Document:

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                                                                   Exhibit 10.13

                                LICENSE AGREEMENT

         THIS LICENSE AGREEMENT ("Agreement") is made and entered into as of the
2nd day of January, 2003 (the "Effective Date") between GREAT AMERICAN INSURANCE
COMPANY ("Licensor") and INFINITY PROPERTY AND CASUALTY CORPORATION ("Licensee")
(collectively, the "Parties").

                                    RECITALS

         WHEREAS, Licensor owns the Licensed Marks identified in SCHEDULE A; and

         WHEREAS, Licensor and Licensee have entered into a Services Agreement
dated of even herewith (the "Services Agreement"), providing for the supply of
certain information and services by Licensor and its affiliates to Licensee and
its affiliates relating to the Reinsurance Agreement dated of even herewith (the
"Reinsurance Agreement"), and the Parties may enter into a further Servicing
Agreement (the "Servicing Agreement for Direct Business"), providing for the
supply of certain services by Licensee and its affiliates to Licensor and its
affiliates relating to the Direct Business;

         WHEREAS, the Services Agreement provides for a license to use the
Licensed Marks upon and in connection with certain products and services; and

         WHEREAS, the Parties agree that Licensor shall grant to Licensee a
license to use the Licensed Marks for such products and services, subject to the
terms and conditions herein;

         NOW, THEREFORE, in consideration of the premises and the mutual
promises and obligations contained herein, the Parties agree as follows:

                                    AGREEMENT

                                   DEFINITIONS

         "Business Services" means, collectively the Direct Business Services,
the Reinsured Business Services, and any conduct of Licensee's personal lines
insurance business.

         "Direct Business" means Licensor's direct to consumer personal lines
insurance business.

         "Direct Business Services" means those services provided by Licensee in
connection with the Servicing Agreement for Direct Business.

         "Great American Marks" means the trademarks and service marks including
the Great American logo or the word "Great" or any permutation thereof in any of
the variations used in the business of Licensor (including the mark "Great
American DriverClub", which for the purpose of this Agreement shall be a "Great
American Mark") identified in SCHEDULE A as Great American Marks and the logos
used in connection therewith.

         "Licensed Marks" means, collectively, the Personal Lines Marks and the
Great American Marks.

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         "Personal Lines Marks" means the trademarks and service marks in any of
the variations used in the business of Licensor identified in SCHEDULE A as
Personal Lines Marks and the logos used in connection therewith, excluding the
"Great American Marks."

         "Reinsured Business Services" means those services provided by Licensee
in connection with the Reinsured Business.

         "Subsidiaries" means the directly or indirectly wholly owned property
and casualty insurance company subsidiaries of Licensee.

         "Territory" means the United States of America, including its
territories and possessions and the Commonwealth of Puerto Rico.

         All capitalized terms not defined herein shall have the meanings set
forth in the Services Agreement.

1.  GRANT OF LICENSE

         1.1      License Grant. Subject to the terms herein, Licensor grants to
                  Licensee (a) a non-exclusive, royalty-free, non-transferable
                  license in the Territory to use the Great American Marks and
                  the Personal Lines Marks solely upon and in connection with
                  the sale, promotion, marketing, advertisement and distribution
                  of the Direct Business Services (solely during the term of the
                  Servicing Agreement for Direct Business) and the Reinsured
                  Business Services (solely until the later of the expiration of
                  the Reinsurance Agreement, or the cessation of all of
                  Licensee's obligations thereunder), and (b) a non-exclusive,
                  royalty-free, non-transferable, perpetual (subject to
                  termination in accordance with Section 4.2) license in the
                  Territory to use the Personal Lines Marks upon and in
                  connection with the sale, promotion, marketing, advertisement
                  and distribution of the Licensee's personal lines insurance
                  business. All rights not specifically granted to Licensee
                  herein are reserved by Licensor. Licensor will not object to
                  use of the Driverclub & Design mark (Registration 2,636,426)
                  by Licensee or its Subsidiaries in connection with Licensee's
                  or its Subsidiaries' corporate names.

         1.2      Scope of Rights. Licensee acknowledges and agrees that the
                  Licensed Marks are the sole and exclusive property of
                  Licensor. Licensee shall not challenge or take any action
                  inconsistent with Licensor's ownership of the Licensed Marks
                  at any time. Licensor specifically reserves the right to use,
                  or grant licenses to other third parties to use, the Licensed
                  Marks.

         1.3      No Other Right To Licensed Marks or Third Party Marks. This
                  Agreement conveys to Licensee no other rights to the Licensed
                  Marks except as specified herein; nor does this Agreement
                  grant to Licensee rights to any intellectual property of any
                  third party except as specified herein.

         1.4      Sublicensing. Licensee shall have the right to sublicense the
                  Licensed Marks to its property and casualty insurance company
                  Subsidiaries; provided, Licensee

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                  shall be responsible for ensuring that any use by its
                  sublicensees of any Licensed Mark, and any other actions or
                  failures to take action of such sublicensees, shall comply in
                  all respects with the terms and conditions of this Agreement.
                  Any failure of any such sublicensee to comply with all
                  applicable terms and conditions of this Agreement shall be
                  deemed a breach of this Agreement by Licensee. Licensee may
                  not otherwise sublicense the Licensed Marks.

         1.5      Discontinuance of Use. Licensee acknowledges that, from time
                  to time, Licensor may discontinue the use of all or any of the
                  Licensed Marks. In the event that Licensor ceases use of any
                  of the Great American Marks, Licensee will cease use of any
                  such marks as soon as is commercially reasonable following
                  written notice from Licensor. In the event that Licensor
                  ceases use of any of the Personal Lines Marks, Licensor will
                  offer to assign any such mark to Licensee at Licensee's
                  expense. Subsequent to any such assignment, all expenses
                  relating to the assigned mark will be borne by Licensee.

         1.6      Licensee Modifications. In no event shall Licensee modify any
                  of the Great American Marks. In the event Licensee desires to
                  modify any of the Personal Lines Marks for its use, Licensee
                  shall submit samples of the modified mark to Licensor at least
                  thirty (30) days prior to the commercial use thereof. If
                  Licensor approves in writing of the modified mark submitted by
                  Licensee, such approval not to be unreasonably withheld or
                  delayed, that modified mark is included in the Personal Lines
                  Marks and Licensee may use the modified mark in accordance
                  with the terms and conditions of this Agreement. All right,
                  title and interest in and to any such modified mark shall be
                  owned by Licensor. Licensee shall not use any variation of the
                  Licensed Marks which has not been approved by Licensor.
                  Licensee shall not claim ownership of any modified mark of
                  Licensor.

         1.7      Termination for Abandonment. In the event Licensee abandons
                  its use of any of the Licensed Marks for a period of one (1)
                  year, Licensee's rights to any such Licensed Marks shall be
                  terminated and all of Licensee's rights to any such Licensed
                  Marks under this Agreement shall revert to Licensor. Licensee
                  shall promptly notify Licensor of any such abandonment.

2.  USE OF THE LICENSED MARKS

         2.1      Use of Licensed Marks. Neither party shall knowingly use the
                  Licensed Marks, or any other trademark, service mark, trade
                  name, logo, symbol or devices in combination with or
                  confusingly similar to the Licensed Marks in a form and manner
                  or for a subject matter that may: (a) reduce the value of the
                  Licensed Marks, or (b) injure the other Party's business, the
                  reputation of the Licensed Marks or of the other Party, or the
                  goodwill appurtenant to the Licensed Marks.

         2.2      Trademark Notices. Licensee shall display in connection with
                  any use of the Licensed Marks and associated materials such
                  trademark, copyright and other proprietary notices as are
                  currently in use for Licensor's products and services or as
                  otherwise reasonably instructed by Licensor.

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         2.3      Trade Names. Licensee shall not use any Licensed Marks as part
                  of a trade name or corporate name unless separately agreed in
                  writing in advance by Licensor.

         2.4      Services. Licensee shall not use the Licensed Marks on or in
                  connection with any materials which relate to any business
                  other than the Business, including the Reinsured Business, and
                  the Direct Business.

3.  QUALITY CONTROL AND APPROVALS

         3.1      Quality Standards. Licensee warrants that the Business
                  Services and all promotional, advertising, and related
                  materials sold under or bearing the Licensed Marks shall meet
                  or exceed the quality standards and specifications in use by
                  Licensor in commerce as of the date of this Agreement, or
                  where no such standards exist, a level of quality at least
                  consistent with the quality standards generally accepted for
                  other competitive products or services. Licensee will, as soon
                  as commercially reasonable, comply with the Great American
                  Brand Design Guidelines delivered in writing to Licensee as
                  Licensor may amend from time to time, provided that any such
                  guidelines or amendments thereto shall not unreasonably
                  interfere with the conduct of Licensee's business.

         3.2      Samples Submission. Upon Licensor's request from time to time,
                  Licensee shall submit samples of all reasonably requested
                  materials using the Licensed Marks to Licensor for evaluation
                  by Licensor. If such materials are found by Licensor in the
                  exercise of its reasonable judgment not to meet quality
                  standards, Licensee will promptly correct any problems and
                  reimburse Licensor for any reasonable expense of evaluating
                  and reevaluating such materials for compliance.

         3.3      Quality Maintenance/Inspection of Facilities. Licensee
                  warrants that all products and services it advertises,
                  distributes, provides and sells under the Licensed Marks shall
                  be substantially identical to and of no lesser quality than
                  the quality standards and specifications described in Section
                  3.1 hereof. Licensee shall submit to Licensor for prior
                  written approval any proposed material change to any of the
                  Business Services which could affect in any material respect
                  the quality standards.

         3.4      Rescission of Approval. Licensee shall promptly remove from
                  sale or distribution any product or associated artwork or
                  materials to which Licensor rescinds approval as the result of
                  inspection or evaluation under this Section 3. Licensor will
                  not unreasonably rescind approval of any Business Services,
                  use of the Licensed Marks or any materials previously
                  approved.

         3.5      Substandard Quality. In the event that the quality of the
                  Business Services or any marketing, packaging or other
                  materials bearing any Licensed Mark falls below the acceptable
                  level (as defined in Section 3.1) as determined by Licensor in
                  its reasonable discretion, Licensee shall, promptly correct or
                  cease the use as instructed by Licensor.

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         3.6      Disposal of Unapproved/Substandard Materials. Licensee shall,
                  upon Licensor's direction, ship to Licensor or destroy and
                  certify such destruction, all unapproved, rescinded, or
                  substandard materials using any Licensed Mark.

4.  TERM

         4.1      Term. This Agreement shall be effective as of the Effective
                  Date and shall remain in full force and effect unless or until
                  terminated in accordance with Section 4.2.

         4.2      Termination of Agreement. Licensor may terminate the rights
                  granted in Section 1.1: (i) if Licensee materially breaches
                  the terms of this Agreement and fails to cure within thirty
                  (30) days of receipt of written notice of such breach from
                  Licensor; or (ii) immediately upon notice, not withstanding
                  any other provision of this Agreement, if Licensee uses the
                  Licensed Marks in any manner in connection with any
                  pornographic, obscene or other scandalous products; or (iii)
                  immediately upon notice, if Licensee makes an assignment for
                  the benefit of creditors, files a petition under the
                  bankruptcy or insolvency laws of any jurisdiction, appoints a
                  trustee or receiver for its property or business, or is
                  adjudicated bankrupt or insolvent.

         4.3      Effect of Termination. Upon expiration or cessation of all of
                  Licensee's obligations under the Reinsurance Agreement,
                  Licensee shall immediately cease and desist from any and all
                  use of the Licensed Marks in connection with the Reinsured
                  Business (except to the extent such Reinsured Business is
                  otherwise a Business Service), including but not limited to
                  any marketing, distribution, sales or promotional materials
                  bearing the Licensed Marks. Upon expiration or termination of
                  the Servicing Agreement for Direct Business, Licensee shall
                  immediately cease and desist from any and all use of the
                  Licensed Marks in connection with the Direct Business (except
                  to the extent such Direct Business is otherwise a Business
                  Service), including but not limited to any marketing,
                  distribution, sales or promotional materials bearing the
                  Licensed Marks. Upon a termination of Licensee's rights in
                  accordance with Section 4.2 above, Licensee shall immediately
                  cease and desist from any and all use of the Licensed Marks,
                  including but not limited to any marketing, distribution,
                  sales or promotional materials bearing the Licensed Marks, and
                  shall, in accordance with Section 3.6, ship to Licensor or
                  destroy all materials using any Licensed Mark.

5.  OWNERSHIP, GOODWILL AND PROTECTION

         5.1      Acknowledgment. Licensee will never represent that it is the
                  owner of the Licensed Marks and shall not attempt to register
                  or maintain any registrations for the Licensed Marks alone or
                  as part of its own trademark or service mark in any
                  jurisdiction. Licensee will use the Licensed Marks only in the
                  manner and in the geographic region specified in this
                  Agreement. Licensee agrees that it will not at any time attack
                  Licensor's rights in the Licensed Marks. The Parties expressly

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                  intend and agree that all use of the Licensed Marks and all
                  goodwill deriving therefrom shall inure to the sole benefit of
                  Licensor.

