EXHIBIT 10.16

                                 LOAN AGREEMENT

     THIS IS A LOAN  AGREEMENT  (the  "Agreement"),  dated as of the 14th day of
January, 2004, between Transnational  Industries,  Inc., a Delaware corporation,
and Spitz, Inc., a Delaware corporation (individually, collectively, jointly and
severally referred to as the "Borrower"), with an address of P.O. Box 198, Route
1, Chadds Ford,  Pennsylvania  19317,  and FIRST  KEYSTONE  BANK  ("Lender"),  a
federally  chartered stock savings bank organized and existing under the laws of
the United States of America,  with a principal  business  office  located at 22
West State Street,  Media,  Pennsylvania,  19063.

     1. DEFINITIONS.  The following terms when used in this Agreement shall have
the respective meanings set forth below:

          1.1.  Assignments:  Additional  collateral  for the  Loan,  including,
     without  limitation,  (i) a Collateral  Assignment of Agreements  Affecting
     Real Estate,including without limitation, all approvals, permits, contracts
     and  warranties  related  to the  Land;  and (ii) an  Assignment  of Rents,
     Profits and Leases.

          1.2 Borrower:  Transnational Industries, Inc., a Delaware corporation,
     and  Spitz,  Inc.,  a  Delaware  corporation,  individually,  collectively,
     jointly and severally.

          1.3.  Closing  Date:  The date of the  execution  and delivery of this
     Agreement by Borrower and Lender.

          1.4.  Collateral:  The real property and personal  property pledged to
     Lender to secure the Loan  pursuant to the  Mortgage  and the  Assignments,
     including, without limitation, the Land and the improvements thereon.

          1.5.  Commitment  Letter: A certain  Commitment  Letter from Lender to
     Borrower dated December 19, 2004

          1.6.  Event of  Default:  The  occurrence  of any event  described  in
     Paragraph 5.1 hereof.

          1.7.  Governmental  Authority:  The  United  States  of  America,  the
     Commonwealth  of  Pennsylvania,  and any political  subdivision  thereof in
     which  the Land is  located  including  without  limitation  the  County of
     Delaware, the Township of Chadds Ford, and any agency,  department,  court,
     commission, board, bureau or instrumentality of any of them which exercises
     jurisdiction over the Land or Borrower.

          1.8. Land: The real property currently occupied by Borrower located at
     Route 1, Chadds Ford Township, Delaware County,  Pennsylvania,  being Folio
     No.  04-00-00034-02,  as more particularly  described on Exhibit "A" to the

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     Mortgage,  together  with all of the  property  rights,  title,  interests,
     easements and other rights appurtenant to such real property and defined in
     the Mortgage as the Mortgaged Property.

          1.9. Legal Requirements:  All applicable laws,  statutes,  ordinances,
     rulings,  regulations,  codes,  decrees,  orders,  judgments,   conditions,
     restrictions  and requirements of any  Governmental  Authority,  including,
     without limitation, agreements,  requirements,  restrictions and conditions
     related to any permit, approval or other grant of authority.

          1.10.  Loan: The credit facility of Three Million Two Hundred Thousand
     ($3,200,000.00)  Dollars to be advanced  by Lender to Borrower  pursuant to
     this  Agreement and to be evidenced by the Note and secured by, among other
     things, the Mortgage and the Assignments.

          1.11.  Loan  Documents:   All  agreements,   documents,   instruments,
     certificates,  legal  opinions and other papers  executed and  delivered or
     otherwise  furnished  by  Borrower  to Lender in  connection  with the Loan
     including,  without limitation,  this Agreement, the Commitment Letter, the
     Note, the Mortgage,  and the Assignments.

          1.12. Maturity Date: January 13, 2024.

          1.13.  Mortgage:  The mortgage of even date  herewith from Borrower to
     Lender granting a first lien mortgage and security interest in, among other
     things, (i) the Land, and (ii) all personal property of Borrower located on
     the Land.

          1.14.  Note:  The mortgage note of even date herewith from Borrower to
     Lender  evidencing  the Loan in the  amount of Three  Million  Two  Hundred
     Thousand   ($3,200,000.00)   Dollars  and  all  extensions,   renewals  and
     modifications thereof.

          1.15.  Permitted  Exceptions:  The title exceptions not removed at the
     closing of the Loan from  Title  Insurance  Commitment  No.  03-1156  dated
     effective October 30, 2003, issued by Strong Abstract, Inc. agent for First
     American  Title  Insurance  Company,  as  approved  by  Lender  in its sole
     discretion.

          1.16.  Title Agent:  Strong  Abstract,  Inc., agent for First American
     Title Insurance Company.

     2. LOAN.

          2.1. General. Borrower is the owner in fee of the Land. The Loan shall
     be repaid in full no later than the Maturity Date, in accordance  with this
     Agreement and the other Loan  Documents.

          2.2.  Loan  Amount.  Subject  to the  terms  and  conditions  of  this
     Agreement,  Lender shall lend to Borrower  and  Borrower  shall borrow from
     Lender Three Million Two Hundred Thousand  ($3,200,000.00)  Dollars,  which
     shall bear interest and be repaid as set forth in the Note.

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         2.3.  Loan  Disbursement.  The  purpose  of  the  Loan  is to  finance
     Borrower's acquisition of the Land. The proceeds of the Loan shall be fully
     disbursed  of even date  herewith  by check or wire  transfer  to the Title
     Agent to be applied on account of the purchase price for the Land.

     3.  REPRESENTATIONS  AND  WARRANTIES.  Borrower  represents and warrants to
Lender as of the date hereof and at all times when this  Agreement  shall remain
in effect or the  indebtedness  evidenced by the Note shall  remain  outstanding
that:

          3.1.  Organization and Good Standing.  Borrower is/are duly organized,
     validly  existing  and in good  standing  under  the  laws of the  State of
     Delaware and Spitz,  Inc. is registered as a foreign  corporation and is in
     good  standing  in the  Commonwealth  of  Pennsylvania  and  in  any  other
     jurisdiction  in  which  Borrower  was  organized.  The  character  of  the
     properties  owned or  leased by  Borrower  and the  nature  of  Borrower's.
     businesses do not require  Borrower to be qualified and in good standing in
     any  other  state in order to avoid  material  liability  or  disadvantage.
     Certified copies of Borrower's  organizational documents and all amendments
     thereto have been delivered to Lender and are current, correct and complete
     as of the date hereof

          3.2. Power and Authority. Borrower has full power and authority (i) to
     own Borrower's properties,  and Spitz, Inc, has full power and authority to
     own the Land,  and (ii) to conduct  Borrower's  businesses as now conducted
     and as to be  conducted  in  connection  with the  operation  of the  Land.
     Borrower has full power and  authority to execute,  deliver and comply with
     the provisions of each of the Loan Documents executed by Borrower.  Each of
     the Loan  Documents  executed by Borrower  constitute  the legally  binding
     obligation of Borrower  enforceable against Borrower in accordance with its
     terms.

