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                              REAL ESTATE MORTGAGE
                                To Secure a Loan
                    From CITIZENS NATIONAL BANK OF FORT SCOTT
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1.    DATE AND  PARTIES.  The date of this Real  Estate  Mortgage  (Mortgage) is
      February 3, 1997 and  the  parties  and  their  mailing  addresses are the
      following

           MORTGAGOR:
           AFI MORTGAGE CORP.  F/K/A CONTINENTAL MORTGAGE
           a NEBRASKA corporation
           5425 MARTINDALE
           SHAWNEE, KS 66203

           BANK:
           CITIZENS NATIONAL BANK OF FORT SCOTT
           a national banking association
           200 South Main
           P.O. Bxo 899
           Fort Scott, Kansas 66701
           Tax I.D. # 48-0168914
                (as Mortgagee)

2.   MAXIMUM  OBLIGATION  LIMIT.  The total principal  amount of the Obligations
     secured by this Mortgage at any one time shall not exceed $739,031.00. This
     limitation  of amount does not include  interest and other fees and charges
     validly made pursuant to this  Mortgage.  Also,  this  limitation  does not
     apply to advances made under the terms of this  Mortgage to protect  Bank's
     security and to perform any of the  covenants  contained in this  Mortgage.
     This limit is for the purposes set forth in K.S.A. 79-3012 and 58-2336.

3.   OBLIGATIONS  DEFINED. The Term "Obligations" is defined as and includes the
     following:

          A.   A promissory note, NO. 12558, (Note) dated February 3, 1997, with
               a maturity  date of March 28,  1998,  and  executed  by  ADVANCED
               FINANCIAL, INC. and AFI MORTGAGE CORP. F/K/A CONTINENTAL MORTGAGE
               (Borrower)  payable to the order of Bank,  which evidences a loan
               (Loan) to Borrower in the amount of  $739,031.00,  plus interest,
               and all  extensions,  renewals,  modifications  or  substitutions
               thereof.

          B.   All future advances by Bank to Borrower, to Mortgagor, to any one
               of  them  or to  any  one of  them  and  others  (and  all  other
               obligations referred to in the subparagraph(s)  below, whether or
               not this Mortgage is specifically  referred to in the evidence of
               indebtedness   with   regard  to  such   future  and   additional
               indebtedness and whether or not such future advances are incurred
               for any purpose  that was related or  unrelated to the purpose of
               the Obligations).

          C.   All additional sums advanced,  and expenses incurred, by Bank for
               the purpose of insuring,  preserving or otherwise  protecting the
               Property (as herein  defined)  and its value,  and any other sums
               advanced,   and  expenses  incurred  by  Bank  pursuant  to  this
               Mortgage, plus interest at the same rate provided for in the Note
               computed on a simple interest method.

          D.   All other  obligations,  now  existing or hereafter  arising,  by
               Borrower  owing to Bank to the extent the taking of the  Property
               (as herein  defined) as security  therefor is not  prohibited  by
               law, including but not limited to liabilities for overdrafts, all
               advances made by Bank on Borrower's,  and/or Mortgagor's,  behalf
               as  authorized  by this  Mortgage and  liabilities  as guarantor,
               endorser or surety,  of  Borrower to Bank,  due or to become due,
               direct or indirect, absolute or contingent, primary or secondary,
               liquidated  or  unliquidated,  or  joint,  several,  or joint and
               several.

          E.   Borrower's  performance  of  the  terms  in  the  Note  or  Loan,
               Mortgagor's  performance  of any  terms  in  this  Mortgage,  and
               Borrower's and  Mortgagor's  performance of any terms in any deed
               of  trust,  any  trust  deed,  any  trust  indenture,  any  other
               mortgage,  any deed to secure debt, any security  agreement,  any
               assignment,  any construction loan agreement, any loan agreement,
               any assignment of beneficial interest,  any guaranty agreement or
               any other agreement which secures, guaranties o otherwise relates
               to the Note or Loan.

      However, this Mortgage will not secure another debt:

           A.  if bank fails to make any  disclosure  of the  existence  of this
               Mortgage required by law for such other debt.

4.    CONVEYANCE.  In consideration  of the Loan and Obligations,  and to secure
      the  Obligations  (which includes the Note according to its specific terms
      and the obligations in this Mortgage),  Mortgagor hereby bargains, grants,
      mortgages,  sells,  conveys  and  warrants  to  Bank,  as  Mortgagee,  the
      following  described  property  (Property)  situated  in  JOHNSON  County,
      KANSAS, to-wit:

           LOT 1, BLOCK 2,  MILLWOOD  BUSINESS  PARK FIRST
           PLAT,  A  SUBDIVISION  IN THE CITY OF  SHAWNEE,
           JOHNSON COUNTY, KANSAS.

           The Property may be commonly referred to as
           5425 MARTINDALE, SHAWNEE, KANSAS 66203

           such property not  constituting  the homestead of Borrower,  together
           with all  buildings,  improvements,  fixtures  and  equipment  now or
           hereafter  attached to the Property,  including,  but not limited to,
           all  heating,  air  conditioning,   ventilation,  plumbing,  cooling,
           electrical and lighting fixtures and equipment; all landscaping;  all
           exterior and interior  improvements;  all easements,  issues, rights,
           appurtenances,  rents,  royalties,  oil and gas  rights,  privileges,
           proceeds,  profits,  other minerals,  water,  water rights, and water
           stock,  crops,  grass and timber at any time  growing upon said land,
           including  replacements and additions thereto,  all of which shall be
           deemed to be and remain a part of the Property.  All of the foregoing
           Property  shall  be  collectively  hereinafter  referred  to  as  the
           Property. To have and to hold the Property, together with the rights,
           privileges and appurtenances thereto belonging,  unto Bank forever to
           secure the Obligations.  Mortgagor does hereby warrant and defend the
           Property  unto Bank  forever,  against  any claim or  claims,  of all
           persons claiming or to claim the Property or any part thereof.

<PAGE>


5.   LIENS AND ENCUMBRANCES. Mortgagor warrants and represents that the Property
     Is free and  clear of all  lions  and  encumbrances  whatsoever.  Mortgagor
     agrees to pay all claims  when due that  might  result,  if unpaid,  in the
     foreclosure,  execution or imposition of any lien,  claim or encumbrance on
     or against the Property or any part  thereof.  Mortgagor  may in good faith
     contest  any such lien,  claim or  encumbrance  by  posting  any bond in an
     amount  necessary  to prevent  such claim  from  becoming a lien,  claim or
     encumbrance or to prevent its foreclosure or execution.

6.    WARRANTY  OF TITLE.  Mortgagor  agrees to forever  warrant  and defend the
      title to the Property and  represents  and warrants that  Mortgagor is the
      fee simple  owner of the  Property,  that it is  authorized  to convey the
      Property and that it will forever defend the title against all claims.

7.    CORPORATE WARRANTIES AND  REPRESENTATIONS.  If Mortgagor is a corporation,
      Mortgagor makes to Bank the following warranties and representations which
      shall be continuing so long as the Obligations remain outstanding:

          A.   Mortgagor Is a  corporation  which is duly  organized and validly
               existing in  Mortgagor's-state of incorporation as represented in
               the  DATE  AND  PARTIES  paragraph  above;  Mortgagor  is in good
               standing  under  the  laws  of  all  states  in  which  Mortgagor
               transacts  business;   Mortgagor  has  the  corporate  power  and
               authority to own the Property and to carry on its business as now
               being  conducted;  Mortgagor is qualified to do business in every
               jurisdiction  in which the nature of its business or its property
               makes  such   qualification   necessary;   and  Mortgagor  is  in
               compliance with all laws,  regulations,  ordinances and orders of
               public authorities applicable to it.

          B.   The  execution,  delivery  and  performance  of this  Mortgage by
               Mortgagor and the borrowing evidenced by the Note: (1) are within
               the corporate powers of Mortgagor;  (2) have been duly authorized
               by  all  requisite   corporate  action;  (3)  have  received  all
               necessary   governmental  approval;  (4)  will  not  violate  any
               provision  of law,  any  order of any  court or other  agency  of
               government or Mortgagor's  Articles of  Incorporation  or Bylaws;
               and  (5)  will  not  violate  any  provision  of  any  indenture,
               agreement or other instrument to which Mortgagor is a party or to
               which  Mortgagor  is or any of  Mortgagor's  property is subject,
               Including  but  not  limited  to any  provision  prohibiting  the
               creation or Imposition of any lien,  charge or encumbrance of any
               nature whatsoever upon any of Mortgagor's property or assets. The
               Note and this  Mortgage  when executed and delivered by Mortgagor
               will  constitute  the legal,  valid and  binding  obligations  of
               Mortgagor,  and of the other obligors  named therein,  if any, In
               accordance with their respective terms.

          C.   All other  Information,  reports,  papers  and data given to Bank
               with respect to Mortgagor or to others  obligated under the terms
               of  this  Mortgage  are  accurate  and  correct  in all  material
               respects and complete insofar as completeness may be necessary to
               give Bank a true and accurate knowledge of the subject matter.

          D.   Mortgagor  has not  changed  its name  within the last six years,
               unless otherwise disclosed in writing; other than the trade names
               or fictitious names actually disclosed to Bank prior to execution
               of this Mortgage,  Mortgagor  uses no other names;  and until the
               Obligations  shall  have  been  paid in  full,  Mortgagor  hereby
               covenants  and  agrees  to  preserve  and keep in full  force and
               effect its existing name, corporate existence, rights, franchises
               and trade names, and to continue the operation of Its business in
               the ordinary course.

