10.12


   Contract No. 8071
                           CAPTEC
                   Financial Group, Inc.


                            September 4, 1998


   Roma Restaurant Holdings, Inc.
   9304 Forest Lane
   Suite 200
   Dallas, Texas 75243

   Attention: David Short

         Re: Commitment

   Dear Mr. Short:

       In reliance upon the representations and warranties made by
   Romacorp, Inc., a Delaware corporation ("Lessee"), in Lessee's
   application package and any other documents provided to Captec
   Financial Group, Inc., a Michigan corporation ("Lessor"), Lessor
   agrees to purchase and lease the Properties (described below) and
   Lessee agrees to sell and leaseback the Properties, in accordance with
   the following terms and conditions:

   LESSEE:          Romacorp, Inc.
                    9304 Forest Lane
                    Suite 200
                    Dallas, Texas 75243
                    Phone Number (214) 343-7800
                    Facsimile Number: (214) 343-7777

   PROPERTIES:          Eleven (11) Tony Roma's restaurants
                       ("Improvements") to be located at sites to
                       be determined ("Real Estate"), together
                       with all beneficial  easements and
                       appurtenances thereto (the Improvements and
                       Real Estate as  to each site is referred to
                       as "Property"). The Property will be more
                       particularly described in the commitment to
                       issue an owner's policy of title insurance
                       as required by Section 2(b) of the attached
                       General Conditions.

   PURCHASE PRICE:     Not to exceed One Million Seven Hundred
                       Fifty Thousand and 00/100  Dollars
                       ($1,750,000.00) per Property, or Nineteen
                       Million Two Hundred Fifty Thousand and
                       00/100 Dollars ($19,250,000.00) in
                       aggregate, but in no event will the
                       Purchase Price for a Property exceed the
                       lesser of (i) actual certified cost, or
                       (ii) the appraised value set forth in the
                       appraisal required   by Section '(a) of the
                       attached General Conditions. Lessor will
                       make up to  five (a) monthly disbursements
                       to reimburse Lessee for costs related to
                       the  acquisition of the Real Estate and the
                       construction of the Improvements for  the
                       Property. Disbursements will be made in
                       accordance with a Disbursement Agreement
                       satisfactory to Lessor and Lessee.

   CLOSING DATE:       On or before June 30, 2000. Lessee shall
                       complete construction of the Improvements
                       for all Properties on or before December
                       31, 2000.


<PAGE>
LEASE:               Lessee and Lessor will enter into Lessor's
                      standard form of Lease and Disbursement Agreement.
                      The Leases and Disbursement Agreements will
                      include the terms and provisions outlined below.
                      The Leases will be absolute, triple net leases.

LEASE TERM:          The Interim Lease Term for a Property shall
                     commence on the Closing Date on which the Lessor
                     acquires the Real Estate and shall continue
                     through the last day of the month in which Lessee
                     shall complete construction the Improvements and
                     receive the final disbursement of funds for
                     construction costs related to the Improvements (in
                     accordance with the related Disbursement
                     Agreement); provided, however, in no event shall
                     the Interim Lease Term for the Lease extend beyond
                     five (5) months. The Lease Term for a Property
                     shall commence on the day following the expiration
                     of the Interim Lease Term, and shall continue for
                     fifteen (15) years with two (2) renewal options of
                     five (5) years each.

   RENT:             Minimum Annual Rent will be due and payable upon
                     commencement of the Lease Term and will equal ten
                     and 00/100 percent (10.00%) of the Purchase Price
                     of the Real Estate and the total of disbursements
                     by Lessor to Lessee for hard costs and soft costs
                     related to construction of the Improvements.
                     Minimum Annual Rent will be payable in monthly
                     installments on the first day of each month by
                     electronic funds transfer. Minimum Annual Rent
                     will be increased six and 00/100 percent (6.00%)
                     on the third anniversary date of the Lease Term
                     and six and 00/100 percent (6.00%) every three
                     years thereafter. Minimum Annual Rent for the
                     renewal option periods shall be set at fair market
                     value.

               Interim Rent for the Interim Lease Term shall be
               payable to Lessor monthly in an amount equal to
               one and 3/4ths percent (1.75%) over the Prime Rate
               in existence on the first day of that month
               divided by 12 and multiplied by the average
               monthly balance of the total advances made by
               Lessor for the Purchase Price of the Real Estate
               and disbursements for all costs related to
               construction of the Improvements. Rent shall
               accrue during the interim period and will be added
               to the total purchase price advanced by Lessor.
               The first monthly installment of Minimum Annual
               Rent shall be due and payable upon commencement of
               the Lease Term.