          3.3. No Litigation. There is no action, suit or proceeding pending or,
     to the knowledge of Borrower,  threatened  against or affecting Borrower or
     all or any  portion of the Land or  Borrower's  business,  except  actions,
     suits and proceedings  fully covered (except for deductibles) by insurance.


          3.4.  Conflict.  Neither the  execution nor the delivery of any of the
     Loan  Documents,  nor the performance or satisfaction by Borrower of any of
     the provisions thereof,  will conflict with or result in a breach of any of
     the provisions of any applicable  Legal  Requirements,  or any agreement or
     other  instrument  to which  Borrower  is a party or by which  Borrower  is
     bound,  or result in the  creation  or  imposition  of any lien,  charge or
     encumbrance upon any property of Borrower,  or the Land other than any lien
     created pursuant to any of the Loan Documents.

          3.5. Consent. No consent, approval or other authorization of or by any
     Governmental  Authority  is required in  connection  with the  execution or
     delivery by Borrower of any of the Loan  Documents,  or compliance  with or
     performance of any of the provisions thereof.

          3.6.  Permits  and  Approvals.  Borrower  has  secured  all  licenses,
     permits,   authorizations,   consents   and   approvals   required  by  any
     Governmental Authority for the use and occupation of the Land as commercial
     real estate and the operation of Borrower's business thereon.

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          3.7.  Compliance:   Zoning.  Borrower  has  complied  with  all  Legal
     Requirements  and all recorded  instruments  affecting the Land and the use
     thereof complies with all zoning and use-related Legal Requirements.

          3.8.Financial Statements.

               3.8.1. The financial  statements of Borrower  delivered to Lender
          prior  to the  date  hereof  are  Borrower's  most  current  financial
          statements and fully and accurately present the financial condition of
          Borrower as of the date thereof, in accordance with generally accepted
          accounting principles  consistently applied.  There are no liabilities
          or obligations of Borrower which are  individually or in the aggregate
          material, either accrued,  absolute,  contingent or otherwise,  except
          (i) to the  extent  set  forth in the  balance  sheets  and the  notes
          thereto and not heretofore paid or discharged, and (ii) those incurred
          subsequent to the date of the foregoing  financial  statements,  which
          are  consistent  with past  business  practice  and in the  normal and
          ordinary course of business.

               3.8.2.  Since the dates of the  foregoing  financial  statements,
          there has not been (i) any material  adverse  change in the  financial
          condition  or in the  operations,  business or property of Borrower or
          (ii) any  damage,  destruction  or loss,  whether  or not  covered  by
          insurance, materially and adversely affecting the operations, business
          or  property  of  Borrower.  Borrower  is not  aware  of any  fact  or
          circumstance, which (with or without the passage of time or the giving
          of notice or both) would or could result in any such change.

          3.9. Taxes and Assessments.  All federal,  state and other tax returns
     and reports of Borrower  required to be filed have been duly filed, and all
     federal,  state and other taxes,  assessments  (including  assessments  for
     municipal  improvements),  fees or other governmental  charges imposed upon
     Borrower or the Land which are due and payable have been paid.  Borrower is
     not aware of any proposed material tax or other assessments  against it, or
     the  Land,  and no  extension  of time for  assessment  or  payment  of any
     federal,  state  or local  tax by the  Borrower  is in  effect,  unless  an
     extension  has been  applied  for and  granted  and any taxes due with such
     extension paid.

          3.10. Title.

               3.10.1.  Spitz, Inc. holds good,  indefeasible and marketable fee
          simple  title to the  Land,  free and clear of all  mortgages,  liens,
          encumbrances,  ground rents,  leases,  tenancies,  licenses,  security
          interests,   covenants,   conditions,   restrictions,   rights-of-way,
          easements,  encroachments and any other matters affecting title except
          (i) the  Permitted  Exceptions,  and (ii) the liens  and  encumbrances
          created in favor of Lender pursuant to the Loan Documents.

               3.10.2.  Lender's right, title and interest in and to each of the
          agreements, documents,  instruments,  contracts, permits, licenses and
          other  materials and assets,  if any,  assigned to Lender  pursuant to
          this  Agreement and the other Loan Documents are free and clear of all
          liens,   encumbrances,   leases,  licenses,   covenants,   conditions,
          restrictions,  security interests, other assignments and other matters
          affecting  title  (except the Permitted  Exceptions),  and Borrower is


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          permitted   to  assign  such   agreements,   documents,   instruments,
          contracts,  permits, licenses and other materials and assets. Borrower
          is without  knowledge of the  existence of any default under or breach
          of any of the foregoing.

               3.10.3  Spitz,  Inc.  is  lawfully  authorized  to  mortgage  and
          encumber the Land.

               3.10.4 Borrower has not created,  and will not create,  or permit
          or suffer to be created, any liens, encumbrances or security interests
          in or on the Land other  than the  Mortgage,  or create,  or permit or
          suffer to be created, any reservation of title by any party other than
          Lender with  respect to any  portion of the Land,  other than liens in
          favor of Lender.

               3.11. Utilities. All utility services necessary for the full use,
          development  and  enjoyment  of the Land as  currently  improved,  are
          available at no cost or expense at the title lines of the Land (or, if
          they pass through  adjoining  private land,  in accordance  with valid
          public or unencumbered private easements which inure to the benefit of
          Borrower and run with the Land, copies of which have been delivered to
          Lender) including, without limitation,  sanitary sewers, storm sewers,
          water, electricity, and telephone.

               3.12. Roads. The Land is located along a dedicated public street,
          and if not located a dedicated  public  street,  access to the Land is
          insured,  and all  curb-cut  and street  opening  permits or  licenses
          required for  vehicular  access to and from the Land to any  adjoining
          public  street or highway have been  obtained and paid for by Borrower
          and are in full force and  effect.  All roads  necessary  for the full
          utilization  of the Land for its  intended  purposes  have either been
          completed or the necessary  rights of way therefore have been acquired
          by  Borrower  or by  the  appropriate  Governmental  Authority  having
          jurisdiction.