8.    ASSIGNMENT OF LEASES AND RENTS.  Mortgagor  grants,  bargains,  mortgages,
      sells, conveys, warrants, assigns and transfers as additional security all
      the right, title and interest in and to any and all:

          A.   Existing or future leases,  subleases,  licenses,  guaranties and
               any other written or verbal  agreements for the use and occupancy
               of  any  portion  of  the  Property,  including  any  extensions,
               renewals,  modifications or substitutions of such agreements (all
               referred to as "Leases").

          B.   Rents, issues and profits (all referred to as "Rents"), including
               but not limited to security  deposits,  minimum rent,  percentage
               rent,  additional rent, common area maintenance charges,  parking
               charges,  real estate taxes,  other applicable  taxes,  insurance
               premium  contributions,  liquidated  damages  following  default,
               cancellation premiums, loss of rents, insurance,  guest receipts,
               revenues,   royalties,   proceeds,  bonuses,  accounts,  contract
               rights,  general  intangibles,  and all rights  and claims  which
               Mortgagor  may have that in any way  pertain to or are on account
               of the use or occupancy of the whole or any part of the Property.

      In the event  any item  listed  as  Leases  or Rents is  determined  to be
      personal  property,  this  Mortgage  will also be  regarded  as a security
      agreement.

      Mortgagor  will promptly  provide Bank with true and correct copies of all
      existing and future Leases. Mortgagor may collect,  receive, enjoy and use
      the Rents so long as  Mortgagor  is not in  default.  Except for one lease
      period's  rent,  Mortgagor  will not  collect in advance  any Rents due in
      future lease  periods,  unless  Mortgagor  first  obtains  Bank's  written
      consent. Upon default,  Mortgagor will receive any Rents in trust for Bank
      and  Mortgagor  will not  commingle  the Rents with any other  funds.  Any
      amounts  collected shall be applied at Bank's discretion first to costs of
      managing,  protecting  and  preserving  the  Property,  and to  any  other
      necessary  related  expenses  including  Bank's court costs. Any remaining
      amounts shall be applied to reduce the Obligations.

      Mortgagor agrees that this assignment is immediately effective between the
      parties  to  this  Mortgage  and  effective  as to  third  parties  on the
      recording  of this  Mortgage.  Mortgagor  agrees  that Bank is entitled to
      notify  Mortgagor or Mortgagor's  tenants to make payments of Rents due or
      to become due directly to Bank after such  recording,  however Bank agrees
      not to  notify  Mortgagor's  tenants  until  Mortgagor  defaults  and Bank
      notifies   Mortgagor  of  the  default  and  demands  that  Mortgagor  and
      Mortgagor's  tenants pay all Rents due or to become due  directly to Bank.
      On receiving the notice of default,  Mortgagor will endorse and deliver to
      Bank any payments of Rents. If Mortgagor becomes subject to a voluntary or
      involuntary  bankruptcy,  then  Mortgagor  agrees that Bank is entitled to
      receive  relief from the automatic  stay in bankruptcy  for the purpose of
      enforcing  this  assignment   under  state  and  federal  law  and  within
      Mortgagor's bankruptcy proceedings.

      Mortgagor  warrants  that  no  default  exists  under  the  Leases  or any
      applicable  landlord law.  Mortgagor also warrants and agrees to maintain,
      and to require the tenants to comply with,  the Leases and any  applicable
      law.  Mortgagor  will  promptly  notify  Bank  of  any  noncompliance.  If
      Mortgagor  neglects or refuses to enforce compliance with the terms of the
      Leases, then Bank may opt to enforce compliance to the extent that the law
      permits.   Mortgagor  will  obtain  Bank's  written  authorization  before
      Mortgagor  consents to sublet,  modify,  cancel,  or  otherwise  alter the
      Leases,  to accept the  surrender of the  Property  covered by such Leases
      (unless the Leases so requite),  or to assign,  compromise or encumber the
      Leases  or any  future  Rents.  Mortgagor  will  hold  Bank  harmless  and
      indemnify  Bank for any and all  liability,  loss or damage  that Bank may
      incur as a consequence of the assignment under this paragraph.

9.    EVENTS OF DEFAULT.  Mortgagor  shall be In default upon the  occurrence of
      any of the  following  events,  circumstances  or  conditions  (Events  of
      Default):

          A.   Failure by any party obligated on the Obligations to make payment
               when due; or

          B.   A default  or breach by  Borrower,  Mortgagor  or any  co-signer,
               endorser,  surety,  or  guarantor  under any of the terms of this
               Mortgage, the Note, any construction loan agreement or other loan
               agreement, any security agreement, mortgage, deed to secure debt,
               deed of trust,  trust deed,  or any other  document or Instrument
               evidencing,  guarantying,  securing or otherwise  relating to the
               Obligations; or

          C.   The making or furnishing of any verbal or written representation,
               statement  or  warranty  to Bank  which  is or  becomes  false or
               incorrect In any material  respect by or on behalf of  Mortgagor,
               Borrower, or any one of them, or any co-signer,  endorser, surety
               or guarantor of the Obligations; or

          D.   Failure to obtain or maintain the insurance coverages required by
               Bank,  or Insurance  as is customary  and proper for the Property
               (as herein defined); or

          E.   The death,  dissolution  or insolvency  of, the  appointment of a
               receiver  by or on behalf of, the  assignment  for the benefit of
               creditors  by or on  behalf  of,  the  voluntary  or  Involuntary
               termination  of  existence  by,  or  the   commencement   of  any
               proceeding   under  any  present  or  future   federal  or  state
               Insolvency,  bankruptcy,  reorganization,  composition  or debtor
               relief law by or against Mortgagor, Borrower, or any one of them,
               or  any   co-signer,   endorser,   surety  or  guarantor  of  the
               Obligations; or

          F.   A good  faith  belief by Bank at any time  that Bank is  insecure
               with respect to Borrower, or any co-signer,  endorser,  surety or
               guarantor,  that the  prospect of any payment is impaired or that
               the Property (as herein defined) is impaired; or

          G.   Failure  to  pay  or  provide   proof  of  payment  of  any  tax,
               assessment,  rent, insurance premium, escrow or escrow deficiency
               on or before Its due date; or

          H.   A material  adverse  change in  Mortgagor's  business,  including
               ownership, management, and financial conditions, which in


<PAGE>

               Bank's  opinion,   impairs  the  Property  or  repayment  of  the
               Obligations; or

          I.   A  transfer  of  a  substantial  part  of  Mortgagor's  money  or
               property; or

          J.   If all or any part of the  Properly  or any  interest  therein is
               sold,  leased or transferred by Mortgagor  except as permitted in
               the paragraph below entitled "DUE ON SALE OR ENCUMBRANCE'.

10.  REMEDIES  ON  DEFAULT.  At the  option  of  Bank,  all or any  part  of the
     principal  of, and  accrued  Interest  on,  the  Obligations  shall  become
     Immediately due and payable without notice or demand upon the occurrence of
     an Event  of  Default  or at any time  thereafter.  In  addition,  upon the
     occurrence of any Event of Default,  Bank, at its option,  may  Immediately
     commence  foreclosure  proceedings  and may  immediately  invoke any or all
     other remedies  provided in the Note,  this Mortgage or related  documents.
     Bank is  entitled  to all rights  and  remedies  provided  at law or equity
     whether or not expressly  slated in this Mortgage.  By choosing any remedy,
     Bank does not waive its right to an  immediate  use of any other  remedy if
     the event of default continues or occurs again.

11.  DUE ON SALE OR ENCUMBRANCE.  Bank may, at Bank's option, declare the entire
     balance with all accrued  interest on the Obligations to be immediately due
     and payable upon the contract  for, or creation of, any lien,  encumbrance,
     transfer or sale of the  Property,  or any portion  thereof,  by Mortgagor.
     Lapse of time or the  acceptance of payments by Bank after such creation of
     any  lien,  encumbrance,  transfer  or  sale,  or  contract  for any of the
     foregoing,  shall  not be deemed a waiver or  estoppel  of Bank's  right to
     accelerate  the  Obligations.  If Bank exercises such option to accelerate,
     Bank shall  mail,  by  certified  mail or  otherwise,  Mortgagor  notice of
     acceleration  to the  address of  Mortgagor  shown on Bank's  records;  the
     notice  shall  provide  for a period of not less then 30 days from the date
     the notice is mailed  within which  Mortgagor  shall pay the sums  declared
     due. If Mortgagor  fails to pay such sums prior to the  expiration  of such
     period, Bank may, without further notice or demand on Mortgagor, invoke any
     remedies  permitted on Default.  This covenant  shall run with the Property
     and shall  remain in effect  until the  Obligations  and this  Mortgage are
     fully paid.

      In the preceding  paragraph,  the phrase  "transfer or sale"  includes the
      conveyance  of any  right,  title or  interest  in the  Property,  whether
      voluntary or involuntary,  by outright sale,  deed,  installment  contract
      sale,  land contract,  contract for deed,  leasehold  interest with a term
      greater  than three  years,  lease-option  contract or any other method of
      conveyance  of the  Property  interests;  the  term  "interest"  includes,
      whether legal or  equitable,  any right,  title,  interest,  lien,  claim,
      encumbrance  or  proprietary  right,  choate or inchoate,  any of which is
      superior to the lien created by this Mortgage.

