<PAGE>   1
                         NORTHWESTERN CORPORATE CENTER
                              SOUTHFIELD, MICHIGAN

                                     LEASE


    This Lease is made between Landlord and Tenant hereinafter identified 
in Sections 1(b) and 1(c) hereof, respectively, and constitutes a Lease between
the parties of the "Demised Premises" in the "Building," as defined in Sections
2.2 and 2.1 hereof, respectively, on the terms and conditions and with and 
subject to the covenants and agreements of the parties hereinafter set
forth.

                             W I T N E S S E T H :

1.  BASIC LEASE PROVISIONS.

    The following are certain basic lease provisions, which are part of, and in 
certain instances referred to in subsequent provisions of, this Lease:

    (a)  Date of this Lease: October 10, 1997

    (b)  Landlord:  NORTHWESTERN CORPORATE CENTER ASSOCIATES LIMITED 
                    PARTNERSHIP, a Michigan limited partnership

    (c)  Tenant:    MCA FINANCIAL CORP.


    (d)  Demised Premises:

         A portion of the Basement; a portion of the First Floor and all of the
         Fifth, Sixth and Seventh Floors.  SEE ATTACHED RIDER.

    (e)  Anticipated Commencement Date:  March 1, 1998

    (f)  Expiration Date:

         The expiration of one hundred twenty (120) full calendar months after
         the Commencement Date.

    (g)  Basic Rental: SEE ATTACHED RIDER.



    (h)  Tenant's Share:  Fifty-Five Percent (55%)

    (i)  Tenant's Use: General office and for storage and related purposes.


    (j)  Deposit:

         Two Hundred Ten Thousand and 00/100 Dollars ($210,000)

    (k)  Tenant's Address for Notices:  Prior to the Commencement Date:
                                        23999 Northwestern Highway, Ste. 230
                                        Southfield, MI  48075-2579
                                        Thereafter:  The Demised Premises

    (l)  Landlord's Address for Notices:

         Northwestern Corporate Center Associates Limited Partnership
         c/o Kojaian Management Corporation
         26600 Telegraph, Suite 450
         Southfield, Michigan  48304
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         with a copy to:

         Grubb & Ellis Real Estate Management
         2000 Town Center, Suite 500
         Southfield, Michigan  48075

    (m)  Guarantor: None.

    (n)  Guarantor's Address for Notices:  Not Applicable.



2.  BUILDING AND DEMISED PREMISES.

    2.1  Landlord is the owner of certain land and improvements, more
particularly described on Exhibit "A" hereto, at 24700 Northwestern Highway,
Southfield, Michigan, including a building (hereinafter referred to as the
"Building") and certain interior and exterior common and public areas and 
facilities, including the surface parking facilities (hereinafter referred
to as the "Common Areas") as may be designated by Landlord for the use in
common by tenants of the Building.  The Building and appurtenant Common Areas
are hereinafter referred to as the "Development."

    2.2  Subject to the terms, covenants, agreements and conditions herein set
forth, Landlord hereby leases to Tenant, and Tenant hereby leases from
Landlord, those certain premises (herein referred to as the "Demised Premises")
designated in Section 1(d) hereof, as shown on the floor plan(s) attached 
hereto as Exhibit "B," together with the nonexclusive right to use the Common 
Areas.  The square foot area of the Demised Premises, as well as the Building,
(1) shall be computed based upon the BOMA-American National Standard Z65.1-1996,
and shall contain a proportionate share of the Common Areas of the Building 
(6% on full floors and 12% on multi-tenant floors).

    2.3  Landlord reserves (a) the right from time to time to make changes,
alterations, additions, improvements, repairs or replacements in or to the
Building (including the Demised Premises) and the fixtures and equipment        
thereof, as well as in or to the street entrances, halls, passages, elevators,
escalators and stairways and other parts of the Building, and to erect,
maintain, and use pipes, ducts and conduits in and through the  Demised
Premises, all as Landlord may reasonably deem necessary or desirable, (b) the
right to eliminate, substitute and/or rearrange the Common Areas (which may
theretofore have been so designated) as Landlord deems appropriate in its
discretion and (c) the right from time to time to construct additional stories
onto the Building.(2)  Tenant's nonexclusive right to utilize the Common Areas
shall be in common with Landlord, other tenants and occupants of the Building
and others to whom Landlord grants such rights from time to time.  The
Development will contain parking based upon a ratio of five (5) parking spaces
for each One Thousand (1,000) square feet of usable premises in the Building.
In no event shall Tenant, its employees, customers, invitees and/or guests
utilize in excess of Tenant's allocable portion of such parking spaces.  SEE
ATTACHED RIDER.

3.  TERM.

    3.1  The Term shall commence on that date (hereinafter referred to as the
"Commencement Date") being the later to occur of the "Anticipated Commencement  
Date" set forth in Section 1(e) hereof and the date Landlord has substantially
completed the improvements to be constructed or installed by Landlord pursuant
to the  provisions  of  Exhibit "C" hereto  as


1-2 See Page 2A.





                                       2
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1   shall mean the rentable square foot area thereof, and

2   Exercise by Landlord of the rights reserved in this Section 2.3 shall not
    materially hinder, impair or impede Tenant's access to the Building and the
    Demised Premises or Tenant's ability to utilize the Demised Premises for the
    purposes the same are leased.





                                       2A
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provided in Section 4 hereof and, unless sooner terminated as hereinafter
provided, shall end on the "Expiration Date" set forth in Section 1(f) hereof;
provided, however, that if Tenant, with Landlord's prior written approval,
shall take occupancy of the Demised Premises for any purpose whatsoever prior
to the Commencement Date, as defined above, the Commencement Date shall be
deemed to have occurred on the earlier date Tenant takes such occupancy. SEE
ATTACHED RIDER.

    3.2  If Landlord, for any reason whatsoever, cannot deliver possession of
the Demised Premises to Tenant on the Anticipated Commencement Date, this Lease
shall not be void or voidable, nor shall Landlord be liable to Tenant for any   
loss or damage resulting therefrom, and the Expiration Date shall not
be affected.  Notwithstanding the foregoing, if possession of the  Demised
Premises has not been delivered to Tenant within (1) following  the Anticipated
Commencement Date, Tenant, at its option at any time within thirty (30) days
thereafter, but prior to the delivery of possession, may terminate this Lease
by and upon written notice to (2), and Landlord and Tenant shall thereupon be
released from all obligations under this Lease(3). 

4.  COMPLETION OF IMPROVEMENTS.

    (a)  Except as provided in Section 3.2 hereof, prior to the Anticipated
Commencement Date, Landlord shall complete the floor(s) on which the Demised    
Premises are located and shall construct or install in the Demised Premises the
improvements to be constructed or installed by Landlord pursuant to(4)
(hereinafter referred to as the "Standard Improvements").  Landlord 
shall not be required to incur overtime costs and expenses in performing such
construction and/or installation.

    (b)  With respect to the Standard Improvements, Tenant will furnish to
Landlord all information regarding its partition, electrical and telephone
requirements  and all  other  pertinent  data  by not  later  than  November 1,
1997.  Within five (5) days after Landlord's submission of working
drawings (5), Tenant shall approve same in writing.

    If there are any changes requested by Tenant, after completion(6) of the
plans and specifications for the Standard Improvements and/or any additional    
improvements required by Tenant (hereinafter referred to as "Tenant's Plan"), 
Tenant will be responsible for all (7) architectural and engineering costs and 
related expenses resulting from such changes.  No changes will be made
without written approval of Landlord after written request of Tenant.

    (c)  In the event Tenant desires to have improvements installed in the
Demised Premises in addition to or in lieu of the improvements provided for in
Tenant's Plans, Tenant shall so advise Landlord and submit to Landlord at least
ninety (90) days' prior to the Anticipated Commencement Date, complete plans
and specifications for such improvements.  Tenant shall(8) cause
such plans and specifications to be revised in order to comply with Landlord's
(7) comments to such plans and specifications.  Upon approval of such plans and
specifications by Landlord, Landlord shall advise Tenant of the cost of
constructing and installing such improvements, and upon approval of such 
costs (9) Landlord will commence construction and installation of such
improvements; provided, however, that Tenant may revise such plans in order to
reduce such costs, subject to Landlord's approval.  Tenant shall be responsible
for all costs resulting from such additional work, including architectural and
engineering charges.(10)  Notwithstanding anything contained to the contrary,
if Tenant shall request any changes or modification to the plans and
specifications after the approval thereof by Landlord, or if Tenant does not
timely submit such plans and specifications or revisions thereof, or if such
plans and specifications require materials which are not readily available or
require long lead time, or if the completion of such construction and
installation is delayed for any other reason attributable to Tenant including
its failure to pay for the same as provided in Paragraph 4(d) hereof,(11) the
Commencement Date shall not be delayed or postponed as a result thereof and the
Commencement Date shall be the date which Landlord determines (12) that the
Demised Premises would have been ready but for such delays, even if the Demised
Premises is not completed on the Commencement Date.


1-12  See Page 3A





                                       3
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1   six (6) months

2   Landlord

3   and all payments made by Tenant to Landlord prior to such termination shall
    be immediately refunded to Tenant.

4   the Rider to this Section 4

5   prepared in accordance with the Rider to this Section 4 and Tenant's
    requirements,

6   and Tenant's approval

7   reasonable

8   promptly

9   by Tenant

10  which exceed the Tenant Allowance described in the attached Rider.

11  and provided the delay in completing such construction is due solely to the
    actions or failure to act of Tenant,

12  in good faith





                                       3A
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    (d)  The cost of all improvements to the Demised Premises over and above
the (1) shall be paid by Tenant as follows: (i) one-half (l/2) of such
amount within ten (10) days after the approval of Tenant's plans and
specifications by Landlord and the submission of the costs to Tenant, and (iii)
the balance of such amount prior to occupancy of the Demised Premises by
Tenant. In no event shall Landlord be required to commence or continue such
work if Tenant defaults in its obligation to make the payments herein required.

    (e)  The Demised Premises shall be deemed completed and possession
delivered to Tenant when Landlord has substantially completed its improvements
subject only to the completion of (2)details of construction, decorations and
mechanical adjustments which do not materially interfere with Tenant's use of 
the Demised Premises, and Tenant shall accept the same (3) notice from
Landlord that such improvements have been so completed.  If any dispute shall
arise as to whether Landlord has completed its improvements, a certificate
furnished by Landlord's architect certifying(4) the date of such completion 
shall be conclusive and binding of that fact and date upon Landlord and Tenant.
SEE ATTACHED RIDER.

5.  RENTAL.

    5.1  Tenant shall pay to Landlord as rental for the Demised Premises the
Basic Rental set forth in Section 1(g) hereof, which shall be payable in        
equal monthly installments in advance, together with the rentals provided  for
in Section 5.3 hereof.

    5.2  The following terms shall have the following meanings.

         (a) The term "Expenses" shall mean the actual cost incurred by Landlord
    with respect to the operation, maintenance, repair and replacement and
    administration of the Development, including, without limitation or
    duplication, (1) the costs incurred for air conditioning; mechanical        
    ventilation; heating; cleaning (including janitorial services); rubbish
    removal; snow removal; general landscaping and maintenance; window washing, 
    elevators, escalators, porter and matron services, electric current for the
    Common Areas; management fees(5); protection and security services; 
    repairs, replacement, and maintenance; fire, extended coverage, boiler,
    sprinkler, apparatus, public liability and property damage insurance
    (including loss of rental income insurance); supplies; wages, salaries,
    disability  benefits, pensions, hospitalization, retirement plans and group
    insurance respecting service and maintenance employees and management
    staff(6); uniforms and working clothes for such employees and the
    cleaning thereof; expenses imposed pursuant to any collective bargaining
    agreement with respect to such employees; payroll, social security,
    unemployment and other similar taxes with respect to such employees and
    staff; sales, use and other similar taxes; Landlord's Michigan Single
    Business Tax, water rates and sewer charges and personal property taxes;
    advertising, public relations and promotions; depreciation of movable
    equipment and personal property, which is, or should be, capitalized on the
    books of Landlord, and the cost of movable equipment and personal property,
    which need not be so capitalized, as well as the cost of maintaining all
    such movable equipment, and any other costs, charges and expenses which,
    under generally accepted accounting principles and practices, would be
    regarded as maintenance and operating expenses, and (2) the cost of any
    capital improvements made to the Development by Landlord after the
    Commencement Date that are intended to reduce other Expenses, or made to
    the Development by Landlord after the date of this Lease that are required
    under any governmental law or regulation that was not applicable to the
    Development at the time it was constructed, such cost to be amortized over
    such reasonable period as Landlord shall determine(7), together with
    interest on the unamortized balance at the rate of two percent (2%) in
    excess of the then current "prime rate" of National Bank of Detroit (as
    defined in Section 5.5 hereof) or such higher rate as may have been paid by
    Landlord on funds borrowed for the purpose of constructing such capital
    improvements.  Expenses shall not include "Taxes," as defined in Section
    5.2(d) hereof; depreciation on the Building other than depreciation on
    standard exterior window coverings provided by Landlord and carpeting in
    Common Areas and other than as set forth above; costs of  services or
    repairs, replacements  and maintenance which are


1-7 See Page 4A





                                       4
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1   Tenant Allowance

2   minor

3   seven (7) days after

4   to Tenant

5   (not to exceed five percent (5%) of gross rentals)

6   prorated with respect to time actually devoted to the Development

7   in accordance with GAAP





                                       4A
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    paid for by proceeds of insurance, by other tenants (in a manner other than
    as provided in Section 5.3 hereof), or third parties; or tenant 
    improvements, real estate brokers' commissions, interest and capital
    items other than replacements and those referred to in clause (2) above.


         The Expenses shall be adjusted to equal Landlord's reasonable estimate
    of Expenses had the total Building been occupied and had the total Building 
    been furnished all services.

         Landlord shall have the right to aggregate the Expenses relating to the
    exterior Common Areas serving the Building and the exterior common areas    
    serving 19675 Ten Mile and  24800 Northwestern and allocate such Expenses
    between the Building and said other buildings on a reasonable and equitable
    basis.

         (b) The term "Base Expenses" shall mean the Expenses for the  1998 
    calendar year.

