On December 20, 2012, CarePayment Technologies, Inc. and Aequitas Commercial Finance, LLC entered into amendment No. 4 to promissory note and business loan agreement pursuant to which (1) the aggregate principal amount that the company may borrow under the loan documents was increased from $6,000,000 to $8,000,000, and (2) the interest rate on the outstanding principal balance due under the loan documents will decrease from 12.5% per annum to 11.5% per annum beginning on January 1, 2013. As of the date of this current report on form 8-K, the outstanding principal balance owing under the loan documents is $5,931,000.00.

Accrued interest on the unpaid principal balance owing under the loan documents is paid monthly.