               3.13.  Insurance.  No notice has been received from any insurance
          company  which  issued any of the  insurance  policies or any of their
          agents,  brokers or  representatives,  stating in effect that any such
          policy (i) will not be renewed,  (ii) will be renewed only at a higher
          premium that is presently payable therefore,  or (iii) will be renewed
          only with lesser or less complete coverage than is presently provided.

               3.14. No Default. No event has occurred and is continuing that is
          an Event of . Default or which  would be an Event of Default  with the
          passage of time or the giving of notice or both.

               3.15.   Condemnation.   There   is   no   pending   condemnation,
          expropriation, eminent domain or similar proceeding affecting the Land
          or any portion  thereof,  and Borrower had not received any written or
          oral  notice  of any  thereof  and  has no  knowledge  that  any  such
          proceeding is contemplated.

               3.16.  Leases:  Agreements  for Purchase.  There are no leases or
          agreements of purchase and sale for all or any portion of the Land.

               3.17.  Representations  and  Warranties  True  and  Correct.  The
          representations  and  warranties  of Borrower made to Lender are true,
          correct and complete in every  material  respect.  No  representation,


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          warranty or  statement of Borrower  contained  herein or in any of the
          Loan  Documents or in any other  document,  instrument or  certificate
          delivered  to  Lender  pursuant  hereto  or  in  connection  with  the
          transactions  contemplated  hereunder contains any untrue statement of
          any material fact, or omits or shall omit to state a material fact the
          absence of which  makes such  representation,  warranty  or  statement
          misleading.

          3.18 Compliance With Laws Respecting  Acquisition.  Borrower shall and
     has complied  with all  requirements  of local and state law in  connection
     with the acquisition ofthe Land.

     4.COVENANTS OF BORROWER

          4.1. Affirmative  Covenants.  Borrower covenants and agrees that, from
     the date hereof and so long as this Agreement shall remain in effect or the
     indebtedness  evidenced  by the Note  shall  remain  outstanding,  Borrower
     shall:

               4.1.1.  Existence. Do or cause to be done all things necessary to
          preserve and keep Borrower's  legal existence in full force and effect
          under the laws of the State of  Delaware  and  Spitz,  Inc.'s  foreign
          registration   in  full  force  and  effect  under  the  laws  of  the
          Commonwealth  of Pennsylvania  and in any other  jurisdiction in which
          Borrower may have been organized,  and to remain and cause Borrower to
          remain  qualified  and  licensed  in all  jurisdictions  in which such
          qualification  or licensing is required for the conduct of  Borrower's
          business, including, without limitation,  Pennsylvania. Borrower shall
          promptly  deliver  to  Lender  any and  all  documents  evidencing  an
          amendment  to  or  modification  of  the  articles  of  incorporation,
          certificate of  organization,  bylaws,  operating  agreements or other
          organization documents respecting Borrower.

               4.1.2.  Required  Notices.  Give,  or cause to be  given,  prompt
          written notice to Lender of (i) any action or proceeding instituted by
          or  against  Borrower  or  the  Land  by or  before  any  Governmental
          Authority,  or any such proceeding  threatened  against Borrower,  the
          Land which, if adversely determined, could have a material and adverse
          effect upon the  business,  assets or condition  (financial,  legal or
          otherwise) of Borrower or the Land,  (ii) any other  action,  event or
          condition of any nature  which may have a material and adverse  effect
          upon the  business or assets of Borrower or which,  with the giving of
          notice or the passage of time or both,  would  constitute  an Event of
          Default  under this  Agreement or a default  under any other  material
          contract,  instrument or agreement to which  Borrower is a party or by
          which Borrower or any of Borrower's  properties or assets may be bound
          or subject,  or (iii) any action or proceeding  respecting the current
          development and use of the Land for commercial purposes.

               4.1.3.  Payment of Debts, Taxes. Pay and discharge or cause to be
          paid and  discharged  when due and  prior to the  accrual  thereon  of
          interest or penalty,  all taxes,  assessments and governmental charges
          or levies imposed upon the Land, Borrower or their income or receipts,
          or any of their  properties,  as well as all lawful  claims for labor,
          materials and supplies or otherwise  which, if unpaid,  might become a
          lien or charge upon such  properties or any part  thereof,  unless the
          same  shall  be  contested  by  Borrower  in good  faith  and with due
          diligence by appropriate  proceedings and Borrower shall have posted a
          bond or escrow with Lender equal to such contested amount.

               4.1.4.  Compliance.  Promptly and faithfully comply with, conform
          to and obey all present and future Legal  Requirements  applicable  to


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          Borrower,  or the Land, all present and future requirements  affecting
          title to the Land, the Loan Documents, all" agreements of purchase, if
          any,  for  all or any  portion  of the  Land,  and all  leases  now or
          hereafter entered into from time to time, and all other agreements and
          covenants  to  which  Borrower  is  bound  or  subject.  Promptly  and
          faithfully  comply  with,  conform to and obey all  present and future
          orders,  rules,  regulations and requirements of any national or local
          board  of fire  underwriters  relating  in any way to the  Land or any
          portion thereof.  Promptly pay all license and permit fees and similar
          municipal  charges  relating  in any way to the  Land  or any  portion
          thereof or the  construction  or use of any building  and  improvement
          placed or to be placed upon and  forming a part of the Land.  Borrower
          shall immediately  notify Lender of Borrower' s receipt of notice from
          any  Governmental  Authority  or any  national  or local board of fire
          underwriters  relating to the  construction,  use or  occupancy of the
          Land or any part  thereof,  or which  requires  any action to be taken
          with  respect to the Land or any part  thereof or which  could have an
          adverse effect on the Land or any part thereof.

               4.1.5.  Maintenance.  Cause the Land to be kept in good condition
          and  repair  as set  forth  in the  Mortgage,  and  operate  the  same
          properly, efficiently and in compliance with all Legal Requirements.