12.  POSSESSION  ON  FORECLOSURE.  If an action Is  brought  to  foreclose  this
     Mortgage for all or any part of the Obligations,  Mortgagor agrees that the
     Bank shall be entitled to Immediate  possession  as Mortgagee In Possession
     of the Property; or the court may appoint, and Mortgagor hereby consents to
     such  appointment,  without  notice,  a receiver to take  possession of the
     Property and to collect and receive  rents and profits  arising  therefrom.
     Any amounts so collected  shall be used to pay taxes on, provide  Insurance
     for, pay costs of needed repairs and for any other expenses relating to the
     Property or the foreclosure proceedings,  sale expenses or as authorized by
     the court.  Any sum  remaining  after such  payments will be applied to the
     Obligations.

13.  PROPERTY OBLIGATIONS.  Mortgagor shall promptly pay all taxes, assessments,
     levies, water rents, other rents, insurance premiums and all amounts due on
     any  encumbrances,  if any,  as they become due.  Mortgagor  shall  provide
     written proof to Bank of such payment(s).

14.  INSURANCE.  Mortgagor  shall insure and keep  insured the Properly  against
     loss by fire, and other hazard,  casualty and loss, with extended  coverage
     including  but not limited to the  replacement  value of all  improvements,
     with an insurance company acceptable to Bank and in an amount acceptable to
     Bank.  Such  insurance  shall contain the standard  "Mortgagee  Clause" and
     where applicable,  "Loss Payee Clause" which shall name and endorse Bank as
     mortgagee  and loss payee.  Such  insurance  shall also contain a provision
     under which the insurer  shall give Bank at least 30 days notice before the
     cancellation, termination or material change in coverage.

     If an insurer  elects to pay a fire or other  hazard  loss or damage  claim
     rather  than to repair,  rebuild or replace the  Property  lost or damaged,
     Bank  shall  have the  option to apply  such  insurance  proceeds  upon the
     Obligations  secured by this Mortgage or to have said Property  repaired or
     rebuilt.  Mortgagor  shall  deliver  or cause to deliver  evidence  of such
     coverage  and copies of all notices and  renewals  relating  thereto.  Bank
     shall be  entitled  to pursue any claim under the  Insurance  if  Mortgagor
     falls to promptly do so.

     Mortgagor  shall pay the premiums  required to maintain  such  insurance in
     effect until such time as the requirement for such insurance terminates. In
     the event  Mortgagor  fails to pay such premiums,  Bank may, at its option,
     pay such premiums.  Any such payment by Bank shall be repayable upon demand
     of Bank or it no demand is made,  in accordance  with the  paragraph  below
     titled "BANK MAY PAY".

15.  WASTE.  Mortgagor  shall not  alienate  or  encumber  the  Property  to the
     prejudice of Bank,  or commit,  permit or suffer any waste,  impairment  or
     deterioration  of the Property,  and  regardless  of natural  depreciation,
     shall  keep the  Property  and all its  improvements  at all  times in good
     condition and repair.  Mortgagor  shall comply with and not violate any and
     all laws and regulations  regarding the use, ownership and occupancy of the
     Property.  Mortgagor  shall  perform  and  abide  by  all  obligations  and
     restrictions   under  any  declarations,   covenants  and  other  documents
     governing the use, ownership and occupancy of the Property.

16.  CONDITION OF PROPERTY. As to the Property, Mortgagor shall:

          A.   keep all buildings  occupied and keep all  buildings,  structures
               and Improvements in good repair.

          B.   retrain from the  commission or allowance of any acts of waste or
               impairment of the value of the Property or Improvements thereon.

          C.   not cut or remove,  or permit to be cut or  removed,  any wood or
               timber  from  the  Property,   which  cutting  or  removal  would
               adversely affect the value of the Property.

          D.   prevent the spread of noxious or  damaging  weeds,  preserve  and
               prevent  the  erosion  of  the  soil  and  continuously  practice
               approved   methods  of  farming  on  the  Property  If  used  for
               agricultural purposes.

17.  ENVIRONMENTAL LAWS AND HAZARDOUS SUBSTANCES.

          A.   As used in this paragraph:

               (1)  "Environmental   Law"   means,   without   limitation,   the
                    Comprehensive  Environmental  Response,   Compensation,  and
                    Liability  Act  ("CERCLA",  42  U.S.C.  9601 et  seq.),  all
                    federal,  state and  local  laws,  regulations,  ordinances,
                    court  orders,  attorney  general  opinions or  interpretive
                    letters  concerning  the  public  health,  safety,  welfare,
                    environment or a Hazardous Substance (as defined herein).

               (2)  "Hazardous  Substance"  means  any  toxic,   radioactive  or
                    hazardous  material,  waste,  pollutant or contaminant which
                    has characteristics  which render the substance dangerous or
                    potentially dangerous to the public health,  safety, welfare
                    or the environment.  The term includes,  without limitation,
                    any  substances  defined  as  "hazardous  material,"  "toxic
                    substances,"  "hazardous  waste"  or  "hazardous  substance"
                    under any Environmental Law.

          B.   Mortgagor represents, warrants and agrees that:

               (1)  Except as previously  disclosed and  acknowledged in writing
                    to Bank,  no  Hazardous  Substance  has been,  is or will be
                    located,  transported,  manufactured,  treated,  refined, or
                    handled by any person on, under or about the Property except
                    in the ordinary course of business and in strict  compliance
                    with all applicable Environmental Law.

               (2)  Except as previously  disclosed and  acknowledged in writing
                    to Bank,  Mortgagor has not and shall not cause,  contribute
                    to or permit the release of any  Hazardous  Substance on the
                    Property.

               (3)  Mortgagor shall Immediately notify Bank if: (a) a release or
                    threatened  release of Hazardous  Substance occurs on, under
                    or about the  Property or migrates or  threatens  to migrate
                    from nearby  property;  or (b) there is a  violation  of any
                    Environmental Law concerning the Property. In such an event,
                    Mortgagor  shall  take  all  necessary  remedial  action  in
                    accordance with any Environmental Law.

               (4)  Except as previously  disclosed and  acknowledged in writing
                    to Bank,  Mortgagor has no knowledge of or reason to believe
                    there is any pending or threatened investigation,  claim, or
                    proceeding  of  any  kind  relating  to  (a)  any  Hazardous
                    Substance located on, under or about the Property or (b) any
                    violation by  Mortgagor  or any tenant of any  Environmental
                    Law.  Mortgagor shall Immediately  notify Bank in writing as
                    soon as  Mortgagor  has reason to believe  there is any such
                    pending or threatened  investigation,  claim, or proceeding.
                    In  such  an  event,   Bank  has  the  right,  but  not  the
                    obligation,  to participate in any such proceeding including
                    the right to receive  copies of any  documents  relating  to
                    such proceedings.



<PAGE>

               (5)  Except as previously  disclosed and  acknowledged in writing
                    to Bank, Mortgagor and every tenant have been, are and shall
                    remain in full compliance with any applicable  Environmental
                    Law.

               (6)  Except as previously  disclosed and  acknowledged in writing
                    to Bank,  there are no underground  storage  tanks,  private
                    dumps or open wells  located on or under the Property and no
                    such  tank,  dump or well shall be added  unless  Bank first
                    agrees in writing.

               (7)  Mortgagor will regularly  inspect the Property,  monitor the
                    activities and operations on the Property,  and confirm that
                    all  permits,   licenses  or   approvals   required  by  any
                    applicable Environmental Law are obtained and complied with.

               (8)  Mortgagor will permit,  or cause any tenant to permit,  Bank
                    or Bank's agent to enter and inspect the Property and review
                    all records at any  reasonable  time to  determine:  (a) the
                    existence,  location and nature of any  Hazardous  Substance
                    on,  under  or  about  the  Property;   (b)  the  existence,
                    location,  nature, and magnitude of any Hazardous  Substance
                    that has been released on, under or about the Property;  (c)
                    whether or not  Mortgagor  and any tenant are in  compliance
                    with any applicable Environmental Law.

               (9)  Upon  Bank's  request,   Mortgagor  agrees,  at  Mortgagor's
                    expense,  to engage a  qualified  environmental  engineer to
                    prepare an environmental audit of the Property and to submit
                    the  results  of such  audit  to  Bank.  The  choice  of the
                    environmental  engineer  who  will  perform  such  audit  Is
                    subject to the approval of Bank.

               (10) Bank has the right,  but not the obligation,  to perform any
                    of   Mortgagor's   obligations   under  this   paragraph  at
                    Mortgagor's expense.

               (11) As a  consequence  of  any  breach  of  any  representation,
                    warranty or promise made in this  paragraph,  (a)  Mortgagor
                    will  indemnify  and hold  Bank  and  Bank's  successors  or
                    assigns  harmless  from  and  against  all  losses,  claims,
                    demands,   liabilities,   damages,   cleanup,  response  and
                    remediation costs, penalties and expenses, including without
                    limitation all costs of litigation and reasonable attorneys'
                    fees to the extent  not  prohibited  by law,  which Bank and
                    Bank's successors or assigns may sustain;  and (b) at Bank's
                    discretion,  Bank may release  this  Mortgage  and in return
                    Mortgagor  will  provide  Bank with  collateral  of at least
                    equal value to the Property secured by this Mortgage without
                    prejudice to any of Bank's rights under this Mortgage.

               (12) Notwithstanding  any  of  the  language  contained  in  this
                    Mortgage to the contrary,  the terms of this paragraph shall
                    survive  any  foreclosure  or  satisfaction  of any  deed of
                    trust,  mortgage or any obligation regardless of any passage
                    of title to Bank or any disposition by Bank of any or all of
                    the  Property.  Any claims and  defenses to the contrary are
                    hereby waived.

