Document:

AMENDMENT NO. 3 TO THE SECURITIES PURCHASE
                  AGREEMENT TRANSACTION DOCUMENTS BETWEEN RAMP
              CORPORATION, DKR SOUNDSHORE OASIS HOLDING FUND LTD.,
             HARBORVIEW MASTER FUND LP AND PLATINUM PARTNERS VALUE
               ARBITRAGE FUND FOR THE PURCHASE OF THE CONVERTIBLE
            DEBENTURES, DUE DECEMBER 1, 2005, COMMON STOCK PURCHASE
                   WARRANTS AND ADDITIONAL INVESTMENT RIGHTS

         This  Amendment  No.  3  ("Amendment")  is made to:  (i)  that  certain
Securities  Purchase  Agreement  ("Purchase  Agreement") dated as of January 12,
2005 among Ramp Corporation  (the "Company"),  DKR Soundshore Oasis Holding Fund
Ltd. ("DKR"),  Harborview  Master Fund LP  ("Harborview")  and Platinum Partners
Value Arbitrage Fund ("Platinum", and collectively, DKR, Harborview and Platinum
shall be  referred  to  herein  as,  a  "Purchaser"  and  collectively  as,  the
"Purchasers"),  along  with the  other  agreements  entered  into in  connection
therewith,  for the purchase of the 8% Convertible  Debentures,  due December 1,
2005 issued to the  Purchasers  (the  "Debentures"),  the Common Stock  Purchase
Warrants  issued to the Purchasers (the  "Warrants")  and Additional  Investment
Rights (the "AIR") granted to the Purchasers,  (ii) that certain Amendment No. 1
to the  Securities  Purchase  Agreement,  dated March 30, 2005, by and among the
Company and the Purchasers ("Amendment No. 1"), and (iii) that certain Amendment
No. 2 to the Securities Purchase  Agreement,  dated April 12, 2005, by and among
the Company and the Purchasers  ("Amendment  No. 2", and  collectively  with the
Amendment and Amendment No.1, the "Amendments").  Capitalized terms used but not
defined  herein  shall have the  meanings  given to such  terms in the  Purchase
Agreement.

         For good and valuable  consideration,  the receipt and  sufficiency  of
which are hereby acknowledged, the parties hereby agree as follows:

         1.  Termination  of AIR.  Effective  immediately,  the Company and each
Purchaser, severally and not jointly with the other Purchasers, hereby agrees to
terminate  each   outstanding  AIR  held  by  such  Purchaser.   Following  such
termination,  each  outstanding  AIR shall be null and void,  and shall be of no
further force and effect whatsoever,  and the Company shall have no liability or
obligation with respect to such AIR.

         2. Issuance of New Warrant.  The Company hereby agrees to issue to each
Purchaser,  severally and not jointly with the other Purchasers,  a warrant (the
"New  Warrant")  to  purchase  up to a number of  shares of Common  Stock of the
Company  equal to the sum of (a) such  Purchaser's  Subscription  Amount  at the
First Closing and (b) such  Purchaser's  Subscription  Amount funded pursuant to
this  Amendment,  divided by $1.25,  which warrant shall have an exercise  price
equal to $1.25,  subject to adjustment therein,  and be otherwise in the form of
the  Warrants.  The term  "Warrant" as used under the  Transaction  Documents is
hereby amended to include the New Warrant.

