SECOND AMENDMENT TO LOAN AGREEMENT

Exhibit 10.5 (k)

SECOND AMENDMENT TO LOAN AGREEMENT

This Second Amendment to the Loan Agreement (“Agreement”) is entered into as of March 25, 2010 by and between Bank, Borrower, and Guarantor. Unless otherwise defined herein, all capitalized terms used and not defined herein shall have the meanings assigned to such terms in the Loan Agreement (as amended hereby).

RECITALS

A. Borrower and Bank agreed to and entered into that certain Loan Agreement dated August 26, 2005, as amended by that certain Amendment to Loan Agreement dated March 14, 2006 (the “Loan Agreement”) (to which this Second Amendment is appended) setting forth the covenants, agreements, representations and warranties as the terms upon which the Bank is willing to extend credit to Borrower.

B. Borrower has requested that the Tangible Net Worth and Maximum Debt/Worth Ratio covenants contained in the Loan Agreement be modified such that (i) the Tangible Net Worth threshold is reduced from $14,500,000 to $13,500,000 and the Maximum Debt/Worth Ratio threshold is reduced from 2.0:1 to 1.5:1, and the Bank has approved such request. Accordingly, Borrower and Guarantor have requested the Bank to amend the financial covenants in the Loan Agreement to provide for the foregoing.

NOW, THEREFORE, in consideration of the premises and the mutual agreements, covenants and conditions herein, Borrower and Bank agree as follows:

Clause (i) is deleted in its entirety and replaced with the following text: “(i) a minimum Tangible Net Worth of not less than $13,500,000.00. “Tangible Net Worth” is defined as net worth, plus obligations contractually subordinated to debts owed to Bank, minus goodwill and assets representing claims on stockholders or affiliated entities;”

Clause (iii) is deleted in its entirety and replaced with the following text: “(iii) Maximum Debt to Worth Ratio: A maximum debt/worth ratio of 1.5:1 for the Borrower is to be maintained and tested quarterly. The ratio is to be calculated by dividing total liabilities on the consolidated balance sheet of the Borrower by the Tangible Net Worth of the Borrower as defined above.”