18.  INSPECTION  BY  BANK.  Bank or its  agents  may  make or  cause  to be made
     reasonable entries upon the Property and inspect the Property provided that
     Bank shall make  reasonable  efforts to give Mortgagor  prior notice of any
     such inspection.

19.  PROTECTION OF BANK'S SECURITY.  If Mortgagor fails to perform any covenant,
     obligation  or agreement  contained in the Note,  this Mortgage or any loan
     documents  or if any action or  proceeding  is commenced  which  materially
     affects  Bank's  interest in the Property,  including,  but not limited to,
     foreclosure,  eminent domain,  insolvency,  housing or Environmental Law or
     law  enforcement,  or arrangements  or proceedings  involving a bankrupt or
     decedent,  then Bank,  at Bank's sole  option,  may make such  appearances,
     disburse such sums,  and take such action as is necessary to protect Bank's
     Interest.  Mortgagor hereby assigns to Bank any right Mortgagor may have by
     reason of any prior  encumbrance  on the Property or by law or otherwise to
     cure any default under said prior encumbrance. Without Bank's prior written
     consent, Mortgagor will not partition or subdivide the Property,

20.  COLLECTION  COSTS. In the event of default and to the extent not prohibited
     by law,  Mortgagor  agrees to pay reasonable costs incurred to collect this
     debt  or  realize  on  the  security.  This  includes  without  limitation,
     collection  agency fees or attorneys'  fees,  but not both, and other legal
     costs and  expenses  incurred by Bank in  exercising  any remedy under this
     Loan or under  the law.  Any such fees and  expenses  shall be added to the
     principal  amount of the  Obligations and shall accrue interest at the same
     rate  as the  Obligations  and  shall  be  secured  by the  Collateral  and
     Property.

21.  CONDEMNATION.  In the event all or any part of the Property  (including but
     not  limited  to any  easement  therein)  is sought to be taken by  private
     taking or by virtue of the law of eminent  domain,  Mortgagor will promptly
     give  written  notice  to Bank  of the  institution  of  such  proceedings.
     Mortgagor  further  agrees to notify  Bank of any  attempt to  purchase  or
     appropriate the Property or any easement  therein,  by any public authority
     or by any  other  person or  corporation  claiming  or having  the right of
     eminent domain or appropriation.  Mortgagor further agrees and directs that
     all  condemnation  proceeds or  purchase  money which may be agreed upon or
     which  may be found to be due shall be paid to Bank as a  prepayment  under
     the Note.  Mortgagor  also  agrees to  notify  the Bank of any  proceedings
     instituted for the establishment of any sewer, water, conservation,  ditch,
     drainage, or other district relating to or binding upon the Property or any
     part thereof.  All awards payable for the taking of title to, or possession
     of,  or  damage  to all or any  portion  of the  Property  by reason of any
     private taking,  condemnation,  eminent  domain,  change of grade, or other
     proceeding  shall,  at the option of Bank, be paid to Bank.  Such awards or
     compensation  are hereby  assigned to Bank, and judgment  therefor shall be
     entered in favor of Bank.

     When paid, such awards shall be used, at Bank's option,  toward the payment
     of the Obligations or payment of taxes, assessments, repairs or other items
     provided  for in this  Mortgage,  whether due or not, all in such order and
     manner as Bank may determine. Such application or release shall not cure or
     waive any default. In the event Bank deems it necessary to appear or answer
     in any  condemnation  action,  hearing or proceeding,  Mortgagor shall hold
     Bank harmless from and pay all legal expenses, including but not limited to
     reasonable attorneys' fees to the extent not prohibited by law, court costs
     and other expenses.

22.  OTHER  PROCEEDINGS.  If any action or proceeding is commenced to which Bank
     is made or  chooses  to become a party by reason  of the  execution  of the
     Note, this Mortgage, any loan documents or the existence of any Obligations
     or in which Bank deems it necessary to appear or answer in order to protect
     its  interests,  Mortgagor  agrees to pay and to hold Bank harmless for all
     liabilities,  costs and expenses paid or incurred by Bank in such action or
     proceedings.

23.  WAIVER BY  MORTGAGOR.  To the extent not  specifically  prohibited  by law,
     Mortgagor  hereby  waives and  releases  any and all  rights  and  remedies
     Mortgagor may now have or acquire in the future relating to:

          A.   homestead;

          B.   exemptions as to the Property;

          C.   redemption;

          D.   appraisement;

          E.   marshalling of lions and assets; and

          F.   statutes of limitations.

     Mortgagor acknowledges that the Property is not used for either residential
     or agricultural purposes.

     In addition,  redemption by Mortgagor after  foreclosure  sale is expressly
     waived to the extent not prohibited by law.

24.  BANK MAY PAY.  If  Mortgagor  falls to pay when due any of the  items it is
     obligated to pay or fails to perform when  obligated to perform,  Bank may,
     at its option:

          A.   pay,  when due,  installments  of  principal,  interest  or other
               obligations,  in accordance with the terms of any mortgage senior
               to that of Bank's lien interest;

          B.   pay, when due, installments of any real estate tax imposed on the
               Property; or

          C.   pay or perform  any other  obligation  relating  to the  Property
               which affects, at Bank's sole discretion, the interest of Bank in
               the Property.

     Mortgagor  agrees  to  Indemnify  Bank and hold Bank  harmless  for all the
     amounts so paid and for Bank's costs and expenses.

     Such payments when made by Bank shall be added to the principal  balance of
     the  Obligations  and shall bear  interest at the rate  provided for by the
     Note as of the date of such payment.  Such payments shall be a part of this
     lien and shall be secured by this Mortgage,  having the benefit of the lien
     and its  priority.  Mortgagor  agrees to pay and to reimburse  Bank for all
     such payments.


25.  WAIVER OF JURY TRIAL.  To the extent  permitted by law,  Mortgagor and Bank
     hereby waive the rights which the party may


<PAGE>


     have,  to a trial by jury in respect  to any  litigation  arising  from the
     Obligations, or any other agreement executed in conjunction with this Loan.
     Mortgagor  and Bank each  acknowledge  that this  paragraph has either been
     brought to the  attention of each party's  legal counsel or that each party
     had the opportunity to do so.

26.  GENERAL PROVISIONS.

          A.   TIME IS OF THE  ESSENCE.  Time is of the  essence in  Mortgagor's
               performance  of  all  duties  and  obligations  imposed  by  this
               Mortgage.

          B.   NO  WAIVER  BY  BANK.   Bank's  course  of  dealing,   or  Bank's
               forbearance  from,  or delay in,  the  exercise  of any of Bank's
               rights, remedies,  privileges or right to insist upon Mortgagor's
               strict performance of any provisions  contained in this Mortgage,
               or other loan  documents,  shall not be  construed as a waiver by
               Bank, unless any such waiver is in writing and is signed by Bank.
               The  acceptance by Bank of any sum in payment or partial  payment
               on the Obligations  after the balance is due or is accelerated or
               after  foreclosure  proceedings  are filed shall not constitute a
               waiver of Bank's right to require  full and complete  cure of any
               existing default for which such actions by Bank were taken or its
               right to require prompt  payment when due of all other  remaining
               sums due  under  the  Obligations,  nor will it cure or waive any
               default not completely cured or any other defaults, or operate as
               a defense to any  foreclosure  proceedings or deprive Bank of any
               rights,  remedies and  privileges  due Bank under the Note,  this
               Mortgage, other loan documents, the law or equity.

          C.   AMENDMENT.  The provisions  contained in this Mortgage may not be
               amended,  except through a written  amendment  which is signed by
               Mortgagor and Bank.

          D.   INTEGRATION  CLAUSE.  This  written  Mortgage  and all  documents
               executed    concurrently    herewith,    represent   the   entire
               understanding  between the parties as to the  Obligations and may
               not be  contradicted  by evidence of prior,  contemporaneous,  or
               subsequent oral agreements of the parties.

          E.   FURTHER  ASSURANCES.  Mortgagor agrees,  upon request of Bank and
               within the time Bank specifies,  to provide any information,  and
               to execute, acknowledge,  deliver and record or file such further
               instruments or documents as may be required by Bank to secure the
               Note or confirm any lien.

          F.   GOVERNING LAW. This Mortgage shall be governed by the laws of the
               State of  KANSAS,  provided  that  such  laws  are not  otherwise
               preempted by federal laws and regulations.

          G.   FORUM AND VENUE.  In the event of  litigation  pertaining to this
               Mortgage,  the exclusive  forum,  venue and place of jurisdiction
               shall be in the State of KANSAS,  unless otherwise  designated in
               writing by Bank or otherwise required by law.

          H.   SUCCESSORS.  This Mortgage shall inure to the benefit of and bind
               the heirs,  personal  representatives,  successors and assigns of
               the parties;  provided  however,  that  Mortgagor may not assign,
               transfer or delegate any of the rights or obligations  under this
               Mortgage.

          I.   NUMBER AND GENDER.  Whenever used, the singular shall include the
               plural, the plural the singular,  and the use of any gender shall
               be applicable to all genders.

          J.   DEFINITIONS.  The terms  used in this  Mortgage,  it not  defined
               herein,  shall  have  their  meanings  as  defined  in the  other
               documents  executed  contemporaneously,  or in conjunction,  with
               this Mortgage.

          K.   PARAGRAPH  HEADINGS.   The  headings  at  the  beginning  of  any
               paragraph,  or  any  subparagraph,   in  this  Mortgage  are  for
               convenience  only and shall not be dispositive in interpreting or
               construing this Mortgage.