         5.2      Confusingly Similar Marks. Licensee shall not use or authorize
                  use at any time of any mark, name, design, logo or other
                  designation confusingly similar to the Licensed Marks.

         5.3      Goodwill. Licensee recognizes the value of the publicity and
                  goodwill associated with the Licensed Marks, acknowledges that
                  the Licensed Marks and any marks confusingly similar to the
                  Licensed Marks have acquired secondary meaning, and that all
                  related rights and goodwill belong and will belong exclusively
                  to Licensor.

         5.4      Reasonable Assistance. Licensee agrees to provide Licensor
                  with such reasonable assistance as Licensor may request in
                  obtaining any protection of the Licensed Marks, at Licensor's
                  expense.

         5.5      Third Party Unauthorized Use of Licensed Marks.

                  (a)      Notification. Each Party agrees to notify the other
                           Party, in writing, of any use that it believes may
                           constitute an infringement or unfair competition
                           involving Licensed Marks relating to the Business
                           Services, or any claim by a third party that use of
                           the Licensed Marks by Licensor or Licensee infringes
                           the rights of any third party.

                  (b)      Protection/Enforcement.

                           (i) Notwithstanding any other provision contained
                           herein, as between the parties, Licensor shall have
                           the initial right to protect and enforce Licensor's
                           intellectual property rights in the Licensed Marks,
                           whether registered or unregistered. In the event that
                           Licensor fails to protect or enforce Licensor's
                           rights within ninety (90) days of Licensor becoming
                           aware of any violation or threatened violation of a
                           Licensed Mark, Licensee shall have the right to
                           protect and enforce Licensor's rights, in the name of
                           Licensee and/or Licensor.

                           (ii) Licensor may, in its discretion, initiate any
                           proceedings with respect to any claim for actual or
                           threatened infringement or dilution of the Licensed
                           Marks. Licensee shall cooperate with Licensor in its
                           prosecution of any such claim. Licensor shall
                           reimburse Licensee for Licensee's reasonable costs
                           and expenses (including reasonable attorneys' fees)
                           incurred in the course of its cooperation or any such
                           proceedings. Licensor shall be entitled to the
                           entirety of any monetary award resulting from any
                           claim prosecuted by Licensor. In the event that
                           Licensor fails to initiate any proceeding with
                           respect to any actual or threatened infringement or
                           dilution of the Licensed Marks within ninety (90)
                           days of Licensor becoming aware of such actual or
                           threatened infringement or dilution,

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                           Licensee, may, in its discretion, initiate any
                           proceedings with respect to any such claim in its
                           name and/or the name of Licensor. Licensor shall
                           cooperate with Licensee in its prosecution of any
                           such claim. Licensee shall reimburse Licensor for
                           Licensor's reasonable costs and expenses (including
                           reasonable attorneys' fees) incurred in the course of
                           its cooperation or any such proceedings. Licensee
                           shall be entitled to the entirety of any monetary
                           award resulting from any claim prosecuted by
                           Licensee.

         5.6      Maintenance. Licensor shall maintain its trademark
                  registration in its sole discretion and Licensor shall not be
                  obligated to maintain any federal or state registrations for
                  the Licensed Marks. Licensee will cooperate with Licensor as
                  reasonably requested by Licensor and will provide examples of
                  Licensee's use of the Licensed Marks upon Licensor's
                  reasonable request. Once every six months, at a time
                  designated by Licensor, Licensee will provide to Licensor
                  specimens evidencing Licensee's continuing use of each of
                  variations of the Licensed Marks.

6.  REPRESENTATION, WARRANTY AND INDEMNITY

         6.1      Representation and Warranty. Licensor and Licensee each
                  represents and warrants that it is authorized to enter into
                  this Agreement and that there is no existing agreement with
                  any third party that prevents it from granting the rights or
                  complying with its obligations under this Agreement. Licensor
                  hereby represents and warrants to Licensee that (a) Licensor
                  owns all right, title and interest in and to the Licensed
                  Marks, including, without limitation, the registrations set
                  forth in Schedule A, (b) to the best of Licensor's knowledge,
                  there are no judicial or adversarial administrative
                  proceedings pending or threatened against it involving any of
                  the Licensed Marks which: (i) challenge ownership or the
                  validity of any of the Licensed Marks, or (ii) allege that the
                  use of any of the Licensed Marks in the manner contemplated
                  hereunder infringes upon the intellectual property rights of
                  any third party, and (c) to Licensor's knowledge, no third
                  party is violating any of the Licensed Marks.

         6.2      Indemnity. Licensor shall defend, indemnify and hold harmless
                  Licensee, its affiliates and their respective officers,
                  employees directors and agents from and against any losses,
                  liabilities, claims, damages, obligations, payments, costs and
                  expenses, including, but not limited to, any amounts paid in
                  settlement thereof and reasonable attorney fees arising out of
                  or based upon a breach of Section 6.1. Licensee shall defend,
                  indemnify and hold harmless Licensor, its affiliates and their
                  respective officers, employees directors and agents from and
                  against any losses, liabilities, claims, damages, obligations,
                  payments, costs and expenses, including, but not limited to,
                  any amounts paid in settlement thereof and reasonable attorney
                  fees arising solely out of or based solely upon any third
                  party claim which asserts that Licensee's use of the Licensed
                  Marks infringes such third party's trademarks or service
                  marks, when Licensee's use is outside the scope of the license
                  granted herein.

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7.  INJUNCTIVE RELIEF/DAMAGES

         7.1      Injunctive Relief. It is expressly agreed that Licensor would
                  suffer irreparable harm from a material breach by Licensee of
                  any of its covenants contained in this Agreement, and that
                  remedies other than injunctive relief cannot fully compensate
                  or adequately protect Licensor for such a violation.
                  Therefore, without limiting the right of Licensor to pursue
                  all other legal and equitable remedies available for violation
                  of this Agreement, in the event of actual or threatened
                  material breach by Licensee of any of the provisions of this
                  Agreement, Licensee consents that Licensor shall be entitled
                  to injunctive or other relief in order to enforce or prevent
                  any such violation or continuing violation thereof. Licensee
                  agrees not to raise the defense of an adequate remedy at law
                  in any such proceeding. Licensee acknowledges and agrees that
                  the provisions of this paragraph are reasonably necessary and
                  commensurate with the need to protect Licensor against
                  irreparable harm and to protect its legitimate and proprietary
                  business interests and property.

         7.2      Damages. except for damages payable by licensee OR LICENSOR to
                  third parties for which EITHER PARTY is required to indemnify
                  THE OTHER hereunder, Neither Party shall be liable for
                  special, indirect, incidental, punitive, consequential or any
                  similar damages (including, without limitation, damages for
                  loss of business profits, business interruption or any other
                  loss), whether or not caused by or resulting from the
                  negligence of such Party even if such Party has been advised
                  of the possibility of such damages.

8.  MISCELLANEOUS

         8.1      Notices. All notices, requests, demands, claims, and other
                  communications hereunder will be in writing. Any notice,
                  request, demand, claim, or other communication hereunder shall
                  be deemed duly given two (2) business days after it is sent,
                  if it is sent by registered or certified mail, return receipt
                  requested, postage prepaid, and addressed to the intended
                  recipient as set forth below:

                  If to Licensor:

                  Great American Insurance Company
                  580 Walnut Street
                  Cincinnati, Ohio 45202
                  Attn: General Counsel

                  If to Licensee:

                  Infinity Property and Casualty Corporation
                  2204 Lakeshore Drive
                  Birmingham, Alabama 35209

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                  Attn: General Counsel

                  Any Party may send any notice, request, demand, claim, or
                  other communication hereunder to the intended recipient at the
                  address set forth above using any other means (including
                  personal delivery, expedited courier, messenger service,
                  telecopy, telex, ordinary mail, or electronic mail), but no
                  such notice, request, demand, claim, or other communication
                  shall be deemed to have been duly given unless and until it
                  actually is received by the intended recipient. Any Party may
                  change the address to which notices, requests, demands,
                  claims, and other communications hereunder are to be delivered
                  by giving the other Parties notice in the manner herein set
                  forth.

         8.2      Independent Contractors. It is understood that the
                  relationship between the Parties shall be that of independent
                  contractors, that neither Party shall have any right or power
                  to obligate, bind, or commit the other to any expense,
                  liability, or matter other than as expressly provided and
                  authorized in this Agreement, and that the officers,
                  employees, and agents or other representatives of one Party
                  shall not be deemed expressly or impliedly the employees,
                  partners, joint ventures or agents of the other.

         8.3      Counterparts. This Agreement may be executed in one (1) or
                  more counterparts, each of which shall be deemed an original
                  but all of which together will constitute one and the same
                  instrument.

         8.4      Election of Remedies. The remedies provided herein are not
                  exclusive of any other lawful remedies which may be available,
                  and a Party's election of a remedy shall not constitute an
                  exclusive election of remedies.

         8.5      Choice of Law. This Agreement shall be governed by and
                  construed and enforced in accordance with the internal
                  substantive laws of the State of Ohio, without regard to
                  conflicts of laws principles.

         8.6      Further Assurances and Cooperation. Each Party agrees to
                  execute and deliver to the other Party such other instruments,
                  documents, and statements, including without limitation,
                  instruments and documents of recordation, assignment,
                  transfer, conveyance, and clarification and take such other
                  action as may be reasonably necessary or convenient in the
                  reasonable discretion of the requesting Party to carry out
                  more effectively the purposes of this Agreement.

         8.7      Interpretation and Construction. The section and paragraph
                  titles are intended solely for convenience and shall not
                  affect the construction or interpretation of any of the
                  provisions of this Agreement. The Parties have participated
                  jointly in the negotiation and drafting of this Agreement. In
                  the event an ambiguity or question of intent or interpretation
                  arises, this Agreement shall be construed as if drafted
                  jointly by the Parties, at arm's length and with the advice
                  and participation of counsel, and no presumption or burden of
                  proof shall arise favoring or disfavoring any Party by virtue
                  of the authorship of any of the provisions of this

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                  Agreement. Any reference to any federal, state, local, or
                  foreign statute or law shall be deemed also to refer to all
                  rules and regulations promulgated thereunder, unless the
                  context requires otherwise. The word "including" shall mean
                  including without limitation.

         8.8      Entire Agreement. This Agreement (including Schedule A
                  incorporated herein) along with the Formation and Separation
                  Agreement, Services Agreement, Servicing Agreement for Direct
                  Business and Reinsurance Agreement constitutes the entire
                  agreement among the Parties and (except with respect to the
                  Formation and Separation Agreement, Services Agreement and
                  Reinsurance Agreement) supersedes any prior understandings,
                  agreements, or representations by or among the Parties,
                  written or oral, to the extent they have related in any way to
                  the subject matter hereof. Neither Party, nor any shareholder,
                  officer or director thereof, has made or shall be deemed to
                  have made to the other, or to any affiliate thereof, any
                  representation or warranty with respect to the subject matter
                  of this Agreement except as expressly set forth in this
                  Agreement.

         8.9      Severability. Any term or provision of this Agreement that is
                  invalid or unenforceable in any situation in any jurisdiction
                  shall not affect the validity or enforceability of the
                  remaining terms and provisions hereof or the validity or
                  enforceability of the offending term or provision in any other
                  situation or in any other jurisdiction.

         8.10     Survival of Rights and Obligations. Sections 1.2, 4.3, 5.1,
                  5.2, 5.3, 6.2, 7 and 8 of this Agreement shall survive the
                  termination of this Agreement.

         8.11     Amendment and Waiver. No amendment of any provision of this
                  Agreement shall be valid unless the same shall be in writing
                  and signed by both of the Parties. No waiver by any Party of
                  any default, misrepresentation, or breach of warranty or
                  covenant hereunder, whether intentional or not, shall be
                  deemed to extend to any prior or subsequent default,
                  misrepresentation, or breach of warranty or covenant hereunder
                  or affect in any way any rights arising by virtue of any prior
                  or subsequent such occurrence. Neither the failure nor any
                  delay by any Party in exercising any right, power or privilege
                  under this Agreement will operate as a waiver of any right,
                  power or privilege under this Agreement. In addition, no
                  notice to or demand on one Party will be deemed a waiver or
                  any obligation of such Party or of the right of the Party
                  giving such notice or demand to take further actions without
                  notice or demand as provided in this Agreement.

         8.12     Assignment. This Agreement and Licensee's rights hereunder may
                  be assigned by Licensee only upon the prior written consent
                  from Licensor, which consent may be given or withheld in the
                  sole discretion of Licensor. Any assignment of this Agreement
                  or the rights of Licensee by Licensee hereunder not in
                  compliance with this Section shall be void ab initio and of no
                  legal effect.

                  [Remainder of this page intentionally blank. Signature page to
                  follow.]

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         IN WITNESS WHEREOF, the following signatures represent that the Parties
have read this Agreement in its entirety, including the incorporated and
attached Schedule, and by their execution below have agreed to all its terms and
conditions.