               4.1.6.  Books  and  Records.  Keep,  or  cause  to  be  kept,  in
          accordance with generally accepted accounting principles  consistently
          applied,  proper and complete  books of record and account  concerning
          affairs of Borrower  and the Land and make such  records  available in
          Borrower's  offices  at all  reasonable  times upon  reasonable  prior
          notice  for  inspection  by  Lender.   Borrower   agrees  to  maintain
          accounting  records for the Land  separate  from any other  accounting
          records  which  Borrower may maintain.  Borrower  agrees to retain all
          such  books  and  records  for a period  of two (2)  years  after  the
          repayment in full of the Loan.

               4.1.7.  Financial Statements.  So long as the Loan or any portion
          thereof  remains  outstanding,  Borrower,  at Borrower's sole cost and
          expense,  shall deliver or cause to be delivered to Lender current and
          complete financial  statements and other information on a consolidated
          basis as follows:

               a.   Within  ninety  (90) days  following  the end of  Borrower's
                    fiscal year and each fiscal quarter,  respectively,  in each
                    year, Borrower shall deliver to Lender the Borrower's Annual
                    Report on Form 10-KSB and  quarterly  report on Form 10-QSB,
                    each of which will include financial  statements  consisting
                    of a balance sheet, income statement and statement of source
                    and  application  of  funds  for  Borrower.  Such  financial
                    statements for Borrower (i) shall, in the case of the annual
                    statements be accompanied by an audit opinion by a certified
                    public accounting firm selected and paid for by Borrower and
                    satisfactory  to Lender (it being agreed that the Borrower's
                    certified  public  accounting firm as of the Closing Date is
                    acceptable  to  the  Lender),  (ii)  shall  be  prepared  in
                    accordance  with generally  accepted  accounting  principles
                    consistently  applied,  (iii)  shall  be in form  reasonably
                    satisfactory to Lender and (iv) shall be" certified as true,
                    correct  and  complete  by the  Borrower's  chief  financial
                    officer.

               b.   Borrower  shall  deliver  to  Lender  such  other  financial
                    information  as to  Borrower as Lender from time to time may
                    request,  all such  information  to be  provided in form and
                    time frame reasonably satisfactory to Lender.

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               c.   Within  thirty  (30)  days of the  date the same are due for
                    filing (including any available  extensions properly applied
                    for)  Borrower  shall deliver to Lender copies of Borrower's
                    Federal Income Tax Returns. All copies of such returns shall
                    be certified by Borrower as true and correct and as actually
                    filed with the Internal Revenue Service.

               All such financial  statements required by Lender hereunder shall
          be  prepared  in  accordance   with  generally   accepted   accounting
          principles  consistently  applied by an independent  certified  public
          accountant acceptable to Lender. Borrower shall promptly notify Lender
          in writing if there is any material  adverse  change since the date of
          the last  preceding  statement  submitted  to Lender in the  financial
          position of Borrower,  and if there has been such a change, a detailed
          explanation thereof.

               4.1.8. Change in Circumstances. Promptly notify Lender in writing
          of any change in any fact or circumstance  represented or warranted by
          Borrower  herein  or in any  other  documents  furnished  to Lender in
          connection with this Agreement.

               4.1.9.   Additional   Instruments.    Execute   such   additional
          instruments  as may be  requested  by Lender in order to carry out the
          intent of this  Agreement and the other Loan  Documents and to perfect
          or give further  assurances  of any of the rights  granted or provided
          for hereunder or under any of the other Loan Documents.

               4.1.10.  Indemnification.  Indemnify,  defend  and hold  harmless
          Lender and its  officers,  directors,  employees  and agents  from and
          against any and all liabilities, losses, claims, damages and expenses,
          including  reasonable  attorneys'  fees and  expenses,  of any kind or
          nature  directly or  indirectly  resulting  from or arising out of the
          Loan, or the Loan  Documents,  or any act or omission by Lender or its
          officers,  directors,  employees or agents,  in connection  therewith,
          including,  without  limitation,  all  claims for  commissions  by any
          broker  or  intermediary,  disputes  between  or among  Borrower,  any
          Governmental   Authorities,    subcontractors,   material   suppliers,
          purchasers  and  tenants,  unless  caused by the gross  negligence  or
          willful malfeasance of Lender or its officers, directors, employees or
          agents.

               4.1.11.  Reimbursement  of  Costs.  Reimburse  Lender  for all of
          Lender's costs payable to third parties  incidental to the preparation
          and making of the Loan, including, without limitation,  monthly credit
          reports,  recording fees, filing fees,  surveys and premiums for title
          insurance  as may be required by Lender,  the fees and expenses of any
          consultant  employed by Lender, and all costs and expenses of Lender's
          counsel  relating  to  preparation  or  approval  of any  of the  Loan
          Documents,  examination  of matters  subject to Lender's  approval and
          legal  services  rendered in  connection  with  Borrower's  failure to
          perform in accordance with the Loan Documents or otherwise relating to
          the transaction. All such costs billed at or prior to the Closing Date
          shall be paid on or before the Closing Date.

               4.1.12. Notices. Forward to Lender copies of all notices given or
          received by Borrower to or from;  (i) any  purchaser or tenant for any
          portion  of the Land,  (ii) any  subcontractor  or  material  supplier
          respecting  the  Land,  (iv) any  insurer  or  insurance  underwriters


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          respecting the Land or Borrower's  business,  (v) any utility  company
          respecting  the  Land  or  the  Borrower's   business,   or  (vi)  any
          Governmental  Authority respecting the Land or the Borrower's business
          (including, without limitation, notices of nonconforming construction,
          notices relating to Hazardous  Materials and any Environmental Laws as
          those  terms  are  defined  in the Note and  Mortgage,  and  notice of
          inability to perform the terms of any contract or agreement), promptly
          upon the giving or receipt of such notice.

               4.1.13.  Loan  Proceeds.  Use  Loan  proceeds  for  the  purposes
          identified in the Commitment and this Loan Agreement.

               4.1.14.  Bank  Accounts.  Borrower  shall  maintain  all deposit,
          operating and escrow accounts relating to the Land with Lender.

               4.1.15.  Inspection.  Permit  Lender,  its agents,  employees and
          representatives,  to enter and to inspect  the Land at any  reasonable
          time upon one (1) business day prior notice for the purposes of making
          site and building  investigations  and performing  soil,  groundwater,
          structural and other tests.  Lender, or any persons  designated by it,
          shall have the right to call at Borrower's place or places of business
          at any reasonable  time upon one (1) business day notice,  and without
          hindrance or delay,  to inspect,  audit,  check and make extracts from
          Borrower's  books,  records,   journals,   orders,  receipts  and  any
          correspondence  and other data relating to the Borrower's  business or
          to any other  transactions  between the parties hereto, and shall have
          the right to make direct  verification  from the account  debtors with
          respect to any or all accounts.

