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                                                                   EXHIBIT 10.64

                   NON-GAMING LAND ACQUISITION LINE OF CREDIT

         THIS NON-GAMING LAND ACQUISITION LINE OF CREDIT AGREEMENT is dated as
of the 8th day of July, 1999, by and between THE POKAGON BAND OF THE POTAWATOMI
INDIANS (the "Band") and LAKES GAMING, INC. ("Lakes"):

         In consideration of the mutual covenants and promises hereinafter set
forth, and in accordance with the terms of a certain Development Agreement by
and between the Band and Lakes dated as of July 8, 1999, the Band and Lakes
agree as follows:

         1. Establishment of Credit. Subject to the terms of this Agreement and
the Development Agreement, Lakes agrees to make advances to the Band in an
amount not to exceed Ten Million Dollars ($10,000,000).

         2. Draw Requests; Funding. All draws under this Line of Credit shall be
made upon written request by the Band to Lakes in the form of Draw Request
attached as Exhibit A. All Draw Requests shall be sent in accordance with ss.
15.4 of the Development Agreement and may, at Lakes' option, be funded through
transfer of funds in the Escrow Account; provided that interest shall only
accrue under this Line of Credit on funds advanced through the Escrow Account
after disbursement from the Escrow Account, and shall not begin to accrue on
deposit by Lakes into the Escrow Account. All Draw Requests shall be funded
within ten (10) days of the date of the draw request through wire transfer to an
account directed by the Band, or as otherwise specified by the Band.

         3. Use of Advances. Advances hereunder shall be used by the Band to
option or acquire Non-Gaming Lands, and to pay all related option fees, purchase
prices, fees, real estate commissions, transfer taxes, costs and expenses.

         4. Expiration. The commitment of Lakes to make advances hereunder shall
expire on the earlier of (a) the Commencement Date, (b) the expiration of the
Term of the Management Agreement or (c) the termination of the Agreements in
accordance with their terms.

         5. Interest Rate. Interest shall accrue on the outstanding balance
under this Line of Credit as follows:

         (a) if the Bank Closing occurs, at a fixed rate equal to the lesser of
         (i) Base Rate as of the Bank Closing plus 1% or (ii) 10% (the "Band
         Interest Rate"); or


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         (b) If the Bank Closing does not occur, at a variable rate equal to the
         lesser of (i) Base Rate plus 1% or (ii) 10% (the lesser of (i) and (ii)
         being referred to as the "Variable Interest Rate"). Lakes shall adjust
         the Variable Interest Rate on the then unpaid principal balance, by way
         of increase or decrease, in accordance with changes in the Base Rate.
         Such changes shall be effective as of the change in the Base Rate (the
         "Effective Date").

If the Bank Closing occurs after the second annual anniversary of the date
hereof, interest accruing under this Line of Credit prior to the Bank Closing
shall be adjusted retroactively to reflect the Band Interest Rate. "Base Rate"
means the lowest Prime Rate as is published daily in The Wall Street Journal. In
the event that the Wall Street Journal ceases to publish the Prime Rate, then
the holder hereof may in its reasonable discretion select some other generally
recognized comparable indicator of the national Prime Rate.

         6.  Repayment.

         If the Commencement Date occurs, the Band shall, beginning on the 15th
day of the month following the Commencement Date, make equal monthly payments to
Lakes of principal and interest in an amount sufficient to amortize the
principal amount outstanding as of the Commencement Date over a sixty (60) month
period at the Band Interest Rate, and shall thereafter continue to make payments
in such amount on the 15th day of each succeeding month to and including the
fifteenth day of the sixtieth month following the Commencement Date, when all
remaining principal and interest shall be due and payable.

