the board of directors (or similar governing body) of Payee, (B) result in
a breach, violation or infringement of, or constitute (with or without due
notice or lapse of time or both) a default (or give rise to the creation of any
lien or any right of termination, amendment, cancellation or acceleration)
under, any of the terms, conditions or provisions of any contract or agreement by
which Payee is bound, or (C) violate or infringe any law applicable to
Payee or any of its properties or assets.

                       d.          Compliance
with Laws; Licenses. Payee operates its business in compliance with
all laws applicable to its business, except for such noncompliance that would
not, individually or in the aggregate, reasonably be expected to have a
material adverse effect on Payee. To the knowledge of Payee, no investigation
or review by any governmental entity with respect to Payee is pending or
threatened, nor has any governmental entity provided written notice of an
intention to conduct the same, except for such investigations or reviews that
would not, individually or in the aggregate, reasonably be expected to have a
material adverse effect on Payee. Payee has all governmental permits, licenses,
franchises, variances, exemptions, orders issued or granted by a governmental
entity and all other authorizations, consents and approvals issued or granted
by a governmental entity necessary to conduct its business as presently
conducted, except those the absence of which would not, individually or in the
aggregate, reasonably be expected to have a material adverse effect on Payee.
All the payments required in connection with the maintenance of such permits,
licenses, franchises, variances, exemptions, orders, authorizations, consents
and approvals are current, except where the failure to make such payments would
not, individually or in the aggregate, reasonably be expected to have a material
adverse effect on Payee.

                       e.          No
Default. Payee is not in
default or violation (and no event has occurred which with notice or the lapse
of time or both would constitute a default or violation) of any term, condition
or provision of (a) its certificate of incorporation or By-Laws (or
similar governing documents) or (b) any contract by which Payee is bound
except, in the case of clause (b) of this sentence, for violations,
breaches or defaults that would not, individually or in the aggregate,
reasonably be expected to have a material adverse effect on Payee.

                       f.          Information.
Other than as set forth herein, Payee is not relying upon any other
information, representation or warranty by Maker, or any officer, employee,
agent or affiliate of Maker, in determining to enter into this Agreement. Payee
has consulted, to the extent deemed appropriate by Payee, with the Payee’s own
advisers

4

as
to the financial, tax, legal and related matters concerning the transactions
contemplated by this Agreement and on that basis believes that such
transactions are suitable and appropriate for Payee.

          3.          Events
of Default. In case one or more of the following events (each,
an “Event of Default”) (whatever the reason for such Event of Default and
whether it shall be voluntary or
involuntary or be effected by operation of law or pursuant to any judgment,
decree or order of any court or any order, rule or regulation of any
administrative or governmental body) shall have occurred and be continuing:

                       a.          Default
in the payment, when due or declared due, of any principal or interest payments
hereunder;

                       b.          Maker
makes a general assignment for the benefit of creditors; or, in the absence of
such application, consent, acquiescence or action, a trustee, receiver or other
custodian is appointed for Maker; or for a substantial part of the property of
Maker; or any bankruptcy, reorganization, debt arrangement or other proceeding
under any bankruptcy or insolvency law, or any dissolution or liquidation
proceeding, is authorized or instituted by, or instituted against, Maker; or
any warrant of attachment or similar legal process is issued against any
substantial part of the property of Maker; or

                       c.          Maker
shall fail to observe or perform any of its representations or covenants set
forth herein, which failure is not cured promptly;

then,
in each case where an Event of Default occurs, the Payee, by notice in writing
to Maker shall inform Maker of such Event of Default and if such default is not
cured within ten business days from the date such notice is received by Maker,
then Payee, may, at its option, declare
the outstanding Principal Amount to be due and payable immediately, and upon
any such declaration the same shall become immediately due and payable. 

          4.          Board
Representation. As long as any portion of the Principal Amount remains
outstanding, Payee shall have the right to designate one member to the board of
directors of Map Financial Group, Inc., a Nevada corporation which will be
borrowing funds from Maker.

          5.          Miscellaneous.

                       a.          Successors
and Assigns. This Agreement shall be binding upon and inure to the benefit
of and be enforceable by the respective successors and assigns of the Maker and
Payee.

                       b.          Notices.
All notices, requests,
claims, demands and other communications given or made pursuant hereto shall be
in writing and shall be deemed to have been duly given if delivered in person
against written receipt, by facsimile transmission, overnight courier prepaid,
or mailed by prepaid first class registered or 

5

certified
mail, postage prepaid, return receipt requested to the respective parties at
the following addresses (or at such other address for a party as shall be
specified in a notice given in accordance with this Section):

	
 

	
 

	
If to the Maker:

	
 

	
 

	
MapCash Management Ltd.

	
 

	
 

	

	
 

	
 

	

	
 

	
 

	
Telecopy: 

	
 

	
 

	

	
 

	
If to Payee:

	
 

	
 

	
Ice Assets, LLC

	
 

	
 

	

	
 

	
 

	

	
Telecopy:

	
 

	
 

	

          All
such notices, requests and other communications will (i) if delivered
personally to the address as provided in this Section, be deemed given upon
delivery, (ii) if delivered by facsimile transmission to the facsimile number
as provided in this Section, be deemed given upon receipt, (iii) if delivered
by overnight courier to the address as provided in this Section, be deemed
given on the earlier of the first business day following the date sent by such
overnight courier or upon receipt or (iv) if delivered by mail in the manner
described above to the address provided in this Section, be deemed given on the
earlier of the third business day following mailing or upon receipt.

                       c.          Governing
Law. This Agreement is to be governed by and construed in accordance with
the laws of the State of New York. In any action brought under or arising out
of this Agreement, the parties hereby consent to the in personam jurisdiction
of any state or federal court sitting in New York, waive any claim or defense
that such forum is not convenient or proper, and consent to service of process
by any means authorized by New York law.

                       d.          Entire
Agreement. This Agreement sets forth the entire agreement and understanding
of the parties in respect of the transactions contemplated hereby and
supersedes all prior and contemporaneous agreements, arrangements and
understandings of the parties relating to the subject matter hereof. No
representation, promise, inducement, waiver of rights, agreement or statement
of intention has been made by any of the parties which is not expressly
embodied in this Agreement.

6

	
 

	
 

	
 

	
 

	
 

	
 

	
MAKER:

	
 

	
 

	
 

	
 

	
 

	
 

	
MAPCASH MANAGEMENT LTD.

	
 

	
 

	
 

	
 

	
 

	
 

	
By: 

	
/s/ Jonathan Malamud

	
 

	
 

	

	
 

	
Name: 

	
Jonathan Malamud 

	
 

	
Title: 

	
Director 

	
 

	
 

	
 

	
 

	
 

	
 

	
PAYEE:

	
 

	
 

	
 

	
 

	
 

	
 

	
ICE ASSETS, LLC

	
 

	
 

	
 

	
 

	
 

	
 

	
By:

	
/s/ Joel Zev Drizin 

	
 

	
 

	

	
 

	
Name:

	
Joel Zev Drizin 

	
 

	
Title:

	
Manager 

7

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