SECOND AMENDMENT TO LOAN DOCUMENTS
This SECOND AMENDMENT TO LOAN DOCUMENTS (“Amendment”) is entered into as of January 31,
2005 by and between FLORIDA GAMING CENTERS, INC. , a Florida corporation ( “FGCI” ), CITY
NATIONAL BANK OF FLORIDA , successor by merger to City National Bank of Miami , as Trustee under
Trust Agreement dated January 3, 1979 and known as Trust No. 5003471 (“ Trustee ” and together with
FGCI, the “ Borrower ”) FLORIDA GAMING CORPORATION, a Delaware corporation (“ FGC ”) and
W. BENNETT COLLETT , an individual (together with FGI, the “ Guarantors ”), and FIRST BANK, a
Missouri state chartered bank, as successor by merger to CIB Bank (together with its successors and assigns,
including each and every holder of the Note, as defined below, “ Lender ”).
Pursuant to a certain Loan Agreement dated as of October 21, 2001 between Borrower and
Lender (as amended, the “ Loan Agreement ”), and amended by a certain First Modification of Loan
Documents dated as of October 31, 2004 (“ First Modification ”) between Borrower, Lender, FGC and
Guarantors, Lender has provided Borrower with a loan in the original principal amount of $4,600,000 (“ Loan ”)
which loan is evidenced by that certain First Amended and Restated Note dated as of October 31, 2004 in the
original principal amount of $4,600,000 (“ Note ”) and secured by, among other things, various mortgages on
real property located in St. Lucie County, Florida and Dade County, Florida (collectively, the “ Mortgages ”,
and together with the Loan Agreement, the Note, and any other documents evidencing or securing the Loan, and
any amendments thereto, the “ Loan Documents ”). Terms defined in the Loan Agreement and not otherwise
defined herein shall have the meanings provided in the Loan Agreement.
Guarantors have executed a certain Guaranty dated as of October 31, 2001 which guarantees
the payment and performance of Borrower’s obligations under the Loan Documents.