   FEES AND EXPENSES   A Commitment Fee of One Hundred Ninety Two
                       Thousand Five Hundred and 00/100 Dollars
                       ($192,500.00) is due and payable to Lessor as
                       follows: (a) Seventy Thousand and 00/100 Dollars
                       ($70,000.00), which will be applied to the first
                       eight (8) properties to be acquired and funded at
                       the rate of one half of one percent of the
                       property cost, is due and payable concurrent with
                       the return of this Commitment by Lessee; (b) the
                       balance of the fee (applicable to the first eight
                       (8) properties) due in the aggregate amount of
                       Seventy Thousand and 00/100 Dollars ($70,000.00)
                       is due and payable on a prorate basis (one half of
                       one percent) on the closing of each  Property; (c)
                       provided that the initial minimum annual rent for
                       the final three properties has not been increased
                       or if increased, is acceptable to the Lessee, the
                       remaining balance of the Commitment Fee in the
                       amount of Fifty Two Thousand Five Hundred and
                       00/100 Dollars ($52,500.00) is due and payable on
                       a prorate basis on the closing of each Property.
                       In addition  Lessor agrees that Lessee may fix the
                       initial minimum annual rent and interim rent for
                       a twelve (12) month period on the remaining three
                       (3) Leases (subject to fluctuation in market
                       capitalization rates) on or after the Commitment
                       and upon payment of one half of the applicable
                       unpaid Commitment Fee. No portion of the
                       Commitment Fee will be refunded or rebated to
                       Lessee by Lessor.

                       A Construction Funding Fee of Forty Eight Thousand
                       One Hundred Twenty Five and 00/100 Dollars
                       ($48,125.00) is due and payable on a pro-rata
                       basis at the closing of each Property.

                       Upon expiration of the Commitment, any unpaid
                       balance of the Commitment Fee and/or Construction
                       Financing Fee shall be immediately due and payable
                       to Lender.

   GENERAL CONDITIONS:
                    This Commitment is supplemented by and subject to
                    the attached Genera Conditions. The General
                    Conditions are incorporated into the terms and
                    provisions of this Commitment.

   SPECIFIC CONDITIONS:
                    Lessor's obligation to close on the transactions
                    described in this Commitment is further
                    conditioned upon the following:

                    All agreements between Lessee (or its affiliates)
                    Lessor (or its affiliates), shall be cross-
                    collateralized and cross-defaulted.

                   During the term of this Commitment and throughout
                   the term of the Lease, Lessee and consolidated
                   affiliates shall provide Lessor with quarterly
                   management prepared and management certified
                   interim financial statements for the first three
                   quarters of each fiscal year of the Lessee. Such
                   financial statements are to be delivered to Lessor
                   within sixty (60) days of the close of each fiscal
                   quarter. Financial statements for the first
                   quarter ended June 30, 1998 are required prior to
                   closing the first Property.

                   During the term of this Commitment and throughout
                   the term of the Leases, Lessee and consolidated
                   affiliates shall provide Lessor with annual CPA
                   audited financial statements. Such financial
                   statements are to be delivered to Lessor within
                   one hundred twenty (120) days of the close of the
                   fiscal year end. The annual financial statements
                   of Lessee shall include unit level profit and loss
                   statements for the Property due within 120 days of
                   the close of the fiscal year end.

                   Subject to Lender's receipt and satisfactory
                   review of site information for each Property.

                   Lessor's obligation to close the transactions
                   described in this Commitment is subject to
                   Lessor's continual receipt and verification that
                   there has been no material adverse change in the
                   financial statements described above. During the
                   initial 18 months of the Commitment, the initial
                   minimum annual rent shall be fixed. but thereafter
                   may be increased to Lender's market rate for any
                   Lease not yet closed under this Commitment.

    MISCELLANEOUS:      This Commitment and the General Conditions
                        constitute a complete statement of the terms
                        and conditions of the described transaction. This
                        Commitment supersedes, in its entirety, Lessor's
                        previous Commitment to Lessee dated August 20,
                        1998. Any amendment to this Commitment will be
                        made in writing and must be signed by Lessee and
                        Lessor. This Commitment is not assignable by
                        Lessee.


