Document:

ADDENDUM

This is an addendum to the Agreement on Business Rights Transfer between Wimax
EU, Ltd (Wimax) and Eurotech Capital Ventures, Ltd (Eurotech) dated November 10,
2004 and is accordingly attached hereto and made a part hereof.

It is the intent of both parties to clarify that the 100,000 shares of Wimax's
common stock issued pursuant to the original Agreement are subject to the 10-1
forward split undertaken by Wimax in October 2004 and therefore Eurotech
received a total of 1,000,000 shares pursuant to this Agreement.

Agreed this 9th day of January, 2006

Wimax EU, Ltd                                  Eurotech Capital Ventures, Ltd.

/s/ Christopher Miles                          /s/  Janice Hypolite
-----------------------------                  --------------------------------
Christopher Miles                              Janice Hypolite
President                                      DirectorExhibit 10.1

                         EMERGING MARKETS HOLDINGS, INC.
                             SUBSCRIPTION AGREEMENT

         1. Subscription. The undersigned hereby subscribes to purchase _______
(the "Units"), of Emerging Markets Holdings, Inc. (the "Company") for a purchase
price equal to $1.00 per unit or $________________ total. A cashier's check
payable to "SunTrust Bank, as Escrow Agent for Emerging Markets Holdings, Inc."
in the amount of the purchase price is enclosed with this Subscription
Agreement.

         2. Subscription Funds. The undersigned understands that the
subscription funds will be held in an escrow account at SunTrust Bank. In the
event this Subscription Agreement is rejected in whole by the Company, or if
subscriptions for a minimum of 5,000,000 Units have not been received and
accepted by the Escrow Agent, the funds will be promptly returned to the
undersigned without interest or deduction, and this Subscription Agreement will
be null and void. In the event this Subscription Agreement is accepted, in whole
or in part, the funds deposited in the escrow account will be paid over to the
Company at a closing and applied as described in the Prospectus (and any amounts
which the undersigned has tendered in excess of the cash subscription price for
the Units allocated to the undersigned will be returned).

         3. Acknowledgement. The undersigned acknowledges that, prior to signing
this Subscription Agreement, he or she has received the Prospectus describing
the offering of Units by the Company and has carefully reviewed the risks of and
other considerations relevant to, a purchase of the Common Stock, including
those described under the caption "Risk Factors" in the Prospectus.

         4. Subscription Irrevocable. This Subscription Agreement is not
transferable or assignable and is irrevocable, except that the execution and
delivery of this Subscription Agreement will not constitute an agreement between
the undersigned and the Company until this subscription is accepted on behalf of
the Company. This Subscription Agreement shall survive the death or disability
of the undersigned and shall be binding upon the undersigned's heirs and legal
representatives. The undersigned hereby executes this Subscription Agreement as
of the ____ day of 20___, at _______________, ______________. (City) (State)

                               SUBSTITUTE FORM W-9
               PAYER'S REQUEST FOR TAXPAYER IDENTIFICATION NUMBER

         Under the penalties of perjury, I certify that: (1) the Social Security
number or Taxpayer Identification Number given below is correct; and (2) I am
not subject to backup withholding. INSTRUCTION: YOU MUST CROSS OUT NUMBER 2
ABOVE IF YOU HAVE BEEN NOTIFIED BY THE INTERNAL REVENUE SERVICE THAT YOU ARE
SUBJECT TO BACKUP WITHHOLDING BECAUSE OF UNDERREPORTING INTEREST OR DIVIDENDS ON
YOUR TAX RETURN.

MAIL TO:                                        Signature: _____________________

Pacific Stock Transfer Company                  Print Name: ____________________
500 East Warm Springs Road, Suite 240
Las Vegas, Nevada 89118
                                                ________________________________

                                                ________________________________
                                                Federal Employer Identification
                                                Number/Social Security Number

                                                ________________________________
                                                      Street Address

                                                ________________________________
                                                      City, State and Zip Code

                                                ________________________________
                                                      Telephone NumberEX-10.1

AGREEMENT

RELEASE AND WAIVER

This Agreement, Release and Waiver (“Agreement”) is entered into by and between William S.
Harrison (“you”) and Municipal Mortgage & Equity, LLC (the “Company” or “we”).

1. In consideration of your separation from employment with the Company effective January 1, 2006
(“Exit Date”) and your provision of certain waivers included later in this Agreement, the Company
agrees to provide you with a lump sum cash payment of Four Hundred Eighty-Five Thousand Dollars
($485,000), which will be made within ten (10) days of our receipt of this signed Agreement. We
will make this payment to you only on the condition that you have signed this Agreement, have not
exercised your right to revoke this Agreement and have fulfilled the other obligations of this
Agreement.

You will receive consideration for a 2005 annual bonus, to be paid with the regular bonus
cycle, which has an anticipated payout in March 2006.

2. Your medical, dental and vision coverage will continue until January 31, 2006. You will then be
eligible for coverage, at your expense, at the applicable COBRA cost. If you elect COBRA, the
Company will pay your premiums for the first three (3) months. You will receive a COBRA election
form in the mail within the next 2-3 weeks.

3. The consideration described above is over and above any benefit to which you are entitled under
the Company’s benefit plans and policies upon termination of your employment, including, without
limitation, all Paid Time Off time accrued, but not used, in accordance with the Company Employee
Handbook.

4. Your life insurance will terminate January 1, 2006. You may convert this coverage to an
individual policy, in an amount equal to or less than the coverage level you currently have,
through our carrier, Guardian. Short-term and long-term disability coverage will also terminate on
January 1, 2006 per the plan policy. There are no conversions for these coverages.