LICENSOR:                                       LICENSEE:
GREAT AMERICAN INSURANCE                        INFINITY PROPERTY AND
COMPANY                                         CASUALTY CORPORATION

By:     /s/ Eve Cutler Rosen                    By:     /s/ Samuel J. Simon
   ----------------------------                    ----------------------------
Printed: Eve Cutler Rosen                       Printed: Samuel J. Simon
Title: Vice President, General                  Title: Senior Vice President,
       Counsel and Assistant                           General Counsel and
       Secretary                                       Secretary

<PAGE>

                                LICENSE AGREEMENT
                                   SCHEDULE A

                                 Licensed Marks

GREAT AMERICAN MARKS

<TABLE>
<CAPTION>
Trademark                                    Reg./Serial No.        Reg./Filing Date         Status
---------                                    ---------------        ----------------         ------
<S>                                          <C>                    <C>                     <C>
Great American                               1,226,885              02-08-1983               Registered
Great American & Design                      2,419,899              01-09-2001               Registered
Great American Insurance Companies           1,586,084              03-06-1990               Registered
Great American Insurance Companies & Design  2,435,758              03-13-2001               Registered
Great American Insurance Group               2,644,054              10-29-2002               Registered
Great American Insurance Group & Design     76/176,179              12-05-2000               Pending
Great American Driverclub & Design           2,499,142              10-16-2001               Registered
Great Additions                              1,829,010              03-29-1994               Registered
Great Choices                                2,098,884              09-23-1997               Registered
Great Drivers                                1,889,438              04-11-1995               Registered
Great Drivers Select                         2,128,658              01-13-1998               Registered
Great Places                                 1,825,958              03-08-1994               Registered
Great Quote                                  2,572,282              05-21-2002               Registered
Great Rewards                                2,648,646              11-12-2002               Registered
Design (Great American Logo)                 2,553,139              03-26-2002               Registered
Drive with Greater Confidence                2,646,523              11-05-2002               Registered
</TABLE>

PERSONAL LINES MARKS
<TABLE>
<CAPTION>
Trademark                                    Reg./Serial No.        Reg./Filing Date         Status
---------                                    ---------------        ----------------         ------
<S>                                          <C>                    <C>                     <C>
Driverclub & Design                          2,636,426              10-15-2002               Registered
American Spirit                              1,536,767              04-25-1989               Registered
American Spirit & Design                     1,767,639              04-27-1993               Registered
</TABLE>

<PAGE>
<TABLE>
<CAPTION>
Trademark                                    Reg./Serial No.        Reg./Filing Date         Status
---------                                    ---------------        ----------------         ------
<S>                                          <C>                    <C>                     <C>
Navigator                                    1,091,962              05-23-1978               Registered
Select Driver                                1,381,776              02-04-1986               Registered
Super Additions                              1,984,729              07-02-1996               Registered
Level of Relationship                        2,258,993              07-06-1999               Registered
Gold Protection Plan                         2,430,296              02-20-2001               Registered
The Safe Driver Network                      1,647,652              06-11-1991               Registered
Your Driving Partner                         76/012,022             03-29-2000               Pending
Steering Column                              2,599,728              07-23-2002               Registered
Transmission                                 76/437,549             08-02-2002               Pending
A Relationship that Pays                     2,517,383              12-11-2001               Registered
</TABLE><PAGE>
                                                                   Exhibit 10.16

                                  OFFICE LEASE

        THIS office LEASE ("Lease") is made as of this 1st day of January, 2003,
by and between GREAT AMERICAN INSURANCE COMPANY, an Ohio corporation
("Landlord"), and INFINITY PROPERTY AND CASUALTY CORPORATION, an Ohio
corporation ("Tenant").

                                   WITNESSETH:

        In consideration of the mutual covenants, conditions and agreements
herein contained and for other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, Landlord and Tenant agree as
follows:

        SECTION 1. DEFINITIONS

                1.1 "Additional Rent" shall mean all sums required to be paid by
Tenant pursuant to this Lease, excepting Base Rent.

                1.2 "Building" shall mean that building located at 14 E. 4th
Street, Cincinnati, Ohio 45202, as shown on Exhibit A.

                1.3 "Commencement Date" shall mean the date of this Lease.

                1.4 "Common Areas" shall mean the areas located on, in or about
the Building and the Premises, which are designated from time to time by
Landlord for common (i.e., nonexclusive) use or benefit for the occupants of the
Building and their officers, agents, employees, customers and invitees. The
Common Areas include (without limitation) the following items as well as any
additional items designated by Landlord from time to time: vacant (non-leasable)
areas, passages for trucks and automobiles, roadways, walkways, the roof of the
Building, curbs, corridors, courts and arcades, together with facilities such as
washrooms, lounges, drinking fountains, toilets, stairs, ramps, elevators,
escalators, signage, light fixtures, loading docks, with facilities appurtenant
to each, and common utility facilities (including water retention facilities,
sewers, sewer lines, gas and electric service facilities and lines, and common
water lines), water filtration and treatment facilities, whether located within
or without the Building.

                1.5 "Events of Default" shall mean the events of default set
forth in Section 23.1.

                1.6 "Exhibit(s)" shall mean the following Exhibits which are
attached to and are a part of this Lease:

                Exhibit A - Description of Building

                Exhibit A-1 - Floor Plan

                Exhibit B - Rules and Regulations

<PAGE>

                1.7 "Lease Year" shall mean during the term of this Lease each
successive twelve (12) calendar month period commencing on the Rent Commencement
Date, except if the Rent Commencement Date occurs on a date other than the first
day of a month, the first Lease Year shall begin on the first day of the
immediately succeeding month and the last day of each Lease Year shall be the
last day of the month during which the Rent Commencement Date occurs, and except
that in the event of the termination of this Lease on any day other than an
anniversary date of the day before the Rent Commencement Date, then the last
Lease Year shall be the period from the end of the preceding Lease Year to such
date of termination.

                1.8 "Mortgage" shall mean any mortgage or other security
interest now or hereafter encumbering all of any part of Landlord's interest in
and to the Premises, together with any and all amendments or modifications
thereof.

                1.9 "Mortgagee" shall mean the holder of any Mortgage.

                1.10 "Primary Term of Lease" shall mean two (2) Lease Years,
commencing on the Rent Commencement Date.

                1.11 "Rent Commencement Date" shall mean the Commencement Date.

                1.12 "Tenant's Floor Area" means (i) in the case of a single
tenancy floor, all floor area measured from the inside surface of the exterior
wall to the inside surface of the opposite exterior wall, excluding only the
areas ("service areas") within the outside walls used for the Building stairs,
fire towers, elevator shafts, flues, vents, stacks, pipe shafts, and vertical
ducts, but including any such service areas which are for the specific use of
the particular tenant such as special stairs, plus a pro rata allocation of the
square footage of the Building's Common Areas; and (ii) in the case of a partial
floor, all floor areas within the inside surface of the exterior wall to the
midpoint of the walls separating areas leased by or held for lease to other
tenants to the inside surface of walls separating areas used for corridors,
elevator foyers, restrooms, mechanical rooms, janitor closets, electric and
telephone closets, and other similar facilities for the use of all tenants on
the particular floor (hereinafter sometimes called "on-floor common areas"), and
from Common Areas, excluding only service areas, but including service areas
which are for the specific use of the particular tenant, and a proportionate
part of the on-floor common areas on such floor, plus a pro rata allocation of
the square footage of the Common Areas. No deductions from floor area are made
for columns or projections necessary to the Building. Tenant's Floor Area in the
Premises has been calculated on the basis of the foregoing definition and is
hereby stipulated for all purposes hereof to be 15,156 rentable square feet. As
used herein, the term "Tenant's Floor Area" shall mean 15,156 rentable square
feet.

                1.13 "Term" shall mean the period during which this Lease
remains in full force and effect. As used herein, the phrase "term of this
Lease", "term hereof" or any similar phrase shall include, where appropriate,
the Primary Term, renewal term(s), if any, and any holdover period.

                                                                               2
<PAGE>

        SECTION 2. LEASE OF PREMISES AND TERM

                2.1 Premises. Landlord leases to Tenant, and Tenant leases from
Landlord, that part of the Building shown outlined on the floor plan attached as
Exhibit A-1 to this Lease, (the "Premises"), together with all appurtenant
rights, privileges and easements. The Premises is leased to Tenant subject to
all easements, conditions and restrictions of record. In addition, Landlord
grants to Tenant, its employees, licensees, and invitees, the nonexclusive
easement to use the Common Areas from time to time existing within the Building.

                2.2 Term. The Premises is leased to Tenant for the term in
accordance with the terms and conditions of this Lease. Provided Tenant is not
in default under the terms of this Lease, Tenant shall have the option to renew
this Lease for an additional term of two (2) years. Tenant shall exercise said
option by giving Landlord written notice of such exercise not less than one
hundred twenty (120) days prior to the end of the Primary Term. If Tenant shall
fail to give such notice by said date, this option shall automatically
terminate.

        SECTION 3. RENTAL

                3.1 Base Rent. Commencing on the Rent Commencement Date, Tenant
shall pay Landlord as Base Rent for the Premises during each Lease Year of the
term hereof the following sums.

        Primary Term:

<TABLE>
        Base Rent Per               Base Rent Per         Base Rent
        Square Foot                 Lease Year            Per Month
        -----------                 ----------            ---------
        <S>                         <C>                   <C>
        $13.00                      $197,028.00           $16,419.00
</TABLE>

                3.2 Manner of Payment of Base Rent. Base Rent shall be paid in
equal monthly installments, in advance, on the first day of each successive
month during the term hereof, without demand, deduction, counterclaim or setoff,
at Landlord's notice address as set forth below in Section 31 or at such other
address as Landlord may designate by written notice to Tenant.

                3.3 Additional Rent. Tenant shall pay as Additional Rent all
additional sums, charges or amounts whatsoever to be paid by Tenant to Landlord
in accordance with this Lease, whether or not such sums, charges or amounts are
referred to as additional rent (collectively referred to as "Additional Rent").

                3.4 CPI Adjustment. The Base Rent for each Lease Year during the
Term hereof subsequent to the first Lease Year shall be increased in the same
amount of any increase in the Consumer Price Index during the preceding Lease
Year. Such increase shall be calculated by multiplying the annual Base Rent by a
fraction whose numerator is the Consumer Price Index for the twelfth month of
the preceding Lease Year and whose denominator is the Consumer Price Index for
the first month of such Lease Year. In no event shall the Base Rent be decreased
due to changes in

                                                                               3
<PAGE>

the Consumer Price Index. For purposes hereof "Consumer Price Index" shall mean
the Consumer Price Index for All Urban Consumers, U.S. City Average, published
by the Bureau of Labor Statistics of the United States Department of Labor, All
Items (1982-84=100).

        SECTION 4. EXPENSES AND ESCALATIONS PAID BY TENANT

                4.1 Definitions. For the purposes of this Lease, the following
terms shall have the following meanings:

                        4.1.1 "Taxes" shall mean real estate taxes and
assessments and impositions, general and special, ordinary and extraordinary or
otherwise, including, but not limited to, service charges/payments in lieu of,
addition to, or substitution for, real estate taxes, levied upon or with respect
to the Building and the land upon which the Building is located, imposed by
federal or state or local governments (excluding income, franchise, capital
stock, estate or inheritance taxes or taxes based on receipt of rentals, unless
the same shall be in substitution for or in lieu of a real estate tax or
assessment) and any personal property taxes imposed upon the fixtures,
machinery, equipment, apparatus, systems and appurtenances in, upon or used in
connection with the operation of the Building; provided that, if because of any
change in the method of taxation of real estate any other or additional tax or
assessment is imposed upon Landlord or Tenant or upon or with respect to the
Building or the rents or income therefrom, or in substitution for or in lieu of
any tax or assessment which would otherwise be a real estate tax, or personal
property tax of the type described above, then such other tax or assessment
shall also be deemed a real estate tax. For purposes hereof, Taxes for any year
shall be taxes which are assessed or become a lien during such year.

                        4.1.2 "Insurance Costs" shall mean all insurance
premiums and other charges payable by Landlord in order to procure and maintain
in full force and effect, liability insurance for personal injury, death and
property damage, fire, casualty and extended coverage insurance with theft,
vandalism, malicious mischief and sprinkler damage endorsements, workers'
compensation insurance or similar insurance covering personnel, fidelity bonds
for personnel, insurance against liability for assault and battery, arrest, full
plate glass insurance, boiler insurance, rent loss insurance, and such other
insurance upon or with respect to the Building, the land upon which the Building
is located, and which Landlord may deem advisable.

