1. Commandments for Good Banking Relationships Find more advice on developing a good relationship with a lending institution.

2. Agrees, represents and warrants hereby that it shall not Circumvent WAKABAYASHI with respect to any banking or lending institution, investment bank, trust, corporation, individual or investor introduced by WAKABAYASHI to MBEACH SOFTWARE, INC

3. Collateralized Mortgage Obligation (CMO) refers to an investment backed by mortgages wherein mortgages of similar nature are pooled by the banker lending institution and sold as bonds to the CMO investors and such investors receive their money back when the original borrowers repay their loan amounts in time which the lending institutions pass to the CMO investors at the agreed terms.