Document:

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Exhibit 10.16 to 2002 10-K

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                              AMENDED AND RESTATED
                                 TRUST AGREEMENT

                          dated as of December 31, 1998

                                     between

                               The Several Holders
                        from Time to Time Parties Hereto,
                                 as the Holders,

                                       and

                   FIRST SECURITY BANK, NATIONAL ASSOCIATION,
                              as the Owner Trustee

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                             CRT REALTY TRUST 1998-1

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                                TABLE OF CONTENTS

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                                                                                                      Page
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<S>                                                                                                    <C>
ARTICLE I  DEFINITIONS..................................................................................2
   SECTION 1.1 Definitions..............................................................................2
   SECTION 1.2 Interpretation...........................................................................2
   SECTION 1.3 Prohibitions Against Transfer............................................................2
ARTICLE II  AUTHORITY TO EXECUTE AND PERFORM VARIOUS DOCUMENTS; DECLARATION OF TRUST BY TRUST COMPANY...2
   SECTION 2.1 Authority To Execute and Perform Various Documents.......................................2
   SECTION 2.2 Declaration of Trust by Trust Company....................................................3
   SECTION 2.3 Acknowledgement of the Agent's Interest as Mortgagee and Lienholder......................3
ARTICLE III  CONTRIBUTIONS AND PAYMENTS.................................................................4
   SECTION 3.1 Procedure for Holder Advances; Certificates..............................................4
   SECTION 3.2 Holder Yield.............................................................................5
   SECTION 3.3 Scheduled Return of Holder Advances......................................................6
   SECTION 3.4 Early Return of Advances.................................................................6
   SECTION 3.5 Payments from Trust Estate Only..........................................................7
   SECTION 3.6 Method of Payment........................................................................7
   SECTION 3.7 Computation of Yield.....................................................................7
   SECTION 3.8 Conversion and Continuation Options......................................................8
   SECTION 3.9 Notice of Amounts Payable................................................................9
   3.10 Increase in Holder Commitments..................................................................9
ARTICLE IV  COLLECTIONS AND DISTRIBUTIONS...............................................................9
   SECTION 4.1 Collections and Remittances by the Owner Trustee.........................................9
   SECTION 4.2 Priority of Distributions................................................................9
   SECTION 4.3 Excepted Payments.......................................................................10
   SECTION 4.4 Distributions after Default.............................................................10
ARTICLE V  DUTIES OF THE OWNER TRUSTEE.................................................................10
   SECTION 5.1 Notice of Certain Events................................................................10
   SECTION 5.2 Action Upon Instructions................................................................11
   SECTION 5.3 Indemnification.........................................................................11
   SECTION 5.4 No Duties Except as Specified In Trust Agreement or Instructions........................11
   SECTION 5.5 No Action Except Under Specified Documents or Instructions..............................12
   SECTION 5.6 Absence of Duties.......................................................................12
ARTICLE VI  THE OWNER TRUSTEE..........................................................................13
   SECTION 6.1 Acceptance of Trust and Duties..........................................................13
   SECTION 6.2 Furnishing of Documents.................................................................13
   SECTION 6.3 No Representations or Warranties as to the Properties or Operative Agreements...........13
   SECTION 6.4 No Segregation of Moneys; No Interest...................................................14
   SECTION 6.5 Reliance; Advice of Counsel.............................................................14
   SECTION 6.6 Liability With Respect to Documents.....................................................14
   SECTION 6.7 Not Acting In Individual Capacity.......................................................15
</TABLE>

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<TABLE>
<S>                                                                                                    <C>
   SECTION 6.8 Books and Records; Tax Returns..........................................................15
ARTICLE VII  INDEMNIFICATION OF THE OWNER TRUSTEE......................................................15
   SECTION 7.1 Indemnification Generally...............................................................15
   SECTION 7.2 Compensation and Expenses...............................................................16
ARTICLE VIII  TERMINATION OF TRUST AGREEMENT...........................................................16
   SECTION 8.1 Termination of Trust Agreement..........................................................16
   SECTION 8.2 Termination at Option of the Holders....................................................16
   SECTION 8.3 Termination at Option of the Owner Trustee..............................................17
   SECTION 8.4 Actions by the Owner Trustee Upon Termination...........................................17
ARTICLE IX.............................................................................................17
SUCCESSOR OWNER TRUSTEES, CO-OWNER TRUSTEES AND SEPARATE OWNER TRUSTEES................................17
   SECTION 9.1 Resignation of the Owner Trustee; Appointment of Successor..............................17
   SECTION 9.2 Co-Trustees and Separate Trustees.......................................................18
   SECTION 9.3 Notice..................................................................................21
ARTICLE X   AMENDMENTS.................................................................................21
   SECTION 10.1 Amendments.............................................................................21
   SECTION 10.2 Limitation on Amendments...............................................................21
ARTICLE XI  MISCELLANEOUS..............................................................................22
   SECTION 11.1 No Legal Title to Trust Estate in the Holders..........................................22
   SECTION 11.2 Sale of a Property by the Owner Trustee is Binding.....................................22
   SECTION 11.3 Limitations on Rights of Others........................................................22
   SECTION 11.4 Notices................................................................................22
   SECTION 11.5 Severability...........................................................................23
   SECTION 11.6 Limitation on the Holders' Liability...................................................23
   SECTION 11.7 Separate Counterparts..................................................................23
   SECTION 11.8 Successors and Assigns.................................................................23
   SECTION 11.9 Headings...............................................................................23
   SECTION 11.10 Governing Law.........................................................................23
   SECTION 11.11 Performance by the Holders............................................................23
   SECTION 11.12 Conflict with Operative Agreements....................................................24
   SECTION 11.13 No Implied Waiver.....................................................................24
   SECTION 11.14 SUBMISSION TO JURISDICTION; VENUE.....................................................24
</TABLE>

Schedule I - Holder Commitments

EXHIBIT A - Form of Holder Certificate

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                      AMENDED AND RESTATED TRUST AGREEMENT

     THIS AMENDED AND RESTATED TRUST AGREEMENT, dated as of December 31, 1998 as
amended, modified, extended, supplemented, restated and/or replaced from time to
time, the "Trust Agreement"), is among the several banks and other financial
institutions from time to time parties to this Trust Agreement (individually,
each of the foregoing may be referred to as a "Holder", and collectively, the
foregoing together with such other persons and entities that become holders
hereunder, the "Holders") and FIRST SECURITY BANK, NATIONAL ASSOCIATION, in its
individual capacity ("Trust Company"), and in its capacity as owner trustee
hereunder, together with its successors and assigns (the "Owner Trustee") and
amends that certain Trust Agreement dated as of September 10, 1998, by and among
NATIONSBANK, N.A., a national banking association, as holder of the beneficial
interest in the Trust (the "Original Holder"), and the Trust Company and Owner
Trustee.

     WHEREAS, the Original Holder formed the Trust originally for the purpose of
providing a vehicle to allow the Trust to be a tenant with respect to the
groundlease of a Property located in Seminole County, Florida, and construct
improvements thereon as contemplated by the terms and conditions of that certain
Indemnification Agreement dated as of September 10, 1998, among Convergys
Corporation, an Ohio corporation (the "Company" or "Convergys"), Cincinnati Bell
Information Systems Inc. (a predecessor in interest to Convergys Information
Management Group, Inc.), an Ohio corporation ("CBIS"), Matrixx Marketing Inc. (a
predecessor in interest to Convergys Customer Management Group, Inc.), an Ohio
corporation ("Matrixx"), the Owner Trustee and the Original Holder; and

     WHEREAS, the Holders desire to provide for the Trust to exist for the
revised purpose of (a) developing, acquiring, installing, constructing and
testing various Properties and leasing such Properties to Lessee and (b)
carrying out certain transactions contemplated by the Operative Agreements; and

     WHEREAS, in order to provide a portion of the funds for carrying out the
other transactions contemplated by the Operative Agreements, the Holders will
make Holder Advances pursuant to this Trust Agreement and the Participation
Agreement (as defined below); and

     WHEREAS, Trust Company is willing to continue to act as trustee hereunder
and to continue to accept the trust as amended and restated hereby (the
"Trust").

     NOW, THEREFORE, in consideration of the premises and of the mutual
agreements herein contained and of other good and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged, the parties hereto
agree to amend and restate the Trust Agreement in its entirety as follows:

<PAGE>

                                    ARTICLE I

                                   DEFINITIONS

     SECTION 1.1 Definitions.

     For purposes of this Trust Agreement (including without limitation the
"WHEREAS" clauses set forth above), capitalized terms used in this Trust
Agreement and not otherwise defined herein shall have the meanings assigned to
them in Appendix A to that certain Participation Agreement dated as of December
31, 1998 (as amended, modified, extended, supplemented, restated and/or replaced
from time to time in accordance with the applicable provisions thereof, the
"Participation Agreement") among Convergys Corporation, as Construction Agent
and Lessee, the various parties thereto from time to time, as the Guarantors,
the Owner Trustee, the various banks and other lending institutions which are
parties thereto from time to time, as the Holders, the various banks and other
lending institutions which are parties thereto from time to time, as the
Lenders, and NationsBank, N.A., as agent for the Lenders and respecting the
Security Documents, as the agent for the Lenders and the Holder, to the extent
of their interests. Unless otherwise indicated, references in this Trust
Agreement to articles, sections, paragraphs, clauses, appendices, schedules and
exhibits are to the same contained in this Trust Agreement.

     SECTION 1.2 Interpretation.

     The rules of usage set forth in Appendix A to the Participation Agreement
shall apply to this Trust Agreement.

     SECTION 1.3 Prohibitions Against Transfer.

     NationsBank, N.A. may not participate, assign or transfer all or any
portion of its interest hereunder or under the other Operative Agreements unless
the sum of the Holder Commitments and Lender Commitments in the aggregate
exceeds $30,000,000. NationsBank, N.A. may not, directly or indirectly, assign,
convey or otherwise transfer any of its right, title or interest in or to the
Trust Estate or the Operative Agreements unless the sum of the Holder
Commitments and the Lender Commitments in the aggregate exceeds $30,000,000.

                                   ARTICLE II

               AUTHORITY TO EXECUTE AND PERFORM VARIOUS DOCUMENTS;
                      DECLARATION OF TRUST BY TRUST COMPANY

     SECTION 2.1 Authority To Execute and Perform Various Documents.

     Each Holder hereby authorizes and directs the Owner Trustee (a) to execute
and deliver, as trustee for and on behalf of each such Holder, each Operative
Agreement to which the Owner

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Trustee is a party and any other agreements, instruments, certificates or
documents related to the transactions contemplated hereby to which the Owner
Trustee is a party, (b) to take whatever action shall be required to be taken by
the Owner Trustee by the terms of, and exercise its rights and perform its
duties under, each of the documents, agreements, instruments and certificates
referred to in clause (a) above as set forth in such documents, agreements and
certificates, and (c) subject to the terms of this Trust Agreement, to take such
other action in connection with the foregoing as the Holders may from time to
time direct.

     SECTION 2.2 Declaration of Trust by Trust Company.

          (a) Trust Company hereby declares that it will hold all estate, right,
     title and interest of the Owner Trustee in, to and under each Property,
     each Holder Advance, the Operative Agreements and any other property
     contributed by any Holder, including without limitation all amounts of
     Rent, insurance proceeds and condemnation awards, indemnity or other
     payments of any kind (collectively, the "Trust Estate") as the Owner
     Trustee upon the trusts set forth herein and for the use and benefit of
     each Holder, subject, however, to the provisions of the Credit Agreement
     and the Security Documents. The name of the Trust shall be "CRT Realty
     Trust 1998-1."