   If the foregoing meets with your approval, please acknowledge
   your acceptance and agreement by executing and returning this
   Commitment to Lessor, together with the portion of the Commitment Fee
   currently due and payable, an amount equal to Seventy Thousand and
   00/100 Dollars ($70,000.00), on or before September 12, 1998,
   otherwise this Commitment will terminate and be of no force or effect.


                         CAPTEC FINANCIAL GROUP, INC.

                         By: /s/ Gary A. Bruder
                         Its Senior Vice
                         President, Administration



   ACCEPTED AND AGREED TO:
   ROMACORP, INC.


   By: /S/ Robert B. Page

   Its: President

   Federal Tax I.D. No. 13-4010466

   Date: September 10, 1998

   cc:   Beth Abbott
         Bill McPherson




      
<PAGE>
                     GENERAL CONDITIONS

     1.   Site Review.  Lessor's obligation to close the transaction
   described in the Commitment is subject to Lessor's site review and
   inspection of the Property and the results of the site review and
   inspection being satisfactory to Lessor in all respects.

     2.   Supporting Documents. Lessor's obligation to close the
   transaction described in the Commitment is subject to Lessor's receipt
   of the following, satisfactory to Lessor in all respects, at least
   fifteen (15) days prior to the Closing Date:

     A. MAI Appraisal. An MAI appraisal of the Property, prepared by an
   appraiser satisfactory to Lessor, shall be completed and submitted to
   Lessor not earlier than sixty (60) days prior to the Closing Date.

     B. Title Commitment and Title Policy. A commitment to issue an
   owner's policy of title insurance, in the most recent ALTA form,
   without standard exceptions, naming Lessor as insured, in the amount
   of the Purchase Price of the Property, issued by a title insurance
   company acceptable to Lessor, and including title endorsements deemed
   necessary by Lessor's counsel, including, without limit, a
   comprehensive zoning endorsement. Title to the Property must be
   subject to no exceptions, unless approved in writing by Lessor prior
   to the Closing Date. The commitment to issue an owner's policy of
   title insurance must include an itemization of all outstanding and
   pending special assessments (or must state that there are none) and
   must include an itemization of all taxes affecting the Property, and
   must state whether the taxes are current. Copies of all instruments
   creating exceptions to title to the Property must be attached to the
   commitment to issue an owner's policy of title insurance. The owner's
   policy of title insurance must be issued effective on the Closing
   Date. The title company must enter into the Disbursement Agreement
   providing, among other things, that upon disbursement of funds to
   Lessee for construction costs of the Improvements, the title company
   shall issue an endorsement to the title policy, as of the disbursement
   date, insuring title to the Real Estate and Improvements, free and
   clear of liens, defects and encumbrances, other than those previously
   approved by Lessor and increasing the insured amount by the amount so
   disbursed.

     C. Survey. A current survey, from a surveyor satisfactory to
   Lessor, in it's sole discretion, completed not earlier than one
   hundred twenty (120) days prior to the Closing Date, certified to the
   Lessor and to the title insurance company and such other parties as
   Lessor shall designate, in conformity with the survey requirements set
   forth on the attached Exhibit A.

     D. Insurance Policies. Insurance policies issued by companies
   acceptable to Lessor for the following types of insurance coverage,
   with loss payable clauses in favor of Lessor, and such other parties
   as may be designated by Lessor:

     (i)  Commercial general liability insurance (including contractual
             liability) with minimum limits of $1,000,000 each occurrence
             and $2,000,000 aggregate per location.

     (ii) All risk property damage insurance on a replacement cost
             basis with no coinsurance.

     (iii)     Flood insurance, in amounts acceptable to Lessor, unless
                  evidence is provided that the Property is not located in a
                  federally designated flood plain area.

     (iv) Rent loss or business interruption insurance covering a
             period of not less than twelve (12) months.

     (v)  During construction of the Improvements builder's risk
             insurance insuring the Improvements for not less than 100% of
             their full insurable replacement cost.

   All policies of insurance must name Lessor as an additional
   insured and any other party designated by Lessor. All general
   liability and property damage policies shall be written as primary
   policies. Each policy of insurance must provide that it will not be
   modified, amended or canceled without thirty (30) days' prior written
   notice to Lessor. All policies must include appropriate clauses
   pursuant to which the insurance carriers waive all rights of
   subrogation against the insured party and all additional insured
   parties with respect to all losses payable under such policies. Lessee
   must deliver evidence to Lessor, on the Closing Date, that all
   insurance policies are paid in full and are in full force and effect
   for not less than one (1) year from the Closing Date. All policies of
   insurance must contain appropriate loss payee endorsement and a clause
   that any loss otherwise payable under such policies will be payable
   notwithstanding any act or negligence of Lessor or Lessee.

