<PAGE>

                                                                    Exhibit 10.6

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                                  222 BUILDING

                              STANDARD OFFICE LEASE

                                       FOR

                                 CEJKA & COMPANY

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<PAGE>

                                  222 BUILDING

                              STANDARD OFFICE LEASE

                                TABLE OF CONTENTS

ARTICLE                           INDEX                                    PAGE
-------                           -----                                    ----

Article 1            Parties and Reference Data                             1
Article 2            Demising Clause                                        1
Article 3            Term and Possession                                    2
Article 4            Rent and Other Charges                                 2
Article 5            Security Deposit                                       3
Article 6            Services By Landlord                                   3
Article 7            Repair and Maintenance                                 4
Article 8            Tenant Improvements                                    4
Article 9            Surrender Upon Termination                             4
Article 10           Tenant's Default                                       4
Article 11           Right of Entry                                         5
Article 12           Fire and Other Casualty                                5
Article 13           Insurance and Waiver of Recovery                       5
Article 14           Condemnation                                           5
Article 15           Assignment and Subletting                              6
Article 16           Liability                                              6
Article 17           Restrictions on Use                                    6
Article 18           Substitute Premises                                    6
Article 19           General Provisions                                     7
Exhibit A            Floor Plan
Exhibit B            Tenant Finish Floor Plan
Exhibit C            Work to be Performed on the Premises
Exhibit D            Certificate of Occupancy
Exhibit E            Lien Waivers
<PAGE>

                                  222 BUILDING
                              STANDARD OFFICE LEASE

                                    ARTICLE 1
                           PARTIES AND REFERENCE DATA

      As used in this Lease, the Following terms shall have the following
meanings:

      1.1 Landlord: Clayton Investors Associates LLC, a Delaware limited
liability company, having as its address for notice purposes 50 South Bemiston
Avenue, Suite 100, Clayton, Missouri 63105, Attn: J. John Reis.

      1.2 Tenant: Cejka & Company, a Delaware Corporation, having as its address
for notice purposes 222 South Central Avenue, Suite 400, Clayton, MO 63105,
Attn.: Karen Robbins.

      1.3 Date of this Lease:                   October 1, 1998

      1.4 Date of Final Space Plan:             October 1, 1998
          Landlord's Plan Submittal Date:       October 1, 1998
          Tenant's Plan Approval Date:          October 1, 1998

      1.5 Lease Commencement Date:              December 1, 1998
          Rent Commencement Date:               December 1, 1998
          Lease Expiration Date:                November 30, 2003

      1.6 Term: Five (5) years

      1.7 Building: The office building in the City of Clayton, County of St.
Louis, known and numbered as the 222 Building, 222 South Central Avenue,
Clayton, Missouri 63105, including all facilities and improvements thereon.

      1.8 Premises: The Premises shall be located on floors 3, 4 & 7 and shall
be known as Suites 400, 700 & 704 being the same Premises now occupied by
Tenant herein and Suite 300 located in the Building as depicted in Exhibits A
and B of this Lease and as improved in accordance with the provisions of Exhibit
C of this Lease. Simultaneously with the commencement of this Lease is the
termination of the Lease dated February 6, 1986 by and between Cejka & Company
and Clayton investors Associates, LLC for Office Suites 400, 700 & 704 at 222
South Central Avenue.

      1.9 Permitted Use: The Premises shall be used and occupied by Tenant for
general office use and for no other purpose whatsoever provided, however, that
Tenant shall not use or occupy the Premises for any unlawful business use or
purpose.

      1.10 Annual Base Rent and Monthly Base Rent Installment:

            From 12/01/1998 - 09/30/1999; Annually $371,076.00; Monthly
            $30,923.00.

            From 10/01/1999 - 11/30/1999: Annually $410,736.00; Monthly
            $34,228.00.

            From 12/01/1999 - 11/30/2000; Annually $413,664.00; Monthly
            $34,472.00.

            From 12/01/2000 - 11/30/2001; Annually $416,604.00; Monthly
            $34,717.00.

            From 12/01/2001 - 06/30/2002; Annually $419,544.00; Monthly
            $34,962.00.

            From 07/01/2002 -- 11/30/2002; Annually $478,344.00; Monthly
            $39,862.00.

            From 12/01/2002-- 11/30/2003; Annually $481,272.00; Monthly
            $40,106.00.

      1.11 Public Liability Insurance Required: $1,000,000.00.

      1.12 Security Deposit: $6,378.00 (held under previous lease).

      1.13 Expense Stop Amount: The Expense Stop Amount shall be based upon the
Expenses, as defined in Section 4.2 of the Lease, of the Building for the 1998
(01/01/98 - 12/31/98) calendar year for Suite 300 only. The 1993 calendar year
(01/01/93--12/31/93) shall apply for Suites 400 and 700 only. The 1996 calendar
year (01/01/96 -- 12/31/96) shall apply for Suite 704 only.

      1.14 Brokers: Insignia Commercial Group, Inc.
                    Party responsible for payment: Landlord.

      1.15 Addendum: None

      1.16 Exhibits: The following Exhibits attached to this Lease are
incorporated herein by this reference:

            Exhibit A. Floor Plan
            Exhibit B. Tenant Finish Floor Plan
            Exhibit C. Work to be Performed on the Premises
            Exhibit D. Certificate of Occupancy
            Exhibit E. Lion Waivers

                                    ARTICLE 2
                                 DEMISING CLAUSE

      Landlord, for and in consideration of the rents, covenants and agreements
hereinafter mentioned and hereby agreed to be paid, kept and performed by
Tenant, does hereby lease to Tenant, and Tenant does hereby lease from Landlord,
the Premises on the terms and conditions contained herein.


                                       1
<PAGE>

                                    ARTICLE 3
                               TERM AND POSSESSION

      3.1 Term. The Term shall commence on the Lease Commencement Date and shall
continue for the Term, unless earlier terminated as provided for herein.