          (b) The sole purpose of the Trust is to hold title to the Trust Estate
     for the benefit of the Holders and to engage in activities ancillary and
     incidental thereto as the Holders shall determine to be desirable. Except
     in connection with the foregoing, the Owner Trustee shall not (i) engage in
     any business activity, (ii) have any property, rights or interest, whether
     real or personal, tangible or intangible, (iii) incur any legal liability
     or obligation, whether fixed or contingent, matured or unmatured, other
     than in the normal course of the administration of the Trust or (iv)
     subject any of its property or assets to any mortgage, Lien, security
     interest or other claim or encumbrance, other than in favor of the Lenders
     or the Holders pursuant to the provisions of the Operative Agreements and
     this Trust Agreement. THIS TRUST IS NOT A BUSINESS TRUST. THE SOLE PURPOSE
     OF THE TRUST IS TO ACQUIRE AND HOLD TITLE TO THE TRUST ESTATE, SUBJECT TO
     THE RIGHTS OF THE LENDERS, FOR THE BENEFIT OF THE HOLDERS. THE OWNER
     TRUSTEE MAY NOT TRANSACT BUSINESS OF ANY KIND WITH RESPECT TO ANY PROPERTY
     COMPRISING THE TRUST ESTATE NOR SHALL THIS AGREEMENT BE DEEMED TO BE, OR
     CREATE OR EVIDENCE THE EXISTENCE OF A CORPORATION DE FACTO OR DE JURE, OR A
     MASSACHUSETTS TRUST, OR ANY OTHER TYPE OF BUSINESS TRUST, ASSOCIATION OR
     JOINT VENTURE BETWEEN THE OWNER TRUSTEE, THE HOLDERS, THE AGENT AND THE
     LENDERS.

     SECTION 2.3 Acknowledgement of the Agent's Interest as Mortgagee and
                 Lienholder.

     The Holders and the Owner Trustee acknowledge and agree that to the extent
the interests of the Owner Trustee in the Trust Estate (or any part thereof) is
recharacterized as a mortgagee's interest or otherwise as a lienholder's
interest, then such mortgagee's interest and/or such other

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lienholder's interest has been assigned to the Agent as security for the
obligations owed to the Lenders and the Holders pursuant to the Operative
Agreements.

                                   ARTICLE III

                           CONTRIBUTIONS AND PAYMENTS

     SECTION 3.1 Procedure for Holder Advances; Certificates.

          (a) Upon receipt from Lessee by the Agent of a Requisition, and
     subject to the terms and conditions of the Participation Agreement, the
     Agent shall request from each Holder its pro rata share of any Advance and
     each Holder shall make its own pro rata share of any Advance under the
     Holder Commitment of such Holder, as set forth on Schedule 1 hereto, on
     each date Advances are made pursuant to Section 5 of the Participation
     Agreement. The Agent may request an Advance under the Holder Commitments
     during the Commitment Period on any date that an Advance may be requested
     pursuant to the terms of Section 5.2(a) of the Participation Agreement,
     provided, that the Agent shall give each Holder irrevocable notice (which
     notice must be received by such Holder no less than three (3) Business Days
     prior to the requested date of the Holder Advance) specifying (i) the
     amount to be advanced (which on any date shall not be in excess of the then
     Available Holder Commitment), (ii) the requested date of advance, (iii)
     whether the Holder Advance is to be a Eurodollar Holder Advance or an ABR
     Holder Advance or a combination thereof, (iv) if the Holder Advance is to
     be a combination of Eurodollar Holder Advances and ABR Holder Advances, the
     respective amounts of each type of Holder Advance and (v) the Interest
     Period applicable to any Eurodollar Holder Advances. Pursuant to the terms
     of the Participation Agreement, the Agent shall be deemed to have delivered
     such notice upon the delivery of a notice by the Construction Agent or
     Lessee containing such required information.

          (b) Upon receipt of any such notice delivered pursuant to Section
     3.1(a), each Holder shall make the amount of its Advance available to the
     Agent for the account of the Owner Trustee at the office of the Agent
     referred to in Section 12.2 of the Participation Agreement (or at such
     other address as may be identified by the Agent from time to time) prior to
     12:00 Noon, Eastern time on the date requested by Lessee in funds
     immediately available to the Owner Trustee.

          (c) Holder Yield accruing on each Holder Advance during the
     Construction Period with respect to any property shall, subject to the
     limitations set forth in Section 5.1(b) of the Participation Agreement, be
     added to the amount of the Holder Advance on the relevant Scheduled
     Interest Payment Date. On such Scheduled Interest Payment Date, the Holder
     Property Cost and Holder Construction Property Cost shall be increased by
     the amount of Holder Yield added to the Holder Advance.

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          (d) The Holder Advances made by each Holder to the Trust Estate shall
     be evidenced by a Certificate of the Owner Trustee, substantially in the
     form of Exhibit A hereto, issued in the name of the Holder and in an amount
     equal to the Holder Commitment of such Holder. Each Certificate shall (i)
     be dated on or about the Initial Closing Date, (ii) be stated to mature on
     the Maturity Date and (iii) bear a yield on the unpaid Holder Amount
     thereof from time to time outstanding at the Holder Yield.

          (e) To the extent that the Owner Trustee, in its capacity as Borrower
     under the Credit Agreement, shall have elected to terminate or reduce the
     amount of the Commitments pursuant to Section 2.5(a) of the Credit
     Agreement, a pro rata election shall be deemed to have been made with
     respect to the Holder Commitment. The Holder Commitments respecting any
     particular Property shall automatically be reduced to zero (0) upon the
     occurrence of the Rent Commencement Date respecting such Property. On any
     date on which the Commitments shall be reduced to zero (0) as a result of a
     Credit Agreement Event of Default, the Holder Commitments shall
     automatically be reduced to zero (0) and the Owner Trustee shall prepay the
     Certificates in full for the outstanding Holder Amount, together with
     accrued but unpaid Holder Yield thereon and all other amounts owing under
     the Certificates.

     SECTION 3.2 Holder Yield.

          (a) Holder Advances shall bear yield payable by the Owner Trustee and
     calculated at the rate of Holder Yield applicable from time to time. The
     Owner Trustee shall pay to each Holder, from the Trust Estate, its pro rata
     portion of Holder Yield on Holder Advances made hereunder. Payment of
     Holder Yield to each Holder shall be made in arrears on each Scheduled
     Interest Payment Date occurring after the Rent Commencement Date or as
     otherwise provided herein or in Section 2.6 of the Credit Agreement or
     Section 8.7 of the Participation Agreement.

          (b) If (i) all or a portion of Holder Yield shall not be received by
     the Holders when due (whether at the stated maturity, by acceleration or
     otherwise) or (ii) (A) a replacement Construction Agent is hired in
     accordance with the provisions of the Agency Agreement, (B) Completion of
     all Properties has not occurred on prior to the Construction Period
     Termination Date or (C) the cost of any Property exceeds the original
     Construction Budget therefor (or the applicable Construction Budget
     modified in accordance with the Operative Agreements) in each case as
     previously delivered to the Agent, such overdue amount (in the case of
     Section 3.2(b)(i)) or all Holder Advances, Holder Yield and all other
     amounts payable hereunder (in the case of Section 3.2(b)(ii)) shall,
     without limiting the rights of the Holders hereunder or under any Operative
     Agreement, bear interest at the Holder Overdue Rate, in each case from the
     date of nonpayment until paid (whether after or before judgment) (in the
     case of Section 3.2(b)(i)) or (y) Completion of all Properties (in the case
     of Section 3.2(b)(ii)). All such amounts referenced in this Section 3.2(b)
     shall be paid upon demand.

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     SECTION 3.3 Scheduled Return of Holder Advances.

     The outstanding Holder Amount shall be due in full on the Expiration Date.
On each such date and on the Expiration Date, subject to the terms of the
Participation Agreement, the Owner Trustee shall pay to each Holder its portion
of the aggregate Holder Amount then due, together with all accrued but unpaid
Holder Yield and all other amounts due to such Holders from the Owner Trustee
hereunder or under the Operative Agreements.

     SECTION 3.4 Early Return of Advances.

          (a) Subject to Sections 11.2(e), 11.3 and 11.4 of the Participation
     Agreement, the Owner Trustee may at any time and from time to time prepay
     the Certificates, in whole or in part, without premium or penalty, upon at
     least three (3) Business Days' irrevocable notice to the Agent, on behalf
     of the Holders, specifying the date and amount of prepayment and whether
     the prepayment is of ABR Holder Advances or Eurodollar Holder Advances or a
     combination thereof, and, if a combination thereof, the amount allocable to
     each. Upon receipt of such notice, the Agent shall promptly notify the
     Holders thereof. If such notice is given, the amount specified in such
     notice shall be due and payable on the date specified therein. Amounts
     prepaid shall not be readvanced, except as set forth in Section 5.2(d) of
     the Participation Agreement.

          (b) If on any date the Agent or the Owner Trustee shall receive any
     payment in respect of (i) any Casualty, Condemnation or Environmental
     Violation pursuant to Sections 15.1(a) or 15.1(g) or Article XVI of the
     Lease (excluding any payments in respect thereof which are payable to
     Lessee in accordance with the Lease), or (ii) the Termination Value of any
     Property in connection with the delivery of a Termination Notice pursuant
     to Article XVI of the Lease, or (iii) the Termination Value of any Property
     or such other applicable amount in connection with the exercise of a
     Purchase Option under Article XX of the Lease or the exercise of the option
     of the Owner Trustee to transfer the Properties to the Lessee pursuant to
     Section 20.3 of the Lease or (iv) any payment required to be made or
     elected to be made by the Construction Agent to the Owner Trustee pursuant
     to the Agency Agreement, then in each case, the Holders shall receive
     proceeds in accordance with Section 8.7(b) of the Participation Agreement.

          (c) Each prepayment of the Certificates pursuant to Section 3.4(a)
     shall be allocated to reduce the respective Holder Property Costs of all
     Properties pro rata according to the Holder Property Costs of such
     Properties immediately before giving effect to such prepayment. Each
     prepayment of the Certificates pursuant to Section 3.4(b) shall be
     allocated to reduce the Holder Property Cost of the Property or Properties
     subject to the respective Casualty, Condemnation, Environmental Violation,
     termination, purchase, transfer or other circumstance giving rise to such
     prepayment.

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<PAGE>

     SECTION 3.5 Payments from Trust Estate Only.

     All payments to be made by the Owner Trustee under this Trust Agreement
(including without limitation any payments pursuant to Section 11.4 of the
Participation Agreement) shall be made only from the income and proceeds from
the Trust Estate and only to the extent that the Owner Trustee shall have
received income or proceeds from the Trust Estate to make such payments in
accordance with the terms hereof, except as specifically provided in Section
6.1. Each Holder agrees that it will look solely to the income and proceeds from
the Trust Estate to the extent available for payment as herein provided and
that, except as specially provided in any Operative Agreement, Trust Company
shall not be liable to any Holder for any amounts payable under this Trust
Agreement and shall not be subject to any liability under this Trust Agreement.

     SECTION 3.6 Method of Payment.

     All amounts payable to a Holder pursuant to this Trust Agreement shall be
paid or caused to be paid by the Owner Trustee to, or for the account of, such
Holder, or its nominee, by transferring such amount in immediately available
funds to a bank institution or banking institutions with bank wire transfer
facilities for the account of such Holder or as otherwise instructed in writing
from time to time by such Holder.

     SECTION 3.7 Computation of Yield.

          (a) Whenever it is calculated on the basis of the Prime Lending Rate,
     Holder Yield shall be calculated on the basis of a year of three hundred
     sixty-five (365) days (or three hundred sixty-six (366) days, as the case
     may be) for the actual days elapsed; and, otherwise, Holder Yield shall be
     calculated on the basis of a year of three hundred sixty (360) days for the
     actual days elapsed. Any change in the Holder Yield resulting from a change
     in the ABR or the Eurocurrency Reserve Requirements shall become effective
     as of the opening of business on the day on which such change becomes
     effective.

          (b) Pursuant to Section 12.12 of the Participation Agreement, the
     calculation of Holder Yield under this Section 3.7 shall be made by the
     Agent. Each determination of an interest rate by the Agent shall be
     conclusive and binding on the Owner Trustee and the Holders in the absence
     of manifest error.

