Document:

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                                                                   EXHIBIT 10.11

                      EQUIPMENT LOAN AND SECURITY AGREEMENT

      THIS EQUIPMENT LOAN AND SECURITY AGREEMENT (this "Agreement") is made as
of October 1, 2002 (the "Closing Date"), by and between GE CAPITAL FRANCHISE
FINANCE CORPORATION, a Delaware corporation ("Lender"), and SCS FINANCE I, L.P,
a Delaware limited partnership ("Borrower").

                                   AGREEMENT:

      In consideration of the mutual covenants and provisions of this Agreement,
the parties agree as follows:

      1. DEFINITIONS. The following terms shall have the following meanings for
all purposes of this Agreement:

      "Affiliate" means any Person which directly or indirectly controls, is
under common control with, or is controlled by any other Person. For purposes of
this definition, "controls," "under common control with" and "controlled by"
means the possession, directly or indirectly, of the power to direct or cause
the direction of the management and policies of such Person, whether through
ownership of voting securities or otherwise.

      "Affiliated Borrower" means SCS Finance II, L.P., a Delaware limited
partnership.

      "Affiliated Borrower Loan Agreements" means, collectively, the Loan
Agreement and Equipment Loan and Security Agreement, both dated as of the date
of this Agreement, between Lender and an Affiliated Borrower pursuant to which
Lender is making mortgage and equipment loans to the Affiliated Borrower, as the
same may be supplemented and amended from time to time.

      "Affiliated Borrower Loan Document" or "Affiliated Borrower Loan
Documents" means, individually or collectively, as the context may require, the
Affiliated Borrower Loan Agreements, the notes, deeds of trust or mortgages,
environmental indemnity agreements, and other documents or instruments
contemplated by the Affiliated Borrower Loan Agreements, all as amended and
supplemented from time to time.

      "Borrower Parties" means, collectively, Borrower and any guarantors of the
Equipment Loan now or in the future (including, in each case, any
predecessors-in-interest).

      "Business Day" means any day on which Lender is open for business other
than a Saturday, Sunday or a legal holiday, ending at 5:00 P.M. Phoenix, Arizona
time.

      "Change of Control" means a change in control of any of the Borrower
Parties occurring as a result of: (i) any merger or consolidation by any of the
Borrower Parties, as applicable, with or into any other entity other than
another entity controlled by Alon Israel Oil Company Ltd. or any successor in
interest thereto; or (ii) if any "Person" as defined in Section 3(a)(9) of the
Securities and Exchange Act of 1934, as amended (the "Exchange Act"), and as
used in Section 13(d) and 14(d) thereof, including a "group" as defined in
Section 13(d) of the Exchange Act, who, subsequent to the Closing, becomes the
"beneficial owner" (as defined in Rule 13d-3 under the Exchange Act), of
securities of any of the Borrower Parties, as applicable, representing 50% or
more of the combined voting power of that Borrower Party's then outstanding
securities (other than indirectly as a result of the redemption by any of the
Borrower Parties, as applicable, of its securities) including, without
limitation, a change in control resulting from direct or indirect transfers of
voting stock or partnership, membership or other ownership interests, whether in
one or a series of transactions; provided, however, that if no Event of Default,
or events or circumstances which with the giving of notice or passage of time
will result in an Event of Default, then exists, then no Change in Control of
any of the Borrower Parties shall be deemed to have occurred if immediately
following the event that would otherwise cause that Change in Control: (i)
Lessee has an aggregate amount of partners' capital equal to or greater than the
aggregate amount of the partners' capital of Lessee, as determined in accordance
with GAAP immediately prior to that event and the Corporate Fixed Charged
Coverage Ratio (as defined in the Master Lease) of Lessee determined for the
last twelve full months occurring prior to that event is at least 1.5:1; or (ii)
the rating agency then rating the

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debt of Guarantor has confirmed that the credit rating of Guarantor is no lower
than its credit rating immediately prior to that event; and provided, further,
no event that would otherwise be deemed to be a Change in Control hereunder as a
result of any merger or consolidation of, or the transfer of the voting stock or
other voting ownership interests in, Alon Israel Oil Company Ltd. shall be
deemed to be a Change in Control under this Agreement or any other Loan
Document. For purposes of this definition, "control" means the possession,
directly or indirectly, of the power to direct or cause the direction of the
management and policies of any of the Borrower Parties, as applicable.

      "Closing" means the disbursement of the Equipment Loan Amount as
contemplated by this Agreement.

      "Code" means Title 11 of the United States Code, 11 U.S.C. Sec. 101 et
seq., as amended.

      "Confidential Information" means, except as otherwise contemplated by
Section 13.R, any proprietary or confidential or nonpublic information relating
to Borrower and Lessee which is provided by Borrower or Lessee to Lender,
provided that such information is confidential and is identified thereon as
being confidential.

      "Default Rate" has the meaning set forth in the Equipment Note.

      "Equipment" means the furniture, machinery, equipment, trade fixtures,
appliances, gas pumps and canopies and other tangible personal property (but
excluding inventory) now or hereafter located on the Premises and all income
therefrom and all proceeds thereof.

      "Equipment Loan" or "Equipment Loans" means, individually or collectively,
as the context may require, the equipment loan for each Premises, or the
equipment loans for more than one or all of the Premises, described in Section
2.

      "Equipment Loan Amount" or "Equipment Loan Amounts" means, individually or
collectively, as the context may require, the aggregate amount set forth in
Section 2 or, with respect to each Premises, the individual amount set forth on
Exhibit A.

      "Equipment Note" or "Equipment Notes" means, individually or collectively,
as the context may require, the equipment promissory note dated as of the
Closing Date executed by Borrower in favor of Lender, evidencing an Equipment
Loans with respect to a Premises or the equipment promissory notes dated as of
the date of this Agreement to be executed by Borrower in favor of Lender
evidencing the Equipment Loan with respect to all of the Premises, as the same
may be amended, restated and/or substituted from time to time. An Equipment Note
will be executed for each Premises in the Equipment Loan Amount corresponding to
such Premises as set forth on Exhibit A.

      "Event of Default" has the meaning set forth in Section 9.

      "Fee" means an underwriting, valuation and processing fee equal to 1% of
the amount of the Equipment Loan.

      "Fee Equipment" means Borrower's interest in "Personal Property" as
defined in the Mortgage Loan Agreement.

      "Fee Property" or "Fee Properties" means, as the context may require, one
or more of the "Premises" as defined in the Mortgage Loan Agreement.

      "GAAP" means generally accepted accounting principles consistently applied
and in effect in the United States of America from time to time.

      "Governmental Authority" means any governmental authority, agency,
department, commission, bureau, board, instrumentality, court or
quasi-governmental authority having jurisdiction or supervisory or regulatory
authority over the Equipment or any of the Borrower Parties.

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      "Guarantor" means Alon USA, Inc., a Delaware corporation, and its
successors.

      "Guaranty" means the unconditional guaranty of payment and performance
dated as of the date of this Agreement executed by Guarantor for the benefit of
Borrower with respect to the Master Lease.

      "Lender Entities" means, collectively, Lender (including any
predecessor-in-interest to Lender) and any Affiliate of Lender (including any
Affiliate of any predecessor-in-interest to Lender).

      "Lessee" means Southwest Convenience Stores, LLC, a Texas limited
liability company, and its successors and assigns.

      "Lessee Parties" means, collectively, Lessee and any guarantors of the
Master Lease now or in the future (including, in each case, any
predecessors-in-interest, as applicable).

      "Loan Documents" means, collectively, this Agreement, the Equipment Notes,
the UCC-1 Financing Statements, the Master Lease and all other documents,
instruments and agreements executed in connection therewith or contemplated
thereby.

      "Loan Pool" means:

      (i)   in the context of a Securitization, any pool or group of loans that
            are a part of such Securitization;

      (ii)  in the context of a Transfer, all loans which are sold, transferred
            or assigned to the same transferee; and

      (iii) in the context of a Participation, all loans as to which
            participating interests are granted to the same participant.

      "Master Lease" means the master lease agreement between Borrower and
Lessee, of even date herewith, pursuant to which Borrower leases to Lessee all
of the Equipment and the Fee Properties.

      "Material Adverse Effect" means a material adverse effect on (i) all of
the Equipment subject to the security interest granted hereby, including without
limitation, the use of the Equipment in the operation of a Permitted Concept, or
(ii) Borrower's ability to perform its obligations under the Loan Documents.

      "Mortgage Loan" means the mortgage loan from Lender to Borrower evidenced
by the Mortgage Loan Documents.

      "Mortgage Loan Agreement" means that certain Loan Agreement dated as of
the date of this Agreement between Borrower and Lender with respect to the
mortgage loans to be made by Lender to Borrower and secured by a first priority
lien on each Fee Property and the Fee Equipment located thereon, as the same may
be amended and supplemented from time to time.

      "Mortgage Loan Document" or "Mortgage Loan Documents" mean, individually
or collectively, as the context may require, the "Loan Document" or a "Loan
Documents" as defined in the Mortgage Loan Agreement.

      "Obligations" has the meaning set forth in Section 4 hereof.

      "Other Agreements" means, collectively, all agreements and instruments
between, among or by (1) any of the Borrower Parties, Affiliated Borrower,
and/or any other Affiliate of any of the Borrower Parties (including any
Affiliate of any predecessor in interest to any of the Borrower Parties), and,
or for the benefit of, (2) any of the Lender Entities, including, without
limitation, promissory notes and guaranties; provided, however, the term "Other
Agreements" shall not include the agreements and instruments defined as the Loan
Documents, Mortgage Loan

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Documents, the Affiliated Borrower Loan Documents, or any agreements or
instruments between, among or by (a) Lessee and/or any guarantor, and, or for
the benefit of (b) and of the Lender Entities.

      "Participation" means one or more grants by Lender or any of the other
Lender Entities to a third party of a participating interest in notes evidencing
obligations to repay secured or unsecured loans owned by Lender or any of the
other Lender Entities or any or all servicing rights with respect thereto.

      "Permitted Concept" means the operation of each Premises as a recognized,
regionally or nationally branded convenience store or convenience store brand
used by Lessee for substantially all of its stores, with facilities for the sale
of gasoline, which sells gasoline under the brand name "Fina" (or any variant
thereof or successor brand thereto) or under any other national or brand name
for gasoline having a similar or greater name recognition in the market area in
which the Premises are located or any other brand to which Lender consents, in
Lender's reasonable discretion.

      "Permitted Exceptions" means (i) liens or encumbrances created by, through
or under the Lender or any Person claiming by or through Lender, (ii) liens or
encumbrances for taxes, assessments or other governmental charges either not yet
due or being contested by Borrower or Lessee in accordance with the Loan
Documents, or the Lease, (iii) inchoate materialmen's, mechanic's, workmen's,
repairmen's or other like liens arising in the ordinary course of business and
for amounts the payment of which is either not yet due or being contested by
Borrower or Lessee in good faith with due diligence by appropriate proceedings
(and for the payment of which adequate reserves have been provided or for which
performance or similar bond has been issued), if the nonpayment of such amount
does not involve any material danger of sale, forfeiture or loss of any part of
the Equipment, title thereto or any interest therein, and (iv) the Master Lease.

      "Permitted Recipients" means, collectively, Lender, its respective
successors and assigns, the authorized employees, agents and representatives,
lenders, purchasers, transferees, assignees, servicers, participants, investors,
analysts, attorneys and advisors of Lender and their respective successors and
assigns, and Governmental Authorities with regulatory authority over Lender and
selected rating agencies with a need to know.

      "Person" means any individual, corporation, partnership, limited liability
company, trust, unincorporated organization, Governmental Authority or any other
form of entity.

      "Premises" means the parcel or parcels of real estate where the Equipment
is located, more particularly described in Exhibit A attached hereto, which are
each leased to Lessee pursuant to a Premises Lease.

      "Premises Lease" or "Premises Leases" means, as the context may require,
one or more leases between Lessee, as lessee, and an owner of the fee simple
interest in one or more Premises (or, in either case, a success-in-interest) in
accordance with which Lessee has the right to operate a Permitted Concept at
such Premises.

      "Related Lease" means the master lease, dated as of the date of this
Agreement, between the Affiliated Borrower, as lessor, and Lessee, as lessee, as
the same may be amended and supplemented from time to time. The Related Lease
provides for the lease of certain real property and equipment owned by the
Affiliated Borrower.

      "Securitization" means one or more sales, dispositions, transfers or
assignments by Lender or any of the other Lender Entities to a special purpose
corporation, trust or other entity identified by Lender or any of the other
Lender Entities of notes evidencing obligations to repay secured or unsecured
loans owned by Lender or any of the other Lender Entities (and, to the extent
applicable, the subsequent sale, transfer or assignment of such notes to another
special purpose corporation, trust or other entity identified by Lender or any
of the other Lender Entities), and the issuance of bonds, certificates, notes or
other instruments evidencing interests in pools of such loans, whether in
connection with a permanent asset securitization or a sale of loans in
anticipation of a permanent asset securitization. Each Securitization shall be
undertaken in accordance with all requirements which may be imposed by the
investors or the rating agencies involved in each such sale, disposition,
transfer or assignment or which may be imposed by the investors or the rating
agencies involved in each such sale, disposition, transfer or assignment or
which may be imposed by applicable securities, tax or other laws or regulations.

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      "Substitute Equipment" means equipment substituted for Equipment in
accordance with the requirements of Section 12 hereof.

      "Substitute Premises" means one or more parcels of real property where
Substitute Equipment is located thereon (whether or not affixed to such real
property). For purposes of clarity, where two or more parcels of real property
comprise a Substitute Premises, such parcels shall be aggregated and deemed to
constitute the Substitute Premises for all purposes of this Agreement

      "Terrorism Laws" means Executive Order 13224 issued by the President of
the United States of America, the Terrorism Sanctions Regulations (Title 31 Part
595 of the U.S. Code of Federal Regulations), the Terrorism List Governments
Sanctions Regulations (Title 31 Part 596 of the U.S. Code of Federal
Regulations), and the Foreign Terrorist Organizations Sanctions Regulations
(Title 31 Part 597 of the U.S. Code of Federal Regulations), and all other
present and future federal, state and local laws, ordinances, regulations,
policies and any other requirements of any Governmental Authority (including,
without limitation, the United States Department of the Treasury Office of
Foreign Assets Control) addressing, relating to, or attempting to eliminate,
terrorist acts and acts of war, each as hereafter supplemented, amended or
modified from time to time, and the present and future rules, regulations and
guidance documents promulgated under any of the foregoing, or under similar
laws, ordinances, regulations, policies or requirements of other states or
localities.

      "Transfer" means one or more sales, transfers or assignments by Lender or
any of the other Lender Entities to a third party of notes evidencing
obligations to repay secured or unsecured loans owned by Lender or any of the
other Lender Entities or any or all servicing rights with respect thereto.

      "UCC" means, with respect to each Premises, the Uniform Commercial Code as
in effect in the state in which such Premises is located.

      "UCC-1 Financing Statements" means such UCC-1 Financing Statements as
Lender shall file with respect to the transactions contemplated by this
Agreement.

      2. TRANSACTION. On the terms and subject to the conditions set forth in
the Loan Documents, Lender shall make the Equipment Loans to Borrower. The
Equipment Loans will be evidenced by the Equipment Notes and secured by this
Agreement and the UCC-1 Financing Statements. Borrower shall repay, and may
prepay (subject to the terms of the Note) the outstanding principal amount of
the Equipment Loans together with interest thereon in the manner and in
accordance with the terms and conditions of the Equipment Notes and the other
Loan Documents. The aggregate Equipment Loan Amount shall be $6,252,000.00. The
Equipment Loans shall be advanced at the Closing in cash or otherwise
immediately available funds subject to any prorations and adjustments required
by this Agreement. The Equipment shall be leased to the Lessee pursuant to the
Master Lease and, at Closing, Borrower shall (A) assign the Master Lease to
Lender pursuant to the Mortgage Loan Documents and (B) grant Lender a security
interest in the Master Lease pursuant to this Agreement.

      3. CLOSING CONDITIONS. The obligation of Lender to consummate the
transaction contemplated by this Agreement is subject to the fulfillment or
waiver of each of the following conditions:

      A. Title. Title to the Equipment shall be vested in Borrower, free of all
liens, encumbrances, restrictions, encroachments and easements, except Permitted
Exceptions and the liens or encumbrances created by this Agreement, the Master
Lease and the UCC-1 Financing Statements. Upon Closing, Lender will obtain a
valid and perfected first priority lien upon and security interest in the
Equipment.

      B. Compliance With Representations, Warranties and Covenants. No event
shall have occurred or condition shall exist which would, upon the Closing Date,
or, upon the giving of notice and/or passage of time, constitute a breach or
default hereunder or under the Loan Documents, the Mortgage Loan Documents, the
Affiliated Borrower Loan Documents or any other agreement between or among
Lender, any of the Borrower Parties or any other party to any other agreement
affecting the Premises pertaining to the subject matter hereof, and no event
shall have occurred or condition shall exist or information shall have been
disclosed by Borrower or discovered by Lender which has had or

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would be reasonably likely to have a material adverse effect on the Premises,
the Equipment, any of the Borrower Parties.

      C. Proof of Insurance. Borrower shall have delivered to Lender
certificates of insurance and copies of insurance policies showing that all
insurance required by the Loan Documents and providing coverage and limits
satisfactory to Lender are in full force and effect.

      D. Fee and Closing Costs. Borrower shall have paid the Fee to Lender and
shall have paid all costs of the transaction described in this Agreement,
including, without limitation, UCC search and litigation search charges, the
attorneys' fees of Borrower, reasonable attorneys' fees and expenses of Lender,
Lender's reasonable Equipment inspection costs and fees, stamp taxes, mortgage
taxes, transfer fees, and escrow, filing and recording fees (including
preparation, filing and recording fees for UCC continuation statements).

      E. Evidence of Ownership and Authority. Borrower shall have provided
Lender with evidence reasonably satisfactory to Lender that the Equipment is
owned by Borrower free and clear of all liens and encumbrances, which evidence
shall include, without limitation, certified UCC financing statement searches
and, to the extent the Equipment Loan is purchase money financing, invoices
and/or bills of sale from the vendors of the Equipment. Borrower shall have
provided Lender with evidence reasonably satisfactory to Lender that the Closing
Documents have been duly authorized, executed and delivered on behalf of the
Borrower Parties.

      F. Closing Documents. At or prior to the Closing Date, Lender and/or
Borrower, as may be appropriate, shall have executed and delivered or shall have
caused to be executed and delivered to Lender, or as Lender may otherwise
direct, the Loan Documents and such other documents, payments, instruments and
certificates, as Lender may require in form acceptable to Lender.

      G. Other Closings. The Mortgage Loan and those loans contemplated by the
Affiliated Borrower Loan Documents shall have closed simultaneously with the
closing of the Equipment Loans.

      H. Inspection of Equipment. Lender shall have inspected and approved the
Equipment.

      I. Master Lease. Borrower and Lessee shall have executed and delivered the
Master Lease and a memorandum of master lease in recordable form for each of the
Fee Properties and the Equipment located on the Premises (the "Memoranda"). The
Master Lease and the Memoranda shall be in form and substance satisfactory to
Lender. Lessee shall have delivered to Borrower an executed Guaranty with
respect to the Master Lease.

      J. Leases; Landlord's Agreements. Borrower shall have delivered to Lender
copies of each of the Premises Leases in effect for a Premises, which Premises
Leases shall be in a form and substance acceptable to Lender. Each landlord
under a Premises Lease shall have executed and delivered an executed Landlord's
Agreement regarding Equipment, in a form approved by Lender, evidencing that the
Equipment is not subject to any Landlord's Lien, superior to the lien of this
Agreement, pursuant to such Premises Lease.

      Upon fulfillment or waiver of all of the above conditions, this
transaction shall close in accordance with the terms and conditions of this
Agreement.

      4. SECURITY INTEREST CREATED; OBLIGATIONS SECURED. A. To secure the
payment of the Obligations (as defined below), Borrower hereby grants to Lender
a security interest in the Equipment and the Master Lease.

      B. This Agreement secures the following indebtedness and obligations (the
"Obligations"): (1) payment of indebtedness evidenced by the Equipment Notes,
together with all extensions, renewals, amendments and modifications thereof;
and (2) payment of all other indebtedness and other sums, including interest at
the applicable rate, which may be owed under, and performance of all other
obligations and covenants contained in, any other Loan Document, Mortgage Loan
Document, Affiliated Borrower Loan Document or any Other Agreement, together
with any other instrument given to evidence or further secure the payment and
performance of any obligation secured hereby or thereby.

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      C. Borrower authorizes Lender to file financing statements with respect to
the security interest of Lender, continuation statements with respect thereto,
and any amendments to such financing statements which may be necessitated by
reason of any of the changes described in Section 6.C. Borrower agrees that,
notwithstanding any provision in the UCC to the contrary, Borrower shall not
file a termination statement of any financing statement filed by Lender in
connection with any security interest granted under this Agreement if Lender
reasonably objects to the filing of such termination statement.

      D. Lender at all times shall have a perfected security interest in the
Equipment that shall be prior to any other interests therein. Borrower shall do
all acts and things, shall execute and file all instruments (including security
agreements, UCC financing statements, continuation statements, etc.) reasonably
requested by Lender to establish, maintain and continue the perfected security
interest of Lender in the Equipment, and shall promptly on demand pay all costs
and expenses of (1) filing and recording, including the costs of any searches
deemed necessary by Lender from time to time to establish and determine the
validity and the continuing priority of the security interest of Lender, and (2)
all other claims and charges that in the reasonable opinion of Lender might
prejudice, imperil or otherwise affect the Equipment or security interest
therein of Lender if not promptly paid. Borrower agrees that a carbon,
photographic or other reproduction of a security agreement or financing
statement shall be sufficient as a financing statement. Lender is hereby
irrevocably appointed Borrower's attorney-in-fact to take any of the foregoing
actions requested of Borrower by Lender if Borrower should fail to take such
actions, which appointment shall be deemed coupled with an interest.

      5. REPRESENTATIONS AND WARRANTIES OF BORROWER. The representations and
warranties of Borrower contained in this Section are being made by Borrower as
of the Closing Date to induce Lender to enter into this Agreement and consummate
the transactions contemplated herein and shall survive the Closing. Borrower
represents and warrants to Lender as follows:

      A. Financial Information. Borrower has delivered to Lender certain
financial statements and other information concerning the Borrower Parties in
connection with the transaction described in this Agreement (collectively, the
"Financial Information"). The Financial Information is true, correct and
complete in all material respects; there have been no amendments to the
Financial Information since the date such Financial Information was prepared or
delivered to Lender. Borrower understands that Lender is relying upon the
Financial Information and Borrower represents that such reliance is reasonable.
All financial statements included in the Financial Information were prepared in
accordance with GAAP and fairly present as of the date of such financial
statements the financial condition of each individual or entity to which they
pertain. No change has occurred with respect to the financial condition of any
of the Borrower Parties and/or the Equipment as reflected in the Financial
Information which has not been disclosed in writing to Lender or has had that
could reasonably be expected to result in, a Material Adverse Effect.

      B. Organization and Authority. Each of the Borrower Parties (other than
individuals), as applicable, is duly organized or formed, validly existing and
in good standing under the laws of its state of incorporation or formation,
Borrower is qualified as a foreign corporation, partnership or limited liability
company, as applicable, to do business in the state(s) where the Equipment is
located, and each of the Borrower Parties is qualified as a foreign corporation,
partnership or limited liability company, as applicable, to do business in any
other jurisdiction where the failure to be qualified could reasonably be
expected to result in a Material Adverse Effect. All necessary action has been
taken to authorize the execution, delivery and performance by the Borrower
Parties of this Agreement and the other Loan Documents. The person(s) who have
executed this Agreement on behalf of Borrower are duly authorized so to do.
Borrower is not a "foreign corporation," "foreign partnership," "foreign trust,"
"foreign estate" or "foreign person" (as those terms are defined by the Internal
Revenue Code of 1986, as amended). Borrower's U.S. Federal Tax Identification
number, Organization Identification number and principal place of business are
correctly set forth on the signature page of this Agreement. None of the
Borrower Parties or Lessee, and no individual or entity owning directly or
indirectly any interest in any of the Borrower Parties, is an individual or
entity whose property or interests are subject to being "blocked" under any of
the Terrorism Laws or who is otherwise in violation of any of the Terrorism
Laws.

      C. Enforceability of Documents. Upon execution by the Borrower Parties,
this Agreement and the other Loan Documents to which Borrower is a party shall
constitute the legal, valid and binding obligations of the

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Borrower, enforceable against the Borrower in accordance with their respective
terms, except as such enforceability may be limited by applicable bankruptcy,
insolvency, liquidation, fraudulent conveyance, fraudulent transfer,
reorganization and other laws affecting the rights of creditors generally and
general principles of equity.

      D. Litigation. There are no suits, actions, proceedings or investigations
pending, or to its actual knowledge, threatened against or involving the
Borrower Parties, the Equipment or the Premises before any arbitrator or
Governmental Authority, except for such suits, actions, proceedings or
investigations which, individually or in the aggregate, have not had, and could
not reasonably be expected to result in, a Material Adverse Effect.

      E. Absence of Breaches or Defaults; Compliance with Laws. The Borrower
Parties are not, and the authorization, execution, delivery and performance of
this Agreement and the other Loan Documents will not result, in any breach or
default under any other document, instrument or agreement to which any of the
Borrower Parties is a party or by which any of the Borrower Parties, the
Premises, the Equipment or any of the property of any of the Borrower Parties is
subject or bound, except for such breaches or defaults which, individually or in
the aggregate, have not had, and could not reasonably be expected to result in,
a Material Adverse Effect. The authorization, execution, delivery and
performance of this Agreement and the other Loan Documents by the Borrower
Parties will not violate any applicable law, statute, regulation, rule,
ordinance, code, rule or order. The Equipment is not subject to any right of
first refusal, right of first offer or option to purchase or lease granted to a
third party other than the Lease. The Equipment is in compliance with all
applicable statutes, regulations, rules, ordinances, codes, licenses, permits,
orders and approvals of each Governmental Authority having jurisdiction over the
Equipment, and all policies or rules of common law, in each case, as amended,
and any judicial or administrative interpretation thereof, including any
judicial order, consent, decree or judgment applicable to any of the Borrower
Parties, except for such noncompliance which has not had, and could not
reasonably be expected to result in, a Material Adverse Effect.

      F. Licenses and Permits. All required licenses and permits, both
governmental and private, to use and operate the Equipment and to use and
operate the Premises as a Permitted Concept are in full force and effect, except
for such licenses and permits the failure of which to obtain has not had, and
could not reasonably be expected to result in, a Material Adverse Effect.

      G. Condition of Equipment. The Equipment is in good condition and repair
and well maintained, ordinary wear and tear excepted, and is fully operational.

      H. Title to Equipment; First Priority Lien. Borrower owns the Equipment,
free and clear of all liens, encumbrances, charges and security interests of any
nature whatsoever except Permitted Exceptions. Upon Closing (i) Borrower shall
lease the Equipment to Lessee pursuant to the Master Lease, and (ii) Lender
shall have a first priority lien upon and security interest in the Equipment
pursuant to this Agreement and the UCC-1 Financing Statements.

      I. Nonconsolidation. (1) Borrower maintains correct and complete books and
records of account separate from all other Persons. Where necessary or
appropriate, Borrower has disclosed the nature of the transaction contemplated
by the Loan Documents and Borrower's independent status to its creditors. The
Equipment, the Fee Properties, the Fee Equipment and related property represent
all of the assets owned or leased by Borrower as of the date hereof, and
Borrower has not commingled its assets and its liabilities with those of any
other Person.

      (2) Borrower maintains its own checking account or accounts with
commercial banking institutions separate from other Persons.

      (3) To the extent that Borrower shares the same employees with other
Persons, the salaries of and the expenses related to providing benefits to such
employees have been fairly and nonarbitrarily allocated among such Persons, with
the result that each such Person bears its fair share of the salary and benefit
costs associated with all such common employees.

SCS Finance I
Equipment Loan

                                       8
<PAGE>

      (4) To the extent that Borrower jointly contracts with other Persons to do
business with vendors or service providers or to share overhead expenses, the
costs incurred in so doing are, and at all times shall be, fairly and
nonarbitrarily allocated among such Persons, with the result that each such
Person bears its fair share of such costs. To the extent that Borrower contracts
or does business with vendors or service providers where the goods or services
provided are or shall be partially for the benefit of other Persons, the costs
incurred in so doing are fairly and nonarbitrarily allocated to or among such
Persons for whose benefit the goods or services are provided, with the result
that each such Person bears its fair share of such costs.

      (5) To the extent that Borrower or other Persons have offices in the same
location, there is a fair, appropriate and nonarbitrary allocation of overhead
among them, with the result that each such Person bears its fair share of such
expenses.

      (6) Borrower has not incurred any indebtedness, secured or unsecured,
direct or indirect, absolute or contingent, including, without limitation,
liability for the debts of any other Person (and Borrower has not held itself
out as being liable for the debts of any other Person), other than the Equipment
Loans, Mortgage Loan, trade and operational debt incurred in the ordinary course
of business with trade creditors and in amounts as are normal and reasonable
under the circumstances. Borrower is not a guarantor of any obligation.

      (7) Borrower is not presently a party to a pledge of its assets for the
benefit of other Persons. Borrower has not made any loans or advances to any
third party (including any Affiliate or constituent party of Borrower).

      (8) Borrower has conducted its affairs strictly in accordance with its
organizational documents including Borrower's corporate managing member's
organizational documents and has observed all necessary, appropriate and
customary formalities.

      (9) Borrower does not hold itself out to the public or to any of its
individual creditors as being a unified entity with assets and liabilities in
common with any other Person.

      (10) Borrower (a) is solvent, (b) is able to pay its obligations as they
become due and (c) is not and shall not be engaged in any business or
transaction for which its remaining capital is or may be unreasonably small.

      (11) Borrower has no actual intent to hinder, delay or defraud creditors
in connection with any of the transactions contemplated herein or intent to
incur (or belief that it is incurring) debts beyond its ability to pay the same
as they mature.

      (12) Borrower has not, as to itself or as to other Persons, (a) commenced
any case, proceeding or other action under any applicable law of any
jurisdiction, domestic or foreign, relating to bankruptcy, insolvency,
reorganization or relief of debtors, seeking to have an order for relief entered
with respect to Borrower or other Persons or seeking reorganization,
arrangement, adjustment, winding-up, liquidation, dissolution, composition or
other relief with respect to Borrower or its debts or other Persons or their
debts or (b) sought appointment of a receiver, trustee, custodian or other
similar official for Borrower or for all or any substantial part of its or other
Person's assets or made a general assignment for the benefit of Borrower's
creditors.