         If the Commencement Date does not occur, principal and interest shall
be repayable to the extent and in the manner provided in the Development
Agreement; provided that payments shall in any event be due and made only from
Subsequent Gaming Facility Revenues in accordance with the Development
Agreement. If Gaming commences at such a facility and payment is due under this
Line of Credit in accordance with the Development Agreement, the Band shall,
beginning on the 15th day of the month following such commencement date, make
equal monthly payments to Lakes of principal and interest in an amount
sufficient to amortize the principal amount outstanding as of such commencement
date over a sixty (60) month period at the Variable Interest Rate, and shall
thereafter continue to make such payments on the 15th day of each succeeding
month to and including the fifteenth day of the sixtieth month following such
commencement date, when all remaining principal and interest shall be due and
payable. As of the Effective Date of a change in the Base Rate, Lakes shall
adjust the monthly installments of principal and interest as of the installment
next following the Effective


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Date so that the then unpaid principal balance would be amortized in full at the
revised Variable Interest Rate five years after such commencement of gaming.
Lakes shall promptly notify the Band in writing of any changes in the Base Rate
and in the instalment payment due.

         7. Prepayment. This Line of Credit may be prepaid at any time without
penalty.

         8. Subordination. Payment of amounts due hereunder shall be
subordinated to the Bank Development Loan, the Equipment Loan and any other
third-party loans or equipment leases to the Band relating to the Facility or,
if the Commencement Date does not occur, or to any loans relating to any other
Gaming facility in Michigan owned by the Band, on such terms as such third
party lender shall reasonably require.

         9. Limited Recourse. The obligations of the Band under this Line of
Credit and any related awards, judgments or decrees shall be payable solely out
of undistributed or future Net Revenues of the Enterprise and shall be a Limited
Recourse obligation of the Band, with no recourse to tribal assets other than
such Net Revenues and mortgages, if any, held by Lakes on Non-Gaming Lands if
the Non-Gaming Lands have not been transferred into trust (except that, if the
Commencement Date does not occur, Lakes shall also have recourse to Subsequent
Gaming Facility Revenues to the extent provided in the Development Agreement).
In no event shall Lakes or any other claimant under this Line of Credit have
recourse to (a) the physical property of the Facility, (b) Tribal Distributions,
(c) assets of the Band purchased with Tribal Distributions, (d) revenues or
assets of any other gaming facility owned or operated by the Band, or (e) any
other asset of the Band (other than (i), if the Commencement Date does not
occur, Subsequent Gaming Facility Revenues to the extent provided in the
Development Agreement, (ii) such Net Revenues of the Enterprise, and (iii) such
mortgages on the Non-Gaming Lands prior to their transfer into trust. Such
mortgages shall be subject to the provisions of the Development Agreement,
including, without limitation, Article 14 thereof. Lakes covenants and agrees
that it shall promptly release any such mortgages upon transfer of such lands
into trust or as otherwise provided in the Development Agreement.

         10. Default; Acceleration. All outstanding principal together with
accrued interest shall become immediately due and payable in full, subject to
the limitations on recourse provided above, upon default in the payment of
principal or interest due under this Line of Credit if such default is not
remedied within thirty (30) days after receipt by the Band of written notice
thereof as provided in the Development Agreement.



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         11. Band's Waiver of Sovereign Immunity and Consent to Suit. The Band
expressly waives its sovereign immunity from suit for the purpose of permitting
or compelling arbitration to enforce this Line of Credit as provided in Article
14 of the Development Agreement and consents to be sued in the United States
District Court for the District in which the Gaming Site is located (or, if the
Gaming Site has not been designated, for the Western District of Michigan -
Southern Division), the United States Court of Appeals for the Sixth Circuit,
and the United States Supreme Court for the purpose of compelling arbitration or
enforcing any arbitration award or judgment arising out of this Line of Credit.
If the United States District Court lacks jurisdiction, the Band consents to be
sued in the Michigan State Court system for the same limited purpose. The Band
waives any requirement of exhaustion of tribal remedies. Without in any way
limiting the generality of the foregoing, the Band expressly authorizes any
governmental authorities who have the right and duty under applicable law to
take any action authorized or ordered by any such court, and to take such
action, including without limitation, repossessing or foreclosing on any real
property not in trust, or otherwise giving effect to any judgment entered;
provided, however, that liability of the Band under any judgment shall always be
Limited Recourse, and in no instance shall any enforcement of any kind
whatsoever be allowed against any assets of the Band other than (i), if the
Commencement Date does not occur, Subsequent Gaming Facility Revenues to the
extent provided in the Development Agreement, (ii) Net Revenues of the
Enterprise, and (iii) mortgages on Non-Gaming Lands prior to their transfer into
trust. The Band appoints the Chairman of the Pokagon Council and the Secretary
of the Pokagon Council as its agents for service of all process under or
relating to the Agreements. The Band agrees that service in hand or by certified
mail, return receipt requested, shall be effective for all purposes under or
relating to the Agreements if served on such agents.