                        4.1.3 "Operating Expenses" shall mean all costs and
expenses incurred by or on behalf of Landlord in operating, managing, insuring,
securing and maintaining the Building and Common Areas, including, but not
limited to, all costs and expenses of operating, maintaining, repairing,
replacing, lighting, signing, cleaning, painting, striping, policing of, and
securing, the Common Areas (including, but not limited to, costs of uniforms,
equipment and employment taxes). Operating Expenses shall also include, but
shall not be limited to, alarm and life safety systems; cost of cleaning all
exterior glass, surfaces and materials in the Common Areas; maintenance of
sprinkler systems serving the Building and the Premises; removal of water, snow,
ice, trash and debris; and payments toward mass transit or car pooling
facilities or otherwise as required by federal, state or local governmental
authorities; any and all parking surcharges; all license and permit fees that
may result from any environmental or other laws, rules, regulations, guidelines
and orders; costs and expenses in connection with maintaining federal, state or
local governmental ambient air and environmental standards and the costs of all
materials, supplies and

                                                                               4
<PAGE>

services purchased or hired therefor; operation of public toilets; installing
and renting of signs; fire protection; maintenance, repair and replacement of
utility systems serving the Common Areas, including without limitation, water,
sanitary sewer and storm sewer and storm water lines and other utility lines,
pipes and conduits, costs and expenses of operating sewage treatment facilities;
costs and expenses of inspecting, and depreciation of, machinery and equipment
used in the operation and maintenance of the Common Areas and personal property
taxes and other charges (including, but not limited to, leasing, financing or
rental costs) incurred in connection with such equipment; costs and expenses of
the coordination and use of any truck docks and loading facilities serving the
Building; costs and expenses of repair or replacement of awnings, paving, curbs,
walkways, landscaping, drainage, pipes, ducts, conduits and similar items, and
plate glass, lighting facilities and the roof of the Building; costs and
expenses of planting, replanting and replacing flowers, shrubbery and planters;
costs and expenses incurred in the rental of music program services and
loudspeaker systems, including furnishing electricity therefor; costs of
providing energy to light, heat, ventilate and air condition areas in which the
Common Areas are located and the Premises and the maintenance and repair of such
equipment; cost of water services, if any, furnished by Landlord for the
nonexclusive use of all tenants; parcel pickup and delivery services; shuttle
services, if any; storm drainage facilities until dedicated for public purposes;
and administrative and overhead costs. Landlord may elect to amortize any of the
foregoing costs and expenses over a useful life determined in accordance with
generally accepted accounting principles.

                4.2 Tenant's Share of Taxes, Insurance Costs, and Operating
Expenses. Tenant shall pay Landlord each Lease Year during the term of this
Lease, on account as Additional Rent, Tenant's Share of Taxes, Tenant's Share of
Insurance Costs, and Tenant's Share of Operating Expenses. Tenant's Share of
Taxes shall be calculated by multiplying the amount of Taxes by a fraction, the
numerator of which shall be Tenant's Floor Area and the denominator of which
shall be Landlord's Total Floor Area. Tenant's Share of Insurance Costs shall be
calculated by multiplying the amount of Insurance Costs by a fraction, the
numerator of which shall be Tenant's Floor Area and the denominator of which
shall be Landlord's Total Floor Area. Tenant's Share of Operating Expenses shall
be calculated by multiplying the amount of Operating Expenses by a fraction, the
numerator of which shall be Tenant's Floor Area and the denominator of which
shall be Landlord's Commercial Floor Area. For the Lease Year in which the term
hereof commences or terminates, the provisions of this Section shall apply, but
Tenant's Share of Taxes, Insurance Costs, and Operating Expenses for such year
shall be subject to a pro rata adjustment based upon the number of days of such
Lease Year falling within the Term.

                4.3 Statements. Within one hundred twenty (120) days following
the end of each Lease Year, Landlord shall furnish to Tenant a statement
showing: (a) Taxes, Insurance Costs and Operating Expenses for the preceding
Lease Year; and (b) Tenant's Share of Taxes, Insurance Costs and Operating
Expenses.

                4.4 Estimated Payments. The payment of any additional charges
pursuant to this Section 4 shall be made as follows:

                Tenant's Share of Taxes, Insurance Costs and Operating Expenses
shall be paid in monthly installments in amounts estimated from time to time by
Landlord, each such installment being due in advance on the first day of each
month of each Lease Year. At any time during each

                                                                               5
<PAGE>

Lease Year, Landlord may re-estimate Tenant's Share of Taxes, Insurance Costs
and Operating Expenses and adjust Tenant's monthly installments payable during
such Lease Year to reflect more accurately Tenant's Share of Taxes, Insurance
Costs and Operating Expenses.

                        4.4.1 Following the end of each Lease Year, the
estimated payments made by Tenant shall be reconciled against the actual amount
of Tenant's Share of Taxes, Insurance Costs and Operating Expenses set forth in
Landlord's statement rendered in accordance with Section 4.3. On the date for
payment of the next monthly installment of Base Rent under this Lease following
the delivery of the annual statement to Tenant, Tenant shall pay to Landlord
Tenant's Share of any Taxes, Insurance Costs and Operating Expenses for the
Lease Year immediately preceding the statement less a credit for the amount paid
in advance pursuant to Section 4.4. In the case of a decrease in Tenant's Share
of Taxes, Insurance Costs and Operating Expenses for the Lease Year immediately
preceding the then current Lease Year, Landlord shall adjust Tenant's estimated
payments under Section 4.4. accordingly. If Tenant's estimated payments during
the last Lease Year of the term hereof exceed the actual amounts determined to
be owed as shown in Landlord's final statement, Landlord shall refund the
difference in cash to Tenant. The parties' obligation for the payment or refund
of additional charges shall survive the expiration or earlier termination of
this Lease.

                4.5 Fiscal Year. Landlord reserves the right to establish a
fiscal year (the "Fiscal Year") for purposes of making the annual determination
of the Taxes, Insurance Costs and Operating Expenses. If such Fiscal Year is
established, the expenses and escalations described in this Section 4 shall be
determined on a Fiscal Year to Fiscal Year basis, with appropriate prorations
being made for any Lease Year beginning before or ending after a full Fiscal
Year.

                4.6 Net Payments. It is Landlord's and Tenant's intent that the
rent payable under this Lease be absolutely and unconditionally net to Landlord.
Tenant therefore covenants and agrees with Landlord to pay and discharge,
without prior notice or demand, on a timely basis, all rent including Base Rent
and Additional Rent and all obligations of every kind and nature whatsoever
relating to the Premises including the maintenance, repair, improvement,
alteration, operation and restoration which may arise or become due during the
term of this Lease, excepting only any costs, expenses, or obligations which are
the responsibility of Landlord under express provisions of this Lease. Tenant
does hereby indemnify Landlord against, and agrees to hold, save and defend
Landlord harmless from and against, all such costs, expenses and obligations in
accordance with the terms of this Lease. Tenant further covenants and agrees
with Landlord that Tenant shall not be entitled to any abatement, deduction,
deferment, suspension or reduction of, or set-off, defense or counterclaim
against, Base Rent, Additional Rent or any other charges or sums payable by
Tenant under this Lease. The express intention and understanding of the Landlord
and Tenant is that the covenants and obligations of Landlord and Tenant
hereunder shall be for all purposes separate and independent.

        SECTION 5. LATE PAYMENT If Tenant shall fail to pay any installment of
Base Rent or Additional Rent on or before ten (10) days after the date due, each
such unpaid installment shall bear interest from the date it was due until paid
at the rate equal to five percent (5%) in excess of the prime rate of interest
charged by The Fifth Third Bank, or its successor in interest, such rate of
interest to change as The Fifth Third Bank changes its prime rate of interest
from time to time. In

                                                                               6
<PAGE>

addition thereto and to the extent permitted by applicable law, if Tenant shall
fail to pay any rents, charges, or other sums within ten (10) days after the
same become due and payable, then Tenant shall also pay to Landlord as
Additional Rent, to cover Landlord's additional overhead and administrative
costs and expenses arising out of such late payment, the amount of One Hundred
Dollars ($100.00) per month for each calendar month or part thereof from the due
date to the date of payment.

        SECTION 6. CONSTRUCTION PROVISIONS

                6.1 Construction of Building. Landlord reserves the right to
make changes and substitutions as Landlord deems necessary or desirable in the
materials and other features of the Building.

                6.2 Condition of Premises and Building. On the Commencement Date
of this Lease, Tenant shall accept the Premises and the Building (including all
improvements, personalty and appurtenances) in their then present, "as is"
condition, subject to Landlord's obligations under Section 6.3 of this Lease,
and subject to Section 33, reserving, however, unto Landlord, the exterior face
of exterior walls and/or the exterior face of service corridor walls, the roof
and the use of the aforesaid areas and the right to install, maintain, use,
repair and replace such pipes, duct work, support columns, conduits, utility
lines, tunneling, wires and the like in, through, under or above the Premises,
through ceiling plenum areas, column space and in or beneath floor slabs, as may
be reasonably necessary or advisable for the servicing of the Premises and the
servicing, alteration, addition, or deletion of other portions of the Building.
Tenant covenants and agrees that it has examined and knows the condition of the
Premises. Tenant acknowledges that neither Landlord nor Landlord's agents have
made any representation as to the condition (or to the state of repair) of the
Premises. Tenant's taking possession of the Premises shall be conclusive
evidence, as against Tenant, that the Premises was in good order and
satisfactory condition when Tenant took possession.

                6.3 Landlord's Compliance with Laws. Landlord shall be
responsible for compliance, at Landlord's sole cost and expense, with all
statutes, rules, ordinances, orders, codes, and regulations, and legal
requirements and standards issued thereunder, as the same may be enacted and
amended from time to time (collectively referred to in this Lease as the
"Laws"), which are applicable to all or any part of the physical condition and
occupancy of the Building (excluding the Premises, which shall be Tenant's
responsibility as specified in Section 7.2), the Common Areas, and the land or
additions thereto.

        SECTION 7. USE

                7.1 Permitted Uses. Tenant shall use and occupy the Premises
solely for general office purposes and for no other use or purpose whatsoever.

                7.2 Compliance with Laws and Insurance Requirements. In its use
and occupancy of the Premises, Tenant shall, at Tenant's sole cost and expense,
(a) comply with all laws, orders, ordinances, regulations and lawful directions
of federal, state, county and municipal authorities; (b) comply with all
recommendations of any public or private agency having authority over insurance
rates with respect to the use or occupancy of the Premises by Tenant; and (c)
install

                                                                               7
<PAGE>

and maintain any fire extinguishing apparatus required by local regulations or
the requirements of insurance underwriters. If Tenant fails to comply with any
such laws, orders, ordinances, regulations, or lawful directions or
recommendations or requirements, then in addition to any other remedies
available to Landlord, Landlord may pay such amounts and/or take such actions as
Landlord deems advisable to place Tenant in compliance with such provisions, and
all amounts so expended by Landlord shall be reimbursed by Tenant with interest
in the manner provided in Section 26 of this Lease. Tenant shall not do or
permit to be done any act or thing on the Premises which will invalidate or be
in conflict with casualty insurance policies or will increase the rate of
casualty insurance covering the Building. If because of Tenant's failure to
comply with the provisions of this Section, the casualty insurance premiums on
the Building or its contents are increased, Tenant shall pay Landlord the amount
of such increase caused by the failure of Tenant to comply with the provisions
of this Section.

                7.3 Manner of Use. Tenant shall not commit or suffer any waste
or damage to the Premises or the Building, shall keep the Premises free of
nuisances, shall not overload the floors or other structural parts of the
Premises and/or the Building, and shall not commit or suffer any act or thing on
the Premises which is illegal or dangerous, or which unreasonably disturbs other
tenants. In accordance with the Surgeon General of the United States, to
maintain a healthy work environment, Landlord has designated the Building a
non-smoking building. It is Tenant's responsibility to see that all staff and
clientele are made aware of this policy and its enforcement.

        SECTION 8. LANDLORD'S CLEANING/JANITORIAL SERVICES As long as Tenant is
not in default hereunder, Landlord shall provide cleaning service pursuant to
standards determined by Landlord from time to time for the Premises after hours
on business days, and washing of windows at intervals reasonably established by
Landlord. Tenant shall pay to Landlord the costs of removing from the Premises
and the Building any refuse and rubbish which exceeds the refuse and rubbish
usually attendant to the use of the Premises as offices. Bills rendered for such
costs shall be due and payable on the first day of the month following the month
during which Landlord provides such removal service. Landlord shall not be
responsible to provide continuous cleaning or any other cleaning services other
than standard overnight janitorial services typically furnished in office
buildings comparable to the Building in St. Louis, Missouri.

        SECTION 9. UTILITIES

                9.1 Ventilation and Air Conditioning. Landlord shall provide
capacity to the Premises for Tenant to distribute, heat, ventilation and
seasonal air conditioning to the Premises for general office purposes. Tenant
shall not make any alterations or additions to the ventilation and air
conditioning equipment without the prior written consent of Landlord in each
instance, which consent shall not be unreasonably withheld or delayed.

                9.2 Electricity. Tenant shall make all the necessary
arrangements through Landlord with the appropriate public utility for the
supplying of electric current to the Premises and the cost of such electricity
used in connection with Tenant's operations on the Premises shall be separately
metered or submetered (at Tenant's cost) and paid directly to the public utility
by Tenant. Tenant agrees that Tenant's use of electric current shall never
exceed the capacity of existing feeders, risers and wiring installations in the
Building. Tenant shall not make any alterations or additions to

                                                                               8
<PAGE>

the electrical equipment, appliances or installations without the prior written
consent of Landlord in each instance, which consent shall not be unreasonably
withheld or delayed.