         3. Replacement Provision in the New Warrant. Solely with respect to the
New Warrant, Section 3(b) of the New Warrant is hereby amended and replaced with
the following provision:

<PAGE>

         "Subsequent Equity Sales. If the Company or any Subsidiary  thereof, as
         applicable, at any time while this Warrant is outstanding, shall offer,
         sell, grant any option to purchase or offer, sell or grant any right to
         reprice its securities,  or otherwise  dispose of or issue (or announce
         any offer,  sale, grant or any option to purchase or other disposition)
         any Common Stock or Common Stock  Equivalents  entitling  any Person to
         acquire  shares of Common Stock,  at an effective  price per share less
         than the then Exercise Price (such lower price,  the "Base Share Price"
         and such issuances  collectively,  a "Dilutive Issuance"),  as adjusted
         hereunder   (if  the  holder  of  the  Common  Stock  or  Common  Stock
         Equivalents  so  issued  shall at any time,  whether  by  operation  of
         purchase price  adjustments,  reset  provisions,  floating  conversion,
         exercise or exchange prices or otherwise,  or due to warrants,  options
         or rights per share which is issued in connection  with such  issuance,
         be entitled to receive shares of Common Stock at an effective price per
         share which is less than the Exercise  Price,  such  issuance  shall be
         deemed to have  occurred for less than the Exercise  Price on such date
         of the Dilutive  Issuance),  then,  the Exercise Price shall be reduced
         and only  reduced  to equal  the Base  Share  Price  and the  number of
         Warrant  Shares  issuable  hereunder  shall be increased  such that the
         aggregate Exercise Price payable  hereunder,  after taking into account
         the decrease in the  Exercise  Price,  shall be equal to the  aggregate
         Exercise Price prior to such adjustment.  Such adjustment shall be made
         whenever  such Common  Stock or Common  Stock  Equivalents  are issued.
         Notwithstanding  the foregoing,  no adjustments  shall be made, paid or
         issued under this Section  3(b) in respect of an Exempt  Issuance.  The
         Company  shall notify the Holder in writing,  no later than the Trading
         Day  following  the  issuance  of any  Common  Stock  or  Common  Stock
         Equivalents subject to this section,  indicating therein the applicable
         issuance  price,  or  of  applicable   reset  price,   exchange  price,
         conversion  price and other  pricing  terms (such notice the  "Dilutive
         Issuance  Notice").  For purposes of clarification,  whether or not the
         Company  provides a Dilutive  Issuance  Notice pursuant to this Section
         3(b), upon the occurrence of any Dilutive  Issuance,  after the date of
         such  Dilutive  Issuance  the Holder is entitled to receive a number of
         Warrant  Shares based upon the Base Share Price  regardless  of whether
         the Holder  accurately  refers to the Base Share Price in the Notice of
         Exercise."

         4. Waiver of  Conditions  Precedent  and  Receipt of 50% of  Additional
Subscription  Amounts at Second Closing.  Simultaneously upon receipt of the New
Warrant by a Purchaser  and  receipt by such  Purchaser  of a  Debenture  with a
principal amount equal to 50% of the Purchaser's  Subscription  Amount as to the
Second  Closing,  such  Purchaser,  severally  and not  jointly  with the  other
Purchasers,  shall  agree to waive  Section  2.3(c) to the Second  Closing as it
relates to such principal  amount of Debentures and shall wire the amount of 50%
of  such  Purchaser's   Subscription  Amount  as  to  the  Second  Closing  (the
"Additional  Subscription Amount") to the account as specified in writing by the
Company. Upon the Company's receipt of such Additional Subscription Amount, such
Purchaser  shall  thereafter  have no other  obligations  to fund the  remaining
balance of the Subscription  Amount as to the Second Closing,  which obligations

                                       2
<PAGE>

shall be deemed terminated and of no further force or effect,  and the Purchaser
shall have no other obligations to the Company to purchase any securities of the
Company.  Notwithstanding  anything  herein  to  the  contrary,  DKR  is  hereby
authorized  to pay  directly  to FW  the  amount  of  $7,500  of its  Additional
Subscription Amount for legal fees and expenses incurred in connection with this
Amendment.

         5.  Representations  and Warranties of the Company.  The Company hereby
represents  and  warrants  to each  Purchaser  that,  except as set forth on the
Disclosure Schedules or a schedule attached hereto provided by the Company, that
all  representations  and  warranties  of  the  Company  made  pursuant  to  the
Transaction  Documents  are  accurate  in all  material  respects as of the date
hereof, except as otherwise disclosed under the Amendments, and all obligations,
covenants  and  agreements  of the Company  required to be  performed  under the
Transaction Documents prior to the date hereof have been performed.