      6. COVENANTS. Borrower covenants to Lender from and after the Closing Date
and until all of the Obligations are satisfied in full, as follows:

      A. Payment of the Equipment Notes. Borrower shall punctually pay, or cause
to be paid, the principal, interest and all other sums to become due with
respect to the Equipment Notes and the other Loan Documents in accordance with
the Equipment Notes and the other Loan Documents.

      B. Title. Borrower shall own the Equipment (whether acquired prior to or
after the date hereof), free and clear of all liens, encumbrances, charges and
other exceptions to title except those in favor of Lender and Lessee's rights

SCS Finance I
Equipment Loan

                                       9
<PAGE>

pursuant to the Master Lease and other Permitted Exceptions. Lender shall have a
valid first lien upon and security interest in the Equipment pursuant to this
Agreement and the UCC-1 Financing Statements.

      C. Organization and Status; Preservation of Existence. Each of the
Borrower Parties (other than individuals), as applicable, shall be validly
existing and in good standing under the laws of its state of incorporation or
formation and qualified as a foreign corporation, partnership or limited
liability company to do business in the state(s) where the Equipment is located
and any other jurisdiction where the failure to be qualified could reasonably be
expected to result in a Material Adverse Effect. Borrower shall preserve its
current form of organization and shall not change its legal name, its state of
formation, nor, in one transaction or a series of related transactions, merge
with or into, or consolidate with, any other entity without providing, in each
case, Lender with 30 days' prior written notice and obtaining Lender's prior
written consent (to the extent such consent is required under Section 7 of this
Agreement).

      D. Licenses and Permits; Compliance With Laws. All required licenses and
permits, both governmental and private, to use and operate the Equipment and to
use and operate the Premises as a Permitted Concept shall be maintained in full
force and effect.

      E. Financial Statements. Within 45 days after the end of the first three
fiscal quarters and within 120 days after the end of each fiscal year of
Borrower, Borrower shall deliver to Lender (a) complete financial statements of
the Borrower Parties including a balance sheet, profit and loss statement,
statement of cash flows and all other related schedules for the fiscal period
then ended; (b) income statements for the business at each of the Premises; and
(c) such other financial information as Lender may reasonably request in order
to establish compliance with the financial covenants in the Loan Documents. All
such financial statements and information shall be prepared in accordance with
GAAP from period to period, and shall be certified to be accurate and complete
by Borrower (or the Treasurer or other appropriate officer of Borrower).
Borrower understands that Lender is relying upon such financial statements and
Borrower represents that such reliance is reasonable. The financial statements
delivered to Lender need not be audited, but Borrower shall deliver to Lender
copies of any audited financial statements of Borrower which may be prepared, as
soon as they are available. Borrower shall also cause to be delivered to Lender
copies of any financial statements required to be delivered to Borrower by
Lessee pursuant to the Master Lease.

      F. Inspections. Borrower shall, during normal business hours on two
Business Days' prior telephonic notice (or at any time in the event of an
emergency or if an Event of Default has occurred and is continuing), (1) provide
Lender and Lender's officers, employees, agents and advisors with access to the
Equipment and all files, correspondence and documents relating to the Equipment
(including, without limitation, any of the foregoing information stored in any
computer files), and (2) allow such persons to make such inspections, tests,
copies, and verifications as Lender reasonably requests.

      G. Removal of Equipment. Except for purposes of replacement with like
property of equal or greater value and repair or refurbishment in the ordinary
course of business, Borrower shall not remove or allow to be removed from the
Premises the Equipment, or any part thereof, without the prior written consent
of Lender other than de minimus amounts of equipment not required or necessary
to the conduct of the business of Lessee at the Premises. Borrower shall
promptly give written notice to Lender of any substantial change in the
character of the business conducted on the Premises and of the cessation of all
or any part thereof and of any loss or damage by fire or other casualty to any
substantial part of the Equipment.

      H. No Additional Encumbrances. Borrower shall remain the owner of the
Equipment (whether acquired prior to or after the date hereof) free from any
lien security interest or encumbrance except those in favor of Lender and those
arising under the Master Lease, and Borrower shall not execute or permit the
filing of any financing statement thereon other than other than the UCC-1
Financing Statements (and any financing statement contemplated by the Mortgage
Loan Agreement). Borrower shall defend the Equipment against all claims and
demands of all persons other than Lender. Borrower shall not permit any action
to be taken which would adversely affect the value of the Equipment or which
would encumber, cloud or adversely effect in any manner Borrower's title or
interest therein other than as contemplated by the Loan Documents.

SCS Finance I
Equipment Loan

                                       10
<PAGE>

      I. Maintenance and Repair. Borrower shall at all times keep and maintain
the Equipment in good order, repair and condition, ordinary wear and tear
excepted, and will promptly replace any part thereof that from time to time may
become obsolete, badly worn or in a state of disrepair and shall be necessary to
the operation of the Premises or, if supplies, be consumed in the normal course
of Borrower's or Lessee's business operations. Lender shall have a lien on and
security interest in all replacements and all replacements of Equipment shall be
free of any other lien, security interest or encumbrance of any nature,
including any purchase money lien or security interest except Permitted
Exceptions. Borrower shall not transfer or permit any transfer of any part of
the Equipment to be made or any interest therein to be created by way of a sale
(except as permitted below), by way of a grant of a security interest, or by way
of a levy or other judicial process. Borrower may sell or dispose of only that
part of the Equipment that Borrower will replace, and the proceeds from such
sale and disposition must be invested in replacement property of like kind and
of equal or greater value.

      J. Notices. Borrower shall promptly notify Lender of any levy, distraint
or other seizure by legal process or otherwise of any part of the Equipment and
of any threatened or filed claims or proceedings that might in any way affect or
impair any of the Equipment.

      K. Insurance. Borrower shall obtain and maintain (or cause Lessee to
obtain and maintain) in force insurance policies, naming Lender as sole loss
payee and as additional insured, covering losses or damage to the Equipment due
to fire (with extended coverage), theft, physical damage and such other risks as
Lender may from time to time reasonably require, which insurance shall insure
the Equipment for its full replacement cost. Lender is hereby irrevocably
appointed Borrower's attorney-in-fact to endorse any check or draft that may be
payable to Borrower, alone or jointly with other payees, so that Lender may
collect the proceeds payable for any loss under such insurance, which
appointment shall be deemed coupled with an interest. The proceeds of such
insurance, less any costs and expenses incurred or paid by Lender in the
collection thereof, shall be applied, at the option of Lender, either toward the
cost of repair or replacement of the items damaged or destroyed or on account of
any sums secured by this Agreement, whether or not then due or payable.

      L. Actions by Lender. (1) Borrower agrees that Lender may, at its option,
and without any obligation to do so, pay, perform, and discharge any and all
amounts, costs, expenses and liabilities that are the responsibility of Borrower
under the Loan Documents if Borrower fails to timely pay, perform or discharge
the same, and all amounts expended by Lender in so doing or in respect of or in
connection with the Equipment shall become part of the obligations secured by
the Loan Documents and shall be immediately due and payable by Borrower to
Lender upon demand therefor and shall bear interest at the Default Rate.

      (2) Borrower agrees that the Loan Documents shall remain in full effect,
without waiver or surrender of any of Lender's rights thereunder,
notwithstanding the occurrence of any one or more of the following: (a)
extension of the time of payment of the whole or any part of any Equipment Note;
(b) any change in the terms and conditions of one or more Equipment Notes; (c)
substitution of any other evidence of indebtedness for one or more Equipment
Notes; (d) acceptance by Lender of any collateral or security of any kind for
the payment of one or more Equipment Notes; (e) surrender, release, exchange or
alteration of any Equipment, collateral or other security, either in whole or in
part; or (f) release, settlement, discharge, compromise, change or amendment, in
whole or in part, of any claim of Lender against Borrower or of any claim of
Lender against any guarantor or other party secondarily or additionally liable
for the payment of an Equipment Note.

      M. Lost Note. Borrower shall, if an Equipment Note is mutilated,
destroyed, lost or stolen (a "Lost Note"), promptly deliver to Lender, upon
receipt from Lender of an affidavit and indemnity in a form reasonably
acceptable to Lender and Borrower stipulating that such Equipment Note has been
mutilated, destroyed, lost or stolen, in substitution therefor, a new promissory
note containing the same terms and conditions as the Lost Note with a notation
thereon of the unpaid principal and accrued and unpaid interest. Borrower shall
provide fifteen (15) days' prior notice to Lender before making any payments to
third parties in connection with a Lost Note.

      N. Affiliate Transactions. Unless otherwise approved by Lender, all
transactions between Borrower and any of its Affiliates shall be on terms
substantially as advantageous to Borrower as those which could be obtained by
Borrower in a comparable arm's length transaction with a non-Affiliate of
Borrower.

SCS Finance I
Equipment Loan

                                       11
<PAGE>

      O. Nonconsolidation. (1) Borrower shall at all times maintain correct and
complete books and records of account separate from all other Persons. Where
necessary or appropriate, Borrower shall disclose the nature of the transaction
contemplated by the Loan Documents and Borrower's independent status to its
creditors. Borrower shall not own or lease any assets other than the Fee
Properties, Fee Equipment, the Equipment and related property or its rights
under the Master Lease and any insurance policies, nor engage in any business
other than owning and leasing the Fee Properties, Fee Equipment, Equipment and
related property, including financing the Fee Properties, Fee Equipment and
Equipment with Lender. Borrower shall not commingle its assets and its
liabilities with those of any other Person.

      (2) Borrower shall maintain its own checking account or accounts with
commercial banking institutions separate from other Persons.

      (3) To the extent that Borrower shares the same employees with other
Persons, the salaries of and the expenses related to providing benefits to such
employees, at all times shall be, fairly and nonarbitrarily allocated among such
Persons, with the result that each such Person shall bear its fair share of the
salary and benefit costs associated with all such common employees.

      (4) To the extent that Borrower jointly contracts with other Persons to do
business with vendors or service providers or to share overhead expenses, the
costs incurred in so doing at all times shall be, fairly and nonarbitrarily
allocated among such Persons, with the result that each such Person shall bear
its fair share of such costs. To the extent that Borrower contracts or does
business with vendors or service providers where the goods or services provided
are or shall be partially for the benefit of other Persons, the costs incurred
in so doing at all times shall be, fairly and nonarbitrarily allocated to or
among such Persons for whose benefit the goods or services are provided, with
the result that each such Person shall bear its fair share of such costs. All
transactions between Borrower and other Persons shall be only on an arm's-length
basis.

      (5) To the extent that Borrower or other Persons have offices in the same
location, there shall be a fair, appropriate and nonarbitrary allocation of
overhead among them, with the result that each such Person shall bear its fair
share of such expenses.

      (6) Borrower shall not incur any indebtedness, secured or unsecured,
direct or indirect, absolute or contingent (including guaranteeing any
obligation or assuming liability for the debts of any other Person and Borrower
will not hold itself out as being liable for the debts of any other Person),
other than the Equipment Loans, the Mortgage Loan, trade and operational debt
incurred in the ordinary course of business with trade creditors and in amounts
as are normal and reasonable under the circumstances. No indebtedness other than
the Loans may be secured (subordinate or pari passu) by the Premises or any
portion thereof.

      (7) Borrower shall not enter into any contract or agreement with any
Affiliate of Borrower, any constituent party of Borrower or any Affiliate of any
constituent party of Borrower except upon terms and conditions that are
intrinsically fair and substantially similar to those that would be available on
an arms-length basis with third parties other than any such party.

      (8) Except as contemplated by the Loan Documents or the Mortgage Loan
Documents, Borrower shall not pledge, grant any security interest in,
hypothecate or otherwise encumber its assets for the benefit of any other
Persons.

      (9) Borrower shall issue separate financial statements prepared not less
frequently than annually and prepared according to GAAP.

      (10) Borrower shall maintain adequate capital for the normal obligations
reasonably foreseeable in a business of its size and character in light of its
contemplated business operations.

      (11) Borrower shall conduct its affairs strictly in accordance with its
organizational documents, including Borrower's corporate general partner's
organizational documents and shall observe all necessary,

SCS Finance I
Equipment Loan

                                       12
<PAGE>

appropriate and customary formalities. The books, records and accounts of
Borrower shall at all times be maintained in a manner permitting the assets and
liabilities of Borrower to be easily separated and readily ascertained from
those of any other Person and Borrower shall file its own tax returns if it is
required to file tax returns.

      (12) Borrower shall not hold itself out to the public or to any of its
individual creditors as being a unified entity with assets and liabilities in
common with any other Person. Borrower shall maintain and utilize separate
stationery, invoices and checks.

      (13) Borrower shall not make any loans or advances to any third party
(including any Affiliate of Borrower or constituent party of Borrower).

      (14) Borrower shall not, as to itself or as to other Persons, (a) commence
any case, proceeding or other action under any applicable law of any
jurisdiction, domestic or foreign, relating to bankruptcy, insolvency,
reorganization or relief of debtors, seeking to have an order for relief entered
with respect to Borrower or other Persons or seeking reorganization,
arrangement, adjustment, winding-up, liquidation, dissolution, composition or
other relief with respect to Borrower or its debts or other Persons or their
debts or (b) seek appointment of a receiver, trustee, custodian or other similar
official for Borrower or for all or any substantial part of its or other
Person's assets or make a general assignment for the benefit of Borrower's
creditors. Borrower shall not take any action in furtherance of, or indicating
its consents to, approval of or acquiescence in, any of the acts set forth
above. Borrower shall not be unable to, or admit in writing its inability to,
pay its debts.

      P. Lease Modifications. Neither the Master Lease nor the Guaranty shall be
amended, modified, terminated, cancelled or surrendered.

      Q. Compliance Certificates. Within 60 days after the end of each fiscal
year of Borrower, Borrower shall deliver a compliance certificate to Lender in a
form to be provided by Lender in order to establish that Borrower is in
compliance in all material respects with all of its obligations, duties and
covenants under the Loan Documents.

      7. PROHIBITION ON CHANGE OF CONTROL, PLEDGE AND PROHIBITED TRANSACTION.
Without limiting the terms and conditions of Section 6.G and 6.I, Borrower
agrees that, from and after the Closing Date and until all of the Obligations
are satisfied in full, without the prior written consent of Lender: (1) no
Change of Control shall occur; and (2) no Prohibited Transaction (as defined
below) shall occur. In addition, no interest in any of the Borrower Parties, or
in any individual or person owning directly or indirectly any interest in any of
the Borrower Parties, shall be knowingly transferred, assigned or conveyed to
any individual or person whose property or interests are subject to being
blocked under any of the Terrorism Laws and/or who is in violation of any of the
Terrorism Laws. Lender's consent to a Change of Control and/or Prohibited
Transaction shall be subject to the satisfaction of such conditions as Lender
shall determine in its sole discretion, including, without limitation, (i) the
execution and delivery of such modifications to the terms of the Loan Documents
as Lender shall reasonably request, (ii) the proposed Change of Control and/or
Pledge having been approved by each of the rating agencies which have issued
ratings in connection with any Securitization of the Loans as well as any other
rating agency selected by Lender, and (iii) the proposed successor to Borrower
in any transaction resulting in a Change of Control having agreed to comply with
all of the terms and conditions of the Loan Documents (including any
modifications requested by Lender pursuant to clause (i) above). In addition,
any such consent shall be conditioned upon payment by Borrower to Lender of (x)
a fee equal to one percent (1%) of the then outstanding aggregate principal
balance of the Equipment Notes and (y) all out-of-pocket costs and expenses
incurred by Lender in connection with such consent, including, without
limitation, reasonable attorneys' fees. Lender shall not be required to
demonstrate any actual impairment of its security or any increased risk of
default hereunder in order to declare the Obligations immediately due and
payable upon a Change of Control or Prohibited Transaction in violation of this
Section. The provisions of this Section shall apply to every Change of Control
or Prohibited Transaction regardless of whether voluntary or not, or whether or
not Lender has consented to any previous Change of Control, Pledge or Prohibited
Transaction. For purposes of this Section 7, a "Prohibited Transaction" shall
mean any sale, conveyance, mortgage, grant, bargain, encumbrance, pledge,
assignment or other transfer of all or any of the Equipment or any part thereof,
other than

SCS Finance I
Equipment Loan

                                       13
<PAGE>

replacements as contemplated by Section 6.I. A sale, conveyance, mortgage,
grant, bargain, encumbrance, pledge, assignment, or transfer within the meaning
of this Section shall be deemed to include, but not be limited to, (a) an
installment sale agreement wherein Borrower agrees to sell the Equipment or any
part thereof for a price to be paid in installments; and (b) an agreement by
Borrower, other than the Master Lease, leasing all or any part of the Equipment.

      8. TRANSACTION CHARACTERIZATION. It is the intent of the parties hereto
that this Agreement and the other Loan Documents are a contract to extend a
financial accommodation (as such term is used in the Code) for the benefit of
Borrower and that the Loan Documents evidence one unitary, unseverable
transaction pertaining to the Equipment. It is the intent of the parties hereto
that the business relationship created by the Loan Documents is solely that of
creditor and debtor and has been entered into by both parties in reliance upon
the economic and legal bargains contained in the Loan Documents. None of the
agreements contained in the Loan Documents is intended, nor shall the same be
deemed or construed, to create a partnership (either de jure or de facto)
between Borrower and Lender, to make them joint venturers, to make Borrower an
agent, legal representative, partner, subsidiary or employee of Lender, nor to
make Lender in any way responsible for the debts, obligations or losses of
Borrower.

      9. DEFAULT AND REMEDIES. A. Each of the following shall be deemed an event
of default by Borrower (each, an "Event of Default"):

      (1) If any representation or warranty of any of the Borrower Parties set
forth in any of the Loan Documents is false in any material respect or if any of
the Borrower Parties renders any statement or account which is false in any
material respect.

      (2) If any principal, interest or other monetary sum due under any
Equipment Note or any other Loan Document is not paid within five days after the
date when due; provided, however, notwithstanding the occurrence of such an
Event of Default, Lender shall not be entitled to exercise its rights and
remedies set forth below unless and until Lender shall have given Borrower
notice thereof and a period of five days from the delivery of such notice shall
have elapsed without such Event of Default being cured.

      (3) If Borrower fails to observe or perform any of the other covenants,
conditions, or obligations of this Agreement; provided, however, if any such
failure does not involve the payment of any monetary sum, is not willful or
intentional, does not place any rights or interest in collateral of Lender in
immediate jeopardy, and is within the reasonable power of Borrower to cure
within the period provided below after receipt of notice thereof, then such
failure shall not constitute an Event of Default hereunder, unless otherwise
expressly provided herein, unless and until Lender shall have given Borrower
notice thereof and a period of 30 days shall have elapsed, during which period
Borrower may correct or cure such failure, upon failure of which correction or
cure an Event of Default shall be deemed to have occurred hereunder without
further notice or demand of any kind being required. If such failure cannot
reasonably be cured within such 30-day period, and Borrower is diligently
pursuing a cure of such failure, then Borrower shall have a reasonable period to
cure such failure beyond such 30-day period, which shall not exceed 90 days
after receiving notice of the failure from Lender. If Borrower shall fail to
correct or cure such failure within such 90-day period, an Event of Default
shall be deemed to have occurred hereunder without further notice or demand of
any kind being required.

      (4) If any of the Borrower Parties becomes insolvent within the meaning of
the Code, files or notifies Lender that it intends to file a petition under the
Code, initiates a proceeding under any similar law or statute relating to
bankruptcy, insolvency, reorganization, winding up or adjustment of debts
(collectively, an "Action"), becomes the subject of either a petition under the
Code or an Action (and if such petition or Action is involuntary, such petition
or Action is not dismissed within 60 consecutive days), or is not generally
paying its debts as the same become due.

      (5) If an "Event of Default" has occurred and is continuing under any
other Loan Document, any Mortgage Loan Document, the Master Lease, any Related
Lease, any Affiliated Borrower Loan Document or there is a breach of default,
after the passage of all applicable notice and cure or grace periods, under any
of the Other Agreements.

      (6) If a final, nonappealable judgment is rendered by a court against any
of the Borrower Parties which (i) has a Material Adverse Effect, or (ii) is in
an amount greater than $350,000.00 as to Borrower, or

SCS Finance I
Equipment Loan

                                       14
<PAGE>

$700,000.00 as to any guarantor and not covered by insurance, and, in either
case, is not discharged or provision made for such discharge within 60 days from
the date of entry of such judgment.

      (7) If the Guaranty shall cease to be in full force and effect or shall be
declared to be null, void, invalid or unenforceable by the party signing or
issuing it.

      B. Upon the occurrence and during the continuance of an Event of Default,
subject to the limitations set forth in Section 9.A, Lender shall have all
rights and remedies of a secured party in, to and against the Equipment granted
by the UCC and otherwise available at law or in equity, including, without
limitation: (1) the right to declare any or all payments due under the Equipment
Notes, the other Loan Documents, the Other Agreements and all other documents
evidencing the Obligations immediately due and payable without any presentment,
demand, protest or notice of any kind, except as otherwise expressly provided
herein, and Borrower hereby waives notice of intent to accelerate the
Obligations and notice of acceleration; (2) the right to recover all reasonable
fees and expenses (including reasonable attorneys' fees) in connection with the
collection or enforcement of the Obligations, which fees and expenses shall
constitute additional Obligations of Borrower hereunder; (3) the right to act
as, and Borrower hereby constitutes and appoints Lender, Borrower's true, lawful
and irrevocable attorney-in-fact (which appointment shall be deemed coupled with
an interest) to demand, receive and enforce payments and to give receipts,
releases, satisfaction for and to sue for moneys payable to Borrower under or
with respect to any of the Equipment, and actions taken pursuant to this
appointment may be taken either in the name of Borrower or in the name of Lender
with the same force and effect as if this appointment had not been made; (4) the
right to take immediate and exclusive possession of the Equipment, or any part
thereof, and for that purpose, with or without judicial process and notice to
the Borrower, enter (if this can be done without breach of the peace) upon any
premises on which the Equipment or any part thereof may be situated and remove
the same therefrom (provided that if the Equipment is affixed to real estate,
such removal shall be subject to the conditions stated in the UCC); (5) the
right to hold, maintain, preserve and prepare the Equipment for sale, until
disposed of; (6) the right to render the Equipment unusable and dispose of the
Equipment; (7) the right to require Borrower to assemble and package the
Equipment and make it available to Lender for its possession at a place to be
designated by Lender which is reasonably convenient to Lender; (8) the right to
sell, lease, hold or otherwise dispose of all or any part of the Equipment; and
(9) the right to sue for specific performance of any Obligations or to recover
damages for breach thereof.

      Lender shall be entitled to receive on demand, as additional Obligations
hereunder, interest accruing at the Default Rate on all amounts not paid when
due under the Equipment Notes or this Agreement until the date of actual
payment. Lender shall have no duty to mitigate any loss to Borrower occasioned
by enforcement of any remedy hereunder and shall have no duty of any kind to any
subordinated creditor of Borrower. Neither the acceptance of this Agreement nor
its enforcement shall prejudice or in any manner affect Lender's right to
realize upon or enforce any other security now or hereafter held by Lender, it
being agreed that Lender shall be entitled to enforce this Agreement and any
other security now or hereafter held by Lender in such order and manner as it
may in its absolute discretion determine. No remedy herein conferred upon or
reserved to Lender is intended to be exclusive of any other remedy given
hereunder or now or hereafter existing at law or in equity or by statute. Every
power or remedy given by any of the Loan Documents to Lender, or to which Lender
may be otherwise entitled, may be exercised, concurrently or independently, from
time to time and as often as may be deemed expedient by Lender.

      10. APPLICATION OF PROCEEDS; POSSESSION. Should Lender exercise the rights
and remedies specified in Section 9 hereof, any proceeds received thereby shall
be first applied to pay the costs and expenses, including reasonable attorneys'
fees, incurred by Lender as a result of the Event of Default. The remainder of
any proceeds, net of Lender's costs and expenses, shall be applied to the
satisfaction of the Obligations and any excess paid over to Borrower. Until an
Event of Default shall occur, Borrower may retain possession of the Equipment
and may use it in any lawful manner not inconsistent with this Agreement, with
the provisions of any policies of insurance thereon or the other Loan Documents.

      11. INDEMNITY. A. Borrower shall, at its sole cost and expense, protect,
defend, indemnify, release and hold harmless each of the Indemnified Parties
for, from and against any and all claims, suits, liabilities (including, without
limitation, strict liabilities), actions, proceedings, obligations, debts,
damages, losses, costs,

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expenses, diminutions in value, fines, penalties, charges, fees, expenses,
judgments, awards, amounts paid in settlement and damages of whatever kind or
nature (including, without limitation, reasonable attorneys' fees, court costs
and other costs of defense) (collectively, "Losses") (excluding Losses suffered
by an Indemnified Party directly arising out of such Indemnified Party's gross
negligence or willful misconduct; provided, however, that the term "gross
negligence" shall not include gross negligence imputed as a matter of law to any
of the Indemnified Parties solely by reason of Borrower's interest in the
Equipment or Borrower's failure to act in respect of matters which are or were
the obligation of Borrower under the Loan Documents), engineers' fees,
governmental inspection fees, and costs of investigation imposed upon or
incurred by or asserted against any Indemnified Parties, and directly or
indirectly arising out of or in any way relating to any one or more of the
following: (a) any administrative processes or proceedings or judicial
proceedings in any way connected with any matter addressed in this Agreement;
(b) any past, present or threatened injury to, or destruction of, the Equipment,
including but not limited to costs to investigate and assess such injury or
destruction; (c) any personal injury, wrongful death, or property damage arising
under any statutory or common law or tort law theory, including but not limited
to damages assessed for the maintenance of a private or public nuisance or for
the conducting of an abnormally dangerous activity on or near the Equipment; or
(d) any misrepresentation or inaccuracy in any representation or warranty or
material breach or failure to perform any covenants or other obligations
pursuant to this Agreement. The term "Indemnified Parties" means Lender and any
person or entity who is or has been involved in the origination of the Equipment
Loans, any person or entity who is or has been involved in the servicing of the
Equipment Loans, persons and entities who may hold or acquire or has held a full
or partial interest in the Equipment Loans (including, but not limited to,
investors or prospective investors in any Securitization, Participation or
Transfer, as well as custodians, trustees and other fiduciaries who hold or have
held a full or partial interest in the Equipment Loans for the benefit of third
parties), as well as the respective directors, officers, shareholders, partners,
members, employees, lenders, agents, servants, representatives, contractors,
subcontractors, affiliates, subsidiaries, participants, and successors and
assigns of any and all of the foregoing (including, but not limited to, any
other person or entity who holds or acquires or will have held a participation
or other full or partial interest in an Equipment Loan or the Equipment, whether
during the term of such Equipment Loan or as a part of or following a
foreclosure of the Equipment Loan and including, but not limited to, any
successors by merger, consolidation or acquisition of all or a substantial
portion of Lender's assets and business).

      B. If an Indemnified Party desires to be indemnified by Borrower with
respect to any Loss pursuant to this Section 11, that Indemnified Party shall
notify Borrower promptly upon receiving notice of or otherwise learning of the
Loss for which indemnification will be sought. The failure or delay of an
Indemnified Party to provide notice required by the foregoing sentence shall not
release Borrower from its obligations under this Section 11; provided, however,
that if an Indemnified Party fails to provide or delays providing such notice to
Borrower and such failure or delay shall prejudice in a material adverse manner
the ability of Borrower to defend against the claim, cause of action or other
proceeding that may result in the Losses for which the Indemnified Party is
seeking indemnity, Borrower shall not have any obligation to indemnify the
Indemnified Party for such Losses to the extent the delay causes Borrower to be
unable to effectively provide a defense of such claims relating to the Losses.
If an Indemnified Party notifies Borrower of any claim of proceeding included
in, or any investigation or allegation concerning Losses for which Borrower is
responsible pursuant to this Section 11, Borrower shall assume on behalf of the
Indemnified Party and conduct with due diligence and in good faith the
investigation and defense thereof and the response thereto with counsel selected
by Borrower and approved by the Indemnified Party, in its sole discretion.
However, if any such claim, proceeding investigation or allegation involves both
Borrower and the Indemnified Party and the Indemnified Party shall have
reasonably concluded that there are legal defenses available to it which are
inconsistent with those available to Borrower and that as a result the counsel
selected to prosecute such defense would have an ethical conflict of interest in
its representation of the Indemnified Party, then the Indemnified Party shall
have the right to select separate counsel to participate in the investigation
and defense of and response to such claim, proceeding, investigation or
allegation on its own behalf, and Borrower shall pay or reimburse the
Indemnified Party for all attorney's fees incurred by the Indemnified Party
because of the selection of such separate counsel. If Borrower fails to assume
the defense of the Indemnified Party promptly following notification from the
Indemnified Party (and in any event fifteen days after Borrower is notified of
the applicable claim, proceeding, investigation or allegation), or at any time
an Indemnified Party determines in its reasonable discretion that immediate
action is necessary to preserve the rights of the Indemnified Party, then the
Indemnified Party may take actions as reasonably necessary to contest or defend
the claim, proceeding, investigation or allegation at Borrower's expense using
counsel selected by the Indemnified Party; provided, that if the Indemnified
Party takes such

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immediate action, Borrower may thereafter assume control of any remaining
aspects of the defense of such claim, cause of action or proceeding,
investigation or allegation as otherwise provided herein. Moreover, if such
failure by Borrower continues for thirty days or more after Borrower is notified
of any such claim, proceeding, investigation or allegation then the Indemnified
Party may elect not to contest or continue contesting such claim, proceeding,
investigation or allegation and instead, in accordance with the advice of
counsel, settle (or pay in full) any or all claims against the Indemnified Party
related thereto without Borrower's consent and without releasing Borrower from
any obligations to the Indemnified Party under this Section 11. Except as
expressly set forth in the preceding sentence, no Indemnified Party or Borrower
shall settle, compromise, permit a default judgment to be entered or agree to
the entry of a judgment in or in connection with any claim, cause of action,
proceeding, investigation or allegation which could result in Losses without the
prior written consent of Borrower and Indemnified Party.

      12. SUBSTITUTION. Borrower shall have the right to substitute the
Equipment securing the Equipment Notes at up to twenty percent (20%) of the
Premises with Substitute Equipment located at one or more Substitute Premises,
subject to the fulfillment of the following conditions:

            (i) The proposed Substitute Equipment must:

                  (1) be suitable for use in connection with a Permitted
            Concept, and in good condition and repair, ordinary wear and tear
            excepted;

                  (2) be owned by and vested in Borrower, free and clear of all
            liens and encumbrances; and

                  (3) have a replacement cost no less than the replacement cost
            of the Equipment to be replaced at the subject Premises on the
            replacement date, as determined by an appraisal conducted in a
            manner agreed to by Borrower and Lender.

            (ii) Lender shall have inspected and approved the Substitute
      Equipment. Borrower shall have reimbursed Lender for all of its costs and
      expenses incurred with respect to such proposed substitution, including,
      without limitation, Lender's reasonable third-party and/or in-house
      inspectors' costs and expenses with respect to the proposed Substitute
      Equipment, UCC search and litigation search charges, filing and recording
      charges and expenses, documentary stamps tax and the attorneys' fees and
      expenses of counsel to Borrower and Lender.