                9.3 Gas. Tenant shall make all the necessary arrangements
through Landlord with the appropriate public utility for the supplying of gas to
the Premises and the cost of such gas used in connection with Tenant's
operations on the Premises shall be included in Landlord's Operating Expenses.
Landlord shall have the right to have the gas to the Premises measured by
separate meters, or submeters, installed by Landlord or by any other means as
directed by the utility company, at Tenant's expense, and to charge Tenant for
the cost of such gas based on Tenant's usage determined from such meters or
submeters. Tenant shall not make any alterations or additions to the equipment,
appliances or installations carrying gas to the Premises without the prior
written consent of Landlord in each instance, which consent shall not be
unreasonably withheld or delayed.

                9.4 Water. Tenant shall make all the necessary arrangements
through Landlord with the appropriate public utility for the supplying of water
to the Premises and the cost (including without limitation, any and all sewer
rents, taxes or levies assessed in connection with metered consumption) of such
water used in connection with Tenant's operations on the Premises, shall be
included in Landlord's Operating Expenses. Landlord shall have the right to have
the water to the Premises measured by separate meters, or submeters, installed
by Landlord or by any other means as directed by the utility company, at
Tenant's expense, and to charge Tenant for the cost of such water based on
Tenant's usage determined from such meters or submeters. Tenant shall not make
any alterations or additions to the water supply system without the prior
written consent of Landlord in each instance, which consent shall not be
unreasonably withheld or delayed.

                9.5 Service Interruptions. Landlord shall not be liable for any
damage to Tenant caused by any disruption of utility services to the Premises.
Landlord shall not, in any way, be liable or responsible to Tenant for any loss,
damage or expense which Tenant may incur if the quantity or character of utility
services is changed or if a service is no longer available or suitable for
Tenant's requirements. Landlord reserves the right, without being liable to
Tenant and without abatement or diminution in Base Rent or Additional Rent, to
temporarily suspend, delay or stop any of the utility services whenever
necessary due to any cause specified in Section 32, or for emergency,
inspection, repairs, replacements, alterations, improvements or renewals which
in Landlord's reasonable judgment are desirable or necessary. Cessation of
services due to any causes described in the preceding sentence, shall not render
Landlord liable in any respect for damages to either person or property, nor be
construed as an eviction of Tenant, nor work an abatement of Base Rent or
Additional Rent, nor relieve Tenant from fulfillment of any covenant or
agreement of this Lease. Notwithstanding anything to the contrary contained
herein, Landlord agrees that it shall make reasonable efforts in exercising the
rights reserved to Landlord not to unreasonably inconvenience or interfere with
Tenant's business operation while services are suspended, delayed or stopped.
Tenant nonetheless shall have no right to terminate or repudiate this Lease, and
shall have no claim for rebate or abatement of rent or damages, on account of
any resulting interruptions in service occasioned thereby.

                                                                               9
<PAGE>

        SECTION 10. REPAIRS, REPLACEMENTS AND ALTERATIONS BY TENANT

                10.1 Tenant's Repairs. Tenant shall, at Tenant's sole cost and
expense, maintain the Premises and the fixtures and appurtenances therein
including, but not limited to, entrances and vestibules, partitions, windows,
window frames, glass, moldings, doors, door openers, light bulbs, fluorescent
tubes, lighting fixtures (including component parts such as starters, ballasts,
lenses or grills), heating and ventilation systems, electrical systems, plumbing
systems, all other utilities systems serving the Premises, furnishings and all
other items of Tenant's Work in good condition and repair, but Tenant shall not
be responsible to make (a) structural repairs; or (b) repairs required to be
made by Landlord pursuant to Section 16. Tenant shall from time to time upon
request furnish proof reasonably satisfactory to Landlord that all such systems
and equipment are being serviced in accordance with the maintenance/service
contract.

                10.2 Alterations and Improvements. Tenant shall make no
alterations, additions or improvements on or within the Premises, and Tenant
shall attach no fixtures or equipment to the interior of the Premises, without
the prior approval of Landlord, which approval may be withheld in Landlord's
sole discretion.

                10.3 Work Done By Tenant. All repairs and approved
installations, alterations, additions or other improvements made by Tenant shall
be made in a good and workmanlike manner, between such hours and by such
contractors or mechanics as may be approved in writing by Landlord, and in such
a way that utilities will not be interrupted and other tenants and occupants of
the Building will not suffer unreasonable inconvenience or interference.

                10.4 Ownership of Improvements. All alterations, decorations,
installations, additions or improvements upon the Premises made by either party,
except Tenant's movable trade fixtures and furniture shall, unless Landlord
elects otherwise (by notice in writing to Tenant given not less than twenty (20)
days prior to the expiration of the term hereof), become the property of
Landlord and remain upon, and be surrendered with, the Premises, as a part
thereof, at the end of the term hereof. If Landlord elects otherwise, Tenant
shall, at Tenant's sole cost and expense, remove such alterations,
installations, additions or improvements made by Tenant upon the Premises as
Landlord shall so elect, and Tenant shall repair and restore any damage to the
Building or the Premises caused by such removal.

        SECTION 11. TENANT'S DAMAGE TO PREMISES OR BUILDING: HEAVY EQUIPMENT

                11.1 Damage Caused By Tenant. All damage or injury to the
Premises, the Building, or any fixtures, appurtenances and equipment, caused by
Tenant or Tenant's employees, agents, contractors, invitees or licensees, shall
be repaired, restored and replaced promptly by Tenant, at Tenant's sole cost and
expense, in quality and class equal to the original work or installations and to
the satisfaction of Landlord. If Tenant fails to make such repairs, restorations
or replacements with due diligence, the same may be made by Landlord for the
account of Tenant and the cost shall be reimbursed to Landlord in accordance
with Section 24.

                                                                              10
<PAGE>

                11.2 Heavy Equipment. Tenant shall not bring into the Building
or place in the Premises any safe, heavy machinery, heavy equipment, freight,
bulky material, fixtures or computer equipment without first obtaining
Landlord's written consent. The moving and location of any such items within the
Building and Premises shall be subject to Landlord's prior approval.

        SECTION 12. INDEMNITY, LIABILITY, PROPERTY DAMAGE

                12.1 (a)Tenant's Indemnity. Tenant agrees to indemnify, defend
and save Landlord, and their employees, officers, partners and representatives,
harmless from and against any and all liabilities, losses, injuries, claims,
damages, costs, suits, judgments and other expenses whatsoever, including
attorneys' fees, which may occur or be claimed with respect to bodily injury to
or death of any persons or damage to or destruction of property of Tenant's or
of third persons resulting from or arising out of Tenant's, its employees,
agents, subtenants and invitees, occupancy or possession or use of the Premises
or from any work done by or on behalf of Tenant in or about the Premises,
including, but not limited to, the performance of Tenant's Work, during the term
of this Lease or resulting from or arising out of a breach of, or default in the
performance of any of Tenant's obligations under, this Lease.

                        (b)Landlord's Indemnity. Landlord agrees to indemnify,
defend and save Tenant, and its employees, officers, partners and
representatives, harmless from and against any and all liabilities, losses,
injuries, claims, damages, costs, suits, judgments and other expenses
whatsoever, including reasonable attorneys' fees, which may occur or be claimed
with respect to bodily injury to or death of any persons or damage to or
destruction of property of any persons or damage to or destruction of property
occurring in or about the Premises or the Building caused by the negligence or
willful misconduct of Landlord or its agents, employees, or invitees, or from
any work done by or on behalf of Landlord in or about the Premises or the
Building.

                12.2 Tenant's Insurance. Tenant shall carry and maintain public
liability insurance on the Premises throughout the Term covering Tenant and
Landlord as named insureds and, if Landlord elects, any Mortgagee, with terms
and in companies licensed and authorized to do business in the State of Missouri
and satisfactory to Landlord, which insurance companies are rated A minus VII or
better by the current Best's Key Rating Guide or the equivalent in subsequent
editions, and for limits of not less than $2,500,000.00 for personal injury or
death arising out of any one occurrence and not less than $1,000,000.00 for
damage to property arising out of any one occurrence. Such minimum coverages
shall be periodically adjusted during the term of this Lease as Landlord or any
Mortgagee shall require. Tenant shall also carry all risk casualty insurance,
including theft coverage written at replacement cost value and with replacement
cost endorsements covering all of Tenant's personal property in the Premises
(including, but not limited to, inventory, trade fixtures, floor coverings,
furniture and other property removable by Tenant under the provisions of this
Lease) and all leasehold improvements installed in the Premises by or on behalf
of Tenant, regardless of whether any such items will constitute fixtures and be
surrendered to Landlord upon expiration of the Term. Tenant shall also carry
plate glass insurance on all interior and exterior glass in or on the Premises
and business interruption insurance satisfactory to Landlord. All such policies
shall be cancelable only upon thirty (30) days' prior written notice to Tenant
and Landlord. Prior to the commencement of the Term and within thirty (30) days
prior to the expiration of each

                                                                              11
<PAGE>

such policy, Tenant shall furnish Landlord with copies of such policies or
certificates evidencing that such insurance is in full force and effect and
stating the terms of the insurance.

                12.3 Landlord's Insurance. Landlord shall at all times during
the Term of this Lease carry a policy of insurance which insures the Building,
including the Premises, against loss or damage by fire or other casualty
(namely, the perils against which insurance is afforded by a standard fire
insurance policy and extended coverage endorsement); provided, however, that
Landlord shall not be responsible for, and shall not be obligated to insure
against, any loss of or damage to any personal property of Tenant or which
Tenant may have in the Building or the Premises or any trade fixtures installed
by or paid for by Tenant on the Premises or any additional improvements which
Tenant may construct on the Premises; and, notwithstanding anything contained
herein to the contrary. If the tenant finish improvements or any alterations or
improvements made by Tenant to the Premises result in an increase in the
premiums charged during the Term of this Lease on the casualty insurance carried
by Landlord on the Building, then the cost of such increase in insurance
premiums shall be borne by Tenant, who shall reimburse Landlord for the same as
Additional Rent after being separately billed therefor.

        SECTION 13. LOSS OR DAMAGE TO TENANT'S PERSONALTY All of Tenant's
personal property placed in or about the Building or the Premises shall be at
Tenant's sole risk, and Landlord and Landlord's agents and employees shall not
be liable to Tenant, or Tenant's agents or employees, for any business
interruption, theft, loss or misappropriation, or for any damage or injury due
to, among other things, explosion, water, rain, snow, frost, steam, gas,
electricity, heat, cold, dampness, falling plaster, sewage, odors, noise, leaks
from any part of the Building or the roof, the bursting or leaking of pipes,
plumbing, electrical wiring and equipment and fixtures of all kinds, or any act
or neglect of other tenants or occupants of the Building or of any other person
or from any other cause whatsoever, and Landlord shall not be liable for any
latent or other defect in the Premises or in the Building. Tenant shall give
immediate notice to Landlord in case of fire or accident in the Premises or of
any defects, damage or injury in the Premises or in any fixtures or equipment.
In no event shall Landlord be liable to Tenant or any party claiming under
Tenant for any business interruption which may result from fire or other
casualty causing damage or injury to the Premises or to any fixtures, equipment,
or personal property in the Premises.

        SECTION 14. DAMAGE BY FIRE OR OTHER CASUALTY

                14.1 Landlord's Obligations to Restore. If the Building or the
Premises are partially damaged by fire or other casualty, Landlord, to the
extent of insurance proceeds available to Landlord, shall repair and restore the
damaged portion of the Building and the Premises to substantially their
condition prior to such fire or other casualty, except that Landlord shall not
be required to repair or restore Tenant's Work or any other leasehold
improvements installed in the Premises by Tenant.

                14.2 Right to Terminate Lease. If a substantial portion or all
of the Premises or the Building is damaged as a result of fire or other casualty
(a "Casualty"), and (i) the Premises are (a) rendered wholly untenantable, or
(b) damaged as a result of any cause which is not covered by Landlord's
insurance, or (c) damaged or destroyed in whole or in part during the last three
(3) years of the term hereof, or (d) the cost of replacement of the Premises
shall exceed fifty percent (50%) of

                                                                              12
<PAGE>

the then insured value thereof; or (ii) the Building shall be so substantially
damaged that it is reasonably necessary in Landlord's sole judgment to demolish
the Building for the purpose of reconstruction; or (iii) the Building is damaged
to the extent of fifty percent (50%) or more of Landlord's Floor Area or fifty
percent (50%) of the then insured value of the Building, then, in any of such
events, Landlord may elect to terminate this Lease by giving Tenant notice of
such election within one hundred twenty (120) days after the occurrence of such
event. If such notice is given, the rights and obligations of the parties shall
cease as of the date of such notice, and all rental amounts (other than any
Additional Rent due Landlord by reason of Tenant's failure to perform any of
Tenant's obligations hereunder) shall be adjusted as of the date of such
termination.