          (c) If the Eurodollar Rate cannot be determined by the Agent in the
     manner specified in the definition of the term "Eurodollar Rate", the Owner
     Trustee shall give or cause to be given telecopy or telephonic notice
     thereof to the Lessee and the Holders as soon as practicable after receipt
     of same from the Agent. Commencing on the Scheduled Interest Payment Date
     next occurring after the delivery of such notice and continuing until such
     time as the Eurodollar Rate can be determined by the Agent in the manner
     specified in the definition of such term, all outstanding Holder Advances
     shall bear a yield at the ABR. Until such time as the Eurodollar Rate can
     be determined by the Agent in the manner specified in the definition of
     such term, no further Eurodollar Holder Advances shall be made or shall be
     continued as such at the end of the then current

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<PAGE>

     Interest Period nor shall the Owner Trustee have the right to convert ABR
     Holder Advances to Eurodollar Holder Advances.

     SECTION 3.8 Conversion and Continuation Options.

          (a) The Owner Trustee may elect from time to time to convert
     Eurodollar Holder Advances to ABR Holder Advances by giving the Agent (on
     behalf of the Holders) at least three (3) Business Days' prior irrevocable
     notice of such election, provided, that any such conversion of Eurodollar
     Holder Advances may only be made on the last day of an Interest Period with
     respect thereto, and provided, further, to the extent an Event of Default
     has occurred and is continuing on the last day of any such Interest Period,
     the applicable Eurodollar Holder Advance shall automatically be converted
     to an ABR Holder Advance. The Owner Trustee may elect from time to time to
     convert ABR Holder Advances to Eurodollar Holder Advances by giving the
     Agent (on behalf of the Holders) at least three (3) Business Days' prior
     irrevocable notice of such election. Any such notice of conversion to
     Eurodollar Holder Advances shall specify the length of the initial Interest
     Period or Interest Periods therefor. Upon receipt of any such notice, the
     Agent (on behalf of the Holders) shall promptly notify each Holder thereof.
     All or any part of outstanding Eurodollar Holder Advances or ABR Holder
     Advances may be converted as provided herein, provided, that (i) no ABR
     Holder Advance may be converted into a Eurodollar Holder Advance after the
     date that is one (1) month prior to the Maturity Date and (ii) such notice
     of conversion shall contain an election by the Owner Trustee of an Interest
     Period for such Eurodollar Holder Advance to be created by such conversion
     and such Interest Period shall be in accordance with the terms of the
     definition of the term "Interest Period" including without limitation
     subparagraphs (A) through (D) thereof.

          (b) Subject to the restrictions set forth in Section 3.1, any
     Eurodollar Holder Advance may be continued as such upon the expiration of
     the then current Interest Period with respect thereto by the Owner Trustee
     giving irrevocable notice to the Agent (on behalf of the Holders) in
     accordance with the notice provisions for the conversion of ABR Holder
     Advances to Eurodollar Holder Advances set forth herein and the applicable
     provisions of the term "Interest Period" of the length of the next Interest
     Period to be applicable to such Eurodollar Holder Advances, provided, that
     no Eurodollar Holder Advance may be continued as such after the date that
     is one (1) month prior to the Maturity Date, provided, further, no
     Eurodollar Holder Advance may be continued as such if an Event of Default
     has occurred and is continuing as of the last day of the Interest Period
     for such Eurodollar Holder Advance, and provided, further, that if the
     Owner Trustee shall fail to give any required notice as described above or
     if such continuation is not permitted pursuant to the preceding proviso or
     otherwise, such Advances shall automatically be converted to ABR Advances
     on the last day of such then expiring Interest Period.

                                        8

<PAGE>

     SECTION 3.9 Notice of Amounts Payable.

          (a) In the event that any Holder becomes aware that any amounts are or
     will be owed to it pursuant to Sections 11.2(e) or 11.3 of the
     Participation Agreement or that it is unable to make Holder Advances which
     bear a yield based on the Eurodollar Rate plus the Applicable Percentage
     for Eurodollar Holder Advances, then it shall promptly notify the Owner
     Trustee thereof and, as soon as possible thereafter, such Holder shall
     submit to the Owner Trustee a certificate indicating the amount owing to it
     and the calculation thereof. The amounts set forth in such certificate
     shall be prima facie evidence of the obligations of the Owner Trustee
     hereunder.

          (b) [Intentionally Omitted]

     3.10 Increase in Holder Commitments.

     The parties to this Agreement hereby acknowledge that the Holder
Commitments may be increased in accordance with the express provisions of the
Operative Agreements (including without limition Section 5.13 of the
Participation Agreement).

                                   ARTICLE IV

                          COLLECTIONS AND DISTRIBUTIONS

     SECTION 4.1 Collections and Remittances by the Owner Trustee.

     The Owner Trustee agrees that, subject to the provisions of this Trust
Agreement and the Operative Agreements, it will during the term of this Trust
administer the Trust Estate and, at the direction of the Holders, take steps to
collect all Rent and other sums payable to the Owner Trustee by Lessee under the
Lease. The Owner Trustee agrees to distribute, or cause to be distributed, all
proceeds received from the Trust Estate in accordance with Article III and
Sections 4.2 and 4.3. The Owner Trustee shall make, or cause to be made, such
distribution promptly upon receipt of such proceeds (provided, such proceeds are
available for distribution) by the Agent (on behalf of the Owner Trustee), it
being understood and agreed that the Owner Trustee shall not be obligated to
make, or to cause to be made, such distribution until the funds for such
distribution have been received by the Agent (on behalf of the Owner Trustee) in
cash or its equivalent reasonably acceptable to the Owner Trustee.

     SECTION 4.2 Priority of Distributions.

     Subject to the terms and requirements of the Operative Agreements, all
payments and amounts received by Trust Company as the Owner Trustee or on its
behalf shall be distributed to the Agent for allocation by the Agent in
accordance with the terms of Section 8.7 of the Participation Agreement or, if
such payments or amounts are received by the Owner Trustee from the Agent, then
they shall be distributed forthwith upon receipt in the following order of
priority:

                                        9

<PAGE>

first, in accordance with the Holder Yield protection provisions set forth in
Section 11.3 of the Participation Agreement; and, second, the balance, if any,
of such payment or amount remaining thereafter shall be distributed to the
Holders pro rata (based on the ratio of the individual Holder's Holder
Commitment to the aggregate of all the Holders' Holder Commitments).

     SECTION 4.3 Excepted Payments.

     Anything in this Article IV or elsewhere in this Trust Agreement to the
contrary notwithstanding, any Excepted Payment received at any time by the Owner
Trustee shall be distributed promptly to the Person entitled to receive such
Excepted Payment.

     SECTION 4.4 Distributions after Default.

     Subject to the terms of Section 5.1, the proceeds received by the Owner
Trustee from the exercise of any remedy under the Lease shall be distributed
pursuant to Section 4.2 above. This Trust shall cease and terminate in
accordance with the terms set forth in Section 8.1 and upon the final
disposition by the Owner Trustee of all of the Trust Estate pursuant to this
Section 4.4.

                                    ARTICLE V

                           DUTIES OF THE OWNER TRUSTEE

     SECTION 5.1 Notice of Certain Events.

     In the event the Owner Trustee shall have knowledge of any Default or Event
of Default, the Owner Trustee shall give written notice thereof within five (5)
Business Days to each Holder, Lessee and the Agent unless such Default or Event
of Default no longer exists before the giving of such notice. Subject to the
provisions of Section 5.3 of this Trust Agreement and Sections 8.5 and 9.2 of
the Participation Agreement, the Owner Trustee shall take or refrain from taking
such action as the Agent shall direct until such time as the Loans are paid in
full (and as more specifically provided in Sections 8.2(h) and 8.6 of the
Participation Agreement) and thereafter as the Majority Holders shall direct, in
each case by written instructions to the Owner Trustee. If the Owner Trustee
shall have given the Agent and the Holders (and respecting Sections 8.5 and 9.2
of the Participation Agreement, the Lessee) notice of any event and shall not
have received written instructions as above provided within thirty (30) days
after mailing notice of such event to the Agent and the Holders (and respecting
Sections 8.5 and 9.2 of the Participation Agreement, the Lessee), the Owner
Trustee may, but shall be under no duty to, and shall have no liability for its
failure or refusal to, take or refrain from taking any action with respect
thereto, not inconsistent with the provisions of the Operative Agreements, as
the Owner Trustee shall deem advisable and in the best interests of the Lenders
and the Holders. For all purposes of this Trust Agreement, in the absence of
actual knowledge of a Responsible Officer in the Corporate Trust Department of
Trust Company, the Owner Trustee shall be deemed not to have knowledge of any
Default or Event of Default unless a Responsible Officer of the Corporate Trust
Department of Trust Company receives notice thereof given by or on behalf of a
Holder, Lessee or the Agent.

                                       10

<PAGE>

     SECTION 5.2 Action Upon Instructions.

     Subject to the provisions of Sections 5.1 and 5.3, upon the written
instructions of the Agent or the Majority Holders (as applicable), the Owner
Trustee will take or refrain from taking such action or actions as may be
specified in such instructions.

     SECTION 5.3 Indemnification.

     The Owner Trustee shall not be required to take or refrain from taking any
action under this Trust Agreement or any other Operative Agreement (other than
the actions specified in the first sentence of Section 5.1 and in the last
sentence of Section 5.4) unless Trust Company shall have been indemnified by
Lessee or, at their election, by the Holders and the Lenders against any
liability, fee, cost or expense (including without limitation reasonable
attorneys' fees and expenses) that may be incurred or charged in connection
therewith, other than such as may result from the willful misconduct or gross
negligence of the Owner Trustee. The Owner Trustee shall not be required to take
any action under any Operative Agreement if the Owner Trustee shall reasonably
determine, or shall have been advised by counsel, that such action is likely to
result in personal liability for which the Owner Trustee has not been and will
not be adequately indemnified or is contrary to the terms hereof or of any
Operative Agreement to which the Owner Trustee is a party or is otherwise
contrary to law. The Owner Trustee shall be under no liability with respect to
any action taken or omitted to be taken by the Owner Trustee in accordance with
instructions of the Agent or the Majority Holders pursuant to Section 5.2.

     SECTION 5.4 No Duties Except as Specified In Trust Agreement or
                 Instructions.

     The Owner Trustee shall not have any duty or obligation to manage, control,
use, make any payment in respect of, register, record, insure, inspect, sell,
dispose of or otherwise deal with any Property or any other part of the Trust
Estate, or to otherwise take or refrain from taking any action under or in
connection with any Operative Agreement to which the Owner Trustee is a party,
except as expressly provided by the terms of this Trust Agreement or any other
Operative Agreement or in written instructions from the Agent and/or the
Majority Holders, as applicable, received pursuant to Sections 5.1, 5.2 or 8.4
of this Trust Agreement or Sections 8.2(h) or 8.6 of the Participation Agreement
or from the Lessee pursuant to Sections 8.5 or 9.2 of the Participation
Agreement; and no implied duties or obligations shall be read into this Trust
Agreement against the Owner Trustee. The Owner Trustee shall have no duty or
obligation to supervise or monitor the performance of the Construction Agent
pursuant to the Agency Agreement which for all purposes shall be an independent
contractor. The Owner Trustee nevertheless agrees that it will (in its
individual capacity and at its own cost and expense), promptly take all action
as may be necessary to discharge any Lessor Liens on any part of the Trust
Estate.

                                       11

<PAGE>

     SECTION 5.5 No Action Except Under Specified Documents or Instructions.

     The Owner Trustee agrees that it will not manage, control, use, sell,
dispose of or otherwise deal with any Property or any other part of the Trust
Estate except (a) as required by the terms of the Operative Agreements, (b) in
accordance with the powers granted to, or the authority conferred upon, it
pursuant to this Trust Agreement, (c) in accordance with the express terms
hereof or with written instructions from the Agent and/or the Majority Holders,
as applicable, pursuant to Sections 5.1, 5.2 or 8.4 or (d) from the Lessee
pursuant to Sections 8.5 or 9.2 of the Participation Agreement.

     SECTION 5.6 Absence of Duties.