            (iii) Borrower shall have provided Lender with evidence reasonably
      satisfactory to Lender that the proposed Substitute Equipment is owned by
      Borrower free and clear of all liens and encumbrances, except Permitted
      Exceptions, which evidence shall include, without limitation, certified
      UCC financing statement searches;

            (iv) Borrower shall deliver, or cause to be delivered, such legal
      opinions as Lender may reasonably require with respect to the proposed
      substitution, all in a form and substance which would be satisfactory to a
      prudent institutional mortgage loan lender and its counsel. If the
      Equipment Loan relating to the Equipment to be replaced is part of a
      Securitization, such opinions shall include, without limitation, an
      opinion of counsel to the rating agencies which have issued ratings in
      connection with such Securitization that the substitution does not
      constitute a "significant modification" of such Equipment Loan under
      Section 1001 of the Internal Revenue Code or otherwise cause a tax to be
      imposed on a "prohibited transaction" by any REMIC Trust;

            (v) no Event of Default shall have occurred and be continuing under
      any of the Loan Documents which will not be cured by such substitution;

            (vi) Borrower and Lessee shall have executed such documents as are
      comparable to the security documents executed and delivered at Closing, as
      applicable (but with such revisions as may be reasonably required by
      Lender to address matters unique to the Substitute Equipment) or
      amendments to

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                                       17
<PAGE>

      such documents, including, without limitation, an amendment to this
      Agreement, an amendment to the Master Lease and UCC-1 Financing Statements
      (the "Substitute Documents"), to provide Lender with a first priority lien
      on and security interest in the proposed Substitute Equipment, subject
      only to the Permitted Exceptions for the Substitute Equipment, and all
      other rights, remedies and benefits with respect to the proposed
      Substitute Equipment which Lender holds in the Equipment to be replaced,
      all of which documents shall be in form and substance reasonably
      satisfactory to Lender;

            (vii)   Borrower shall have provided Lender with evidence reasonably
      satisfactory to Lender that the Substitute Documents have been duly
      authorized, executed and delivered on behalf of the Borrower Parties;

            (viii)  the representations and warranties set forth in the
      Substitute Documents and Section 5 of this Agreement applicable to the
      proposed Substitute Premises and Substitute Equipment shall be true and
      correct in all material respects as of the date of substitution, and
      Borrower shall have delivered to Lender an officer's certificate to that
      effect; and

            (ix)    Borrower shall have delivered to Lender certificates of
insurance showing that all insurance required by the Substitute Documents is in
full force and effect.

      Upon satisfaction of the foregoing conditions with respect to the release
      of the Equipment to be replaced:

            (a)     the proposed Substitute Equipment shall be deemed
      substituted for the replaced Equipment;

            (b)     the Equipment Loan Amount for the Substitute Equipment shall
      be the same as for the replaced Equipment;

            (c)     the Substitute Equipment shall be included within the
      definition of "Equipment" as used in this Agreement and shall secure the
      same Obligations as were secured by the replaced Equipment;

            (d)     the Substitute Documents shall be dated as of the date of
      the substitution; and

            (e)     Lender will amend or release, or cause to be amended or
      released, the lien of this Agreement, the UCC-1 Financing Statements and
      any other Loan Documents or Mortgage Loan Documents encumbering the
      replaced Equipment to release the replaced Equipment from the lien of the
      Loan Documents.

      13.   MISCELLANEOUS PROVISIONS.

      A.    Notices. All notices, consents, approvals or other instruments
required or permitted to be given by either party pursuant to this Agreement or
the other Loan Documents shall be in writing and given by (i) hand delivery,
(ii) facsimile, (iii) express overnight delivery service or (iv) certified or
registered mail, return receipt requested, and shall be deemed to have been
delivered upon (a) receipt, if hand delivered, (b) transmission, if delivered by
facsimile, with receipt confirmed, (c) the next Business Day, if delivered by
express overnight delivery service, or (d) the third Business Day following the
day of deposit of such notice with the United States Postal Service, if sent by
certified or registered mail, return receipt requested. Notices shall be
provided to the parties and addresses (or facsimile numbers, as applicable)
specified below:

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<PAGE>

                If to Borrower:        SCS Finance I, L.P.
                                       c/o SCS Finance, Inc.
                                       7616 LBJ Freeway, Suite 300
                                       Dallas, Texas 75251-1100
                                       Attention: General Counsel
                                       Telephone: (972) 367-4000
                                       Telecopy: (972) 367-3724

                    with copies to:

                                       SCS Finance, Inc.
                                       c/o Alon USA LP
                                       7616 LBJ Freeway, Suite 300
                                       Dallas, Texas 75251-1100
                                       Attn:  Chief Financial Officer
                                       Telephone: (972) 367-4000
                                       Telecopy: (972) 367-3726

                If to Lender:          GE Capital Franchise Finance Corporation
                                       17207 North Perimeter Drive
                                       Scottsdale, AZ  85255
                                       Attention: General Counsel
                                       Telephone: (480) 585-4500
                                       Telecopy: (480) 585-2226

or to such other address or telephone number of which notice is properly given
in accordance with this provision.

      B. Brokerage Commission. Lender and Borrower represent and warrant to each
other that they have dealt with no broker, agent, finder or other intermediary
in connection with the transactions contemplated by this Agreement or the other
Loan Documents. Lender and Borrower shall indemnify and hold each other harmless
from and against any costs, claims or expenses, including attorneys' fees,
arising out of the breach of their respective representations and warranties
contained within this Section.

      C. Waiver and Amendment; Document Review. (1) No provisions of this
Agreement or the other Loan Documents shall be deemed waived or amended except
by a written instrument unambiguously setting forth the matter waived or amended
and signed by the party against which enforcement of such waiver or amendment is
sought. Waiver of any matter shall not be deemed a waiver of the same or any
other matter on any future occasion.

      (2) In the event Borrower makes any request upon Lender requiring Lender
or Lender's attorneys to review and/or prepare (or cause to be reviewed and/or
prepared) any documents or other submissions in connection with or arising out
of this Agreement or any of the other Loan Documents, then Borrower shall (x)
reimburse Lender promptly upon Lender's demand for all out-of-pocket costs and
expenses incurred by Lender in connection with such review and/or preparation,
including, without limitation, reasonable attorneys' fees, and (y) pay Lender a
reasonable processing and review fee.

      D. Captions. Captions are used throughout this Agreement and the other
Loan Documents for convenience of reference only and shall not be considered in
any manner in the construction or interpretation hereof.

      E. Lender's Liability. Notwithstanding anything to the contrary provided
in this Agreement or the other Loan Documents, it is specifically understood and
agreed, such agreement being a primary consideration for the execution of this
Agreement and the other Loan Documents by Lender, that (1) there shall be
absolutely no personal liability on the part of any shareholder, director,
officer or employee of Lender, with respect to any of the terms, covenants and
conditions of this Agreement or the other Loan Documents, (2) Borrower waives
all claims, demands and causes of action against Lender's officers, directors,
employees and agents in the event of any breach by Lender of any of the terms,
covenants and conditions of this Agreement or the other Loan Documents to be
performed by Lender and

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<PAGE>

(3) Borrower shall look solely to the assets of Lender for the satisfaction of
each and every remedy of Borrower in the event of any breach by Lender of any of
the terms, covenants and conditions of this Agreement or the other Loan
Documents to be performed by Lender, such exculpation of liability to be
absolute and without any exception whatsoever.

      F. Severability. The provisions of this Agreement and the other Loan
Documents shall be deemed severable. If any part of this Agreement or the other
Loan Documents shall be held invalid, illegal or unenforceable, the remainder
shall remain in full force and effect, and such invalid, illegal or
unenforceable provision shall be reformed by such court so as to give maximum
legal effect to the intention of the parties as expressed therein.

      G. Construction Generally. This Agreement and the other Loan Documents
have been entered into by parties who are experienced in sophisticated and
complex matters similar to the transaction contemplated by this Agreement and
the other Loan Documents and is entered into by both parties in reliance upon
the economic and legal bargains contained therein and shall be interpreted and
construed in a fair and impartial manner without regard to such factors as the
party which prepared the instrument, the relative bargaining powers of the
parties or the domicile of any party. Borrower and Lender were each represented
by legal counsel competent in advising them of their obligations and liabilities
hereunder.

      H. Further Assurances. Borrower will, at its sole cost and expense, do,
execute, acknowledge and deliver or cause to be done, executed, acknowledged and
delivered all such further acts, documents, conveyances, notes, assignments,
security agreements, financing statements and assurances as Lender shall from
time to time reasonably require to carry into effect the purposes of this
Agreement and the other Loan Documents, to perfect any lien or security interest
granted in any of the Loan Documents and for the better assuring and confirming
of all of Lender's rights, powers and remedies under the Loan Documents.

      I. Attorneys' Fees. In the event of any judicial or other adversarial
proceeding between the parties concerning this Agreement or the other Loan
Documents, the prevailing party shall be entitled to recover its reasonable
attorneys' fees and other costs in addition to any other relief to which it may
be entitled.

      J. Entire Agreement. This Agreement and the other Loan Documents, together
with any other certificates, instruments or agreements to be delivered in
connection therewith, constitute the entire agreement between the parties with
respect to the subject matter hereof, and there are no other representations,
warranties or agreements, written or oral, between Borrower and Lender with
respect to the subject matter of this Agreement and other Loan Documents.
Notwithstanding anything in this Agreement and the other Loan Documents to the
contrary, upon the execution and delivery of this Agreement by Borrower and
Lender, any bid proposals or loan commitments with respect to the transactions
contemplated by this Agreement shall be deemed null and void and of no further
force and effect and the terms and conditions of this Agreement shall control
notwithstanding that such terms and conditions may be inconsistent with or vary
from those set forth in such bid proposals or loan commitments.

      K. Forum Selection; Jurisdiction; Venue; Choice of Law. Borrower
acknowledges that this Agreement and the other Loan Documents were substantially
negotiated in the State of Arizona, this Agreement and the other Loan Documents
were executed by Lender in the State of Arizona and delivered by Borrower in the
State of Arizona, all payments under the Equipment Notes will be delivered in
the State of Arizona and there are substantial contacts between the parties and
the transactions contemplated herein and the State of Arizona. For purposes of
any action or proceeding arising out of this Agreement or any of the other Loan
Documents, the parties hereto hereby expressly submit to the jurisdiction of all
federal and state courts located in the State of Arizona and Borrower consents
that it may be served with any process or paper by registered mail or by
personal service within or without the State of Arizona in accordance with
applicable law. Furthermore, Borrower waives and agrees not to assert in any
such action, suit or proceeding that it is not personally subject to the
jurisdiction of such courts, that the action, suit or proceeding is brought in
an inconvenient forum or that venue of the action, suit or proceeding is
improper. It is the intent of the parties hereto that all provisions of this
Agreement and the Equipment Notes shall be governed by and construed under the
laws of the State of Arizona, without giving effect to its principles of
conflicts of law. To the extent that a court of competent jurisdiction finds
Arizona law inapplicable with respect to any provisions of this Agreement or the
Equipment Note, then, as to those provisions only, the laws of the state(s)
where the Equipment is located shall be deemed to apply. Nothing in this

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<PAGE>

Section shall limit or restrict the right of Lender to commence any proceeding
in the federal or state courts located in the state(s) in which the Equipment is
located to the extent Lender deems such proceeding necessary or advisable to
exercise remedies available under this Agreement or the other Loan Documents.

      L. Counterparts. This Agreement and the other Loan Documents may be
executed in one or more counterparts, each of which shall be deemed an original.

      M. Assignment by Lender; Binding Effect. Lender may assign in whole or in
part its rights under this Agreement. Upon any unconditional assignment of
Lender's entire right and interest hereunder in connection with any such
Transfer, Participation and/or Securitization, Lender shall automatically be
relieved, from and after the date of such assignment, of liability for the
performance of any obligation of Lender contained herein (other than the
obligation Lender may have under Section 11.B). This Agreement and the other
Loan Documents shall be binding upon and inure to the benefit of Borrower and
Lender and their respective successors and permitted assigns, including, without
limitation, any United States trustee, any debtor in possession or any trustee
appointed from a private panel.

      N. Survival. Except for the conditions of Closing set forth in Section 3,
which shall be satisfied or waived as of the Closing Date, all representations,
warranties, agreements, obligations and indemnities of Borrower and Lender set
forth in this Agreement and the other Loan Documents shall survive the Closing.

      O. Waiver of Jury Trial and Punitive, Consequential, Special and Indirect
Damages. BORROWER AND Lender HEREBY KNOWINGLY, VOLUNTARILY AND INTENTIONALLY
WAIVE THE RIGHT EITHER MAY HAVE TO A TRIAL BY JURY WITH RESPECT TO ANY AND ALL
ISSUES PRESENTED IN ANY ACTION, PROCEEDING, CLAIM OR COUNTERCLAIM BROUGHT BY
EITHER OF THE PARTIES HERETO AGAINST THE OTHER OR ITS SUCCESSORS WITH RESPECT TO
ANY MATTER ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT, ANY OF THE OTHER
LOAN DOCUMENTS OR ANY DOCUMENT CONTEMPLATED HEREIN OR RELATED HERETO. THIS
WAIVER BY THE PARTIES HERETO OF ANY RIGHT EITHER MAY HAVE TO A TRIAL BY JURY HAS
BEEN NEGOTIATED AND IS AN ESSENTIAL ASPECT OF THEIR BARGAIN. FURTHERMORE,
BORROWER AND LENDER HEREBY KNOWINGLY, VOLUNTARILY AND INTENTIONALLY WAIVE THE
RIGHT EITHER MAY HAVE TO SEEK PUNITIVE, CONSEQUENTIAL, SPECIAL AND INDIRECT
DAMAGES FROM THE OTHER AND ANY OF THE OTHER'S AFFILIATES, OFFICERS, DIRECTORS OR
EMPLOYEES OR ANY OF THEIR SUCCESSORS WITH RESPECT TO ANY AND ALL ISSUES
PRESENTED IN ANY ACTION, PROCEEDING, CLAIM OR COUNTERCLAIM BROUGHT BY EITHER
PARTY AGAINST THE OTHER OR ANY OF THE OTHER'S AFFILIATES, OFFICERS, DIRECTORS OR
EMPLOYEES OR ANY OF THEIR SUCCESSORS WITH RESPECT TO ANY MATTER ARISING OUT OF
OR IN CONNECTION WITH THIS AGREEMENT, ANY OF THE OTHER LOAN DOCUMENTS OR ANY
DOCUMENT CONTEMPLATED HEREIN OR RELATED HERETO. THE WAIVER BY BORROWER AND
LENDER OF ANY RIGHT THEY MAY HAVE TO SEEK PUNITIVE, CONSEQUENTIAL, SPECIAL AND
INDIRECT DAMAGES HAS BEEN NEGOTIATED BY THE PARTIES HERETO AND IS AN ESSENTIAL
ASPECT OF THEIR BARGAIN.

      P. Estoppel Certificate. At any time, and from time to time, Borrower
agrees, promptly and in no event later than fifteen (15) days after a request
from Lender, to execute, acknowledge and deliver to Lender a certificate in the
form supplied by Lender, certifying as to such information reasonably requested
by Lender in connection with this Agreement and the other Loan Documents. If
Borrower shall fail or refuse to sign a certificate in accordance with the
provisions of this Section within fifteen (15) days following a request by
Lender, Borrower irrevocably constitutes and appoints Lender as its
attorney-in-fact to execute and deliver the certificate to any such third party,
it being stipulated that such power of attorney is coupled with an interest and
is irrevocable and binding.

      Q. Transfers, Participations and Securitizations. (1) A material
inducement to Lender's willingness to complete the transactions contemplated by
the Loan Documents is Borrower's agreement that Lender may, at any time,
complete a Transfer, Participation or Securitization with respect to any
Equipment Note, this Agreement and/or any of the other Loan Documents or any or
all servicing rights with respect thereto.

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<PAGE>

      (2) Borrower agrees to cooperate in good faith with Lender in connection
with any such Transfer, Participation and/or Securitization of any Equipment
Note, this Agreement and/or any of the other Loan Documents, or any or all
servicing rights with respect thereto, including, without limitation (i)
providing such documents, financial and other data, and other information and
materials (the "Disclosures") which would typically be required with respect to
the Borrower Parties or the Lessee Parties by a purchaser, transferee, assignee,
servicer, participant, investor or rating agency involved with respect to such
Transfer, Participation and/or Securitization, as applicable; provided, however,
the Borrower Parties and the Lessee Parties shall not be required to make
Disclosures of any confidential information or any information which has not
previously been made public unless required by applicable federal or state
securities laws; and (ii) amending the terms of the transactions evidenced by
the Loan Documents to the extent necessary so as to satisfy the requirements of
purchasers, transferees, assignees, servicers, participants, investors or
selected rating agencies involved in any such Transfer, Participation or
Securitization, so long as such amendments would not have a material adverse
effect upon the Borrower Parties, the Lessee Parties or the transactions
contemplated hereunder, result in any increase in the interest payable by
Borrower with respect to any Loans or any change in the maturity, amortization
schedule, prepayment rights or premium or collateral with respect to any Loans
or the covenants of Borrower under the Loan Documents or any document thereto or
result in any requirement that Borrower or Lessee make any payment in addition
to those previously agreed to be made by Borrower or Lessee pursuant to the Loan
Documents. Lender shall be responsible for preparing at its expense any
documents evidencing the amendments referred to in the preceding subitem (ii).

      (3) Borrower consents to Lender providing the Disclosures, as well as any
other information which Lender may now have or hereafter acquire with respect to
the Equipment or the financial condition of the Borrower Parties or the Lessee
Parties to each purchaser, transferee, assignee, servicer, participant, investor
or rating agency involved with respect to each Transfer, Participation and/or
Securitization, as applicable. Lender and Borrower (and their respective
Affiliates) shall each pay their own attorneys fees and other out-of-pocket
expenses incurred in connection with the performance of their respective
obligations under this Section. However, to the extent that Borrower's (and its
Affiliates) attorneys' fees and other out-of-pocket expenses incurred in
connection with the performance of their obligations hereunder are in excess of
$10,000 in the aggregate, Lender will reimburse Borrower and its Affiliates for
all such excess fees and expenses.

      (4) Notwithstanding anything to the contrary contained in this Agreement
or the other Loan Documents: (a) an Event of Default or a breach or default,
after the passage of all applicable notice and cure or grace periods, under any
Loan Document, any Affiliated Borrower Loan Document, any Mortgage Loan
Document, the Master Lease, any Related Lease or any Other Agreement which
relates to a loan or sale/leaseback transaction which has not been the subject
of a Securitization, Participation or Transfer shall not constitute an Event of
Default or a breach or default, as applicable, under any Loan Document, any
Affiliated Borrower Loan Document, any Mortgage Loan Document, the Master Lease,
any Related Lease or any Other Agreement which relates to a loan which has been
the subject of a Securitization, Participation or Transfer; (b) an Event of
Default or a breach or default, after the passage of all applicable notice and
cure or grace periods, under any Loan Document, any Affiliated Borrower Loan
Document, any Mortgage Loan Document, the Master Lease, any Related Lease or any
Other Agreement which relates to a loan which is included in any Loan Pool shall
not constitute an Event of Default or a breach or default, as applicable, under
any Loan Document, any Affiliated Borrower Loan Document, any Mortgage Loan
Document, the Master Lease, any Related Lease or any Other Agreement which
relates to a loan which is included in any other Loan Pool; (c) the Loan
Documents, Affiliated Borrower Loan Documents, Mortgage Loan Documents, and any
Other Agreements corresponding to the loans in any Loan Pool shall not secure
the obligations of any of the Borrower Parties and/or any Affiliated Borrower
contained in any Loan Document, any Affiliated Borrower Loan Document, any
Mortgage Loan Document or any Other Agreement which does not correspond to a
loan in such Loan Pool; and (d) the Loan Documents, Affiliated Borrower Loan
Documents, Mortgage Loan Documents and any Other Agreements which do not
correspond to a loan in any Loan Pool shall not secure the obligations of any of
the Borrower Parties and/or any Affiliated Borrower contained in any Loan
Document, any Affiliated Borrower Loan Document, any Mortgage Loan Document or
any Other Agreement which does correspond to a loan in such Loan Pool.

      (5) In the event that at least one, but not all, of the Equipment Loans
are included in a Loan Pool, Borrower, at the request of Lender, shall execute
(i) a separate Equipment Loan and Security Agreement with respect to those
Equipment Loans included in such Loan Pool, which Equipment Loan and Security
Agreement shall be in substantially the same form and substance as this
Agreement but shall only apply with respect to those

SCS Finance I
Equipment Loan

                                       22
<PAGE>

Premises corresponding to such Loans (the "Other Loan Agreement"), and (ii) an
amendment to this Agreement that shall modify the term "Premises" to delete
those Premises corresponding to the Other Loan Agreement from this Agreement.
Lender shall prepare, at Lender's expense, the documents contemplated by the
preceding sentence. If Borrower shall fail to execute and deliver any of the
documents contemplated by this subsection (5) within ten (10) days after
Lender's request, Lender shall be and is hereby irrevocably appointed the agent
and attorney-in-fact of Borrower to execute and deliver such documents, which
appointment is coupled with an interest and is irrevocable and binding.

      R. Confidentiality. (a) Confidential Information may be disclosed to the
Permitted Recipients, orally or in writing, by inspection or by permissive
observation, or in any other way, but no disclosure will allow the Permitted
Recipients to further disclose the Confidential Information or to use it except
as permitted by this Agreement. Confidential Information does not include:

            (i) information which was in the public domain, publicly available
      and publicly known at the time of disclosure, including, without
      limitation, reports filed by Lessee with the United States Securities and
      Exchange Commission,

            (ii) information which subsequently becomes public knowledge as a
      result of a disclosure by Borrower or Lessee, or in any way not involving
      any breach of this Agreement by Borrower, as of the date of its becoming
      public, or

            (iii) information which Lender obtains from sources other than
      Borrower, Lessee or their Affiliates in any manner not involving any
      breach of this Section by Lender.

      (b) Borrower grants to the Permitted Recipients the nonexclusive right to
review and use the Confidential Information in order to understand the
operations of Borrower, Lessee and their Affiliates in connection with the
transactions contemplated by the Loan Documents. Except as otherwise provided
herein or contemplated by subsection (c) below:

            (i) the Confidential Information may not be used for any other
      purpose or by any Person which is not a Permitted Recipient;

            (ii) Lender will not release or disseminate the Confidential
      Information, or any part of it, to any Person which is not a Permitted
      Recipient without specific prior written consent from Borrower; and

            (iii) Lender agrees that in the event it is requested by a judicial,
      administrative or governmental body or an agency thereof to disclose any
      of the Confidential Information, it will promptly, insofar as it is
      practicable to do so, notify Borrower so that Borrower may seek a
      protective order or other appropriate remedy.

      Lender will in good faith treat the Confidential Information with at least
the same care that Lender uses in the protection of its own undisclosed and
proprietary information. Lender will advise its Permitted Recipients of the
confidential and proprietary nature of the Confidential Information and use
reasonable efforts to protect the secrecy of such Confidential Information in
accordance with the terms of this Agreement.

      Except as otherwise provided in this Section 12.5, upon the repayment of
the Loan, in full, Lender will immediately cease all use of the Confidential
Information.

      (c) Notwithstanding the foregoing, nothing in this Section 12.5 shall
limit or prevent:

            (i) Any Permitted Recipient from utilizing Confidential Information
      delivered by Borrower or Lessee for the purposes expressly contemplated by
      this Section 12.5;

SCS Finance I
Equipment Loan

                                       23
<PAGE>

            (ii) Lender and its Permitted Recipients from disclosing,
      distributing and/or making Confidential Information available to any
      Permitted Recipient as necessary in connection with any Transfer,
      Participation and/or Securitization provided that Lender advises such
      Permitted Recipients of the confidential nature of such Confidential
      Information;

            (iii) Any Permitted Recipient from utilizing Confidential
      Information in connection with the exercise of Borrower's rights and
      remedies under the Loan Document;

            (iv) Any Permitted Recipient from disclosing Confidential
      Information as required by court order or subpoena or as otherwise
      required by any Governmental Authority under applicable law.

                            [SIGNATURE PAGE FOLLOWS]

SCS Finance I
Equipment Loan

                                       24
<PAGE>

      IN WITNESS WHEREOF, Borrower and Lender have entered into this Agreement
as of the Closing Date.

                           LENDER:

                           GE CAPITAL FRANCHISE FINANCE CORPORATION,
                           a Delaware corporation

                           By /s/ STEPHEN Y. SCHWANZ
                              --------------------------------------------------
                                 Stephen Y. Schwanz
                                 Senior Vice President

                           BORROWER:

                           SCS FINANCE I, L.P., a Delaware limited partnership

                           By: SCS Finance GP LLC, a Delaware limited liability
                               company, its general partner

                               By: SCS Finance, Inc., its managing member

                                   By /s/ JEFFREY D. MORRIS
                                      ------------------------------------------
                                          Jeffrey D. Morris
                                          President

                           U.S. Federal Tax Identification Number: 71-0902286

                           Organization Identification Number: 3564733

SCS Finance I
Equipment Loan

<PAGE>

                                POWER OF ATTORNEY

      Lender may act as attorney-in-fact or otherwise on behalf of Borrower
pursuant to Sections 4, 6.K, 9.B(3) and 13.P of this Agreement. This power of
attorney is coupled with an interest, is durable and is not affected by
subsequent disability or incapacity of the principal or lapse of time.

    /s/ (ILLEGIBLE)            /s/ S.Y.S.                 /s/ J.D.M
    ------------------         -------------------        ---------------------
    Witness                    Lender                     Borrower

                                     WITNESS

      In accordance with the requirements of Arizona Revised Statutes Section
14-5506 and other applicable law, the undersigned has executed this Agreement
for the purpose of witnessing the grant of the powers of attorney by Borrower to
Lender.

                               /s/ (ILLEGIBLE)
                               -------------------------------

SCS Finance I
Equipment Loan

<PAGE>

STATE OF ARIZONA          )
                          ) SS.
COUNTY OF MARICOPA        )

      The foregoing instrument was acknowledged before me on September 27, 2002
by Stephen Y. Schwanz, Senior Vice President of GE Capital Franchise Finance
Corporation, a Delaware corporation, on behalf of the corporation.

                                                /s/ DEBBIE L. SUMAN
                                                --------------------------------
                                                Notary Public

My Commission Expires:

  5-5-06                                        [SEAL]
------------------------------------------
STATE OF ARIZONA          )
                          ) SS.
COUNTY OF MARICOPA        )

      The foregoing instrument was acknowledged before me on September 27, 2002
by Jeffrey D. Morris, President of SCS Finance, Inc., a Delaware corporation,
Managing Member, on behalf of SCS Finance GP LLC, a Delaware limited liability
company, the General Partner on behalf of SCS Finance I, L.P., a Delaware
limited partnership, on behalf of the partnership.

                                                /s/ DEBBIE L. SUMAN
                                                --------------------------------
                                                Notary Public

My Commission Expires:

  5-5-06                                        [SEAL]
------------------------------------------

SCS Finance I
Equipment Loan<PAGE>
                                                                   EXHIBIT 10.12

                                  MASTER LEASE

      THIS MASTER LEASE (this "Lease") is made as of October 1, 2002 (the
"Effective Date"), by and between SCS FINANCE II, L.P., a Delaware limited
partnership ("Lessor"), and SOUTHWEST CONVENIENCE STORES, LP, a Texas limited
partnership ("Lessee").

                                   WITNESSETH:

      THAT, in consideration of the mutual covenants and agreements herein
contained, Lessor and Lessee hereby covenant and agree as follows:

      1. CERTAIN DEFINED TERMS. The following terms shall have the following
meanings for all purposes of this Lease:

      "ADA" means the Americans with Disabilities Act of 1990, as such act may
be amended from time to time.

      "Additional Rental" has the meaning set forth in Section 5.B.

      "Affiliate" means any Person which directly or indirectly controls, is
under common control with, or is controlled by any other Person. For purposes of
this definition, "controls", "under common control with" and "controlled by"
means the possession, directly or indirectly, of the power to direct or cause
the direction of the management and policies of such Person, whether through the
ownership of voting securities or otherwise.

      "Affiliated Borrower" means SCS Finance I, L.P., a Delaware limited
partnership.

      "Applicable Regulations" means all applicable statutes, regulations,
rules, ordinances, codes, licenses, permits, orders and approvals of each
Governmental Authority having jurisdiction over any of the Properties or the
Equipment, including, without limitation, all health, building, fire, safety and
other codes, ordinances and requirements, all applicable standards of the
National Board of Fire Underwriters and the ADA and all policies or rules of
common law, in each case, and any judicial or administrative interpretation
thereof, including any judicial order, consent, decree or judgment applicable to
any of the Lessee Parties, each as in effect on the date of determination.

      "Applicable Rent Reduction Percentage" means, with respect to any
Property, a fraction, the numerator of which shall be the original principal
balance of the Note relating to such Property and Fee Equipment located thereon,
and the denominator of which shall be the sum of all of the original principal
balances of the Notes relating to all of the Properties and Fee Equipment then
subject to this Lease, including such Property and Fee Equipment.

      "Base Annual Rental" means the amount of $1,840,707.96, which Base Annual
Rental may be subject to adjustment from time to time as set forth in Section
21.

      "Base Monthly Rental" means an amount equal to 1/12 of the Base Annual
Rental.

      "Business Day" means any day on which Lender is open for business other
than a Saturday, Sunday or a legal holiday, ending at 5:00 P.M. Phoenix, Arizona
time.

      "Change of Control" means a change in control of any of the Lessee Parties
occurring as a result of: (i) any merger or consolidation by any of the Lessee
Parties, as applicable, with or into any other entity other than another entity
controlled by Alon Israel Oil Company Ltd. or any successor in interest thereto;
or (ii) if any "Person" as defined in Section 3(a)(9) of the Securities and
Exchange Act of 1934, as amended (the "Exchange Act"), and as used in Section
13(d) and 14(d) thereof, including a "group" as defined in Section 13(d) of the
Exchange Act, who, subsequent to the Closing, becomes the "beneficial owner" (as
defined in Rule 13d-3 under the Exchange Act), of securities of any of the
Lessee Parties, as applicable, representing 50% or more of the combined voting
power of that Lessee Party's then outstanding securities (other than indirectly
as a result of the redemption by any of the Lessee

SCS Finance II, L.P.