         12. Arbitration. All disputes, controversies or claims arising out of
or relating to this Line of Credit shall be settled by binding arbitration as
provided in Article 14 of the Development Agreement.

         13. Business Purposes; Applicable Law. This Line of Credit evidences a
loan for business and commercial purposes and not for personal, household,
family or agricultural purposes, and shall be governed by the law of the State
of Michigan and, to the extent applicable, federal law.

         14. Notices. All notices under this Line of Credit shall be given in
accordance with ss. 15.4 of the Development Agreement; except that copies of
draw requests need not be sent to attorneys.



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         15. Defined Terms. Capitalized terms used herein shall have the same
meanings assigned to them in the Development Agreement, and, if not defined in
the Development Agreement, in the Management Agreement between the Band and
Lakes of even date.

         16.   Miscellaneous.

                  a.  Time is of the essence.

                  b. The benefits and obligations of this Note shall inure to
                  and be binding upon the parties hereto and their respective
                  successors and assigns, provided that any succession or
                  assignment is permitted under the Development Agreement.


                  c. Waiver of any one default shall not cause or imply a waiver
                  any subsequent default.

                  d. This Note, together with the Development Agreement, the
                  Management Agreement, the Escrow Agreement, the Transition
                  Loan Note and the Non-Gaming Land Acquisition Line of Credit,
                  the exhibits thereto and all related documents of near or even
                  date herewith, sets forth the entire agreement between the
                  parties hereto with respect to the subject matter hereof. All
                  agreements, covenants, representations, and warranties,
                  express or implied, oral or written, of the parties with
                  respect to the subject matter hereof are contained herein and
                  therein. This Note shall not be supplemented, amended or
                  modified by any course of dealing, course of performance or
                  uses of trade and may only be amended or modified by a written
                  instrument duly executed by officers of both parties.



                                    THE POKAGON BAND OF POTAWATOMI INDIANS


                                    By: /s/ John Miller
                                       --------------------------------
                                    Its: Council Chairman


                                    By: /s/ Kevin Daughterty
                                       --------------------------------
                                    Its: Secretary





                                    LAKES GAMING, INC.


                                    By:  /s/ Timothy J. Cope
                                         -----------------------------
                                    Its:  Chief Financial Officer
                                         -----------------------------

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                                    EXHIBIT A
                                  DRAW REQUEST


         The Pokagon Band of Potawatomi Indians (the "Band") requests that Lakes
Gaming, Inc. ("Lakes") advance $                      under the Non-Gaming
Acquisition Line of Credit (the "Line of Credit"). The Band certifies that the
amounts drawn under this Request will be used in accordance with ss. 3 of the
Line of Credit and SS. 8.5 of the Development Agreement, as per the attached
itemization.
         Advances should be made [pursuant to wire transfer instructions
previously given to Lakes] [as follows:                       ].




Dated:                                 THE POKAGON BAND OF POTAWATOMI INDIANS
      -------------------

                                       By:
                                          --------------------------------
                                       Its: Council Chairman


                                       By:
                                          --------------------------------
                                       Its: Secretary




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