          (a) Except in accordance with written instructions furnished pursuant
     to Sections 5.1, 5.2 or 8.4, and without limitation of the generality of
     Section 5.4, the Owner Trustee shall not have any duty to (i) file, record
     or deposit any Operative Agreement or any other document, or to maintain
     any such filing, recording or deposit or to refile, rerecord or redeposit
     any such document; (ii) obtain insurance on any Property or effect or
     maintain any such insurance, other than to receive and forward to each
     Holder and the Agent any notices, policies, certificates or binders
     furnished to the Owner Trustee pursuant to the Lease; (iii) maintain any
     Property; (iv) pay or discharge any Tax or any Lien owing with respect to
     or assessed or levied against any part of the Trust Estate, except as
     provided in the last sentence of Section 5.4, other than to forward notice
     of such Tax or Lien received by the Owner Trustee to each Holder and the
     Agent; (v) confirm, verify, investigate or inquire into the failure to
     receive any reports or financial statements of Lessee or any other Person;
     (vi) inspect any Property any time or ascertain or inquire as to the
     performance or observance of any of the covenants of Lessee or any other
     Person under any Operative Agreement with respect to any Property; or (vii)
     manage, control, use, sell, dispose of or otherwise deal with any Property
     or any part thereof or any other part of the Trust Estate, except as
     provided in Section 5.5.

          (b) The Owner Trustee, in the exercise or administration of the trusts
     and powers hereunder, including without limitation its obligations under
     Section 5.2, may, at the expense of Lessee, employ agents, attorneys,
     accountants, and auditors and enter into agreements with any of them and
     the Owner Trustee shall not be liable, either in its individual capacity or
     in its capacity as the Owner Trustee, for the default or misconduct of any
     such agents, attorneys, accountants or auditors if such agents, attorneys,
     accountants or auditors shall have been selected by it in good faith.

                                       12

<PAGE>

                                   ARTICLE VI

                                THE OWNER TRUSTEE

     SECTION 6.1 Acceptance of Trust and Duties.

     The Owner Trustee accepts the trust and duties hereby created and agrees to
perform the same, but only upon the terms of this Trust Agreement. The Owner
Trustee agrees to receive, manage and disburse all moneys constituting part of
the Trust Estate actually received by it as the Owner Trustee in accordance with
the terms of this Trust Agreement. The Owner Trustee shall not be answerable or
accountable under any circumstances, except for (i) its own willful misconduct
or gross negligence, (ii) the inaccuracy of any of its representations or
warranties contained in Section 6.3 of this Trust Agreement or Section 6.1 of
the Participation Agreement, (iii) its failure to perform obligations expressly
undertaken by it in the last sentence of Section 5.4 of this Trust Agreement or
in Section 8.2(a) of the Participation Agreement, (iv) Taxes based on or
measured by any fees, commissions or compensation received by it for acting as
the Owner Trustee in connection with any of the transactions contemplated by the
Operative Agreements, or (v) its failure to use ordinary care to receive, manage
and disburse moneys actually received by it in accordance with the terms of the
Operative Agreements.

     SECTION 6.2 Furnishing of Documents.

     The Owner Trustee will furnish to each Holder and to the Agent, promptly
upon receipt thereof, duplicates or copies of all reports, notices, requests,
demands, opinions, certificates, financial statements and any other instruments
or writings furnished to the Owner Trustee hereunder or under the Operative
Agreements, unless by the express terms of any Operative Agreement a copy of the
same is required to be furnished by some other Person directly to the Holders
and/or the Agent, or the Owner Trustee shall have determined that the same has
already been furnished to the Holders and the Agent.

     SECTION 6.3 No Representations or Warranties as to the Properties or
                 Operative Agreements.

     THE OWNER TRUSTEE MAKES (i) NO REPRESENTATION OR WARRANTY, EITHER EXPRESS
OR IMPLIED, AS TO THE TITLE, VALUE, USE, CONDITION, DESIGN, OPERATION,
MERCHANTABILITY OR FITNESS FOR USE OF ANY PROPERTY (OR ANY PART THEREOF), OR ANY
OTHER REPRESENTATION, WARRANTY OR COVENANT WHATSOEVER, EXPRESS OR IMPLIED, WITH
RESPECT TO ANY PROPERTY (OR ANY PART THEREOF) AND THE OWNER TRUSTEE SHALL NOT BE
LIABLE FOR ANY LATENT, HIDDEN, OR PATENT DEFECT THEREIN OR THE FAILURE OF ANY
PROPERTY, OR ANY PART THEREOF, TO COMPLY WITH ANY LEGAL REQUIREMENT except that
the Owner Trustee hereby represents, warrants and covenants to each Holder that
it will comply with the last sentence of Section 5.4, and (ii) no representation
or warranty as to the validity or enforceability of any Operative Agreement or
as to the correctness of any statement made by a Person other than the Owner
Trustee or the Owner

                                       13

<PAGE>

Trustee contained in any thereof, except that the Owner Trustee represents,
warrants and covenants to each Holder that this Trust Agreement has been and
each of the other Operative Agreements which contemplates execution thereof by
the Owner Trustee has been or will be executed and delivered by its officers who
are, or will be, duly authorized to execute and deliver documents on its behalf.

     SECTION 6.4 No Segregation of Moneys; No Interest.

     Except as otherwise provided herein or in any of the other Operative
Agreements, moneys received by the Owner Trustee hereunder need not be
segregated in any manner except to the extent required by law, and may be
deposited under such general conditions as may be prescribed by law, and neither
Trust Company nor the Owner Trustee shall be liable for any interest thereon,
except as may be agreed to in writing by the Owner Trustee or the Trust Company.

     SECTION 6.5 Reliance; Advice of Counsel.

     The Owner Trustee shall not incur any liability to any Person in acting
upon any signature, instrument, notice, resolution, request, consent, order,
certificate, report, opinion, bond or other document or paper believed by it to
be genuine and believed by it in good faith to be signed by the proper party or
parties. The Owner Trustee may accept and rely upon a certified copy of a
resolution of the board of directors or other governing body of any corporate
party as conclusive evidence that such resolution has been duly adopted by such
body and that the same is in full force and effect. As to any fact or matter the
manner of ascertainment of which is not specifically prescribed herein, the
Owner Trustee may for all purposes hereof rely on an Officer's Certificate of
the relevant party, as to such fact or matter, and such certificate shall
constitute full protection to the Owner Trustee for any action taken or omitted
to be taken by it in good faith in reliance thereon. In the administration of
the trusts hereunder, the Owner Trustee may execute any of the trusts or powers
hereof and perform its powers and duties hereunder directly or through agents or
attorneys and may consult with counsel, accountants and other skilled Persons to
be selected and employed by it, and the Owner Trustee shall not be liable for
anything done, suffered or omitted in good faith by it in accordance with the
advice or opinion of any such counsel, accountants or other skilled Persons and
not contrary to this Trust Agreement.

     SECTION 6.6 Liability With Respect to Documents.

     The Owner Trustee, either in its trust or individual capacities, shall not
incur any liability to any Person for or in respect of the recitals herein, the
validity or sufficiency of this Trust Agreement or for the due execution hereof
by each Holder or for the form, character, genuineness, sufficiency, value or
validity of any Property or for or in respect of the validity or sufficiency of
any of the Operative Agreements and the Owner Trustee, either in its trust or
individual capacities, shall in no event assume or incur any liability, duty or
obligation to any Person or to any Holder, other than as expressly provided for
herein or in any of the other Operative Agreements.

                                       14

<PAGE>

     SECTION 6.7 Not Acting In Individual Capacity.

     All Persons having any claim against the Owner Trustee by reason of the
transactions contemplated by the Operative Agreements shall look only to the
Trust Estate (or a part thereof, as the case may be) for payment or satisfaction
thereof, except as specifically provided in this Article VI and except to the
extent that the Owner Trustee shall otherwise expressly agree in any Operative
Agreement to which it is a party, including without limitation Section 6.1 and
Section 8.2(a) of the Participation Agreement and the last sentence of Section
5.4 hereof.

     SECTION 6.8 Books and Records; Tax Returns.

          (a) The Owner Trustee shall be responsible for the keeping of all
     appropriate books and records relating to the receipt and disbursement of
     all moneys that it may receive hereunder, or under any other Operative
     Agreement. The Owner Trustee shall, at the expense of Lessee, file an
     application with the Internal Revenue Service for a taxpayer identification
     number with respect to the trust created hereby. The Owner Trustee shall,
     at the expense of Lessee, prepare or cause to be prepared and the Owner
     Trustee shall sign and/or file the federal fiduciary tax return with
     respect to Taxes due and payable by the trust created hereby in connection
     with the transactions contemplated hereby and by any other Operative
     Agreement. Each Holder shall furnish the Owner Trustee with all such
     information as may be reasonably required from such Holder (as such is
     requested in writing by the Owner Trustee) in connection with the
     preparation of such tax returns. The Owner Trustee shall keep copies of all
     returns delivered to or filed by it.

          (b) The Owner Trustee, either in its trust or individual capacities,
     shall be under no obligation to appear in, prosecute or defend any action,
     which in its opinion may require it to incur any out-of-pocket expense or
     any liability unless the Owner Trustee shall be furnished with such
     reasonable security and indemnity by Lessee (or, at the election of the
     Majority Secured Parties, by the Holders and the Lenders) against such
     expense or liability as it may require. The Owner Trustee may, but shall be
     under no duty to, undertake such action as it may deem necessary at any and
     all times, without any further action by the Agent or any Holder to protect
     one (1) or more of the Properties and the rights and interests of the
     Holders pursuant to the terms of this Trust Agreement; provided, however,
     that the Owner Trustee may obtain reimbursement for the out-of-pocket
     expenses and costs of such actions, undertakings or proceedings from
     Lessee.

                                   ARTICLE VII

                      INDEMNIFICATION OF THE OWNER TRUSTEE

     SECTION 7.1 Indemnification Generally.

     The Owner Trustee is indemnified for matters related to the transactions
described herein by Lessee pursuant to Section 11 of the Participation
Agreement. Except as may be specifically

                                       15

<PAGE>

provided from time to time hereafter in writing by the Holders, the Owner
Trustee shall not have any right of indemnification from any Holder with respect
to the transactions described herein or in any of the other Operative
Agreements.

     SECTION 7.2 Compensation and Expenses.

     Lessee has agreed to pay the fees and expenses of the Owner Trustee and the
Holder Facility Fees as provided in Sections 7.3 and 7.4, respectively, of the
Participation Agreement.

                                  ARTICLE VIII

                         TERMINATION OF TRUST AGREEMENT

     SECTION 8.1 Termination of Trust Agreement.

     This Trust Agreement and the trusts created hereby shall terminate and the
Trust Estate shall, subject to the provisions of the Participation Agreement,
the other Operative Agreements and Article IV of this Trust Agreement, be
distributed pro rata to the Holders, and this Trust Agreement shall be of no
further force or effect, upon the earliest of (a) the joint written request of
the Majority Holders following the sale or other final disposition by the Owner
Trustee of all property constituting part of the Trust Estate and the final
distribution by the Owner Trustee of all moneys or other property or proceeds
constituting part of the Trust Estate in accordance with the terms hereof;
provided, however, that (except as provided for in the Operative Agreements) the
Trust Estate shall not be subject to sale or other final disposition by the
Owner Trustee prior to the payment in full and discharge of the Loans and all
other indebtedness secured by the Credit Documents and the release of the Credit
Documents and the Liens granted thereby and the payment in full of the Holder
Amount and Holder Yield thereon and all other amounts owing to the Holders under
any of the Operative Agreements and (b) fifty (50) years after the date hereof.

     SECTION 8.2 Termination at Option of the Holders.

     Notwithstanding Section 8.1, this Trust Agreement and the trusts created
hereby shall terminate and the Trust Estate shall be distributed pro rata to the
Holders, and this Trust Agreement shall be of no further force and effect, upon
the joint election of the Holders by notice to the Owner Trustee, if such notice
shall be accompanied by the written agreement of each Holder assuming all the
obligations of the Owner Trustee under or contemplated by the Operative
Agreements and all other obligations of the Owner Trustee incurred by it as
trustee hereunder; provided, however, that each Holder agrees for the express
benefit of the Agent and the Lenders, that without the consent of the Majority
Lenders, no such election shall be effective until the Liens and security
interests of the Security Documents on the Collateral shall have been released
and until full payment of the principal of, and interest on the Loans and all
other sums due to the Lenders shall have been made. Such written agreement shall
be reasonably satisfactory in form and substance to the Owner Trustee and shall
release the Owner Trustee

                                       16

<PAGE>

from all further obligations of the Owner Trustee hereunder and under the
agreements and other instruments mentioned in the preceding sentence.