      3.2 Possession. If the Premises are not available or ready for occupancy
on the Lease Commencement Date, and such unavailability or unreadiness is not
occasioned or caused by Tenant (such as Tenant's failure to promptly approve
plans, make material or color selections, make improvements to the Premises
which are to be made by Tenant or make other decisions which are necessary to
prepare the Premises for occupancy), then the Lease Commencement Date shall be
the first day after the Premises is available and ready for occupancy, and the
Lease Expiration Date shall be adjusted accordingly. Subject to the availability
of the Premises and with the prior approval of Landlord, Tenant shall have the
right prior to the Lease Commencement Date to enter upon the Premises at
reasonable times for the purpose of preparing the Premises for its intended
use. The Premises shall be deemed ready for occupancy if only insubstantial
details of construction, decoration or mechanical adjustments remain to be done.
The determination of Landlord's tenant finish representative for the Building
shall be final as to whether the Premises are ready for occupancy. Tenant's
taking possession of any portion of the Premises shall be conclusive evidence
that such portion of the Premises was in good order and satisfactory condition
when Tenant took possession, except as to damage caused by Tenant or Tenant's
agents. On the date on which Tenant takes possession of the Premises, the
parties shall execute a Certificate of Occupancy in the form attached hereto as
Exhibit D confirming the Lease and Rent Commencement Dates and setting forth any
incomplete items (if any), but failure to execute such document shall not in any
manner affect the obligations of the parties hereunder. Tenant acknowledges that
neither Landlord nor any agent of Landlord has made any representation or
warranty with respect to the Premises or the Building, or with respect to the
suitability of either for the conduct of Tenant's business. If by mutual consent
of Landlord and Tenant, Tenant takes possession of the Premises prior to the
Lease Commencement Date, then during such pre-term period, Tenant shall pay rent
as herein established on a prorata basis and such occupancy shall be under all
of the terms and conditions of this Lease, but such pre-term occupancy shall not
affect this Lease as herein otherwise established.

      3.3 Common Areas. Tenant shall have the nonexclusive right to use, in
common with other tenants in the Building and subject to the building rules, the
common areas in the Building.

                                    ARTICLE 4
                             RENT AND OTHER CHARGES

      4.1 Rent. Commencing on the Rent Commencement Date, Tenant shall pay to
Landlord the Annual Base Rent, payable in the Monthly Base Rent Installment
specified in Article 1.10 to Landlord at the location designated in Article 1.1
or at the place designated from time to time by Landlord in advance and without
demand on the first day of each and every month throughout the Term of this
Lease. The Rent for any partial month shall be prorated on the basis of thirty
(30) days to the month and shall be paid on the first day of such partial
period. In addition, Tenant shall pay to Landlord all charges for any services,
goods, or materials furnished by Landlord at Tenant's request, which are not
required to be furnished by Landlord under this Lease, within thirty (30) days
after Landlord renders a statement therefore to Tenant. All sums hereunder are
payable without deduction, abatement or setoff of any nature whatsoever. All
past due obligations of Tenant shall bear interest at the rate of 1 .833% per
month or, if such rate be unlawful, at the highest lawful rate.

      4.2 Operating Cost Reimbursement. The Annual Base Rent shall be adjusted
from time to time in accordance with this section to reflect increases in the
expense of operating the Building ("Operating Costs"). The Annual Base Rent,
including the adjustments made pursuant to this section, is referred to in this
Lease as the "Rent". Landlord, during the last month of the Building's fiscal
year or as soon thereafter as practical, shall give Tenant written notice of
Landlord's estimate of increases in Operating Costs for the ensuing fiscal year
as compared to the Expense Stop Amount. As used herein ("Tenant's Prorata
Share") shall be the ratio of the Premises to the total leasable area of the
Building. On or before the first day of each and every month during the ensuing
fiscal year, Tenant shall pay to Landlord 1/12th of Tenant's Prorata Share of
each estimated amount. if at any time(s) it appears to Landlord that the actual
costs for the current fiscal year will vary from Landlord's estimate by more
than ten percent (10%), Landlord may, by written notice to Tenant, revise
Landlord's estimate for such year and revise the 1/12th billing accordingly.

      As soon as practical after the end of each fiscal year where estimated
increases in Operating Costs are required by this Lease to be paid, Landlord
shall send to Tenant a statement of the actual amount of the preceding fiscal
year's increase (if any) over the Expense Stop Amount. If the estimated amount
exceeded the actual amount paid by Tenant, such excess amount shall be credited
to Tenant within thirty (30) days from the date of the statement. If the
estimated amount was less than the actual amount owed to Landlord, then Tenant
shall pay to Landlord such difference within thirty (30) days from the date of
the statement. If at the end of the Building's fiscal year less than twelve (12)
months remain on this Lease, the final estimated increase being paid by Tenant
in the final lease year shall prevail to the end of this Lease.


                                       2
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Operating Costs shall include all costs of administration, operation, repairs,
maintenance, utilities, insurance and taxes, but shall not include federal or
state income taxes, tenant alterations, leasing commissions, interest expense,
debt service, capital items, or depreciation. If the Building is not fully
leased or if Landlord is not providing standard building services to all tenants
during any calendar year, actual Expenses shall be adjusted to reflect a fully
serviced and leased Building for the purpose of making the adjustment to Annual
Base Rent. In order to avoid distortion and inequity, the following items shall
be considered operating expenses and amortized over the life of the items: (i)
capital items made after the commencement of this Lease that produce a reduction
in energy consumption or Operating Costs; (ii) capital items caused by
governmental requirements imposed after the commencement of this Lease.

      4.3 Inspection. Tenant may inspect the books of the Building with respect
only to the Operating Costs of the Building at the office of the property
manager for the Building during normal business hours, provided such inspection
is requested within thirty (30) days from the statement date. Such inspection,
however, shall not extend the due date for payment. Unless Tenant asserts
specific error(s) within forty-five (45) days of statement date, the statement
shall be deemed to be correct. In the event of any dispute under this paragraph,
the determination of the independent certified public accountant then servicing
Landlord's books relating to the Building shall be binding on all parties.