   All insurance companies providing the coverage required under
   this provision shall be selected by Lessee and shall be rated A minus
   (A-) or better by Best's Insurance Rating Service, shall be licensed
   to write insurance policies in the state in which the property is
   located, and shall be acceptable to Lessor in Lessor's reasonable
   discretion.

   E. Governmental Approvals. of compliance with all laws,
   ordinances, rules, regulations and restrictions affecting the
   Property, the construction of the improvements located on the Property
   and the consummation of the transaction described in the Commitment,
   including, without limit, liquor licenses, if applicable, certificates
   of occupancy related to the Property, the approvals of all public
   health departments and/or fire departments having jurisdiction over
   the Property, and the approval of the appropriate governmental officer
   exercising land use control over the Property stating:

   (i)  The zoning classification affecting the Property.

   (ii) That the Property and its use complies with the
        applicable zoning code, city ordinances and building
        regulations.

   (iii)  That there are no variances, conditional use permits
          or special use permits required for the use of the
          Property or, if such permits are required, specifying
          the existence of the permits and attaching copies of
          the permits to the governmental officer's's letter.

   F. Franchise Documents. Lessee will provide Lessor with a
   letter from [Franchisor's Name] ("Franchisor") approving the Real
   Estate site and all plans and specifications for the Improvements and
   acknowledging that the Lessee is authorized to proceed with
   construction. Lessee will also provide Lessor with a copy of a fully
   executed franchise or license agreement acceptable to Lessor or a
   letter from Franchisor acknowledging that the franchise or license
   agreement will be issued upon completion of the Improvements.

   G. Utilities and Roads. Evidence of the availability of
     all utilities and roads necessary for the construction and operation
     of the Improvements.

   H. Plans and Specifications. Plans and specifications for
    the Property prepared by an architect/engineer satisfactory to Lessor.

   I. Physical Inspection Report. A report as to the physical
   condition of all improvements located on the Property from an
   inspecting architect or engineer satisfactory to Lessor.

   J. Environmental Report. An environmental site assessment
   report in favor of Lessor and such other parties as Lessor may
   designate, from a licensed professional satisfactory to Lessor,
   containing evidence satisfactory to Lessor that the Property and all
   improvements on the Property are in compliance with federal. state and
   local environmental laws, rules and regulations.

   K. Tax Bills. Copies of the most recent real estate tax
   bills and personal property tax bills relating to the Property and
   evidence that all such tax bills have been paid in full.

   L. Entity Documentation.  Certified copies of the
   corporate articles of incorporation, as amended, good standing
   certificate, qualification to conduct business as a foreign
   corporation (if required), incumbency certificate/corporate
   resolutions of the board of directors and any other documents the
   Lessor may reasonably require to evidence the authority of the
   person(s) executing documents on behalf of the corporation(s). All
   documents submitted to the Lessor must be certified within thirty (30)
   days of the closing date by the appropriate governmental official
   and/or authorized person(s) on behalf of the Lessee and/or the
   Guarantor(s).

   M. Certified Cost Statement.  A certified cost statement
   showing the cost of the Real Estate, a certified budget for the
   construction of the improvements, a schedule of values of construction
   costs, together with any other documentation that Lessor may require
   to support such cost statements.

   N. Search Results.  UCC, tax lien, and judgment lien
   search results as to Lessee, Guarantors and any other person or entity
   as Lessor may request, certified as of a date within thirty (30) days
   of the Closing Date.

   O. Automatic Payment Plan.  Lessee shall deliver an
   executed electronic funds transfer authorization in favor of Lessor.

   P. Development Documents.   Lessor shall review and
   approve the architect, architect's agreement, general contractor,
   general contractor's agreement, major subcontractors (i.e. contracts
   in excess of $25,000.00) and the major subcontractors' agreements
   (collectively "Development Documents").

   Q. Equity. Lessee shall deliver evidence satisfactory to
   Lessor that Lessee has sufficient funds available to Lessee to fully
   perform all of its obligations under the Commitment, including,
   without limit, sufficient funds, when combined with funds to be
   disbursed by Lessor for the costs of the Improvements, to cause
   completion of construction of the Improvements.

   R. Additional Documents. Such other documents,
   instruments, opinions and/or assurances as Lessor may reasonably
   require.