         6.  Representations  and Warranties of each Purchaser.  Each Purchaser,
severally and not jointly with the other Purchasers,  represents and warrants to
the Company that all  representations  and  warranties  of such  Purchaser  made
pursuant to the Transaction  Documents are accurate in all material  respects as
of the  date  hereof  and all  obligations,  covenants  and  agreements  of such
Purchaser required to be performed under the Transaction  Documents prior to the
date hereof have been performed.

         7.  Registration  Obligations.  The  definition of "Filing Date" in the
Registration  Rights Agreement is hereby amended to be not later than 10:00 p.m.
on Wednesday,  May 18, 2005 and the definition of "Effectiveness Date" is hereby
amended to be August  11,  2005.  All  liquidated  damages,  late fees and other
Events that have occurred  under the  Registration  Rights  Agreement are hereby
waived by each  Purchaser  through  and  including  the date of this  Agreement;
provided,  however,  that if an Event  occurs  after the date  hereof  under the
Registration  Rights  Agreement,  such waiver  shall be deemed null and void and
each Purchaser shall be entitled to receive, in addition to any other liquidated
damages and fees that have accrued at such time, all liquidated damages and fees
that have accrued  pursuant to the  Registration  Rights  Agreement but have not
been paid prior to the date hereof.

         8.  Commencement  of Monthly  Redemptions.  The  definition of "Monthly
Redemption  Date" in the  Debentures  is hereby  amended and  replaced  with the
following:

     ""Monthly  Redemption Date" means the 1st of each month,  commencing on the
     earlier of (a) July 15, 2005 and (b) the first such date following the 20th
     day after the  Effective  Date and ending upon the full  redemption of this
     Debenture"

         9. Extension of Maturity Date. The definition of the "Maturity Date" in
the Debentures shall be, in no event, later than February 1, 2006.

         10.  Shareholder  Approval.  Unless (a) the Trading Market notifies the
Company  that  Shareholder  Approval is not required for the issuance in full of
all of the  Underlying  Shares  (including  the New Warrant) and (b) the Company
provides the Purchasers  with a written  representation  to such effect and that
the  Purchasers  are not limited  from  converting  the  Debentures  pursuant to

                                       3
<PAGE>

Section 4(c)(i) of the Debentures or exercising the Warrants pursuant to Section
2(d)(ii) of the  Warrants,  the Company  shall use  reasonable  best  efforts to
obtain Shareholder  Approval for such issuance at its next annual meeting of the
stockholders  to be held not  later  than  August  31,  2005 (the  "2005  Annual
Meeting").  If the  Company  does not obtain  such  Shareholder  Approval at the
Annual Meeting,  the Company shall call a special meeting of stockholders  every
four months  thereafter to seek such  Shareholder  Approval until the earlier of
the date such  Shareholder  Approval is obtained or the Debentures are no longer
outstanding.  Additionally,  until the earlier of (a) the date such  Shareholder
Approval is obtained or (b) the date that (i) the Trading  Market  notifies  the
Company  that  Shareholder  Approval is not required for the issuance in full of
all of the  Underlying  Shares  (including the New Warrant) and (ii) the Company
provides the Purchasers  with a written  representation  to such effect and that
the  Purchasers  are not limited  from  converting  the  Debentures  pursuant to
Section 4(c)(i) of the Debentures in full or exercising the Warrants pursuant to
Section  2(d)(ii) of the Warrants in full, the Company shall not be permitted to
issue any Common Stock or Common Stock  Equivalents  with an effective per share
purchase  price  (whether at the time of such issuance or by virtue thereof at a
later time) for less than $1.25,  subject to adjustment  for reverse and forward
stock splits, stock dividends, stock combinations and other similar transactions
of the Common Stock that occur after the date of this Agreement.