                                    ARTICLE 5
                                SECURITY DEPOSIT

      Simultaneous, with the execution of this Lease, Tenant shall deposit with
Landlord the Security Deposit as specified in Article 1.12 to be held to
guarantee the faithful performance by Tenant of all of Tenant's obligations
under this Lease. Any interest earned thereon shall be the property of Landlord.
Upon the occurrence of any event of default by Tenant, Landlord may, from time
to time, without prejudice to any other remedy, use the Security Deposit to the
extent necessary to cure such default, the remaining balance to be returned by
Landlord to Tenant after termination of this Lease. Such Security Deposit shall
not be considered an advance payment of Rent or a measure of Landlord's damage
in case of default.

                                    ARTICLE 6
                              SERVICES BY LANDLORD

      Landlord covenants and agrees:

      a. to furnish heat and air conditioning to provide a seasonable
temperature (subject to governmental regulations) for normal occupancy and use
of the Premises (defined as a density not to exceed one [1] person per 175
usable square feet in the Premises) under normal business operations daily from
8:00 A.M. to 6:00 P.M., Saturdays from 8:00 A.M. to 1:00 P.M., Sundays and legal
holidays excepted ("Normal Business Hours");

      b. to provide elevator service during normal business hours and to have at
least one (1) elevator subject to call at all other times;

      c. to provide water for lavatory and drinking purposes in places
designated by Landlord;

      d. To provide maintenance services to keep the public areas of the
Building in good order and to cause the Premises to be cleaned by sweeping
floors, dusting the surfaces of normal office furniture, and emptying
wastebaskets on each business day, and to cause the floors of the public areas
and the Premises to be waxed or vacuumed and the windows to be cleaned at
reasonable intervals;

      e. To furnish the labor necessary to relamp all fluorescent light fixtures
installed by Landlord in the Premises;

      f. To provide electrical service at those points of connection provided
and installed by Landlord and in the manner and to the extent deemed by Landlord
to be standard. Tenant shall report to Landlord any material deficiency in the
services provided by Landlord or Landlord's Agents. Normal electrical
consumption on the Premises is as follows: electricity consumed by Tenant for
normal use of fluorescent lighting and small office machines aggregating not
more than four (4) watts per square foot per hour for normal business hours.
Tenant will not be allowed to exceed any of the amounts of electricity in the
Premises as herein referenced without Landlord's prior written approval. If
Tenant receives Landlord's written approval, Tenant is responsible for all
expenses associated with such excess electrical consumption. Landlord reserves
the right to install submeters or to conduct an electric consumption audit to
determine electrical consumption on the Premises at the expense of Landlord. If
desired by Tenant, a master meter may be installed at Tenant's expense. Landlord
shall have access to such metering devices at all reasonable times and shall
prepare a separate monthly statement of the excess utilities used by such
equipment based on the utility rates established from time to time by the public
utility furnishing such service. Tenant shall pay the amounts shown on such
statements to Landlord within thirty (30) days of receipt;

Tenant acknowledges that any one or more such services may be suspended by
reason of accident, repair, alterations or improvements necessary to be made,
strikes, lookouts, governmental restrictions, regulations or controls or causes
beyond the reasonable control of Landlord. No interruption, change or
malfunction of any of the services to be furnished by Landlord hereunder shall
constitute an eviction or disturbance of Tenant's use and possession of the
Premises or the Building or a breach by Landlord of any of Landlord's
obligations hereunder or render Landlord liable for damages or entitle Tenant to
be relieved from any of Tenant's obligations hereunder or grant Tenant any right
of setoff or recoupment. Landlord will, however, use reasonable diligence to
restore any such interrupted service except where such event is required or
recommended by governmental authority.


                                       3
<PAGE>

                                    ARTICLE 7
                             REPAIR AND MAINTENANCE

      Landlord will, at Landlord's own cost and expense, except as may be
provided elsewhere herein, make the necessary repairs of damage to the
Building's corridors, lobby, structural members and equipment used to provide
services furnished by Landlord hereunder, unless any such damage is caused by
acts or omissions of Tenant, Tenant's agents, or employees, in which event
Tenant will bear the cost of such repairs. Tenant will not injure the Premises
or the Building, but will maintain the Premises in a clean, attractive condition
and in good repair, except as to damage to be repaired by Landlord as provided
above and except for the cleaning services to be rendered by Landlord as
provided in Article 6.

                                    ARTICLE 8
                               TENANT IMPROVEMENTS

      Tenant shall not, without the prior written consent of Landlord, make any
alterations, improvements or additions to the Premises (hereinafter referred to
as a "Change"). If Landlord consents to a Change it may impose such conditions
with respect thereto as Landlord deems appropriate, including without
limitation, requiring Tenant to furnish Landlord security for the payment of all
costs to be incurred in connection with the Change, insurance against
liabilities which may arise out of such work and the plans and specifications
together with all necessary permits for such Change. The work necessary to make
the Change shall be done at Tenant's expense by employees or contractors hired
by Landlord except to the extent that Landlord may agree otherwise, and shall be
performed in such manner and at such times as Landlord shall direct to minimize
disturbance to other tenants. Tenant shall promptly pay, when due, the cost of
all such work and of all decorating required by reason thereof. Tenant shall
also pay to Landlord a percentage of the cost of such work (such percentage to
be established on a uniform basis for the Building) sufficient to reimburse
Landlord for all expenses arising from Landlord's involvement with such work.
Upon completion of such work, Tenant shall deliver to Landlord, if payment is
made directly to contractors, evidence of payment, contractors affidavits and
full and final waivers of all liens for labor, services or materials (in the
form attached hereto as Exhibit E). Tenant shall indemnify, defend and hold
harmless Landlord and the Building from all costs, damages and liens and
expenses related to such work. In connection with such work Tenant shall never
be deemed an agent of Landlord. All work done by Tenant or Tenant's contractors
shall be done in a first class workmanlike manner using only good grades of
materials and shall comply with all union and insurance requirements and all
Conditions. Any Change shall (without compensation to Tenant) become Landlords
property at the termination of the Term, and shall, unless Landlord requests
otherwise, be relinquished to Landlord in good condition, ordinary wear
excepted.