<PAGE>

Parties, as applicable, of its securities) including, without limitation, a
change in control resulting from direct or indirect transfers of voting stock or
partnership, membership or other ownership interests, whether in one or a series
of transactions; provided, however, that if no Event of Default, or events or
circumstances which with the giving of notice or passage of time will result in
an Event of Default, then exists (except for an environmental default being
cured in accordance with Section 24.A.(vii)), then no Change in Control of any
of the Lessee Parties shall be deemed to have occurred if immediately following
the event that would otherwise cause that Change in Control: (i) Lessee has an
aggregate amount of partners' capital equal to or greater than the aggregate
amount of the partners' capital of Lessee, as determined in accordance with GAAP
immediately prior to that event and the Corporate Fixed Charged Coverage Ratio
of Lessee determined for the last twelve full months occurring prior to that
event is at least 1.5:1; or (ii) the rating agency then rating the debt of
Guarantor has confirmed that the credit rating of Guarantor is no lower than its
credit rating immediately prior to that event; and provided, further, no event
that would otherwise be deemed to be a Change in Control hereunder as a result
of any merger or consolidation of, or the transfer of the voting stock or other
voting ownership interests in, Alon Israel Oil Company Ltd. shall be deemed to
be a Change in Control under this Agreement or any other Loan Document. For
purposes of this definition, "control" means the possession, directly or
indirectly, of the power to direct or cause the direction of the management and
policies of any of the Lessee Parties, as applicable.

      "Code" means Title 11 of the United States Code, 11 U.S.C. Sec. 101 et
seq., as amended.

      "Corporate Fixed Charge Coverage Ratio" means with respect to Guarantor or
Lessee, the "Corporate Fixed Charge Coverage Ratio" as defined in Section
24.A(xii) or Section 59, respectively.

      "Default Rate" means the lesser of the highest rate for which the
undersigned may legally contract or the rate of 14% per annum.

      "Distributor" means Alon USA, LP, or any other distributor of petroleum
products to the Properties, in accordance with a Permitted Concept.

      "Distributor Agreement" means the agreement or agreements with the
Distributor (including any successor Distributor) with respect to the supply of
petroleum products to the Properties, together with all amendments,
modifications, supplements, or replacements thereto.

      "Effective Date" has the meaning set forth in the Preamble.

      "Environmental Compliance Activities" means any action to comply with any
Environmental Laws or with any permits issued pursuant thereto, any inspection,
investigation, study, monitoring, assessment, audit, sampling and testing,
laboratory or other analysis or any evaluation relating to Hazardous Materials.

      "Environmental Condition" means any condition with respect to soil,
surface waters, groundwaters, land, stream sediments, surface or subsurface
strata, ambient air and any environmental medium comprising or surrounding any
of the Properties, which would reasonably be expected to or does result in any
damage, loss, cost, expense, claim, demand, order or liability to or against any
of the Lessee Parties, Lessor or Lender by any third party (including, without
limitation, any Governmental Authority), including, without limitation, any
condition resulting from the operation of business at any of the Properties
and/or the operation of the business of any other property owner or operator in
the vicinity of the Properties and/or any activity or operation formerly
conducted by any person or entity on or off any of the Properties.

      "Environmental Insurer" means American International Specialty Lines
Insurance Company, or such other environmental insurance company as Lessor may
select, and its successors and assigns.

      "Environmental Laws" means any applicable federal, state and local laws,
statutes, ordinances, rules, regulations, orders, injunctions and decrees of
Governmental Authorities and common law, relating to Hazardous Materials or USTs
and/or the protection of human health or the environment by reason of a Release
or a Threatened Release of Hazardous Materials or USTs or relating to liability
for or costs of Remediation, Environmental Compliance Activities or prevention
of Releases. "Environmental Laws" includes, but is not limited to, the

SCS Finance II, L.P.

                                       2

<PAGE>

following statutes, as amended, any successor thereto, and any regulations,
rulings, orders or decrees promulgated pursuant thereto, and any state or local
statutes, ordinances, rules, regulations, orders, injunctions and decrees of
Governmental Authorities: the Comprehensive Environmental Response, Compensation
and Liability Act, 42 U.S.C. Sections 9601 et seq.; the Emergency Planning and
Community Right-to-Know Act, 42 U.S.C. Section 11001 et seq.; the Hazardous
Materials Transportation Act, 49 U.S.C. Section 5101 et seq.; the Resource
Conservation and Recovery Act (including but not limited to Subtitle I relating
to USTs), 42 U.S.C. Sections 6901 et seq.; the Clean Water Act, 33 U.S.C.
Sections 1251 et seq.; the Clean Air Act, 42 U.S.C. Sections 7401 et seq.; the
Toxic Substances Control Act, 15 U.S.C. Section 2601 et seq.; the Safe Drinking
Water Act, 42 U.S.C. Sections 7401 et seq.; the Occupational Safety and Health
Act, 29 U.S.C. Section 651 et seq.; the Federal Insecticide, Fungicide and
Rodenticide Act, 7 U.S.C. Sections 136 et seq.; the Endangered Species Act, 16
U.S.C. Sections 1531 et seq. and the National Environmental Policy Act, 42
U.S.C. Section 4321 et seq. "Environmental Laws" also includes, but is not
limited to, any applicable federal, state and local laws, statutes, ordinances,
rules, regulations, orders, injunctions and decrees of Governmental Authorities
and common law: conditioning transfer of property upon a negative declaration or
other approval of a Governmental Authority of the environmental condition of the
property; requiring notification or disclosure of Releases or other
environmental condition of any of the Properties to any Governmental Authority
or other person or entity, whether or not in connection with transfer of title
to or interest in property; imposing conditions or requirements relating to
Hazardous Materials or USTs in connection with permits or other authorizations
required by Governmental Authorities; relating to the handling and disposal of
Hazardous Materials; relating to nuisance, trespass or other causes of action
related to Hazardous Materials; and relating to wrongful death, personal injury,
or property or other damage in connection with the physical condition or use of
any of the Properties by reason of the presence of Hazardous Materials or USTs
in, on, under or above any of the Properties.

      "Environmental Liens" has the meaning set forth in Section 6.L(9).

      "Environmental Policies" means the environmental insurance policies issued
by Environmental Insurer to Lender with respect to the Properties, which
Environmental Policies shall be in form and substance satisfactory to Lender in
its sole discretion.

      "Equipment" means the Fee Equipment and the Leasehold Equipment.

      "Equipment Loan Agreement" means the Equipment Loan and Security
Agreement, dated as of the Effective Date, in effect between Lessor and Lender,
as such agreement may be amended, modified or supplemented from time to time and
any replacements or substitutions thereof.

      "Equipment Loan Documents" means, collectively, the Equipment Loan
Agreement, the Equipment Notes, and all other documents, instruments and
agreements executed in connection therewith or contemplated thereby, all as
amended, modified or supplemented from time to time, and any and all
replacements or substitutions thereof.

      "Equipment Notes" means, collectively, the equipment promissory notes
dated as of the Effective Date executed by Lessor and payable to Lender and
secured by the Leasehold Equipment, as such notes may be amended, modified,
restated and/or substituted from time to time.

      "Equipment Premises" means collectively or individually, as the context
may require a parcel or all of the parcels of real property described by address
and unit number in Exhibit B attached hereto, and legally described on Exhibit
B-2 attached hereto, which are leased to Lessee pursuant to the Premises Leases
and all rights, privileges and appurtenances associated therewith, including all
buildings, fixtures and other improvements.

      "Equipment Premises Landlord" means the owner of the fee-simple interest
in one or more Equipment Premises, which party leases such Equipment Premises to
Lessee pursuant to a Premises Lease.

      "Event of Default" has the meaning set forth in Section 24.

      "Fee Equipment" means the furniture, machinery, equipment, trade fixtures,
appliances, gas pumps and canopies, and all other tangible personal property now
or hereafter located at the Properties owned by Lessor and leased to Lessee
pursuant to this Lease.

SCS Finance II, L.P.

                                       3

<PAGE>

      "GAAP" means generally accepted accounting principles consistently applied
and in effect in the United States of America from time to time.

      "Governmental Authority" means any governmental authority, agency,
department, commission, bureau, board, instrumentality, court or
quasi-governmental authority having jurisdiction or supervisory or regulatory
authority over any of the Properties, Equipment or any of the Lessee Parties.

      "Guaranty" means the unconditional guaranty of payment and performance
dated as of the date of this Agreement executed by Guarantor, for the benefit of
Lessor with respect to this Lease.

      "Guarantor" means Alon USA, Inc., a Delaware corporation, and its
successors.

      "Hazardous Materials" means (a) any toxic substance or hazardous waste,
substance, solid waste or related material, or any pollutant or contaminant; (b)
radon gas, asbestos in any form which is or could become friable, urea
formaldehyde foam insulation, transformers or other equipment containing
dielectric fluid having levels of polychlorinated biphenyls in excess of
applicable standards established by any Governmental Authority, or any petroleum
product or additive; (c) any substance, gas, material or chemical which is now
or hereafter defined as or included in the definition of "hazardous substances,"
"toxic substances," "hazardous materials," "hazardous wastes," "regulated
substances" or words of similar import under any Environmental Laws, including,
without limitation, "petroleum" and "petroleum-based substances" or any similar
terms described or defined in any Environmental Laws and any applicable federal,
state, county or local laws applicable to or regulating USTs; and (d) any other
chemical, material, gas or substance the exposure to or release of which is
prohibited, limited or regulated by any Governmental Authority that asserts or
may assert jurisdiction over any of the Properties or the operations or activity
at any of the Properties, or any chemical, material, gas or substance that does
or is reasonably likely to pose a hazard to the health and/or safety of the
occupants of any of the Properties or the owners and/or occupants of property
adjacent to or surrounding the any of Properties.

      "Indemnified Parties" means Lessor, Environmental Insurer, Lender, their
respective directors, officers, shareholders, trustees, beneficial owners,
partners and members, any directors, officers, shareholders, trustees,
beneficial owners, partners, members of any shareholders, beneficial owners,
partners or members of Lessor, Environmental Insurer or Lender, and all
employees, agents, servants, representatives, contractors, subcontractors,
affiliates, subsidiaries, participants, successors and assigns of any of the
foregoing, including, but not limited to, any successors by merger,
consolidation or acquisition of all or a substantial portion of the assets and
business of Lessor, Environmental Insurer or Lender, as applicable.

      "Lease Term" shall have the meaning described in Section 4.

      "Leasehold Equipment" means the furniture, machinery, equipment, trade
fixtures, appliances, gas pumps and canopies, and all other tangible personal
property now or hereafter located at the Equipment Premises owned by Lessor and
leased to Lessee pursuant to this Lease.

      "Lender" means GE Capital Franchise Finance Corporation, a Delaware
corporation, its successors and assigns, any successor lender in connection with
any loan secured by Lessor's interest in any of the Properties and/or Equipment,
and any servicer of any loan secured by Lessor's interest in any of the
Properties and/or the Equipment.

      "Lessee Parties" means, collectively, Lessee and any guarantors of this
Lease (including, in each case, any predecessors-in-interest).

      "Lessor Entities" means, collectively, Lessor (including any
predecessor-in-interest to Lessor) and any Affiliate of Lessor (including any
Affiliate of any predecessor-in-interest to Lessor).

      "Loan Agreement" means the Loan Agreement dated as of the Effective Date
in effect between Lessor and Lender, as such agreement may be amended, modified
or supplemented from time to time and any and all replacements or substitutions
thereof.

SCS Finance II, L.P.

                                       4

<PAGE>

      "Loan Documents" means, collectively, the Loan Agreement, the Notes, the
Mortgages and all other documents, instruments and agreements executed in
connection therewith or contemplated thereby, all as amended, modified and
supplemented and any and all replacements or substitutions thereof.

      "Loan Pool" means:

            (i) in the context of a Securitization, any pool or group of loans
      that are a part of such Securitization;

            (ii) in the context of a Transfer, all loans which are sold,
      transferred or assigned to the same transferee; and

            (iii) in the context of a Participation, all loans as to which
      participating interests are granted to the same participant.

      "Losses" means any and all claims, suits, liabilities (including, without
limitation, strict liabilities), actions, proceedings, obligations, debts,
damages, losses, costs, expenses, diminutions in value, fines, penalties,
charges, fees, expenses, judgments, awards, amounts paid in settlement and
damages of whatever kind or nature (including, without limitation, attorneys'
fees, court costs and other costs of defense).

      "Material Adverse Effect" means a material adverse effect on (i) any of
the Properties and/or Equipment, including, without limitation, the operation of
any of the Properties and/or Equipment as a Permitted Concept, or (ii) Lessee's
ability to perform its obligations under this Lease or any Premises Lease.

      "Memorandum" means the memorandum of master lease dated as of the
Effective Date between Lessor and Lessee with respect to the Properties. A
duplicate original Memorandum will be executed and recorded in the applicable
real property records for each Property. Each Memorandum will contain exhibits
with the addresses and store identification numbers for all of the Properties
and the legal description for the applicable Property.

      "Mortgage" or "Mortgages" means, as the context may require, the mortgage
or deed of trust dated as of the date of this Agreement executed by Lessor for
the benefit of Lender with respect to a Property or the mortgages, deeds of
trust or deeds to secure debt, assignments of rents and leases, security
agreements and fixture filings dated as of the Effective Date executed by Lessor
for the benefit of Lender with respect to all of the Properties, as the same may
be amended, modified, restated and/or supplemented from time to time and any and
all replacements or substitutions thereof. A Mortgage has been executed for each
Property.

      "Notes" means, collectively, the promissory notes dated as of the
Effective Date executed by Lessor and payable to Lender with respect to the
Properties, as such notes may be amended, modified, restated and/or substituted
from time to time.

      "Other Agreements" means, collectively, all agreements and instruments now
or hereafter entered into between, among or by (1) any of the Lessee Parties
and/or any Affiliate of any of the Lessee Parties (including any Affiliate of
any predecessor-in-interest to any of the Lessee Parties), and, or for the
benefit of, (2) any of the Lessor Entities; provided, however, the term Other
Agreements shall not include this Lease or any Related Lease.

      "Participation" means one or more grants by Lender or any Affiliate of
Lender to a third party of a participating interest in notes evidencing
obligations to repay secured or unsecured loans owned by Lender or any Affiliate
of Lender or any or all servicing rights with respect thereto.

      "Permitted Amounts" means, with respect to any given level of Hazardous
Materials, that level or quantity of Hazardous Materials in any form or
combination of forms the presence, use, storage, release or handling of which
does not constitute a violation of any Environmental Laws and is customarily
employed in the ordinary course of, or associated with, similar businesses
located in the states in which the Properties are located.

SCS Finance II, L.P.

                                       5

<PAGE>

      "Permitted Concept" means the operation of each Property or Equipment
Premises as a recognized, regionally or nationally branded convenience store or
convenience store brand used by Lessee for substantially all of its stores, with
facilities for the sale of gasoline, which sells gasoline under the brand name
"Fina" (or any variant thereof or successor brand thereto) or under any other
national or brand name for gasoline having a similar or greater name recognition
in the market area in which the Property or Equipment Premises are located or
any other brand to which Lessor consents, in Lessor's reasonable discretion
(except with respect to the Property identified as Store No. 716 located at 1800
Lomas Boulevard NE, Albuquerque, New Mexico for which "Permitted Concept" shall
not include the sale of gasoline).

      "Permitted Liens" means (i) those recorded easements, restrictions, liens
and encumbrances set forth as exceptions in the title insurance policies issued
by Title Company to Lender with respect to the Properties, (ii) liens or
encumbrances created by, through or under the Lender or any Person claiming by
or through Lender, (iii) liens or encumbrances for taxes, assessments or other
governmental charges either not yet due or being contested by Lessee in
accordance with this Lease or the Loan Documents, (iv) inchoate materialman's,
mechanic's, workmen's, repairmen's or other like liens arising in the ordinary
course of business and for amounts the payment of which either is not yet due or
is being contested by Lessee as may be permitted by this Lease, provided the
nonpayment of such amount does not involve any material danger of sale, for
forfeiture or loss of any part of the Properties or Equipment, title thereto or
any interest therein.

      "Person" means any individual, corporation, partnership, limited liability
company, trust, unincorporated organization, Governmental Authority or any other
form of entity.

      "Personal Property" means all machinery, appliances, furniture, equipment,
trade fixtures, gas pumps and canopies and other tangible personal property (but
excluding inventory, general intangibles, payment intangibles, cash, instruments
(including promissory notes), documents, accounts, chattel paper (whether
tangible or electronic), deposit accounts, letter of credit rights, securities
and all other investment property, any other contract rights or rights to the
payment of money, and all other intangible property), owned by Lessee now or
hereafter located on or at any of the Properties or used solely in connection
with any of the Properties.

      "Premises Lease" or "Premises Leases" means, as the context may require,
one or all of the leases for an Equipment Premises, each between Lessee, as
lessee, and an Equipment Premises Landlord, as lessor, as the same may be
amended or supplemented from time to time.

      "Properties" means, collectively, the parcels of real estate owned by
Lessor, which are described by address, Lessor Number and Unit Number in Exhibit
A attached hereto and legally described in Exhibit A-1 attached hereto, all
rights, privileges and appurtenances associated therewith, and all buildings,
fixtures and other improvements now or hereafter located on such real estate
(whether or not affixed to such real estate).

      "Property" means any one of the Properties.

      "Questionnaires" means the environmental questionnaires completed on
behalf of Lessor with respect to the Properties and submitted to Environmental
Insurer in connection with the issuance of the Environmental Policies.

      "Related Lease" means the master lease, dated as of the date of this
Lease, between Lessee, as lessee, and the Affiliated Borrower, as lessor, as
amended or supplemented from time to time.

      "Release" means any presence, release, deposit, discharge, emission,
leaking, spilling, seeping, migrating, injecting, pumping, pouring, emptying,
escaping, dumping, disposing or other movement of Hazardous Materials in
violation of Environmental Laws or which may result in a Material Adverse
Effect.

      "Remediation" means any response, remedial, removal, or corrective action,
any activity to clean up, detoxify, decontaminate, contain or otherwise
remediate any Hazardous Materials or USTs required by any Environmental Law or
any Governmental Authority, any actions to cure or mitigate any Release, any
action to comply with any Environmental Laws or with any permits issued pursuant
thereto, and any inspection, investigation,

SCS Finance II, L.P.

                                       6

<PAGE>

study, monitoring, assessment, audit, sampling and testing, laboratory or other
analysis, or any evaluation relating to any Release of Hazardous Materials or
Release from any USTs.

      "Securitization" means one or more sales, dispositions, transfers or
assignments by Lender or any Affiliate of Lender to a special purpose
corporation, trust or other entity identified by Lender or any Affiliate of
Lender of notes evidencing obligations to repay secured or unsecured loans owned
by Lender or any Affiliate of Lender (and, to the extent applicable, the
subsequent sale, transfer or assignment of such notes to another special purpose
corporation, trust or other entity identified by Lender or any Affiliate of
Lender), and the issuance of bonds, certificates, notes or other instruments
evidencing interests in pools of such loans, whether in connection with a
permanent asset securitization or a sale of loans in anticipation of a permanent
asset securitization. Each Securitization shall be undertaken in accordance with
all requirements which may be imposed by the investors or the rating agencies
involved in each such sale, disposition, transfer or assignment or which may be
imposed by applicable securities, tax or other laws or regulations.

      "Terrorism Laws" means Executive Order 13224 issued by the President of
the United States of America, the Terrorism Sanctions Regulations (Title 31 Part
595 of the U.S. Code of Federal Regulations), the Terrorism List Governments
Sanctions Regulations (Title 31 Part 596 of the U.S. Code of Federal
Regulations), and the Foreign Terrorist Organizations Sanctions Regulations
(Title 31 Part 597 of the U.S. Code of Federal Regulations), and all other
present and future federal, state and local laws, ordinances, regulations,
policies and any other requirements of any Governmental Authority (including,
without limitation, the United States Department of the Treasury Office of
Foreign Assets Control) addressing, relating to, or attempting to eliminate,
terrorist acts and acts of war, each as hereafter supplemented, amended or
modified from time to time, and the present and future rules, regulations and
guidance documents promulgated under any of the foregoing, or under similar
laws, ordinances, regulations, policies or requirements of other states or
localities.

      "Threatened Release" means a substantial likelihood of a Release which
requires action to prevent or mitigate damage to the soil, surface waters,
groundwaters, land, stream sediments, surface or subsurface strata, ambient air
or any other environmental medium comprising or surrounding any of the
Properties which may result from such Release.

      "Title Company" means Lawyers Title Insurance Corporation.

      "Transfer" means one or more sales, transfers or assignments by Lender or
any Affiliate of Lender to a third party of notes evidencing obligations to
repay secured or unsecured loans owned by Lender or any Affiliate of Lender or
any or all servicing rights with respect thereto.

      "UCC" shall have the meaning described in Section 31.

      "USTs" means any one or combination of below or above ground tanks and
associated piping systems used in connection with the storage, dispensing and
general use of petroleum and petroleum-based substances.

      2. DEMISE OF PROPERTIES. In consideration of the rentals and other sums to
be paid by Lessee and of the other terms, covenants and conditions on Lessee's
part to be kept and performed, Lessor hereby leases to Lessee, and Lessee hereby
takes and hires, all of the Properties and Equipment. The Properties and
Equipment are leased to Lessee "AS IS" and "WHERE IS" without representation or
warranty by Lessor and subject to the rights of parties in possession, to the
existing state of title, any state of facts which an accurate survey or physical
inspection might reveal, and all Applicable Regulations now or hereafter in
effect. Lessee has examined each of the Properties and the Equipment and title
to each of the Properties and the Equipment and has found all of the same
satisfactory for all of Lessee's purposes.

      3. MASTER LEASE CHARACTERIZATION. A. Lessor and Lessee intend that:

            (i) this Lease constitutes a single master lease of all, but not
      less than all, of the Properties and Equipment and that Lessor and Lessee
      have executed and delivered this Lease with the understanding that this
      Lease constitutes a unitary, unseverable instrument pertaining to all, but
      not less than all, of the

SCS Finance II, L.P.

                                       7

<PAGE>

      Properties, and that neither this Lease nor the duties, obligations or
      rights of Lessee may be allocated or otherwise divided among the
      Properties and Equipment by Lessee;

            (ii) this Lease is a "true lease" and not a financing lease,
      mortgage, equitable mortgage, deed of trust, trust agreement, security
      agreement or other financing or trust arrangement, and the economic
      realities of this Lease are those of a true lease; and

            (iii) the business relationship created by this Lease and any
      related documents is solely that of a long-term commercial lease between
      landlord and tenant and has been entered into by both parties in reliance
      upon the economic and legal bargains contained herein.

      B. Lessor and Lessee acknowledge and agree that the Lease Term, including
any term extensions provided for in this Lease, is less than the remaining
economic life of each of the Properties and of the Equipment.

      C. Lessee waives any claim or defense based upon the characterization of
this Lease as anything other than a true lease and irrevocably waives any claim
or defense which asserts that this Lease is anything other than a true lease.
Lessee covenants and agrees that it will not assert that this Lease is anything
but a true lease. Lessee stipulates and agrees not to challenge the validity,
enforceability or characterization of the lease of the Properties and Equipment
as a true lease and further stipulates and agrees that nothing contained in this
Lease creates or is intended to create a joint venture, partnership (either de
jure or de facto), equitable mortgage, trust, financing device or arrangement,
security interest or the like. Lessee shall support the intent of the parties
that the lease of the Properties and Equipment pursuant to this Lease is a true
lease and does not create a joint venture, partnership (either de jure or de
facto), equitable mortgage, trust, financing device or arrangement, security
interest or the like, if, and to the extent that, any challenge occurs.

      D. Lessee waives any claim or defense based upon the characterization of
this Lease as anything other than a master lease of all of the Properties and
Equipment and irrevocably waives any claim or defense which asserts that this
Lease is anything other than a master lease. Lessee covenants and agrees that it
will not assert that this Lease is anything but a unitary, unseverable
instrument pertaining to the lease of all, but not less than all, of the
Properties and Equipment. Lessee stipulates and agrees not to challenge the
validity, enforceability or characterization of the lease of the Properties and
Equipment as a unitary, unseverable instrument pertaining to the lease of all,
but not less than all, of the Properties and Equipment. Lessee shall support the
intent of the parties that this Lease is a unitary, unseverable instrument
pertaining to the lease of all, but not less than all, of the Properties and
Equipment, if, and to the extent that, any challenge occurs.

      E. Lessee represents and warrants to Lessor that (i) the Base Annual
Rental is the fair market value for the use of the Properties and Equipment and
was agreed to by Lessor and Lessee on that basis, and (ii) the execution,
delivery and performance by Lessee of this Lease does not constitute a transfer
of all or any part of the Properties and Equipment.

      F. The expressions of intent, the waivers, the representations and
warranties, the covenants, the agreements and the stipulations set forth in this
Section are a material inducement to Lessor entering into this Lease.

      4. LEASE TERM. The Lease Term for all of the Properties and Equipment
shall commence as of the Effective Date and shall expire on March 31, 2023,
unless terminated sooner as provided in this Lease. The time period during which
this Lease shall actually be in effect is referred to herein as the "Lease
Term."

      5. RENTAL AND OTHER PAYMENTS. A. If the Effective Date is a date other
than the first day of the month, Lessee shall pay Lessor on the Effective Date
the Base Monthly Rental prorated on the basis of the ratio that the number of
days from the Effective Date through the last day in the month containing the
Effective Date bears to the number of days in such month. Thereafter, on or
before the first day of each succeeding calendar month, Lessee shall pay Lessor
in advance the Base Monthly Rental. The payments of the Base Monthly Rental
shall be made to such account or accounts as Lessor shall designate to Lessee
from time to time.

SCS Finance II, L.P.

                                       8

<PAGE>

      B. All sums of money required to be paid by Lessee under this Lease which
are not specifically referred to as rent ("Additional Rental") shall be
considered rent although not specifically designated as such. Lessor shall have
the same remedies for nonpayment of Additional Rental as those provided herein
for the nonpayment of Base Annual Rental.

      6. REPRESENTATIONS AND WARRANTIES OF LESSEE. The representations and
warranties of Lessee contained in this Section are being made to induce Lessor
to enter into this Lease and Lessor has relied, and will continue to rely, upon
such representations and warranties. Lessee represents and warrants to Lessor as
of the Effective Date as follows:

      A. Organization, Authority and Status. (i) Each of the Lessee Parties
(other than individuals), as applicable, is duly organized or formed, validly
existing and in good standing under the laws of its state of incorporation or
formation. Lessee is qualified as a foreign corporation, partnership or limited
liability company, as applicable, to do business in each state where the
Properties are located, and each of the Lessee Parties is qualified as a foreign
corporation, partnership or limited liability company, as applicable, to do
business in any other jurisdiction where the failure to be qualified would
reasonably be expected to result in a Material Adverse Effect. All necessary
action has been taken to authorize the execution, delivery and performance by
Lessee of this Lease and of the other documents, instruments and agreements
provided for herein. Lessee is not a "foreign corporation", "foreign
partnership", "foreign trust", "foreign limited liability company" or "foreign
estate", as those terms are defined in the Internal Revenue Code and the
regulations promulgated thereunder. Lessee's U.S. Federal Tax Identification
number, Organization Identification number and principal place of business are
correctly set forth on the signature page of this Lease. The person(s) who have
executed this Lease on behalf of Lessee are duly authorized to do so. None of
the Lessee Parties, and no individual or entity owing directly or indirectly any
interest in any of the Lessee Parties, is an individual or entity whose property
or interests are subject to being "blocked" under any of the Terrorism Laws or
who is otherwise in violation of any of the Terrorism Laws.

      B. Enforceability. Upon execution by Lessee, this Lease shall constitute
the legal, valid and binding obligation of Lessee, enforceable against Lessee in
accordance with its terms, except as such enforceability may be limited by
applicable bankruptcy, insolvency, liquidation, fraudulent conveyance,
fraudulent transfer, reorganization and other laws affecting the rights of
creditors generally and general principles of equity.

      C. Litigation. Except as set forth in Schedule I hereof, there are no
suits, actions, proceedings or investigations pending, or, to its actual
knowledge, threatened against or involving the Lessee Parties or any of the
Properties or Equipment before any arbitrator or Governmental Authority, except
for such suits, actions, proceedings or investigations which, individually or in
the aggregate, have not had, and would not reasonably be expected to result in,
a Material Adverse Effect.

      D. Absence of Breaches or Defaults. The Lessee Parties are not, and the
authorization, execution, delivery and performance of this Lease and the
documents, instruments and agreements provided for herein will not result in,
any breach or default under any Premises Lease or any other document, instrument
or agreement to which any of the Lessee Parties is a party or by which any of
the Lessee Parties, any of the Properties or any of the property of any of the
Lessee Parties is subject or bound, except for such breaches or defaults which,
individually or in the aggregate, have not had, and could not reasonably be
expected to result in, a Material Adverse Effect. The authorization, execution,
delivery and performance of this Lease and the documents, instruments and
agreements provided for herein will not violate any applicable law, statute,
regulation, rule, ordinance, code or order. None of the Properties are subject
to any right of first refusal, right of first offer or option to purchase or
lease granted to a third party. Lessee has not assigned, transferred, mortgaged,
hypothecated or otherwise encumbered this Lease or any rights hereunder or
interest herein.

      E. Liabilities of Lessor. Lessee is not liable for any indebtedness for
money borrowed by Lessor and has not guaranteed any of the debts or obligations
of Lessor.

      F. Licenses and Permits; Access. All required licenses and permits, both
governmental and private, to use and operate each of the Properties and the
Equipment Premises as a Permitted Concept are in full force and effect, except
for such licenses and permits the failure of which to obtain has not had, and
could not reasonably be expected to result in, a Material Adverse Effect.
Adequate rights of access to public roads and ways are available to

SCS Finance II, L.P.

                                       9

<PAGE>

each of the Properties for unrestricted ingress and egress and otherwise to
permit utilization of each of the Properties for their intended purposes, and
all such public roads and ways have been completed and dedicated to public use.

      G. Condition of Properties. Each of the Properties and Equipment, is in
good condition and repair and well maintained, ordinary wear and tear excepted.
The Properties are fully equipped and operational, free from known structural
defects, safe and properly lighted.

      H. Utilities. Adequate public utilities are available at each of the
Properties to permit utilization of each of the Properties as a Permitted
Concept and all utility connection fees and use charges will have been paid in
full, prior to delinquency.

      I. Area Development; Wetlands. No condemnation or eminent domain
proceedings affecting any of the Properties have been commenced or, to Lessee's
actual knowledge, are contemplated. None of the Properties and, to Lessee's
actual knowledge, none of the real property bordering any of the Properties are
designated by any Governmental Authority as a wetlands.

      J. Financial Information. Lessee has delivered to Lessor and Lender
certain financial statements and other information concerning the Lessee Parties
in connection with this Lease (collectively, the "Financial Information"). The
Financial Information is true, correct and complete in all material respects;
there have been no amendments to the Financial Information since the date such
Financial Information was prepared or delivered to Lessor. Lessee understands
that Lessor is relying upon the Financial Information and Lessee represents that
such reliance is reasonable. All financial statements included in the Financial
Information were prepared in accordance with GAAP and fairly present as of the
date of such financial statements the financial condition of each individual or
entity to which they pertain. No change has occurred with respect to the
financial condition of any of the Lessee Parties and/or the Properties as
reflected in the Financial Information which has not been disclosed in writing
to Lessor that has had, or could reasonably be expected to result in, a Material
Adverse Effect.