          L.   IF HELD UNENFORCEABLE. If any provision of this Mortgage shall be
               held unenforceable or void, then such provision to the extent not
               otherwise  limited by law shall be severable  from the  remaining
               provisions and shall in no way affect the  enforceability  of the
               remaining provisions nor the validity of this Mortgage.

          M.   CHANGE IN  APPLICATION.  Mortgagor  will  notify  Bank in writing
               prior  to any  change  in  Mortgagor's  name,  address,  or other
               application Information.

          N.   NOTICE.  All notices under this Mortgage must be in writing.  Any
               notice  given by Bank to  Mortgagor  hereunder  will be effective
               upon  personal  delivery or 24 hours after mailing by first class
               United States mail,  postage  prepaid,  addressed to Mortgagor at
               the address  indicated below Mortgagor's name on page one of this
               Mortgage. Any notice given by Mortgagor to Bank hereunder will be
               effective  upon  receipt by Bank at the address  indicated  below
               Bank's name on page one of this  Mortgage.  Such addresses may be
               changed by written notice to the other party.

          O.   FILING AS FINANCING STATEMENT.  Mortgagor agrees and acknowledges
               that this Mortgage also suffices as a financing  statement and as
               such,  may be  filed  of  record  as a  financing  statement  for
               purposes of Article 9 of the KANSAS  Uniform  Commercial  Code. A
               carbon,  photographic  or other  reproduction of this Mortgage is
               sufficient as a financing statement.

27.  ACKNOWLEDGMENT. By the signature(s) below, Mortgagor acknowledges that this
     Mortgage  has been read and agreed to and that a copy of this  Mortgage has
     been received by the Mortgagor.


          MORTGAGOR:

          AFI MORTGAGE CORP. F/K/A CONTINENTAL MORTGAGE
          a Nebraska corporation

                                                       (Corporate Seal*)

               By:  _______________________________________
                      WILLIAM B. MORRIS,
                      SR. VICE PRESIDENT

                    _______________________________________
                      Attest

          (*Corporate seal may be affixed, but failure to affix shall not affect
          validity or reliance.)




     STATE OF             )
                          )    ss:
     COUNTY OF            )

      This instrument was acknowledged before me on _____________________, 19___
by  WILLIAM E.  MORRIS,  SENIOR  VICE  PRESIDENT  OF AFI  MORTGAGE  CORP.  F/K/A
Continental Mortgage, a NEBRASKA corporation , on behalf of said corporation.

                                          ______________________________________
                                               NOTARY PUBLIC
My appointment expires:

_______________________


Please return this document  after  recording to CITIZENS  NATIONAL BANK OF FORT
SCOTT, 200 South Main, P.O. Box 899, Fort Scott, Kansas 66701.

THIS IS THE LAST PAGE OF A 5 PAGE DOCUMENT. EXHIBITS AND/OR ADDENDA MAY FOLLOW.

<PAGE>



--------------------------------------------------------------------------------
LOAN NO. LOAN NAME  ACCOUNT NO. NOTE DATE  RATE   NOTE AMOUNT  MATURITY INITIALS
 12784   ADVANCED               04/01/98   11.75% $725,163.73  10/01/98 JRS

                           (For Bank Purposes Only-AC)
--------------------------------------------------------------------------------

                                 PROMISSORY NOTE
                               (Business Purpose)
                             CITIZENS NATIONAL BANK

--------------------------------------------------------------------------------


1.    DATE AND  PARTIES.  The date of this  Promissory  Note  (Note) is April 1,
      1998. This Note evidences a loan which includes all extensions,  renewals,
      modifications and substitutions  (Loan). The patties to this Note and Loan
      are:

      BORROWER:
          ADVANCED FINANCIAL, INC.
           a Delaware corporation
           5425 Martindale Street
           Shawnee, Kansas 66203
           Tax I.D. # 48-1069416
          AFI MORTGAGE CORP.  F/K/A CONTINENTAL MORTGAGE, INC.
           a Nebraska corporation
           5425 Martindale
           Shawnee, KS 66218
           Tax I.D. #  47-0643940

      BANK:
          CITIZENS NATIONAL BANK
           a national banking association
           7900 Quivera
           Lenexa, Kansas 66215
           Tax I.D. #  48-0168914
           Branch No. 012

2.    PROMISE TO PAY. For value  received,  Borrower  promises to pay to Bank's
      order at its office at the above  address,  or such  other  place as Bank
      may  designate,  the sum of  $725,163.73  (Principal)  plus interest from
      April 1, 1998, on the unpaid principal  balance at the late of 11.75% per
      annum  (Contract  Rate)  until  this Note  matures or the  obligation  is
      accelerated.  After  maturity or  acceleration,  the unpaid balance shall
      bear  interest at the rate of 16.75% per annum,  or if less,  the maximum
      allowable  rate  permitted by law,  until this Note is paid in full.  The
      Loan and this Note are limited to the maximum  lawful  amount of interest
      (Maximum  Lawful  Interest)  permitted  under  federal and state laws. If
      the interest  accrued and collected  exceeds the Maximum Lawful  Interest
      as of the time of collection,  such excess shall be applied to reduce the
      principal amount  outstanding,  unless  otherwise  required by law. If or
      when no principal  amount is  outstanding,  any excess  interest shall be
      refunded to Borrower  according to the actuarial  method.  Interest shall
      be computed on the basis of a 360-day year and the actual  number of days
      elapsed.

      Principal  and accrued  interest  are due and  payable in 5 equal  monthly
      payments of $8,812.01 on the 1st day of each month, beginning May 1, 1998,
      or the day following if the payment day is a holiday or is a  non-business
      day for Bank.  Unless paid prior to maturity,  the last scheduled  payment
      plus all other unpaid principal,  accrued interest, costs and expenses are
      due and payable on October 1, 1996,  which is the date of maturity.  These
      payment  amounts are based upon timely  payment of each  installment.  All
      amounts  shall be paid in legal U.S.  currency.  Any  payment  made with a
      check will constitute payment only when collected.

3.    EFFECT OF  PREPAYMENT.  Borrower may prepay this Loan in full,  subject to
      any prepayment penalty or minimum charge as agreed to below.  However,  no
      partial prepayment shall excuse or defer Borrower's subsequent payments or
      entitle  Borrower to a release of any  collateral.  Interest will cease to
      accrue on the amounts prepaid on the day actually credited by Bank.

4.    RIGHT  TO  PREPAY.  Borrower  may  prepay  this  Note in whole or in part,
      without penalty.

5.    LATE CHARGE.  Borrower agrees to pay Bank a late charge equal to 5% of the
      unpaid installment or $25.00, whichever is less, it payment is not made in
      full on or before 10 days after the scheduled due date.

6.    RETURNED  CHECK  CHARGE.  To the extent not  prohibited  by law,  Borrower
      agrees  to pay Bank  $10.00  for each  check  presented  for  payment  and
      dishonored because of insufficient  funds or no account.  This charge will
      be assessed 14 days after the date of million demand.

7.    EVENTS OF DEFAULT.  Borrower  shall be in default upon the  occurrence of
      any of the  following  events,  circumstances  or  conditions  (Events of
      Default):

      A.  Failure  by  any  party  obligated  on  this  Note  or  any  other
          obligations Borrower has with Bank to make payment where due; or

      B.  A default or breach by Borrower or any co-signer, endorser, surety,
          or  guarantee  under any of the terms of this Note,  any  construction
          loan  agreement  or other  loan  agreement,  any  Security  agreement,
          mortgage, deed to secure debt, deed of trust, trust deed, or any other
          document or instrument evidencing,  guarantying, securing or otherwise
          relating to this Note or any other obligations Borrower has with Bank;
          or  

     C.   The   making  or   furnishing   of  any   verbal  or   written
          representation,  statement  or  warranty  to Bank  which is or becomes
          false  or  incorrect  in  any  material  respect  by or on  behalf  of
          Borrower,  or any one of them, or any co-signer,  endorser,  surety or
          guarantor  of this Note or any  other  obligations  Borrower  has with
          Bank; or

     D.   Failure to obtain or maintain the insurance  coverages  required by
          Bank, or insurance as is customary and proper for any  collateral  (as
          herein defined); or

     E.   The death,  dissolution or insolvency  of, the  appointment of a
          receiver  by or on  behalf  of,  the  assignment  for the  benefit  of
          creditors by or on behalf of, the voluntary or involuntary termination
          of  existence  by, or the  commencement  of any  proceeding  under any
          present   or  future   federal   or  state   insolvency,   bankruptcy,
          reorganization,  composition  or  debtor  relief  law  by  or  against
          Borrower,  or any one of them, or any co-signer,  endorser,  surety or
          guarantor  of this Note or any  other  obligations  Borrower  has with
          Bank; or 

      F.  A good faith belief by Bank at any time that Bank is insecure  with
          respect to Borrower, or any co-signer,  endorser, surety or guarantee,
          that the  prospect of any  payment is impaired or that any  collateral
          (as herein defined) is impaired; or

      G.  Failure  to  pay  or  provide  proof  of  payment  of  any  tax,
          assessment, rent, insurance premium, escrow or escrow deficiency on or
          before its due date; or 

      H.  A  material  adverse  change  in  Borrower's  business,  including
          ownership,  management,  and  financial  conditions,  which in  Bank's
          opinion, impairs any collateral or repayment of the Obligations; or

      I.   A transfer of a substantial part of Borrower's money or property.

8.    REMEDIES ON DEFAULT.  On or after the  occurrence of an Event of Default,
      at the  option  on Bank,  all or any part of the  Principal  and  accrued
      interest on this Note, the Loan and all other  obligations which Borrower
      owes Bank shall  become  immediately  due and payable  without  notice or
      demand.  Bank may  exercise  all rights  and  remedies  provided  by law,
      equity, this Note, any mortgage,  deed of trust or similar instrument and
      any other security,  loan,  guaranty or surety  agreements  pertaining to
      this  Note  and all  other  obligations  of  Borrower  to  Bank.  Bank is
      entitled to all rights and remedies  provided at law or equity whether or
      not  expressly  stated in this Note.  By choosing  any remedy,  Bank does
      not waive its right to an immediate  use of any other remedy if the event
      of  default  continues  or occurs  again.  In  addition  to the  remedies
      provided by law upon default,  Bank also has the right of set-off against
      this Note, including but without limiting the generality,  all money owed
      by Bank to Borrower, whether or not due.