                                    ARTICLE 9
                           SURRENDER UPON TERMINATION

      9.1 Surrender. At the expiration of this Lease, Tenant shall surrender the
Premises broom cleaned and in as good condition as it was at the beginning of
the Term, reasonable use and wear and tear excepted. Tenant shall also surrender
to Landlord all keys to the Premises and the Building. Prior to the expiration
of this Lease, Tenant shall remove all personal property. If Tenant fails to
remove personal property or falls to leave the Premises in the condition
described above, Landlord may remove such personal property and restore the
Premises and charge Tenant for such removal and restoration.

      9.2 Holding Over. If Tenant without the consent of Landlord retains
possession of the Premises or any part thereof after termination of the Term,
Tenant shall pay to Landlord Rent at a rate equal to two hundred percent (200%)
of the Rent payable for the month immediately preceding the commencement of said
holding over computed on a per month basis for each month or part thereof
(without reduction for any partial month) that Tenant remains in possession, and
in addition thereto, Tenant shall pay Landlord all direct and consequential
damages sustained by reason of Tenant's retention of possession. Such retention
of possession shall constitute a month to month lease terminable in accordance
with law.

                                   ARTICLE 10
                                TENANT'S DEFAULT

      If Tenant defaults in the payment of Rent, or any other monetary
obligation hereunder, for more than five (5) business days after written notice
of such default by Landlord, or if Tenant defaults in the performance of any
other covenant, agreement, condition, rule or regulation herein contained or
provided for, or hereafter established for more than twenty (20) days after
written notice of such default by Landlord, then (in addition to and as an
alternative to all other legal remedies) Landlord shall have the right either to
(i) terminate this Lease and Tenant's right to possession of the Premises, or to
(ii) terminate only Tenant's right to possession of the Premises; and in either
such event, Landlord shall have the right to re-enter and/or repossess the
Premises, and dispose and remove therefrom Tenant, or other occupants thereof,
and their effects, and alter the locks and other security devises at the
Premises, all without being liable for any prosecution or damages therefore, in
either event Landlord shall be entitled to recover from Tenant, in addition to
the Rent, all expenses incurred In connection with such default, including
repossession costs, legal expenses and attorney's fees (whether or not suit is
filed), and all expenses incurred in connection with efforts to relet the
Premises, including cleaning, altering, advertising and brokerage commissions;
and all such expenses shall be reimbursed by Tenant as additional Rent, whether
or not such default is subsequently cured, if Landlord elects to terminate only
Tenant's right to possession, then Landlord may, at Landlord's option,
accelerate the entire amount then remaining unpaid under this Lease and recover
same forthwith from Tenant, together with all other charges recoverable
hereunder, and thereafter Landlord shall pay over to Tenant the net proceeds of
any total or partial reletting. If Landlord terminates only Tenant's right to
possession, then Landlord may relet the Premises for the account of Tenant
(either in the name of the Landlord or Tenant). *10.1

*10.1


                                       4
<PAGE>

                                   ARTICLE 11
                                 RIGHT OF ENTRY

      Landlord and Landlord's representatives may enter the Premises at any
reasonable time for the purpose of inspecting the Premises, performing
Landlord's obligations under this Lease, performing any work which Landlord
elects to undertake for the safety, preservation, benefit or welfare of the
Building or other tenants thereof, performing any work which Landlord elects to
undertake made necessary by reason of Tenant's default, or exhibiting the
Building or Premises for sale, lease or financing during the last year of the
Term of this Lease.

                                   ARTICLE 12
                             FIRE AND OTHER CASUALTY

      If at any time during the Term of this Lease, the Premises or any portions
of the Building shall be damaged or destroyed by fire or other casualty so as to
render the Building unquestionably untenantable for 120 days or render the
Premises unquestionably untentantable for 120 days or twenty percent (20%) of
the unexpired term, whichever is less, then either party may elect, within
thirty (30) days from the date of casualty, to terminate this Lease on the tenth
(10th) day after such election. Any dispute hereunder shall be determined by an
independent architect selected by Landlord.

      In any of the aforesaid circumstances, Rent shall abate proportionately
during the period and to the extent that the Premises is unfit for use by Tenant
in the ordinary conduct of Tenant's business. If this Lease is not terminated by
reason of such casualty, then Landlord shall repair and restore the Building and
Premises at Landlord's expense, with all reasonable speed and promptness,
subject to delays arising from shortage of labor or material, acts of god, war
or other conditions beyond Landlord's reasonable control; provided, however,
that Landlord shall not be required to restore any alterations, additions or
improvements made by or for Tenant which would not belong to Landlord upon the
expiration of this Lease.

                                   ARTICLE 13
                        INSURANCE AND WAIVER OF RECOVERY

      13.1 Insurance. Tenant shall at all times during the Term maintain in full
force and effect with respect to the Premises public liability insurance having
the limits set forth in Article 1.11 hereof, all risk property insurance upon
all property owned or used by Tenant in the Premises in an amount not less than
ninety percent (90%) of the full replacement cost thereof, workers' compensation
and employer's liability insurance in form and amount required by law, and such
other coverage as may be reasonably required by Landlord or any mortgagee of the
Building, each in the standard form generally of use in the State of Missouri in
a company satisfactory to Landlord. The amount of such insurance coverage shall
be subject to increase upon the reasonable request of Landlord. Such insurance
shall be subject to modification or cancellation only upon ten (10) days' notice
to each certificate holder. Tenant, at or prior to the Lease Commencement Date,
and thereafter not less than thirty (30) days prior to the expiration of any
such policy, shall furnish Landlord with a certificate of insurance in such
coverage, such certificate to be in a form acceptable to Landlord and any
mortgagee of the Building and, at the request of Landlord, to name Landlord and
any such mortgagee as an additional insured as their interests may appear (or in
the case of a mortgagee, by means of a standard mortgagee endorsement).