         (c) The term "Additional Expenses" shall mean the total dollar
    increases,  if any, over the Base Expenses paid or incurred by      
    Landlord in (1) year.  SEE ATTACHED RIDER.

         (d) The term "Taxes" shall mean the amount incurred by Landlord of all
    ad valorem real property taxes and assessments, special or otherwise,
    levied upon or with respect to the Development, or the rent and additional
    charges payable hereunder, imposed by any taxing authority having 
    jurisdiction.  Taxes shall also include all taxes, levies and charges which
    may be assessed, levied or  imposed in replacement of, or in addition to, 
    all or any part of ad valorem real property taxes as revenue sources, and 
    which in whole or in part are measured or calculated by or based upon the 
    Development, the freehold and/or leasehold estate of Landlord or Tenant, or
    the rent and other charges payable hereunder.  Taxes shall include any 
    expenses incurred by Landlord in determining or attempting to obtain a 
    reduction of Taxes.

         (e) The term "Base Taxes" shall mean the 1998 real estate tax rate
    applicable to the Development multiplied by (2) the assessed  valuation of
    the Development determined by the City of Southfield as of December 31,
    1998, or as finally determined in the event Landlord appeals such
    assessment.

         (f) The term "Additional Taxes" shall mean the total dollar increase,
    if any, over the Base Taxes paid or incurred by Landlord in the
    respective calendar year.

         (g) The term "Tenant's Share" shall mean the percentage set forth in
    Section 1(h) hereof.  Tenant's Share has been computed on the basis of      
    the square foot area of the (3) Demised Premises divided by the total
    leasable  square foot area of the Building (including the Demised
    Premises (4)).  In the event the square foot area of the Demised Premises 
    or the leasable square foot area of the Building shall be determined to
    differ from that utilized in computing Tenant's Share, Tenant's Share shall
    be adjusted accordingly.

    5.3  (a) Tenant shall pay to Landlord as additional rental Tenant's Share
of Additional Expenses and Additional Taxes in the manner and at the times      
herein provided.

         (b)  With respect to Additional Expenses and Additional Taxes, 
prior to the beginning of each calendar year (5), or as soon thereafter
as practicable, Landlord shall give Tenant notice of Landlord's estimate of
Tenant's Share of Additional Expenses  and Additional Taxes for the ensuing
calendar year.  On or before the first day of each month during the ensuing
calendar year, Tenant shall pay to Landlord one-twelfth (1/12th) of such
estimated amounts, provided that until such notice is given with respect to the
ensuing calendar year, Tenant shall continue to pay the amount currently
payable pursuant hereto until after the month such notice is given.  If at any
time or times (including, without limitation, upon Tenant taking occupancy of
the Demised Premises) it appears to Landlord that Tenant's Share of Additional
Expenses or Tenant's Share of Additional Taxes for the then current


1-5 See Page 5A





                                       5
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1   the respective calendar

2   ninety-five percent (95%) of

3   Office Premises of the

4   but excluding the Basement of the Building

5   commencing January 1, 1999,





                                       5A
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calendar year will vary from Landlord's estimate by more than five percent
(5%), Landlord may, by notice to Tenant, revise its estimate for such year and
subsequent payments by Tenant for such year shall be based upon such revised
estimate.

         Within ninety (90) days after the close of each calendar year, or as
soon after such ninety (90) day period as practicable, Landlord shall deliver
to Tenant a statement prepared by Landlord of Tenant's Share of Additional
Expenses and Additional Taxes, respectively, for such calendar year. 
If on the basis of either of such statements, Tenant owes an amount
that is less than the estimated payments for such calendar year previously made
by Tenant, Landlord shall credit such excess amount against the next payment(s)
due from Tenant to Landlord of Additional Expenses or Additional Taxes, as the
case may be.  If on the basis of such statement, Tenant owes an amount that is
more than the estimated payments for such calendar year previously made by
Tenant, Tenant shall pay the deficiency to Landlord within (1) days
after delivery of such statement.  SEE ATTACHED RIDER.

         (c) If this Lease shall terminate on a day other than the last day of 
a calendar year, Tenant's Share of Additional Expenses and/or Additional Taxes 
that is applicable to the calendar year in which such termination shall occur 
shall be prorated on the basis of the number of calendar days within such year 
as are within the Term.

    5.4  Basic Rental shall be paid to Landlord on or before the first day of 
each and every calendar month in advance during the Term.  In the event the 
Commencement Date is other than the first day of a calendar month, or the 
Expiration Date is other than the last day of the calendar month, then the 
monthly rental for the first and last fractional months of the Term shall be 
appropriately prorated.

    5.5  Tenant shall pay as additional rental any money and charges required
to be paid by Tenant pursuant to the terms of this Lease, whether or not        
the same may be designated "additional rent."

    5.6  Except as above provided, rental and additional rental shall be paid
to Landlord without notice or demand and without deduction or offset, in lawful
money of the United States of America at Landlord's address for notices
hereunder or to such other person or at such other place as Landlord may from   
time to time designate in writing.  All amounts payable by Tenant to Landlord
hereunder, if not paid when due, shall be subject to an administrative late
charge of five percent (5%) of the amount due and, in addition, shall bear
interest from the due date until paid at the rate equal to two percent (2%) in
excess of the then current "prime rate" of NBD Bank, but not in excess of the
legal rate.  Such prime rate shall be the rate announced by such Bank as its
"prime rate"; if no such prime rate is announced, the prime rate shall be
deemed to be fifteen percent (15%).  SEE ATTACHED RIDER.

6.  OTHER TAXES PAYABLE BY TENANT.

    In addition to the monthly rental and other charges to be paid by Tenant
hereunder, Tenant shall reimburse Landlord upon demand for any and all taxes
payable by Landlord (other than net income taxes and taxes included within      
Taxes) whether or not now customary or within the contemplation of the parties
hereto:  (a) upon, measured by or reasonably attributable to the cost or
value of Tenant's equipment, furniture, fixtures and other personal property
located in the Demised Premises (b) upon or with respect to the possession, 
leasing, operation, management, maintenance, alteration, repair, use or
occupancy by Tenant of the Demised Premises or any portion thereof; and (c)
upon this transaction or any document to which Tenant is a party creating or
transferring an interest or an estate in the Demised Premises.  In the event
that it shall not be lawful for Tenant so to reimburse Landlord, the monthly
rental payable to Landlord under this Lease shall be revised to


1  thirty (30)





                                       6
<PAGE>   11

net to Landlord the same rental after imposition of any such tax upon Landlord
as would have been payable to Landlord prior to the imposition of any such tax.

7.  USE.

    7.1  The Demised Premises shall be used only for the purposes of "Tenant's  
Use" as set forth in Section 1(i) hereof, and for no other purpose or   
purposes whatsoever.  SEE ATTACHED RIDER.

    7.2  Tenant shall not do or permit to be done in or about the Demised
Premises, nor bring or keep or permit to be brought or kept therein, anything
which is prohibited by or will in any way conflict with any law, statute,       
ordinance or governmental rule or regulation now in force or which may
hereafter be enacted or promulgated, or which is prohibited by  the standard
form of fire insurance policy, or will in any way increase the existing rate of
or affect any fire or other insurance upon the Building or any of its contents,
or cause a cancellation of any insurance policy covering the Building or any
part thereof or any of its contents, or adversely affect or interfere with any
services required to be furnished by Landlord to Tenant, or to any other
tenants or occupants of the Building, or with the proper and economical
rendition of any such service.  Tenant shall not do or permit anything to be
done in or about the Demised Premises which will in any way obstruct or
interfere with the rights of other tenants of the Building, or injure or annoy
them, or use or allow the Demised Premises to be used for any improper,
immoral, unlawful or objectionable purpose, nor shall Tenant cause, maintain or
permit any nuisance in, on or about the Demised Premises or commit or suffer to
be committed any waste in, on or about the Demised Premises.  If anything done,
omitted to be done or suffered to be done by Tenant, or kept or suffered by
Tenant to be kept in, upon or about the Demised Premises shall cause the rate
of fire or other insurance on the Building in companies acceptable to Landlord
to be increased beyond the minimum rate from time to time applicable to the
Building,(1) Tenant shall pay the amount of any such increases.  Tenant shall 
not cause or permit the use, generation, storage or disposal in or about the
Demised Premises or the Building of any substances, materials or wastes(2)
subject to regulation under federal, state or local laws from time to time in
effect concerning hazardous, toxic or radioactive materials, unless Tenant
shall have received Landlord's prior written consent, which Landlord may
withhold or at any time revoke in its sole discretion.

8.  SERVICES.

    8.1  Landlord shall maintain the Common Areas including any (3) lobbies,
stairs, elevators, corridors and restrooms, together with the windows and
exterior walls, roofs, foundations and structure itself of the Building and the
mechanical, plumbing and electrical equipment servicing the Building, in
good order and condition as reasonably determined by Landlord and the cost
shall be included in Expenses, except for the repairs due to fire and other
casualties (to the extent the cost of such repairs are covered by insurance
proceeds) and for the repair of damages occasioned by the acts or omissions of
Tenant (4), which Tenant shall pay to Landlord in full.

    8.2  Landlord will arrange for the furnishing of electricity to the Demised
Premises, and Landlord shall elect either: (i) to charge Tenant for electricity
as determined by metering at the applicable secondary rates filed by Landlord
with the proper regulating authorities in effect from time to time covering
such services, but not more than the secondary rates which would be charged
to Tenant by the public utility company, or Such charge to Tenant for
electricity shall be payable in monthly installments together with Basic Rental
in the amount invoiced to Tenant.  Notwithstanding anything herein contained to 
the contrary, Landlord reserves the right to terminate the furnishing of 
electricity at any time upon thirty (30) days' notice to Tenant, in which event 
Tenant shall make  application  directly to the utility company servicing the 
Building


1-4 See Page 7A





                                       7
<PAGE>   12



1  as certified in writing thereto by Landlord's insurer

2  other than normal and typical office supplies and equipment

3  parking areas, walkways, landscaping,

4  which are not covered by insurance,





                                       7A
<PAGE>   13

for Tenant's separate supply of electric current, and Landlord shall permit its
wires and conduits to be used for such purposes, to the extent available and
capable of being used safely.(1)

    8.3  Landlord shall furnish the Demised Premises with (a) heat, ventilation 
and air conditioning to the extent required for the occupancy of the Demised
Premises to standards of comfort and during such hours in each case as
reasonably determined by Landlord for the Building (which hours, until Landlord
shall otherwise designate, shall be from 8:00 a.m. to 6:00 p.m. on      
weekdays and from 8:00 a.m. to 12:00 p.m. on Saturdays; in each case except
holidays), or as may be prescribed by any applicable policies or regulations
adopted by any utility or governmental agency, (b) elevator service, and (c)
janitorial service in accordance with Exhibit "D" hereto during the times and 
in the manner that services are furnished in comparable first class office
buildings in the area, provided that Landlord shall (2) janitorial services to
any portion of the Demised Premises used for other than office purposes such as
preparing, dispensing or consumption of food or beverages or as an exhibition
area or for storage, shipping room, washroom or similar purposes, or as private
restrooms or a shop or for the operation of computer data processing,
reproduction, duplicating or similar equipment.  In addition, Landlord shall
replace all burned out fluorescent (only) tubes, ballasts and starters, and
Tenant shall be billed therefor.  Landlord shall not be in default hereunder or
be liable for any damages directly or indirectly resulting from, nor shall the
rental herein reserved by abated by reason of:  (1) the installation, use or
interruption of use of any equipment in connection with the furnishing of any
of the foregoing services, (2) failure to furnish or delay in furnishing any
such services when such failure or delay is caused by accident or any condition
beyond the reasonable control of Landlord or by the making of necessary repairs
or improvements to the Demised Premises or to the Building, or (3) any
limitation, curtailment, rationing or restriction on use of water, electricity,
steam, gas or any other form of energy serving the Demised Premises or the
Building. Landlord shall use reasonable efforts diligently to remedy any
interruption in the furnishing of such services.  Notwithstanding the
provisions of this Section 8.3, Landlord shall not be required to provide
ventilation and air conditioning to the Demised Premises as herein provided if
Tenant shall utilize in the Demised Premises heat generating equipment or
lighting other than building standard lights which affect the temperature
otherwise maintained by the air conditioning system or if the Demised Premises
are occupied by a number of persons in excess of the design criteria of the air
conditioning system. SEE ATTACHED RIDER.

    8.4  Tenant shall pay as additional rent the (3) of providing all
heating, ventilating and air conditioning, including all (3) associated
with the installation of meters for measuring the same, to the Demised Premises
in excess of that required for normal office use or during hours requested
by Tenant when heating, ventilating and air conditioning is not otherwise
furnished by Landlord.  Tenant shall notify Landlord in writing at least
twenty-four (24) hours prior to the time it requires heating, ventilating and
air conditioning during periods the same are not otherwise furnished by
Landlord.  Notwithstanding the foregoing, Landlord shall only be required to
provide heating, ventilating and air conditioning to the extent available
utilizing the existing equipment servicing the Building.

9.  ALTERATIONS AND REPAIRS.

    9.1  Tenant shall not make or suffer to be made any alterations, additions
or improvements to or of the Demised Premises or any part thereof, or attach
any fixtures or equipment thereto, without first obtaining Landlord's
consent (4).  All such alterations, additions and improvements shall be
performed by contractors and subject to conditions specified by Landlord.  If
any such alterations, additions or improvements to the Demised Premises
consented to by Landlord shall be made by Landlord for Tenant's account, Tenant
shall reimburse Landlord for the cost thereof (including a reasonable charge
for Landlord's overhead related thereto(5)) as the work proceeds within five
(5)  days after receipt of statements therefor.  All such alterations,
additions and  improvements shall become the property of Landlord upon their
installation and/or completion and shall remain on the Demised Premises upon
the expiration or termination of this Lease without compensation to Tenant
unless Landlord elects by notice to Tenant to have Tenant remove the same(6),
in which event Tenant shall promptly restore the Demised Premises to their
condition prior to the installation of such alterations, additions and
improvements.(7)



1-7 See Page 8A





                                       8
<PAGE>   14



1   Notwithstanding the foregoing, Tenant shall not suffer any interruption in
    service or any extraordinary charges as a result of the termination of such
    services by Landlord or the supply of such services by the utility company.