9.    COLLECTION  COSTS.  In  the  event  of  default  and to  the  extent  not
      prohibited by law,  Borrower  agrees to pay reasonable  costs incurred to
      collect  this debt or  realize on the  security.  This  includes  without
      limitation,  collection agency fees or attorneys' fees, but not both, and
      other legal costs and expenses  incurred by Bank in exercising any remedy
      under  this Loan or under the law.  Any such fees and  expenses  shall be
      added to the principal  amount of this Note and shall accrue  interest at
      the same rate as this Note and shall be  secured  by the  Collateral  and
      Property.

10.   NO DUTY BY  BANK.  Bank is  under  no duty  to  preserve  or  protect  any
      Collateral  until Bank is in actual,  or  constructive,  possession of the
      Collateral.
<PAGE>
      or  purposes of this  paragraph,  Bank shall only be  considered  to be in
      "actual"  possession of the Collateral  when Bank has physical,  immediate
      and exclusive control over the Collateral and has  affirmatively  accepted
      such  control.  Bank  shall  only be  considered  to be in  "constructive"
      possession the  Collateral  when Bank has both the power and the intent to
      exercise control over the Collateral.

11.   WAIVER AND CONSENT BY BORROWER AND OTHER SIGNERS.  Regarding this Note, to
      the extent not prohibited by law, Borrower and any other signers:

      A.  waive protest,  presentment for payment,  demand, notice of
          acceleration, notice of intent to accelerate and notice of dishonor.

      B.  consent to any renewals and extensions for payment on this Note,
          regardless of the number of such renewals or extensions.

      C.  consent to Bank's release of any borrower, endorser,  guarantee,
          surety, accommodation maker or any other co-signer.

     D.   consent to the release, substitution or impairment of any collateral.

     E.   consent that Borrower,  or any Borrower herein, is authorized to
          modify the terms of this Note or any instrument securing,  guarantying
          or relating to this Note.

     F.   consent  to  Bank's  right of  set-off  as well as any  right of
          set-off of any bank participating in the Loan.

     G.   consent to any and all sales,  repurchases and participations of
          this Note to any person in any amounts and waive notice of such sales,
          repurchases or participations of this Note.

12.   SECURITY.  This Note is secured  by the  following  type(s)  (or items) of
      property (Collateral):

                                   Real Estate
      The  real  property  portion  of the  Collateral  includes  the  following
      described property (Property) situated in JOHNSON County, KANSAS, to-wit:

           Lot 1, Block 2, MILLWOOD  BUSINESS PARK FIRST PLAT, a subdivision in
           the city of Shawnee, Johnson County, Kansas.

           The Property may be commonly referred to as 5425
           Martindale, Shawnee, Kansas

      The  term  "Collateral"  further  includes,  but is not  limited  to,  the
      following property,  whether now owned or hereafter acquired,  and whether
      or not held by a bailee  for the  benefit  of the  Owner or  Owners,  all:
      accessions,   accessories,   additions,   fittings,  increases,  insurance
      benefits  and  proceeds,  parts,  products,   profits,   renewals,  rents,
      replacements, special tools and substitutions, together with all books and
      records   pertaining  to  the  Collateral  and  access  to  the  equipment
      containing such books and records  including  computer stored  information
      and all software relating thereto, plus all cash and non-cash proceeds and
      all  proceeds of  proceeds  arising  from the type(s)  (items) of property
      listed above.

      This Note is secured by the following described real estate documents: (1)
      REAL ESTATE  MORTGAGE  EXECUTED BY AFI MORTGAGE CORP.,  F/K/A  CONTINENTAL
      MORTGAGE ON FEBRUARY 3, 1997 FOR  $739,031.00 AND RECORDED IN THE REGISTER
      OF DEEDS FOR JOHNSON COUNTY ON FEBRUARY 14, 1997 AS DOCUMENT #2677207,  IN
      BOOK  5109,  AT PAGE 99. (2)  SUBORDINATION  AGREEMENT  EXECUTED  BY FIRST
      MORTGAGE  DIVESTMENT,  CO. ON FEBRUARY 3, 1997  SUBORDINATING  THEIR FIRST
      MORTGAGE THAT WAS RECORDED IN THE REGISTER OF DEEDS FOR JOHNSON  COUNTY ON
      APRIL 10,  1996 AS  DOCUMENT  #2585617 IN BOOK 4846 AT PAGE 23 TO CITIZENS
      NATIONAL BANK.

13.   PAYMENTS  APPLIED.  All  payments,  including  but not  limited to regular
      payments or prepayments, received by Bank shall be applied first to costs,
      then to interest and the balance, it any, to Principal except as otherwise
      required by law.

14.   LOAN PURPOSE.  Borrower  represents  and warrants that the purpose of this
      Loan is renewal of Note #12558 with an increase  which was origin any used
      refinance mortgage.

15.   JOINT AND SEVERAL.  Borrower,  and any one of them,  or any other  signers
      shall be jointly and severally liable under this Note.

16.   FINANCIAL  STATEMENTS.  Until this Note is paid, in full,  Borrower  shall
      furnish Bank upon Bank's request and in the event at no request,  at least
      annually a current financial  statement which is certified by Borrower and
      Borrower's accountant to be true, complete and accurate.
17.

<PAGE>


GENERAL PROVISIONS.

     A.   TIME  IS  OF  THE  ESSENCE. Time  is  of  the  essence  in Borrower's
                performance of all duties and obligations imposed by this Note.

     B.   NO  WAIVER  BY  BANK.  Bank's  course  of  dealing,   or  Bank's
          forbearance  from, or delay in, the exercise of any of Bank's  rights,
          remedies,  privileges  or  right  to  insist  upon  Borrower's  strict
          performance  of any  provisions  contained in this Note, or other loan
          documents, shall not be construed as a waiver by Bank, unless any such
          waiver is in writing and is signed by Bank.

     C.   AMENDMENT. The  provisions contained in this Note may not be amended,
          except  through a written  amendment  which is signed by Borrower  and
          Bank.

     D.   INTEGRATION CLAUSE. This written Note and all documents executed
          concurrently herewith,  represent the entire understanding between the
          parties is to the  Obligations and may not be contradicted by evidence
          of  prior,  contemporaneous,  or  subsequent  oral  agreements  of the
          parties.

     E.   FURTHER  ASSURANCES.  Borrower agrees,  upon request of Bank and
          within the time Bank  specifies,  to provide any  information,  and to
          execute,  acknowledge,   deliver  and  record  or  file  such  further
          instruments  or  documents  as may be  required by Bank to secure this
          Note or confirm any lien.

     F.   GOVERNING LAW. This Note shall be governed by the laws of the State
          of KANSAS,  provided that such laws ate not otherwise preempted by 
          federal laws and regulations.

     G.   FORUM AND VENUE.  In the event of litigation  pertaining to this
          Note, the exclusive forum, venue and place of jurisdiction shall be in
          the State of KANSAS, unless otherwise designated in writing by Bank or
          otherwise required by law.

     H.   SUCCESSORS. This Note shall inure to the benefit of and bind the
          heirs,  personal  representatives,   successors  and  assigns  of  the
          parties;  provided however, that Borrower may not assign,  transfer or
          delegate any of the rights or obligations under this Note.

     I.   NUMBER  AND  GENDER.  Whenever  used,  the  singular  shall  include
          the plural,  the  singular,  and the  use of any  gender  shall  be
          applicable to all genders.

     J.   DEFINITIONS. The terms used in this Note, if not defined herein,
          shall have their meanings as defined in the other  documents  executed
          contemporaneously, or in conjunction, with this Note.

     K.   PARAGRAPH HEADINGS. The headings at the beginning of any paragraph, or
          any subparagraph,  in this Note are for convenience only and shall not
          be dispositive in interpreting or construing this Note.

     L.   IF HELD  UNENFORCEABLE.  If any  provision of this Note shall be
          found  unenforceable  or void,  then such  provision to the extent not
          otherwise  limited  by law  shall  be  severable  from  the  remaining
          provisions  and  shall  in no way  affect  the  enforceability  of the
          remaining provisions nor the validity of this Note.

     M.   CHANGE IN  APPLICATION.  Borrower  will  notify  Bank in writing
          prior to any change in Borrower's name,  address, or other application
          information.

     N.   NOTICE.  All notices under this Note must be in writing.  Any  notice
          given by Bank to Borrower  hereunder  will be effective  upon personal
          delivery or 24 hours after  mailing by first class United States mail,
          postage prepaid,  addressed to Borrower at the address indicated below
          Borrower's name on page one of this Note. Any notice given by Borrower
          to  Bank  hereunder  will be  effective  upon  receipt  by Bank at the
          address  indicated  below  Bank's name on page one of this Note.  Such
          addresses may be changed by written notice to the other party.