      K. Zoning; Compliance With Laws. Each of the Properties is in compliance
with all applicable zoning requirements, and the use of each of the Properties
as a Permitted Concept does not constitute a nonconforming use under applicable
zoning requirements, except where such noncompliance would not have a Material
Adverse Effect. The Lessee Parties, the Properties, the Equipment Premises and
Equipment are in compliance with all Applicable Regulations except for such
noncompliance which has not had, and would not reasonably be expected to result
in, a Material Adverse Effect.

      L. Environmental. Except as disclosed in the Questionnaires as amended and
supplemented through the date of Closing:

      (1) None of the Properties nor any of the Lessee Parties are in violation
of, or subject to, any pending or, to Lessee's actual knowledge, threatened
investigation or inquiry by any Governmental Authority or to any remedial
obligations under any Environmental Laws which violation, investigation or
inquiry would have a Material Adverse Effect, and this representation and
warranty would continue to be true and correct following disclosure to the
applicable Governmental Authorities of all relevant facts, conditions and
circumstances, if any, pertaining to any of the Properties;

      (2) All permits, licenses or similar authorizations required to construct,
occupy, operate or use any buildings, improvements, fixtures and Equipment
forming a part of or located at any of the Properties by reason of any
Environmental Laws have been obtained, or are pending, and Borrower has no
reason to believe that such permits, licenses or similar authorizations that are
pending will not be issued in due course, except where such failure to obtain
any permit, license or authorization would not have a Material Adverse Effect;

      (3) Since the initial acquisition by and during the ownership and/or
occupancy of the Properties by Lessee, and to Lessee's knowledge prior to such
acquisition and ownership, no Hazardous Materials have been used, handled,
manufactured, generated, produced, stored, treated, processed, transferred,
disposed of or otherwise Released in, on, under, from or about any of the
Properties, except in Permitted Amounts;

SCS Finance II, L.P.

                                       10

<PAGE>

      (4) None of the Properties contain Hazardous Materials, except in
Permitted Amounts, and all USTs located on or about the Properties or which
constitute any portion of the Equipment, if any, are in full compliance with all
Environmental Laws, except where such noncompliance would not have a Material
Adverse Effect;

      (5) To Borrower's knowledge, there is no threat of any Release migrating
to any of the Properties in excess of Permitted Amounts;

      (6) Since the initial acquisition by and during the ownership and/or
occupancy of the Properties by Lessor, Lessee, and to Lessee's knowledge prior
to such acquisition and ownership there is no past or present non-compliance
with Environmental Laws, or with permits issued pursuant thereto, in connection
with any of the Properties, except where such noncompliance would not have a
Material Adverse Effect;

      (7) None of the Lessee Parties has received any written notice or other
communication from any person or entity (including but not limited to a
Governmental Authority) relating to any Release of Hazardous Materials in excess
of Permitted Amounts, or USTs or Remediation thereof, possible liability of any
person or entity pursuant to any Environmental Law, other Environmental
Conditions in connection with any of the Properties or Equipment, or any actual
or potential administrative or judicial proceedings in connection with any of
the foregoing;

      (8) All information known to any of the Lessee Parties or contained in the
files of any of the Lessee Parties relating to any existing Environmental
Condition or Releases of Hazardous Materials in, on, under or from any of the
Properties, other than in Permitted Amounts, has been provided to Lessor,
including, without limitation, information relating to all prior Remediation;

      (9) All of the Properties are free and clear of all liens and other
encumbrances imposed pursuant to any Environmental Law (the "Environmental
Liens"); and none of the Lessee Parties has allowed any tenant or other user of
any of the Properties or Equipment to do any act on the Properties or Equipment
Premises that materially increased the dangers to human health or the
environment, posed an unreasonable risk of harm to any person or entity (whether
that person or entity on or off any of the Properties), impaired the value of
any of the Properties or Equipment in any material respect, is contrary to any
requirement of any insurer, constituted a public or private nuisance, or
violated any covenant, condition, agreement or easement applicable to any of the
Properties, except where such violation did not have a Material Adverse Effect
on the Premises; and

      (10) The information and disclosures in the Questionnaires, as amended or
supplemented through the date of Closing, are true, correct and complete in all
material respects, and the person or persons executing the Questionnaires and
any amendments or supplements thereto were duly authorized to do so; and

      (11) Each of the Lessee Parties is in compliance with the requirements of
40 C.F.R. Section 280 Subpart H - Financial Responsibility (or equivalent state
law or regulation) with respect to all petroleum underground storage tanks or
storage tank systems (as those terms are defined under 40 C.F.R. Section 280.12
or equivalent state law or regulation) owned or operated by any of the Lessee
Parties or located on any of the Properties, except where such noncompliance
would not have a Material Adverse Effect.

      M. No Mechanics' Liens. There are no delinquent accounts payable or
mechanics' liens in favor of any materialman, laborer, or any other person or
entity in connection with labor or materials furnished to or performed on any
portion of the Properties; and no work has been performed or is in progress nor
have materials been supplied to the Properties or agreements entered into for
work to be performed or materials to be supplied to the Properties prior to the
Effective Date, which will be delinquent on the Effective Date.

      N. Title to Personal Property. Lessee is the owner of all Personal
Property, free and clear of all liens, encumbrances, charges and security
interests of any nature whatsoever, except the liens created by the Lease, and
no Affiliate of Lessee owns any of the Personal Property. Upon the execution and
delivery of this Lease, Lessor shall have a first priority lien upon and
security interest in all Personal Property, which lien and security interest
shall secure the payment by Lessee of the Rents that become due and payable to
Lessor pursuant to this Lease and the performance by Lessee of its other
agreements, covenants and obligations arising under this Lease.

SCS Finance II, L.P.

                                       11

<PAGE>

      O. Distributor Provisions. Lessee has delivered to Lessor a true, correct
and complete copy of the Distributor Agreement. The Distributor Agreement is the
only agreement in effect with Distributor with respect to the Properties. The
Distributor Agreement is in full force and effect and constitutes the legal,
valid and binding obligations of the parties to the Distributor Agreement,
enforceable in accordance with its terms, except as such enforceability may be
limited by applicable bankruptcy, insolvency, liquidation, reorganization and
other laws affecting the rights of creditors generally and general principles of
equity. None of the Lessee Parties has assigned, transferred, mortgaged,
hypothecated or otherwise encumbered the Distributor Agreement or any rights
thereunder or any interest therein, and none of the Lessee Parties has received
any notice that the Distributor has made any assignment, pledge or hypothecation
of all or any part of its rights or interest in the Distributor Agreement. No
notice of default from Distributor has been received under the Distributor
Agreement which has not been cured and no notice of default to Distributor has
been given under the Distributor Agreement which has not been cured. No event
has occurred and no condition exists which, with the giving of notice or the
lapse of time or both, would constitute a default under the Distributor
Agreement. At the request of Lessor, Lessee shall deliver to Lessor a
certificate from Distributor in a form and substance acceptable to Lessor, which
provided that the Distributor Agreement is valid, binding and in full force and
effect and no events have occurred which could constitute a default thereunder.

      P. Premises Leases. The Premises Leases are in full force and effect and
represent the legal, valid and binding obligations of the parties thereto, in
accordance with the respective terms of each Premises Lease. No default exists
under any of the Premises Leases. Lessee's use of the Equipment Premises and
Leasehold Equipment thereon is in compliance with the Premises Leases.

      Q. Guaranty. Lessee has delivered to Lessor the executed Guaranty. The
Guaranty is in full force and effect and constitutes the legal, valid and
binding obligation of Guarantor with respect to this Lease, except as such may
be limited by applicable bankruptcy, insolvency, liquidation, fraudulent
conveyance, fraudulent transfer, reorganization and other laws affecting the
right of creditors generally or general principles of equity.

      7. NONCONSOLIDATION; TRANSFER, PARTICIPATION AND SECURITIZATION; PREMISES
LEASES; COMPLIANCE CERTIFICATES. Lessee covenants to Lessor for so long as this
Lease is in effect as follows:

      A. Nonconsolidation Covenants. (i) The annual financial statements of
Lessee, including consolidated financial statements, if any, shall contain notes
stating that (a) all of Lessor's assets are owned by Lessor and (b) Lessor is a
separate entity with its own separate creditors which will be entitled to be
satisfied out of Lessor's assets.

      (ii) Lessee will not assume liability for any indebtedness for money
borrowed by Lessor and does not, and will not, guarantee any of the debts or
obligations of Lessor. Lessee will not hold itself out as being liable for any
obligations or indebtedness of Lessor.

      (iii) Lessee shall not and shall use its best efforts to cause its
Affiliates not to hold Lessor out to the public or to any individual creditors
as being a unified entity with assets and liabilities in common with Lessee
except that Lessor may be included in Lessee's or its Affiliates' reports under
the Securities Exchange Act of 1934, as amended, and its and their consolidated
financial statements, as appropriate, provided such statements adequately
disclose the separate legal existence of Lessor, the separate ownership by
Lessor of the Properties and Equipment and the separate liabilities of Lessor.

      (iv) Lessee shall conduct its business so as not to mislead others as to
the separate identity of Lessor, and particularly will avoid the appearance of
conducting business on behalf of Lessor. Without limiting the generality of the
foregoing, no oral and written communications of Lessee, including, without
limitation, letters, invoices, purchase orders, contracts, statements and loan
applications, will be made in the name of Lessor which to the extent that to do
otherwise would materially bear upon the maintenance of Lessor's separate
identity.

      (v) Lessee will not act in Lessor's name.

SCS Finance II, L.P.

                                       12

<PAGE>

      (vi) Where necessary and appropriate, Lessee shall disclose the
independent business status of Lessor to creditors of Lessee, if any.

      (vii) The resolutions, agreements and other instruments of Lessee, if any,
underlying the transactions described in this Lease will be maintained by
Lessee.

      (viii) All transactions between Lessee and Lessor will be no less fair to
each party than they could obtain on an arm's-length basis.

      (ix) The books, records and accounts of Lessee shall at all times be
maintained in a manner permitting the assets and liabilities of Lessor to be
easily separated and readily ascertained from those of Lessee.

      (x) Lessee will not direct, or otherwise control, the ongoing business
decisions of Lessor.

      (xi) Lessee will not file or cause to be filed a voluntary or involuntary
petition in bankruptcy on behalf of or against Lessor, nor seek substantive
consolidation of the assets and liabilities of Lessor and Lessee in any
bankruptcy or insolvency proceeding during the Lease Term and for a period of 91
days after the Lease Term.

      B. Transfer, Participation and/or Securitization Covenants. (i) Lessee
agrees to cooperate in good faith with Lessor and Lender in connection with any
Transfer, Participation and/or Securitization of any of the Notes, Equipment
Notes, Mortgages, Equipment Loan Documents and/or any of the Loan Documents, or
any or all servicing rights with respect thereto, including, without limitation,
(X) providing such documents, financial and other data, and other information
and materials (the "Disclosures") which would typically be required with respect
to the Lessee Parties by a purchaser, transferee, assignee, servicer,
participant, investor or rating agency involved with respect to such Transfer,
Participation and/or Securitization, as applicable; provided, however, the
Lessee Parties shall not be required to make Disclosures of any confidential
information or any information which has not previously been made public unless
required by applicable federal or state securities laws; and (Y) amending the
terms of this Lease to the extent necessary so as to satisfy the requirements of
purchasers, transferees, assignees, servicers, participants, investors or
selected rating agencies involved in any such Transfer, Participation or
Securitization, so long as such amendments would not have a material adverse
effect upon either of the Lessee Parties or the transactions contemplated by
this Lease and no amendment would result in any additional obligation of Lessee
or increase in the amount of any payment that Lessee is required to make
pursuant to this Lease. Lessor shall be responsible for causing Lender to
prepare at Lender's expense any documents evidencing the amendments referred to
in the preceding subitem (Y).

      (ii) Lessee consents to Lessor and Lender providing the Disclosures, as
well as any other information which Lessor and Lender may now have or hereafter
acquire with respect to the Properties or Equipment or the financial condition
of the Lessee Parties to each purchaser, transferee, assignee, servicer,
participant, investor or rating agency involved with respect to such Transfer,
Participation and/or Securitization, as applicable. Lessee shall pay its own
attorney fees and other out-of-pocket expenses incurred in connection with the
performance of its obligations under this Section 7.B but shall not be required
to incur in any event any such fees and expenses that with related fees and
expenses of Lessor would in the aggregate exceed $10,000 in connection with any
and all such Transfers, Participations and/or Securitizations unless Lender
shall agree to reimburse Lessee and Lessor for any amounts expended by them in
excess of $10,000 in the aggregate.

      C. Covenants Regarding Premises Leases. Lessee covenants and agrees to
perform each and every covenant, obligation and duty of Lessee arising under and
in connection with the Premises Leases during the term of this Master Lease. No
Premises Lease shall be amended, modified, terminated or otherwise altered
during the term of this Master Lease.

      D. Compliance Certificate. Within 60 days after the end of each fiscal
year of Lessee, Lessee shall deliver a compliance certificate to Lessor, in a
form to be provided by Lessor, in order to establish that Lessee is in
compliance in all material respects with all of its obligations, duties and
covenants under this Lease.

SCS Finance II, L.P.

                                       13

<PAGE>

      8. RENTALS TO BE NET TO LESSOR. The Base Annual Rental payable hereunder
shall be net to Lessor, so that this Lease shall yield to Lessor the rentals
specified during the Lease Term, and that, except as may be otherwise expressly
provided herein, all costs, expenses and obligations of every kind and nature
whatsoever relating to the Properties and/or Equipment shall be performed and
paid by Lessee.

      9. TAXES AND ASSESSMENTS. Lessee shall pay, prior to the earlier of
delinquency or the accrual of interest on the unpaid balance, all taxes and
assessments of every type or nature assessed against, imposed upon or arising
with respect to any of the Properties and Equipment, this Lease, the rental or
other payments due under this Lease or Lessee during the Lease Term which affect
in any manner the net return realized by Lessor under this Lease, including,
without limitation, the following:

      A. All taxes and assessments upon any of the Properties and Equipment or
any part thereof and upon any Personal Property, whether belonging to Lessor or
Lessee, or any tax or charge levied in lieu of such taxes and assessments;

      B. All taxes, charges, license fees and or similar fees imposed by reason
of the use of any of the Properties or Equipment by Lessee; and

      C. All excise, transaction, privilege, license, sales, use and other taxes
upon the rental or other payments due under this Lease, the leasehold estate of
either party or the activities of either party pursuant to this Lease.

      Notwithstanding the foregoing, but without limiting the preceding
obligation of Lessee to pay all taxes which are imposed on the rental or other
payments due under this Lease, in no event will Lessee be required to pay any
income taxes (i.e., taxes which are based on the income of Lessor or determined
taking into account deductions for depreciation, interest, taxes and ordinary
and necessary business expenses) or franchise taxes (unless imposed in lieu of
other taxes that would otherwise be the obligation of Lessee under this Lease)
including, without limitation, any "gross receipts tax" or any similar tax based
upon gross income or receipts of Lessor which does not take into account
deductions from depreciation, interest, taxes and/or ordinary or necessary
business expenses, any transfer taxes of Lessor, or any tax imposed with respect
to the sale, exchange or other disposition by Lessor, in whole or in part, of
any of the Properties or Equipment or Lessor's interest in this Lease (other
than transfer or recordation taxes imposed in connection with the transfer of
any of the Properties or Equipment to Lessee or the termination of this Lease
pursuant to the provisions of this Lease).

      All taxing authorities shall be instructed to send all tax and assessment
invoices relating to the Properties, the Personal Property and the Equipment to
Lessee and, upon Lessor's or Lender's request, Lessee shall promptly provide
Lessor and Lender with copies of all tax and assessment invoices received by
Lessee. Upon request, Lessee shall also provide Lessor and Lender with evidence
that such invoices were paid in a timely fashion. Lessee may, at its own
expense, contest or cause to be contested, by appropriate legal proceedings
conducted in good faith and with due diligence, the amount or validity or
application, in whole or in part, of any item specified in this Section or lien
therefor, provided that (i) Lessee shall provide written notice to Lessor of any
contest involving more than $10,000.00, (ii) such proceeding shall suspend the
collection thereof from the applicable Properties or Equipment or any interest
therein, (iii) neither such Properties or Equipment nor any interest therein
would be in any danger of being sold, forfeited or lost by reason of such
proceedings, (iv) no Event of Default has occurred and is continuing, and (v)
Lessee shall have deposited with Lessor adequate reserves for the payment of the
taxes, together with all interest and penalties thereon, unless paid in full
under protest, or Lessee shall have furnished the security as may be required in
the proceeding or as may be required by Lessor to insure payment of any
contested taxes.

      10. UTILITIES. Lessee shall contract, in its own name, for and pay when
due all charges for the connection and use of water, gas, electricity,
telephone, garbage collection, sewer use and other utility services supplied to
the Properties during the Lease Term. Under no circumstances shall Lessor be
responsible for any interruption of any utility service.

      11. INSURANCE. Throughout the Lease Term, Lessee shall maintain with
respect to each of the Properties and Equipment related thereto, at its sole
expense, the following types and amounts of insurance (which may be included
under a blanket insurance policy if all the other terms hereof are satisfied):

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      A. Insurance against loss, damage or destruction by fire and other
casualty, including theft, vandalism and malicious mischief, flood (for each of
the Properties which is in a location designated by the Federal Emergency
Management Administration as a Special Flood Hazard Area), earthquake (for each
of the Properties which is in an area that has been subject to destructive
earthquakes during the period in which records relating to the occurrence of
earthquakes have been kept for the areas in which the Properties are located),
boiler explosion (for each of the Properties with a boiler), plate glass
breakage, sprinkler damage (for each of the Properties which has a sprinkler
system), all matters covered by a standard extended coverage endorsement,
special coverage endorsement commonly known as an "all-risk" endorsement and
such other risks as Lessor may reasonably require, insuring each of the
Properties and Equipment for not less than 100% of their full insurable
replacement cost.

      B. Commercial general liability and property damage insurance, including a
products liability clause, covering Lessor and Lessee against bodily injury
liability, property damage liability and automobile bodily injury and property
damage liability, including without limitation any liability arising out of the
ownership, maintenance, repair, condition or operation of the Properties or
Equipment or adjoining ways, streets or sidewalks and, if applicable, insurance
covering Lessor and Lessee against liability arising from the sale of liquor,
beer or wine on the Properties. Such insurance policy or policies shall contain
a broad form contractual liability endorsement under which the insurer agrees to
insure Lessee's obligations under Section 19 hereof to the extent insurable, and
a "severability of interest" clause or endorsement which precludes the insurer
from denying the claim of Lessee or Lessor because of the negligence or other
acts of the other, shall be in amounts of not less than $1,000,000.00 per injury
and occurrence with respect to any insured liability, whether for personal
injury or property damage, or such higher limits as Lessor may reasonably
require from time to time consistent with insurance limits required by Lender
for properties and borrowers similar to the Premises and Lessor, at the time the
requirement is imposed, and shall be of form and substance satisfactory to
Lessor.

      C. Reserved.

      D. State Worker's Compensation insurance in the statutorily mandated
limits, employer's liability insurance with limits not less than those limits as
may be necessary to comply with applicable laws.

      E. Such other insurance as may from time to time be reasonably required by
Lessor or Lender in order to protect their respective interests with respect to
the Properties and Equipment consistent with insurance coverages required by
Lender for properties and borrowers similar to the Premises and Lessor at the
time the insurance is required.

      All insurance policies shall:

      (i) Provide for a waiver of subrogation by the insurer as to claims
against Lessor, Lender and their respective employees and agents and provide
that such insurance cannot be unreasonably cancelled, invalidated or suspended
on account of the conduct of Lessee, its officers, directors, employees or
agents;

      (ii) Provide that any "no other insurance" clause in the insurance policy
shall exclude any policies of insurance separately maintained by Lessor or
Lender and that the insurance policy obtained by Lessee pursuant to this Section
11 shall not be brought into contribution with insurance maintained by Lessor or
Lender;

      (iii) Contain a standard without contribution mortgagee clause endorsement
in favor of Lender and its successors and assigns as their interests may appear
and any other party designated by Lessor;

      (iv) Provide that the policy of insurance shall not be terminated,
cancelled or substantially modified without at least thirty (30) days' prior
written notice to Lessor, Lender and to any other party covered by any standard
mortgage clause endorsement;

      (v) Provide that the insurer shall not have the option to restore the
applicable Properties and Equipment if Lessor or Lessee elects to terminate this
Lease in accordance with the terms hereof;

SCS Finance II, L.P.

                                       15

<PAGE>

      (vi) Be issued by the Kemper Group of insurance companies or insurance
companies licensed to do business in the states in which the Properties are
located and which are rated A:VI or better by Best's Insurance Guide or are
otherwise approved by Lessor; and

      (vii) Provide that the insurer shall not deny a claim because of the
negligence of Lessee, anyone acting for Lessee or any tenant or other occupant
of any of the Properties.

      It is expressly understood and agreed that the foregoing minimum limits of
insurance coverage shall not limit the liability of Lessee for its acts or
omissions as provided in this Lease. All liability insurance policies (with the
exception of worker's compensation insurance to the extent not available under
statutory law), shall designate Lessor and Lender and their respective
successors and assigns as additional insureds as their interests may appear and
shall be payable as set forth in Section 21 hereof. All such policies shall be
written as primary policies, with deductibles not to exceed 10% of the amount of
coverage. Any other policies, including any policy now or hereafter carried by
Lessor or Lender, shall serve as excess coverage. Lessee shall procure policies
for all insurance for periods of not less than one year and shall provide to
Lessor and Lender certificates of insurance or, upon the request of Lessor or
Lender, duplicate originals of insurance policies evidencing that insurance
satisfying the requirements of this Lease is in effect at all times. In the
event of any transfer by Lessor of Lessor's interest in any of the Properties or
Equipment or any financing or refinancing of Lessor's interest in any of the
Properties or Equipment, Lessee shall, upon not less than ten (10) days' prior
written notice, deliver to Lessor or any Lender providing such financing or
refinancing, as the case may be, certificates of all insurance required to be
maintained by Lessee hereunder naming such transferee or such Lender, as the
case may be, as an additional named insured to the extent required herein
effective as of the date of such transfer, financing or refinancing.

      As an alternative to maintaining all of the insurance required under this
Section 11 with third party insurers, Lessee may elect to self-insure for a
portion of the required coverages pursuant to a self-insurance program, provided
that (i) the total amount of self-insurance provided by Lessee with respect to
each policy of insurance required to be maintained by Lessee hereunder shall not
exceed the lesser of (A) 10% of Lessee's Net Worth (as defined hereafter) or (B)
$1,000,000.00, and (ii) Lessee maintains a Net Worth (as defined hereafter)
equal to at least $10,000,000.00; provided, that Lessee shall at all times
provide the remaining portion of the coverages set forth in this Section 11 with
third party insurers complying with the provisions of this Section 11. The
amount of all deductibles with respect to such third party policies shall not,
however, exceed in the aggregate, when added to the amount of self-insurance,
the per policy limitation on self-insurance provided in the preceding sentence.
For purposes hereof, the term "Net Worth" means the total equity in Lessee,
determined in accordance with GAAP as of the month end occurring immediately
prior to the date of determination.

      12. TAX AND INSURANCE IMPOUND. Upon the occurrence of an Event of Default,
Lessor may require Lessee to pay to Lessor sums which will provide an impound
account (which shall not be deemed a trust fund) for paying up to the next one
year of taxes, assessments and/or insurance premiums for each of the Properties
and Equipment. Upon such requirement, Lessor will estimate the amounts needed
for such purposes and will notify Lessee to pay the same to Lessor in equal
monthly installments, as nearly as practicable, in addition to all other sums
due under this Lease. Should additional funds be required at any time, Lessee
shall pay the same to Lessor on demand. Lessee shall advise Lessor of all taxes
and insurance bills which are due and shall cooperate fully with Lessor in
assuring that the same are paid. Lessor may deposit all impounded funds in
accounts insured by any federal or state agency and may commingle such funds
with other funds and accounts of Lessor. Interest or other gains from such
funds, if any, shall be the sole property of Lessee. Upon receipt from Lessee of
evidence of the amount of taxes, assessments and/or insurance premiums owing
from time to time, Lessor shall apply the amounts so held to the payment of such
taxes, assessments and/or insurance premiums for which such amounts are held in
such impound account. If an Event of Default shall occur subsequent to Lessor
requiring the establishment of an impound account pursuant to this Section,
Lessor may apply all impounded funds against any sums due from Lessee to Lessor.
Lessor shall give to Lessee an annual accounting showing all credits and debits
to and from such impounded funds received from Lessee.

      13. PAYMENT OF RENTAL AND OTHER SUMS. All rental and other sums which
Lessee is required to pay hereunder shall be the unconditional obligation of
Lessee and shall be payable in full when due without any setoff, abatement,
deferment, deduction or counterclaim whatsoever. Upon execution of this Lease,
Lessee shall authorize Lessor to establish arrangements whereby payments of the
Base Monthly Rental and impound payments, if any, are

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<PAGE>

transferred by Automated Clearing House Debit initiated by Lessor or its
designee directly from Lessee's bank account to such account as Lessor may
designate or as Lessor may otherwise designate; provided, however, upon notice
from Lender to Lessee and Lessor delivered in the manner set forth in Section
29, Lessee shall deliver all payments of Base Monthly Rental as specified in
such notice from Lender. Any delinquent payment (that is, any payment not made
within five calendar days after the date when due) shall, in addition to any
other remedy of Lessor, incur a late charge of 5% (which late charge is intended
to compensate Lessor for the cost of handling and processing such delinquent
payment and should not be considered interest) and bear interest at the Default
Rate, such interest to be computed from and including the date such payment was
due through and including the date of the payment; provided, however, in no
event shall Lessee be obligated to pay a sum of late charge and interest higher
than the maximum legal rate then in effect.

      14. USE. A. Except as set forth below, each of the Properties, the
Equipment Premises and Equipment shall be used solely for the operation of a
Permitted Concept, and for no other purpose. Lessor and Lessee agree that the
operation of the Properties and the Equipment Premises as Permitted Concepts
shall permit Lessee to operate or cease to operate, or shall permit Lessee to
grant to third parties the right to operate or cease to operate, in the
convenience stores located on one or more of the Properties and the Equipment
Premises, kiosks, stands, counters, or other facilities relating to the sale of
food, drinks, confections and other goods and services, not including the sale
of gasoline ("Additional Concepts") so long as the Additional Concepts are
operated in a manner consistent with the requirements of this Lease and the
rights of third parties to operate within the Properties or Equipment Premises
are subordinate to this Lease. Lessee may locate, use and operate and allow
third parties to locate, use and operate equipment, machinery, furniture and
signage on one or more of the Properties and Equipment Premises in connection
with the operation of the Additional Concepts, in a manner consistent with the
requirements of this Lease.

      B. Lessee shall occupy the Properties and Equipment Premises and use the
Equipment related thereto commencing on the Effective Date and, except as set
forth below and except during periods when any of the Properties or Equipment
Premises is untenantable by reason of fire or other casualty or condemnation
(provided, however, during all such periods while any of the Properties is
untenantable, Lessee shall strictly comply with the terms and conditions of
Section 21 of this Lease), Lessee shall at all times during the Lease Term
occupy each of the Properties and Equipment Premises and diligently operate its
business on each of the Properties. Lessee may cease diligent operation of
business at any of the Properties and Equipment Premises for a period not to
exceed 90 days and may do so only once with respect to each Property or
Equipment Premises within any five-year period during the Lease Term. If Lessee
does discontinue operation as permitted by this Section, Lessee shall (i) give
written notice to Lessor within 10 days after Lessee elects to cease operation,
(ii) provide adequate protection and maintenance of any such Properties or
Equipment Premises during any period of vacancy, (iii) comply with all
Applicable Regulations and otherwise comply with the terms and conditions of
this Lease other than the continuous use covenant set forth in this Section, and
(iv) pay all costs necessary to restore such Properties or Equipment Premises to
their condition on the day operation of the business ceased at such time as such
Properties are reopened for Lessee's business operations or other substituted
use approved by Lessor as contemplated below. Notwithstanding anything herein to
the contrary, Lessee shall pay the Base Monthly Rental on the first day of each
month during any period in which Lessee discontinues operation.

      C. Except as set forth below, Lessee shall not, by itself or through any
assignment, sublease or other type of transfer, convert any of the Properties or
Equipment to an alternative use during the Lease Term without Lessor's consent,
which consent shall not be unreasonably withheld, conditioned or delayed. Lessor
may consider any or all of the following in determining whether to grant its
consent, without being deemed to be unreasonable: (i) whether the rental paid to
Lessor would be equal to or greater than the anticipated rental assuming
continued existing use, (ii) whether the proposed rental to be paid to Lessor is
reasonable considering the converted use of the Properties, Equipment Premises
and/or Equipment and the customary rental prevailing in the community for such
use, (iii) whether the converted use will be consistent with the highest and
best use of the Properties, Equipment Premises and/or Equipment, and (iv)
whether the converted use will increase Lessor's risks or decrease the value of
the Properties, Equipment Premises and/or Equipment. Notwithstanding the
foregoing, Lessee may sublease or license to a third party the right to use
space at any of the Properties or Equipment Premises not in excess of 10% of the
usable square footage in the building constituting the store at any such
Property or Equipment Premises without the consent of Lessor or Lender if (i)
the sole purpose of such sublease or license is to permit the operation of an
Additional Concept in such subleased or licensed space, (ii) such sublease or
license is expressly subordinate to this

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                                       17

<PAGE>

Lease and to the lien of the applicable Mortgage, (iii) the term of such
sublease or license shall not extend beyond the Lease Term, and (iv) Lessee
provides Lessor with a copy of any sublease or license at a Property or
Equipment Premises.

      15. COMPLIANCE WITH LAWS GENERALLY. A. Lessee's use and occupation of each
of the Properties and Equipment, and the condition thereof, shall, at Lessee's
sole cost and expense, comply with all Applicable Regulations now or hereafter
in effect and all restrictions, covenants and encumbrances of record with
respect to each of the Properties and Equipment. In addition, the Lessee Parties
shall comply with all Applicable Regulations now or hereafter in effect. Without
limiting the generality of the other provisions of this Section, Lessee shall
comply with the ADA, and all regulations promulgated thereunder, as it affects
each of the Properties and Equipment.

      B. Lessee will not permit any act or condition to exist on or about any of
the Properties or Equipment Premises which will increase any insurance rate on
the Properties or Equipment except when such acts are required in the normal
course of its business and Lessee shall pay for such increase.