   3. Document Provisions.  The Lease will be prepared on Lessor's
   standard form and will contain, among other matters, the following
   provisions:

   A. Liens. Lessee will be required to keep the Property
   free from all liens and/or encumbrances (other than those acceptable
   to Lessor) throughout the term of the Leases.

   B. Compliance with Law. Lessee will comply with all laws,
   ordinances, orders, rules and regulations of any governmental
   authority having jurisdiction over the Property.

   C. Utilities. Lessee will pay all utility charges related
   to the Property.

   D. Taxes. Lessee will pay all real estate taxes,
   assessments. ad valorem taxes or gross receipts taxes imposed by any
   authority having, the power to tax the Property. Lessee will further
   agree to pay all personal property taxes related to the Property.

   E. Maintenance and Repair.  Lessee will maintain the
   Property in good repair, order and condition.

   F. Alterations. All structural alterations and all non-structural alterations
     to the Property in excess of $25,000 will only
   be made upon Lessee's receipt of Lessor's prior written approval. The
   cost of all alterations will be paid for by Lessee.

   G. Assignment Subletting.  Lessee will not be permitted to
   assign the Lease or Lessee's interest in the Lease or the Property
   without obtaining the prior written consent of Lessor, which shall not
   be unreasonably withheld. No assignment or subletting shall release
   Tenant or alter the primary liability of Tenant to pay rent and
   perform all other obligations under the Lease.

   H. Default. The occurrence of any one or more of the
   following events, among others, will constitute an event of default:

   (i) Failing to make, when due, any payments required under
   any Lease;

   (ii) Failing to observe or perform any of the other
   covenants, conditions or provisions contained in any Lease, which
   failure continues for fifteen (15) days after written notice to Lessee
   from Lessor;

   (iii)  Lessee's filing for bankruptcy or other similar
           relief: or

   (v) Vacating or abandoning the Property.

   1. Hazardous Materials. As to the Property, Lessee will make
   certain representations and warranties for the benefit of Lessor
   regarding hazardous materials and relevant environmental laws, and
   will further agree to indemnify and hold harmless Lessor from any
   loss, liability, damage or expense that Lessor may incur as a result
   thereof.

   4. Documents. On the Closing Date, Lessee must execute and/or
   deliver to Lessor all documents, monies, instruments and other items
   required by the Commitment or the General Conditions, including,
   without limit, a warranty deed to the Property, the Lease, the
   Disbursement Agreement, a guaranty from each Guarantor, a closing
   statement, an affidavit as to non-foreign status of Lessee,
   affidavit(s) of Lessee and Guarantor(s), and an opinion of counsel to
   Lessee and Guarantor(s). Lessor's obligation to close the transaction
   described in the Commitment is subject to the receipt and approval by
   Lessor and Lessor's counsel, of all such documents, monies,
   instruments, and other items.

   5. Costs. Fees and Expenses. The transaction described in the
   Commitment will be made without cost to Lessor. Lessee will pay all
   reasonable and necessary costs, fees and expenses incidental to the
   transaction described in the Commitment, including appraisal fees,
   inspection fees, title company charges, search fees, survey fees and
   reasonable and necessary attorneys fees and expenses. All fees, costs
   and expenses will be paid by Lessee on demand.

   6. Broker. By accepting the Commitment, Lessee warrants that
   Lessee has not contracted with anyone requiring the payment of a
   brokerage commission for the transaction described in the Commitment.
   Brokerage commissions, if any, shall be payable by Lessee or
   Guarantor(s), and the acceptance of the Commitment shall constitute an
   undertaking on the part of Lessee and Guarantor(s) to indemnify Lessor
   against claims of brokers arising in connection with Lessor s
   agreement to enter into and/or consummate the transaction described in
   the Commitment.

   7. Fair Credit Reporting Act. By accepting the Commitment,
   Lessee and Guarantor(s) warrant that all credit information submitted
   to Lessor is true and correct and authorize Lessor to make credit
   investigations and obtain credit reports and other financial
   information, written or oral, respecting the credit and financial
   position of Lessee and Guarantor(s).

   8. Interpretation. The Commitment and the General
   Conditions will be construed in accordance with the laws of
   the State of Michigan.