         11. Waivers and Consents.  Each Purchaser,  independently  of any other
Purchaser: (a) acknowledges and consents to the issuance by the Company of up to
an additional  $750,000 of 8% convertible  debentures and warrants pursuant to a
Second Closing under that certain  Securities  Purchase  Agreement,  dated as of
March 31, 2005,  by and among the Company and the  purchasers  which are a party
thereto,  as  amended  by that  certain  Amendment  No. 1,  dated as of the date
hereof,  by and among the Company and the  purchasers  which are a party thereto
(the "May  Amendment")  on the same terms and  conditions as the issuance of the
Debentures  and  Warrants to the  Purchasers  under the Purchase  Agreement,  as
amended,  and to the  New  Warrant  (as  defined  in the  May  Amendment)  (such
additional issuance,  "Additional  Issuance");  (b) consents and agrees that the
shares of Common Stock underlying the Additional Issuance (as required under the
registration  rights  agreement,  dated as of March 31,  2005,  by and among the
Company and the purchasers  which are a party thereto entered into in connection
with the Additional  Issuance) may be included for  registration  on the initial
registration  statement to be filed by the Company under the Registration Rights
Agreement;  (c) waives  any of its rights  under  Section  4.13 of the  Purchase
Agreement  with  respect  to  the  Additional  Issuance;   and  (d)  waives  any
anti-dilution  rights under the Warrant with respect to the Additional Issuance.
Additionally,  such that the terms and conditions of the May Amendment  shall be
on  the  same  terms  and  conditions  of  the  Transaction  Documents,  Section
2.2(a)(iii) of the Purchase Agreement is hereby amended and restated as follows:

         "(iii) a Warrant  registered in the name of such  Purchaser to purchase
         up to a  number  of  shares  of  Common  Stock  equal  to  100% of such
         Purchaser's  Subscription  Amounts  divided by $1.25,  with an exercise
         price equal to $1.25, subject to adjustment as set forth therein;"

                                       4
<PAGE>

and,  in  addition  to the  Warrant to be issued to the  Purchasers  pursuant to
Section 2.2(a)(iii) in connection with the Additional  Subscription  Amount, the
Company  shall  issue each  Purchaser  a make whole  Warrant to purchase up to a
number of Warrant  Shares  that the  Purchaser  would  otherwise  have  received
pursuant to Section  2.2(a)(iii),  as amended,  at the First  Closing,  less the
Warrant Shares  issuable  pursuant to the Warrant  actually  issued at the First
Closing.  The Company acknowledges and confirms that the term Warrant as used in
the Transaction Documents includes the Warrants issued hereunder.

         12. Filing of Form 8-K.  Within 2 Trading Days of the date hereof,  the
Company shall file a Current Report on Form 8-K disclosing the material terms of
this Amendment and attaching this Amendment as an exhibit thereto.

         13. Effect on Purchase Agreement. Except as expressly set forth herein,
all of the terms and conditions of the Purchase Agreement,  the Debentures,  the
Warrants and Amendment  No. 1 and  Amendment No. 2 shall  continue in full force
and effect after the  execution of this  Amendment,  and shall not be in any way
changed, modified or superseded by the terms set forth herein and the provisions
of this  Amendment,  Amendment  No. 1 and  Amendment No. 2, if not expressly set
forth  herein,  shall  otherwise  be subject to the  provisions  of the Purchase
Agreement.