      16. COMPLIANCE WITH ENVIRONMENTAL LAWS. Lessee covenants to Lessor and
Environmental Insurer for so long as this Lease is in effect that:

      (1) The Properties, Equipment, the Lessee Parties and any other operator
or user of any of the Properties and/or Equipment shall not be in violation of
any Environmental Laws, except where such violation will not have a Material
Adverse Effect.

      (2) All uses and operations on or of each of the Properties and the
Equipment, whether by Lessee or any other person or entity, shall be in
compliance with all Environmental Laws and permits issued pursuant thereto,
except where such noncompliance will not have a Material Adverse Effect.

      (3) There shall be no Releases or Hazardous Materials in, on, under or
from any of the Properties, except in Permitted Amounts or where Release or
Hazardous Materials will not result in a Material Adverse Effect and Borrower
shall promptly commence and complete any required Remediation in accordance with
this Agreement.

      (4) Lessee shall keep each of the Properties and Equipment, or cause each
of the Properties and Equipment to be kept, free and clear of all Environmental
Liens.

      (5) Lessee shall not do or allow any tenant or other user of any of the
Properties and Equipment to do any act that (a) materially increases the dangers
to human health or the environment, (b) poses an unreasonable risk of harm to
any person or entity (whether on or off any of the Properties), (c) may have a
Material Adverse Effect, (d) is contrary to any requirement of any insurer
(other than those of the Environmental Insurer except to the extent Lessee is
notified of those requirements) necessary to permit insurance required to be
maintained on the Properties to be maintained in full, (e) constitutes a public
or private nuisance, or (f) violates any covenant, condition, agreement or
easement applicable to any of the Properties if such violation would have a
Material Adverse Effect.

      (6) Lessee shall promptly notify Lessor in writing upon Lessee obtaining
actual knowledge of:

            (a) any Releases or Threatened Releases in, on, under, from or
      migrating towards any of the Properties, in excess of Permitted Amounts,
      including, without limitation, the presence on or under any of the
      Properties, or the escape, seepage, leakage, spillage, discharge, emission
      or release from any USTs on, above or under any of the Properties, of any
      Hazardous Materials, apparent or real, in excess of Permitted Amounts;

            (b) any non-compliance with any Environmental Laws related in any
      way to any of the Properties or Equipment;

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            (c) any Environmental Lien or any act or omission which could
      reasonably be expected to result in the imposition of an Environmental
      Lien;

            (d) any required or proposed Environmental Compliance Activities or
      Remediation of environmental conditions relating to any of the Properties,
      including, without limitation, any and all enforcement, clean-up,
      remedial, removal or other governmental or regulatory actions threatened,
      instituted or completed pursuant to any of the Environmental Laws
      affecting any of the Properties;

            (e) any written notice or other communication of which any of the
      Lessee Parties becomes aware from any credible source whatsoever
      (including but not limited to a Governmental Authority) relating in any
      way to the presence of Hazardous Materials at the Properties in excess of
      Permitted Amounts, the Release of Hazardous Material from or adjacent to
      the Properties, including from USTs located thereon, or Remediation
      thereof, noncompliance with any Environmental Law or possible liability of
      any Person pursuant to any Environmental Law with respect to the
      Properties, other Environmental Conditions, in each case in connection
      with any of the Properties, or any actual or threatened administrative or
      judicial proceedings in connection with the Properties or Lessee; or

            (f) any investigation or inquiry initiated by any Governmental
      Authority relating to the Environmental Condition of any of the
      Properties.

      (7) Lessee shall:

            (a) perform any environmental site assessment or other investigation
      of environmental conditions in connection with any of the Properties as
      may be reasonably requested by Lessor (including but not limited to
      sampling, testing and analysis of soil, water, air, building materials and
      other materials and substances whether solid, liquid or gas), and share
      with Lessor and Environmental Insurer the reports and other results
      thereof, and Lessor, Environmental Insurer and other Indemnified Parties
      shall be entitled to rely on such reports and other results thereof; and

            (b) have the Properties inspected as may be required by any
      Environmental Laws for seepage, spillage and other environmental concerns.
      If any USTs are located at any of the Properties, Lessee shall maintain
      and monitor such USTs in accordance with all Environmental Laws. Lessee
      shall provide Lessor with written certified results of all inspections
      performed on any of the Properties. Subject to Section 16(9) below, all
      costs and expenses associated with the inspection, preparation and
      certification of results, as well as those associated with any corrective
      action, shall be paid by Lessee. All inspections and tests performed on
      any of the Properties pursuant to the requirements of Environmental Laws
      or relating in any manner to a possible Release of Hazardous Materials
      shall be conducted in compliance with all Environmental Laws.

      (8) Lessee shall, at its sole cost and expense, and without limiting the
rights of Lessor under any other provision of this Lease, including, without
limitation, subsection (12), comply with all reasonable written requests of
Lessor to:

            (a) reasonably effectuate Remediation of any Environmental Condition
      (including but not limited to a Release) in, on, under or from any of the
      Properties;

            (b) comply with any Environmental Law; and

            (c) comply with any directive from any Governmental Authority except
      to the extent Lessee is contesting any such directive in accordance with
      Applicable Regulations and in circumstances that do not result in any risk
      of the sale or forfeiture of the Properties subject to the directive or
      would not result in a Material Adverse Effect.

      (9) Lessor, Lender, Environmental Insurer and any other person or entity
designated by Lessor, including but not limited to any receiver, any
representative of a Governmental Authority, and any environmental

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<PAGE>

consultant, shall have the right, but not the obligation, to enter upon any of
the Properties during normal business hours after two Business Days' prior
notice or at any time in the event of an emergency or if an Event or Default has
occurred and is continuing (including without limitation in connection with any
Securitization, Participation or Transfer or in connection with a proposed sale
or conveyance of any of the Properties or a proposed financing or refinancing
secured by any of the Properties or in connection with the exercise of any
remedies set forth in this Lease, the Mortgages, or Equipment Loan Documents or
other Loan Documents, as applicable) to assess any and all aspects of the
environmental condition of any of the Properties and its use, including but not
limited to conducting any environmental assessment or audit (the scope of which
shall be determined in the sole and absolute discretion of the party conducting
the assessment) and taking samples of soil, groundwater or other water, air, or
building materials, and conducting other invasive testing so long as such
assessment or other action does not unreasonably interfere with the operation of
the Properties. Lessee shall cooperate with and provide access to Lessor,
Lender, Environmental Insurer and any other person or entity designated by
Lessor. Any assessment and investigation made pursuant to Section 16(7) or (9)
shall be at Lessee's sole cost and expense if, at the time such assessment or
investigation is undertaken, the party conducting the assessment or
investigation, has a reasonable basis for believing that a Release in excess of
Permitted Amounts has occurred at the Properties at which such inspection or
assessment takes place, or if Lessee is in breach of the covenant set forth in
Section 59, but Lessor has not declared an Event of Default, or if an Event of
Default has occurred and is continuing. Otherwise, any such assessment and
investigation shall be at the sole cost and expense of the party conducting such
assessment and investigation.

      (10) All Environmental Laws regarding USTs shall be complied with,
including, without limitation, any of such regulations or requirements which
impose (a) technical standards, including, without limitation, performance, leak
prevention, leak detection, notification reporting and record keeping, (b)
corrective action with respect to confirmed and suspected Releases, and (c)
financial responsibility for the payment of costs of corrective action and
compensation to third parties for injury and damage resulting from Releases.

      (11) Lessee shall satisfy the requirements for financial responsibility
set forth in 40 C.F.R. Section 280.93 Subpart H (or equivalent state law or
regulation). Lessee shall specifically designate Lessor (or at the direction of
Lessor, Lender) as the beneficiary of such insurance, guarantee, bond, letter of
credit or trust fund as is used to satisfy the obligations of 40 C.F.R. Section
280.93 (or equivalent state law or regulation) and to provide Lessor or its
designee with proof of that designation. In the event Lessee changes its method
of establishing financial responsibility under 40 C.F.R. Section 280.93 (or
equivalent state law or regulation), Lessee shall re-designate Lessor (or at the
direction of Lessor, Lender) as beneficiary under the new mechanism used to
establish compliance with 40 C.F.R. Section 280.93 (or equivalent state law or
regulation) and provide documentation of that fact to Lessor within 10 days of
that re-designation. In the event that any state that has not delegated UST
authority to the U.S. Environmental Protection Agency, has a law or regulation
that imposes less stringent requirements or financial assurance standards than
40 C.F.R. Section 280.93, Lessee shall nevertheless satisfy the requirements and
financial assurance standards of 40 C.F.R. Section 280.93. Lessee shall notify
Lessor and any provider of financial assurance issued pursuant to 40 C.F.R.
Section 280.93 Subpart H of any matter required to be reported by 40 C.F.R.
Section 280.93.

      (12) Upon any Release, escape, seepage, leakage, spillage, discharge,
emission or release from any USTs on, above or under any of the Properties of
any Hazardous Materials, Lessee shall promptly remedy such situation in
accordance with all Environmental Laws and any request of Lessor. Should Lessee
fail to remedy or cause the remedy of such situation in accordance with all
Environmental Laws, Lessor shall be permitted to take such actions in its sole
discretion to remedy such situation and any reasonable costs and expenses
incurred in connection therewith will be paid by Lessee.

      The obligations of Lessee and the rights and remedies of Lessor under this
Section shall survive the termination, expiration and/or release of this Lease.

      17. CONDITION OF PROPERTIES; MAINTENANCE. Lessee shall (i) maintain each
of the Properties and Equipment in good condition and repair, subject to
reasonable and ordinary wear and tear, free from actual or constructive waste,
(ii) operate, remodel, update and modernize each of the Properties and Equipment
in accordance with those standards of Lessee for similarly situated stores in
Lessee's system, with such remodeling and modernizing being undertaken
substantially in accordance with Lessee's system-wide timing schedules for such
activities, and (iii) pay all operating costs of the Properties and Equipment in
the ordinary course of business. Lessee shall at all times keep and maintain the
Equipment in good working order, repair and condition, ordinary

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                                       20

<PAGE>

wear and tear excepted, and will promptly replace any part thereof that from
time to time may become obsolete, badly worn or in a state of disrepair. Lessee
agrees that all such replacement Equipment shall be the property of Lessor, and
Lessee shall execute and deliver all instruments or documents as necessary to
insure that title is held in Lessor's name free and clear of all liens and
encumbrances. Lessee waives any right to (i) require Lessor to maintain, repair
or rebuild all or any part of any of the Properties or Equipment or (ii) make
repairs at the expense of Lessor, pursuant to any Applicable Regulations at any
time in effect.

      18. ALTERATIONS AND IMPROVEMENTS. Lessee shall not alter the exterior,
structural, plumbing or electrical elements of the Properties in any manner
without the consent of Lessor, which consent shall not be unreasonably withheld,
conditioned or delayed; provided, however, Lessee may, without Lessor's consent
(i) undertake nonstructural alterations to a Property costing less than
$100,000, (ii) make alterations to the exterior, structural, plumbing or
electrical elements of a Property in order to comply with Applicable
Regulations, to remedy conditions Lessee deems unsafe, to replace worn out
equipment or materials or to repair damages and (iii) make any alterations or
repairs or take any other actions necessary or advisable in connection with any
Environmental Compliance Activities or Remediation. For purposes of this Lease,
alterations to the exterior, structural, plumbing or electrical elements of any
of the Properties shall mean:

      (i) alterations which affect the foundation or "footprint" of the
improvements at the Properties;

      (ii) alterations which involve the structural elements of the improvements
at the Properties, such as a load-bearing wall, structural beams, columns,
supports or roof; or

      (iii) alterations which materially affect any of the building systems,
including, without limitation, the electrical systems, plumbing, HVAC and fire
and safety systems.

If Lessor's consent is required hereunder and Lessor consents to the making of
any such alterations, the same shall be made by Lessee at Lessee's sole expense
by a licensed contractor and according to plans and specifications reasonably
approved by Lessor and subject to such other conditions as Lessor shall require.
Any work at any time commenced by Lessee on any of the Properties shall be
prosecuted diligently to completion, shall be of good workmanship and materials
and shall comply fully with all the terms of this Lease. Upon completion of any
alterations, Lessee shall promptly provide Lessor with (i) evidence of full
payment to all laborers and materialmen contributing to the alterations, (ii) an
architect's certificate certifying the alterations to have been completed in
conformity with the plans and specifications, (iii) a certificate of occupancy
(if the alterations are of such a nature as would require the issuance of a
certificate of occupancy), and (iv) any other documents or information
reasonably requested by Lessor. Any addition to or alteration of any of the
Properties shall automatically be deemed a part of the Properties and belong to
Lessor, and Lessee shall execute and deliver to Lessor such instruments as
Lessor may require to evidence the ownership by Lessor of such addition or
alteration. Lessee shall execute and file or record, as appropriate, a "Notice
of Non-Responsibility," or any equivalent notice permitted under applicable law
in the states where the applicable Properties are located.

      19. INDEMNIFICATION. A. Lessee shall, at its sole cost and expense,
protect, defend, indemnify, release and hold harmless each of the Indemnified
Parties for, from and against any and all Losses (excluding Losses suffered by
an Indemnified Party arising out of the gross negligence or willful misconduct
of such Indemnified Party; provided, however, that the term "gross negligence"
shall not include gross negligence imputed as a matter of law to any of the
Indemnified Parties solely by reason of the Lessor's interest in any of the
Properties or Lessor's failure to act in respect of matters which are or were
the obligation of Lessee under this Lease) caused by, incurred or resulting from
Lessee's operations of or relating in any manner to any of the Properties or
Equipment, whether relating to their original design or construction, latent
defects, alteration, maintenance, use by Lessee or any person thereon,
supervision or otherwise, or from any breach of, default under, or failure to
perform, any term or provision of this Lease by Lessee, its officers, employees,
agents or other persons, or to which any Indemnified Party is subject because of
Lessor's interest in any of the Properties or Equipment including, without
limitation, Losses arising from (1) any accident, injury to or death of any
person or loss of or damage to property occurring in, on or about any of the
Properties or Equipment or portion thereof or on the adjoining sidewalks, curbs,
parking areas, streets or ways, (2) any use, non-use or condition in, on or
about, or possession, alteration, repair, operation, maintenance or management
of, any of the Properties or Equipment or any portion thereof or on the
adjoining sidewalks, curbs, parking areas, streets or ways, (3) any
representation or warranty made herein by Lessee, in any

SCS Finance II, L.P.

                                       21

<PAGE>

certificate delivered in connection herewith or in any other agreement to which
Lessee is a party or pursuant thereto being false or misleading in any material
respect as of the date of such representation or warranty was made, (4)
performance of any labor or services or the furnishing of any materials or other
property in respect to any of the Properties or Equipment or any portion
thereof, (5) any taxes, assessments or other charges which Lessee is required to
pay under Section 9, (6) any lien, encumbrance or claim arising on or against
any of the Properties or Equipment or any portion thereof under any Applicable
Regulation or otherwise which Lessee is obligated hereunder to remove and
discharge, or the failure to comply with any Applicable Regulation, (7) the
claims of any invitees, patrons, licensees or subtenants of all or any portion
of any of the Properties or any Person acting through or under Lessee or
otherwise acting under or as a consequence of this Lease or any sublease, (8)
any act or omission of Lessee or its agents, contractors, licensees, subtenants
or invitees, (9) any contest referred to in Section 9, and (10) the sale of
liquor, beer or wine on any of the Properties.

      B. Lessee shall, at its sole cost and expense, protect, defend, indemnify,
release and hold harmless each of the Indemnified Parties for, from and against
any and all Losses (excluding Losses suffered by an Indemnified Party directly
arising out of such Indemnified Party's gross negligence or willful misconduct;
provided, however, that the term "gross negligence" shall not include gross
negligence imputed as a matter of law to any of the Indemnified Parties solely
by reason of the Lessor's interest in any of the Properties or Equipment or
Lessor's failure to act in respect of matters which are or were the obligation
of Lessee under this Lease) and costs of Environmental Compliance Activities or
Remediation (whether or not performed voluntarily), engineers' fees,
environmental consultants' fees, and costs of investigation (including but not
limited to sampling, testing, and analysis of soil, water, air, building
materials and other materials and substances whether solid, liquid or gas)
imposed upon or incurred by or asserted against any Indemnified Parties, and
directly or indirectly arising out of or in any way relating to any one or more
of the following:

      (1) any presence of any Hazardous Materials or USTs in, on, above, or
under any of the Properties;

      (2) any past, present or Threatened Release in, on, above, under or from
any of the Properties;

      (3) any activity by Lessee, any person or entity affiliated with Lessee or
any tenant or other user of any of the Properties in connection with any actual,
proposed or threatened use, treatment, storage, holding, existence, disposition
or other Release, generation, production, manufacturing, processing, refining,
control, management, abatement, removal, handling, transfer or transportation to
or from any of the Properties of any Hazardous Materials or USTs at any time
located in, under, on or above any of the Properties;

      (4) any activity by Lessee, any person or entity affiliated with Lessee or
any tenant or other user of any of the Properties in connection with any actual
or proposed Remediation of any Hazardous Materials or USTs at any time located
in, under, on or above any of the Properties, whether or not such Remediation is
voluntary or pursuant to court or administrative order, including but not
limited to any removal, remedial or corrective action;

      (5) any past, present or threatened non-compliance or violations of any
Environmental Laws (or permits issued pursuant to any Environmental Law) in
connection with any of the Properties or operations thereon, including but not
limited to any failure by Lessee, any person or entity affiliated with Lessee or
any tenant or other user of any of the Properties to comply with any order of
any Governmental Authority in connection with any Environmental Laws;

      (6) the imposition, recording or filing or the threatened imposition,
recording or filing of any Environmental Lien encumbering any of the Properties;

      (7) any administrative processes or proceedings or judicial proceedings in
any way connected with any matter addressed in this Lease;

      (8) any past, present or threatened injury to, destruction of or loss of
natural resources in any way connected with any of the Properties, including but
not limited to costs to investigate and assess such injury, destruction or loss;

SCS Finance II, L.P.

                                       22

<PAGE>

      (9) any acts of Lessee, any person or entity affiliated with Lessee or any
tenant or other user of any of the Properties in arranging for disposal or
treatment, or arranging with a transporter for transport for disposal or
treatment, of Hazardous Materials or USTs owned or possessed by Lessee, any
person or entity affiliated with Lessee or any tenant or other user, at any
facility or incineration vessel owned or operated by another person or entity
and containing such or similar Hazardous Materials or USTs;

      (10) any acts of Lessee, any person or entity affiliated with Lessee or
any tenant or other user of any of the Properties, in accepting any Hazardous
Materials or USTs for transport to disposal or treatment facilities,
incineration vessels or sites selected by Lessee, any person or entity
affiliated with Lessee or any tenant or other user of any of the Properties,
from which there is a Release, or a Threatened Release of any Hazardous
Materials which causes the incurrence of costs for Environmental Compliance
Activities or Remediation;

      (11) any personal injury, wrongful death, or property damage arising under
any statutory or common law or tort law theory, including but not limited to
damages assessed for the maintenance of a private or public nuisance or for the
conducting of an abnormally dangerous activity on or near any of the Properties;
or

      (12) any misrepresentation or inaccuracy in any representation or warranty
or material breach or failure to perform any covenants or other obligations
pursuant to this Lease.

      C. If an Indemnified Party desires to be indemnified by Lessee with
respect to any Loss pursuant to this Section 19, that Indemnified Party shall
notify Lessee promptly upon receiving notice of or otherwise learning of the
Loss for which indemnification will be sought. The failure or delay of an
Indemnified Party to provide notice required by the foregoing sentence shall not
release Lessee from its obligations under this Section 19; provided, however,
that if an Indemnified Party fails to provide or delays providing such notice to
Lessee and such failure or delay shall prejudice in a material adverse manner
the ability of Lessee to defend against the claim, cause of action or other
proceeding that may result in the Losses for which the Indemnified Party is
seeking indemnity, Lessee shall not have any obligation to indemnify the
Indemnified Party for such Losses to the extent the delay causes Lessee to be
unable to effectively provide a defense of such claims relating to the Losses.
If an Indemnified Party notifies Lessee of any claim of proceeding included in,
or any investigation or allegation concerning Losses for which Lessee is
responsible pursuant to this Section 19, Lessee shall assume on behalf of the
Indemnified Party and conduct with due diligence and in good faith the
investigation and defense thereof and the response thereto with counsel selected
by Lessee and approved by the Indemnified Party, in its sole discretion.
However, if any such claim, proceeding investigation or allegation involves both
Lessee and the Indemnified Party and the Indemnified Party shall have reasonably
concluded that there are legal defenses available to it which are inconsistent
with those available to Lessee and that as a result the counsel selected to
prosecute such defense would have an ethical conflict of interest in its
representation of the Indemnified Party, then the Indemnified Party shall have
the right to select separate counsel to participate in the investigation and
defense of and response to such claim, proceeding, investigation or allegation
on its own behalf, and Lessee shall pay or reimburse the Indemnified Party for
all attorney's fees incurred by the Indemnified Party because of the selection
of such separate counsel. If Lessee fails to assume the defense of the
Indemnified Party promptly following notification from the Indemnified Party
(and in any event fifteen days after Lessee is notified of the applicable claim,
proceeding, investigation or allegation), or at any time an Indemnified Party
determines in its reasonable discretion that immediate action is necessary to
preserve the rights of the Indemnified Party, then the Indemnified Party may
take actions as reasonably necessary to contest or defend the claim, proceeding,
investigation or allegation at Lessee's expense using counsel selected by the
Indemnified Party; provided, that if the Indemnified Party takes such immediate
action, Lessee may thereafter assume control of any remaining aspects of the
defense of such claim, cause of action or proceeding, investigation or
allegation as otherwise provided herein. Moreover, if such failure by Lessee
continues for thirty days or more after Lessee is notified of any such claim,
proceeding, investigation or allegation then the Indemnified Party may elect not
to contest or continue contesting such claim, proceeding, investigation or
allegation and instead, in accordance with the advice of counsel, settle (or pay
in full) any or all claims against the Indemnified Party related thereto without
Borrower's consent and without releasing Lessee from any obligations to the
Indemnified Party under this Section 19. Except as expressly set forth in the
preceding sentence, no Indemnified Party or Lessee shall settle, compromise,
permit a default judgment to be entered or agree to the entry of a judgment in
or in connection with any claim, cause of action, proceeding, investigation or
allegation which could result in Losses without the prior written consent of
Lessee and Indemnified Party.

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<PAGE>

      D. It is expressly understood and agreed that Lessee's obligations under
this Section shall survive the expiration or earlier termination of this Lease
for any reason.

      20. QUIET ENJOYMENT. So long as Lessee shall pay the rental and other sums
herein provided and shall keep and perform all of the terms, covenants and
conditions on its part herein contained, Lessee shall have, subject and
subordinate to Lessor's rights herein, the right to the peaceful and quiet
occupancy of the Properties and use of the Equipment. Notwithstanding the
foregoing, however, in no event shall Lessee be entitled to bring any action
against Lessor to enforce its rights hereunder if an Event of Default shall have
occurred and be continuing.

      21. CONDEMNATION OR DESTRUCTION. A. In the event of a taking of all or any
part of any of the Properties or Equipment for any public or quasi-public
purpose by any lawful power or authority by exercise of the right of
condemnation or eminent domain or by agreement between Lessor, Lessee and those
authorized to exercise such right ("Taking") or the commencement of any
proceedings or negotiations which might result in a Taking or any material
damage to or destruction of any of the Properties or Equipment or any part
thereof ("Casualty"), Lessee will promptly give written notice thereof to
Lessor, generally describing the nature and extent of such Taking, proceedings,
negotiations or Casualty and including copies of any documents or notices
received in connection therewith. Thereafter, Lessee shall promptly send Lessor
copies of all correspondence and pleadings relating to any such Taking,
proceedings, negotiations or Casualty. During all periods of time following a
Casualty, Lessee shall ensure that the subject Property and Equipment is secure
and does not pose any risk of harm to adjoining property owners or occupants or
third-parties.

      B. In the event of a Taking of the whole of any of the Properties and
Equipment related thereto, other than for temporary use ("Total Taking"), the
obligations of Lessee with respect to such Property and Equipment related
thereto only shall terminate as of the date of the Total Taking, but this Lease
shall otherwise continue in full force and effect with respect to the remaining
Properties and Equipment. From and after the date of a Total Taking, the Base
Annual Rental shall be reduced by an amount equal to the product of (i) the
Applicable Rent Reduction Percentage for the Property subject to the Total
Taking, and (ii) the Base Annual Rental in effect as of the date of such Total
Taking (the "Adjustment"). If the date of such Total Taking is other than the
first day of a month, the Base Annual Rental payable for the month in which such
Total Taking occurs shall be apportioned based on such Adjustment as of the date
of the Total Taking. Lessee's obligations to Lessor under Section 19 of this
Lease with respect to such Property and Equipment related thereto and Lessee's
obligation to pay all other sums of money under this Lease (whether payable to
Lessor or to a third-party) which accrue prior to the date of such Total Taking
shall survive the partial termination of this Lease with respect to such
Property and Equipment related thereto. A Total Taking shall include a Taking,
other than for a temporary use, of such a substantial part of any Property and
Equipment related thereto as shall result in the portion of such Property and
Equipment related thereto remaining after such Taking being unsuitable for use
as a Permitted Concept. Lessor shall be entitled to receive the entire award or
payment in connection with a Total Taking without deduction for any estate
vested in Lessee by this Lease. Lessee hereby expressly assigns to Lessor all of
its right, title and interest in and to every such award or payment and agrees
that Lessee shall not be entitled to any award or payment for the value of
Lessee's leasehold interest in this Lease. Lessee shall be entitled to claim and
receive any award or payment from the condemning authority expressly granted for
the taking of Personal Property, the interruption of its business and moving
expenses, but only if such claim or award does not adversely affect or interfere
with the prosecution of Lessor's claim for the Total Taking or otherwise reduce
the amount recoverable by Lessor for the Total Taking.

      C. In the event of a Taking of all or any part of any of the Properties or
Equipment for a temporary use ("Temporary Taking"), this Lease shall remain in
full force and effect without any reduction of Base Annual Rental, Additional
Rental or any other sum payable hereunder. Except as provided below and subject
to the terms and provisions of the Mortgages, Lessee shall be entitled to the
entire award for a Temporary Taking, whether paid by damages, rent or otherwise,
unless the period of occupation and use by the condemning authorities shall
extend beyond the date of expiration of this Lease, in which case the award made
for such Taking shall be apportioned between Lessor and Lessee as of the date of
such expiration. At the termination of any such Temporary Taking, Lessee will,
at its own cost and expense and pursuant to the terms of Section 18 above,
promptly commence and complete the restoration of the Property affected by such
Temporary Taking.

      D. In the event of a Taking which is not a Total Taking or a Temporary
Taking ("Partial Taking") or of a Casualty, all awards, compensation or damages
shall be paid to Lessor, and Lessor shall have the option to (i)

SCS Finance II, L.P.

                                       24

<PAGE>

terminate this Lease with respect to the Property and Equipment related thereto
that is affected, provided that Lessor shall have obtained Lender's prior
written consent, by notifying Lessee within 60 days after Lessee gives Lessor
notice of such Casualty or that title has vested in the taking authority or (ii)
continue this Lease in effect, which election may be evidenced by either a
notice from Lessor to Lessee or Lessor's failure to notify Lessee that Lessor
has elected to terminate this Lease with respect to such Property within such
60-day period. Lessee shall have a period of 60 days after Lessor's notice that
it has elected to terminate this Lease with respect to such Property and
Equipment related thereto during which to elect to continue this Lease with
respect to such Property and Equipment related thereto on the terms herein
provided and Lessor shall continue the Lease as to such Property and Equipment
upon Lessee's election. If Lessor elects to terminate this Lease with respect to
such Property and Equipment related thereto and Lessee does not elect to
continue this Lease with respect to such Property and Equipment related thereto
or shall fail during such 60-day period to notify Lessor of Lessee's intent to
continue this Lease with respect to such Property and Equipment related thereto,
then this Lease shall terminate with respect to such Property and Equipment
related thereto as of the last day of the month during which such period
expired. Lessee shall then immediately vacate and surrender such Property and
Equipment related thereto, all obligations of either party hereunder with
respect to such Property and Equipment related thereto shall cease as of the
date of termination (provided, however, Lessee's obligations to Lessor under any
indemnification provisions of this Lease with respect to such Property
(including, without limitation, Section 19) and Lessee's obligations to pay Base
Annual Rental, Additional Rental and all other sums (whether payable to Lessor
or a third party) accruing under this Lease with respect to such Property and
Equipment related thereto prior to the date of termination shall survive such
termination), the Base Annual Rental shall be reduced by an amount equal to the
product of (i) the Applicable Rent Reduction Percentage for such Property and
Equipment related thereto and (ii) the Base Annual Rental in effect as of the
date of such Partial Taking or Casualty, and Lessor may retain all such awards,
compensation or damages. This Lease shall continue in full force and effect with
respect to all other Properties and Equipment. If Lessor elects not to terminate
this Lease with respect to such Property, or if Lessor elects to terminate this
Lease with respect to such Property and Equipment related thereto but Lessee
elects to continue this Lease with respect to such Property and Equipment
related thereto, then this Lease shall continue in full force and effect on the
following terms: (i) all Base Annual Rental, Additional Rental and other sums
and obligations due under this Lease shall continue unabated, and (ii) Lessee
shall promptly commence and diligently prosecute restoration of such Property
and Equipment related thereto to the same condition, as nearly as practicable,
as prior to such Partial Taking or Casualty as approved by Lessor. Subject to
the terms and provisions of the Mortgages, Lessor shall promptly make available
in installments as restoration progresses an amount up to but not exceeding the
amount of any award, insurance proceeds, compensation or damages received by
Lessor after deducting all costs, fees and expenses incident to the collection
thereof, including all costs and expenses incurred by Lessor and Lender in
connection therewith (the "Net Restoration Amount"), upon request of Lessee
accompanied by evidence reasonably satisfactory to Lessor that such amount has
been paid or is due and payable and is properly a part of such costs and that
Lessee has complied with the terms of Section 18 above in connection with the
restoration. Prior to the disbursement of any portion of the Net Restoration
Amount with respect to a Casualty, Lessee shall provide evidence reasonably
satisfactory to Lessor of the payment of restoration expenses by Lessee up to
the amount of any applicable insurance deductible applicable to such Casualty.
Lessor shall be entitled to keep any portion of the Net Restoration Amount which
may be in excess of the cost of restoration, and Lessee shall bear all
additional costs, fees and expenses of such restoration in excess of the Net
Restoration Amount. If this Lease is terminated with respect to any Property and
Equipment related thereto as a result of a Casualty, simultaneously with such
termination Lessee shall pay Lessor an amount equal to any applicable insurance
deductible applicable to such Casualty.