      13.2 Waiver of Recovery. Notwithstanding anything herein to the contrary,
Landlord and Tenant and all parties claiming under them hereby mutually release
and discharge the other from all claims and liabilities arising from or caused
by any hazard covered by insurance on the Building or Premises, or covered by
insurance in connection with property on or activities conducted at the Building
or Premises, regardless of the cause of the damage or loss. This release shall
apply only to the extent that such loss or damage is covered by insurance and
only so long as the applicable insurance policies contain a clause to the effect
that this release shall not effect the right of the insured to recover under
such policies.

                                   ARTICLE 14
                                  CONDEMNATION

      If all of the Premises is taken by condemnation, this Lease shall
terminate on the date when the Premises shall be so taken, and Rent shall be
apportioned as of that date. If part of the Building or Premises is taken by
condemnation and the Building or Premises is thereby rendered not reasonably
suitable for the continued conduct of Landlord's or Tenant's business, taking
into consideration the nature, size and scope of such business immediately prior
to the taking, then either party may elect by giving written notice to the
other, to terminate this Lease. In the event of such termination, all charges
and Rent shall be apportioned as of the date of taking. If the taking involves a
part of the Premises and if neither party elects to terminate this Lease, then
with respect to the part not taken the Rent shall be reduced by the value that
the condemned part bears to the total value of this Premises, in which event
Landlord shall restore the Promises to an architecturally complete unit. No part
of any award shall belong to Tenant, except for amounts awarded directly to
Tenant by the condemning authority.


                                       5
<PAGE>

                                   ARTICLE 15
                            ASSIGNMENT AND SUBLETTING

      Tenant shall not assign, mortgage or encumber this Lease, nor Sublet or
permit the Premises or any part thereof to be used by others, without the prior
written consent of Landlord in each instance, and any attempt to do any of the
foregoing without Landlord's consent shall be void. Landlord, however, shall not
unreasonably withhold the consent to an assignee or subtenant provided the
assignee's or subtenant's occupancy and use of the space, in the reasonable
judgment of Landlord, is similar to that of other tenants in the Building and is
not detrimental to the Building or any other tenants of the Building. In no
event shall this Lease be assigned or the Premises sublet for a rent less than
Landlord's schedule of rents for comparable space in the Building at the time.
Tenant's request for Landlord's consent to an assignee or subtenant shall be in
writing and accompanied by: (i) a true copy of the documents of assignment or
subletting, and (ii) information respecting the responsibility, reputation,
financial condition and business of the proposed assignee or subtenant. *15.1
Notwithstanding any consent by Landlord to an assignment or subtenancy, Tenant
shall remain jointly and severally liable (along with each approved assignee or
subtenant who shall automatically become liable for obligations of Tenant
hereunder), and Landlord shall be permitted to enforce the provisions of this
instrument directly against the undersigned Tenant and/or assignee or subtenant
without proceeding in any way against any other person. In any case where
Landlord consents to any such assignment, sublease or other transaction,
Landlord may require that Tenant pay Landlord a reasonable sum for attorney's
fees arising incident to such transaction. In no event shall any assignee or
subtenant have any right to make alterations in the Premises without the prior
written consent of Tenant and Landlord. If Tenant is permitted to sublease or
assign at a Base Rent in excess of that provided for herein, such excess shall
be paid by Tenant to Landlord as received.

*15.1

                                   ARTICLE 16
                                    LIABILITY

      Notwithstanding any other provision hereof to the contrary, Landlord or
Landlord's agents shall not be liable for any damage to property entrusted to
employees or agents of Landlord, nor for loss of or damage to any property by
theft or otherwise, nor for any injury or damage to persons or property
resulting from fire, explosion, falling plaster, steam, gas, electricity, water
or rain which may leak from any part of the Building or from the pipes,
appliances or plumbing works therein or from the roof, street or sub-surface or
from any other place or resulting from dampness or any other cause whatsoever.
*16.1 Landlord or Landlord's agents shall not be liable for interference with
the light or other incorporeal hereditaments, nor shall Landlord be liable for
any latent defect in the Premises or in the Building. Tenant shall give prompt
notice to Landlord in case of fire or accidents In the Premises or in the
Building or of defects therein or in the fixtures or building equipment.

*16.1

                                   ARTICLE 17
                               RESTRICTIONS ON USE

      Tenant shall not smoke nor allow, permit or suffer any noise or odor to
escape from the Premises in a manner which will disturb other occupants of the
Building, or occupy the Premises in such manner to disturb the peaceful and
quiet occupancy of the other tenants of the Building or constitute a public or
private nuisance, or keep open any exterior or corridor door thereto, or permit
any portion of the Premises visible from the exterior thereof to become
unsightly or in disrepair, or to bring into the Building any hazardous material,
or permit any unsafe or hazardous condition to exist in the Premises.

No sign, fixture, advertisement or notice shall be displayed, inscribed, painted
or affixed by Tenant on any part of the inside or outside of the Building
without the prior written consent of Landlord. Tenant shall not install any
draperies, shades or blinds visible from the exterior of the Building, unless
the color, materials, shape, style and size have the prior approval of Landlord.
Tenant shall not install or permit the installation of vending machines or other
special equipment in the Premises without prior written consent of Landlord.
Movement in and out of the Building of furniture or office equipment, or
dispatch or receipt by Tenant of any merchandise or materials, shall be done
only during the hours designated by Landlord and by means of elevator and exit
designated by Landlord. Tenant shall cooperate with Landlord in securing the
Building during non-normal business hours.