     SECTION 8.3 Termination at Option of the Owner Trustee.

     At any time that the Lease shall no longer be in full force and effect and
the Agent shall have confirmed in writing to the Owner Trustee that the Lenders
have received payment in full of the principal of and interest on the Loans and
that all other sums due to the Agent and the Lenders under the Operative
Agreements shall have been made, then the Holders hereby authorize the Owner
Trustee to: (a) terminate this Trust Agreement and the trusts created hereby and
(b) distribute and convey the Trust Estate pro rata to the Holders by executing
the necessary transfer documents as contemplated by Section 8.4. The exercise of
such option by the Owner Trustee shall cause this Trust Agreement to be of no
further force and effect and shall release the Owner Trustee from all further
obligations of the Owner Trustee hereunder and under the agreements and other
instruments mentioned in the preceding sentence.

     SECTION 8.4 Actions by the Owner Trustee Upon Termination.

     Upon termination of this Trust Agreement and the trusts created hereby
pursuant to Sections 8.1, 8.2 or 8.3, the Owner Trustee shall upon notice of
such event take such action as may be necessary or as may be requested by the
Majority Holders to transfer the Trust Estate pro rata to the Holders, including
without limitation the execution of instruments of transfer or assignment with
respect to any of the Operative Agreements to which the Owner Trustee is a
party.

                                   ARTICLE IX

                   SUCCESSOR OWNER TRUSTEES, CO-OWNER TRUSTEES
                           AND SEPARATE OWNER TRUSTEES

     SECTION 9.1 Resignation of the Owner Trustee; Appointment of Successor.

          (a) The Owner Trustee may resign at any time without cause by giving
     at least thirty (30) days' prior written notice to each Holder, the Agent
     and Lessee; provided, however, that such resignation shall not be effective
     until the acceptance of appointment by a successor Owner Trustee under
     Section 9.1(b). The Owner Trustee may be removed with or without cause at
     any time by the Majority Holders upon consent to such removal by the Agent
     and with sixty (60) days' prior written notice to the Owner Trustee, a copy
     of which notice shall be concurrently delivered by the Majority Holders to
     the Agent and Lessee. Any such removal shall be effective upon the
     acceptance of appointment by a successor Owner Trustee under Section
     9.1(b). In case of the resignation or removal of the Owner Trustee, the
     Holders may appoint a successor Owner Trustee by an instrument signed by
     the Majority Holders; provided, however, that such successor Owner Trustee
     must be approved by the Agent. In the event the Owner Trustee shall be an
     individual,

                                       17

<PAGE>

     his death or incapacity, or termination of employment (whether voluntary or
     involuntary) with First Security Bank, National Association (or a successor
     corporate Owner Trustee) shall be treated as a resignation hereunder and
     shall be effective immediately. If a successor Owner Trustee shall not have
     been appointed within thirty (30) days after the giving of written notice
     of such resignation or the delivery of the written instrument with respect
     to such removal, the Owner Trustee or any Holder may apply to any court of
     competent jurisdiction to appoint a successor Owner Trustee to act until
     such time, if any, as a successor shall have been appointed and shall have
     accepted its appointment as above provided. Any successor Owner Trustee so
     appointed by such court shall immediately and without further act be
     superseded by any successor Owner Trustee appointed as above provided
     within one (1) year from the date of the appointment by such court.

          (b) Any successor Owner Trustee, however appointed, shall execute and
     deliver to the predecessor Owner Trustee an instrument accepting such
     appointment, and thereupon such successor Owner Trustee, without further
     act shall become vested with all the estates, properties, rights, powers,
     duties and trusts of the predecessor Owner Trustee in the trusts hereunder
     with like effect as if originally named an Owner Trustee herein; but
     nevertheless, upon the written request of such successor Owner Trustee such
     predecessor Owner Trustee shall execute and deliver an instrument
     transferring to such successor Owner Trustee, upon the trusts herein
     expressed, all the estates, properties, rights, powers, duties and trusts
     of such predecessor Owner Trustee, and such predecessor Owner Trustee shall
     duly assign, transfer, deliver and pay over to such successor Owner Trustee
     all moneys or other property then held by such predecessor Owner Trustee
     upon the trusts herein expressed.

          (c) Any successor Owner Trustee, however appointed, shall be a bank or
     trust company incorporated and doing business within the United States of
     America and having a combined capital and surplus of at least $50,000,000,
     if there be such an institution willing, able and legally qualified to
     perform the duties of the Owner Trustee hereunder upon reasonable or
     customary terms.

          (d) Any corporation into which the Owner Trustee may be merged or
     converted or with which it may be consolidated, or any corporation
     resulting from any merger, conversion or consolidation to which the Owner
     Trustee shall be a party, or any corporation to which substantially all the
     corporate trust business of the Owner Trustee may be transferred, shall,
     subject to the terms of Section 9.1(c), be the Owner Trustee under this
     Trust Agreement without further act.

     SECTION 9.2 Co-Trustees and Separate Trustees.

     Whenever the Owner Trustee or the Majority Holders shall deem it necessary
or prudent in order either (a) to conform to any law of any jurisdiction in
which all or any part of the Trust Estate shall be situated or to which it may
be subject or to make any claim or bring any suit with respect to the Trust
Estate or any Operative Agreement, (b) shall be advised by counsel

                                       18

<PAGE>

satisfactory to it that it is so necessary or prudent, or (c) the Owner Trustee
shall have been directed to do so by the Majority Holders and the Agent, the
Owner Trustee and the Holders shall execute and deliver an agreement
supplemental hereto and all other instruments and agreements, and shall take all
other action, necessary or proper to constitute one (1) or more Persons who need
not meet the requirements of Section 9.1(c) (and the Owner Trustee may appoint
one (1) or more of its officers) either as co-trustee or co-trustees (the
"Co-Owner Trustee"), jointly with the Owner Trustee, of all or any part of the
Trust Estate, or as separate trustee or separate trustees of all or any part of
the Trust Estate, and to vest in such Persons, in such capacity, such title to
the Trust Estate or any part thereof and such rights or duties as may be
necessary or desirable, all for such period and under such terms and conditions
as are satisfactory to the Owner Trustee and the Holders. In accordance with the
foregoing:

          (i) The Owner Trustee shall appoint a Co-Owner Trustee hereunder in
     part so that if, under any present or future law of any state where any
     Property is located or of any jurisdiction in which it may be necessary to
     perform any act in carrying out the trusts herein created, the Owner
     Trustee or any of its successors may be incompetent or unqualified or
     incapacitated or unwilling to perform certain acts as such Owner Trustee,
     then upon the written request of the Owner Trustee of any of its successors
     received by any Co-Owner Trustee, all of such acts required to be performed
     in such jurisdiction in the execution of the trust hereby created, shall
     and will be performed by any Co-Owner Trustee, or any of his successors, in
     trust acting alone, as if he or such successor had been specifically
     authorized so to do or had been the sole Owner Trustee hereunder. Any
     Co-Owner Trustee shall continue to perform such acts until otherwise
     directed in writing by the Owner Trustee or any of its successors. Any
     request in writing by the Owner Trustee or any of its successors to the
     Co-Owner Trustee shall be sufficient warrant for him to take such action as
     may be so requested.

          (ii) Except as it may be deemed necessary for any Co-Owner Trustee or
     any of his successors solely or jointly to execute the trusts herein
     created, the Owner Trustee or any of its successors shall solely have and
     exercise the powers, and shall be solely charged with the performance of
     the duties, hereinbefore declared on the part of the Owner Trustee to be
     had, exercised and performed; and any Co-Owner Trustee shall not be liable
     therefor. Any Co-Owner Trustee or any successor to him may delegate to the
     Owner Trustee or its successor hereunder the exercise of any power,
     discretion or otherwise, conferred by any provision of this Trust
     Agreement.

          (iii) Any act of the Owner Trustee herein required or authorized shall
     and will be jointly or separately performed by the Owner Trustee or its
     successors hereunder and by any Co-Owner Trustee or any of his successors
     appointed hereunder, if such joint performance or separate performance
     shall be necessary to the legality of such act and when so acting all
     references herein to "First Security Bank, National Association" shall be
     deemed to be references to such Co-Owner Trustee in its individual capacity
     and all references to "Owner Trustee" shall be deemed to be references to
     any Co-Owner Trustee, and such Co-Owner Trustee shall be entitled to all
     the protection, indemnification, immunity and compensation herein provided
     to the Owner Trustee

                                       19

<PAGE>

     acting singly in reference to such acts (subject to the limitations to such
     a protection, indemnification, immunity and compensation set forth herein).

          (iv) The Owner Trustee or its successor in trust shall have and is
     hereby given the power at any time by an instrument in writing duly
     executed by a Vice President, to remove any Co-Owner Trustee or his
     successor, from his position as Co-Owner Trustee hereunder. In the case of
     death, resignation, removal, incapacity or inability to act hereunder of
     the Co-Owner Trustee, or his successor as Co-Owner Trustee, any adult
     citizen of the United States of America may be appointed Co-Owner Trustee
     hereunder by the person who shall at the time be a Vice President of the
     corporation then acting as the Owner Trustee hereunder by an instrument in
     writing duly executed, and under its corporate seal, and, subject to its
     right to revoke such appointment or to appoint another person, the Owner
     Trustee shall appoint a successor Co-Owner Trustee, such appointment to be
     immediately effective in case of the death, resignation, removal or
     inability or incapacity to act hereunder of the Co-Owner Trustee. In the
     event a vacancy occurs in the office of the Co-Owner Trustee, either by
     reason of resignation, removal, incapacity or inability to act and no
     successor is appointed pursuant to the foregoing provisions within thirty
     (30) days after such vacancy occurs, the Holders and the Agent may jointly
     appoint a successor to the Co-Owner Trustee in the same manner as is
     provided for the appointment of a successor to the Co-Owner Trustee
     hereunder.

          (v) At any time or times, for the purposes of meeting the legal
     requirements of any jurisdiction in which any part of the Trust Estate
     hereunder may at the time be located, or to avoid any violation of law or
     imposition of taxes not otherwise imposed on the Owner Trustee, or if the
     Owner Trustee shall deem it desirable for its own protection, the Owner
     Trustee shall have power to appoint one (1) or more persons (who may be
     officers of the Owner Trustee either to act as an additional co-trustee,
     jointly with the Owner Trustee) of all or any part of the Trust Estate
     hereunder, or of any property constituting part thereof, or to act as
     separate trustee of any part of the Trust Estate in either case with such
     powers as may be provided in the instrument of appointment and are
     consistent with the terms hereof, and to vest in such person or persons in
     the capacity as aforesaid, any property, title, right or power deemed
     necessary or desirable, subject to the remaining provisions of this Section
     9.2.

          (vi) Notwithstanding any provision of this Trust Agreement to the
     contrary, any additional co-trustee shall act upon and be subject to the
     following terms and conditions:

               All rights, powers, duties and obligations conferred or imposed
          upon the Owner Trustee shall be conferred or imposed solely upon and
          solely exercised and performed by the Owner Trustee except to the
          extent that under any law of any jurisdiction in which any particular
          act or acts are to be performed the Owner Trustee or the Owner Trustee
          shall be incompetent or unqualified to perform such act or acts or to
          avoid any violation of law or imposition of taxes not otherwise
          imposed on the Owner Trustee, or if the Owner Trustee shall deem it
          desirable for

                                       20

<PAGE>

          its own protection, in which event such rights, powers, duties and
          obligations shall be exercised and performed by such co-trustee or
          Co-Owner Trustee.

          (vii) No power granted by this Trust Agreement to, or which this Trust
     Agreement provides may be exercised by, the Owner Trustee in respect of the
     custody, control and management of moneys may be exercised by any Co-Owner
     Trustee or any subsequently appointed co-trustee except jointly with, or
     with the consent in writing of, the Owner Trustee for disbursement or
     application in accordance with the terms hereof.