      E. Any loss under any property damage insurance required to be maintained
by Lessee shall be adjusted by Lessor and Lessee. Subject to the terms and
provisions of the Mortgages, any award relating to a Total Taking or a Partial
Taking shall be adjusted by Lessor or, at Lessor's election, Lessee.
Notwithstanding the foregoing or any other provisions of this Section to the
contrary but subject to the terms and provisions of the Mortgages, if at the
time of any Taking or any Casualty or at any time thereafter an Event of Default
shall have occurred and be continuing under this Lease, Lessor is hereby
authorized and empowered but shall not be obligated, in the name and on behalf
of Lessee and otherwise, to file and prosecute Lessee's claim, if any, for an
award on account of such Taking or for insurance proceeds on account of such
Casualty and to collect such award or proceeds and apply the same, after
deducting all costs, fees and expenses incident to the collection thereof, to
the curing of such default and any other then existing default under this Lease
and/or to the payment of any amounts owed by Lessee to Lessor under this Lease,
in such order, priority and proportions as Lessor in its discretion shall deem
proper.

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<PAGE>

      F. Notwithstanding the foregoing, nothing in this Section 21 shall be
construed as limiting or otherwise adversely affecting the representations,
warranties, covenants and characterizations set forth in Lease, including,
without limitation, those provisions set forth in Section 3 of this Lease.

      22. INSPECTION. Lessor and its authorized representatives shall have the
right during normal business hours upon two Business Days' prior telephonic
notice (or at any time in the event of an emergency or after and during the
continuance of an Event of Default) to enter any of the Properties or any part
thereof at reasonable times in order to inspect the same (including, without
limitation, the Equipment) and make photographic or other evidence concerning
Lessee's compliance with the terms of this Lease or in order to show the
Properties and Equipment to prospective purchasers and lenders; provided that
any such Person shall conduct such activities in a manner that does not
unreasonably interfere with the operation of any of the Properties or Equipment.
Lessee shall also make the Leasehold Equipment available for inspection at the
Equipment Premises during normal business hours upon, so long as no Event of
Default has occurred and is continuing, 24-hours' prior telephonic notice (or at
any time in the event of an emergency). Lessee hereby waives any claim for
damages for any injury or inconvenience to or interference with Lessee's
business, any loss of occupancy or quiet enjoyment of any of the Properties and
any other loss occasioned by such entry so long as Lessor shall have used
reasonable efforts not to unreasonably interrupt Lessee's normal business
operations. Lessee shall keep and maintain at the Properties or Lessee's
corporate headquarters full, complete and appropriate books of account and
records of Lessee's business relating to the Properties and the Equipment in
accordance with GAAP. Lessee's books and records relating to the Properties and
Equipment, during Lessee's normal business hours, be open for inspection by
Lessor, Lender and their respective auditors or other authorized representatives
upon, so long as no Event of Default has occurred and is continuing, two
Business Days' prior telephonic notice and shall show such information as is
reasonably necessary to determine compliance with Lessor's obligations under the
Loan Documents and/or Equipment Loan Documents.

      23. DISTRIBUTOR AGREEMENT. Lessee shall maintain the Distributor Agreement
in full force and effect and perform its obligations thereunder in all material
respects. Lessee shall give prompt notice to Lessor of any claim of default by
or to Lessee under the Distributor Agreement and shall provide Lessor with a
copy of any default notice given or received by Lessee under the Distributor
Agreement and any information submitted or referenced in support of such claim
of default. Lessee shall also give prompt notice to Lessor of any extensions,
renewals or replacements of the Distributor Agreement and the expiration or
termination of the Distributor Agreement.

      24. DEFAULT, REMEDIES AND MEASURE OF DAMAGES. A. Each of the following
shall be an event of default under this Lease (each, an "Event of Default"):

      (i) If any representation or warranty of Lessee set forth in this Lease is
false in any material respect, or if Lessee renders any statement or account
which is false in any material respect;

      (ii) If any rent or other monetary sum due under this Lease is not paid
within five days after the date when due; provided, however, notwithstanding the
occurrence of such an Event of Default, Lessor shall not be entitled to exercise
its remedies set forth below unless and until Lessor shall have given Lessee
notice thereof and a period of five days from the delivery of such notice shall
have elapsed without such Event of Default being cured;

      (iii) Subject to the provisions of Section 9, if Lessee fails to pay,
prior to delinquency, any taxes, assessments or other charges the failure of
which to pay will result in the imposition of a lien against any of the
Properties or Equipment pursuant to Applicable Regulations and such taxes,
assessments or other charges are not being contested in accordance with the
terms of this Lease;

      (iv) If any of the Lessee Parties becomes insolvent within the meaning of
the Code, files or notifies Lessor that it intends to file a petition under the
Code, initiates a proceeding under any similar law or statute relating to
bankruptcy, insolvency, reorganization, winding up or adjustment of debts
(collectively, an "Action"), becomes the subject of either a petition under the
Code or an Action (and, if such petition or Action is involuntary, such petition
or Action is not dismissed within 60 days), or is not generally paying its debts
as the same become due;

      (v) If Lessee vacates or abandons any of the Properties or the Equipment
other than in accordance with the provisions of Section 14 of this Lease;

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                                       26

<PAGE>

      (vi) If Lessee shall fail to maintain insurance in accordance with the
requirements of Section 11 of this Lease;

      (vii) If Lessee fails to observe or perform any of the other covenants
(except with respect to a breach of the Corporate Fixed Charge Coverage Ratio,
which breach is addressed in Subitem (xii) below), conditions, or obligations of
this Lease; provided, however, if any such failure does not involve the payment
of any monetary sum, is not willful or intentional, does not place any rights or
property of Lessor in immediate jeopardy, and is within the reasonable power of
Lessee to cure within the period provided below after receipt of notice thereof,
all as determined by Lessor in its reasonable discretion, then such failure
shall not constitute an Event of Default hereunder, unless otherwise expressly
provided herein, unless and until Lessor shall have given Lessee notice thereof
and a period of 30 days shall have elapsed, during which period Lessee may
correct or cure such failure, upon failure of which an Event of Default shall be
deemed to have occurred hereunder without further notice or demand of any kind
being required. If such failure cannot reasonably be cured within such 30-day
period, as determined by Lessor in its reasonable discretion, and Lessee is
diligently pursuing a cure of such failure, then Lessee shall have a reasonable
period to cure such failure beyond such 30-day period, which shall in no event
exceed 90 days after receiving notice of such failure from Lessor. If Lessee
shall fail to correct or cure such failure within such 90-day period, an Event
of Default shall be deemed to have occurred hereunder without further notice or
demand of any kind being required. Notwithstanding anything in this subitem
(vii) to the contrary, if a breach of one or more of the covenants in Section
6.F. shall have occurred as a result of any occurrence or event or series of
occurrences or events and that occurrence or event or series of occurrences or
events may be, or shall be required to be, Remediated under applicable
Environmental Laws or directive of any Governmental Authority having
jurisdiction over such matter, the cure period for such breach of that covenant
or those covenants shall be deemed extended if Lessee promptly commences the
process of effecting the Remediation of such occurrence or event or series of
occurrences or events within the cure period set forth in this subitem (vii) and
Lessee continuously and diligently pursues and completes such Remediation in
accordance with applicable Environmental Laws and directives of any Governmental
Authority having jurisdiction over such matter until either: (i) Lessee ceases
the Remediation in accordance with this subitem (vii); or (ii) completes the
Remediation;

      (viii) If there is an "Event of Default" or a breach or default, after the
passage of all applicable notice and cure or grace periods, under any of the
Other Agreements;

      (ix) If a final, nonappealable judgment is rendered by a court against any
of the Lessee Parties which (i) has a Material Adverse Effect on the operation
of any of the Properties or the Equipment, or (ii) is in an amount greater than
$350,000.00 with respect to Lessee, or $700,000.00 with respect to Guarantor,
and not covered by insurance, and, in either case, is not discharged or
provision made for such discharge within 60 days from the date of entry of such
judgment;

      (x) If there is an "Event of Default" that has occurred and is continuing
under the Related Lease, or breach or default by Lessee, after the passage of
all applicable notice and cure or grace periods under any of the Premises
Leases, or if any of the Premises Leases is terminated prior to the expiration
or earlier termination of this Lease and not replaced promptly by a similar
Lease with respect to the affected Equipment Premises;

      (xi) If there is a breach or default by Lessee, after the passage of all
applicable notice and cure or grace periods, the Distributor Agreement
terminates or expires prior to the end of the Lease Term and a substitute
agreement for the terminated or expired agreement is not entered into to allow
Lessee to operate the Properties and Equipment Premises as a Permitted Concept
prior to such expiration or termination, which substitute agreement shall be in
form and substance reasonably satisfactory to Lessor; or

      (xii) If there is a breach of the Corporate Fixed Charge Coverage Ratio
requirement contained in Section 59, Lessor shall have given notice thereof and
Lessee shall have failed within a period of 10 days from delivery of such notice
to provide Lessor with evidence that the Guarantor maintained a Corporate Fixed
Charge Coverage Ratio of at least 1.25:1, determined for Guarantor's last
complete fiscal year during the Lease Term. For purposes of this Subitem (xii),
when determining whether Guarantor has maintained a Corporate Fixed Charge
Coverage Ratio (but not with respect to the Corporate Fixed Charge Coverage
Ratio of Lessee), the term "Corporate Fixed Charge Coverage Ratio" shall mean
with respect to each such fiscal year, the ratio calculated for such fiscal
year, each as determined in accordance with GAAP, of (a) the sum of Net Income,
Depreciation and Amortization,

SCS Finance II, L.P.

                                       27

<PAGE>

Interest Expense and Operating Lease Expense, minus income taxes or charges
equivalent to income taxes allocable to the period of determination, to (b) the
sum of, without duplication, Operating Lease Expense, scheduled principal
payments of long term Debt, scheduled maturities of all Capital Leases and
Interest Expense (excluding non-cash interest expense and amortization of
non-cash financing expenses) for such fiscal year.

      For purposes of this Subitem (xii), the following terms shall be defined
as set forth below:

            "Capital Lease" shall mean all leases of any property, whether real,
      personal or mixed, by Guarantor, which lease would, in conformity with
      GAAP, be required to be accounted for as a capital lease on the balance
      sheet of Guarantor. The term "Capital Lease" shall not include any
      operating lease.

            "Debt" shall mean with respect to Guarantor, and for the period of
      determination (i) indebtedness for borrowed money, (ii) obligations
      evidenced by bonds, indentures, notes or similar instruments, (iii)
      obligations to pay the deferred purchase price of property or services,
      (iv) obligations under leases which should be, in accordance with GAAP,
      recorded as Capital Leases, and (v) obligations under direct or indirect
      guarantees in respect of, and obligations (contingent or otherwise) to
      purchase or otherwise acquire, or otherwise to assure a creditor against
      loss in respect of, indebtedness or obligations of others of the kinds
      referred to in clauses (i) through (iv) above.

            "Depreciation and Amortization" shall mean the depreciation and
      amortization accruing during any period of determination with respect to
      Guarantor, as determined in accordance with GAAP.

            "Interest Expense" shall mean for any period of determination, the
      sum of all interest accrued or which should be accrued in respect of all
      Debt of Guarantor, as determined in accordance with GAAP.

            "Net Income" shall mean with respect to the period of determination,
      the net income or net loss of Guarantor. In determining the amount of Net
      Income, (i) adjustments shall be made for nonrecurring gains and losses or
      non-cash items allocable to the period of determination, (ii) deductions
      shall be made for, among other things, Depreciation and Amortization,
      Interest Expense, Operating Lease Expense and actual corporate and
      district overhead expense allocable to the period of determination, and
      (iii) no deductions shall be made for income taxes or charges equivalent
      to income taxes allocable to the period of determination, as determined in
      accordance with GAAP.

            "Operating Lease Expense" shall mean the sum of all payments and
      expenses incurred by Guarantor under any operating leases during the
      period of determination, as determined in accordance with GAAP.

      B. Upon the occurrence of an Event of Default, with or without notice or
demand, except the notice prior to default required under certain circumstances
by subsection A. above or such other notice as may be required by statute and
cannot be waived by Lessee (all other notices being hereby waived), Lessor shall
be entitled to exercise, at its option, concurrently, successively, or in any
combination, all remedies available at law or in equity, including without
limitation, any one or more of the following as well as the applicable remedies
set forth on the attached Schedule II:

      (i) To terminate this Lease, whereupon Lessee's right to possession of the
Properties and Equipment shall cease and this Lease, except as to Lessee's
liability, shall be terminated.

      (ii) To reenter and take possession of any or all of the Properties and
Equipment, any or all Personal Property located on or at any or all of the
Properties in which Lessor shall have a landlord's lien and/or security
interest, and, to the extent permissible, all franchises, licenses, area
development agreements, permits and other rights or privileges of Lessee
pertaining to the use and operation of any or all of the Properties and
Equipment and to expel Lessee and those claiming under or through Lessee,
without being deemed guilty in any manner of trespass or becoming liable for any
loss or damage resulting therefrom, without resort to legal or judicial process,
procedure or action. No notice from Lessor hereunder or under a forcible entry
and detainer statute or similar law shall constitute an election by Lessor to
terminate this Lease unless such notice specifically so states. If Lessee shall,
after default,

SCS Finance II, L.P.

                                       28

<PAGE>

voluntarily give up possession of any of the Properties or Equipment to Lessor,
deliver to Lessor or its agents the keys to any of the Properties, or both, such
actions shall be deemed to be in compliance with Lessor's rights and the
acceptance thereof by Lessor or its agents shall not be deemed to constitute a
termination of this Lease. Lessor reserves the right following any reentry
and/or reletting to exercise its right to terminate this Lease by giving Lessee
written notice thereof, in which event this Lease will terminate as specified in
said notice.

      (iii) To seize all Personal Property located on or at any or all of the
Properties, in which Lessor shall have a landlord's lien and/or security
interest, and to dispose thereof in accordance with the laws prevailing at the
time and place of such seizure or to remove all or any portion of such property
and cause the same to be stored in a public warehouse or elsewhere at Lessee's
sole expense, without becoming liable for any loss or damage resulting therefrom
and without resorting to legal or judicial process, procedure or action.

      (iv) To bring an action against Lessee for any damages sustained by Lessor
or any equitable relief available to Lessor.

      (v) To relet any or all of the Properties and Equipment or any part
thereof for such term or terms (including a term which extends beyond the
original Lease Term), at such rentals and upon such other terms as Lessor, in
its sole discretion, may determine, with all proceeds received from such
reletting being applied to the rental and other sums due from Lessee in such
order as Lessor may, in it sole discretion, determine, which other sums include,
without limitation, all repossession costs, brokerage commissions, attorneys'
fees and expenses, employee expenses, alteration, remodeling and repair costs
and expenses of preparing for such reletting. Except to the extent required by
applicable law, Lessor shall have no obligation to relet any of the Properties
or Equipment or any part thereof and shall in no event be liable for refusal or
failure to relet any of the Properties or Equipment or any part thereof, or, in
the event of any such reletting, for refusal or failure to collect any rent due
upon such reletting, and no such refusal or failure shall operate to relieve
Lessee of any liability under this Lease or otherwise to affect any such
liability. Lessor reserves the right following any reentry and/or reletting to
exercise its right to terminate this Lease by giving Lessee written notice
thereof, in which event this Lease will terminate as specified in said notice.

      (vi) (x) To recover from Lessee all rent and other monetary sums then due
and owing under this Lease and (y) to accelerate and recover from Lessee all
rent and other monetary sums scheduled to become due and owing under this Lease
after the date of such breach for the entire original scheduled Lease Term.

      (vii) To recover from Lessee all costs and expenses, including reasonable
attorneys' fees, court costs, expert witness fees, costs of tests and analyses,
travel and accommodation expenses, deposition and trial transcripts, copies and
other similar costs and fees, paid or incurred by Lessor as a result of such
breach, regardless of whether or not legal proceedings are actually commenced.

      (viii) To immediately or at any time thereafter, and with or without
notice, at Lessor's sole option but without any obligation to do so, correct
such breach or default and charge Lessee all costs and expenses incurred by
Lessor therein. Any sum or sums so paid by Lessor, together with interest at the
Default Rate, shall be deemed to be Additional Rental hereunder and shall be
immediately due from Lessee to Lessor. Any such acts by Lessor in correcting
Lessee's breaches or defaults hereunder shall not be deemed to cure said
breaches or defaults or constitute any waiver of Lessor's right to exercise any
or all remedies set forth herein.

      (ix) To immediately or at any time thereafter, and with or without notice,
except as required herein, set off any money of Lessee held by Lessor under this
Lease against any sum owing by Lessee hereunder.

      (x) To seek any equitable relief available to Lessor, including, without
limitation, the right of specific performance.

      All powers and remedies given by this Section to Lessor, subject to
applicable law, shall be cumulative and not exclusive of one another or of any
other right or remedy or of any other powers and remedies available to Lessor
under this Lease, by judicial proceedings or otherwise, to enforce the
performance or observance of the covenants and agreements of Lessee contained in
this Lease, and no delay or omission of Lessor to exercise any right or power

SCS Finance II, L.P.

                                       29

<PAGE>

accruing upon the occurrence of any Event of Default shall impair any other or
subsequent Event of Default or impair any rights or remedies consequent thereto.
Every power and remedy given by this Section or by law to Lessor may be
exercised from time to time, and as often as may be deemed expedient, by Lessor,
subject at all times to Lessor's right in its sole judgment to discontinue any
work commenced by Lessor or change any course of action undertaken by Lessor.

      If Lessee shall fail to observe or perform any of its obligations under
this Lease or in the event of an emergency, then, without waiving any Event of
Default which may result from such failure or emergency, Lessor may, but without
any obligation to do so, take all actions, including, without limitation, entry
upon any or all of the Properties to perform Lessee's obligations, immediately
and without notice in the case of an emergency and upon five days written notice
to Lessee in all other cases. All expenses incurred by Lessor in connection with
performing such obligations, including, without limitation, reasonable
attorneys' fees and expenses, together with interest at the Default Rate from
the date any such expenses were incurred by Lessor until the date of payment by
Lessee, shall constitute Additional Rental and shall be paid by Lessee to Lessor
upon demand.

      25. LIENS; MORTGAGES, SUBORDINATION AND ATTORNMENT. Lessor's interest in
this Lease and/or any of the Properties and Equipment shall not be subordinate
to any liens or encumbrances placed upon any of the Properties and Equipment by
or resulting from any act of Lessee, and nothing herein contained shall be
construed to require such subordination by Lessor. Lessee shall keep the
Properties and Equipment free from any liens for work performed, materials
furnished or obligations incurred by Lessee except Permitted Liens. NOTICE IS
HEREBY GIVEN THAT, UNLESS LESSOR'S PRIOR WRITTEN CONSENT IS OBTAINED, LESSEE IS
NOT AUTHORIZED TO PLACE OR ALLOW TO BE PLACED ANY LIEN, MORTGAGE, DEED OF TRUST,
DEED TO SECURE DEBT, SECURITY INTEREST OR ENCUMBRANCE OF ANY KIND UPON ALL OR
ANY PART OF ANY OF THE PROPERTIES, EQUIPMENT, THE PERSONAL PROPERTY OR LESSEE'S
LEASEHOLD INTEREST IN THE PROPERTIES AND EQUIPMENT EXCEPT PERMITTED LIENS, AND
ANY SUCH PURPORTED TRANSACTION SHALL BE VOID. FURTHERMORE, ANY SUCH PURPORTED
TRANSACTION SHALL BE DEEMED A TORTIOUS INTERFERENCE WITH LESSOR'S RELATIONSHIP
WITH LESSEE AND LESSOR'S OWNERSHIP OF THE PROPERTIES.

      This Lease at all times shall automatically be subordinate to the
Mortgages and Equipment Loan Documents and to the lien and security interest of
any and all ground leases, mortgages, deeds to secure debt, security agreements
and trust deeds now or hereafter placed upon any of the Properties or Equipment
by Lessor, and Lessee covenants and agrees to execute and deliver, upon demand,
such further instruments subordinating this Lease to the lien and security
interest of the Mortgages and Equipment Loan Documents and any or all such
ground leases, mortgages, deeds to secure debt, security agreements or trust
deeds as shall be desired by Lessor, or any present or proposed mortgagees,
secured parties or lenders under deeds to secure debt, security agreements or
trust deeds.

      If any landlord, mortgagee, receiver, Lender or other secured party
validly exercises its right to elect to have this Lease and the interest of
Lessee hereunder be superior to any of the Mortgages, Equipment Loan Documents
or any such ground lease, mortgage, deed to secure debt, security agreement or
trust deed and evidences such election by written notice given to Lessee, then
this Lease and the interest of Lessee hereunder shall be deemed superior to any
such Mortgage, Equipment Loan Document, ground lease, mortgage, deed to secure
debt, security agreement or trust deed, whether this Lease was executed before
or after such Mortgage, Equipment Loan Document, ground lease, mortgage, deed to
secure debt, security agreement or trust deed and in that event such landlord,
mortgagee, receiver, Lender or other secured party shall have the same rights
with respect to this Lease as if it had been executed and delivered prior to the
execution and delivery of such Mortgage, Equipment Loan Document, ground lease,
mortgage, deed to secure debt, security agreement or trust deed and had been
assigned to such landlord, mortgagee, receiver, Lender or other secured party.

      Although the foregoing provisions shall be self-operative and no future
instrument of subordination shall be required, upon request by Lessor, Lessee
shall execute and deliver whatever instruments may be required for such
purposes, and in the event Lessee fails so to do within 10 days after demand,
Lessee does hereby make, constitute and irrevocably appoint Lessor as its agent
and attorney-in-fact and in its name, place and stead so to do, which
appointment shall be deemed coupled with an interest.

SCS Finance II, L.P.

                                       30

<PAGE>

      In the event any purchaser or assignee of Lender at a foreclosure sale
acquires title to any of the Properties or Equipment, or in the event Lender or
any assignee otherwise succeeds to the rights of Lessor as landlord under this
Lease, Lessee shall attorn to Lender or such purchaser or assignee, as the case
may be (a "Successor Lessor"), and recognize the Successor Lessor as lessor
under this Lease, and, if the Successor Lessor in its sole discretion elects to
recognize Lessee's tenancy under this Lease, this Lease shall continue in full
force and effect as a direct lease between the Successor Lessor and Lessee,
provided that the Successor Lessor shall only be liable for any obligations of
the lessor under this Lease which accrue after the date that such Successor
Lessor acquires title. The foregoing provision shall be self operative and
effective without the execution of any further instruments.

      Lessee shall give written notice to any lender of Lessor having a recorded
lien or perfected security interest upon any of the Properties and Equipment or
any part thereof of which Lessee has been notified of any breach or default by
Lessor of any of its obligations under this Lease simultaneously with the giving
of such notice to Lessor, and Lessee shall give such lender at least 60 days
beyond any notice period to which Lessor might be entitled to cure such default
before Lessee may exercise any remedy with respect thereto. Upon request by
Lessor, Lessee shall also provide Lessee's most recent audited financial
statements to Lessor or any such lender and certify the continuing accuracy of
such financial statements in such manner as Lessor or such lender may request.

      26. ESTOPPEL CERTIFICATE. A. At any time, and from time to time, Lessee
shall, promptly and in no event later than fifteen (15) days after a request
from Lessor or Lender, execute, acknowledge and deliver to Lessor or Lender a
certificate in the form supplied by Lessor, Lender or any present or proposed
mortgagee or purchaser designated by Lessor, certifying: (i) that Lessee has
accepted the Properties and Equipment (or, if Lessee has not done so, that
Lessee has not accepted the Properties, and specifying the reasons therefor);
(ii) that this Lease is in full force and effect and has not been modified (or
if modified, setting forth all modifications), or, if this Lease is not in full
force and effect, the certificate shall so specify the reasons therefor; (iii)
the commencement and expiration dates of the Lease Term, including the terms of
any extension options of Lessee; (iv) the date to which the rentals have been
paid under this Lease and the amount thereof then payable; (v) whether there are
then any existing defaults by Lessor in the performance of its obligations under
this Lease, and, if there are any such defaults, specifying the nature and
extent thereof; (vi) that no notice has been received by Lessee of any default
under this Lease which has not been cured, except as to defaults specified in
the certificate; (vii) the capacity of the person executing such certificate,
and that such person is duly authorized to execute the same on behalf of Lessee;
(viii) that neither Lessor nor Lender has actual involvement in the management
or control of decision making related to the operational aspects or the
day-to-day operations of the Properties, including the USTs or the handling or
disposal of Hazardous Materials; and (ix) any other information reasonably
requested by Lessor, Lender or such present or proposed mortgagee or purchaser.

      B. If Lessee shall fail or refuse to sign a certificate in accordance with
the provisions of this Section within fifteen (15) days following a request by
Lessor, Lessee irrevocably constitutes and appoints Lessor as its
attorney-in-fact to execute and deliver the certificate to any third party
requesting such certificate, it being stipulated that such power of attorney is
coupled with an interest and is irrevocable and binding; provided, however, that
Lessor's execution and delivery of such certificate on behalf of Lessee shall
not cure any default arising by reason of Lessee's failure to execute and
deliver such certificate.

      27. ASSIGNMENT. A. If Lender shall succeed to the rights of Lessor as
landlord under this Lease, whether through foreclosure of the liens or security
interests of the Mortgages or Equipment Loan Documents, deeds-in-lieu of
foreclosure or otherwise, Lender, as lessor, shall have the right to sell or
convey all, but not less than all, of the Properties and Equipment or to assign
its right, title and interest as Lessor under this Lease in whole, but not in
part. In the event of any such sale or assignment other than a security
assignment, Lessee shall attorn to such purchaser or assignee and Lessor shall
be relieved, from and after the date of such transfer or conveyance, of
liability for the performance of any obligation of Lessor contained herein,
except for obligations or liabilities accrued prior to such assignment or sale
(provided, however, nothing in this Section 27 shall impose liability on Lender
or such purchaser or assignee, as lessor, for the obligations of Lessor accruing
under this Lease prior to the time Lender or such purchaser or assignee, as the
case may be, succeeds to Lessor's rights as lessor under this Lease). Otherwise,
and except as permitted pursuant to the Loan Documents or Equipment Loan
Documents, Lessor shall not have the right to sell or convey the Properties or
Equipment or to assign its right, title and interest as lessor under this Lease
in whole or in part.

SCS Finance II, L.P.

                                       31

<PAGE>

      B. Lessee acknowledges that Lessor has relied both on the business
experience and creditworthiness of Lessee and upon the particular purposes for
which Lessee intends to use the Properties and Equipment in entering into this
Lease. Without the prior written consent of Lessor: (i) Lessee shall not assign,
transfer, convey, pledge or mortgage this Lease or any interest therein, whether
by operation of law or otherwise; (ii) no Change of Control shall occur; and
(iii) Lessee shall not sublet all or any part of any of the Properties or
Equipment except as expressly provided herein (each of items (i) through (iv)
are hereinafter referred to as a "Prohibited Transaction"). In addition, no
interest in any of the Lessee Parties, or in any individual or person owning
directly or indirectly any interest in any of the Lessee Parties, shall be
knowingly transferred, assigned or conveyed to any individual or person whose
property or interests are subject to being blocked under any of the Terrorism
Laws and/or who is in violation of any of the Terrorism Laws.

      Lessor's consent to a Prohibited Transaction shall be subject to the
satisfaction of such conditions as Lessor shall determine in its sole
discretion, including, without limitation, (i) Lessor having obtained the
consent of Lender to the Prohibited Transaction, (ii) Lessee having executed and
delivered such modifications to the terms of this Lease as Lessor shall
reasonably request, (iii) the Prohibited Transaction having been approved by
each of the rating agencies which have issued ratings in connection with any
Securitization as well as any other rating agency selected by Lender, (iv) the
proposed transferee, as applicable, having assumed this Lease (as modified
pursuant to clause (ii) above), (v) payment to Lessor of any rentals owing under
a sublease which are in excess of any rentals owing under this Lease, and (vi)
the proposed transferee having satisfactory creditworthiness and satisfactory
experience operating a Permitted Concept. In addition, any such consent shall be
conditioned upon the payment by Lessee to Lessor of (x) a fee equal to one
percent (1%) of the then outstanding principal balance of the Notes and
Equipment Notes and (y) all out-of-pocket costs and expenses incurred by Lessor
in connection with such consent, including, without limitation, reasonable
attorneys' fees. The provisions of this Section shall apply to every Prohibited
Transaction regardless of whether voluntary or not, or whether or not Lessor has
consented to any previous Prohibited Transaction. No assignment of this Lease or
subletting of any of the Properties shall relieve Lessee of its obligations
under this Lease or any guarantor of this Lease of any of its obligations under
its guaranty. Any Prohibited Transaction in violation of this Section shall be
voidable at the sole option of Lessor.

      29. NOTICES. All notices, consents, approvals or other instruments
required or permitted to be given by either party pursuant to this Lease shall
be in writing and given by (i) hand delivery, (ii) facsimile, (iii) express
overnight delivery service or (iv) certified or registered mail, return receipt
requested, and shall be deemed to have been delivered upon (a) receipt, if hand
delivered, (b) transmission, if delivered by facsimile, (c) the next Business
Day, if delivered by express overnight delivery service, or (d) the third
Business Day following the day of deposit of such notice with the United States
Postal Service, if sent by certified or registered mail, return receipt
requested. Notices shall be provided to the parties and addresses (or facsimile
numbers, as applicable) specified below:

          If to Lessee:                    Southwest Convenience Stores, L.P.
                                           c/o Alon Interests USA, LLC
                                           7616 LBJ Freeway, Suite 300
                                           Dallas, Texas 75251-1100
                                           Attn: General Counsel
                                           Telephone: (972) 367-4000
                                           Telecopy: (972) 367-3724

                           with copies to:

                                           Alon Interests USA, LLC
                                           7616 LBJ Freeway, Suite 300
                                           Dallas, Texas 75251-1100
                                           Attn: Chief Financial Officer
                                           Telephone: (972) 367-4000
                                           Telecopy: (972) 367-3726

SCS Finance II, L.P.

                                       32

<PAGE>

          If to Lessor:              SCS Finance II, L.P.
                                     c/o SCS Finance, Inc.
                                     7616 LBJ Freeway, Suite 300
                                     Dallas, Texas 75251-1100
                                     Attn: General Counsel
                                     Telephone: (972) 367-4000
                                     Telecopy: (972) 367-3724

                   with copies to:

                                     SCS Finance, Inc.
                                     c/o Alon USA LP
                                     7616 LBJ Freeway, Suite 300
                                     Dallas, Texas 75251-1100
                                     Attn: Chief Financial Officer
                                     Telephone: (972) 367-4000
                                     Telecopy: (972) 367-3726

or to such other address or such other person as either party may from time to
time hereafter specify to the other party in a notice delivered in the manner
provided above. No such notices, consents, approvals or other communications
shall be valid unless Lender receives a duplicate original thereof at the
following address:

                                     GE Capital Franchise Finance Corporation
                                     17207 North Perimeter Drive
                                     Scottsdale, AZ  85255
                                     Attention: General Counsel
                                     Telephone: (480) 585-4500
                                     Telecopy:  (480) 585-2226

or to such other address or such other person as Lender may from time to time
specify to Lessor and Lessee in a notice delivered in the manner provided above.