                                   ARTICLE 18
                               SUBSTITUTE PREMISES

      If, during the Term, Landlord requires the Premises for use in conjunction
with another suite or for other reasons connected with the Building planning
program, upon notifying Tenant in writing, Landlord shall have the right to move
Tenant to a substitute premises in the Building, at Landlord's sole cost and
expense, and the terms and conditions of this Lease shall remain in full force
and effect, save and excepting that a revised Exhibit A and B shall become part
of this Lease and shall reflect the location of the new space and Article 1 of
this Lease shall be amended to include all correct data as to the new space.
Landlord shall give Tenant at least sixty (60) days notice of Landlord's
intention to relocate the Premises. Tenant shall have thirty (30) days from the
date of Landlord's notice to accept or reject the substitute premises. If Tenant
refuses to accept the substitute premises or fails to reply to Landlord's notice
within the time stated, this Lease shall terminate upon Tenant vacating the
Premises or upon three (3) months from the date of Landlord's notice to Tenant,
whichever occurs first.


                                       6
<PAGE>

                                   ARTICLE 19
                               GENERAL PROVISIONS

      19.1. Notices: Any notice under this Lease shall be in writing and shall
be deemed to be duly given only when mailed by certified mail, addressed to
Landlord at the address at which it receives rent or addressed to Tenant at the
Premises.

      19.2. Successors And Assigns: The covenants, conditions and agreements
contained in this Lease shall run with the land and be binding upon and inure to
the benefit of the parties hereto and their respective heirs, executors,
administrators, successors and such assigns and subtenants as may be permitted
hereunder, provided however, that upon the transfer of Landlord's interest
hereunder the transfer shall have no liability for causes of action or defaults
accruing thereafter.

      19.3. Whole Contract: This Lease, together with all the Exhibits
referenced in Article 1 and Addendum, if any, constitutes the sole and entire
contract between the parties relative to the Premises, and shall be binding upon
the parties hereto and their respective heirs, personal representatives,
executors, successors and permitted assigns, as the case may be. No
representations as to the Premises have been made by Landlord to Tenant either
directly or indirectly prior to or at the execution of this Lease that are not
herein expressed.

      19.4 Applicable Law and Partial Invalidity: This Lease shall be governed
by and enforced in accordance with the laws of the State of Missouri. The
invalidity or unenforceability of any provision of this Lease shall not affect
or impair any other provision.

      19.5 Amendment: This Lease may not be altered, amended, modified, or
extended except by written instrument signed by Landlord and Tenant.

      19.6 Waiver: The waiver by Landlord of any breach of any term, condition
or covenant of this Lease shall not be deemed to be a waiver of any subsequent
breach of the same or any other term, condition or covenant of this Lease. No
failure by Landlord to take action against Tenant on account of any failure by
Tenant to perform any of Tenant's obligations under this Lease shall be deemed
to be a waiver by Landlord, except only where Landlord has provided to Tenant a
written waiver, signed by Landlord.

      19.7 Brokerage: Each of the parties hereto warrants to the other that,
except as set forth in Article 1 hereof, such party has not obligated the other
party for any finders', brokers' or other agents' commission, fees or other
remuneration in connection with this Lease; and Tenant shall indemnify and hold
Landlord harmless from and against any and all claims for such fees alleged to
have been incurred by Tenant.

      19.8 Estoppel: Within ten (10) days after request by Landlord or any
mortgagee of Landlord or any proposed purchaser of the Building, Tenant shall
deliver to Landlord or any proposed mortgagee or purchaser of the Building, a
Lease Estoppel Certificate in the Building standard form, certifying, if such be
the case, that this Lease is in full force and effect, and unmodified (or
stating any modifications), that Tenant is in possession of the Premises, that
Tenant has commenced the payment of Rent required under this Lease, that there
are no defenses or offsets to this Lease claimed by Tenant as of the date of
such Lease Estoppel certificate, that to the best of Tenant's knowledge,
Landlord is not in default hereunder, the dates to which any Rent or other
charge has been paid in advance, and such other information as may be requested.

      19.9. Subordination: The Lease is hereby made subject, junior and
subordinate to the Mortgage or Deed of Trust and to all renewals, modifications,
consolidations, replacements and extensions of the Mortgage or Deed of Trust so
that all rights of the Tenant under the Lease shall be subject, junior and
subordinate to the rights of the Mortgagee or beneficiary of a Deed of Trust and
to all renewals, modifications, consolidations, replacements and extensions of
the Mortgage or Deed of Trust as fully as if such Instruments had been executed,
delivered and recorded prior to the Lease, all on the conditions and subject to
the other provisions of this Agreement.

      19.10 Attornment: Tenant agrees to recognize the Mortgagee lender or
holder under the Mortgage or beneficiary of a Deed of Trust or any purchaser at
a foreclosure sale involving the Mortgage or Deed of Trust as its landlord under
the Lease without the necessity of any other or further attornment than in this
paragraph contained (and this paragraph shall be considered an attornment).
*19.10.1 Tenant hereby waives any and all rights to termination of the Lease by
reason of the foreclosure of the Mortgage or Deed of Trust, and if any court
holds the Lease to be terminated by reason of a foreclosure of the Mortgage or
Deed of Trust, this Agreement shall be deemed to be a new lease between the
purchaser at such foreclosure, as landlord, and Tenant, as tenant, for the
balance of the term of the Lease for the same demised premises at the same
rental therein provided and upon the identical terms and conditions as therein
provided. Also in the event of any such holding, at the written request of
Tenant or the purchaser at the foreclosure, Tenant and such purchaser at
foreclosure shall execute and deliver to each other a new lease for the balance
of the term of the Lease for the same demised premises at the same rental
therein provided and upon the same terms and conditions as therein provided.
*19.10.2

*19.10.1

/s/ [Initialed]

*19.10.2

/s/ [Initialed]

      19.11. Authority: Tenant, in the event that it is a Corporation, hereby
covenants and warrants that (a) it is duly authorized to do business in the
State of Missouri; (b) the person executing this lease on behalf of Tenant is an
officer of Tenant duly authorized by Tenant to sign and execute this Lease on
Tenant's behalf; and (c) this Lease is a valid and binding obligation of Tenant,
enforceable in accordance with the Lease's terms.