         14.  Independent  Nature of  Purchasers'  Obligations  and Rights.  The
obligations  of each  Purchaser  under the  Amendments are several and not joint
with  the  obligations  of any  other  Purchaser,  and  no  Purchaser  shall  be
responsible  in any way for the  performance  of the  obligations  of any  other
Purchaser under the Amendments.  Nothing contained herein or in this Amendments,
and no  action  taken by any  Purchaser  pursuant  thereto,  shall be  deemed to
constitute the Purchasers as a partnership,  an association,  a joint venture or
any other kind of entity, or create a presumption that the Purchasers are in any
way  acting in concert or as a group  with  respect to such  obligations  or the
transactions contemplated by the Amendments. Each Purchaser shall be entitled to
independently  protect and enforce its rights,  including without limitation the
rights  arising out of the  Amendments,  and it shall not be  necessary  for any
other  Purchaser to be joined as an additional  party in any proceeding for such
purpose.  Each Purchaser has been  represented by its own separate legal counsel
in their review and negotiation of the Amendments. For reasons of administrative
convenience  only,  Purchasers  and  their  respective  counsel  have  chosen to
communicate  with the  Company  through  FW.  FW does not  represent  all of the
Purchasers but only DKR. The Company has elected to provide all Purchasers  with
the same terms under the Amendments  for the  convenience of the Company and not
because it was required or requested to do so by the Purchasers.

         15.  Definitions.  Capitalized  terms not otherwise defined herein have
the meanings given to such terms in the Purchase  Agreement,  the Debentures and
the Warrants.

                              *********************

                                       5
<PAGE>

         Executed  as of  May  13,  2005  by  the  undersigned  duly  authorized
representatives of the Company and Purchasers:

RAMP CORPORATION                          DKR SOUNDSHORE OASIS HOLDING FUND LTD.

By: ____________________________          By: ____________________________
      Name:                                     Name:
      Title:                                    Title:

HARBORVIEW MASTER FUND LP                 PLATINUM PARTNERS VALUE ARBITRAGE FUND

By: ____________________________          By: ____________________________
      Name:                                     Name:
      Title:                                    Title:

                                       6Exhibit 10.8

                                 PROMISSORY NOTE

                           $10,000.00 Phoenix, Arizona
                                December 7, 2004

1. FUNDAMENTAL PROVISIONS.

The following terms will be used as defined terms in this Note:

Payee and Holder:              E. James Wexler

Maker:                         Fenton Graham Marketing, Inc.

Principal Amount:              Ten Thousand Dollars ($10,000)

Interest Accrual Date:         December 8, 2004

Interest Rate:                 Nine percent (9%) per annum.

Default Interest Rate:         Fifteen percent (15%) per annum

Maturity Date:                 December 7, 2006

Business Day:                  Any day of the year other than Saturdays,
                               Sundays, or legal holidays.

Loan Documents:                The Note and any other documents executed
                               in connection with the Loan.

Loan:                          The loan from Payee to Maker in the
                               Principal Amount and evidenced by this Note.

2. PROMISE TO PAY.

For value received, Maker, promises to pay to the order of Holder, at the office
of Payee at 11711 E. Wethersfield Dr., Scottsdale, AZ 85259 or at such other
place as the Holder hereof may from time to time designate in writing, the
Principal Amount of Ten Thousand Dollars ($10,000.00).

3. INTEREST; PAYMENTS.

(a) Absent an Event of Default hereunder or under any of the Loan Documents, the
interest on this Note shall be 9%. Any future advances or unpaid balances beyond
the maturity date shall bear interest at the Default Interest Rate stated.
Throughout the term of this Note, interest shall be calculated on a 360-day year

<PAGE>

with respect to the unpaid balance of the Principal Amount beyond the maturity
date and, in all cases, shall be computed for the actual number of days in the
period for which interest is charged, which period shall consist of 360 days on
an annual basis.

(b) All payments due hereunder shall be made (i) without deduction of any
present and future taxes, levies, imposts, deductions, charges or withholdings,
which amounts shall be paid by Maker, and (ii) without any other set off. Maker
will pay the amounts necessary such that the gross amount of the principal and
interest received by the Holder hereof is not less than that required by this
Note.

(c)The Note shall be repaid in full on December 7, 2006 (the "Balloon Payment").
Interest shall be paid in full at the time of the balloon payment. The Balloon
Payment shall consist of repayment of the Principal in full ($10,000.00) plus
the interest payment of $1,800.00 for a total final payment of $11,800.00.

