FOURTH AMENDMENT TO THE PURCHASE AGREEMENT BY AND BETWEEN LOWER
              TOWN DEVELOPMENT GROUP,  L.L.C. AND UNIVERSITY BANK DATED
              SEPTEMBER 14TH, 2002 ("Agreement")

              The parties hereby agree to amend the terms of the Agreement as
              follows:

              If University Bank, in is sole discretion, can give notice on or
              before June 15, 2005 that it will vacate the premises commonly
              known as 959 Maiden Lane, Ann Arbor, Michigan by August 1, 2005,
              the following modifications to the Agreement shall apply:

1)                Lower Town Development Group, L.L.C. shall pay to University
                  Bank $800,000 upon the closing of the construction financing
                  pertaining to the project commonly known as Lower Town or
                  December 31, 2005, which ever occurs first; and

2)                Lower Town Development Group, L.L.C. shall pay the $200,000
                  that was deferred from the sale of 959 Maiden Lane on or
                  before December 31, 2005. The purchase price under the
                  Agreement shall be $2,000,000 for the contemplated facility.


Lowertown Development Group, LLC,
By: Terra Management Company, Manager

/s/Scott A. Chappelle
---------------------------------
Scott A. Chappelle
Its:  Manager



University Bank

By:Stephen Lange Ranzini
------------------------------
Stephen Lange Ranzini
Its: President