2   only provide Building Standard

3   actual costs of Landlord

4   which consent shall not be unreasonably withheld with respect to
    nonstructural alterations, additions or improvements which do not affect
    building systems.

5   not to exceed fifteen percent (15%)

6   (excluding, however, any improvements installed pursuant to Article 4
    hereof, which Tenant shall not be required to remove)

7   Notwithstanding the foregoing, at Tenant's request, Landlord shall advise
    Tenant at the time it consents to such installation, if Tenant will be
    required to remove the same.





                                       8A
<PAGE>   15

    9.2  Subject to the provisions of Section 8.1 hereof, Tenant shall keep the
Demised Premises and every part thereof in good condition and repair, Tenant
hereby waiving all rights to make repairs at the expense of Landlord or in lieu 
thereof to vacate the Demised Premises (1) as provided by any law, statute or
otherwise now or hereafter in effect.  All repairs made by or on behalf of
Tenant shall be made and performed in such manner as Landlord may designate, by
contractors or mechanics approved by Landlord and in accordance with the rules
relating thereto annexed to this Lease as Exhibit "E" and all applicable laws
and regulations of governmental authorities having jurisdiction.  Tenant shall,
subject to the provisions of Section 9.1 hereof, at the end of the term hereof
surrender to Landlord the Demised Premises in the same condition as when
received, ordinary wear and tear and damage by fire, earthquake, act of God, (2)
or the elements excepted.  Landlord has no obligation and has made no promise
to alter, remodel, improve, repair, decorate or paint the Demised Premises
or any part thereof and no representations respecting the condition of the
Demised Premises or the Building have been made by Landlord to Tenant except as
expressly set forth herein.

10. LIENS.

    Any mechanic's lien filed against the Demised Premises or the Building for
work claimed to have been done or materials claimed to have been furnished to
Tenant shall be discharged by Tenant within (3) days thereafter (4)  For 
the purposes hereof, the bonding of such lien by a reputable casualty or
insurance company reasonably satisfactory to Landlord shall be deemed the
equivalent of a discharge of any such lien.  Should any action, suit, or
proceeding be brought upon any such lien for the enforcement or foreclosure of
the same, Tenant shall defend Landlord therein, by counsel satisfactory to
Landlord, and pay any   damages and satisfy and discharge any judgment entered
therein against Landlord.

11. DESTRUCTION OR DAMAGE.

    11.1  In the event the Demised Premises or any portion of the Building
necessary for Tenant's occupancy are damaged by fire, earthquake, act of God,
the elements or other casualty in each case insured against by  Landlord's fire 
and extended coverage insurance policy covering the Building and, if Landlord's
reasonable estimate of the cost of making such repairs does not exceed the
proceeds of such insurance by more than One Hundred Thousand Dollars
($100,000), Landlord shall forthwith repair the same if such repairs can, in
Landlord's opinion, be completed within (5) days after (6).  This Lease shall 
remain in full force and effect except that an abatement of Basic Rental shall 
be allowed Tenant for such part of the Demised Premises as shall be rendered 
unusable by Tenant in the conduct of its business during the time such part is 
so unusable.  If such repairs cannot, in Landlord's opinion, be made within (5)
days, or if such damage or destruction is not insured against by Landlord's 
fire and extended coverage insurance policy covering the Building or if
Landlord's reasonable estimate of the cost of making such repairs exceeds the
proceeds of such insurance by more than One Hundred Thousand Dollars
($100,000), Landlord may elect, upon notice to Tenant within thirty (30) days
after the date of such fire or other casualty, to repair or restore such
damage, in which event this Lease shall continue in full force and effect, but
the Basic Rental shall be partially abated as provided in this Section 11.1. 
If Landlord elects not to make such repairs, this Lease shall terminate as of
the date of such election by Landlord.  SEE ATTACHED RIDER.

    11.2  A total destruction of the Building shall automatically terminate this
Lease.

    11.3  If the Demised Premises are to be repaired under this Article 11,
Landlord shall repair at its cost any injury or damage to the Building itself
and building standard tenant improvements in the Demised Premises to    be      
constructed or installed by Landlord as set forth in Exhibit "C."  Tenant shall
perform and pay the cost of repairing any other improvement in the Demised
Premises and shall be responsible for carrying such casualty insurance as it
deems appropriate with respect to such other tenant improvements.

12. SUBROGATION.

    Landlord and Tenant shall each obtain from their respective insurers under
all policies of fire insurance maintained by either of them at any time 
during the Term insuring or covering the


1-6 See Page 9A





                                       9
<PAGE>   16



1   except as otherwise

2   insurable casualty

3   thirty (30)

4   provided, if Landlord's mortgagee, prospective mortgagee or purchaser of the
    Development does not object thereto, Tenant shall have forty-five (45) days
    to remove the same.

5   one hundred eighty (180)

6   the occurrence of the damage.





                                       9A
<PAGE>   17

Building or any portion thereof or operations therein, a waiver of all rights
of subrogation which the insurer of one party might have against the other
party, and Landlord and Tenant shall each indemnify the other against any loss
or expense, including reasonable attorneys' fees, resulting from the failure to
obtain such waiver and, so long as such waiver is outstanding, each party
waives, to the extent of the proceeds received under such policy, any right of
recovery against the other party for any loss covered by the policy containing
such waiver; provided, however, that if at any time their respective insurers
shall refuse to permit waivers of subrogation, Landlord or Tenant, in each
instance, may revoke said waiver of subrogation effective thirty (30) days from
the date of such notice, unless within such thirty (30) day period, the other
is able to secure and furnish (without additional expense) equivalent insurance
with such waivers with other companies satisfactory to the other party.

13. EMINENT DOMAIN.

    If all or any part of the Demised Premises shall be taken as a result of
the exercise of the power of eminent domain, this Lease shall terminate as to
the part so taken as of the date of taking, and, in the case of partial
taking,(1) either Landlord or Tenant shall have the right to terminate  this
Lease as to the balance of the Demised Premises by notice to the other within
thirty (30) days after such date; provided, however, that a condition to the
exercise by Tenant of such right to terminate shall be that the portion of the
Demised Premises(2) taken shall be of such extent and nature (3) substantially
handicap, impede or impair Tenant's use of the balance of the Demised Premises. 
In the event of any taking, Landlord shall be entitled to any and all 
compensation, damages, income, rent, awards, or any interest therein whatsoever 
which may be paid or made in connection therewith, and Tenant shall have no
claim against Landlord for the value of any unexpired term of this Lease or
otherwise.  In the event of a partial taking of the Demised Premises which does
not result in a termination of this Lease, the rental thereafter to be paid
shall be reduced on a per square foot basis.  SEE ATTACHED RIDER.

14. LANDLORD'S INSURANCE.

    Landlord shall, during the Term, provide and keep in force or cause to be   
provided or kept in force:

    (a)  Comprehensive general liability insurance with respect to Landlord's   
operation of the Development for bodily injury or death and damage to   
property of others;

    (b)  Fire insurance (including standard extended coverage endorsement
perils  and leakage from fire protective devices) in respect of the Building, 
excluding Tenant's trade fixtures, equipment and personal property;

    (c)  Loss of rental income insurance;

together with such other insurance as Landlord, in its (4) discretion, 
elects to obtain.  Insurance effected by Landlord shall be in amounts which
Landlord shall from time to time determine reasonable and sufficient,
shall be subject to such deductibles and exclusions which Landlord may deem
reasonable and shall otherwise be on such terms and conditions as Landlord
shall from time to time determine reasonable and sufficient.  Tenant
acknowledges that Landlord's loss of rental income insurance may provide that
(i) payments thereunder by the insurer will be limited to a period of one year
following the date of any destruction and damage, and (ii) no insurance
proceeds will be payable thereunder in the case of destruction or damage caused
by any occurrence other than fire and other risks included in the standard
extended coverage endorsement perils of a fire insurance policy.(5)

15. INDEMNIFICATION AND TENANT'S INSURANCE.

    15.1  Tenant hereby waives all claims against Landlord for damage to any
property or injury or death of any person in, upon or about the Demised
Premises arising at any time and from any cause whatsoever, and Tenant shall
hold Landlord harmless from any damage to any property or injury to or death
of any person arising in, on or about the Demised Premises.  The


1-5 See Page 10A





                                       10
<PAGE>   18



1   of the Demised Premises or any material portion of the Common Areas

2   or the Common Areas

3   so as to

4   prudent business

5   At Tenant's request, Landlord shall deliver to Tenant copies of certificates
    of insurance evidencing compliance herewith.





                                      10A
<PAGE>   19

foregoing indemnity obligation of Tenant shall include reasonable attorneys'
fees, investigation costs and all other reasonable costs and expenses incurred
by Landlord from the first notice that any claim or demand is to be made or may
be made.  The provisions of this Section 15.1 shall survive the termination of
this Lease with respect to any damage, injury or death occurring prior to such
termination.  SEE ATTACHED RIDER.

    15.2  Tenant shall procure and keep in effect comprehensive general
liability insurance, including contractual liability, with minimum limits of
liability of One Million Dollars ($1,000,000) per occurrence for bodily injury
or death, and Two Hundred Fifty Thousand Dollars ($250,000) per occurrence for
property damage.  From time to time, Tenant shall increase the limits of such 
policies to such higher limits as Landlord shall reasonably require(1).
Such insurance shall name Landlord, Landlord's property manager (currently
Grubb & Ellis Real Estate Management) and Kojaian Management Corporation as
additional named insureds, shall specifically include the liability assumed
hereunder by Tenant, and shall provide that it is primary insurance and not
excess over or contributory with any other valid, existing and applicable
insurance in force for or on behalf of Landlord, and shall provide that
Landlord shall receive thirty (30) days' notice from the insurer prior to any
cancellation or change of coverage.

    15.3  Tenant shall procure and keep in effect fire insurance (including     
standard extended coverage endorsement perils and leakage from fire     
protective devices) for the full replacement cost of Tenant's trade fixtures,
equipment, personal property and leasehold improvements(2).

    15.4  Tenant shall deliver(3) policies of the insurance required pursuant to
Sections 15.2 and 15.3 hereof or certificates thereof to Landlord on or before  
the Commencement Date, and thereafter at least thirty (30) days before the
expiration dates of expiring policies.

16. COMPLIANCE WITH LEGAL REQUIREMENTS.

    Tenant shall promptly comply with all laws, statutes, ordinances and
governmental rules, regulations or requirements now in force or which may
hereafter be in force, with the requirements of any board of fire underwriters
or other similar body now or hereafter constituted, with any occupancy
certificate or directive issued pursuant to any law by  any public officer or
officers, as well as the provisions of all recorded documents affecting the
Demised Premises, insofar as any thereof relate to or affect the condition, use
or occupancy of the Demised Premises, excluding requirements of structural
changes not related to or affected by improvements made by or for Tenant or not
necessitated by Tenant's act.  SEE ATTACHED RIDER.

17. ASSIGNMENT AND SUBLETTING.

    17.1  Except as expressly permitted pursuant to this Article 17, Tenant
shall not, without the prior written consent of Landlord, assign, encumber or
hypothecate this Lease or any interest herein or sublet the Demised Premises or 
any part thereof, or permit the use of the Demised Premises by any party other
than Tenant.  This Lease shall not, nor shall any interest herein, be 
assignable as to the interest of Tenant by operation of law without the consent
of Landlord.  Sales aggregating fifty percent (50%) or more of the capital or
voting stock of Tenant (if Tenant is a nonpublic corporation) or transfers
aggregating fifty percent (50%) or more of Tenant's partnership interest (if
Tenant is a partnership) shall be deemed to be an assignment of this Lease. SEE
ATTACHED RIDER. 
    17.2  If at any time or from time to time during the term of this Lease, 
Tenant desires to sublet all or any part of the Demised Premises or to assign
this Lease, Tenant shall give notice to Landlord setting forth the proposed
subtenant or assignee, the terms of the proposed subletting and the space so
proposed to be sublet or the terms of the proposed assignment, as the
case may be.  Landlord shall have the option, exercisable by notice given to
Tenant within twenty (20) days after Tenant's notice is given, (a) if Tenant's
request relates to a subletting, either to sublet from Tenant such space at the
rental and other terms set forth in Tenant's notice, or, if the proposed
subletting is for the entire Demised Premises for the balance of the Term, to
terminate this Lease or (b) if Tenant's request relates to an assignment,
either to have this Lease assigned to Landlord or to terminate this Lease.  If
Landlord does not exercise such option, Tenant shall be free for a period of
one hundred eighty (180) days thereafter to sublet such space or to assign this
Lease to  such third party if  Landlord  shall consent thereto,  provided that
the sublease or assignment


1-3 See Page 11A





                                       11
<PAGE>   20



1   in accordance with industry standards.

2   paid for by Tenant

3   copies of





                                      11A
<PAGE>   21

shall be on the same terms set forth in the notice given to Landlord and that
the rental to such subtenant or assignee shall not be less than the then market
rate for such premises.

    In the event Tenant shall so sublet a portion of the Demised Premises, or
assign this Lease,(1) all of the sums or other economic consideration received
by Tenant as a result of such subletting or assignment whether denominated      
rentals or otherwise, under the sublease or assignment, which exceed in the
aggregate, the total sums which Tenant is obligated to pay Landlord under this
Lease (prorated to reflect obligations allocable to that portion of the Demised
Premises subject to such sublease) shall be payable to Landlord as additional
rental under this Lease without affecting or reducing any other obligation of
Tenant hereunder.

    17.3  Notwithstanding the provisions of Sections 17.1 and 17.2 hereof,
Tenant may assign this Lease or sublet the Demised Premises or any portion
thereof, without Landlord's consent and without extending any option to
Landlord, to any corporation which controls, is controlled by or is under
common control with Tenant, or to any corporation resulting from the merger or
consolidation with Tenant, or to any person or entity which acquires all the
assets of Tenant as a going concern of the business that is being conducted on
the Demised Premises, provided that said assignee assumes, in full, the
obligations of Tenant under this Lease.