                14.3 Restoration of Premises by Tenant. If this Lease is not
terminated pursuant to Section 14.2, Tenant shall as promptly as practicable
after the occurrence of any damage or destruction make such repairs and
replacements in the Premises as are necessary to restore Tenant's leasehold
improvements to their condition immediately prior to the occurrence of such
casualty.

        SECTION 15. WAIVER OF SUBROGATION Notwithstanding any other provisions
of this Lease, Landlord, and/or their officers, partners, employees or agents
shall not be liable for any loss or damage to Tenant's Work or any fixtures,
furnishings, leasehold improvements or personal property located or found in the
Premises caused by fire or other perils covered by a standard policy of fire and
extended coverage insurance, including vandalism and malicious mischief
endorsements, or which was required to be covered by Tenant's insurance
hereunder, and Tenant waives all rights of subrogation against Landlord with
respect to such perils. Notwithstanding any other provisions of this Lease,
Tenant shall not be liable for loss or damage to the Building, other than the
Premises, or Landlord's Work caused by fire or other perils covered by a
standard policy of fire and extended coverage insurance, including vandalism and
malicious mischief endorsements, or which was required to be covered by
Landlord's insurance hereunder, and Landlord waives all rights of subrogation
against Tenant with respect to such perils. Landlord and Tenant shall procure
endorsements from their respective insurers waiving such rights.

        SECTION 16. CONDEMNATION

                16.1 Right to Award. All compensation awarded for any
condemnation of the Premises or the Building, or any interest or right in all or
part of any of these, shall belong to and shall be the property of Landlord.
Tenant hereby assigns to Landlord all of its rights, if any, with respect to all
such compensation; provided however, that nothing contained herein shall prevent
Tenant from applying for reimbursement from the condemning authority if
permitted by law for moving expenses or the expense of removal of Tenant's trade
fixtures, if and only if such action shall not reduce the amount of the award or
other compensation otherwise recoverable from the condemning authority by
Landlord.

                16.2 Right to Terminate. In the event of a condemnation and
taking for any public or quasi-public use, or a transfer in lieu of such
condemnation and taking (the "Taking") of all of the Premises or twenty percent
(20%) or more of the land area of the Building, Landlord shall have the option
to terminate this Lease by written notice thereof to Tenant. In the event of
such notice by Landlord, this Lease and the rights and obligations of the
parties hereunder shall cease and

                                                                              13
<PAGE>

terminate as of the date of transfer of title or possession to the condemning
authority of the Premises or that part of the land area of the Building taken,
whichever occurs first. All rent payable hereunder shall be prorated as of such
date.

        SECTION 17. SUBORDINATION TO MORTGAGES This Lease and all of Tenant's
rights hereunder are subject and subordinate to any Mortgage now or hereafter
placed on or affecting the Building, and all renewals, modifications,
replacements, amendments and extensions thereof. Upon written request or notice
by Landlord, concurred in by any Mortgagee of the Building or any part thereof
which includes the Premises, or by any person, firm or corporation intending to
become a Mortgagee, Tenant agrees to subordinate its rights under this Lease to
the lien or liens of any Mortgage and to any and all advances to be made
thereunder, and to the interest thereon, and all renewals, replacements and
extensions thereof, provided the Mortgagee named in a Mortgage shall agree to
recognize the lease of Tenant in the event of foreclosure if Tenant is not in
default. Tenant also agrees that any Mortgagee may elect to have this Lease
prior to the lien of its Mortgage, and in the event of such election and upon
notification by such Mortgagee to Tenant to that effect, this Lease shall be
deemed prior in lien to the Mortgage, whether this Lease is dated prior to or
subsequent to the date of the Mortgage. Tenant agrees that, upon the request of
Landlord or any Mortgagee named in such Mortgage, it will execute and deliver
whatever instruments may be required for such purposes. Tenant will, in the
event of the sale or assignment of Landlord's interest in the Building or in the
event of any proceedings brought for the foreclosure of, or in the event of the
exercise of the power of sale under any Mortgage covering the Building, attorn
to and recognize such purchaser or Mortgagee as Landlord under this Lease to the
same extent and effect as the original Landlord.

        SECTION 18. ESTOPPEL CERTIFICATES Tenant agrees that at any time and
from time to time upon not less than fifteen (15) days prior written notice by
Landlord or upon request from any Mortgagee, Tenant shall execute, acknowledge
and deliver to Landlord, and/or any Mortgagee a statement in writing certifying
(i) whether this Lease is unmodified and in full force and effect (or if there
has been modifications, whether this Lease is in full force and effect, as
modified, with such modifications being identified); (ii) the date to which the
Base Rent, Additional Rent, and other charges have been paid; (iii) whether
there exists any default, set-off, defense or other claim against Landlord (and
if so, specifying the nature of same) under the provisions of this Lease; and
(iv) any other facts or conditions relating to this Lease as reasonably
requested.

        SECTION 19. ASSIGNMENT AND SUBLETTING Tenant shall have no right to
assign this Lease or sublet the Premises. For purposes of this Lease, any
assignment of this Lease by operation of law, and any change in control or
management of Tenant by merger, consolidation, sale of assets, sale of stock,
sale of partnership interests or other means of transferring ownership and
control of Tenant or Tenant's business, or the management of Tenant or Tenant's
business shall be deemed an assignment of this Lease.

        SECTION 20. SURRENDER AT END OF TERM Tenant covenants and agrees to
deliver up and surrender to Landlord possession of the Premises upon the
expiration or earlier termination of this Lease, as herein provided, in as good
condition as at the commencement of the term hereof, or as improved during the
term hereof, subject to reasonable wear and tear since the date of the most
recent replacements. In the event Tenant or any party claiming under Tenant

                                                                              14
<PAGE>

remains in possession of the Premises or any part thereof after the expiration
of this Lease without Landlord's consent, no tenancy or interest in the Premises
will result, and such action shall result in unlawful detainer and that party
shall be subject to immediate eviction and removal. In the event Tenant remains
in possession of the Premises after the expiration of this Lease with Landlord's
written consent but without the execution of a new Lease, it shall be deemed to
be occupying the Premises as a tenant from month to month at a rental equal to
two hundred percent (200%) of the Base Rent herein provided and otherwise
subject to all the conditions, provisions and obligations of this Lease,
including, but not limited to, Tenant's obligation to pay Tenant's Share of
Taxes, Insurance Costs, and Operating Expenses, and other obligations
constituting Additional Rent as set forth herein, adjusted as necessary or
appropriate to make the same applicable to a month to month tenancy. The
foregoing shall not constitute Landlord's consent for Tenant to holdover. In the
event Tenant remains in possession of the Premises after the expiration of this
Lease without Landlord's consent, Tenant shall also pay to Landlord all damages
sustained by Landlord resulting from retention of possession by Tenant,
including without limitation the loss of any proposed subsequent tenant for any
portion of the Premises.

        SECTION 21. SIGNS Tenant shall have no right to install any sign
whatsoever on the Premises or the Building without Landlord's prior written
approval. In the event Landlord grants its approval to Tenant for the
installation of a sign or signs, Tenant shall obtain all governmental permits
and/or approvals required for such installation. Tenant shall maintain any such
sign(s) in a good state of repair.

        SECTION 22. LIENS Tenant shall not create or permit to be created or to
remain, and will promptly discharge, at Tenant's sole cost and expense, any
lien, encumbrance or charge upon the Premises or upon Tenant's leasehold
interest therein, or any person claiming under or through Tenant including,
without limitation, any lien, encumbrance or charge which arises out of the use
or occupancy of the Premises by Tenant or by reason of any labor or materials
furnished or claimed to have been furnished to Tenant or by reason of any
construction, addition, alteration or repair of any part of the Premises. The
existence of any mechanic's or vendor's lien, or any right in respect thereof
shall not constitute a violation of this Section 24 if payment is not yet due
upon the contract for the goods or services in respect of which any such lien
has arisen. Without limiting the generality of the foregoing, if any mechanic's
lien is filed against the Premises or upon Tenant's leasehold interest therein,
Tenant shall, within fifteen (15) days after notice thereof, either (a) pay the
lien and obtain a discharge of the same or (b) furnish to Landlord adequate
protection against loss or damage on account of such lien by delivering to
Landlord a sufficient surety bond or other security satisfactory to Landlord in
Landlord's sole discretion. If Tenant shall fail to so pay any such lien or to
provide such security, Landlord may (but shall not be obligated to) pay and
discharge such lien or provide such surety bond or other security, and Tenant
shall reimburse Landlord for all costs and expenses incurred by Landlord in
connection therewith (including the fee or premium for the bond) within five (5)
days after Landlord notifies Tenant of the costs and expenses incurred.

        SECTION 23. DEFAULT

                23.1 Events of Default; Right of Termination. If any one or more
of the following events ("Events of Default") shall occur, then Landlord shall
have the rights hereinafter provided in this Section 23. Such Events of Default
are as follows:

                                                                              15
<PAGE>

                (a) Tenant fails to pay when due the Base Rent, Additional Rent
or any other charges payable hereunder, and such failure continues for five (5)
days ,

                (b) Tenant fails to observe or perform any other covenant,
agreement or provision hereof and such failure continues for fifteen (15) days
after written notice thereof to Tenant; or if such failure cannot with due
diligence be cured within such fifteen (15) day period, Tenant fails within such
fifteen (15) day period to commence to cure such failure and thereafter
prosecute such cure to completion with due diligence,

                (c) Tenant files any proceeding in bankruptcy, or under any
state or federal law relating to the relief of debtors,

                (d) Tenant is adjudicated bankrupt upon an involuntary petition,
unless such adjudication is vacated or set aside within sixty (60) days,

                (e) A receiver is appointed for Tenant's business or property,
unless such appointment is vacated within thirty (30) days after its entry,

                (f) Tenant vacates or abandons the Premises for a total of ten
(10) days or more during the term of this Lease, or

                (g) Tenant sublets the Premises, in whole or in part, assigns
this Lease, or in any manner encumbers its leasehold interest or any other
interest in the Premises.

                23.2 Right of Re-entry. If any such Event of Default shall have
occurred and be continuing after the expiration of the applicable grace period,
Landlord may re-enter and take possession of all or any part of the Premises and
any or all improvements thereon. Landlord may, with process of law by forcible
entry and detainer, ejectment action, action to terminate this Lease, or other
available legal means, remove all persons by force or otherwise without being
liable in damages for such removal. In such event Tenant shall peacefully and
quietly yield up and surrender the Premises to Landlord and remain liable to
Landlord for all losses and damages sustained by reason of any such Event of
Default. Landlord shall not be liable to Tenant for entry into the Premises for
the purpose of inspecting the same, or securing, repairing, or otherwise
exercising possession of the Premises after default by Tenant.

                23.3 Damages Upon Termination. In the event of any such Event of
Default and the subsequent termination of this Lease by Landlord, Landlord shall
be entitled to recover from Tenant (a) all Base Rent and Additional Rent
accruing up to the time of such termination, (b) all damages to the Building and
the Premises, or other damages (including consequential damages) sustained by
Landlord as a result of Tenant's default and the breach of this Lease, and (c)
liquidated damages equal to the Base Rent and Additional Rent reserved for the
balance of the term of this Lease less an amount determined based upon one of
the following which Landlord may elect, in Landlord's sole discretion: (i) the
rentals which Landlord is able to actually obtain, or which any tenant or
tenants have agreed to pay, during the balance of the term of this Lease, which
rentals or agreed rentals shall be presumed to represent the fair rental value
of the Premises, or (ii) the fair

                                                                              16
<PAGE>

rental value of the Premises for the balance of the term hereof, determined by
any other reasonable method, in Landlord's sole discretion.

                23.4 Remedies in Lieu of Termination. At the option of Landlord
and in lieu of terminating this Lease as above provided, Landlord may, with or
without legal process, re-enter the Premises and as the agent of Tenant remove
all persons and any property of Tenant or any tenant holding under Tenant, and
may sublet or relet all or any part of the Premises from time to time for any
unexpired part of the then current term of this Lease, and Landlord may collect
the rents, applying the same first to the payment of expenses of such re-entry
and reletting (including, but not limited to, attorneys' fees, brokerage fees,
expenses for redecoration, alterations and other costs in connection with
preparing the Premises for new tenants), and then to the payment of the Base
Rent and Additional Rent due or to become due under this Lease, and Tenant
agrees to pay any deficiency each month as the same becomes due. No such
re-entry shall release Tenant from its covenants to pay the Base Rent and
Additional Rent provided for in this Lease, and, except insofar as this is
inconsistent with any provision of this Lease, no right or remedy conferred upon
or reserved to Landlord is intended to be exclusive of any other right or
remedy, and each and every right and remedy shall be cumulative and in addition
to any other right or remedy given under this Lease, or now or hereafter
existing in law or in equity. Any suit brought to collect the amount of the
deficiency for any month shall not prejudice in any way the rights of Landlord
to collect the deficiency for any subsequent month by a similar proceeding.
Landlord shall in no event be liable in any way for failure to relet the
Premises or, in the event the Premises are relet, for failure to collect the
rent under such reletting, however, Landlord shall have the obligation to
mitigate its damages using reasonable efforts. Landlord retains sole discretion
to approve a proposed Lease to a tenant whose use of space and financial
condition fit Landlord's then current criteria for leasing space and Landlord
may rent for such market rental value and terms and conditions as Landlord is
renting at such time.

