EXHIBIT 10.5 AMENDMENT NO. 4 TO FORBEARANCE AGREEMENT This Amendment No. 4 (the "Fourth Amendment") dated as of April 1, 2006 to Forbearance Agreement (the "Forbearance Agreement") dated as of November 27, 2002 by and between Gilman + Ciocia, Inc., a...Forbearance Agreement • May 15th, 2006 • Gilman & Ciocia Inc • Services-personal services • New York