          4.2. _ Negative Covenants. Borrower covenants and agrees that from the
     date hereof and for so long as this Agreement shall remain in effect or the
     indebtedness evidenced by the Note shall remain outstanding, Borrower shall
     not:

               4.2.1.  Amendment  or  Modification.  Amend,  vary or modify,  or
          permit to be amended,  varied or modified, any agreement,  document or
          instrument assigned to Lender.

               4.2.2.  Conveyance.  Sell,  assign,  transfer,  convey,  lease or
          otherwise  dispose of the Land,  or any part  thereof or  interest  or
          estate therein,  or otherwise  permit ownership or control of the Land
          or any portion thereof to be other than in Spitz, Inc.

               4.2.3.  Governing  Documents,  Directors.  Amend, or permit to be
          amended,  the  governing  documents  pursuant  to which  Borrower  was
          organized  and is  operating or permit a change of the majority of the
          members of the board of directors  of Borrower  during any twelve (12)
          month period.

               4.2.4.  Encumbrances.  Create by  mortgage,  pledge,  assignment,
          security  agreement  or  otherwise,  or suffer to exist,  any security
          interest,  pledge,  lien, charge or other encumbrance upon the Land or
          any  portion  thereof,  except  (i) the  liens or  security  interests
          created  pursuant  to the Loan  Documents  or other  liens or security
          interests  in favor of  Lender;  (ii)  mechanics  or tax  liens  being
          contested by Borrower in good faith and due  diligence in  appropriate
          proceedings  with the approval of Lender, a bond or escrow having been
          posted  with Lender for the full amount of such  contested  lien;  and
          (iii) with the prior written consent of Lender, easements and licenses
          for the operation of the Land.

                                       9
<PAGE>

               4.2.5.  Other Borrowing and Guaranties.  Undertake any additional
          financing in connection  with the purchase or  improvement of the Land
          or any part thereof, or borrow, in the aggregate, any sum in excess of
          Two Hundred  Thousand  ($200,000.00)  from any person or  persons,  or
          assume,  guaranty,  endorse or otherwise  become  contingently  liable
          upon, or  responsible  for, the obligation of any person other than as
          expressly provided in the Loan Documents,  if to do so in the judgment
          of Lender  would  have a  material  adverse  impact  on the  financial
          condition or status of Borrower.

     5. EVENTS OF DEFAULT AND REMEDIES.

          5.1.  Events  of  Default.  The  occurrence  of  anyone or more of the
     following  shall  constitute an "Event of Default"  hereunder:

               5.1.1.  The  occurrence  of an event of default under the Note or
          any other Loan Document.

               5.1.2.  The issuance of any levy, writ or process of execution or
          attachment  against  Borrower or any  property or assets of  Borrower,
          including  without  imitation  the Land, or the levy or service of any
          such writ.

               5.1.3.  The entry or filing of any judgment,  lien,  encumbrance,
          notice  oflien,  attachment,  levy or any other adverse charge against
          Borrower or the Land or any portion  thereof  which is not  discharged
          within  twenty (20) days unless it is being  contested  by Borrower in
          good  faith and due  diligence  in  appropriate  proceedings  with the
          approval  of Lender,  a bond or escrow  having been posted with Lender
          for the full amount of such contested lien.

               5.1.4. The failure of Borrower to comply with the requirements of
          any Governmental  Authority  concerning the Land unless the same shall
          be  contested  by  Borrower  in good faith and with due  diligence  by
          appropriate  proceedings  and  Borrower  shall  have  posted a bond or
          escrow with Lender in an amount satisfactory to Lender.

               5.1.5.  The  failure of Borrower to  maintain  any  insurance  or
          policy of insurance  required by this  Agreement or the Mortgage for a
          period in excess often (10) days from the date of written  notice from
          Lender  of the lapse or  absence  of any such  insurance  or policy of
          insurance.

               5.1.6.  The  failure of  Borrower to provide or furnish to Lender
          within thirty (30) days of written request,  proof of any insurance or
          policy of insurance required by this Agreement or the Mortgage.

               5.1.7.  The  failure of  Borrower to provide or furnish to Lender
          within thirty (30) days of written request,  any financial  statement,
          tax return or other  information  required to be  delivered  to Lender
          pursuant to this Agreement or any other Loan Document.

               5.1.8.  The failure of Borrower to comply,  after any  applicable
          notice  or  cure  period,   with  any  requirements  of  any  recorded
          instrument or other agreement concerning the Land.

                                       10
<PAGE>

               5.1.9. The making by Borrower of any amendment to or modification
          to any document,  instrument or item which has been approved by Lender
          in accordance with the provisions hereof

               5.1.10.  The failure by Borrower to pursue  promptly and with due
          diligence and in good faith any remedy under any contract or agreement
          with  respect  to the Land  available  as the  result of any  material
          default by the other party thereto.

               5.1.11.  The failure of Borrower to perform or comply with any of
          the terms, conditions,  provisions, agreements and covenants contained
          herein  or in any of the  Loan  Documents  or in any  other  document,
          agreement  or  instrument  given  by  or  in  behalf  of  Borrower  in
          connection with the Loan.

               5.1.12.  The  default  by  Borrower  or any  affiliate,  owner or
          subsidiary  thereof,  under any other  loans or  indebtedness  between
          Lender and Borrower or any  affiliate,  owner or  subsidiary  thereof,
          including  without  limitation  the  occurrence of an event of default
          under  that  certain  Line Of Credit  Agreement  dated  June 12,  1997
          between  Lender and  Borrower,  amended by that  certain  Modification
          Agreement  dated July 7, 2000,  and  further  amended by that  certain
          Second  Modification  Agreement dated July 18, 2002,  respecting a Two
          Million ($2,000,000.00) Dollar commercial revolving line of credit.

               5.1.13.  The  falsity  or  incorrectness,  regarded  by Lender as
          material,  of any  representation  or warranty made to Lender,  or any
          financial  statement given to Lender,  by Borrower in or in connection
          with the Loan, this Agreement or any of the Loan Documents.

          5.2. Remedies. Upon the occurrence of any Event of Default, Lender may
     exercise as it may deem  necessary or  appropriate,  any one or more of the
     following rights and remedies:

               5.2.1.  Declare  immediately  due and  payable all sums under the
          Note which are then unpaid, together with all accrued interest.