      30. HOLDING OVER. If Lessee remains in possession of any of the Properties
or the Equipment after the expiration of the Lease Term, Lessee, at Lessor's
option and within Lessor's sole discretion, may be deemed a tenant on a
month-to-month basis and shall continue to pay rentals and other sums in the
amounts herein provided, except that the Base Monthly Rental shall be
automatically doubled, and comply with all the terms of this Lease; provided
that nothing herein nor the acceptance of rent by Lessor shall be deemed a
consent to such holding over. Lessee shall defend, indemnify, protect and hold
the Indemnified Parties harmless from and against any and all Losses resulting
from Lessee's failure to surrender possession upon the expiration of the Lease
Term, including, without limitation, any claims made by any succeeding lessee.

      31. LANDLORD'S LIEN/SECURITY INTEREST. Lessee agrees that Lessor shall
have a landlord's lien, and additionally hereby separately grants to Lessor a
first and prior security interest, in, on and against all Personal Property,
which lien and security interest shall secure the payment of all rental and
other charges payable by Lessee to Lessor under the terms hereof and all other
obligations of Lessee to Lessor under this Lease. Lessee authorizes Lessor to
file financing statements with respect to the Personal Property, continuation
statements with respect thereto, and any amendments to such financing statements
which may be necessitated by reason of any of the changes described in the last
sentence of this Section. Furthermore, at any time, and from time to time,
Lessee shall, promptly and in no event later than fifteen (15) days after a
request from Lessor, execute, acknowledge and deliver to Lessor such financing
statements and other documents as Lessor may then deem appropriate or necessary
to perfect and maintain said lien and security interest. Lessee expressly
acknowledges and agrees that, in addition to any and all other rights and
remedies of Lessor whether hereunder or at law or in equity, in the event of any
default of Lessee hereunder, Lessor shall have any and all rights and remedies
granted a secured party under the Uniform Commercial Code then in effect in the
state of Arizona (the "UCC"). Lessee represents that its exact legal name and
state of incorporation is as set forth in the first paragraph of this Lease.
Lessee shall preserve its current form of organization and shall not change its
legal name, its state of formation, nor, in one transaction or a series of
related transactions, merge with or into, or consolidate with, any other entity
without providing, in each case, Lessor with

SCS Finance II, L.P.

                                       33

<PAGE>

thirty (30) days' prior written notice and obtaining Lessor's prior written
consent (to the extent such consent is required under Section 27 of this Lease).
Lessee agrees that, notwithstanding any provision in the UCC to the contrary,
Lessee shall not file a termination statement of any financing statement filed
by Lessor in connection with any security interest granted under this Lease if
Lessor reasonably objects to the filing of such termination statement.

      32. REMOVAL OF PERSONAL PROPERTY. At the expiration of the Lease Term, and
so long as no Event of Default has occurred and is continuing or no event, which
with the passage of time, the giving of notice or both, would result in the
occurrence of an Event of Default, has occurred and is continuing, Lessee may
remove all Personal Property from the Properties. Lessee shall repair any damage
caused by such removal and shall leave the Properties broom clean and in good
and working condition and repair inside and out. Any property of Lessee left on
the Properties on the tenth day following the expiration of the Lease Term
shall, at Lessor's option, automatically and immediately become the property of
Lessor.

      33. FINANCIAL STATEMENTS. Within 45 days after the end of each of the
first three fiscal quarters and within 120 days after the end of each fiscal
year of Lessee, Lessee shall deliver to Lessor and Lender (i) complete financial
statements of the Lessee Parties including a balance sheet, profit and loss
statement, statement of cash flows and all other related schedules for the
fiscal period then ended; and (ii) income statements for the business at each of
the Properties. All such financial statements shall be prepared in accordance
with GAAP from period to period, and shall be certified by Lessee (or the
Treasurer or other appropriate officer of Lessee) to fairly present the
financial condition of the Lessee Party whose financial statements they are.
Lessee understands that Lessor and Lender will rely upon such financial
statements and Lessee represents that such reliance is reasonable. In the event
the property and business at the Properties is ordinarily consolidated with
other business for financial statement purposes, such financial statements shall
be prepared on a consolidated basis showing separately the sales, profits and
losses, assets and liabilities pertaining to each of the Properties with the
basis for allocation of overhead of other charges being clearly set forth. The
financial statements delivered to Lessor and Lender need not be audited, but
Lessee shall deliver to Lessor and Lender copies of any audited financial
statements of Lessee which may be prepared, as soon as they are available.

      34. FORCE MAJEURE. Any prevention, delay or stoppage due to strikes,
lockouts, acts of God, enemy or hostile governmental action, civil commotion,
fire or other casualty beyond the control of the party obligated to perform
shall excuse the performance by such party for a period equal to any such
prevention, delay or stoppage, except the obligations imposed with regard to
rental and other monies to be paid by Lessee pursuant to this Lease and any
indemnification obligations imposed upon Lessee under this Lease.

      35. TIME IS OF THE ESSENCE. Time is of the essence with respect to each
and every provision of this Lease in which time is a factor.

      36. LESSOR'S LIABILITY. Notwithstanding anything to the contrary provided
in this Lease, it is specifically understood and agreed, such agreement being a
primary consideration for the execution of this Lease by Lessor, that (i) there
shall be absolutely no personal liability on the part of Lessor, its successors
or assigns and the trustees, members, partners, shareholders, officers,
directors, employees and agents of Lessor and its successors or assigns, to
Lessee with respect to any of the terms, covenants and conditions of this Lease,
(ii) Lessee waives all claims, demands and causes of action against the
trustees, members, partners, shareholders, officers, directors, employees and
agents of Lessor and its successors or assigns in the event of any breach by
Lessor of any of the terms, covenants and conditions of this Lease to be
performed by Lessor, and (iii) Lessee shall look solely to the Properties and
Equipment for the satisfaction of each and every remedy of Lessee in the event
of any breach by Lessor of any of the terms, covenants and conditions of this
Lease to be performed by Lessor, or any other matter in connection with this
Lease, the Properties or the Equipment, such exculpation of liability to be
absolute and without any exception whatsoever.

      37. CONSENT OF LESSOR. (a) Unless specified otherwise herein, Lessor's
consent to any request of Lessee may be conditioned or withheld in Lessor's sole
discretion. Lessor shall have no liability for damages resulting from Lessor's
failure to give any consent, approval or instruction reserved to Lessor,
Lessee's sole remedy in any such event being an action for injunctive relief.

SCS Finance II, L.P.

                                       34

<PAGE>

      (b) It is understood and agreed that to the extent Lessor is required to
obtain the consent, approval, agreement or waiver of Lender with respect to a
matter for which Lessor's approval has been requested under this Lease, Lessor
shall in no event be deemed to have unreasonably withheld Lessor's consent,
approval, agreement or waiver thereof if Lender shall not have given its
approval if required.

      38. WAIVER AND AMENDMENT. No provision of this Lease shall be deemed
waived or amended except by a written instrument unambiguously setting forth the
matter waived or amended and signed by the party against which enforcement of
such waiver or amendment is sought. Waiver of any matter shall not be deemed a
waiver of the same or any other matter on any future occasion. No acceptance by
Lessor of an amount less than the monthly rent and other payments stipulated to
be due under this Lease shall be deemed to be other than a payment on account of
the earliest such rent or other payments then due or in arrears nor shall any
endorsement or statement on any check or letter accompanying any such payment be
deemed a waiver of Lessor's right to collect any unpaid amounts or an accord and
satisfaction.

      39. SUCCESSORS BOUND. Except as otherwise specifically provided herein,
the terms, covenants and conditions contained in this Lease shall bind and inure
to the benefit of the respective heirs, successors, executors, administrators
and assigns of each of the parties hereto.

      40. NO MERGER. The voluntary or other surrender of this Lease by Lessee,
or a mutual cancellation thereof, shall not result in a merger of Lessor's and
Lessee's estates, and shall, at the option of Lessor, either terminate any or
all existing subleases or subtenancies, or operate as an assignment to Lessor of
any or all of such subleases or subtenancies.

      41. CAPTIONS. Captions are used throughout this Lease for convenience of
reference only and shall not be considered in any manner in the construction or
interpretation hereof.

      42. SEVERABILITY. The provisions of this Lease shall be deemed severable.
If any part of this Lease shall be held unenforceable by any court of competent
jurisdiction, the remainder shall remain in full force and effect, and such
unenforceable provision shall be reformed by such court so as to give maximum
legal effect to the intention of the parties as expressed therein.

      43. CHARACTERIZATION. A. It is the intent of the parties hereto that the
business relationship created by this Lease and any related documents is solely
that of a long-term commercial lease between landlord and tenant and has been
entered into by both parties in reliance upon the economic and legal bargains
contained herein. None of the agreements contained herein, is intended, nor
shall the same be deemed or construed, to create a partnership between Lessor
and Lessee, to make them joint venturers, to make Lessee an agent, legal
representative, partner, subsidiary or employee of Lessor, nor to make Lessor in
any way responsible for the debts, obligations or losses of Lessee.

      B. This Lease shall be interpreted and construed in a fair and impartial
manner without regard to such factors as the party which prepared the
instrument, the relative bargaining powers of the parties or the domicile of any
party. Whenever in this Lease any words of obligation or duty are used, such
words or expressions shall have the same force and effect as though made in the
form of a covenant.

      44. EASEMENTS. During the Lease Term Lessor shall have the right to grant
utility easements on, over, under and above any of the Properties without the
prior consent of Lessee, provided that such easements will not materially
interfere with Lessee's long-term use of such Properties.

      45. BANKRUPTCY. A. As a material inducement to Lessor executing this
Lease, Lessee acknowledges and agrees that Lessor is relying upon (i) the
financial condition and specific operating experience of Lessee and Lessee's
obligation to use each of the Properties specifically in accordance with
system-wide requirements imposed from time to time on Permitted Concepts, (ii)
Lessee's timely performance of all of its obligations under this Lease as to all
Properties and Equipment notwithstanding the entry of an order for relief under
the Code for Lessee and (iii) all defaults under this Lease as to all Properties
and Equipment being cured promptly and this Lease being

SCS Finance II, L.P.

                                       35

<PAGE>

assumed within 60 days of any order for relief entered under the Code for
Lessee, or this Lease being rejected within such 60 day period and the
Properties surrendered to Lessor.

      Accordingly, in consideration of the mutual covenants contained in this
Lease and for other good and valuable consideration, Lessee hereby agrees that:

      (i) All obligations that accrue or become due under this Lease (including
the obligation to pay rent), from and after the date that an Action is commenced
shall be timely performed as provided in this Lease and any failure to so
perform shall be harmful and prejudicial to Lessor;

      (ii) Any and all obligations under this Lease that accrue or become due
from and after the date that an Action is commenced and that are not paid as
required by this Lease shall, in the amount of such rents, constitute
administrative expense claims allowable under the Code with priority of payment
at least equal to that of any other actual and necessary expenses incurred after
the commencement of the Action;

      (iii) Any extension of the time period within which Lessee may assume or
reject this Lease without an obligation to cause all obligations accruing or
coming due under this Lease from and after the date that an Action is commenced
to be performed as and when required under this Lease shall be harmful and
prejudicial to Lessor;

      (iv) Any time period designated as the period within which Lessee must
cure all defaults and compensate Lessor for all pecuniary losses which extends
beyond the date of assumption of this Lease shall be harmful and prejudicial to
Lessor;

      (v) Any assignment of this Lease must result in all terms and conditions
of this Lease being assumed by the assignee without alteration or amendment, and
any assignment which results in an amendment or alteration of the terms and
conditions of this Lease without the express written consent of Lessor shall be
harmful and prejudicial to Lessor;

      (vi) Any proposed assignment of this Lease to an assignee: (a) that will
not use the Properties or Equipment specifically as a Permitted Concept in
accordance with the Distributor Agreement and any applicable franchise, license
and/or area development agreements then in effect with respect to the Properties
or Equipment Premises, or (b) that does not possess financial condition,
operating performance and experience characteristics equal to or better than the
financial condition, operating performance and experience of the Lessee Parties
as of the Effective Date, shall be harmful and prejudicial to Lessor;

      (vii) The rejection (or deemed rejection) of this Lease for any reason
whatsoever shall constitute cause for immediate relief from the automatic stay
provisions of the Code, and Lessee stipulates that such automatic stay shall be
lifted immediately and possession of the Properties and Equipment will be
delivered to Lessor immediately without the necessity of any further action by
Lessor; and

      (viii) This Lease shall at all times be treated as consistent with the
specific characterizations set forth in Section 3 of this Lease, and assumption
or rejection of this Lease shall be (a) in its entirety, (b) for all of the
Properties, and (c) in strict accordance with the specific terms and conditions
of this Lease.

      B. No provision of this Lease shall be deemed a waiver of Lessor's rights
or remedies under the Code or applicable law to oppose any assumption and/or
assignment of this Lease, to require timely performance of Lessee's obligations
under this Lease, or to regain possession of the Properties and Equipment as a
result of the failure of Lessee to comply with the terms and conditions of this
Lease or the Code.

      C. Notwithstanding anything in this Lease to the contrary, all amounts
payable by Lessee to or on behalf of Lessor under this Lease, whether or not
expressly denominated as such, shall constitute "rent" for the purposes of the
Code.

SCS Finance II, L.P.

                                       36

<PAGE>

      D. For purposes of this Section addressing the rights and obligations of
Lessor and Lessee in the event that an Action is commenced, the term "Lessee"
shall include Lessee's successor in bankruptcy, whether a trustee, Lessee as
debtor in possession or other responsible person.

      46. NO OFFER. No contractual or other rights shall exist between Lessor
and Lessee with respect to the Properties and Equipment until both have executed
and delivered this Lease, notwithstanding that deposits may have been received
by Lessor and notwithstanding that Lessor may have delivered to Lessee an
unexecuted copy of this Lease. The submission of this Lease to Lessee shall be
for examination purposes only, and does not and shall not constitute a
reservation of or an option for Lessee to lease or otherwise create any interest
on the part of Lessee in the Properties and Equipment.

      47. OTHER DOCUMENTS. Each of the parties agrees to do, execute,
acknowledge and deliver or cause to be done, executed, acknowledged and
delivered all such further acts, documents and assurances as may be reasonably
required or deemed advisable to carry into effect the purposes of this Lease, to
perfect any lien or security interest granted in this Lease and for the better
assuring and confirming of all of Lessor's rights, powers and remedies under
this Lease.

      48. ATTORNEYS' FEES. In the event of any judicial or other adversarial
proceeding between the parties concerning this Lease, to the extent permitted by
law, the prevailing party shall be entitled to recover all of its reasonable
attorneys' fees and other costs in addition to any other relief to which it may
be entitled. In addition, Lessor shall, upon demand, be entitled to all
reasonable attorneys' fees and all other costs incurred in the preparation and
service of any notice or demand hereunder, whether or not a legal action is
subsequently commenced.

      49. ENTIRE AGREEMENT. This Lease and any other instruments or agreements
referred to herein constitute the entire agreement between the parties with
respect to the subject matter hereof, and there are no other representations,
warranties or agreements except as herein provided. Without limiting the
foregoing, Lessee specifically acknowledges that neither Lessor nor any agent,
officer, employee or representative of Lessor has made any representation or
warranty regarding the projected profitability of the business to be conducted
on the Properties. Furthermore, Lessee acknowledges that Lessor did not prepare
or assist in the preparation of any of the projected figures used by Lessee in
analyzing the economic viability and feasibility of the business to be conducted
by Lessee at the Properties.

      50. FORUM SELECTION; JURISDICTION; VENUE; CHOICE OF LAW. Lessee
acknowledges that this Lease was substantially negotiated in the State of
Arizona, this Lease was executed and delivered in the State of Arizona, all
payments under this Lease will be delivered in the State of Arizona (unless
otherwise directed by Lessor or its successors) and there are substantial
contacts between the parties and the transactions contemplated herein and the
State of Arizona. For purposes of any action or proceeding arising out of this
Lease, the parties hereto expressly submit to the jurisdiction of all federal
and state courts located in the State of Arizona. Lessee and Lessor consent that
they may be served with any process or paper by registered mail or by personal
service within or without the State of Arizona in accordance with applicable
law. Furthermore, Lessee and Lessor waive and agree not to assert in any such
action, suit or proceeding that they are not personally subject to the
jurisdiction of such courts, that the action, suit or proceeding is brought in
an inconvenient forum or that venue of the action, suit or proceeding is
improper. The creation of this Lease and the rights and remedies of Lessor with
respect to the Properties, as provided herein and by the laws of the states in
which the Properties are located, as applicable, shall be governed by and
construed in accordance with the internal laws of the states in which the
Properties are located, as applicable, without regard to principles of conflicts
of law. With respect to other provisions of this Lease, this Lease shall be
governed by the internal laws of the State of Arizona, without regard to its
principles of conflicts of law. Nothing contained in this Section shall limit or
restrict the right of Lessor or Lessee to commence any proceeding in the federal
or state courts located in the states in which the Properties are located to the
extent Lessor or Lessee deems such proceeding necessary or advisable to exercise
remedies available under this Lease.

      51. COUNTERPARTS. This Lease may be executed in one or more counterparts,
each of which shall be deemed an original.

      52. MEMORANDUM OF MASTER LEASE. Concurrently with the execution of this
Lease, Lessor and Lessee are executing the Memorandum to be recorded in the
applicable real property records with respect to each of

SCS Finance II, L.P.

                                       37

<PAGE>

the Properties. Further, upon Lessor's request, Lessee agrees to execute and
acknowledge a termination of lease and/or quit claim deed in recordable form
with respect to each of the Properties to be held by Lessor and the Equipment
Premises (with respect to the Equipment to be held by Lessor) until the
expiration or sooner termination of the Lease Term.

      53. NO BROKERAGE. Lessor and Lessee represent and warrant to each other
that they have had no conversation or negotiations with any broker concerning
the leasing of the Properties. Each of Lessor and Lessee agrees to protect,
indemnify, save and keep harmless the other, against and from all liabilities,
claims, losses, costs, damages and expenses, including attorneys' fees, arising
out of, resulting from or in connection with their breach of the foregoing
warranty and representation.

      54. WAIVER OF JURY TRIAL AND PUNITIVE, CONSEQUENTIAL, SPECIAL AND INDIRECT
DAMAGES. LESSOR AND LESSEE HEREBY KNOWINGLY, VOLUNTARILY AND INTENTIONALLY WAIVE
THE RIGHT EITHER MAY HAVE TO A TRIAL BY JURY WITH RESPECT TO ANY AND ALL ISSUES
PRESENTED IN ANY ACTION, PROCEEDING, CLAIM OR COUNTERCLAIM BROUGHT BY EITHER OF
THE PARTIES HERETO AGAINST THE OTHER OR ITS SUCCESSORS WITH RESPECT TO ANY
MATTER ARISING OUT OF OR IN CONNECTION WITH THIS LEASE, THE RELATIONSHIP OF
LESSOR AND LESSEE, LESSEE'S USE OR OCCUPANCY OF ANY OF THE PROPERTIES, AND/OR
ANY CLAIM FOR INJURY OR DAMAGE, OR ANY EMERGENCY OR STATUTORY REMEDY. THIS
WAIVER BY THE PARTIES HERETO OF ANY RIGHT EITHER MAY HAVE TO A TRIAL BY JURY HAS
BEEN NEGOTIATED AND IS AN ESSENTIAL ASPECT OF THEIR BARGAIN. FURTHERMORE, LESSEE
AND LESSOR HEREBY KNOWINGLY, VOLUNTARILY AND INTENTIONALLY WAIVE THE RIGHT
EITHER MAY HAVE TO SEEK PUNITIVE, CONSEQUENTIAL, SPECIAL AND INDIRECT DAMAGES
FROM THE OTHER AND ANY OF THE OTHER'S AFFILIATES, OFFICERS, DIRECTORS OR
EMPLOYEES OR ANY OF THEIR SUCCESSORS WITH RESPECT TO ANY AND ALL ISSUES
PRESENTED IN ANY ACTION, PROCEEDING, CLAIM OR COUNTERCLAIM BROUGHT BY EITHER
PARTY AGAINST THE OTHER OR ANY OF THE OTHER'S AFFILIATES, OFFICERS, DIRECTORS OR
EMPLOYEES OR ANY OF THEIR SUCCESSORS WITH RESPECT TO ANY MATTER ARISING OUT OF
OR IN CONNECTION WITH THIS LEASE OR ANY DOCUMENT CONTEMPLATED HEREIN OR RELATED
HERETO. THE WAIVER BY LESSEE AND LESSOR OF ANY RIGHT THEY MAY HAVE TO SEEK
PUNITIVE, CONSEQUENTIAL, SPECIAL AND INDIRECT DAMAGES HAS BEEN NEGOTIATED BY THE
PARTIES HERETO AND IS AN ESSENTIAL ASPECT OF THEIR BARGAIN.

      55. RELIANCE BY ENVIRONMENTAL INSURER. Lessee acknowledges and agrees that
Environmental Insurer may rely on the representations, warranties and covenants
set forth in Sections 6.L, 16 and 19.B of this Lease, that Environmental Insurer
is an intended third-party beneficiary of such representations, warranties and
covenants and that Environmental Insurer shall have all rights and remedies
available at law or in equity as a result of a breach of such representations,
warranties and covenants, including to the extent applicable, the right of
subrogation.

      56. LENDER'S RIGHTS. A. Lessee acknowledges and agrees that (i) Lessor has
collaterally assigned all of its right, title and interest under this Lease to
Lender pursuant to the Loan Documents and (ii) upon the exercise of Lender's
remedies set forth in such Loan Documents, all of the rights, powers and
privileges of Lessor shall be deemed the rights, powers and privileges of Lender
and Lender shall be entitled to exercise all of the rights and remedies of
"Lessor" under this Lease. Lessee hereby consents to, and no further consent by
Lessee shall be required for, any further assignment of rights of Lessor
hereunder or in connection with any transfer by Lender. All notices,
certificates, reports or other information required to be delivered to Lessor
under this Lease shall be delivered simultaneously to Lender in accordance with
the provisions of Section 29. Notwithstanding any provision herein to the
contrary, the collateral assignment of this Lease to Lender shall not be deemed
to create any obligation of or liability for Lender.

      B. Lessee acknowledges and agrees that Lender may rely on all of the
representations, warranties and covenants set forth in this Lease, that Lender
is an intended third-party beneficiary of such representations, warranties and
covenants and that Lender shall have all rights and remedies available at law or
in equity as a result of a breach of such representations, warranties and
covenants, including to the extent applicable, the right of subrogation.

SCS Finance II, L.P.

                                       38

<PAGE>

      C. Lessee agrees that any consent, approval, agreement or waiver provided
by Lessor pursuant to this Lease shall not be valid unless consented to in
writing by Lender.

      57. DOCUMENT REVIEW. In the event Lessee makes any request upon Lessor
requiring Lessor or the attorneys of Lessor to review and/or prepare (or cause
to be reviewed and/or prepared) any documents, plans, specifications or other
submissions in connection with or arising out of this Lease, then Lessee shall
reimburse Lessor upon demand therefor for all out-of-pocket costs and expenses
incurred by Lessor in connection with such review and/or preparation, including,
without limitation, reasonable attorneys' fees.

      58. STATE SPECIFIC PROVISIONS. The provisions and/or remedies which are
set forth on Schedule II shall be deemed a part of and included within the terms
and conditions of this Lease.

      59. CORPORATE FIXED CHARGE COVERAGE RATIO. Lessee shall maintain a
Corporate Fixed Charge Coverage Ratio of at least 1.25:1 for each of its fiscal
years during the Lease Term. For purposes of this Section, the term "Corporate
Fixed Charge Coverage Ratio" shall mean with respect to that fiscal year, the
ratio calculated for such fiscal year, each as determined in accordance with
GAAP, of (a) the sum of Net Income, Depreciation and Amortization, Interest
Expense and Operating Lease Expense, minus income taxes or charges equivalent to
income taxes allocable to that fiscal year, to (b) the sum of, without
duplication, Operating Lease Expense, scheduled principal payments of long term
Debt, scheduled maturities of all Capital Leases and Interest Expense (excluding
non-cash interest expense and amortization of non-cash financing expenses).

      For purposes of this Section, the following terms shall be defined as set
forth below:

            "Capital Lease" shall mean all leases of any property, whether real,
      personal or mixed, by Lessee or any of the other Lessee Parties, as
      applicable, which lease would, in conformity with GAAP, be required to be
      accounted for as a capital lease on the balance sheet of Lessee. The term
      "Capital Lease" shall not include any operating lease.

            "Debt" shall mean with respect to Lessee, and for the period of
      determination (i) indebtedness for borrowed money, (ii) obligations
      evidenced by bonds, indentures, notes or similar instruments, (iii)
      obligations to pay the deferred purchase price of property or services,
      (iv) obligations under leases which should be, in accordance with GAAP,
      recorded as Capital Leases, and (v) obligations under direct or indirect
      guarantees in respect of, and obligations (contingent or otherwise) to
      purchase or otherwise acquire, or otherwise to assure a creditor against
      loss in respect of, indebtedness or obligations of others of the kinds
      referred to in clauses (i) through (iv) above.

            "Depreciation and Amortization" shall mean the depreciation and
      amortization accruing during any period of determination with respect to
      Lessee and the other Lessee Parties, collectively, as determined in
      accordance with GAAP.

            "Interest Expense" shall mean for any period of determination, the
      sum of all interest accrued or which should be accrued in respect of all
      Debt of Lessee and the other Lessee Parties, collectively, as determined
      in accordance with GAAP.

            "Net Income" shall mean with respect to the period of determination,
      the net income or net loss of Lessee and the other Lessee Parties,
      collectively. In determining the amount of Net Income, (i) adjustments
      shall be made for nonrecurring gains and losses or non-cash items
      allocable to the period of determination, (ii) deductions shall be made
      for, among other things, Depreciation and Amortization, Interest Expense,
      Operating Lease Expense and actual corporate and district overhead expense
      allocable to the period of determination, and (iii) no deductions shall be
      made for income taxes or charges equivalent to income taxes allocable to
      the period of determination, as determined in accordance with GAAP.

            "Operating Lease Expense" shall mean the sum of all payments and
      expenses incurred by Lessee and the other Lessee Parties, collectively,
      under any operating leases during the period of determination, as
      determined in accordance with GAAP.

SCS Finance II, L.P.

                                       39

<PAGE>

      60. PARTNERS' CAPITAL. Lessee shall at all times maintain partners'
capital of at least $10,000,000.00 as determined in accordance with GAAP.

      61. EXCESS LAND. If, at any time following the Closing, the any portion of
that parcel of land included in the Property referred to as Store No. 809
located at 4601 N. A St., Midland, Texas ("809 Premises") is released from the
lien of the Mortgage in favor of Lender, as permitted by the Loan Documents,
then this Lease shall automatically terminate as to the portion of the 809
Premises released from such Mortgage, but not as to the remaining portion of the
809 Premises, without any reduction in the Base Annual Rental, Base Monthly
Rental, any Additional Rental or any other amount owing by Lessee under this
Lease or any other obligation of Lessee under this Lease.

      62. PARTIAL TERMINATION OF LEASE. If Lessor has performed and satisfied
all of its obligations, liabilities and duties under the Equipment Loan
Documents, including, without limitation, payment of all principal and interest
outstanding on the Equipment Notes, then Lessor and Lessee, at any time after
the 10th anniversary of the Effective Date, may terminate this Lease as to the
Leasehold Equipment only, in accordance with a termination agreement acceptable
to Lender.

                             SIGNATURE PAGE FOLLOWS

SCS Finance II, L.P.

                                       40

<PAGE>

      IN WITNESS WHEREOF, Lessor and Lessee have entered into this Lease as of
the Effective Date.

                              LESSOR:

                              SCS FINANCE II, L.P., a Delaware
                              limited partnership

                              By: SCS Finance GP LLC, a Delaware limited
                                  liability company, its general partner

                                  By: SCS Finance, Inc., a Delaware corporation,
                                      its managing member

                                      By /s/ JEFFREY D. MORRIS
                                         ---------------------------------------
                                          Jeffrey D. Morris, President

                              LESSEE:

                              SOUTHWEST CONVENIENCE STORES, LP, a Texas limited
                              partnership

                              By: Alon USA Interests, LLC, a Texas limited
                                  liability company, its general partner

                                  By /s/ JEFFREY D. MORRIS
                                     -------------------------------------------
                                      Jeffrey D. Morris
                                      Chairman of the Board of Managers

                              U.S. Federal Tax Identification Number:

                              17526797331
                              --------------------------------------------------

                              Organization Identification Number:

                              800127686
                              --------------------------------------------------
<PAGE>

                                POWER OF ATTORNEY

      Lessor may act as attorney-in-fact or otherwise on behalf of Lessee
pursuant to Sections 25 and 26 of this Lease. This power of attorney is coupled
with an interest, is durable and is not affected by subsequent disability or
incapacity of the principal or lapse of time.

         /s/ J.R.                           /s/ J.D.M.
         --------                           ----------
         Witness                            Lessee

                                     WITNESS

      In accordance with the requirements of Arizona Revised Statutes Section
14-5506 and other applicable law, the undersigned has executed this Lease for
the purpose of witnessing the grant of the powers of attorney by Lessee to
Lessor.

SCS Finance II, L.P.

                                            /s/ JERI RHODES
                                            -----------------------------------
                                       42

<PAGE>

STATE OF ARIZONA   )
                   ) SS.
COUNTY OF MARICOPA )

      The foregoing instrument was acknowledged before me on September 27, 2002
by Jeffrey D. Morris, President of SCS Finance, Inc., a Delaware corporation,
Managing Member of SCS Finance GP LLC, a Delaware limited liability company, the
General Partner of SCS Finance II, L.P., a Delaware limited partnership, on
behalf of the partnership.

                                           /s/ DEBBIE L. SUMAN
                                           -------------------------------------
                                           Notary Public

My Commission Expires:

   5-5-06                                  [SEAL]
---------------------------------------

STATE OF ARIZONA   )
                   ) SS.
COUNTY OF MARICOPA )

      The foregoing instrument was acknowledged before me on September 27, 2002
by Jeffrey D. Morris, Chairman of the Board of Managers of Alon USA Interests,
LLC, a Texas limited liability company, general partner of Southwest Convenience
Stores, LP, a Texas limited partnership, on behalf of the partnership.

                                           /s/ DEBBIE L. SUMAN
                                           -------------------------------------
                                           Notary Public

My Commission Expires

   5-5-06
---------------------------------------    [SEAL]

SCS Finance II, L.P.

                                       43

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