     O.   HOLDER.  The  term  "Bank"  shall  include  any  transferee  and
          assignee of Bank or other holder of this Note.

     P.   BORROWER  DEFINED.  The term "Borrower" includes each and every
          person signing this Note as a Borrower and any co-signers.

18.   WAIVER OF JURY TRIAL.  To the extent  permitted by law,  Borrower and Bank
      hereby waive the right, which either party may have, to a trial by jury in
      respect to any  litigation  arising from this Note or any other  agreement
      executed in conjunction with this Loan. Borrower and Bank each acknowledge
      that this  paragraph  has either  been  brought to the  attention  of each
      party's legal counsel or that each party had the opportunity to do so.

19.   RECEIPT OF COPY. By signing below, Borrower acknowledges that Borrower has
      read and received a copy of this Note.

          BORROWER:

          ADVANCED FINANCIAL, INC.                  (Corporate Seal*)
          a Delaware corporation


             By:    /s/ William B. Morris
                    _____________________________________ 
                    WILLIAM B. MORRIS, SR. VICE PRESIDENT



<PAGE>





                    _______________________________________
                    Attest

          (Corporate seal may be affixed,  but failure to affix shall not affect
          validity or reliance.)

          AFI MORTGAGE CORP. F/K/A CONTINENTAL MORTGAGE, INC.
          a Nebraska corporation


             By:    /s/ William B. Morris
                    ______________________________________
                    WILLIAM B. MORRIS, SR. VICE PRESIDENT


                    ______________________________________
                    Attest

          (Corporate seal may be affixed,  but failure to affix shall not affect
          validity or reliance.)



          THIS IS THE LAST PAGE OF A 3 PAGE DOCUMENT.  EXHIBITS  AND/OR ADDENDA
          MAY FOLLOW.

<PAGE>

                                     

--------------------------------------------------------------------------------
LOAN NO. LOAN NAME  ACCOUNT NO. NOTE DATE  RATE   NOTE AMOUNT  MATURITY INITIALS
12586    ADVANCED               02/03/98   11.75% $739,031.00  03/29/98 JRS
         FINANCIAL


                           (For Bank Purposes Only-AC)
--------------------------------------------------------------------------------

                                 PROMISSORY NOTE
                               (Business Purpose)
                      CITIZENS NATIONAL BANK OF FORT SCOTT

--------------------------------------------------------------------------------


1.    DATE AND PARTIES.  The date of this  Promissory Note (Note) is February 3,
      1997. This Note evidences a loan which includes all extensions,  renewals,
      modifications and substitutions  (Loan). The parties to this Note and Loan
      are:

      BORROWER:
          ADVANCED FINANCIAL, INC.
           a DELAWARE corporation
           5425 MARTINDALE STREET
           SHAWNEE, KANSAS 66203
          AFI MORTGAGE CORP.  F/K/A CONTINENTAL MORTGAGE
           a NEBRASKA corporation
           5425 MARTINDALE
           SHAWNEE, KS 66218

      BANK:
          CITIZENS NATIONAL BANK OF FORT SCOTT
           a national banking association
           200 South Main
           P.O. Bxo 899
           Fort Scott, Kansas 66701

2.   PROMISE TO PAY.For value received, Borrower promises to pay to Bank's order
     at its  office  at the  above  address,  or such  other  place  as Bank may
     designate,  the sum of $739,031.00  (Principal) plus interest from February
     3, 1997,  on the unpaid  principal  balance at the rate of 11.75% per annum
     (Contract  Rate) until this Note matures or the obligation is  accelerated.
     After maturity or  acceleration,  the unpaid balance shall continue to bear
     interest at the Contract Rate until this Note is paid in full. The Loan and
     this Note are limited to the  maximum  lawful  amount of interest  (Maximum
     Lawful  Interest)  permitted  under federal and state laws. If the interest
     accrued and collected exceeds the Maximum Lawful Interest as of the time of
     collection,  such excess  shall be applied to reduce the  principal  amount
     outstanding,  unless  otherwise  required by law.  If or when no  principal
     amount is  outstanding,  any excess  interest shall be refunded to Borrower
     according to the actuarial method.  Interest shall be computed on the basis
     of a 360-day year and the actual number of days elapsed.

     A.   BORROWER AGREES TO MAKE THIRTEEN (13) MONTHLY  PRINCIPAL  AND INTEREST
          PAYMENTS OF $8,812.01  BEGINNING  FEBRUARY 28, 1997.  ALL OTHER UNPAID
          RINCIPAL AND ACCRUED  INTEREST SHALL BE DUE IN FULL ON MARCH 28, 1998,
          WHICH  IS THE  DATE OF  MATURITY.  ALL  AMOUNTS  SHALL BE PAID IN U.S.
          CURRENCY.  ANY PAYMENT MADE WITH A CHECK WILL CONSTITUTE  PAYMENT ONLY
          WHEN COLLECTED.

3.   EFFECT OF PREPAYMENT. Borrower may prepay this Loan in full, subject to any
     prepayment  penalty  or  minimum  charge as agreed  to below.  However,  no
     partial prepayment shall excuse or defer Borrower's  subsequent payments or
     entitle  Borrower to a release of any  collateral.  Interest  will cease to
     accrue on the amounts prepaid on the day actually credited by Bank.

4.   RIGHT TO PREPAY. Borrower may prepay this Note in whole or in part, without
     penalty. 

5.   LATE CHARGE.  Borrower  agrees to pay Bank a late charge equal to 5% of the
     unpaid installment or $25.00,  whichever is less, if payment is not made in
     full on or before 10 days after the scheduled due date.

6.   RETURNED CHECK CHARGE. To the extent not prohibited by law, Borrower agrees
     to pay Bank $10.00 for each check  presented  for  payment  and  dishonored
     because of insufficient  funds or no account.  This charge will be assessed
     14 days after the date of million demand.

7.   EVENTS OF DEFAULT.  Borrower shall be in default upon the occurrence of any
     of the following events, circumstances or conditions (Events of Default):

     A.   Failure by any party  obligated on this Note or any other  obligations
          Borrower has with Bank to make payment where due; or


<PAGE>

     B.   A default or breach by Borrower or any co-signer, endorser, surety, or
          guarantor under any of the terms of this Note, any  construction  loan
          agreement or other loan agreement,  any Security agreement,  mortgage,
          deed to secure debt, deed of trust,  trust deed, or any other document
          or instrument evidencing,  guarantying, securing or otherwise relating
          to this Note or any other obligations Borrower has with Bank; or
     
     C.   The making or  furnishing  of any  verbal or  written  representation,
          statement  or warranty to Bank which is or becomes  false or incorrect
          in any  material  respect by or on behalf of  Borrower,  or any one of
          them, or any co-signer,  endorser, surety or guarantor of this Note or
          any other obligations Borrower has with Bank; or

     D.   Failure to obtain or  maintain  the  insurance  coverages  required by
          Bank, or insurance as is customary and proper for any  collateral  (as
          herein defined); or

     E.   The death, dissolution or insolvency of, the appointment of a receiver
          by or on behalf of, the  assignment for the benefit of creditors by or
          on behalf of, the voluntary or  involuntary  termination  of existence
          by, or the  commencement of any proceeding under any present or future
          federal or state insolvency, bankruptcy,  reorganization,  composition
          or debtor  relief law by or against  Borrower,  or any one of them, or
          any co-signer, endorser, surety or guarantor of this Note or any other
          obligations Borrower has with Bank; or

     F.   A good  faith  belief by Bank at any time that Bank is  insecure  with
          respect to Borrower, or any co-signer,  endorser, surety or guarantee,
          that the  prospect of any  payment is impaired or that any  collateral
          (as herein defined) is impaired; or

     G.   Failure  to pay or provide  proof of  payment of any tax,  assessment,
          rent, insurance premium,  escrow or escrow deficiency on or before its
          due date; or

     H.   A material adverse change in Borrower's business, including ownership,
          management, and financial conditions, which in Bank's opinion, impairs
          any collateral or repayment of the Obligations; or

     I.   A transfer of a substantial part of Borrower's money or property.

8.   LOAN FEE.  Borrower  has  agreed to pay Bank a  non-refundable  loan fee of
     $10,875.00,  which will either be paid in cash upon execution of this Note,
     or be financed as a portion of the Principal

9.   REMEDIES ON DEFAULT.  On or after the occurrence of an Event of Default, at
     the option on Bank,  all or any part of the Principal and accrued  interest
     on this Note, the Loan and all other  obligations  which Borrower owes Bank
     shall become immediately due and payable without notice or demand. Bank may
     exercise all rights and remedies  provided by law,  equity,  this Note, any
     mortgage, deed of trust or similar instrument and any other security, loan,
     guaranty  or  surety  agreements  pertaining  to this  Note  and all  other
     obligations  of  Borrower  to Bank.  Bank is  entitled  to all  rights  and
     remedies  provided at law or equity whether or not expressly stated in this
     Note. By choosing any remedy, Bank does not waive its right to an immediate
     use of any other remedy if the event of default  continues or occurs again.
     In addition to the remedies provided by law upon default, Bank also has the
     right of set-off  against  this Note,  including  but without  limiting the
     generality, all money owed by Bank to Borrower, whether or not due.