    17.4  Regardless of Landlord's consent, no subletting or assignment shall
release Tenant of Tenant's obligation or alter the primary liability of
Tenant to pay the rental and to perform all other obligations to be   
performed by Tenant hereunder,(2)  The acceptance of rental by Landlord from
any other person shall not be deemed to be a waiver by Landlord or any
provision hereof. Consent to one assignment or subletting shall not be deemed
consent to any subsequent assignment or subletting.  In the event of default of
any of the terms hereof, Landlord may proceed directly against Tenant without
the necessity of exhausting remedies against such assignee or successor. 
Landlord may consent to subsequent assignments or subletting of this Lease or
amendments or modifications to this Lease with assignees of Tenant, (3) Tenant, 
or any successor of Tenant, and (4) obtaining its or their consent thereto and 
such action shall not relieve Tenant of liability under this Lease.(5)

    17.5  In the event Tenant shall assign this Lease or sublet the Demised
Premises or request the consent of Landlord to any assignment or subletting     
or if Tenant shall request the consent of Landlord for any act that Tenant
proposes to do, then Tenant shall pay Landlord's reasonable attorneys' fees and
processing fees incurred in connection therewith,(6)

18. RULES.

    Tenant shall faithfully observe and comply with the rules and regulations   
annexed to this Lease as Exhibit "E" and, after notice thereof, all     
reasonable modifications thereof and additions thereto from time to time
promulgated in writing by Landlord,(7)  Landlord shall not be responsible to
Tenant for the nonperformance by any other tenant or occupant of the Building
of any of such rules and regulations.

19. ENTRY BY LANDLORD.

    19.1  Landlord and its designees may enter the Demised Premises at
reasonable hours(8) to (a) inspect the same, (b) exhibit the same to    
prospective purchasers, lenders or tenants, (c) determine whether Tenant is
complying with all of its obligations hereunder, (d) supply janitor service and
any other services to be provided by Landlord to Tenant hereunder, (e) post
notices of nonresponsibility, and (f) make repairs required of Landlord under
the terms hereof or repairs to any adjoining space or utility services or make
repairs, alterations or improvements to any other portion of the Building;
provided, however, that all such work shall be done as promptly as  reasonably
possible. Tenant  hereby waives  any  claim  for  damages  for  any  injury  or
inconvenience to or interference with Tenant's business, any loss of occupancy
or quiet enjoyment of the Demised Premises or any other loss occasioned by such
entry.  SEE ATTACHED RIDER. 

    19.2  Landlord shall at all times have and retain a key with which to
unlock all of the doors in, on or about the Demised Premises (excluding 
Tenant's vaults, safes and similar areas designated  in writing by  Tenant in
advance); and Landlord  shall have  the right to use any and

1-8 See Page 12A





                                       12
<PAGE>   22



1   fifty percent (50%) of

2   unless Tenant is expressly released in writing by Landlord.

3   upon notice to

4   after

5   If Tenant does not consent thereto, Tenant shall remain liable under this
    Lease without regard to such amendment or modification.

6   but not to exceed One Thousand and 00/100 Dollars ($1,000.00).

7   and delivered to Tenant.

8   upon reasonable prior notice (except in the case of an emergency)





                                      12A
<PAGE>   23

all means which Landlord may deem proper to open said doors in any emergency in
order to obtain entry to the Demised Premises, and any entry to the Demised
Premises obtained by Landlord by any of said means, or otherwise, shall not
under any circumstances be construed or deemed to be a forcible or unlawful
entry into or a detainer of the Demised Premises or an eviction, actual or
constructive, of Tenant from the Demised Premises, or any portion thereof.  

20. EVENTS OF DEFAULT.

    20.1  The occurrence of any one or more of the following events
(hereinafter referred to as "Events of Default") shall constitute a breach of
this Lease by Tenant: (a) if Tenant shall fail to pay the Basic Rental when and
as the same becomes due and payable(1); or (b) if Tenant shall fail to pay any 
other sum when and as the same becomes due and payable and such failure shall 
continue for more than ten (10) days(2); or (c) if Tenant shall fail to 
perform or observe any other term hereof or of the rules and regulations 
referred to in Article 18 hereof to be performed or observed by Tenant, such 
failure shall continue for more than thirty (30) days after notice thereof from
Landlord, and Tenant shall not within such thirty (30) day period commence with
due diligence and dispatch the curing of such default, or, having so commenced,
shall thereafter fail or neglect to prosecute or complete with due diligence 
and dispatch the curing of such default; or (e) if Tenant shall 
make a general assignment for the benefit of creditors, or shall admit in
writing its inability to pay its debts as they become due or shall file a
petition in bankruptcy, or shall be adjudicated as insolvent or shall file a
petition in any proceeding seeking any reorganization, arrangements,
composition, readjustment, liquidation, dissolution or similar relief under any
present or future statute, law or regulation, or shall file an answer admitting
or fail timely to contest or acquiesce in the appointment of any trustee,
receiver or liquidator of Tenant or any material part of its properties; or (f)
if within ninety (90) days after the commencement of any proceeding against
Tenant seeking any reorganization, arrangement, composition, readjustment,
liquidation, dissolution or similar relief under any present or future statute,
law or regulation, such proceeding shall not have been dismissed, or if, within
ninety (90) days after the appointment without the consent of acquiescence of
Tenant, of any trustee, receiver or liquidator of Tenant or of any material
part of its properties, such appointment shall not have been vacated; or (g) if
this Lease or any estate of Tenant hereunder shall be levied upon under any
attachment or execution and such attachment or execution is not vacated within
ten (10) days.

    20.2  If, as a matter of law, Landlord has no right on the bankruptcy of 
Tenant to terminate this Lease, then, if Tenant, as debtor, or its trustee
wishes to assume or assign this Lease, in addition to curing or adequately      
assuring the cure of all defaults existing under this Lease on Tenant's part on 
the date of filing of the proceeding (such assurances being defined below),
Tenant, as debtor, or the trustee or assignee must also furnish adequate
assurances of future performance under this Lease (as defined below).  Adequate
assurance of curing defaults means the posting with Landlord of a sum in cash
sufficient to defray the cost of such a cure.  Adequate assurance of future
performance under this Lease means posting a deposit equal to three (3) months'
rent, including all other charges payable by Tenant hereunder, such as the
amounts payable pursuant to Article 5 hereof, and, in the case of an assignee,
assuring Landlord that the assignee is financially capable of assuming this
Lease, and that its use of the Demised Premises will not be detrimental to the
other tenants in the Building or Landlord.  In a reorganization under Chapter
11 of the Bankruptcy Code, the debtor or trustee must assume this Lease or
assign it within one hundred twenty (120) days from the filing of the
proceeding, or he shall be deemed to have rejected and terminated this Lease.

21. REMEDIES.

    If any of the Events of Default shall occur, then Landlord shall have the
following remedies:

    (a)  Landlord at any time after the Event of Default, at Landlord's option, 
may give to Tenant (3) notice of termination of this Lease, and in the event 
such notice is given, this Lease shall come to an end and expire (whether or 
not the Term shall have

1   and such failure continues for more than ten (10) days after written notice
2   after written notice to Tenant
3   requisition statutory





                                       13
<PAGE>   24

commenced) upon the expiration of such (1) but Tenant shall remain liable for 
damages as provided in Article 22 hereof.

    (b)  Either with or without terminating this Lease, Landlord may
immediately or at any time after the Event of Default or after the date
upon which this Lease shall expire, reenter the Demised Premises or any part
thereof, without notice, either by summary proceedings or by any other
applicable action or proceeding, (2) (without being liable to indictment, 
prosecution or damages therefor), and may repossess the Demised Premises and 
remove any and all of Tenant's property and effects from the Demised Premises.

    (c)  Either with or without terminating this Lease, Landlord may relet the
whole or any part of the Demised Premises from time to time, either in the name
of Landlord or otherwise, to such tenant or tenants, for such term or terms
ending before, on or after the Expiration Date, at such rental or rentals and   
upon such other conditions, which may include concessions and   free rent
periods, as Landlord, in its sole discretion, may determine.  In the event of
any such reletting, Landlord shall not be liable for the failure to collect any
rental due upon any such reletting, and no such failure shall operate to
relieve Tenant of any liability under this Lease or otherwise to affect any
such liability; and Landlord may make such repairs, replacements, alterations,
additions, improvements, decorations and other physical changes in and to the
Demised Premises as Landlord, in its sole discretion, considers advisable or
necessary in connection with any such reletting or proposed reletting, without
relieving Tenant of any liability under this Lease or otherwise affecting such
liability.

    (d)  Landlord shall have the right to recover the rental and all other
amounts payable by Tenant hereunder as they become due (unless and until        
Landlord has terminated this Lease) and all other damages incurred by Landlord
as a result of an Event of Default.

    (e)  The remedies provided for in this Lease are in addition to any other
remedies available to Landlord at law or in equity by statute or otherwise.

22. TERMINATION UPON DEFAULT.

    Upon termination of this Lease by Landlord pursuant to Article 21 hereof,
Landlord shall be entitled to recover from Tenant the aggregate of: (a) the
worth at the time of award of the unpaid rental which had been earned at the
time of termination; (b) the worth at the time of award of the amount by which
the unpaid rental which would have been earned after termination until the time
of award exceeds the then reasonable rental value of the Demised Premises
during such period; (c) the worth at the time   of the award of the amount by
which the unpaid rental for the balance of the term of this Lease after the
time of award exceeds the reasonable rental value of the Demised Premises for
such period; and (d) any other amount necessary to compensate Landlord for all
the detriment proximately caused by Tenant's failure to perform its obligations
under this Lease or which in the ordinary course of things would be likely to
result therefrom.  The "worth at the time of award" of the amounts referred to
in clauses (a) and (b) above is computed from the date such rent was due or
would have been due, as the case may be, by allowing interest at the rate of
two percent (2%) in excess of the prime rate of  National Bank of Detroit.  
The "worth at the time of award" of the amount referred to in clause (c) above
is computed by discounting such amount at the discount rate of the Federal
Reserve Bank of Chicago at the time of award, plus one percent (1%).

23. LANDLORD'S RIGHT TO CURE DEFAULTS.

    All covenants, terms and conditions to be performed by Tenant under any of
the terms of this Lease shall be at its sole cost and expense and without any
abatement of rental.  If Tenant shall fail to pay any sum of money, other than
Basic Rental, required to be paid by it hereunder or shall fail to perform any
other act on its part to be performed hereunder and such failure shall continue
for thirty (30) days after notice thereof by Landlord, Landlord may, but shall
not be obligated so to do, and without waiving or releasing Tenant from any
obligations of Tenant, make any such payment or perform any such other act on
Tenant's part to be made or performed as in this Lease provided.  All sums so
paid by Landlord and all necessary incidental costs shall be


1   statutory notice period

2   in accordance with law





                                       14
<PAGE>   25

deemed additional rental hereunder and shall be payable to Landlord on demand,
and Landlord shall have (in addition to any other right or remedy of Landlord)
the same rights and remedies in the event of the nonpayment thereof by Tenant
as in the case of default by Tenant in the payment thereof by Tenant as in the
case of default by Tenant in the payment of Basic Rental.  

24. ATTORNEYS' FEES.

    If (1) uses the services of an attorney in connection with (i) any
breach or default in the performance of any of the provisions of this Lease, in
order to secure compliance with such provisions or recover damages therefor, or
to terminate this Lease or evict Tenant, or (ii) any action brought by Tenant 
against Landlord, (2) shall reimburse (3) upon demand for any and all 
attorneys' fees and expenses so incurred by (3).

25. SUBORDINATION.

    25.1  This Lease is and shall be subject and subordinate, at all times, to
(a) the lien of any mortgage or mortgages which may now or hereafter affect the
Building, and to all advances made or hereafter to be made upon the security
thereof and to the interest thereon, and to any agreements at any time made
modifying, supplementing, extending or replacing any such mortgages, and
(b) any ground or underlying lease which may now or hereafter affect the
Building, including all amendments, renewals, modifications, consolidation,
replacements and extensions thereof.  Notwithstanding the foregoing, at the 
request of the holder of any of the aforesaid mortgage or mortgages or the 
lessor under the aforesaid ground or underlying lease, this Lease may be made 
prior and superior to such mortgage or mortgages and/or such ground or 
underlying lease.  SEE ATTACHED RIDER.

    25.2  At the request of Landlord, Tenant shall execute and deliver such
further instruments as may be reasonably required to implement the      
provisions of this Article 25.  Tenant hereby irrevocably, during the term
of this Lease, constitutes and appoints Landlord as Tenant's agent and
attorney-in-fact to execute any such instruments if Tenant shall failure or
refuse to execute the same within ten (10) days after notice from Landlord.

    25.3  If, as a condition of approving this Lease, Landlord's mortgagee
shall request reasonable modifications of this Lease, Tenant shall not  
unreasonably withhold or delay its agreement to such modifications, provided
that such modifications do not increase the obligations or materially and
adversely affect the rights of Tenant under this Lease.

26. MERGER.

    The voluntary or other surrender of this Lease by Tenant, or a mutual
cancellation hereof, shall not work a merger, and shall, at the option of       
Landlord, terminate all or any existing subleases or subtenancies, or may,      
at the option of Landlord, operate as an assignment to it of any or all such
subleases or subtenancies.

27. NONLIABILITY OF LANDLORD.

    27.1  In the event Landlord hereunder or any successor owner of the
Building shall sell or convey the Building, all liabilities and obligations on
the part of the original Landlord or such successor owner under this Lease 
accruing thereafter shall terminate, and thereupon all such liabilities and 
obligations shall be binding upon the new owner.  Tenant shall attorn to such 
new owner.(4)


1-4 See Page 15A





                                       15
<PAGE>   26



1   either party

2   the losing party

3   the prevailing party

4   provided that such new owner assumes all of the obligations of Landlord
    accruing thereafter (including, without limitation, obligations under this
    Lease with respect to the Security Deposit), subject to the terms of this
    Lease.