               5.2.2. Exercise any other right or remedy provided herein, in any
          of the Loan Documents, at law or in equity.

          5.3.  Verification of Amounts  Due/Declaration  of No Set-Off.  In any
     action  or  proceeding  for  recovery  of any sums  expended  by  Lender in
     connection with the operation  and/or  maintenance of the Land or otherwise
     due  to  Lender  pursuant  to  the  terms  hereof,   a  statement  of  such
     expenditures,  verified by the affidavit of an officer of Lender,  shall be
     prima facie evidence of the amounts so expended and of the propriety of and
     necessity  for such  expenditures,  and the burden of proving the  contrary
     shall be upon Borrower. Within ten (10) days after being requested to do so
     by Lender,  Borrower shall furnish to Lender or to any assignee of the Note
     and/or the Mortgage, a written statement in form and substance satisfactory
     to  Lender  stating  the  entire  outstanding  amount  of the  indebtedness
     evidenced  by  the  Note  and  stating   that   Borrower  has  no  offsets,
     recoupments,  counterclaims  or defenses or, if such offsets,  recoupments,
     counterclaims  or  defenses  are  alleged  to exist,  the nature and extent
     thereof.  In the  event  Borrower  fails to  furnish  to  Lender a  written
     statement  within ten (10) days after being  requested to do so, or if such


                                       11
<PAGE>

     statement does not contain all of the information required,  then except to
     the extent set forth in  Borrower's  timely  delivered  written  statement,
     Borrower  shall be deemed to accept and concur with  Lender's  statement of
     the entire outstanding amount of the indebtedness evidenced by the Note and
     agree that Borrower has no offsets, recoupments, counterclaims or defenses.

          5.4.  Borrower's  Property.  As  security  for  the  Loan  and for the
     obligation and liabilities of Borrower hereunder and under each of the Loan
     Documents,  Lender is hereby  given a lien upon and a security  interest in
     all funds and property of Borrower which may hereafter be deposited with or
     come into the  possession  of Lender,  and for such purpose this  Agreement
     shall  constitute  a  security  agreement  under the  Pennsylvania  Uniform
     Commercial  Code and Lender  shall have all rights and may  exercise all of
     the  remedies of a secured  party under the  applicable  provisions  of the
     Pennsylvania  Uniform  Commercial  Codes  with  respect  to such  funds and
     property of Borrower.

          5.5. Remedies  Cumulative.  The rights and remedies of Lender provided
     for in this Agreement, in any of the other Loan Documents, and in any other
     instrument,  document  or  agreement  given by or on behalf of  Borrower in
     connection with the Loan,  shall be cumulative and concurrent and shall not
     be  exclusive  of any  right  or  remedy  provided  by law,  in  equity  or
     otherwise.  Said  rights  and  remedies  may,  at the  sole  and  exclusive
     discretion of Lender, be pursued singly,  successively or together, and may
     be exercised as often as occasion  therefore  shall arise. No grace period,
     qualification  or  condition  stated  with  respect to any Event of Default
     shall  change,  modify,  amend  or  extend,  or  will  be  construed  as an
     undertaking  by  Lender to  change,  modify,  amend or extend  the time for
     making any installment due under the Note or the Maturity Date,  which time
     for making any  installment  and Maturity Date remain always of the essence
     of this Agreement.

          5.6. Lender's Right to Remedy Defaults.  If Borrower fails to pay when
     due any sum  required  to be paid by  Borrower  or  fails  to  perform  any
     obligation of Borrower hereunder,  Lender, at its option; upon at least ten
     (10) days prior  notice to  Borrower,  shall  have the  right,  but not the
     obligation,  to pay any such sum and to  perform  any such  obligation  and
     Lender shall have the right,  but not the obligation,  to pay any sum or to
     take any action which  Lender  deems  necessary or advisable to protect the
     security for the Loan  including  without  limitation  the Mortgage and the
     Land, all without prejudice to any of Lender's rights or remedies available
     hereunder or under any of the Loan  Documents or under any other  documents
     or  instrument  given by or on behalf of  Borrower in  connection  with the
     Loan,  at law, or in equity.  The amount of all payments so made by Lender,
     together with all costs so incurred by Lender, shall immediately be due and
     payable from  Borrower to Lender,  together  with  interest at the rate set
     forth in the Note in the event of a  default.  All such  amounts,  together
     with interest as aforesaid, shall be added to and evidenced by the Note and
     be secured by the  Mortgage,  and  Lender may charge all such  amounts  and
     interest as advances of the Loan and may deduct such  amounts and  interest
     as advances of the Loan thereafter to be advanced  hereunder from any funds
     or property deposited by Borrower with Lender.

     6.INSURANCE.

          6.1.  Coverage.  Borrower shall, from and after the date hereof and at
     all  times  while  this   Agreement  is  in  effect  or  the  Note  remains
     outstanding,  maintain at Borrower's  sole  expense,  insurance in amounts,
     with  deductibles  satisfactory to Lender written by stock or nonassessable


                                       12
<PAGE>

     mutual  carriers  licensed in  Pennsylvania  with a general  policy holders
     rating of "A" or better and a financial  rating of VI or better in the most
     recent edition of "Best's Key Rating Guide,  Property-Casualty",  published
     by  Alfred M.  Best  Co.,  Inc.  Without  limiting  the  generality  of the
     foregoing,  Borrower shall maintain the following minimum coverages, unless
     otherwise agreed to in writing by Lender:

               6.1.1. All risk,  fire,  hazard and extended  coverage  insurance
          with vandalism and malicious  mischief  endorsements  on all buildings
          and  structures  to the extent of one  hundred  percent  (100%) of the
          replacement   value  thereof  pursuant  to  full   replacement   value
          endorsements   naming  Lender  as  mortgagee  and  additional  insured
          pursuant to a standard mortgagee loss payable clause, and;

               6.1.2. Commercial general public liability insurance covering all
          operations  of  Borrower  in  connection  with  the  Collateral,  with
          contractual liability endorsement, naming Lender as additional insured
          in amounts not less than: (i) bodily injury:  $3,000,000,000  for each
          occurrence, $3,000,000,900 in the aggregate, and (ii) property damage:
          $1,000,000,000   for  each  occurrence,   and  $3,000,000_000  in  the
          aggregate; and

               6.1.3.  Rent  insurance  against  loss of income  arising  out of
          damage  or  destruction  by fire or the  perils of  extended  coverage
          insurance, in an amount equal to one (1) year's gross rental income to
          the owner of the Land, or business interruption insurance in an amount
          as required by Lender from time to time, but not to exceed Mortgagee's
          reasonable  estimate of the annual  cost of debt  service on the Note,
          taxes; insurance and maintenance for the Land.