                23.5 Attorneys' Fees. In the event Tenant defaults in the
performance of any of the terms, covenants, agreements or conditions contained
in this Lease and Landlord places the enforcement of this Lease, or the
collection of any rent due or to become due, or recovery of possession of the
Premises, in the hands of any attorney, or files suit upon the same, Tenant
agrees to pay Landlord all reasonable attorneys' fees incurred by Landlord.

                23.6 Condition on Landlord's Liability. Tenant shall not be
entitled to claim a constructive eviction from the Premises unless Tenant shall
have first notified Landlord of the condition or conditions giving rise to such
claim, and, if the complaints are justified, Landlord shall have failed within a
reasonable time after receipt of such notice to remedy such conditions.

        SECTION 24. LANDLORD'S RIGHT TO CURE All costs, charges, adjustments and
expenses which Tenant is obligated to pay under this Lease including, but not
limited to, amounts payable in order to release liens, shall be collectible in
the same manner as the Base Rent and, in the event of nonpayment, Landlord shall
have the same rights and remedies provided for in the case of nonpayment of Base
Rent. If Tenant fails to make any payment which Tenant is required to make
(other than the payment of Base Rent required by this Lease) including, but not
limited to, payment of any utility costs, whether or not separately metered, or
shall default in performing any of its obligations under this Lease, then
Landlord at Landlord's sole option, and at any time after ten (10)

                                                                              17
<PAGE>

days' written notice to Tenant, may (but shall not be obligated to) make such
payment, or cause any such obligation of Tenant to be performed for and on
behalf of Tenant, expending such sums as may be necessary to perform or satisfy
any such obligation of Tenant. All sums so expended by Landlord, together with
interest at a per annum rate of two percent (2%) over the prime rate then in
effect at The Fifth Third Bank from the date of such expenditure, shall be
deemed part of Additional Rent, and shall be repaid by Tenant to Landlord on
demand; but no such payment, act, or expenditure by Landlord shall be deemed a
waiver of Tenant's default nor shall it affect any other remedy of Landlord by
reason of such default.

        SECTION 25. LIEN FOR RENT In order to perfect and evidence Landlord's
lien rights under applicable law and in consideration of the mutual benefits
arising under this Lease, Tenant grants to Landlord a lien and security interest
in all property of Tenant located at the Premises, and this Lease shall
constitute a security agreement under applicable provisions of the Uniform
Commercial Code, and such property shall be and remain subject to such lien and
security interest of Landlord for payment of all rent and other sums agreed to
be paid by Tenant.

        SECTION 26. NO WAIVER No waiver of any condition or covenant of this
Lease to be satisfied or performed by Tenant, shall be deemed to imply or
constitute a further waiver of the same or any like condition or covenant, and
nothing contained in this Lease nor any act of Landlord, except a written waiver
signed by Landlord, shall be construed to be a waiver of any condition or
covenant to be performed by Tenant. All payments of Base Rent or Additional Rent
received by Landlord shall be construed as being on account of the earliest
stipulated and unpaid Base Rent or Additional Rent irrespective of endorsements
or statements on or accompanying such payments. The acceptance of any such
payment shall not be deemed a waiver of any previous or existing default other
than the portion of any past due Base Rent or Additional Rent so received.

        SECTION 27. RIGHTS RESERVED BY LANDLORD Without abatement or diminution
in Base Rent or Additional Rent, and in addition to any other rights reserved in
this Lease, Landlord reserves the following rights:

                27.1 Changing Public Areas. To change the street address and/or
the name of the Building and/or change the arrangement and/or location of the
Building, parking areas, entrances, passageways, doors, doorways, corridors,
stairs, toilets, or other public parts of the Building, without liability to
Tenant.

                27.2 Right of Entry. To enter the Premises at all reasonable
times (a) to make inspections, decorations, alterations, improvements and
repairs to the Premises and the Building and to protect and preserve the same as
Landlord may deem necessary or desirable, (b) to erect, use and maintain pipes
and conduits in and through the Premises, and (c) to exhibit the Premises to
prospective purchasers or tenants of or holders of Mortgages on the Building at
any time, and to others during the last six (6) months of the Primary Term. In
the event any work in the vicinity of the Premises requires entry into the
Premises (whether by Landlord, utility companies, other tenants of the Building
or other persons authorized by Landlord) such entry is hereby authorized
provided that Tenant's occupancy is not unreasonably disturbed.

                                                                              18
<PAGE>

                27.3 Repairs and Improvements. At any time or times, Landlord,
either voluntarily or pursuant to governmental requirement, may make repairs,
alterations or improvements in or to the Building or the Premises or any part of
either, and during alterations may temporarily close entrances, doors, windows,
corridors, elevators or other facilities.

                27.4 Overtime Charges. To charge to Tenant any expense
including, but not limited to, overtime cost incurred by Landlord in the event
that repairs, alterations, decorating or other work in the Premises are made or
done after ordinary business hours at Tenant's request.

        SECTION 28. ENTRY BY LANDLORD Tenant shall provide Landlord with the
names of two (2) persons Landlord may contact for entry into the Premises for
Building emergencies, and for other matters arising in administering this Lease.
If a representative of Tenant is not present to permit Landlord to enter the
Premises at any time that entry is necessary or permissible, Landlord or
Landlord's agents may enter by a master key or may, if necessary, forcibly enter
the same without any liability, provided that, during such entry, reasonable
care shall be accorded to avoid damage or injury to Tenant's property.

        SECTION 29. NOTICES Any notice required or permitted to be given to a
party under the provisions of this Lease shall be in writing and shall be deemed
to be given upon receipt or first refusal if personally delivered, delivered by
courier service, or mailed by certified or registered United States mail,
postage prepaid, addressed as follows:

        Landlord:         Great American Insurance Company
                          580 Walnut Street
                          Cincinnati, Ohio   45202

        Tenant:           Infinity Property and Casualty Corporation
                          2204 Lakeshore Drive
                          Birmingham, AL 35209-6787

Either party may, from time to time, change its notice address by notice to the
other in accordance with the provisions of this Section.

        SECTION 30. INABILITY TO PERFORM This Lease and the obligation of Tenant
to pay Base Rent and Additional Rent and perform all of its other obligations
shall not be affected, impaired or excused because Landlord is unable to fulfill
any of its obligations under this Lease, or to supply (or is delayed in
supplying), any service expressly or impliedly to be furnished, or is unable to
make (or is delayed in making), any improvements (including, but not limited to,
the performance of Landlord's Work), repairs, additions, alterations or
decorations, or is unable to supply (or is delayed in supplying) any equipment
or fixtures, if Landlord is so prevented or delayed by reason of strike, lockout
or labor dispute, lack or failure of customary sources of supply of fuel, labor
and materials, or due to any other cause beyond the reasonable control of
Landlord, including without limitation national emergency, any law or
governmental rule, order or regulation, war, civil commotion, riot, interference
by civil or military authorities, fire or other casualty or act of God
(including, but not limited to, flood, earthquake, or other natural disaster).

                                                                              19
<PAGE>

        SECTION 31. RULES AND REGULATIONS Tenant and Tenant's employees, agents,
contractors, invitees and licensees shall observe and comply with such
reasonable rules and regulations as Landlord or Landlord's agents may, after
notice to Tenant, from time to time adopt. In the event of any inconsistencies
between the rules and regulations and the provisions of this Lease, the
provisions of this Lease shall override the rules and regulations.

        SECTION 32. NO REPRESENTATION BY LANDLORD Landlord and Landlord's agents
have made no representations or promises with respect to the Building or the
Premises except as expressly set forth herein.

        SECTION 33. ENVIRONMENTAL INDEMNITY Tenant shall not use all or any
portion of either the Building or the Premises for the generation, treatment,
storage, disposal, or release, as such terms are defined under applicable
Environmental Laws (as defined below), of any pollutants, dangerous substances,
toxic substances, hazardous wastes, hazardous materials, or hazardous substances
as defined in or pursuant to the Comprehensive Environmental Response,
Compensation and Liability Act, 42 U.S.C. Section 9601 et. seq., as amended, the
Resource Conservation and Recovery Act of 1976, 42 U.S.C. Section 6901 et. seq.,
as amended, and any and all other environmental, health, or safety-related
federal, state or local law, ordinance, rule, regulation, or statute
(hereinafter referred to as "Environmental Laws") and shall include, without
limitation, asbestos, oil, petroleum products and distillates, and PCBs (any or
all of which are hereinafter referred to as "Hazardous Materials").

        Except for de minimis quantities of Hazardous Materials used by Tenant
in the ordinary course of its business, such as cleaning supplies and photocopy
materials, Tenant may generate, treat, store, or dispose of or release Hazardous
Materials only with the express prior consent of Landlord, and then only to the
extent that any generation, treatment, storage, disposal, or release of
Hazardous Materials is (i) properly licensed and approved by all appropriate
governmental officials and in accordance with all applicable Environmental Laws
and (ii) in compliance with any terms and conditions stated in said prior
approval by Landlord. Tenant may use such Hazardous Materials in the ordinary
course of business, provided that such use is in accordance with all applicable
Environmental Laws, and applicable manufacturer instructions, and provided
further that Tenant may not release any Hazardous Materials except as provided
by the applicable Environmental Laws, and specifically may not discharge any
Hazardous Materials in any public sewer or any drain and/or drainpipe leading or
connected thereto. Tenant shall hold Landlord harmless from any such generation,
treatment, storage, disposal, or release of Hazardous Materials by Tenant,
including any costs of all necessary cleanup activities occasioned by Tenant's
action, whether during the term hereof or after termination of this Lease.
Landlord agrees to indemnify, defend, and hold harmless Tenant from any losses,
costs, damages, fines, penalties, expenses, or attorneys' fees with respect to
claims to damage to property or injury or death to persons arising from the
presence of Hazardous Materials on or about the Premises at the time of Tenant's
possession, or arising from Landlord's noncompliance with, or violation of, any
Environmental Laws. Landlord represents and warrants that, as of the
Commencement Date of the term, the Premises shall be delivered to Tenant in
compliance with all Environmental Laws.

                                                                              20
<PAGE>

        SECTION 34. CAPTIONS The captions to the Sections of this Lease are
inserted only as a matter of convenience and for reference and in no way define,
limit or describe the scope or intent of this Lease.

        SECTION 35. BROKER As part of the consideration for the granting of this
Lease, Landlord and Tenant represent and warrant to each other that no brokers
negotiated or were instrumental in negotiating or consummating this Lease.
Landlord and Tenant covenant and agree to defend, indemnify and save harmless
each other from and against any claims for brokerage or other commissions,
similar fees or compensation for any service rendered at its instance by any
other person in connection with this Lease.

        SECTION 36. QUIET ENJOYMENT Upon Tenant's paying the Base Rent and
Additional Rent and observing and performing all of Tenant's other obligations
under this Lease, Tenant shall quietly enjoy the Premises free of hindrance and
molestation by Landlord, subject however, to the terms of this Lease, and any
Mortgages.

        SECTION 37. SUCCESSORS The terms, covenants and conditions contained in
this Lease shall be binding upon and inure to the benefit of Landlord and Tenant
and their respective heirs, legal representatives, successors and assigns.

        SECTION 38. ENTIRE AGREEMENT This Lease contains the entire agreement
between the parties and shall not be modified in any manner except by an
instrument in writing executed by the parties.

        SECTION 39. LANDLORD'S SUCCESSORS. The term "Landlord" as used in this
Lease shall be limited to mean and include only Great American Insurance
Company, their successors and assigns, so that in the event of any subsequent
transfer of Landlord's interest herein, the previous landlord shall be entirely
released with respect to the performance of all subsequently accruing covenants
and obligations on the part of Landlord.

        SECTION 40. MEMORANDUM OF LEASE The full text of this Lease shall not be
recorded by either party.

        SECTION 41. SEVERABILITY If any term or condition of this Lease or its
application to any person or circumstance shall to any extent be in violation of
or unenforceable under any law, rule, regulation or order (including any court
order) now existing or hereafter enacted by any governmental entity having
jurisdiction, this Lease, or the application of such term or condition to
persons or circumstances other than those as to which it is invalid or
unenforceable, shall not be affected, and shall be enforceable to the extent
permitted by law.

        SECTION 42. LIMITATION UPON LIABILITY If Landlord, or any successor or
assign, fails to perform any covenant, term or condition of this Lease upon
Landlord's part to be performed and as a consequence of such default Tenant
recovers a money judgment against Landlord, such judgment shall be satisfied
only out of the proceeds of sale received upon execution of such judgment and
levy thereon against the right, title and interest of Landlord in the Building,
and neither Landlord nor, if Landlord be a partnership, any of the partners
comprising Landlord, will

                                                                              21
<PAGE>

be liable for any deficiency. It is understood that in no event shall Tenant
have the right to levy execution against any property of Landlord other than its
interest in the Building as hereinbefore expressly provided. In the event of the
sale or other transfer of Landlord's right, title and interest in the Premises
or the Building, Landlord will be released thereby from all liability and
obligations hereunder.