                                      15A
<PAGE>   27

    27.2  Landlord shall not be responsible or liable to Tenant for any loss or
damage that may be occasioned by or through the acts or omissions of persons
occupying adjoining areas or any part of the area adjacent to or connected with
the Demised Premises or any part of the Building or for any loss or damage
resulting to Tenant or his property from theft or a failure of the security
systems in the Building, or for any damage or loss of property within the
Demised Premises from any cause other than solely by reason of the gross
negligence or willful act of Landlord, and no such occurrence shall be deemed
to be an actual or constructive eviction from the Demised Premises or result in
an abatement of rental.

    27.3  If Landlord shall fail to perform any covenant, term or condition of
this Lease upon Landlord's part to be performed, and, if as a consequence of
such default, Tenant shall recover a money judgment against Landlord, such      
judgment shall be satisfied only against the right, title and interest of
Landlord in the building and out of rents or other income(1) from the building
receivable by Landlord, or out of the consideration received by Landlord from
the sale or other disposition of all or any part of Landlord's right, title and
interest in the Building, and neither Landlord nor any of the partners of
Landlord shall be liable for any deficiency.

28. ESTOPPEL CERTIFICATE.

    At any time and from time to time upon ten (10) days' prior request by
Landlord, Tenant will promptly execute, acknowledge and deliver to Landlord, a
certificate indicating (a) that this Lease is unmodified and in full force and
effect (or, if there have been modifications, that this Lease is in full force  
and effect, as modified, and stating the date and nature of each modification),
(b) the date, if any, to which rental and other sums payable hereunder have
been paid, (c) that no notice has been received by Tenant of any default which
has not been cured, except as to defaults specified in said certificate, and
(d) such other matters as may be reasonably requested by Landlord.  Any such
certificate may be relied upon by any prospective purchaser, mortgagee or
beneficiary under any deed of trust of the Building or any part thereof.

29. NO LIGHT, AIR OR VIEW EASEMENT.

    Any diminution or shutting off of light, air or view by any structure which 
may be erected on lands adjacent to the Building shall in no way affect this
Lease or impose any liability on Landlord.

30. HOLDING OVER.

    It is hereby agreed that in the event of Tenant holding over after the
termination of this Lease, thereafter the tenancy shall be from month to month
in the absence of a written agreement to the contrary, and Tenant shall pay to
Landlord a daily occupancy charge equal to (2)seven percent (7%) of the monthly 
rental under Paragraph 5 hereof for the last lease year (plus all other charges
payable by Tenant under this Lease) for each day from the expiration or
termination of this Lease until the date the Demised Premises are delivered in
the condition required herein, and Landlord's right to damages for such illegal
occupancy shall survive.

31. ABANDONMENT.

    If Tenant shall abandon or surrender the Demised Premises, or be
dispossessed by process of law or otherwise, any personal property belonging to
Tenant and left on the Demised Premises shall be deemed to be abandoned, or, 
at the option of Landlord, may be removed by Landlord at Tenant's expense.

32. SECURITY DEPOSIT.

    Upon the execution of this Lease, Tenant has deposited with Landlord the

"Deposit" in the amount set forth in Section 1(j) hereof.  The Deposit shall be 
held by Landlord as security for the faithful performance by Tenant.  If
Tenant fails to pay rent or other charges due hereunder, or otherwise defaults
with respect to any provision of this Lease, Landlord may, but shall have no
obligation to, use, apply or retain all or any portion of the Deposit for the
payment of any  rent or  other  charge in default  or for the payment of any
other sum to which Landlord


1   and/or insurance proceeds
2   five percent (5%)





                                       16
<PAGE>   28

may become obligated by reason of Tenant's default, or to compensate Landlord
for any loss or damage which Landlord may suffer thereby.  If Landlord so uses
or applies all or any portion of the Deposit, Tenant shall within ten (10) days
after demand therefor deposit cash with Landlord in an amount sufficient to
restore the deposit to the full amount thereof.  Landlord shall not be required
to keep the deposit separate from its general accounts.  If Tenant performs all
of Tenant's obligations hereunder, the Deposit or so much thereof as has not
theretofore been applied by Landlord, shall be returned, without payment of
interest or other increment for its use, to Tenant (or, at Landlord's option,
to the last assignee, if any, of Tenant's interest hereunder) at the expiration
of the Term, and after Tenant has vacated the Demised Premises.  No trust
relationship is created herein between Landlord and Tenant with respect to the
Deposit.  SEE ATTACHED RIDER.  

33. WAIVER.

    33.1  The waiver by Landlord of any agreement, condition or provision
herein contained shall not be deemed to be a waiver of any subsequent breach of
the same or any other agreement, condition or provision herein contained, nor
shall any custom or practice which may grow up between the parties in the
administration of the terms hereof be construed to waive or to lessen the right
of Landlord to insist upon the performance by Tenant of the terms hereof in     
strict accordance with said terms.  The subsequent acceptance of rental
hereunder by Landlord shall not be deemed to be a waiver of any preceding
breach by Tenant of any agreement, condition or provision of this Lease, other
than the failure of Tenant to pay the particular rental so accepted, regardless
of Landlord's knowledge of such preceding breach at the time of acceptance of
such rental.

    33.2  Landlord and Tenant hereby waive trial by jury in any action,
proceeding, or counterclaim brought by Landlord or Tenant against the other on
any matter whatsoever arising out of or in any way connected with this  Lease,
the relationship of Landlord to Tenant, the use or occupancy of the Demised
Premises by Tenant or any person claiming through or under Tenant, any claim of
injury or damage, and any emergency or other statutory remedy; provided,
however, the foregoing waiver shall not apply to any action for personal injury
or property damage.  If Landlord commences any summary or other proceeding for
nonpayment of rent or the recovery of possession of the Demised Premises,
Tenant shall not interpose any counterclaim of whatever nature or description
in any such proceeding, unless the failure to raise the same would constitute a
waiver thereof.

34. NOTICES.

    All notices, consents, requests, demands, designations or other
communications which may or are required to be given by either party to the
other hereunder shall be in writing and shall be deemed to have been duly given
when personally delivered or deposited in the United States mail, certified or
registered, postage prepaid, and addressed as follows: to Tenant at the 
address set forth in section 1(k) hereof, or to such other place as Tenant may
from time to time designate in a notice to Landlord; to Landlord at the 
address set forth in Section 1(l) hereof, or to such other place as Landlord
may from time to time designate in a notice to Tenant; or, in the case  of
Tenant, delivered to Tenant at the Demised Premises.  In the event a Guarantor
is listed in Section 1(m) hereof and such Guarantor executes this Lease,
Landlord shall forward copies of all notice of default hereunder to the
Guarantor at the address set forth in Section 1(n) hereof.  Tenant hereby
appoints as its agent to receive the service of all dispossessory or distraint
proceedings and notices thereunder the person in charge of or occupying the
Demised Premises at the time, and, if no person shall be in charge of or
occupying the Demised Premises at the time, then such service may be made by
attaching the same on the main entrance of the Demised Premises.  ALL NOTICES
HEREUNDER SHALL BE DEEMED EFFECTIVE UPON RECEIPT OR UPON REFUSAL TO ACCEPT
DELIVERY.






                                       17
<PAGE>   29

36. COMPLETE AGREEMENT.

    There are no oral agreements between Landlord and Tenant affecting this
Lease, and this Lease supersedes and cancels any and all previous negotiations,
arrangements, brochures, agreements and understandings, if any, between 
Landlord and Tenant or displayed by Landlord to Tenant with respect to the      
subject matter of this Lease or the Building.  There are no representations
between Landlord and Tenant other than those contained in this Lease and all
reliance with respect to any representations is solely upon such
representations.





                                       18
<PAGE>   30

37. CORPORATE AUTHORITY.

    If Tenant signs as a corporation, each of the persons executing this Lease
on behalf of Tenant does hereby covenant and warrant that Tenant is a fully     
authorized and existing corporation, that Tenant has and is qualified to do     
business in Michigan, that the corporation has full right and authority to
enter into this Lease, and that each and all of the persons signing on behalf
of the corporation are authorized to do so.

38. INABILITY TO PERFORM.

    If, by reason of the occurrence of unavoidable delays due to acts of God,
governmental restrictions, strikes, labor disturbances, shortages of materials
or supplies or for any other cause or event beyond Landlord's reasonable
control, Landlord is unable to furnish or is delayed in furnishing any utility
or service required to be furnished by Landlord under the provisions of Article 
8 hereof or any other provisions of this Lease or any collateral instrument, or
is unable to perform or make or is delayed in performing or making any
installations, decorations, repairs, alterations, additions, or improvements,
whether required to be performed or made under this Lease or under any
collateral instrument, or is unable to fulfill or is delayed in fulfilling any
of Landlord's other obligations under this Lease or any collateral instrument,
no such inability or delay shall constitute an actual or constructive eviction
in whole or in part, or entitle Tenant to any abatement or diminution of rental
or other charges due hereunder or relieve Tenant from any of its obligations
under this Lease, or impose any liability upon Landlord or its agents by reason
of inconvenience or annoyance to Tenant, or injury to or interruption of
Tenant's business, or otherwise, EXCEPT AS OTHERWISE SPECIFICALLY SET FORTH IN
THIS LEASE.

39. COVENANT OF QUIET ENJOYMENT.

    Upon Tenant paying the rental and other charges due hereunder and 
performing all of Tenant's obligations under this Lease, Tenant may peacefully
and quietly enjoy the Demised Premises during the term of this lease;
subject, however, to the provisions of this Lease and to any mortgages or
ground or underlying leases referred to in Article 25 hereof.

40. MISCELLANEOUS.

    40.1  The words "Landlord" and "Tenant" as used herein shall include the    
plural as well as the singular.  If there be more than one Tenant, the  
obligations hereunder imposed upon Tenant shall be joint and several.

    40.2  Submission of this instrument for examination or signature by Tenant
does not constitute a reservation of or option for lease, and it is not         
effective as a lease or otherwise until execution and delivery by both Landlord
and Tenant.

    40.3  The agreements, conditions and provisions herein contained shall,     
subject to the provisions as to assignment, set forth in Article 17 hereof,     
apply to and bind the heirs, executors, administrators, successors and assigns
of the parties hereto.

    40.4  Tenant shall not without the consent of Landlord, use the name of the
Building for any purpose other than as the address of the business to be
conducted by Tenant in the Demised Premises.  Landlord reserves the right to 
select the name of the Building and to make such changes of name as it deems 
appropriate from time to time.

    40.5  If any provisions of this Lease shall be determined to be illegal or
unenforceable, such determination shall not affect any other provisions of      
this Lease and all such other provisions shall remain in full force and
effect.

    40.6  This Lease shall be governed by and construed pursuant to the laws of 
the State of Michigan.

    40.7  Upon Landlord's written request, Tenant shall promptly furnish
Landlord, from time to time, but not more frequently than twice a year, 
financial statements reflecting Tenant's current financial condition.





                                       19
<PAGE>   31

    SEE ATTACHED RIDER.
    IN WITNESS WHEREOF, the parties hereto have executed this Lease as of the 
date set forth in Section 1(a).

                                        NORTHWESTERN CORPORATE CENTER
                                        ASSOCIATES LIMITED PARTNERSHIP, 
                                        a Michigan limited partnership
                                        
                                        By:  Northwestern Corporate Center,Inc.,
                                             a Michigan corporation, Its General
                                             Partner


                                             By:  Mike Kojaian
                                                  -----------------------------
                                                  Mike Kojaian, President

                                                                      "LANDLORD"



                                        MCA FINANCIAL CORP.


                                        By:  Keith D Pietila
                                             -----------------------------  


                                        Its: EVP
                                             -----------------------------  

                                                                        "TENANT"






                                       20
<PAGE>   32





RIDER TO LEASE BETWEEN NORTHWESTERN CORPORATE CENTER ASSOCIATES LIMITED
PARTNERSHIP, AS LANDLORD, AND MCA FINANCIAL CORP., AS TENANT, FOR PREMISES IN
NORTHWESTERN CORPORATE CENTER, SOUTHFIELD, MICHIGAN.

************************************************************************

RIDER TO SECTION 1(d)

         The Demised Premises shall consist of seventy thousand six hundred
thirty-six      (70,636) rentable square feet of office premises, as follows:

         First Floor         -    11,488 square feet
         Fifth Floor         -    19,716 square feet
         Sixth Floor         -    19,716 square feet
         Seventh Floor       -    19,716 square feet

(hereinafter referred to as the "Office Premises") and ten thousand (10,000)
square feet in the Basement of the Building (hereinafter referred to as the
"Basement Premises").

RIDER TO SECTION 1(g)

         The Basic Rental for the Demised Premises shall be as follows:

<TABLE>
<CAPTION>
                       Annual                Annual
                    Basic Rental          Basic Rental            Total Annual             Total Monthly
Period           Office Premises        Basement Premises         Basic Rental             Basic   Rental
------           ---------------        -----------------         ------------             --------------
<S>              <C>                  <C>                       <C>                      <C>
Years 1-3        $1,236,130.00          $100,000.00               $1,336,130.00            $111,344.17 
Years 4-6        $1,306,766.00          $110,000.00               $1,416,766.00            $118,063.83 
Years 7-10       $1,377,402.00          $120,000.00               $1,497,402.00            $124,783.50 
</TABLE>                                                             

RIDER TO SECTION 2.3

         (a)     Notwithstanding anything herein contained to the contrary,
designated parking spaces will be made available for visitors of the Building
adjacent to the Building.

         (b)     In addition to Tenant's nonexclusive parking rights, Landlord
shall designate ten (10) parking spaces for the exclusive use of Tenant in the
location shown on Exhibit B-1 hereto.  Landlord shall not be responsible for
policing Tenant's right to utilize such exclusive parking spaces, provided
Landlord shall use reasonable efforts to make such parking spaces available to
Tenant.  Landlord shall have no liability or responsibility to Tenant if such
spaces are not available to Tenant.