10.  COLLECTION  COSTS. In the event of default and to the extent not prohibited
     by law,  Borrower  agrees to pay reasonable  costs incurred to collect this
     debt  or  realize  on  the  security.  This  includes  without  limitation,
     collection  agency fees or attorneys'  fees,  but not both, and other legal
     costs and  expenses  incurred by Bank in  exercising  any remedy under this
     Loan or under  the law.  Any such fees and  expenses  shall be added to the
     principal amount of this Note and shall accrue interest at the same rate as
     this Note and shall be secured by the Collateral and Property.

11.  NO  DUTY  BY  BANK.Bank  is  under  no  duty to  preserve  or  protect  any
     Collateral.

                                       2
<PAGE>

     until Bank is in actual, or constructive, possession of the Collateral. For
     purposes of this paragraph, Bank shall only be considered to be in "actual"
     possession  of  the  Collateral  when  Bank  has  physical,  immediate  and
     exclusive control over the Collateral and has  affirmatively  accepted such
     control.  Bank shall only be considered to be in "constructive"  possession
     the  Collateral  when Bank has both the power  and the  intent to  exercise
     control over the Collateral.

12.  WAIVER AND CONSENT BY BORROWER AND OTHER  SIGNERS.  Regarding this Note, to
     the extent not prohibited by law, Borrower and any other signers:

     A.   waive   protest,   presentment   for   payment,   demand,   notice  of
          acceleration, notice of intent to accelerate and notice of dishonor.

     B.   consent  to any  renewals  and  extensions  for  payment on this Note,
          regardless of the number of such renewals or extensions.

     C.   consent  to  Bank's  release  of any  borrower,  endorser,  guarantee,
          surety, accommodation maker or any other co-signer.

     D.   consent to the release, substitution or impairment of any collateral.

     E.   consent that Borrower, or any Borrower herein, is authorized to modify
          the  terms of this Note or any  instrument  securing,  guarantying  or
          relating to this Note.

     F.   consent to Bank's  right of set-off as well as any right of set-off of
          any bank participating in the Loan.

     G.   consent to any and all sales,  repurchases and  participations of this
          Note to any  person in any  amounts  and waive  notice of such  sales,
          repurchases or participations of this Note.

13.   SECURITY.  This Note is secured  by the  following  type(s)  (or items) of
      property (Collateral):

                                   Real Estate
      The  real  property  portion  of the  Collateral  includes  the  following
      described property (Property) situated in JOHNSON County, KANSAS, to-wit:

           Lot 1, Block 2, MILLWOOD BUSINESS PARK FIRST PLAT, A
           SUBDIVISION IN THE CITY OF SHAWNEE, JOHNSON COUNTY,
           KANSAS.

           The Property may be commonly referred to as 5425
           MARTINDALE, SHAWNEE, KANSAS

      The  term  "Collateral"  further  includes,  but is not  limited  to,  the
      following property,  whether now owned or hereafter acquired,  and whether
      or not held by a bailee  for the  benefit  of the  Owner or  Owners,  all:
      accessions,   accessories,   additions,   fittings,  increases,  insurance
      benefits  and  proceeds,  parts,  products,   profits,   renewals,  rents,
      replacements, special tools and substitutions, together with all books and
      records   pertaining  to  the  Collateral  and  access  to  the  equipment
      containing such books and records  including  computer stored  information
      and all software relating thereto, plus all cash and non-cash proceeds and
      all  proceeds of  proceeds  arising  from the type(s)  (items) of property
      listed above.

      This Note is secured by the following  described real estate documents: A
      SEPARATE REAL ESTATE MORTGAGE DATED FEBRUARY 3, 1997.

14.   PAYMENTS  APPLIED.  All  payments,  including  but not  limited to regular
      payments or prepayments,  received by Bank shall be applied first to costs
      and  then in an  appropriate  manner  as  determined  by Bank in its  sole
      discretion except as otherwise required by law.

15.   LOAN PURPOSE.  Borrower  represents and warrants that the proceeds of this
      Note shall only be used for business purposes.

16.   JOINT AND SEVERAL.  Borrower,  and any one of them,  or any other  signers
      shall be jointly and severally liable under this Note.

17.   FINANCIAL  STATEMENTS.  Until this Note is paid, in full,  Borrower  shall
      furnish Bank upon Bank's request and in the event at no request,  at least
      annually a current financial  statement which is certified by Borrower and
      Borrower's accountant to be true, complete and accurate.

18.   GENERAL PROVISIONS.

      A.  TIME  IS  OF  THE  ESSENCE.  Time  is of  the  essence  in  Borrower's
          performance of all duties and obligations imposed by this Note.
 
                                      3

<PAGE>

      B.  NO WAIVER BY BANK.  Bank's  course of dealing,  or Bank's  forbearance
          from,  or delay in, the  exercise of any of Bank's  rights,  remedies,
          privileges or right to insist upon  Borrower's  strict  performance of
          any provisions contained in this Note, or other loan documents,  shall
          not be  construed  as a waiver by Bank,  unless any such  waiver is in
          writing and is signed by Bank.

     C.   AMENDMENT.  The provisions  contained in this Note may not be amended,
          except  through a written  mendment  which is signed by  Borrower  and
          Bank.

     D.   INTEGRATION  CLAUSE.  This  written  Note and all  documents  executed
          concurrently herewith,  represent the entire understanding between the
          parties as to the  Obligations and may not be contradicted by evidence
          of  prior,  contemporaneous,  or  subsequent  oral  agreements  of the
          parties.

     E.   FURTHER  ASSURANCES.  Borrower agrees, upon request of Bank and within
          the time Bank specifies,  to provide any Information,  and to execute,
          acknowledge,  deliver and record or file such further  Instruments  or
          documents  as may be  required  by Bank to secure this Note or confirm
          any lion.

     F.   GOVERNING LAW. This Note shall be governed by the laws of the State of
          KANSAS, provided that such laws are not otherwise preempted by federal
          laws and regulations.

`    G.   FORUM AND VENUE.  In the event of litigation  pertaining to this Note,
          the exclusive forum,  venue and place of jurisdiction  shall be in the
          State of KANSAS,  unless  otherwise  designated  in writing by Bank or
          otherwise required by law.

     H.   SUCCESSORS.  This  Note  shall  inure to the  benefit  of and bind the
          heirs,  personal  representatives,   successors  and  assigns  of  the
          parties;  provided however, that Borrower may not assign,  transfer or
          delegate any of the rights or obligations under this Note.

     I.   NUMBER AND GENDER.  Whenever  used,  the  singular  shall  include the
          plural,  the plural the  singular,  and the use of any gender shall be
          applicable to all genders.

     J.   DEFINITIONS. The terms used in this Note, if not defined herein, shall
          have  their  meanings  as  defined  in the  other  documents  executed
          contemporaneously, or in conjunction, with this Note.

     K.   PARAGRAPH HEADINGS. The headings at the beginning of any paragraph, or
          any subparagraph,  in this Note are for convenience only and shall not
          be dispositive in interpreting or construing this Note.

     L.   IF HELD  UNENFORCEABLE.  If any  provision  of this Note shall be held
          unenforceable or void, then such provision to the extent not otherwise
          limited by law shall be severable  from the remaining  provisions  and
          shall in no way affect the enforceability of the remaining  provisions
          nor the validity of this Note.

     M.   CHANGE IN  APPLICATION.  Borrower will notify Bank in writing prior to
          any  change  in  Borrower's  name,  address,   or.  other  application
          information.

     N.   NOTICE.  All notices  under this Note must be in  writing.  Any notice
          given by Bank to Borrower  hereunder  will be effective  upon personal
          delivery or 24 hours after  mailing by first class United States mail,
          postage prepaid,  addressed to Borrower at the address indicated below
          Borrower's name on page one of this Note. Any notice given by Borrower
          to  Bank  hereunder  will be  effective  upon  receipt  by Bank at the
          address  indicated  below  Bank's name on page one of this Note.  Such
          addresses may be changed by written notice to the other party.

     O.   HOLDER.  The term "Bank" shall include any  transferee and assignee of
          Bank or other holder of this Note.

     P.   BORROWER DEFINED.  The term "Borrower"  includes each and every person
          signing this Note as a Borrower and any co-signers,

19.  WAIVER OF JURY TRIAL.  To the extent  permitted by law,  Borrower and Bank
     hereby waive the right, which either party may have, to a trial by jury in
     respect to any  litigation  arising from this Note or any other  agreement
     executed in conjunction with this Loan. Borrower and Bank each acknowledge
     that this  paragraph  has either  been  brought to the  attention  of each
     party's legal counsel or that each party had the opportunity to do so.
 
                                      4

<PAGE>

20.  RECEIPT OF COPY. By signing below, Borrower acknowledges that Borrower has
     read and received a copy of this Note.


          BORROWER:

          ADVANCED FINANCIAL, INC.                  (Corporate Seal*)
          a NEBRASKA corporation


             By: /s/ William B. Morris
                 ____________________________________
                 WILLIAM B. MORRIS, SR. VICE PRESIDENT


                Attest


          (Corporate seal may be affixed,  but failure to affix shall not affect
          validity or reliance.)


          AFI MORTGAGE CORP. F/K/A CONTINENTAL MORTGAGE, INC.
          a Nebraska corporation


             By: /s/ William B. Morris
                 _____________________________________
                 WILLIAM B. MORRIS, SR. VICE PRESIDENT


                Attest

          (Corporate seal may be affixed,  but failure to affix shall not affect
          validity or reliance.)

          THIS  IS  THE  LAST  PAGE  OF A 3  PAGE  DOCUMENT.  EXHIBITS  AND/OR
          ADDENDA MAY FOLLOW.


                                       5