          (viii) All moneys which may be received or collected by any Co-Owner
     Trustee or such subsequently appointed co-trustees shall be paid over to
     the Owner Trustee to be distributed in accordance with this Trust Agreement
     and the other Operative Agreements.

          (ix) Any Co-Owner Trustee, or any subsequently appointed co-trustee to
     the extent permitted by law, does hereby constitute the Owner Trustee or
     its successors hereunder his or her agent or attorney in fact, with full
     power and authority to do any and all acts and things and exercise any and
     all discretion authorized or permitted by the Co-Owner Trustee or such
     subsequently appointed co-trustee, in its behalf or in its name.

          (x) No trustee hereunder shall be personally liable by reason of any
     act or omission of any other trustee hereunder.

     SECTION 9.3 Notice.

     At all times that a successor Owner Trustee is appointed pursuant to
Section 9.1, an Owner Trustee resigns pursuant to Section 9.1 or the Co-Owner
Trustee, a co-trustee or separate trustee, is appointed pursuant to Section 9.2,
the Holders shall give joint notice of such fact within thirty (30) days of its
occurrence to (x) Lessee, if the Lease is then in effect and (y) the Agent, if
the Credit Agreement is in effect.

                                    ARTICLE X

                                   AMENDMENTS

     SECTION 10.1 Amendments.

     This Trust Agreement may be terminated, amended, supplemented, waived or
modified in accordance with Section 12.4 of the Participation Agreement.

     SECTION 10.2 Limitation on Amendments.

     Notwithstanding Section 10.1, the Owner Trustee shall not, without the
consent of the Agent, execute any amendment that might result in the trusts
created hereunder being terminated prior to the satisfaction and discharge of
the Lien and security interest of the Security Documents

                                       21

<PAGE>

on the Collateral or prior to the payment in full of the principal of, and
interest on the Loans and other than in accordance with the terms of the Credit
Agreement.

                                   ARTICLE XI

                                  MISCELLANEOUS

     SECTION 11.1 No Legal Title to Trust Estate in the Holders.

     The Holders shall not have legal title to any part of the Trust Estate;
provided, however, that each Holder has a pro rata beneficial interest in the
Trust Estate. No transfer, by operation of law or otherwise, of any right, title
or interest of a Holder in and to the Trust Estate or hereunder shall operate to
terminate this Trust Agreement or the Trust or the trusts hereunder or entitle
any successor or transferee to an accounting or to the transfer to it of legal
title to any part of the Trust Estate.

     SECTION 11.2 Sale of a Property by the Owner Trustee is Binding.

     Any sale, transfer, or other conveyance of any Property or any part thereof
by the Owner Trustee made pursuant to the terms of this Trust Agreement or any
other Operative Agreement shall bind the Holders and shall be effective to sell,
transfer and convey all right, title and interest of the Owner Trustee and the
Holders in and to such Property or any part thereof. No purchaser or other
grantee shall be required to inquire as to the authorization, necessity,
expediency or regularity of such sale or conveyance or as to the application of
any sale or other proceeds with respect thereto by the Owner Trustee.

     SECTION 11.3 Limitations on Rights of Others.

     Nothing in this Trust Agreement whether express or implied, shall be
construed to give to any Person, other than the Owner Trustee and each Holder,
any legal or equitable right, remedy or claim under or in respect of this Trust
Agreement, any covenants, conditions or provisions contained herein or in the
Trust Estate; but this Trust Agreement shall be held for the sole and exclusive
benefit of the Owner Trustee and the Holders. The Agent shall have the right to
enforce the provisions of Sections 5.1, 5.2, 5.3, 5.4, 6.2, 6.8, 8.1, 8.2, 8.3,
9.1, 9.2, 9.3, 10.1 and 10.2 prior to the payment in full of the principal of
and interest on the Loans and such other amounts due and payable to the Lenders
or the Agent under the Operative Agreements.

     SECTION 11.4 Notices.

     Unless otherwise expressly specified or permitted by the terms hereof, all
notices hereunder shall be given as provided in Section 12.2 of the
Participation Agreement.

                                       22

<PAGE>

     SECTION 11.5 Severability.

     Any provision of this Trust Agreement that may be determined by competent
authority to be prohibited or unenforceable in any jurisdiction shall, as to
such jurisdiction, be ineffective to the extent of such prohibition or
unenforceability without invalidating the remaining provisions hereof, and any
such prohibition or unenforceability in any jurisdiction shall not invalidate or
render unenforceable such provision in any other jurisdiction.

     SECTION 11.6 Limitation on the Holders' Liability.

     No Holder shall have any liability for the performance of this Trust
Agreement except as expressly set forth herein.

     SECTION 11.7 Separate Counterparts.

     This Trust Agreement may be executed by the parties hereto in separate
counterparts, each of which when so executed and delivered shall be an original,
but all such counterparts shall together constitute but one (1) and the same
instrument.

     SECTION 11.8 Successors and Assigns.

          (a) All covenants and agreements contained herein shall be binding
     upon, and inure to the benefit of, Trust Company, the Owner Trustee and its
     successors and assigns and each Holder and its successors and assigns, all
     as herein provided. Any request, notice, direction, consent, waiver or
     other instrument or action by a Holder shall bind the successors and
     assigns of such Holder.

          (b) [Intentionally Omitted]

     SECTION 11.9 Headings.

     The headings of the various articles and sections herein are for
convenience of reference only and shall not define or limit any of the terms or
provisions hereof.

     SECTION 11.10 Governing Law.

     THIS TRUST AGREEMENT HAS BEEN DELIVERED IN, AND SHALL IN ALL RESPECTS BE
GOVERNED BY AND CONSTRUED, INTERPRETED AND ENFORCED IN ACCORDANCE WITH THE LAW
OF, THE STATE OF UTAH.

     SECTION 11.11 Performance by the Holders.

     Any obligation of the Owner Trustee hereunder or under any Operative
Agreement or other document contemplated herein may be performed by the Holders
(or by one (1) of them

                                       23

<PAGE>

with the written consent of the others) and any such performance shall not be
construed as a revocation of the trusts created hereby.

     SECTION 11.12 Conflict with Operative Agreements.

     If this Trust Agreement (or any instructions given by a Holder pursuant
hereto) shall require that any action be taken with respect to any matter and
any other Operative Agreement (or any instructions duly given in accordance with
the terms thereof) shall require that a different action be taken with respect
to such matter, and such actions shall be mutually exclusive, the provisions of
such other Operative Agreement, in respect thereof, shall control.

     SECTION 11.13 No Implied Waiver.

     No term or provision of this Trust Agreement may be changed, waived,
discharged or terminated orally, but only by an instrument in writing entered
into as provided in Section 10.1; and any such waiver of the term hereof shall
be effective only in the specific instance and for the specific purpose given.

     SECTION 11.14 SUBMISSION TO JURISDICTION; VENUE.

     THE PROVISIONS OF THE PARTICIPATION AGREEMENT RELATING TO SUBMISSION TO
JURISDICTION AND VENUE ARE HEREBY INCORPORATED BY REFERENCE HEREIN, MUTATIS
MUTANDIS.

                            [signature pages follow]

                                       24

<PAGE>

     IN WITNESS WHEREOF, the parties hereto have caused this Trust Agreement to
be duly executed by their respective officers hereunto duly authorized, as of
the date set forth above.

                                    HOLDERS:

                                    NATIONSBANK, N.A.

                                    By:  /s/ John E. Williams
                                       -----------------------------------------
                                    Name:    John E. Williams
                                         ---------------------------------------
                                    Title:   Senior Vice President
                                          --------------------------------------

                                    [OTHERS]

                                    OWNER TRUSTEE:

                                    FIRST SECURITY BANK, NATIONAL ASSOCIATION

                                    By: /s/ Val T. Orton
                                       -----------------------------------------
                                    Name:   Val T. Orton
                                         ---------------------------------------
                                    Title:  Vice President
                                          --------------------------------------

                            (CRT Realty Trust 1998-1)

Accepted and consented to:

CONVERGYS CORPORATION

By: /s/ Robert P. Komin, Jr.
   -----------------------------------------
Name:   Robert P. Komin, Jr.
     ---------------------------------------
Title:  Vice President Finance and Treasurer
      --------------------------------------

<PAGE>

                                   SCHEDULE I

                               HOLDER COMMITMENTS

                                  Holder Commitment
   Name of Holder                 Amount/Percentage
   --------------                 -----------------

NATIONSBANK, N.A.                  $900,000   100%
101 North Tryon Street
NC1-001-15-06
Charlotte, North Carolina 28255
Attention: Ms. Judy Dudley
Telephone: (704) 386-8382
Telecopy:  (704) 386-8694

   TOTAL                           $900,000   100%

<PAGE>

                                    EXHIBIT A

                           FORM OF HOLDER CERTIFICATE

                    FIRST SECURITY BANK, NATIONAL ASSOCIATION

                                  TRUSTEE UNDER

       AMENDED AND RESTATED TRUST AGREEMENT DATED AS OF DECEMBER 31, 1998

                               HOLDER CERTIFICATE

                             CRT REALTY TRUST 1998-1

                                                                          , 19
                                                               -----------    --

     First Security Bank, National Association, as trustee (herein in such
capacity called the "Owner Trustee") under that certain Amended and Restated
Trust Agreement dated as of December 31, 1998 (herein called the "Trust
Agreement", the defined terms therein not otherwise defined herein being used
herein with the same meanings), among the several banks and other financial
institutions from time to time parties to the Trust Agreement as the Holders and
the Owner Trustee, hereby certifies for the benefit of [HOLDER], as follows: (i)
this Holder Certificate is a Holder Certificate referred to in Section 3.1(d) of
the Trust Agreement, which Holder Certificate has been issued by the Owner
Trustee pursuant to the Trust Agreement and (ii) subject to the prior payment of
Notes to the extent provided for in Section 8.7 of the Participation Agreement,
and to the assignment, pledge or mortgage of the Trust Estate to secure the
Notes as set forth in the applicable Operative Agreements, the holder of this
Holder Certificate has an undivided beneficial interest in properties of the
Owner Trustee constituting part of the Trust Estate and is entitled to receive
as provided in the Trust Agreement, a portion of the Rent received or to be
received by the Owner Trustee for the Properties, as well as a portion of
certain other payments which may be received by the Trustee pursuant to the
terms of the Operative Agreements as more particularly set forth therein.

     All amounts payable hereunder and under the Trust Agreement shall be paid
only from the income and proceeds from the Trust Estate and only to the extent
that the Owner Trustee (or the Agent on behalf of the Owner Trustee) shall have
received sufficient income or proceeds from the Trust Estate to make such
payments in accordance with the terms of the Trust Agreement, except as
specifically provided in Section 6.1 of the Trust Agreement; and the holder
hereof, by its acceptance of this Holder Certificate, agrees that it will look
solely to the income and proceeds from the Trust Estate to the extent available
for distribution to the holder hereof as provided in the Trust Agreement and
that, except as specifically provided in the Trust Agreement, the Owner Trustee
is not personally liable to the holder hereof for any amount payable under this
Holder Certificate or the Trust Agreement.

                                       A-1

<PAGE>

     The amounts payable to the holder hereof pursuant to the Trust Agreement
shall be paid or caused to be paid by the Owner Trustee to, or for the account
of, such Holder, or its nominee, by transferring such amount in immediately
available funds to a bank institution or banking institutions with bank wire
transfer facilities for the account of such Holder or as otherwise instructed in
writing from time to time by such Holder.

     This Holder Certificate shall mature, and all amounts payable to the holder
hereof pursuant to the Trust Agreement shall be due and payable, on the Maturity
Date.

     This Holder Certificate shall bear a yield on the unpaid amount hereof from
time to time outstanding hereunder and under the Trust Agreement at the Holder
Yield as provided in the Trust Agreement. The Holder Yield on this Holder
Certificate shall be computed as provided in the Trust Agreement and shall be
payable at the rates, at the times and from the dates specified in the Trust
Agreement.