RIDER TO SECTION 3.1

         (a)     Notwithstanding anything herein contained to the contrary,
Tenant shall have the right to cause the Demised Premises to be delivered to
Tenant in three (3) increments, the first on March 1, 1998, the second on June
1, 1998, and the final increment on August 1, 1998.  Each such increment shall
consist of one of the Fifth, Sixth or Seventh Floor together with such
reasonable portion of the Demised Premises located on the First Floor and that
portion of the Basement Premises designated by Tenant.  Tenant shall exercise
such right by written notice to Landlord on or before November 1, 1997, and
such notice shall designate the portion of the Demised Premises to be so
delivered by Landlord to Tenant on each such date.  If Tenant shall exercise
such right, Landlord shall deliver the Demised Premises as so designated by
Tenant and, notwithstanding anything herein contained to the contrary, Tenant
shall only be required to pay the Basic Rental and other rents and charges
hereunder with respect to the portion of the Demised Premises so delivered to
Tenant.

         (b)     Provided Tenant is not in default at the time of the exercise
of such right or at the commencement of such period, Tenant will have the right
to extend the term of this Lease for one (1) additional period of ten (10)
years upon all of the terms and conditions herein stated.  Tenant will exercise
such right, if at all, by written notice to Landlord not less than twelve (12)
<PAGE>   33

months prior to the expiration of the original term.  If Tenant will exercise
its right to so extend the term for such period, the Basic Rental for such
period will be as set forth in (c) below.

         (c)    (i)       Within ten (10) days after the exercise by Tenant of
such right to extend the term of this Lease, Landlord will submit to Tenant
Landlord's determination of the Basic Rental for the Demised Premises for such
period, which Basic Rental will be the prevailing market rent for the Demised
Premises, but not less than the Basic Rental paid during the previous year.  If
Tenant does not notify Landlord of its acceptance of such Basic Rental as so
determined by Landlord within ten (10) days after receipt thereof, then the
parties will proceed as provided in (ii) below.

               (ii)       Within ten (10) days after said ten (10) day period,
Landlord and Tenant will each simultaneously submit to the other in a sealed
envelope its suggested annual Basic Rental for such period, which Basic Rental
will be the prevailing market rent for the Demised Premises, but not less than
the Basic Rental paid during the previous year.  If the higher of such
suggested Basic Rentals is not more than one hundred five percent (105%) of the
lower of such suggested rentals, then the average of the two (2) suggested
Basic Rentals will be the Basic Rental for such period.  Otherwise, within five
(5) days, the determination of the Basic Rental will be made in accordance with
Paragraph (iii) below.

              (iii)       Within ten (10) days thereafter, Landlord and Tenant
will mutually select and M.A.I. appraiser with experience in real estate
activities, including at least five (5) years' experience in appraising
comparable premises in the Detroit metropolitan area.  If the parties cannot
agree on such an appraiser, then within ten (10) days thereafter, each will
select an independent M.A.I. appraiser meeting the aforementioned criteria and
within seven (7) days thereafter, the two appointed appraisers will select a
third appraiser meeting the aforementioned criteria and the third appraiser
will determine the Basic Rental for such period in accordance with (iv) below.
If either Landlord or Tenant fails to make such appointment within said ten
(10) day period, the other will make such appointment on its behalf.

               (iv)       Once the appraiser has been selected as provided in
(iii) above, each of Landlord and Tenant will submit to such appraiser its
suggested Basic Rental figure as submitted to the other party pursuant to (ii)
above. As soon thereafter as practical, the appraiser will select one of the
two suggested Basic Rentals submitted by Landlord and Tenant that is closer to
the one determined by the appraiser.  The Basic Rental so selected by the
appraiser will be binding on Landlord and Tenant.  Landlord and Tenant will
equally share the cost of such appraisal.

RIDER TO SECTION 4

         Notwithstanding anything contained in Section 4 of the Lease to the
contrary:

        (i)      Based upon the information supplied by Tenant to Landlord
pursuant to Section 4(b) hereof, Landlord shall prepare plans and
specifications for the renovations to the Office Premises in accordance with
Landlord's understanding of Tenant's needs.  Landlord shall submit such plans
and specifications to Tenant for Tenant's approval, which approval shall not be
unreasonably withheld.  If Tenant fails to submit Tenant's comments to such
plans and specifications within ten (10) days after receipt thereof, Tenant
shall be deemed to have approved such plans and specifications.  Landlord shall
pay all reasonable architectural and design services (including space planning)
relating to the preparation of such plans and specifications.

       (ii)      Attached hereto as Exhibit "C" is a unit price list relating
to substantially all of the improvements to the Demised Premises.  Such unit
prices shall be utilized in determining the cost of completing the renovations
to the Office Premises.  With respect to substantial items for which no unit
price is set forth on Exhibit "C," Landlord shall obtain three (3) competitive
bids, to the extent available, for such items.  Landlord shall consult with
Tenant with respect to the awarding of contracts, provided that Landlord shall
not be required to award any contracts to contractors who are not reasonably
acceptable to Landlord.

      (iii)      Landlord shall complete the Office Premises in accordance with
the approved plans and specifications.
<PAGE>   34

       (iv)      (A)      Landlord shall pay the cost of completing the Office
Premises up to a cost of One Million Four Hundred Twelve Thousand Seven Hundred
Twenty and 00/100 Dollars ($1,412,720.00) ($20.00 x 70,636, the area of the
Office Premises) (hereinafter referred to as the "Tenant Allowance").  If such
completion shall cost in excess of the Tenant Allowance, Tenant shall pay such
costs in accordance with the provisions of Section 4(d) hereof.  If the cost of
the renovations to the Office Premises are less than the Tenant Allowance,
Tenant shall be permitted to apply up to One Hundred Forty-One Thousand Two
Hundred Seventy-Two and 00/100 Dollars ($141,272.00) against the cost of
installation of signage, cabling, sprinklering or any other improvements to the
Office Premises which would otherwise be required to be paid for by Tenant.

                 (B)      Notwithstanding anything herein contained to the
contrary, Landlord shall perform the following work in or servicing the Demised
Premises, at Landlord's sole cost and expense, and without charge therefor
against the Tenant Allowance:

                          (1)     Men and Women restrooms.
                          (2)     Drinking fountains in common corridors.
                          (3)     Electrical telephone closets.
                          (4)     Building stairways.
                          (5)     Mechanical equipment rooms.
                          (6)     Sheetrock core walls, perimeter and interior
                                  columns, and exterior walls above and below
                                  windows, taped, spackled and ready for
                                  painting.
                          (7)     One heat pump per 2,000 square feet
                                  (distribution from said pump will be charged
                                  against the Tenant Allowance).
                          (8)     Sprinkler protection consisting of mains and
                                  risers installed according to Building Code
                                  (but not the distribution within the
                                  Premises).
                          (9)     Fire protection alarm and communication
                                  systems for each building (not to include
                                  horns, lights, alarms or speakers within the
                                  Premises) as required by code.
                          (10)    Life safety and support systems for the
                                  Development will be installed per code to
                                  include an emergency building systems
                                  generator for 24700 Northwestern Highway.
                          (11)    Landlord will deliver 3.5 watts per square
                                  foot for lighting and equipment.  Additional
                                  power is available to be brought on-site if
                                  required by Tenant as part of the Tenant
                                  improvements.
                          (12)    All floor leveling necessary to correct slab
                                  defects.

                          (Building standard window treatments (horizontal
                          blinds) are not part of building shell, but shall be
                          part of the Tenant Allowance.)

        (v)      The Basement Premises shall be completed by Landlord, at
Landlord's sole cost and expense (which expenses shall not be charged against
the Tenant Allowance), and shall include only a cement floor, metal deck
ceiling, demising walls, one entry door and basic electric service and
lighting.

       (vi)      Landlord warrants to Tenant that the construction performed by
or on behalf of Landlord pursuant to this Section 4 shall be materially free
from defects in materials and workmanship for a period of one (1) year after
the date of delivery of the Demised Premises to Tenant, subject only to wear
and tear, damage by the elements, casualty and damage caused by the negligence
or intentional acts or omissions of Tenant, its agents, employees and invitees.
If defects in materials and workmanship warranted hereunder shall be disclosed
in writing by Tenant to Landlord prior to the expiration of such one (1) y ear
period, Landlord shall promptly repair, replace or correct the same, at its
sole cost and expense.

      (vii)      Landlord further warrants to Tenant that the retro-fitting
which Landlord is undertaking to the Development shall be done in such a manner
as to render the Building a first class building comparable to the building
located at 28333 Telegraph Road, Southfield, Michigan, and Landlord shall
maintain the Building as such a first class building throughout the term of
this Lease and any extensions hereof.





                                       3
<PAGE>   35

     (viii)      At or prior to delivering the Demised Premises to Tenant,
Landlord shall deliver to Tenant a written certificate of its abatement
contractor that any hazardous materials and contamination in the Building has
been abated in accordance with applicable law and governmental regulations or a
certificate from an appropriate governmental authority to such effect.

       (ix)      Landlord shall perform the following renovation work in and to
the Development, at Landlord's sole cost and expense, prior to the Commencement
Date:

                 (A)      Install new roofs.
                 (B)      Powerwash and recaulk building exteriors.
                 (C)      Replace all existing windows with dual pane insulated
                          glass.
                 (D)      Completely refurbish or replace elevators.
                 (E)      Repave the parking lots.
                 (F)      Replace and upgrade all parking lot lighting to meet
                          applicable building codes.  
                 (G)      Replace and update exterior landscaping.

Landlord shall consult with Tenant with respect to the retro-fitting of the
Common Areas of the Building, including the use of Tenant's corporate colors
and identity, but Tenant shall not have the right to approve the same.

RIDER TO SECTION 4(e)

         Landlord shall promptly, but in no event later than sixty (60) days
after the delivery of possession of the Office Premises to Tenant, complete the
incomplete items and minor details.

RIDER TO SECTION 5.2(c)

         Notwithstanding anything herein contained to the contrary,
"Controllable Expenses" shall not increase by more than six percent (6%) per
annum on a cumulative basis during the term of this Lease (not to exceed one
hundred six percent (106%) for 1999, one hundred twelve percent (112%) for
2000, one hundred eighteen percent (118%) for 2001, etc.).  For purposes
hereof, Controllable Expenses shall be all Expenses other than utilities,
insurance, Taxes and costs of complying with governmental laws and regulations.

RIDER TO SECTION 5.3(b)

         For a period of ninety (90) days after the end of each respective
calendar year to which such records relate, Tenant shall have the right, upon
thirty (30) days' prior written notice to Landlord, to inspect Landlord's
records relating to Expenses and Taxes.  Such inspection shall be conducted at
Landlord's offices during normal business hours, at Tenant's expense.

RIDER TO SECTION 5.6

         Notwithstanding anything herein contained to the contrary, Tenant
shall not be required to pay such an administrative late charge or interest if
it pays the amount due within five (5) days of the due date thereof on up to
two (2) occasions in any calendar year.

RIDER TO SECTION 7.1

         So long as Tenant is not in default under this Lease, Landlord shall
not lease any premises on the First Floor of the Building to any tenant whose
principal business is the making of mortgage loans.

RIDER TO SECTION 8.3

        (i)      Notwithstanding the provisions of Section 8.3 hereof, in the
event any utilities required to be provided by Landlord pursuant to Section 8.3
hereof are not provided (subject to the provisions of Section 38 hereof) and
such interruption of utilities has an adverse effect on Tenant's ability to
operate in the Demised Premises as a result thereof for in excess of three (3)
consecutive business days, then the Basic Rental and all other rental and
charges hereunder shall





                                       4
<PAGE>   36

abate from and after such three (3) consecutive business day period until such
utilities are restored.  Except for fire and other casualty, in the event such
utilities are not being provided for in excess of forty-five (45) consecutive
days, then Tenant shall have the right to terminate this Lease upon written
notice to Landlord, which notice shall be given, if at all, after the
expiration of such forty-five (45) day period and until such utilities are
restored or Tenant again commences operations in the Demised Premises.  Such
abatement and right of termination shall be Tenant's sole remedy for Landlord's
failure to provide such utilities.

       (ii)      The HVAC system for the Building shall be designed and will
maintain the following conditions in accordance with ASHRAE 90-80 and the
Michigan Energy Code:

                 Summer:       92 degrees d.b. at 75 degrees w.p. outdoor 
                               temperature
                               75 degrees d.b. at 50% relative humidity indoors

                 Winter:       0 degrees d.b. outdoor temperature
                               75 degrees d.b. indoor temperature

                 based upon the following criteria:

                 Ventilation:  minimum of ten (10) CFM per person
                 Watts:        maximum 3.5 watts per square foot

      (iii)      Anything herein to the contrary notwithstanding, Tenant shall
be permitted access to the Building and the Demised Premises twenty-four (24)
hours a day, seven (7) days a week.  The cost thereof shall be included in
Expenses.

       (iv)      During after hour usage, Landlord shall provide for random
checks of the Building by security personnel engaged by Landlord.

RIDER TO SECTION 11.1

         (a)     If Landlord elects to make such repairs and has not completed
the same within two hundred forty (240) days of the occurrence of such
casualty, Tenant shall have the right to terminate this Lease by written notice
to Landlord at any time after the expiration of such two hundred forty (240)
day period and until the completion of such restoration.

         (b)     If this Lease is terminated pursuant to this Article 11,
Landlord shall refund to Tenant any Basic Rental and additional rental relating
to periods subsequent to such termination.

RIDER TO SECTION 13

         (a)     Notwithstanding anything herein contained to the contrary,
Tenant shall be entitled to obtain a separate award equal or attributable to
the cost of removal or reinstallation of Tenant's trade fixtures, loss of
business, moving and relocation costs and the unamortized cost of any
improvements made to the Demised Premises, at Tenant's expense, such
amortization to be over the term of this Lease on a straight line basis.

         (b)     In the event this Lease is terminated pursuant to this Section
13, Landlord shall refund to Tenant any Basic Rental and additional rental
relating to periods subsequent to such termination.

RIDER TO SECTION 15.1

         Landlord hereby waives all claims against Tenant for damages to any
person or injury to or death of any person in, upon or about the Common Areas
of the Development arising at any time and from any cause whatsoever and
Landlord shall hold Tenant harmless from any damage to any property or injury
to or death of any person arising in, on or about the Common Areas.  The
foregoing indemnity obligation of Landlord shall include reasonable attorney's
fees, investigation costs and/or other costs and expenses incurred by Tenant
from the first notice that any claim or demand is to be made or may be made.
This provision of this Rider shall survive the termination of this Lease with
respect to any damage, injury or death occurring prior to such termination.