          6.2.Certificates; Notices.

               6.2.1. Borrower shall furnish to Lender,  certificates certifying
          to the  insurance  required by Paragraph  6.1, (as Lender may request)
          and expressly  granting Lender the same  protections as if Lender held
          the  original  policies,  (i) on or before the closing  date,  (ii) no
          fewer than  twenty (20) days prior to the  renewal or  replacement  of
          existing coverage or the obtaining of additional  coverage,  and (iii)
          at any other time upon the request of Lender.

               6.2.2.   Each  insurance  policy  of  Borrower  shall  contain  a
          provision (i) requiring the insurer to notify  Lender,  in writing and
          at least thirty (30) days in advance of any  cancellation,  expiration
          or  material  change in the  policy,  and (ii)  stating  that any loss
          otherwise payable thereunder shall be payable  notwithstanding any act
          or neglect of the insured and notwithstanding ( a) any change in title
          to or  ownership  of the  Land  or (b)  any  provision  of the  policy
          relieving  the insurer  thereunder of liability for any loss by reason
          of the  existence  of other  policies of  insurance  covering the Land
          against the peril involved, whether or not collectible,  provided such
          coverage is available to Borrower at reasonable cost.

               6.2.3. If the insurance, or any part thereof, shall expire, or be
          withdrawn,  or become  void or unsafe,  in the  opinion of Lender,  by
          reason of Borrower's breach of any condition  thereof,  or become void
          or  unsafe,  in the  opinion of  Lender,  by reason of the  failure or
          impairment  of the capital of any company  issuing such  certificates,
          Borrower shall place new insurance in accordance  with this Agreement.
          All renewal policies, with premiums paid, shall be delivered to Lender
          at least  thirty  (30) days prior to the  expiration  of the  existing
          policies.

                                       13
<PAGE>

               6.2.4. The insurance  described in Paragraph 6.1 hereof shall not
          provide for  deductibles in excess of amounts  approved by Lender and,
          though  obtained,  maintained and paid for by Borrower,  shall provide
          that loss  thereunder  shall be  payable  to Lender  under a  standard
          mortgagee's loss payee clause.

          6.3. Lender May Provide Insurance.  In any instance where insurance is
     not provided by Borrower as required  hereunder,  Lender may at its option,
     but shall  not be  required  to,  secure  such  insurance  as Lender  deems
     appropriate  to cover  Lender's  interests,  without  obligation  to insure
     Borrower's  interests,  and charge the cost of the same to Borrower,  to be
     secured by the Loan Documents.

     7.MISCELLANEOUS.

          7.1. Lender's Discretion.  If any condition of this Agreement requires
     the submission of evidence of the existence or non-existence of a specified
     fact or facts, or implies as a condition the existence or  non-existence of
     such fact or facts,  Lender will, at all times,  be free  independently  to
     establish  to its  satisfaction  and in its  discretion  (unless  otherwise
     specified)  such  existence  or  non-existence.  Where  any  matter  herein
     requires  the  approval or consent of the Lender,  the  decision to give or
     refuse to give such approval or consent shall be within Lender's discretion
     unless otherwise specified.

          7.2.  No  Third-Party  Beneficiary.  The  parties  do not  intend  the
     benefits  of this  Agreement  to inure to any  third  party or any of their
     respective  creditors  for debts or  claims  accruing  to any such  persons
     against  Borrower.  Lender  shall not be liable for the manner in which any
     advance  may be applied by  Borrower.  Notwithstanding  anything  contained
     herein or in any of the other Loan  Documents,  or any conduct or course of
     conduct by or between  Borrower and Lender before or after the execution of
     this  Agreement,  this  Agreement  shall not be  construed  as creating any
     right,  claim or cause of action  against  Lender  or any of its  officers,
     directors,  agents or  employees,  in favor of any other  person other than
     Borrower.  Without  limiting the generality of the foregoing,  any advances
     made to any  insurer,  contractor,  subcontractor  or  supplier of labor or
     materials or other  creditor of Borrower,  whether or not such advances are
     approved by Lender,  shall not be deemed a  recognition  by Lender of third
     party beneficiary status of any such person. No part of the Loan will be at
     any  time  subject  or  liable  to  attachment  or levy at the  suit of any
     creditor of Borrower,  or of any contractor,  subcontractor  or supplier of
     labor,  materials or services,  or any of their respective  creditors,  and
     regardless of any other term,  condition or provision hereof, no such third
     party will have any status, right or entitlement hereunder.

          7.3.  Reliance on  Representations  and  Warranties.  Lender  shall be
     entitled to rely upon the  representations  and  warranties of Borrower set
     forth in any of the Loan Documents  without any investigation by Lender and
     notwithstanding  any  investigation  conducted  by Lender or on its  behalf
     before or after the date hereof.

          7.4. Assignment.

               7.4.1. The rights of Borrower  hereunder and under any other Loan
          Document  shall not be  assignable  in any  respect  without the prior


                                       14
<PAGE>

          written consent of Lender, which consent may be granted or withheld in
          Lender's sole  discretion.  In any case,  Borrower shall remain liable
          for  repayment of all sums  advanced  hereunder  before and after such
          assignment.

               7.4.2.  All  or  any  portion  of the  Loan  or  any of the  Loan
          Documents may be endorsed, assigned or transferred in whole or in part
          by Lender,  and any such holder or assignee  thereof  shall succeed to
          and be possessed  of the rights of Lender under the Loan  Documents to
          the extent so endorsed, transferred or assigned.

               7.4.3. Subject to the foregoing,  this Agreement shall be binding
          upon, and shall inure to the benefit of, Borrower and Lender and their
          respective personal representatives, heirs, successors and assigns.