      19.12. Non-Binding Unless Signed: Submission of the form of this Lease for
examination shall not bind Landlord in any manner, and no lease or other
obligation of Landlord shall arise until this instrument is signed by both
Landlord and Tenant, approved by the holder of any mortgage, deed of trust or
other financial encumbrance on the Building having such approval rights, and
delivery is made to each party.


                                       7
<PAGE>

      19.13. Rights: No rights to any view or to light or air over any property,
whether belonging to Landlord or any other person are granted to Tenant by this
Lease.

      19.14. Requirements of Lender: If a lender requires as a condition to
lender's lending funds, the repayment of which is to be secured by a financial
encumbrance on the Building, that certain modifications be made to this Lease,
which modifications will not require Tenant to pay any additional amounts or
otherwise materially change the rights or obligations of Tenant hereunder,
Tenant shall, upon Landlord's reasonable request, execute appropriate
instruments effecting such modifications.

      19.15. Confidentiality: The terms and conditions of this Lease are
confidential and may not be disclosed by Tenant or Tenant's Representatives to
any third parties without the prior written consent of Landlord.

      19.16. Landlord's Default: In the event of any default on the part of
Landlord, Tenant shall give notice by certified mail to any holder of a
financial encumbrance covering the Building, whose address shall have been
furnished to the Tenant, and shall offer such holder a reasonable opportunity to
cure the default, including time to obtain possession of the Building by power
of sale or a judicial foreclosure, if such should prove necessarily to effect a
cure.

      19.17. Landlord's Rights: Landlord shall, from time to time, have the
right to change the name of the Building and to make, establish and promulgate
reasonable rules and regulations for the Building, and the occupants and tenants
thereof, and Tenant shall observe, keep and comply with such rules and
regulations. In no event shall Landlord be liable to Tenant for consequential or
incidental damages arising out of or relating to this Lease.

      19.18. Property Taxes: Tenant shall be liable for and shall pay before
delinquency, taxes levied against any personal property or trade fixtures placed
by Tenant in the Premises.

      19.19 Headings: The Article and/or Section headings and the Table of
Contents in this Agreement are included herein for convenience of reference only
and shall not constitute a part of this Agreement for any other purpose.

      19.20 Interpretation Of Words. All words which refer to Landlord and
Tenant shall be considered to be of the gender and number required, and if
Tenant be more than one person, the provisions hereof shall apply to them
jointly and severally.

      19.21. Time Of The Essence: Time is of the essence with respect to the
performance and observance of all of the terms, covenants and conditions hereof
by Tenant.

      IN WITNESS WHEREOF, the parties have executed this Lease as of the day and
year first above written.

Landlord:                               Tenant:
Clayton Investors Associates LLC        Cejka & Company

By: Insignia/ESG, Inc.
     a Delaware corporation
     Its:  Agent


By: /s/ James Gray                     By:  /s/ Karla Mount
   --------------------------------        -------------------------------------
Title: Vice President                      Chief Financial Officer
      -----------------------------        -------------------------------------
                                           Title
<PAGE>

                                   EXHIBIT A
                                   FLOOR PLAN

                              [FLOOR PLAN OMITTED]
<PAGE>

                                   EXHIBIT B
                            TENANT FINISH FLOOR PLAN

                              [FLOOR PLAN OMITTED]
<PAGE>

                                    EXHIBIT C
                      WORK TO BE PERFORMED ON THE PREMISES

      A. Construction. Based on the space plan dated October 1, 1998, approved
by both Landlord and Tenant and included herein as Exhibit B, Landlord shall
construct the improvements to the Premises. Tenant shall be responsible for
payment of $13,737.00 as its share of the cost of said improvements due 50%
($6,868.50) on December 1, 1998 and 50% ($6,868.50) on January 1, 1999.

      In the event that Tenant requests any modifications to the Approved
Construction Documents ("Change Orders"), Tenant, upon written approval from the
Landlord of the Change Order, will pay Landlord the total amount of such costs
within ten (10) days of Landlord's approval of the Change Order.
<PAGE>

                                    EXHIBIT D
                            CERTIFICATE OF OCCUPANCY

TENANT:     CEJKA & COMPANY

LANDLORD:   CLAYTON INVESTORS ASSOCIATES LLC

BUILDING:   222 BUILDING

PREMISES:   SUITES 300, 400 & 700

DATE OF ORIGINAL LEASE EXECUTION: __________________

      This Certificate of Occupancy is executed by Tenant and Landlord pursuant
to the provisions of the Lease referenced above, and shall be attached thereto
and become a part thereof for all purposes.

      1. Tenant hereby acknowledges that it has inspected the Premises and finds
same to be substantially complete, in a tenantable condition and now suitable
for Tenant's intended use.

      2. Tenant and Landlord hereby agree that all work to be done to the
Premises is acceptable and that the only work remaining to be done to the
Premises, all of which is of a minor nature, is as follows:
___________________________________________________
Such work is the responsibility of __________________________ (insert Tenant or
Landlord, as the case may be) to complete and said party hereby agrees to
promptly undertake the completion of same. Tenant hereby agrees that such work
may be completed after it has taken occupancy of the Premises and the term of
the Lease has commenced; and further, that Tenant shall not be entitled to any
abatement of Tenant's Rent or other compensation as a result thereof.