                                       5
<PAGE>   37


RIDER TO SECTION 16

         Landlord represents and warrants to Tenant that as of the Commencement
Date, with respect to any matters for which Landlord has received written
notice from a governmental authority, the Building, Demised Premises and Common
Areas shall comply with such notices.

RIDER TO SECTION 17.1

         Notwithstanding anything contained in Section 17.1 hereof to the
contrary, Landlord agrees that it will not unreasonably withhold its consent to
any proposed assignment of this Lease or subletting of the Demised Premises or
any part thereof by Tenant; provided that Tenant shall not sublet any portion
of the Demised Premises or assign this Lease for any medical or dental use, or
to any governmental or quasi- governmental agency.  In determining
reasonableness, Landlord may take into consideration all relevant factors
surrounding the proposed assignment or subletting, including, without
limitation:  (i) the business reputation of the proposed assignee or subtenant
and its officers, directors and stockholders, (ii) the nature of the business
of the proposed assignee or subtenant and its effect on the other tenants of
the Building, (iii) the financial condition of the proposed assignee or
subtenant, and (iv) restrictions, if any, contained in leases or other
agreements affecting the Building.

RIDER TO SECTION 19.1

         Notwithstanding the provisions of Section 19.1 hereof, in the event
Landlord's exercise of its right pursuant to this Section 19.1 shall have a
material adverse effect on Tenant's ability to operate in the Demised Premises
for in excess of three (3) consecutive business days, then the Basic Rental and
all other rental and charges hereunder shall abate from and after such three
(3) consecutive business day period until such time as the interference is
removed.  Such abatement of rental shall be Tenant's sole remedy for Landlord's
interference.

RIDER TO SECTION 25.1

         Prior to the Commencement Date, Landlord shall obtain a nondisturbance
agreement from the then existing mortgagee of the Building for Tenant's
benefit.  As a condition precedent to the subordination of this Lease to any
future mortgage covering the Building, Landlord shall obtain for Tenant's
benefit a nondisturbance agreement.  Each such nondisturbance agreement shall
be subject to Tenant's approval, which approval shall not be unreasonably
withheld.

RIDER TO SECTION 32

         Provided Tenant has not been in default after notice and the
expiration of any applicable cure periods during the term of this Lease prior
thereto and Tenant attains a net worth computed in accordance with generally
accepted accounting principles of Fifty Million Dollars ($50,000,000), then,
within thirty (30) days of Landlord's receipt of Tenant's certified financial
statements indicating such a net worth, Landlord shall refund the Deposit to
Tenant.

41.      SIGNS.

         (a)     Landlord, at Landlord's sole cost and expense, shall provide
Tenant signage on the Building directory located on the first floor of the
Building.

         (b)     Tenant shall, at Tenant's sole cost and expense, have the
right to install appropriate building signage at the entrance to the Demised
Premises, provided that such sign(s) shall be subject to Landlord's approval.

         (c)     Tenant, at Tenant's sole cost and expense, shall have the
right to install an exterior sign identifying Tenant as a major tenant of the
Building to be affixed to the exterior of the Building at a location and
elevation acceptable to Tenant and approved by Landlord.  The sign design and
location shall be approved by both Landlord and Tenant and shall be subject to
the approval of all governmental entities having jurisdiction.





                                       6
<PAGE>   38

42.      EXPANSION RIGHTS.

         42.1    (a)      Tenant shall have the right to lease at least nine
thousand five hundred (9,500) contiguous rentable square feet but not more than
nineteen thousand (19,000) rentable square feet of which at least nine thousand
five hundred (9,500) rentable square feet shall be contiguous (as initially
determined by Tenant, subject to availability with respect to any premises in
excess of nine thousand five hundred (9,500) rentable square feet) of the
Building (as determined by Landlord) between March 1, 2003, and February 28,
2004 (as determined by Landlord).  Tenant shall exercise such right by written
notice to Landlord prior to February 28, 2002.  Such notice shall contain the
square foot area Tenant wishes to lease.

                 (b)      Within one hundred eighty (180) days after receipt of
Tenant's notice, Landlord shall notify Tenant of the premises to be leased
pursuant to this Section 42.1 and the approximate date of delivery thereof.

                 (c)      Landlord shall deliver such premises to Tenant in its
then "as is" condition; provided, however, that if such premises have not
theretofore been improved for another tenant, Landlord shall provide Tenant the
sum of Twenty and 00/100 Dollars ($20.00) per rentable square foot of such
premises multiplied by a fraction, the numerator of which is the number of
calendar months between such delivery and February 2008, and the denominator of
which is one hundred twenty (120).  Such allowance shall be used solely for
renovations to such premises, which renovations shall be performed by Landlord
in accordance with plans and specifications prepared by Landlord and approved
by Tenant in accordance with Paragraph (i) of the Rider to Section 4 hereof.
Tenant shall pay all such costs of such renovations over and above such
allowance, if any.

                 (d)      Such premises shall be deemed a part of the Demised
Premises for all purposes of this Lease upon the delivery thereof to Tenant and
the Basic Rental therefor shall be at the square foot rental for Office
Premises set forth in Section 1(g) hereof commencing upon such delivery.
Tenant's Share shall be revised to reflect the addition of such premises to the
Demised Premises.  Landlord and Tenant shall enter into an amendment to this
Lease to affect the foregoing.

                 (e)      Landlord shall have no liability or responsibility
for delays in delivering such premises as a result of any occupant's failure to
vacate such premises at the end of its lease, but Landlord shall immediately
institute proceedings to obtain possession of such premises and this Lease,
with respect to such premises, shall not commence until such premises are
vacated, renovated and delivered to Tenant as herein provided.

                 (f)      Notwithstanding anything herein contained to the
contrary, if Tenant shall lease any additional premises pursuant to the terms
of Sections 42.2 and/or 42.3 hereof prior to the delivery of such premises
pursuant to the terms of this Section 42.1, the square foot area of such
premises leased pursuant to Sections 42.2 and/or 42.3 hereof shall be credited
against the premises Tenant is entitled to lease pursuant to this Section 42.1.

         42.2    (a)      So long as any premises is available on the Fourth
Floor of the Building, Tenant shall have the right to lease the same upon the
terms and conditions set forth in this Section 42.2.  Premises shall be deemed
available hereunder until the same has been leased to another tenant and shall
not be deemed available during the term of such tenant's lease (as the same may
be extended).  From time to time, upon Tenant's written request, Landlord shall
advise Tenant of what premises on the Fourth Floor are then available.

                 (b)      Tenant shall exercise its right to so lease any such
available premises by written notice to Landlord, which notice shall designate
the premises Tenant wishes to so lease.  Such premises shall be of reasonable
configuration, with reasonable access to elevators, stairways and restrooms and
shall be of such a configuration as will leave the balance of such Floor in a
reasonable configuration for leasing by others.

                 (c)      As soon as such determination is made, Landlord shall
deliver such premises to Tenant and Tenant shall accept the same in its then
"as is" condition; provided, however, that if such premises have not
theretofore been improved for another tenant, Landlord shall provide Tenant the
sum of Twenty and 00/100 Dollars ($20.00) per rentable square foot of





                                       7
<PAGE>   39

such premises multiplied by a fraction, the numerator of which is the number of
calendar months between such delivery and February 2008, and the denominator of
which is one hundred twenty (120).  Such allowance shall be used solely for
renovations to such premises, which renovations shall be performed by Landlord
in accordance with plans and specifications prepared by Landlord and approved
by Tenant in accordance with Paragraph (i) of the Rider to Section 4 hereof.
Tenant shall pay all such costs of such renovations over and above such
allowance, if any.

                 (d)      Such premises shall be deemed a part of the Demised
Premises for all purposes of this Lease upon the delivery thereof to Tenant and
the Basic Rental therefor shall be at the square foot rental for Office
Premises set forth in Section 1(g) hereof commencing upon such delivery.
Tenant's Share shall be revised to reflect the addition of such premises to the
Demised Premises.  Landlord and Tenant shall enter into an amendment to this
Lease to affect the foregoing.

                 (e)      Notwithstanding anything herein contained to the
contrary, Tenant shall not have the right to lease any portion of such premises
pursuant to this Section 42.2 or Section 42.3 hereof subsequent to March 1,
2005, unless Tenant then has the right to exercise and exercises its right to
extend the term of this Lease for the ten (10) year period pursuant to
Paragraph (b) of the Rider to Section 3.1 hereof.

         42.3    (a)      If Landlord receives an offer to lease any premises
on the Second or Fourth Floor of the Building (other than for the leasing
thereof to the then current tenant thereof), which Landlord intends to accept,
prior to leasing the same pursuant to such offer, Landlord shall notify Tenant
in writing.  Such notice shall contain the terms and provisions of such offer
and Tenant shall have five (5) days from the receipt of Landlord's notice to
Tenant to advise Landlord in writing if Tenant wishes to lease such premises
upon the terms and provisions set forth in Landlord's notice (including the
Basic Rental therefor and the construction obligations relating thereto).
Failure by Tenant to notify Landlord within the times specified shall
constitute Tenant's waiver of its right to lease such premises pursuant to such
notice.  If Tenant exercises its right to so lease such premises, Tenant's
obligation to commence payment of Basic Rental (at the rate set forth in
Landlord's notice) shall commence on the date possession is delivered to Tenant
by Landlord and shall continue until the expiration or sooner termination of
this Lease and Tenant's Share shall be increased to reflect such additional
premises effective upon the delivery of possession thereof to Tenant.  Upon the
delivery of such notice provided for in the first sentence of this Section
42.3, Tenant's right to lease such premises in accordance with the provisions
of Section 42.2 hereof shall terminate and be of no further force or effect;
provided, however, that if Landlord shall not have consummated a lease with
such offeree upon the terms and conditions set forth in Landlord's notice to
Tenant within one hundred eighty (180) days after such notice, such premises
shall be deemed available premises and Section 42.2 hereof and this Section
42.3 shall again be applicable thereto.

                 (b)      If Tenant shall exercise its right of first refusal
pursuant to this Section 42.3, Landlord and Tenant shall execute and deliver an
amendment to this Lease incorporating such terms and conditions.

                 (c)      Landlord shall have no liability or responsibility
for delays in delivering such premises as a result of any occupant's failure to
vacate such premises at the end of its lease but Landlord shall immediately
institute such proceedings to obtain such premises and Tenant's leasing thereof
shall not commence until such premises are vacant and delivered to Tenant.

MCA FINANCIAL CORP.                   NORTHWESTERN CORPORATE CENTER
                                      ASSOCIATES LIMITED PARTNERSHIP,
                                      a Michigan limited partnership
By  Keith D. Pietila                                 
   -------------------------          By:  Northwestern Corporate Center, Inc.,
                                           a Michigan corporation, Its General
                                           Partner                              
                                     
Its  EVP                                 
     -----------------------          By:  Mike Kojaian
                                           ---------------------------
             "TENANT"                      Mike Kojaian, President     
                                     
                                                          "LANDLORD"





                                       8
<PAGE>   40

                                   EXHIBIT A

                               LEGAL DESCRIPTION




Land situated in the City of Southfield, County of Oakland, State of Michigan,
described as follows:

PARCEL I: 24700 Northwestern Highway

Part of the Northwest 1/4 of the Northwest 1/4 of Section 26, Town 1 North,
Range 10 East, City of Southfield, Oakland County, Michigan, described as:
Beginning at a point on the North line of Section 26, said point being North 89
degrees 59 minutes 45 seconds East, 210.0 feet from the Northwest corner of
Section 26, Town 1 North, Range 10 East; thence South 0 degrees 06 minutes 35
seconds West, 467.52 feet; thence along the northerly line of Northwestern
Highway, South 45 degrees 49 minutes 35 seconds East, 135.0 feet; thence North
44 degrees 10 minutes 25 seconds East, 371.0 feet; thence North 45 degrees 49
minutes 35 seconds West, 32.68 feet; then North 0 degrees 00 minutes 15 seconds
West, 94.75 feet; thence South 89 degrees 59 minutes 45 seconds West, 125.00
feet; thence North 0 degrees 00 minutes 15 seconds West, 178.00 feet; thence
along the North line of Section 26, South 89 degrees 59 minutes 45 seconds
West, 206.0 feet to the point of beginning.

Together with the right to use in common with others all easements for parking,
ingress and egress, installation and maintenance of utilities and drainage
facilities and use of all other common facilities, all as set forth in the
certain instrument entitled "Declaration of Easements" dated June 25, 1968 and
recorded in Liber 5225, Page 777, Oakland County Records, as amended by
instrument dated December 7, 1968 and recorded December 23, 1968 in Liber 5297,
Page 465, Oakland County Records.

PARCEL II: 19675 West 10 Mile Road

Part of the Northwest 1/4 of the Northwest 1/4 of Section 26, Town 1 North,
Range 10 East, City of Southfield, Oakland County, Michigan, described as:
Beginning at a point on the South line of Ten Mile Road (120 feet wide), said
point being North 89 degrees 59 minutes 45 seconds East, 416.0 feet and South 0
degrees 00 minutes 15 seconds East, 60.0 feet from the Northwest corner of
Sectioon 26, Town 1 North, Range 10 East; thence South 0 degrees 00 minutes 15
seconds East, 118.00 feet; thence North 89 degrees 59 minutes 45 seconds East,
125.0 feet; thence South 0 degrees 00 minutes 15 seconds East, 94.75 feet;
thence South 45 degrees 49 minutes 35 seconds East, 252.66 feet; thence North
44 degrees 10 minutes 25 seconds East 72.0 feet; thence South 45 degrees 49
minutes 35 seconds East, 50.15 feet; thence 177.95 feet along the arc of a
curve concave to the west, said curve having a radius of 807.68 feet, a central
angle of 12 degrees 37 minutes 25 seconds and who chord bears North 14 degrees
12 minutes 57 seconds East, 177.59 feet; thence North 0 degrees 00 minutes 15
seconds West, 200.0 feet; thence along the South line of Ten Mile Road, South
89 degrees 59 minutes 45 seconds West, 435.98 feet to the point of beginning.