5. Your 401 (k) contributions to the plan and the subsequent Company match (if applicable) will end
on your Exit Date. A letter including information regarding vesting and how to request a
distribution will be mailed to you. You will also have the option to maintain funds in the plan
provided that your plan balance is at least $5,000.

6. You will be eligible for unemployment compensation in accordance with applicable state laws.

7. In exchange for the Company’s agreement to provide the consideration described in paragraphs 1
and 2, you knowingly and voluntarily agree to RELEASE and DISCHARGE the Company, its affiliates and
any of the Company’s officers, directors or employees (“Affiliates”) from any and all past or
present debts, obligations, claims, causes of action or judgments (including attorneys’ fees),
including, without limitation, those which might arise out of allegations for breach of contract,
or any tort, legal actions under Title VII of the Civil Rights Act of 1964, as amended, the Civil
Rights Act of 1866 and 1871, the Americans with Disabilities Act, the Age Discrimination in
Employment Act as amended by various congressional enactments including the Older Workers Benefit
Protection Act, the Equal Pay Act, the Rehabilitation Act, Executive Order 11246, or any other
Federal, State, local or common law concerning age, gender, race, religion, national origin,
disability or any other alleged discrimination, any other law or regulation or any other theory of
recovery. If any such actions are pending, you agree to withdraw them without prejudice before
receipt of the consideration described in paragraph 1. You also agree, to the full extent
permitted by law, to waive any and all causes of action and not file any claims or lawsuits of any
kind against the Company or its Affiliates. ADDITIONALLY, YOU SPECIFICALLY, KNOWINGLY AND
VOLUNTARILY WAIVE ANY AND ALL RIGHTS OR CLAIMS YOU MAY HAVE UNDER THE AGE DISCRIMINATION IN
EMPLOYMENT ACT.

8. You agree that neither you, nor any non-governmental person, organization or other entity acting
on your behalf, has in the past or will in the future file any lawsuit asserting any claim that is
waived under paragraph 7. If you break this promise and file a lawsuit making any claim waived in
this Agreement, you will pay for all costs, including reasonable attorneys’ fees, incurred by the
Company in defending against your claim. Furthermore, you give up your right to individual damages
in connection with any administrative or court proceeding with respect to your employment with
and/or termination of employment from the Company and if you are awarded money damages, you hereby
assign to the Company your right and interest to such money damages. Notwithstanding the
foregoing, this paragraph does not limit your right to challenge the validity of this Agreement in
a legal proceeding under the Older Workers Benefit Protection Act, 29 U.S.C. 626 section (f) with
respect to claims under the Age Discrimination in Employment Act.

9. You agree that the consideration described in paragraph 1 is confidential and you will not
disclose it to anyone except your spouse, attorney or financial advisor. Should you wish to
consult with anyone other than your spouse, attorney or financial advisor about the terms of this
Agreement, you must obtain our prior written consent, which we will not withhold unreasonably.

10. As an employee of the Company, you had access to confidential and proprietary information
relating to the Company’s customers, operations and financial methods and processes that is not
generally known to the public and which the Company considers a valuable, special and unique asset.
You agree to maintain that information in confidence and not disclose it to any person. When you
leave the Company premises, you will leave or return to the Company all Company records, keys,
codes, equipment and files, including all electronic media.

11. You agree not to solicit any employee of MMA to change employment.

12. If you become employed by or undertake to work in any capacity for Charter Mac or its
affiliates, you agree not to solicit for business any client, customer, or investor of MMA which
closed a transaction with MMA during the thirty-six months preceding the Exit Date.

13. You agree to refrain from making any derogatory, unflattering and/or disparaging oral or
written statements to the public, or to any third party about the Company or its business
practices.

14. You understand and agree that the consideration described in paragraphs 1 and 2 is expressly
contingent on strict compliance with the terms and conditions of this Agreement, and that if you
fail to comply with any of the terms of this Agreement, the Company is entitled to the return of
any payment made to you or on your behalf. In addition, we reserve the right to institute and
prosecute proceedings in any court to obtain damages or seek any other remedy for breach of this
Agreement.

15. You acknowledge that you have twenty-one (21) days to consider this Agreement and if you do not
return a signed copy of this Agreement to Penny Hosey, Vice President, at the address noted below
on or before January 23, 2006, this Agreement is null and void and unenforceable, and you will not
be entitled to the consideration described in paragraphs 1 and 2.

16. You also acknowledge that you have been specifically informed by us that for a period of seven
(7) calendar days following your signing of this document that you have an absolute right to revoke
this Agreement by notifying Penny Hosey, Vice President, at the address noted below in writing on
or before the expiration of the 7-day period. This Agreement is not effective or enforceable until
this 7-day revocation period has expired.

17. This Agreement takes precedence over any other agreements or understandings that you had with
the Company in the past and neither you nor the Company can change this Agreement other than
through a written document signed by both of us.

18. This Agreement is governed by the laws of Maryland.

19. You agree that if any provision of this Agreement Release and Waiver is determined by a court
to be illegal, invalid or unenforceable, that provision shall not be a part of this Agreement. The
legality, validity and enforceability of the remaining provisions shall not be affected by a
determination that a provision of this Agreement is illegal, invalid or unenforceable.

20. The Company advises you to consult with an attorney before executing this Agreement. You also
acknowledge that you have read and understand this Agreement and you have signed it freely and
voluntarily.

IN WITNESS WHEREOF, WILLIAM S. HARRISON does hereby execute this Agreement on January 4, 2006.

/s/ William S. Harrison (SEAL)

William S. Harrison

Municipal Mortgage & Equity, LLC

By: /s/ David Whitmore

Name: David Whitmore

Title: Senior Vice President

RETURN TO: Penny Hosey

MuniMae

621 East Pratt Street

Suite 300

Baltimore, Maryland 21202

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