     From and after the execution of the Participation Agreement, the rights of
the holder of this Holder Certificate under the Trust Agreement as well as the
beneficial interest of the holder of this Holder Certificate in and to the
properties of the Owner Trustee constituting part of the Trust Estate, are
subject and subordinate to the rights of the holders of the Notes to the extent
provided in the applicable Operative Agreements. The Trust Estate has been or
will be assigned, pledged and mortgaged to the Agent, on behalf of the Lenders
and the Holders, as security for the Notes and the Holder Certificates.
Reference is hereby made to the Trust Agreement, the Participation Agreement,
the Credit Agreement, the Security Agreement and the Notes for statements of the
rights of the holder of this Holder Certificate and of the rights of the holders
of, and the nature and extent of the security for, the Notes, as well as for a
statement of the terms and conditions of the trusts created by the Trust
Agreement, to all of which terms and conditions the holder hereof agrees by its
acceptance of this Holder Certificate.

     The holder hereof, by its acceptance of this Holder Certificate, agrees not
to transfer this Holder Certificate except in accordance with the terms of the
Trust Agreement and the other Operative Agreements.

     THIS HOLDER CERTIFICATE SHALL BE INTERPRETED AND ENFORCED AND THE RIGHTS
AND LIABILITIES OF THE PARTIES HERETO DETERMINED, INTERPRETED AND ENFORCED IN
ACCORDANCE WITH THE INTERNAL LAWS (AS OPPOSED TO CONFLICTS OF LAW PROVISIONS)
AND DECISIONS OF THE STATE OF UTAH. WHENEVER POSSIBLE EACH PROVISION OF THIS
HOLDER CERTIFICATE SHALL BE INTERPRETED IN SUCH MANNER AS TO BE EFFECTIVE AND
VALID UNDER APPLICABLE LAW, BUT IF ANY PROVISION OF THIS HOLDER CERTIFICATE
SHALL BE PROHIBITED BY OR INVALID UNDER APPLICABLE LAW, SUCH PROVISION SHALL BE
INEFFECTIVE TO THE EXTENT OF SUCH PROHIBITION OR INVALIDITY, WITHOUT
INVALIDATING THE REMAINDER OF SUCH PROVISION OR THE REMAINING PROVISIONS OF THIS
HOLDER CERTIFICATE.

         [The remainder of this page has been intentionally left blank.]

                                       A-2

<PAGE>

     IN WITNESS WHEREOF, the undersigned authorized officer of the Owner Trustee
has executed this Holder Certificate as of the date first set forth above.

                                    FIRST SECURITY BANK,
                                    NATIONAL ASSOCIATION, not individually,
                                    except as expressly set forth herein, but
                                    solely as the Owner Trustee under the
                                    CRT Realty Trust 1998-1

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

                                       A-3<PAGE>

Exhibit 10.17 to 10-K

                 AMENDMENT NO. 1 TO THE PARTICIPATION AGREEMENT,
                   THE CREDIT AGREEMENT, THE TRUST AGREEMENT,
         THE SECURITY AGREEMENT, THE LEASE AGREEMENT AND OTHER OPERATIVE
                                   AGREEMENTS

     THIS AMENDMENT NO. 1 (this "Amendment") dated as of October 1, 1999, is by
and among CONVERGYS CORPORATION, an Ohio corporation (the "Lessee" or the
"Construction Agent"); the various parties listed on the signature pages hereto
as guarantors (subject to the definition of Guarantors in Appendix A to the
Participation Agreement referenced below, individually a "Guarantor" and
collectively, the "Guarantors"); FIRST SECURITY BANK, NATIONAL ASSOCIATION, a
national banking association, not individually but solely as the Owner Trustee
under the CRT Realty Trust 1998-1 (the "Owner Trustee" or the "Lessor"); the
various banks and other lending institutions listed on the signature pages
hereto (subject to the definition of Lenders in Appendix A to the Participation
Agreement referenced below, individually, a "Lender" and collectively, the
"Lenders"); BANK OF AMERICA, N.A., a national banking association, which is the
successor to NationsBank, N.A., as the agent for the Lenders and respecting the
Security Documents, as the agent for the Lenders and the Holders, to the extent
of their interests (in such capacity, the "Agent"); and the various banks and
other lending institutions listed on the signature pages hereto as holders of
certificates issued with respect to the CRT Realty Trust 1998-1 (subject to the
definition of Holders in Appendix A to the Participation Agreement referenced
below, individually, a "Holder" and collectively, the "Holders"). Capitalized
terms used in this Amendment but not otherwise defined herein shall have the
meanings set forth in Appendix A to the Participation Agreement (hereinafter
defined).

                               W I T N E S S E T H

     WHEREAS, the parties to this Amendment are parties to that certain
Participation Agreement dated as of December 31, 1998 (the "Participation
Agreement"), certain of the parties to this Amendment are parties to that
certain Credit Agreement dated as of December 31, 1998 (the "Credit Agreement"),
certain of the parties to this Amendment are parties to that certain Amended and
Restated Trust Agreement dated as of December 31, 1998 (the "Trust Agreement"),
certain of the parties to this Amendment are parties to that certain Security
Agreement dated as of December 31, 1998 (the "Security Agreement"), certain of
the parties to this Amendment are parties to that certain Lease Agreement dated
as of December 31, 1998 (the "Lease") and certain of the parties to this
Amendment are parties to the other Operative Agreements relating to a $30
million tax retention operating lease facility (the "Facility") that has been
established in favor of the Lessee;

     WHEREAS, the Lessee has requested certain modifications to the
Participation Agreement, the Credit Agreement, the Trust Agreement, the Security
Agreement, the Lease and the other Operative Agreements in connection with the
Lessee's request to increase the size of the Facility from $30 million to $65.2
million to finance the acquisition of a completed office and data center located
in Maitland, Florida, more particularly described on Annex A attached hereto
("Phase I"), and to provide for the syndication of the Facility;

<PAGE>

     WHEREAS, the Financing, Parties have agreed to the requested modifications
on the terms and conditions set forth herein;

     NOW, THEREFORE, IN CONSIDERATION of the premises and other good and
valuable consideration, the receipt and sufficiency of which is hereby
acknowledged, the parties agree as follows:

                             PARTICIPATION AGREEMENT

     1. Appendix A to the Participation Agreement is hereby amended to modify or
add the following defined terms as follows:

     "Additional Incorporated Terms" shall have the meaning given to such term
in Section 28.2 of the Lease.

     "Applicable Percentage" means, for any day, with respect to any Eurodollar
Loan or Eurodollar Holder Advance, or with respect to the Facility Fees payable
under the Operative Agreements, as the case may be, the applicable rate per
annum set forth below under the caption "Eurodollar Spread" or "Facility Fee
Rate", as the case may be, based upon the ratings by Moody's and S&P,
respectively, applicable on such date to the Index Debt:

<TABLE>
<CAPTION>
==========================================================================================================
Index Debt Ratings                           Eurodollar Spread                     Facility Fee Rate
----------------------------------------------------------------------------------------------------------
                                                                           Tranche    Tranche B
                                   Eurodollar   Eurodollar   Eurodollar   A Lender     Lender      Holder
                                   Tranche A     Tranche B     Holder     Facility    Facility    Facility
                                      Loans        Loans      Advances       Fee         Fee        Fee
----------------------------------------------------------------------------------------------------------
<S>                                  <C>          <C>          <C>          <C>         <C>        <C>
Category 1                            .325%        .325%       1.075%       .075%       .075%       .825%
A- or higher or A3 or higher
----------------------------------------------------------------------------------------------------------
Category 2                            .400%        .400%       1.150%       .100%       .100%       .850%
BBB+ or Baal
----------------------------------------------------------------------------------------------------------
Category 3                            .625%        .625%       1.375%       .125%       .125%       .875%
BBB or Baa2
----------------------------------------------------------------------------------------------------------
Category 4                            .725%        .725%       1.475%       .150%       .150%       .900%
BBB- and Baa3
----------------------------------------------------------------------------------------------------------
Category 5                            .800%        .800%       1.550%       .200%       .200%       .950%
BB+ and Bal
----------------------------------------------------------------------------------------------------------
Category 6                           1.000%       1.000%       1.750%       .250%       .250%      1.000%
lower than BB+ or lower than Ba1
==========================================================================================================
</TABLE>

     For purposes of the foregoing, (i) if either Moody's or S&P shall not have
in effect a rating for the Index Debt (other than by reason of the circumstances
referred to in the last sentence of this definition), then such rating agency
shall be deemed to have established a rating in Category 6; (ii) if the ratings
established or deemed to have been established by Moody's and S&P for the Index
Debt shall fall within different Categories, then (A) if both such ratings are
at or above Category 4, the Applicable Percentage shall be based on the higher
of the two ratings unless one of the two ratings is two or more Categories lower
than the other, in which case the Applicable Percentage shall be determined by
reference to the Category next above that of the

                                       2

<PAGE>

lower of the two ratings and (B) if one or both of such ratings is below
Category 4, the Applicable Percentage shall be determined by reference to the
lower of the two ratings; and (iii) if the ratings established or deemed to have
been established by Moody's and S&P for the Index Debt shall be changed (other
than as a result of a change in the rating system of Moody's or S&P), such
change shall be effective as of the date on which it is first announced by the
applicable rating agency. Each change in the Applicable Percentage shall apply
during the period commencing on the effective date of such change and ending on
the date immediately preceding the effective date of the next such change. If
the rating system of Moody's or S&P shall change, or if either such rating
agency shall cease to be in the business of rating corporate debt obligations,
the Lessee and the Lenders and the Holders shall negotiate in good faith to
amend this definition to reflect such changed rating system or the
unavailability of ratings from such rating agency and, pending the effectiveness
of any such amendment, the Applicable Percentage shall be determined by
reference to the rating most recently in effect prior to such change or
cessation.

     In the event of any replacement or amendment of the pricing grid setting
forth the "Eurodollar Spread" and the "Facility Fee Rate" in the definition of
"Applicable Rate" under the Lessee Credit Agreement, the Eurodollar Spread for
Tranche A Eurodollar Loans and Tranche B Eurodollar Loans and the Facility Fees
for Tranche A Lender Facility Fees and Tranche B Lender Facility Fees set forth
herein for each Index Debt Rating shall be amended to equal the Eurodollar
Spread or Facility Fee, as applicable, set forth for each corresponding Index
Debt Rating in the Lessee Credit Agreement, as replaced or amended, and the
Eurodollar Spread for Eurodollar Holder Advances and the Holder Facility shall,
in each case, be equal to the Eurodollar Spread or Facility Fee, as applicable,
set forth for each corresponding Index Debt Rating in the Lessee Credit
Agreement, as replaced or amended, plus .75%; provided, in the event that any
such replacement or amendment of the pricing grid setting forth the "Eurodollar
Spread" and the "Facility Fee Rate" in the definition of "Applicable Rate" under
the Lessee Credit Agreement includes both a 364-day tranche and a multi-year
tranche, the Eurodollar Spread for Tranche A Eurodollar Loans and Tranche B
Eurodollar Loans and the Facility Fees for Tranche A Lender Facility Fees and
Tranche B Lender Facility Fees set forth herein for each Index Debt Rating shall
be amended to equal the Eurodollar Spread or Facility Fee for the multi-year
tranche (rather than the 364-day tranche), as applicable, set forth for each
corresponding Index Debt Rating in the Lessee Credit Agreement, as replaced or
amended, and the Eurodollar Spread for Eurodollar Holder Advances and the Holder
Facility shall, in each case, be equal to the Eurodollar Spread or Facility Fee
for the multi-year tranche (rather than the 364-day tranche), as applicable, set
forth for each corresponding Index Debt Rating in the Lessee Credit Agreement,
as replaced or amended, plus .75%; provided, further, any such amendment to the
Eurodollar Spread for Tranche A Eurodollar Loans and Tranche B Eurodollar Loans
and the Facility Fees for Tranche A Lender Facility Fees and Tranche B Lender
Facility Fees described in this sentence shall only be effective upon the
unanimous written consent of the Lenders and the Holders, and if such unanimous
written consent is not received, the Eurodollar Spread for Tranche A Eurodollar
Loans, Tranche B Eurodollar Loans and Eurodollar Holder Advances and the
Facility Fees for Tranche A Lender Facility Fees, Tranche B Lender Facility Fees
and Holder Facility Fees shall continue to be as set forth above.