(d) If any payment to be made by maker hereunder shall become due on a day which
is not a Business Day, such payment shall be made on the next succeeding
Business Day.

4. PREPAYMENT.

Maker shall have the right to prepay the Principal Amount, or any portion
thereof, without premium or penalty, provided that Maker shall provide the
Holder with at least five (5) days prior written notice of Maker's intent to
make any prepayment.

5. LAWFUL MONEY.

Principal and interest are payable in lawful money of the United States of
America.

6. APPLICATION OF PAYMENTS/LATE CHARGE.

(a) Absent the occurrence of an Event of Default hereunder or under any of the
other Loan Documents, any payments received by the Holder hereof pursuant to the
terms hereof shall be applied first to sums, other than principal and interest,
due the Holder hereof pursuant to the Loan Documents, next to the payment of all
interest accrued to the date of such payment, and the balance, if any, to the
payment of principal. Any payments received by the Holder hereof after the
occurrence of an Event of Default hereunder or under any of the Loan Documents,
shall be applied to the amounts specified in this Paragraph 6(a) in such order
as the Holder hereof may, in its sole discretion, elect.

(b) If any payment of interest and/or principal is not received by the Holder
hereof when such payment is due, then (i) a late charge of five percent (5%) of
the amount of the installment due and unpaid will be added to the delinquent
amount to compensate the Holder hereof for the expense of handling the
delinquency for any payment past due in excess of ten (10) days, regardless of
any notice and cure periods, and, (ii) the amount due and unpaid (including,
without limitation, the late charge) shall bear interest at the Default Interest
Rate, computed from the date on which the amount was due and payable until paid.

                                       2
<PAGE>

7. SECURITY.

Not Applicable.

8. EVENT OF DEFAULT.

The occurrence of any of the following shall be deemed to be an event of default
(Event of Default) hereunder:

(a) default in the payment of principal or interest when due; or

(b) the occurrence of an Event of Default under any of the Loan Documents,
including but not limited to this Note.

9. REMEDIES.

Upon the occurrence of an Event of Default, then at the option of the Holder
hereof: (a) the entire balance of principal together with all accrued interest
thereon, and all other amounts payable by Maker under the Loan Documents shall,
without demand or notice, immediately become due and payable. Upon the
occurrence of an Event of Default, (and so long as such Event of Default shall
continue), the entire balance of principal hereof, together with all accrued
interest thereon, all other amounts due under the Loan Documents, and any
judgment for such principal, interest, and other amounts shall bear interest at
the Default Interest Rate from the date of the last interest payment, subject to
the limitations contained in Paragraph 14 hereof. No delay or omission on the
part of the Holder hereof in exercising any right under this Note or under any
of the other Loan Documents hereof shall operate as a waiver of such right.

10. WAIVER.

Maker, endorsers, guarantors, and sureties of this Note hereby waive diligence,
demand for payment, presentment for payment, protest, notice of nonpayment,
notice of protest, notice of non payment, notice of intent to accelerate, notice
of acceleration, notice of dishonor, any notice of nonpayment, and all other
notices or demands of any kind (except notices specifically provided for in the
Loan Documents) and expressly agree that, without in any way affecting the
liability of Maker, endorsers, guarantors, or sureties, the Holder hereof may
extend any maturity date or the time for payment of any installment due
hereunder, otherwise modify the Loan Documents, accept additional security,
release any person liable, and release any security or guaranty. Maker,
endorsers, guarantors, and sureties waive, to the full extent permitted by law,
the right to plead any and all statutes of limitations as a defense.

11. CHANGE, DISCHARGE, TERMINATION, OR WAIVER.

No provision of this Note may be changed, discharged, terminated, or waived
except in writing signed by the party against whom enforcement of the change,
discharge, termination or waiver is sought. No failure on the part of the Holder
hereof to exercise and no delay by the Holder hereof in exercising any right or
remedy under this Note or under the law shall operate as a waiver thereof.

