SECOND AMENDMENT TO 6% PROMISSORY NOTES

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DELTA MUTUAL INC

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Title: SECOND AMENDMENT TO 6% PROMISSORY NOTES
Date: 5/20/2009
Industry: Waste Management Services Sector: Services

EXHIBIT 10.48a

SECOND AMENDMENT TO

6% PROMISSORY NOTES

SECOND AMENDMENT TO 6% PROMISSORY NOTES, is dated as of April 16, 2009; made by and between Delta Mutual, Inc., a Delaware corporation, with its principal offices located at 14301 North 87 ^th Street, # 310, Scottsdale, AZ 85260 (the “Company”) and Egani, Inc., an Arizona corporation, (the “Lender”) with a mailing address of 8260 East Raintree Drive, Scottsdale, AZ 85260. Capitalized terms used herein and not otherwise defined herein shall have the meaning assigned to such term in the Original Notes.

WHEREAS, the Company and the Lender are parties to those certain 6% Promissory Notes, dated March 6, 2008; April 28, 2008; and September 18, 2008, all as amended (collectively, the “Original Notes”), pursuant to which the Company has borrowed, in the aggregate, the amount of $43,900 from the Lender;

WHEREAS, the Original Notes provide

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