Together with the right to use in common with others all easements for parking
ingress and egress, installation and maintenance of utilities and drainage
facilities, and use of all other common facilities, all as set forth in that
certain instrument entitled "Declaration of Easements" dated June 25, 1968 and
recorded in Liber 5225, Page 777, Oakland County Records, as amended by
instrument dated December 7, 1968 and recorded December 25, 1968 in Liber 5297,
Page 465, Oakland County Records.
<PAGE>   41



PARCEL III: 24800 Northwestern Highway

Part of the Northwest 1/4 of Section 26, Town 1 North, Range 10 East, City of
Southfield, Oakland County, Michigan, described as: Beginning at a point on the
South line of Ten Mile Road which is South 89 degrees 59 minutes 45 seconds
West measured on the North line of Section 26, 1613.28 feet and South 0 degrees
00 minutes 15 seconds East, 60.00 feet from the North 1/4 corner of said
Section 26; thence South 89 degrees 59 minutes 45 seconds West along the South
line of Ten Mile Road, 100.00 feet to a point, thence South 0 degrees 00
minutes 15 seconds East, 200 feet to a point; thence North 89 degrees 59
minutes 45 seconds East, 100.00 feet to a point; thence North 0 degrees 00
minutes 15 seconds West, 200.00 feet to the place of beginning, except the
easterly 60 feet thereof.

Also

Part of the Northwest 1/4 of Section 26, Town 1 North, Range 10 East, City of
Southfield, Oakland County, Michigan, described as:   Beginning at a point on
the northerly line of Northwestern Highway, said point being North 89 degrees
59 minutes 45 seconds East, 210.0 feet, and South 0 degrees 06 minutes 35
seconds West, 467.52 feet, and South 45 degrees 49 minutes 35 seconds East,
135.0 feet from the Northwest corner of Section 26, Town 1 North, Range 10
East; thence North 44 degrees 10 minutes 25 seconds East, 371.0 feet; thence
South 45 degrees 49 minutes 35 seconds East, 220.0 feet; thence North 44
degrees 10 minutes 25 seconds East, 72.0 feet; thence South 45 degrees 49
minutes 35 seconds East, 50.15 feet; thence 177.59 feet along the arc of a
curve concave to the West, said curve having a radius of 807.68 feet, a central
angle of 12 degrees 37 minutes 25 seconds and whose chord bears North 14
degrees 12 minutes 57 seconds East, 177.59 feet; thence North 89 degrees 59
minutes 45 seconds east, 193.81 feet; thence 572.94 feet along the westerly
line of Red River Drive (60 feet wide), said westerly line being an arc of a
curve concave to the West having a radius of 1000.00 feet, a central angle of
32 degrees 49 minutes 38 seconds and whose chord bears South 22 degrees 47
minutes 24 seconds West, 565.14 feet; thence North 45 degrees 45 minutes 20
seconds West, 196.21 feet; thence South 44 degrees 14 minutes 40 seconds West,
205.93 feet; thence along the northerly line of Northwestern Highway, North 45
degrees 49 minutes 35 seconds West 330.06 feet to the point of beginning.

Together with the right to use in common with others all easements for parking,
ingress and egress, installation and maintenance of utilities and drainage
facilities and use of all other common facilities, all as set forth in the
certain instrument entitled "Declaration of Easements" dated June 25, 1968 and
recorded in Liber 5225, Page 777, Oakland County Records, as amended by
instrument dated December 7, 1968 and recorded December 23, 1968 in Liber 5297,
Page 465, Oakland County Records.





<PAGE>   42

                                  EXHIBIT "B"

                           FLOOR PLANS AND SITE PLAN
<PAGE>   43

                              EXHIBIT "B" (cont.)

                           FLOOR PLANS AND SITE PLAN
<PAGE>   44

                              EXHIBIT "B" (cont.)

                           FLOOR PLANS AND SITE PLAN
<PAGE>   45


                              EXHIBIT "B" (cont.)

                           FLOOR PLANS AND SITE PLAN
<PAGE>   46

                                 EXHIBIT "B-1"

                           FLOOR PLANS AND SITE PLAN
<PAGE>   47

                                  EXHIBIT "C"

                                   UNIT COSTS



<TABLE>
<CAPTION>
DESCRIPTION                                                     QUANTITY
<S>                                                  <C>             <C>
PARTITIONS

1. Drywall partitions to ceiling grid (8'-6")        LF              @ 40.00

2. Telephone backboard 4'x8'                         Lump Sum

3. Insulated drywall partitions to deck              LF              @ 66.00

4. Partition mullion enclosure                       EA              @ 75.00

DEMISING/CORRIDOR PARTITIONS

1. Demising/corridor partition (15'-0")              LF              @ 67.00

SUITE ENTRANCE

1. Glass suite entrance                              EA              @ 5000.00

DOORS, FRAMES AND HARDWARE

1. Interior oak doors, frame with hardware           EA              @ 700.00
   (3'x8')

2. Office lockset                                    EA              @ 60.00

3. Surface mounted closer                            EA              @ 175.00

4. Double oak door                                   EA              @ 1500.00
CARPENTRY
CABINETS

1. Upper/lower cabinet with countertop and 4"        LF              @ 300.00
   backsplash

COUNTERS

1. Shelf and rod                                     LF              @ 35.00

FLOORCOVERING

1. Building standard carpet                          SY              @ 15.25

2. Vinyl flooring                                    SF              @ 1.75

3. Vinyl Base (perimeter)                            LF              @ 1.25

4. Floor Prep                                        Lump Sum

WALLCOVERING

1. Paint (perimeter)                                 SF              @ .50c.

2. Stain doors                                       EA              @ 50.00

WINDOW TREATMENT

1. Blinds, exterior                                  EA              @ 20.00

CEILING

1. Acoustical tile (2x4)                             SF              @ 1.50

TOILET ROOMS

1. Vanity, sink and cabinet with all related         EA              @ 2500.00
   lines

2. Water closet with all related lines               EA              @ 2200.00

3. Mirror                                            EA              @ 110.00
                                                                                                        
</TABLE>
<PAGE>   48


<TABLE>
<CAPTION>
DESCRIPTION                                                     QUANTITY
<S>                                                  <C>             <C>
KITCHEN/LOUNGE

1. Sink 25"x22" with all related lines               EA              @ 2400.00

2. Hot water heater with electrical                  EA              @ 930.00

3. Garbage disposal with electric                    EA              @ 480.00

FIRE PROTECTION

1. Building standard fire protection                 SF              @ 1.20
HVAC

1. HVAC building standard                            SF              @ 2.00

2. Add zone box with thermostat                      EA              @ 1320.00

ELECTRICAL - LIGHTING

1. 2 x 4 fluorescent lights                          EA              @ 150.00

2. Downlights - halo                                 EA              @ 175.00

3. Dimmer - 1,000 watt                               EA              @ 185.00

ELECTRICAL OUTLETS

1. Duplex                                            EA              @ 75.00

2. Dedicated duplex                                  EA              @ 200.00

3. Telephone outlets                                 EA              @ 50.00

4. Switches                                          EA              @ 75.00

5. 3 way switches                                    EA              @ 100.00

6. Standard exit lights                              EA              @ 225.00

7. Night lights                                      EA              @ 110.00

8. Emergency light                                   EA              @ 175.00

9. 200 amp with meter                                EA              @ 3500.00

10. Fire alarm horns                                 EA              @ 300.00

11. Speaker Alarm                                    EA              @300.00

12. Floor mounted furniture
 5  wire system      locations
 a) dedicated circuits                               EA              @ 250.00

 b) furniture whip hook-ups                          EA              @ 50.00

MISCELLANEOUS

1. Window sill                                       LF              @16.00

2. Construction cleanup                              Lump Sum

3. Permit                                            Lump Sum 
</TABLE>
<PAGE>   49

                                  EXHIBIT "D"


                              JANITORIAL SERVICES





DAILY SERVICES:  (FIVE TIMES PER WEEK)

1. Empty waste baskets.
2. Empty and clean ash trays, including those in public areas.
3. Dust desk tops which are clear of working papers.
4. Sweep or vacuum traffic area - public and private.
5. Toilet rooms:
 (a) Empty all waste receptacles.
 (b) Sweep and wet mop floors.
 (c) Clean and disinfect all fixtures and clean mirrors and shelves.

6. Clean and disinfect drinking fountains and water coolers.
7. Police parking areas for rubbish and trash.

WEEKLY SERVICES:

1. Damp mop floors, stairways, lobbies and corridors.
2. Sweep or vacuum entire floor area -- public and private.

MONTHLY SERVICES:

1. Strip, wax and polish floor in lobby area and isles.
2. Dust window blinds.
3. Wash all glass in office partitions.
4. Wash outside and inside building entry mats.

SEMI-ANNUAL SERVICES:

1. Power scrub tile areas and wax or apply floor treatment.
2. Wash windows.

SEASONAL SERVICES:

1. Snow removal from concrete walks as necessary.
2. Snow plowing of the parking lots as necessary.
3. Lawn cutting service of green areas as required.
<PAGE>   50

                                  EXHIBIT "E"


                             RULES AND REGULATIONS

1.  The Common Areas of the Building shall not be obstructed or used for any
    purpose other than coming to and from the Demised Premises.

2.  Landlord has the right to control access to the Building and refuse
    admittance to any person or persons without satisfactory identification or a
    pass issued by Tenant during hours determined by Landlord.

3.  Landlord shall upon reasonable notice have the right to enter upon the
    Demised Premises at reasonable hours for the purpose of inspecting the same.

4.  Landlord shall upon reasonable notice have the right to enter the Demised
    Premises at hours convenient to Tenant for the purpose of exhibiting the
    same to prospective tenants within one hundred eighty (180) day period prior
    to the expiration of the Lease.

5.  No person shall disturb other occupants of the Building by making loud or
    disturbing noises.

6.  Soliciting, peddling and canvassing is prohibited in the Building and Tenant
    shall cooperate to prevent the same.  No vending machine shall be operated
    in the Building by any tenant.

7.  All deliveries and removal of furniture, equipment or other bulky items must
    take place after notification to Landlord, during such hours and in such
    manner as Landlord shall determine.  Tenant shall be responsible for all
    damage or injury resulting from the delivery or removal of all articles into
    or out of the Building or the Demised Premises.  No load shall be placed on
    the floors or in elevators in excess of the limits which shall be
    established by Landlord.  Tenant cannot use the elevator for moving in or
    out of the Building without specific arrangements with Landlord.

8.  Tenant shall not use any equipment emitting noxious fumes unless they are
    properly vented at Tenant's expense.

9.  Nothing shall be attached to the interior or exterior of the Building
    without the prior written consent of Landlord.  However, Tenant shall have
    the right to install and remove, within the Demised Premises (subject to the
    terms of this Lease), all of Tenant's furniture and normal business
    equipment.  Building standard levelor-style venetian blinds shall be used in
    windows designated by Landlord.  No other window treatments or objects shall
    be attached to, hung in or used in connection with any exterior of any door
    or window or from outside the Building.  No article shall be placed on any
    window sill.

10. No sign or other representation shall be placed on the interior or exterior
    of the Building without prior written consent of Landlord.

11. No hazardous articles shall be brought into or kept in the Building at any
    time.  No bicycles, vehicles or animals, except seeing eye and aide dogs,
    of any kind shall be brought into or kept in or about the Building.

12. No marking, painting, drilling, boring, cutting, defacing of the walls,
    floors, ceilings of the Building shall be permitted without the prior
    written consent of Landlord.  Plastic protective floor mats shall be
    maintained over all carpeted areas under desks and chairs with casters.

13. The electrical system and lighting fixtures in the Building and the Demised
    Premises shall not be altered or disturbed in any manner without the prior
    written consent of Landlord.  Any alterations or additions must be
    performed by licensed personnel authorized by Landlord.

14. The toilets and other plumbing fixtures shall not be used for any other
    purpose than those for which they are designed.  No sweepings, rubbish or
    other similar materials or substances shall be deposited therein.
<PAGE>   51


15. Smoking is prohibited in the elevator(s), hallways, corridors, stairs,
    lobbies and other Common Areas of the Building.

16. Tenant shall not waste electricity, water or air conditioning and shall
     cooperate fully with Landlord to assure the most effective and efficient
     operation of the heating and/or air conditioning systems of the Building.

17. Tenant assumes full responsibility for protecting the Demised Premises from
    theft, robbery and pilferage.  Except during Tenant's normal business
    hours, Tenant shall keep all doors to the Demised Premises locked and other
    means of entry to the Demised Premises closed and secured.

18. All cleaning, repairing, janitorial, decorating, painting or other services
    and work in and about the Demised Premises shall be done only by authorized
    Building personnel.

19. Tenant or Tenant's employees shall not distribute literature, flyers,
    handouts or pamphlets of any type in any of the Common Areas without the
    prior written consent of Landlord.

20. Tenant shall not cook, otherwise prepare or sell, any food or beverages in
    or from the Demised Premises.  However, Tenant shall have the right to
    prepare food for the exclusive use of Tenant's employees.

21. Tenant shall not permit the use of any apparatus for sound production or
    transmission in such manner that the sound so transmitted or produced shall
    be audible or vibrations shall be detectable beyond the Demised Premises.

22. Tenant shall keep all electrical and mechanical apparatus free of
    vibration, noise and air waves which may be transmitted beyond the Demised
    Premises.

23. No floor covering shall be affixed to any floor in the Demised Premises by
    means of glue or other adhesive, unless the installation procedure is
    approved by Landlord.

24. Tenant shall comply with all rules and regulations established by Landlord
    pursuant to other applicable provisions of this Lease.

25. Landlord shall supply Tenant with two (2) keys for each outside door to the
    Demised Premises.  If Tenant requires any additional keys, Landlord shall
    supply the same at Tenant's expense.

Landlord shall not be responsible for the violation of any of the foregoing
rules and regulations by other tenants of the Building and shall not be
obligated to enforce the same against other tenants.  But Landlord shall
enforce and apply the rules and regulations in a non- discriminatory manner.
Landlord shall have the right to amend these rules and regulations from time to
time.