   9. Termination. The Commitment and Lessor's obligations
   under the Commitment may be terminated prior to closing at
   Lessor's option if:

   A. Lessee fails to comply with any of the terms of the
   Commitment or the General Conditions;

   B. A default exists in any financial obligation of
   Lessee or Guarantor(s) which results in the acceleration of
   such indebtedness;

   C.  Any representation made in any material submitted to
   Lessor proves to be untrue, false or misleading, in any
   material respect;

   D. There has been a material adverse change in the
   financial condition of Lessee or Guarantor(s) or there shall
   exist a material action, suit or proceeding pending or
   threatened against Lessee or Guarantor(s);

   E. Any bankruptcy, reorganizations, insolvency or
   similar proceeding is instituted by or  against Lessee or
   Guarantor(s);

   F. The improvements on the Property are damaged or
   destroyed or any portion thereof are subject to a proceeding
   for condemnation or eminent domain; or

   G. Lessee or Guarantor(s) shall die or be declared
   incompetent or be dissolved, liquidated or wound up.


   10. Definitions. All defined terms in the General
   Conditions have the same meaning as set forth in the
   Commitment to which the General Conditions are attached,
   unless the context clearly requires otherwise.



      
<PAGE>
                          EXHIBIT A

                            SURVEY REQUIREMENTS


   1. ALTA/As Built Survey.

      The survey map must show:

   a.  The scale to which the map has been drawn and a north
       directional arrow.

   b.  The identity of the local governmental units in which the
       property is located (e.g., name of city, village or township
       and county).

   c.  The location and dimensions by courses and distances of:

     i.   The property, proceeding by metes and bounds written on
          the survey map from a fixed point of beginning around the
          perimeter(s) of the plot(s) resuming to the fixed point.
          (Unless the property is located in a recorded
          subdivision, in which case the lot and block numbers,
          subdivision name and recording information for the
          subdivision should be given).

     ii.  The relationship of the point of beginning to the
          monument by which it is referenced.

     iii. The established building line(s) and setback line(s), if
          any.

     iv.  The line of the street or streets abutting the property
          and the names and widths of the streets.

     v.   The location of all utility lines (e.g., gas, water,
          sewer, electricity, telephone), whether existing or
          proposed, and the location of all existing and proposed
          connections with the utility lines.

     vi.  All servient and beneficial easements, if any, and all
          easements appurtenant to the property, if any, indicating
          the identity, by fiber and page, if any, the origin
          (e.g., Deed from A to B), if applicable, and nature
          (e.g., ten foot sewer easement).

   d.     The location, nature (including character of construction and
          number of stories), dimensions, distance from the property
          lines on all sides, and occupant of the structures and
          improvements on the property.

   e.     The location, dimensions and nature of:

     i.   All encroachments upon the property.

     ii.  All encroachments upon adjoining property. streets or
          alleys by any buildings. structures or other improvements
          upon the property.

     iii. All party walls between, with or adjoining the properly,
          and other property.

   f.     The location of all waterways, wet lands and established flood
          plains, if any.

   g.     The means of ingress and egress to and from the property, if
          other than by means of the abutting street(s). Identify
          parking spaces, including handicapped.

   h.     If the property is described as being on a filed map, the
          survey map should contain a legend relating the plot to the
          map on which it is shown.

   i.     A legal description of the plot conforming to the standards of
          Section 2, below.

   j.     A certificate in the form set forth in Section 3, below.

   k.     A certificate indicating the status of the property in terms
          of the 100 year flood plain, as designated by the Army Corps
          of Engineers.

   2.  Legal Description

     The legal description must appear on the face of the survey map. The
     legal description must conform entirely to the survey. Whatever form
     is utilized, the precise legal description must be preceded by
     identification of the appropriate street address, if one is
     available. The acceptable forms of legal descriptions are the metes
     and bounds description or the lot and block description.

   3.  Survey Certificate

     All survey maps must display the following certificate, which
     certificate must be executed by the surveyor:




                      CERTIFICATE


     I, the undersigned, hereby certify to {CAPTEC ENTITY,
        [CUSTOMER], and [TITLE COMPANY] that this print of survey is
        based on a survey made by ______________________ Civil
        Engineering/Registered Surveyor No. ____________, on
        _________________, 199__, and that this print of survey
        correctly shows the location of all buildings, structures and
        other improvements situated on the premises herein described
        and that except as shown hereon, there are no visible
        easements or rights-of-way across said premises, or easements
        or rights-of-way of which the undersigned has been advised,
        or party walls or encroachments upon adjoining premises,
        streets or alleys by any of said buildings, structures or
        other improvements, or cemeteries or family burying grounds,
        or encroachments of any nature upon the premises herein
        described. I further certify that the property abuts an
        accessible street or that there is ingress and egress to and
        from the property.

   Dated: __________

   Civil Engineer/Registered Surveyor No.