SECOND AMENDMENT TO LEASE


     WHEREAS,  By Lease  Agreement  dated  January 11,  1993,  between  THOMAS L
KOSTER, INC., d/b/a Realvesco Properties, a Court Receiver, as Landlord, and HRM
CLAIM  MANAGEMENT,  as Tenant,  pertaining to the leased premise located at 5250
Lovers Lane, Portage, MI 49024.

     WHEREAS,  By First Amendment to Lease dated January 29, 1993,  Landlord and
Tenant modified the terms of the Agreement, and

     WHEREAS,  By a certain  Deed and  Purchase  Agreement  dated July 20, 1993,
Northwestern Life Insurance Co. as Landlord,  sold, transferred and assigned all
of its  interest,  rights  and  obligations  unto  Hinman-Trestlebridge  Limited
Partnership,  Successor  Landlord,  in the Trestlebndge  Complex including those
premises located at 5250 Lovers Lane, Portage, Ml 49024; and

     WHEREAS,  the parties now desire to further modify said Lease Agreement and
First Amendment to Lease; and

     NOW,  THEREFORE,  it is mutually  agreed  that the Lease dated  January 11,
1993, and First  Amendment to Lease dated January 29, 1993, is hereby amended as
follows:

1.   TERM:

     The term for purpose of this  Second  Amendment  shall be extended  for the
     period which commenced on July 1, 1993 and shall now expire June 30, 2001.

2.   BASE RENT :

     Exhibit C (attached to Lease Agreement) is amended as follows:

     a.   For the Fifth Year of the Lease Agreement, commencing July 1, 1997 and
          ending June 30, 1998, the annual minimum rental shall be THREE HUNDRED
          SIXTY-EIGHT    THOUSAND   EIGHT   HUNDRED   SIXTY-SEVEN   AND   75/100
          ($368,867.75) DOLLARS ($11.75 per rentable square foot of the premises
          per annum),  payable by Tenant in equal monthly installments of THIRTY
          THOUSAND SEVEN HUNDRED THIRTY-EIGHT AND 98/100 ($30,738.98) DOLLARS.

     b.   For the Sixth Year of the Lease Agreement, commencing July 1, 1998 and
          ending June 30, 1999, the annual minimum rental shall be THREE HUNDRED
          EIGHTY- FOUR THOUSAND FIVE HUNDRED SIXTY-FOUR AND 25/100 ($384,564.25)
          DOLLARS  ($12.25 per rentable  square foot of the premises per annum),
          payable by Tenant in equal monthly installments of THIRTY-TWO THOUSAND
          FORTY-SEVEN AND 02/100 ($32,047.02) DOLLARS.

     c.   The rental  obligation for the 7th and 8th years,  commencing  July 1,
          1999, shall be adjusted by the Cost of Living  Adjustment as described
          below.
<PAGE>

 3.  COST OF LIVING ADJUSTMENT:

     The monthly rent to be paid Landlord by Tenant shall be increased  annually
     effective on the  anniversary of the Seventh and Eighth years of this Lease
     by a  percentage  equal to the annual  percentage  increase in the Consumer
     Price Index. The base of the Index for computation of the increase, if any,
     shall be  forty-five  (45)  days  prior to the month in which the base year
     commences  (i.e.  May,  1999 and May,  2000).  The Index for the same month
     shall be compared  annually to determine  the  percentage  increase and the
     resulting  percentage  shall be applied to the monthly  rental rate then in
     effect to  determine  the  monthly  rent to be paid for the  ensuing  year.
     Landlord  shall notify  Tenant of any  increase in the monthly  rental rate
     resulting from such computation and Tenant shall pay Landlord the amount of
     such increase  retroactively to the effective date thereof (i.e. July, 1999
     and July 2000). Reference to the Cost of Living Index is to be the official
     Consumers  Price Index for Urban Wage Earners and Clerical  Workers for the
     United  States City  Average,  published by the Bureau of Labor  Statistics
     United States Department of Labor.

4.   The additional rent for Building  Operating  Expenses pursuant to Paragraph
     4(a) of the Lease Agreement is hereby deleted in its entirety. Tenant shall
     have no responsibility  for additional rent of Building  Operating Expenses
     which shall be deemed  waived by the  Landlord  entirely  for the  calendar
     years 1994 through and including 1997

5.   TAXES:

     The amounts due and payable by which building taxes exceed Base Year Taxes,
     pursuant to paragraph  4(b) of the Lease  Agreement  shall be deemed waived
     entirely for the calendar years 1994 (first full Base Year), 1995 and 1996.

6.   ABATEMENT:

     Upon  completion  and  execution  of this Second  Amendment,  Tenant  shall
     receive one (1) month full base rental  abatement  for the month of August,
     1997, toward improvements made thereon to the premises.

         In  all  other  respects,  the  terms,  conditions,   stipulations  and
covenants of the Lease  Agreement dated January 11, 1993, and First Amendment to
Lease dated January 29, 1993 are to be continued with like effect to all intents
and purposes as if contained in a new and formal lease agreement  including this
Second Amendment to Lease.

         This  Second  Amendment  to Lease is entered  into this 22 day of July,
1997.

WITNESS                               LANDLORD:
                                      HINMAN-TRESTLEBRIDGE, L.P.

Illegible                             By:      Illegible
                                      Its:     The Hinman Co. General Partner


WITNESS                               TENANT: HRM CLAIM MANAGEMENT

                                      By:      /s/Thomas P. Clark
                                      Its:     Chief Financial Officer