          7.5. Communications.  All communications required or permitted by this
     Agreement  shall be in  writing  and shall be deemed to have been  given or
     made when hand delivered or delivered by guaranteed overnight delivery,  or
     upon  deposit in the United  States  mail,  postage  prepaid,  certified or
     registered mail, return receipt requested, addressed as follows:

               7.5.1.  If to Lender:

                                First  Keystone  Bank
                                22 West State Street
                                Media,  Pennsylvania  19063
                                Attention:  A. Charles Amentt,  Jr.
                                Senior Vice  President,  Lending

                        With a required  copy to:

                                Donn L. Guthrie, Esquire
                                10 Beatty Road
                                Media, Pennsylvania 19063

               7.5.2. If to Borrower:

                                Transnational Industries, Inc. and
                                Spitz, Inc.
                                P.O. Box 198
                                Route 1
                                Chadds Ford, Pennsylvania 19317

                        With a required copy to:

                                Steven G.Brown, Esquire
                                Petrikin, Wellman, Damico, Brown & Petrosa
                                109 Chesley Drive
                                Media, Pennsylvania 19063

                                       15
<PAGE>

               or in any  case  to  such  other  address  as  either  party  may
          designate  from time to time by notice to the other in the  manner set
          forth herein.

          7.6.  Headings.  The headings  preceding  the text of the sections and
     subsections of this Agreement are used solely for  convenience of reference
     and shall not affect the meaning or interpretation of this Agreement.

          7.7.  Time of the  Essence.  All dates and times for  performance  set
     forth  herein  or in  any of  the  other  Loan  Documents  (whether  or not
     elsewhere so stated) are of the essence.

          7.8. No Brokers.  Borrower  represents  and warrants that Borrower has
     taken no action  which  would or might  render it liable for payment of any
     brokerage or placement fees or  commissions on account of the  transactions
     contemplated by the Loan Documents, and Borrower will indemnify, defend and
     hold harmless Lender from any claims made in connection therewith.

          7.9.  Governing  Law. The Agreement and all questions  relating to its
     validity,  interpretation,  performance and enforcement (including, without
     limitation,   provisions  concerning  limitations  of  actions),  shall  be
     governed by and construed in accordance  with the laws of the  Commonwealth
     of Pennsylvania,  notwithstanding  any  conflict-of-laws  doctrines of such
     state or other  jurisdiction  to the  contrary,  and without the aid of any
     canon, custom or rule of law requiring construction against the draftsman.

          7.10.  Severability.  Any provision in any of the Loan Documents which
     is determined to be  unenforceable  or invalid shall be  ineffective to the
     extent  of  such  unenforceability  or  invalidity  without  affecting  the
     remaining provisions thereof.

          7.11. Survival. All agreements, representations and warranties made in
     this  Agreement  shall survive the closing  hereunder and the making of all
     advances hereunder.

          7.12.  Entire  Agreement:   Controlling  Document;   Amendment.   This
     Agreement, together with the exhibits hereto, which are incorporated herein
     by reference,  and the other Loan Documents embody the entire agreement and
     understanding  between  Borrower  and Lender  with  respect to the  subject
     matter  hereof  and  supersede  all  prior   commitments,   agreements  and
     understandings  relating to the subject  matter  hereof.  The provisions of
     this  Agreement  (including the exhibits  attached  hereto) shall be deemed
     complementary  to the  provisions of the other Loan  Documents,  but in the
     event of  conflict,  the  provisions  hereof  shall be deemed to modify and
     supersede the  conflicting  provisions in such other Loan  Documents and to
     control  to the extent  enforceable  under  applicable  law.  Neither  this
     Agreement  nor any of the other Loan  Documents  may be modified or amended
     except  by  a  written  agreement  executed  by  the  party  against  which
     enforcement is sought.

          7.13. Indulgences,  Etc. Neither the failure nor any delay on the part
     of either party to exercise  any right,  remedy,  power or privilege  under
     this Agreement (a "Right") shall operate as a waiver thereof, nor shall any
     single or  partial  exercise  of any Right  preclude  any other or  further


                                       16
<PAGE>

     exercise  of the same or of any other  Right,  nor shall any  waiver of any
     Right with respect to any occurrence be construed as a waiver of such Right
     with respect to any other  occurrence.  No waiver shall be effective unless
     it is in writing and. is signed by the party  asserted to have granted such
     Waiver.

          7.14  Counterparts.  This  Agreement  may be  executed  in one or more
     counterparts,  via facsimile transmission or otherwise,  each of which will
     be deemed an original,  but all of which  together will  constitute one and
     the same instrument.

          7.15. TRIAL BY JURY. BORROWER AND LENDER HEREBY KNOWINGLY, VOLUNTARILY
     AND  INTENTIONALLY  WAIVE ANY RIGHT  EITHER  MAY HAVE TO A TRIAL BY JURY IN
     RESPECT OF ANY  LITIGATION  BASED  HEREON,  OR ARISING OUT OF,  UNDER OR IN
     CONNECTION WITH, THIS AGREEMENT, THE NOTE, THE MORTGAGE, ANY OTHER DOCUMENT
     OR  INSTRUMENT   RELATING  HERETO  OR  THERETO,   ANY  OTHER   TRANSACTIONS
     CONTEMPLATED HEREBY OR THEREBY OR ANY COURSE OF CONDUCT, COURSE OF DEALING,
     STATEMENTS (WHETHER VERBAL OR WRITTEN) OR ACTIONS OF THE LENDER OR BORROWER
     IN  CONNECTION  HEREWITH  OR  THEREWITH.   THIS  PROVISION  IS  A  MATERIAL
     INDUCEMENT  FOR THE LENDER TO MAKE THE LOAN  EVIDENCED  BY THE NOTE.



         [THIS SPACE INTENTIONALLY LEFT BLANK. SIGNATURE PAGE FOLLOWS.]


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<PAGE>

     IN WITNESS WHEREOF, and intending to be legally bound hereby,  Borrower and
Lender, have caused this Agreement to be duly executed under seal as of the date
first above written.

                        LENDER:

                        FIRST KEYSTONE BANK


                        BY:      /s/ A. Charles Amentt, Jr.
                           --------------------------------------------------


                        BORROWER:

                        TRANSNATIONAL INDUSTRIES, INC.


                        BY:      /s/ Jonathan Shaw
                           --------------------------------------------------


                        ATTEST:  /s/ Paul Dailey
                         ---------------------------------------------------

                                          [Corporate Seal]


                        SPITZ, INC.


                        BY:      /s/ Jonathan Shaw
                           --------------------------------------------------


                        ATTEST:  /s/ Paul Dailey
                           --------------------------------------------------

                                          [Corporate Seal]



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