ENCORE CAPITAL GROUP INC
LEASE EXTENSION
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<P align=right><FONT FACE="Times New Roman, Times, Serif" SIZE=2><b>Exhibit 10.2</b></font></P>
                                           <H1 align=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>EXTENSION TO STANDARD INDUSTRIAL LEASE</font></H1>

        <P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT FACE="Times New Roman, Times, Serif" SIZE=2> THIS EXTENSION TO STANDARD INDUSTRIAL LEASE AGREEMENT ("Agreement") is made this 17th day of April,
2000, by and between WEST CAPITAL FINANCIAL SERVICES, CORP., a California corporation (&#147;Lessee&#148;) and REMEC, INC.,
a California corporation (&#147;Lessor&#148;) with reference to the following. Unless otherwise indicated, all definitions
used herein shall have the meaning ascribed to them in the Lease (as defined below).</font></P>


<P>      <FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On or about September 12, 1994, Lessor's predecessor- in- interest TRANSCONTINENTAL REALTY
INVESTORS, a California business trust and Lessee executed that certain Standard Industrial Lease ("Lease") for
the premises consisting of approximately 32,504 square feet commonly known as 5775 Roscoe Court, San Diego,
California, 92123 (&#147;Premises&#148;).</font></P>



<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; B.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Paragraph 55 of the Lease provides that Lessee shall have the option to renew the Lease for
one (1) additional term of five (5) years upon first giving Lessor nine (9) months prior written notice of its
intent to exercise such option (&#147;Option&#148;).</font></P>


      <P>
        <FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On January 28, 1999, Lessee delivered to Lessor a Renewal Option Notice which set forth
Lessee's intention to exercise the Option.</font></P>


<P> <FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Lessor and Lessee desire to extend the term of the Lease pursuant to the Option on the terms
and conditions set forth in this Agreement.</font></P>

<P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        <FONT FACE="Times New Roman, Times, Serif" SIZE=2> For good and valuable consideration, the receipt and adequacy of which are hereby acknowledged, Lessor
and Lessee hereby agree as follows:</font></P>

        <P> <FONT FACE="Times New Roman, Times, Serif" SIZE=2></font></P>
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>Extension of Term of Lease.</u></font></P>


<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Effective November 1, 1999 (&#147;Commencement Date&#148;), the term of the Lease shall be extended until October 31, 2004,
unless sooner terminated pursuant to any provision of the Lease (&#147;Extended Term&#148;).</font></P>

           <P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT FACE="Times New Roman, Times, Serif" SIZE=2>2. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;   <u> Base Rent.</u></font></P>

                 <P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;     Effective on the Commencement Date, and payable on the first (1st) day of each month
during the Extended Term, Lessee shall pay to Lessor, as Base Rent for the Premises, the sum of Forty Five
Thousand Five Hundred Five and 60/100 Dollars ($45,505.60) ($1.40 per square foot x 32,504 square feet).</font></P>

                   <P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;     Lessor acknowledges receipt of the Lessee's Base Rent for the first (1st) five (5)
months of the Extended Term in the amount of Thirty Seven Thousand Nine Hundred Eighty-Eight and 44/100 Dollars
($37,988.44) per month. Upon execution of this Agreement, Lessee agrees to pay to Lessor:      (i) the sum of
Forty Five Thousand Five Hundred Five and 60/100 Dollars ($45,505.60) representing the Base Rent for the month of
April, 2000 and (ii) the sum of Thirty Seven Thousand Five Hundred Eighty-Five and 80/100 Dollars ($37,585.80)
representing the difference between the amount paid by Lessee as Base Rent for the first five (5) months of the
Extended Term and the actual amount due Lessor for said five (5) months (at a rate of $1.40 per square foot).</font></P>

         <P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT FACE="Times New Roman, Times, Serif" SIZE=2> 3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;  <u>Lease Unchanged</u></font></P>

                  <P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT FACE="Times New Roman, Times, Serif" SIZE=2>Except as specifically provided herein, the remaining terms and conditions of the Lease shall
remain in full force and effect.</font></P>

        <P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT FACE="Times New Roman, Times, Serif" SIZE=2>  4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;    <u> Miscellaneous.</u></font></P>

                      <P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;     This Agreement may be executed in one or more counterparts, each of which shall be
deemed an original, but all of which together shall constitute one and the same agreement.</font></P>

                  <P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;     The parties to this Agreement, and each of them, hereby warrant that they are
authorized agents of their respective entities and are authorized to execute this Agreement.</font></P>

                      <P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.3 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;    This Agreement shall be interpreted, construed and enforced in accordance with the
laws of the State of California.</font></P>

         <P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT FACE="Times New Roman, Times, Serif" SIZE=2>IN WITNESS WHEREOF, the parties hereto have caused the execution of this Agreement as of the date and
year noted above.</font></P>

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     <TD WIDTH="47%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Lessor:</FONT></TD>
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     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">REMEC, INC.,</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">WEST CAPITAL FINANCIAL SERVICES</FONT></TD></TR>
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     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">a California corporation</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">CORP., a California corporation</FONT></TD></TR>
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     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">By:&nbsp;&nbsp;<u>/s/ Clark Hickock&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u></FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">By:&nbsp;&nbsp;<u>/s/ Carl C. Gregory, II&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u></FONT></TD></TR>
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     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Clark Hickock</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Carl C. Gregory, III</FONT></TD></TR>
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     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Senior Vice President</FONT></TD>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Chief Executive Officer</FONT></TD></TR>
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