                                       3
<PAGE>

12. ATTORNEYS' FEES.

If this Note is not paid when due or if any Event of Default occurs, Maker
promises to pay all costs of enforcement and collection and preparation
therefor, including but not limited to, reasonable attorneys' fees, whether or
not any action or proceeding is brought to enforce the provisions hereof
(including, without limitation, all such costs incurred in connection with any
bankruptcy, receivership, or other court proceedings (whether at the trial or
appellate level).

13. SEVERABILITY.

If any provision of this Note is unenforceable, the enforceability of the other
provisions shall not be affected and they shall remain in full force and effect.

14. INTEREST RATE LIMITATION.

Maker hereby agrees to pay an effective rate of interest that is the sum of the
interest rate provided for herein, together with any additional rate of interest
resulting from any other charges of interest or in the nature of interest paid
or to be paid in connection with the Loan, including, without limitation, any
fees to be paid by maker pursuant to the provisions of the Loan Documents.
Holder and Maker agree that none of the terms and provisions contained herein or
in any of the Loan Documents shall be construed to create a contract for the
use, forbearance or detention of money requiring payment of interest at a rate
in excess of the maximum interest rate permitted to be charged by the laws of
the State of Arizona. In such event, if any Holder of this Note shall collect
monies which are deemed to constitute interest which would otherwise increase
the effective interest rate on this Note to a rate in excess of the maximum rate
permitted to be charged by the laws of the State of Arizona, all such sums
deemed to constitute interest in excess of such maximum rate shall, at the
option of the Holder, be credited to the payment of other amounts payable under
the Loan Documents or returned to Maker.

15. NUMBER AND GENDER.

In this Note the singular shall include the plural and the masculine shall
include the feminine and neuter gender, and vice versa.

16. HEADINGS.

Headings at the beginning of each numbered section of this Note are intended
solely for convenience and are not part of this Note.

17. CHOICE OF LAW.

This Note shall be governed by and construed in accordance with the laws of the
State of Arizona without giving effect to conflict of laws principles. Exclusive
jurisdiction on all litigation will be in the Superior Court of Maricopa County,
Arizona.

18. INTEGRATION.

The Loan Documents contain the complete understanding and agreement of the
Holder hereof and Maker and supersede all prior representations, warranties,
agreements, arrangements, understandings, and negotiations.

                                       4
<PAGE>

19. BINDING EFFECT.

The Loan Documents will be binding upon, and inure to the benefit of, the Holder
hereof, Maker, and their respective successors and assigns. Maker may not
delegate its obligations under the Loan Documents.

20. TIME IS OF THE ESSENCE.

Time is of the essence with regard to each provision of the Loan Documents as to
which time is a factor.

21. SURVIVAL.

The representations, warranties, and covenants of the Maker in the Loan
Documents shall survive the execution and delivery of the Loan Documents and the
making of the Loan.

22. WAIVER OF JURY TRIAL.

MAKER HEREBY EXPRESSLY WAIVES ANY RIGHT TO A TRIAL BY JURY IN ANY ACTION OR
PROCEEDING TO ENFORCE OR DEFEND ANY RIGHTS UNDER THIS NOTE OR UNDER ANY
AMENDMENT, INSTRUMENT, DOCUMENT, OR AGREEMENT DELIVERED (OR WHICH MAY IN THE
FUTURE BE DELIVERED) IN CONNECTION HEREWITH OR ARISING FROM ANY LENDING
RELATIONSHIP EXISTING IN CONNECTION WITH THIS NOTE. MAKER AGREES THAT ANY SUCH
ACTION OR PROCEEDING SHALL BE TRIED BEFORE THE COURT AND NOT BEFORE A JURY.

MAKER

Fenton Graham Marketing, Inc.

         /s/ J.P. Schrage
------------------------------------

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