ANNEX A TO THE SECOND AMENDMENT TO

THE SECURITIES PURCHASE AGREEMENT

Maximum Debt to Value Ratios and Maximum Balances

Month End	Maximum Outstanding Balance	Maximum Debt to Value Ratio
3/31/2007	28,000,000	80.00%
4/30/2007	28,000,000	80.00%
5/31/2007	28,000,000	80.00%
6/30/2007	28,000,000	80.00%
7/31/2007	28,000,000	80.00%
8/31/2007	28,000,000	80.00%
9/30/2007	28,000,000	80.00%
10/31/2007	28,000,000	80.00%
11/30/2007	28,000,000	80.00%
12/31/2007	28,000,000	80.00%
1/31/2008	28,000,000	80.00%
2/29/2008	28,000,000	80.00%
3/31/2008	28,000,000	80.00%
4/30/2008	28,000,000	80.00%
5/31/2008	28,000,000	80.00%
6/30/2008	28,000,000	80.00%
7/31/2008 (*)	14,000,000	80.00%
8/31/2008	14,000,000	80.00%
9/30/2008	14,000,000	80.00%
10/31/2008	14,000,000	80.00%
11/30/2008	14,000,000	80.00%
12/31/2008	14,000,000	80.00%
1/31/2009	14,000,000	80.00%
2/28/2009	14,000,000	80.00%
3/31/2009	14,000,000	80.00%
4/30/2009	13,777,500	79.59%
5/31/2009	13,216,500	79.65%
6/30/2009	12,740,000	79.22%
7/31/2009	12,211,000	78.95%
8/31/2009	11,698,000	78.60%
9/30/2009	11,167,000	78.29%
10/31/2009	10,492,500	78.13%
11/30/2009	10,003,000	77.58%
12/31/2009	9,462,000	77.31%
1/31/2010	8,987,000	76.90%
2/28/2010	8,502,500	76.58%
3/31/2010	8,008,500	76.26%
4/30/2010	7,472,000	75.98%
5/31/2010	6,943,500	75.64%
6/30/2010	6,414,500	75.31%
7/31/2010	5,893,000	74.97%
8/31/2010	5,371,000	74.64%
9/30/2010	4,856,500	74.30%
10/31/2010	3,824,500	74.62%
11/30/2010	2,409,000	74.80%
12/31/2010	2,343,500	72.75%
1/31/2011	2,343,500	72.26%
2/28/2011	2,061,500	72.37%
3/31/2011	1,543,500	72.35%
4/30/2011	1,543,500	69.88%
5/31/2011	1,543,500	69.77%
6/30/2011	1,518,500	70.70%
7/31/2011	948,000	71.11%
8/31/2011	948,000	69.89%
9/30/2011	895,500	67.74%
10/31/2011	627,000	59.71%
11/30/2011	627,000	66.77%
12/31/2011	0	66.97%

 (*) Maximum Balance Outstanding reduced from $28,000,000 to $14,000,000 by July 2008 Second Amendment to Securities Purchase Agreement

Annex A