        SECTION 43. RELOCATION OF PREMISES. Landlord shall have the right, at
its option, upon at least thirty (30) days' prior written notice to Tenant, to
relocate Tenant and to substitute for the Premises described herein other space
in the Building containing at least as many square feet as the Premises. Such
substituted space shall be improved by Landlord, at its expense, with
improvements at least equal in quantity and quality as those in the Premises.
Upon completion of the relocation, Landlord and Tenant shall amend this Lease to
change the description of the Premises and any other matters pertinent thereto.

        SECTION 44. BANKRUPTCY Nothing contained in this Section 46 shall be
deemed in any manner to limit Landlord's rights and remedies under the
Bankruptcy Code, as presently existing or as may hereafter be amended. Upon the
filing of a petition by or against Tenant under the Bankruptcy Code, Tenant, as
debtor or as debtor in possession, agrees:

                (a) To perform promptly and fully each and every obligation of
Tenant under this Lease, until such time as this Lease is either rejected or
assumed by order of a United States Bankruptcy Court or other United States
Court of competent jurisdiction; or deemed rejected by operation of law,
pursuant to 11 U.S.C. Section 365(c)(4).

                (b) Notwithstanding anything in this Lease to the contrary, all
amounts payable by Tenant to or on behalf of Landlord hereunder, whether or not
expressly denominated as rent, shall constitute "rent" for the purposes of
Section 502(b)(6) of the Bankruptcy Code including, but not limited to,
reasonable attorneys' fees incurred by Landlord by reason of Tenant's
bankruptcy.

                (c) Included within and in addition to any other conditions or
obligations imposed upon Tenant in the event of assumption and/or assignment are
the following:

                        (1) In the event of assignment, the execution and
delivery to Landlord of an instrument by which the assignee assumes all of the
obligations arising under this Lease from and after the date of assignment
pursuant to the provisions of the Bankruptcy Code.

                        (2) The cure of any defaults and the compensation of
pecuniary loss resulting from any such default, within thirty (30) days after
assumption.

                        (3) The use of the Premises as set forth herein, it
being understood and agreed that compliance with the provisions of this Lease is
essential to preserve the tenant mix in the Building.

                        (4) In the event of assignment, the assignee may not
exercise any option to extend the term of this Lease.

                                                                              22
<PAGE>

                        (5) Adequate assurance of future performance under this
Lease, for the purposes of assumption and/or assignment, shall include adequate
assurance:

                                (i) of the source of rent and other
consideration due under this Lease, and in the event of assignment, that the
Lease and the financial condition and operating performance of the proposed
assignee and its guarantors, if any, shall be at least equal to the financial
condition and operating performance of Tenant and its guarantors, if any, as of
the time Tenant became the lessee under this Lease;

                                (ii) that assumption or assignment of this Lease
is subject to all the provisions hereof, and will not breach any such provision
contained in any other lease, financing agreement, or master agreement relating
to the Building;

                                (iii) that assumption or assignment of this
Lease will not disrupt any tenant mix or balance in the Building.

                        (6) The adequate assurance and demonstration in writing
by a debtor, debtor in possession or assignee of such debtor in possession of
such party's sufficient background including, but not limited to, experience in
downtown locations and financial ability to operate out of the Premises pursuant
to the terms and conditions of this Lease and to meet all other reasonable
criteria of Landlord as did Tenant upon execution of this Lease.

                        (7) The Premises, at all times, remain a single office
and no physical changes of any kind are made thereto unless in compliance with
the applicable provisions of this Lease.

                (d) No default of this Lease by Tenant, either prior to or
subsequent to the filing of any such petition, shall be deemed to have been
waived unless expressly done so in writing by Landlord.

        SECTION 45. RELATIONSHIP OF PARTIES It is the intention of this Lease to
create the relation of landlord and tenant between the parties hereto and no
other relation whatsoever. Nothing herein contained shall be construed to make
the parties partners or joint venturers, or to render either party liable for
any of the debts or obligations of the other party.

        SECTION 46. GOVERNING LAW This Lease shall be governed by and construed
in accordance with the laws of the State of Ohio.

                                                                              23
<PAGE>

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

Signed and acknowledged                        LANDLORD:
in the presence of:
                                               GREAT AMERICAN INSURANCE
                                               COMPANY, an Ohio corporation

                                               By:
-------------------------------                   ------------------------------
                                               Name: Ronald C. Hayes
                                                    ----------------------------
                                               Title:  Assistant Vice President
                                                    - --------------------------

                                               TENANT:

                                               INFINITY PROPERTY AND CASUALTY
                                               CORPORATION, An Ohio corporation

-------------------------------                By:
                                                  ------------------------------
                                               Name:
                                                    ----------------------------
                                               Title:
                                                     ---------------------------

STATE OF OHIO             )
                          ) SS
COUNTY OF HAMILTON        )

        The foregoing instrument was acknowledged before me this ______ day of
________, 2003, by Ronald C. Hayes, Assistant Vice President of Great American
Insurance Company, an Ohio corporation, acting on behalf of said corporation,
Landlord.

                                                   -----------------------------
                                                   NOTARY PUBLIC

STATE OF OHIO             )
                          ) SS
COUNTY OF HAMILTON        )

        The foregoing instrument was acknowledged before me this _____ day of
_______, 2003, by Infinity Property and Casualty Corporation, an Ohio
corporation, by _______________, its __________________, for and on behalf of
said corporation.

                                                   -----------------------------
                                                   NOTARY PUBLIC

                                                                              24
<PAGE>

                                    EXHIBIT A

                             DESCRIPTION OF BUILDING

      Five Story Building Located at 14 E. Fourth Street, Cincinnati, Ohio

<PAGE>

                                   EXHIBIT A-1

                                   FLOOR PLAN

<PAGE>

                                    EXHIBIT B

                     RULES AND REGULATIONS FOR THE BUILDING

        1. Common Areas. Tenant shall not use the Common Areas, including areas
adjacent to the Premises, for any purpose other than ingress and egress, and any
such use thereof shall be subject to the other provisions of this Lease,
including these Rules and Regulations. Tenant shall not allow anything to remain
in any passageway, sidewalk, corridor, stairway, entrance, exit, elevator,
shipping area, or other area outside the Premises.

        2. Deliveries. Furniture, inventory, and all other deliveries may be
brought into the Building only at times and in the manner designated by
Landlord, in compliance with all laws, and always at Tenant's sole risk.
Tenant's use of any freight elevators, loading, and service areas at the
Building shall be subject to scheduling by Landlord. Tenant shall not take or
permit to be taken in or out of other entrances or elevators of the Building,
any item normally taken, or which Landlord otherwise requires to be taken, in or
out through service doors or on freight elevators. Tenant shall move all
inventory, supplies, furniture, equipment, and other items as soon as received,
directly to the Premises. Tenant shall advise and cause its vendors to deliver
merchandise only at those times established by Landlord. All deliveries are to
be made to designated service or receiving areas, and Tenant shall request
delivery trucks to approach such service or receiving areas only upon the
designated service routes and drives.

        3. Plumbing Equipment. The toilet rooms, urinals, wash bowls, drains and
sewers, and other plumbing fixtures, equipment, and lines shall not be misused
or used for any purpose other than that for which they were constructed and no
foreign substance of any kind whatsoever shall be thrown therein, and Tenant
shall properly install, maintain, clean, repair, and replace adequate grease
traps. Without limiting the foregoing in any way, Tenant shall not dispose in
sinks or commodes the following: plastic products, feminine hygiene products,
tea bags, coffee grounds, cooking fats or cooking oils, food residue, petroleum
products, paint products, or any other item which the same are not designed to
receive.

        4. Roof: Awnings and Projections. Tenant shall not install any aerial,
antennae, satellite dish, or any other device on the roof, exterior walls, or
Common Areas of the Building. No awning or other projection shall be attached by
or for Tenant to the exterior walls of the Premises or the Building of which it
is a part. Under no circumstances shall any penetrations through the roof be
made by Tenant without the prior written consent of Landlord.

        5. Overloading Floors. Tenant shall not overload any floor or part
thereof in the Premises, including any public corridors or elevators therein,
and Landlord may direct and control the location of safes, vaults, and all other
heavy articles and require supplementary supports of such material and
dimensions as Landlord may deem necessary to properly distribute the weight at
Tenant's expense, including expenses for structural review and engineering.

        6. Closing and Locking Doors. Unless permitted by Landlord, all doors
are to remain closed at all times except while in actual use. Tenant is
responsible for the locking of doors to the Premises.

                                      -1-
<PAGE>

        7. Unattended Premises. Before leaving the Premises unattended, Tenant
shall close and securely lock all doors or other means of entry to the Premises
and shut off all lights (except signs required to be illuminated hereunder),
water faucets, and other utilities in the Premises (except heat to the extent
necessary to prevent the freezing or bursting of pipes). This provision shall
not imply that Tenant may leave the Premises unattended in violation of the
operating requirements set forth elsewhere in this Lease.

        8. Locks. Unless approved by Landlord, no additional locks or similar
devices shall be attached to any door. All keys must be acquired from Landlord.
If additional keys are required, other than the standard number of keys provided
by Landlord, Landlord agrees to provide Tenant with copies of said keys upon
payment by Tenant of the cost involved in duplicating said keys. Upon
termination of this Lease or Tenant's possession, Tenant shall surrender all
keys of the Premises and to provide Landlord with all combinations for locks on
safes, cabinets and vaults.

        9. Food, Beverages, Game, and Vending Machines. Tenant shall not: (i)
use the Premises for the manufacture, preparation, display, sale, barter, trade,
gift, or service of food or beverages, including without limitation,
intoxicating liquors; or (ii) install, operate, or use any video, electronic, or
pinball game or machine, or any coin or token operated vending machine or device
to provide products, merchandise, food, beverages, candy, cigarettes, or other
commodities or services, including, but not limited to, pay telephones, pay
lockers, pay toilets, scales, and amusement devices; provided, however, that
Tenant may install vending machines for the sale of non-alcoholic beverages,
food, and candy in an area not visible from the sales area or exterior of the
Premises for the exclusive use of Tenant's employees.

        10. Going-Out-Of-Business Sales and Auctions. Tenant shall not use or
permit any other party to use the Premises for any distress, fire, bankruptcy,
close-out, "lost our lease", or going-out-of-business sale or auction. Tenant
shall not display any signs advertising the foregoing anywhere in or about the
Premises. This prohibition shall also apply to Tenant's creditors.

        11. Landlord's Trade Name and Trademarks. No symbol, design, name, mark,
or insignia adopted by Landlord for the Building, or picture or likeness of the
Building, shall be used by Tenant without the prior written consent of Landlord.

        12. Advertising and Signage. Unless expressly permitted by Landlord,
such permission not to be unreasonably withheld, conditioned or delayed, no
signage, advertising or other lettering shall be affixed to any part of the
Building, inside or outside. Landlord reserves the right to remove any
unapproved signage or lettering without notice to Tenant.

        13. Windows and Projections. Landlord shall not permit anything affixed
to the window glass, nor will Landlord allow anything to project beyond or be
placed on the window ledge. All windows are to remain closed when the Building's
heating and ventilating system is in operation. Tenant agrees not to allow
anything to be dropped or thrown from the windows or window ledges.

        14. Bicycles and Animals. Without prior consent of Landlord, no bicycles
or other vehicles shall be permitted in the Building. Animals are prohibited
from the Building.

                                      -2-
<PAGE>

        15. Noises and Nuisances. Tenant shall not make or permit any noises or
odors that are objectionable to Landlord or the other occupants of the Building.
In addition, Tenant shall not disturb, solicit or canvass any occupant or
visitor to the Building.

        16. Solicitors. Landlord reserves the right to exclude or eject any or
all solicitors, canvassers, peddlers or any other class of person(s) who conduct
themselves in such a manner that is in annoyance to the tenants of the Building
and interferes with the Building operation or security.

        17. Obstructions. Unless permitted by Landlord, Tenant shall not
obstruct the ingress or egress of the sidewalks, entrances, corridors, hallways,
vestibules, elevators or stairways. Tenant agrees not to place any floor mats in
the hallways and corridors.

        18. Non-Smoking Building. In accordance with the Surgeon General of the
United States, to maintain a healthy work environment, Landlord designates the
Building a non-smoking building. It is Tenant's responsibility to see that all
staff and clientele are made aware of this policy and its enforcement.

        19. Responsibility for Compliance. Tenant shall be responsible for
ensuring compliance with these Rules and Regulations, as they may be amended, by
Tenant's employees and, as applicable, by Tenant's agents, invitees,
contractors, subcontractors, and suppliers.

        20. Additional Rules. Landlord reserves the right to make further rules
and regulations as deemed necessary in order to maintain the highest quality of
operation, safety and cleanliness for all tenants, clients and visitors of the
Building.

                                      -3-

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