      3. Tenant and Landlord hereby agree, pursuant to Section 3.2 of the Lease,
that the actual Commencement Date of the term of the Lease shall be
________________________ and that the Rent, as provided for in the Lease, shall
commence as of such date, and further, that the Lease will terminate at Midnight
(local time) on __________________, if not otherwise terminated pursuant to the
provisions of the Lease.

      Executed this _________ day of __________________, 19 ______.

TENANT:

CEJKA & COMPANY

By: ________________________________

Title: _____________________________

Date: ______________________________


LANDLORD:

CLAYTON INVESTORS ASSOCIATES LLC

By: Insignia/ESG, Inc.
    a Delaware corporation
    Its: Agent

By: /s/ James Gray
    --------------------------------
Title: Vice President
       -----------------------------
Date: 11-12-98
      -----------------------------

<PAGE>

                                    EXHIBIT E
                                     FORM 1
                            CONTRACTOR'S LIEN WAIVER

STATE OF MISSOURI    )
                     ) SS.   WAIVER OF ACKNOWLEDGMENT
CITY OF ST. LOUIS    )

      WHEREAS, ______________________________ ("Contractor") has/have been
employed by __________________________, as Tenant of the Premises described
below, to perform construction as a general contractor upon the following
described premises, to-wit:

("the Premises"), the specific terms and conditions of such employment being
governed by that certain Agreement dated the ______ day of _________, 19__, and

      WHEREAS, Clayton Investors Associates LLC (Landlord") is Landlord of the
Premises.

      NOW, THEREFORE, for and in consideration of the sum of Ten Dollars
($10.00) and other good and valuable consideration, the receipt of which is
hereby acknowledged, Contractor does hereby waive any right it may have to file
any and all mechanic's liens, claim of lien or right of lien against Landlord or
Landlord's interest in the Premises, provided by the statutes of the State of
Missouri, upon the above described Premises or any portion thereof. Further,
Contractor hereby acknowledges that Landlord has not contracted for or agreed to
pay for the work or materials called for in the contract described above.
Contractor agrees to look solely to Tenant or Tenant's interest in the Premises
to satisfy any mechanic's lien, right, claim or causes of action which
Contractor may have against Tenant arising out of the above referenced contract.
Contractor shall obtain a similar waiver and acknowledgment from all
subcontractors and suppliers.

      EXECUTED this ___ day of ___________,19___.

                                        CONTRACTOR:

                                        ________________________________________

                                        By: ____________________________________

Subscribed and sworn to before me this ____ day of _________, 19___.

My commission expires: _________________________________________________________


                                      ____________________________ Notary Public

<PAGE>

                                    EXHIBIT E
                                     FORM 2
                             PARTIAL WAIVER OF LIEN

                      (Subcontractor or Material Supplier)

STATE OF MISSOURI   )
                    ) SS.
CITY OF ST. LOUIS   )

      WHEREAS, ___________________________ ("Contractor") has/have been employed
by ______________________________, as Tenant of the Premises described below, to
perform construction as a general contractor upon the following described
premises, to-wit:

("the Premises"), the specific terms and conditions of such employment being
governed by that certain Agreement dated the ___ day of ______, 19__, and

      WHEREAS, under authority of the above mentioned Agreement, ________
has/have employed as a subcontractor material supplier, to perform labor, to
furnish materials or to do both upon the Premises or some portion thereof, the
specific terms and conditions of such employment being governed by that certain
Agreement dated the ____ day of _________, 19__, and

      WHEREAS, Clayton Investors Associates LLC ("Landlord") is Landlord of the
Premises.

      NOW, THEREFORE, for and in consideration of the sum of Ten Dollars
($10.00) and other good and valuable consideration, the receipt of which is
hereby acknowledged, subcontractor or material supplier does hereby waive any
right it may have to file any and all mechanic's liens, claim of lien or rights
of lien against Landlord or Landlord's interest in the Premises, provided by the
statutes of the State of Missouri, upon the above described Premises or any
portion thereof. Further, subcontractor or material supplier hereby acknowledges
that Landlord has not contracted for or agreed to pay for the work or materials
called for in the contract described above. Subcontractor or material supplier
agrees to look solely to Tenant to satisfy any lien, right, claim or cause of
action which subcontractor or material supplier may have against Tenant arising
out of the above referenced contract.

      EXECUTED this __ day of ___________, 19___.

                                        SUBCONTRACTOR OR
                                        MATERIAL SUPPLIER:

                                        ________________________________________


                                        By: ____________________________________
<PAGE>

                                   Addendum To
                     THE 222 BUILDING STANDARD OFFICE LEASE
                             Dated: October 1, 1998
                                 By And Between
                   CLAYTON INVESTORS ASSOCIATES LLC (LANDLORD)
                                       And
                            CEJKA & COMPANY (TENANT)

  This Addendum amends and supplements the Lease and shall govern in the event
  of any inconsistency between the Lease and the Addendum. The terms defined in
             the Lease shall have the same meaning in the Addendum.

                                   ARTICLE 10
                                TENANT'S DEFAULT

*10.1    Delete the language after the asterisk 10.1 (Page 4)

                                   ARTICLE 15
                            ASSIGNMENT AND SUBLETTING

*15.1    Delete the language after the asterisk 15.1 (Page 6)

                                   ARTICLE 16
                                    LIABILITY

*16.1    Add the following language after the asterisk 16.1 (Page 6):

         except for Landlord or Landlord's agent's gross negligence or willful
         misconduct.

                                   ARTICLE 19
                               GENERAL PROVISIONS

*19.10.1 Add the following language after the asterisk 19.10.1 (Page 7):

         Notwithstanding the foregoing, Landlord shall provide the Tenant a
         commercially reasonable non-disturbance executed by mortgage lender or
         other holder of a mortgage.

*19.10.2 Add the following language after the asterisk 19.10.2 (Page 7):

         The provisions of this paragraph shall include the right of Tenant to a
         commercially reasonable non-disturbance agreement upon Tenant's request
         from any of the foregoing.