                                       3

<PAGE>

     "Assignment and Acceptance" shall mean the Assignment and Acceptance in the
form attached to the Credit Agreement as Exhibit B.

     "Eligible Assignee" shall mean (i) a Lender or a Holder, as the case may
be; (ii) an Affiliate of a Lender or a Holder, as the case may be; and (iii) any
other Person approved by the Agent and, unless an Event of Default has occurred
and is continuing at the time any assignment is effected in accordance with the
Operative Agreements, the Lessee or the Construction Agent, such approval not to
be unreasonably withheld or delayed by the Lessee or the Construction Agent and
such approval to be deemed given by the Lessee or the Construction Agent if no
objection is received by the assigning Lender or Holder and the Agent from the
Lessee or the Construction Agent within five (5) Business Days after notice of
such proposed assignment has been provided by the assigning Lender or Holder to
the Lessee or the Construction Agent; provided, however, that neither the Lessee
or the Construction Agent nor an Affiliate of the Lessee or the Construction
Agent shall qualify as an Eligible Assignee.

     "Holder Commitments" shall mean $1,956,000, as such amount may be increased
or decreased from time to time in accordance with the provisions of the
Operative Agreements (including without limitation pursuant to Section 5.13 of
the Participation Agreement); provided, if there shall be more than one (1)
Holder, the Holder Commitment of each Holder shall be as set forth in Schedule I
to the Trust Agreement as such Schedule I may be amended and replaced from time
to time (including without limitation pursuant to Section 5.13 of the
Participation Agreement).

     "Incorporated Covenants" shall have the meaning given to such term in
Section 28.2 of the Lease.

     "Incorporated Representations and Warranties" shall have the meaning given
to such term in Section 28.2 of the Lease.

     "Index Debt" means senior, unsecured, long-term indebtedness for borrowed
money of the Lessee that is not guaranteed by any other Person or subject to any
other credit enhancement.

     "Interest Period" means with respect to any Eurodollar Loan or Eurodollar
Holder Advance, the period commencing on the date of such Loan or Holder Advance
and ending on the numerically corresponding day in the calendar month that is
one, two, three or six months (or, with the consent of each Lender and each
Holder, nine or twelve months) thereafter, as the Borrower may elect; provided
that (i) if any Interest Period would end on a day other than a Business Day,
such Interest Period shall be extended to the next succeeding Business Day
unless, in the case of a Eurodollar Loan or Eurodollar Holder Advance, such next
succeeding Business Day would fall in the next calendar month, in which case
such Interest Period shall end on the next preceding Business Day and (ii) any
Interest Period pertaining to a Eurodollar Loan or Eurodollar Holder Advance
that commences on the last Business Day of a calendar month (or on a day for
which there is no numerically corresponding day in the last calendar month of
such Interest Period) shall end on the last Business Day of the last calendar
month of such Interest Period. For purposes hereof, the date of a Loan or Holder
Advance shall be the date on which

                                       4

<PAGE>

such Loan or Holder Advance is made, the effective date of the most recent
conversion or continuation of such Loan or Holder Advance.

     "Lender Commitments" shall mean $63,244,000, as such amount may be
increased or decreased from time to time in accordance with the provisions of
the Operative Agreements (including without limitation pursuant to Section 5.13
of the Participation Agreement); provided, if there shall be more than one (1)
Lender, the Lender Commitment of each Lender shall be as set forth in Schedule
2.1 to the Credit Agreement as such Schedule 2.1 may be amended and replaced
from time to time (including without limitation pursuant to Section 5.13 of the
Participation Agreement).

     "Lessee Credit Agreement" shall mean that certain 364-Day Credit Agreement
dated as of December 16, 1998 between the Lessee and the lenders party thereto,
PNC Bank, National Association, Bank of America National Trust & Savings
Association and Citibank, N.A., as cosyndication agents, and The Chase Manhattan
Bank, as administrative agent, as such may hereafter be amended, modified,
supplemented, restated and/or replaced from time to time with the same or
different lenders and, subject to Section 28.2 of the Lease, any such amended,
modified, supplemented, restated or new credit facility shall be deemed to be
included in this definition.

     "Lessee Credit Agreement Event of Default" shall mean an Event of Default
as defined in Article VII of the Lessee Credit Agreement.

     "Majority Holders" shall mean at any time, Holders whose Holder Advances
outstanding represent at least fifty-one percent (51%) of (a) the aggregate
Holder Advances outstanding or (b) to the extent there are no Holder Advances
outstanding, the aggregate Holder Commitments.

     "Majority Lenders" shall mean at any time, Lenders whose Loans outstanding
represent at least fifty-one percent (51%) of (a) the aggregate Loans
outstanding or (b) to the extent there are no Loans outstanding, the aggregate
of the Lender Commitments.

     "Majority Secured Parties" shall mean at any time, Lender and Holders whose
Loans and Holder Advances outstanding represent at least fifty-one percent (51
%) of (a) the aggregate Advances outstanding or (b) to the extent there are no
Advances outstanding, the sum of the aggregate Holder Commitments plus the
aggregate Lender Commitments.

     "New Facility" shall have the meaning given to such term in Section 28.2 of
the Lease.

     "Participant" shall have the meaning given to such term in Section 9.7 of
the Credit Agreement.

     "Register" shall have the meaning given to such term in Section 9.9 of the
Credit Agreement.

     2. The following is hereby added as Section 3.4 to the Participation
Agreement:

                                       5

<PAGE>

3.4. Ratable Interests of the Holders and the Lenders.

     Each Holder and Lender agrees at all times (a) to hold the same ratable
portion of the aggregate Lender Commitment for Tranche A Loans, the aggregate
Lender Commitment for Tranche B Loans and the aggregate Holder Commitment and
(b) to make advances consistent with such committed amounts referenced in
Section 3.4(a) in accordance with the requirements of the Operative Agreements.

     3. Section 5.3(a) of the Participation Agreement is hereby amended to read
as follows:

          (a) the correctness of the representations and warranties of the
     parties to this Agreement contained herein, in each of the other Operative
     Agreements and each certificate delivered pursuant to any Operative
     Agreement (including without limitation the Incorporated Representations
     and Warranties) on each such date;

     4. Section 5.4(a) of the Participation Agreement is hereby amended to read
as follows:

          (a) the correctness on such date of the representations and warranties
     of the parties to this Agreement contained herein, in each of the other
     Operative Agreements and in each certificate delivered pursuant to any
     Operative Agreement (including without limitation the Incorporated
     Representations and Warranties);

     5. The first sentence of Section 5.5 of the Participation Agreement is
hereby amended to read as follows:

     On or prior to the Completion Date for each Property, the Construction
Agent shall deliver to the Agent an Officer's Certificate in the form attached
hereto as Exhibit I, or in such other form as is acceptable to the Agent
specifying (a) the address for such Property, (b) the Completion Date for such
Property, (c) the aggregate Property Cost for such Property, (d) detailed,
itemized documentation supporting the asserted Property Cost figures and (e)
that all representations and warranties of the Construction Agent and Lessee in
each of the Operative Agreements and each certificate delivered pursuant thereto
(including without limitation the Incorporated Representations and Warranties)
are true and correct as of the Completion Date.

     6. Section 6.2(a) of the Participation Agreement is hereby amended to read
as follows:

          (a) The Incorporated Representations and Warranties are true and
     correct (unless such relate solely to an earlier point in time) and the
     Lessee has delivered to the Agent the financial statements and other
     reports referred to in Section 5.01 of the Lessee Credit Agreement;

     7. Section 8.3(e) of the Participation Agreement is hereby amended to read
as follows:

                                       6

<PAGE>

          (e) The Lessee hereby covenants and agrees to cause an Appraisal or
     reappraisal (in form and substance satisfactory to the Agent and from an
     appraiser selected by the Agent) to be issued respecting any Property as
     requested by the Agent from time to time (i) at each and every time as such
     shall be required to satisfy any regulatory requirements imposed on the
     Agent, the Lessor, the Trust Company, any Lender and/or any Holder, (ii)
     after the occurrence of an Event of Default and (iii) in connection with
     the exercise by the Lessee of the Purchase Option with respect to one or
     more, but less than all, of the Properties pursuant to Article XX of the
     Lease.

     8. Section 8.3(1) of the Participation Agreement is hereby deleted.

     9. Section 8.3(p)(i) of the Participation Agreement is hereby amended to
read as follows:

               (i) except as permitted by the express provisions of the Lessee
          Credit Agreement, preserve and maintain its separate legal existence
          and all rights, franchises, licenses and privileges necessary to the
          conduct of its business, and qualify and remain qualified as a foreign
          corporation (or partnership, limited liability company or other such
          similar entity, as the case may be) and authorized to do business in
          each jurisdiction in which the failure to so qualify and remain
          qualified would have a Material Adverse Effect;

     10. Sections 8.3(u),  (v), (w) and (x) of the  Participation  Agreement are
hereby deleted.

     11. Section 10 of the Participation  Agreement is hereby amended to read as
follows:

                        SECTION 10. TRANSFER OF INTEREST.

     10.1. Restrictions on Transfer.

     Each Lender may participate, assign or transfer all or a portion of its
interest hereunder and under the other Operative Agreements in accordance with
Sections 9.7 and 9.8 of the Credit Agreement; provided, each participant,
assignee or transferee must obtain the same ratable interest in Tranche A Loans,
Tranche A Commitments, Tranche B Loans and Tranche B Commitments, and (and to
the extent the selling Lender is also a Holder (or an Affiliate of a Holder),
each such participant, assignor or transferee must also obtain the same ratable
interest in and to the Holder Advances, Holder Commitments and the Trust
Estate); provided further, that each Lender that participates, assigns or
transfers all or a portion of its interest hereunder and under the other
Operative Agreements shall deliver to the Agent a copy of each Assignment and
Acceptance (as referenced in Section 9.8 of the Credit Agreement) for purposes
of maintaining the Register. The Holders may, directly or indirectly, assign,
convey or otherwise transfer any of their right, title or interest in or to the
Trust Estate or the Trust Agreement with the prior written consent of the Agent
and the Lessee (which consent shall not be unreasonably withheld or delayed) and
in accordance with the terms of Section 11.8(b) of the Trust Agreement;
provided,

                                       7

<PAGE>

to the extent the selling Holder is also a Lender (or an Affiliate of a Lender),
each such assignee, receiver of a conveyance or other transferee must also
obtain the same ratable interest in and to the Tranche A Loans, Tranche A
Commitments, Tranche B Loans and Tranche B Commitments. The Owner Trustee may,
subject to the rights of the Lessee under the Lease and the other Operative
Agreements and to the Lien of the applicable Security Documents but only with
the prior written consent of the Agent (which consent may be withheld by the
Agent in its sole discretion) and (provided, no Default or Event of Default has
occurred and is continuing) with the consent of the Lessee, directly or
indirectly, assign, convey, appoint an agent with respect to enforcement of, or
otherwise transfer any of its right, title or interest in or to any Property,
the Lease, the Trust Agreement and the other Operative Agreements (including
without limitation any right to indemnification thereunder), or any other
document relating to a Property or any interest in a Property as provided in the
Trust Agreement and the Lease. The provisions of the immediately preceding
sentence shall not apply to the obligations of the Owner Trustee to transfer
Property to the Lessee or a third party purchaser pursuant to Article XXII of
the Lease upon payment for such Property in accordance with the terms and
conditions of the Lease. Neither the Lessee nor the Construction Agent may
assign any of the Operative Agreements or any of their respective rights or
obligations thereunder or with respect to any Property in whole or in part to
any Person without the prior written consent of the Agent, the Lenders, the
Holders and the Lessor.

     10.2. Effect of Transfer.

     From and after any transfer effected in accordance with this Section 10,
the transferor shall be released, to the extent of such transfer, from its
liability hereunder and under the other documents to which it is a party in
respect of obligations to be performed on or after the date of such transfer;
provided, however, that any transferor shall remain liable hereunder and under
such other documents to the extent that the transferee shall not have assumed
the obligations of the transferor thereunder. Upon any transfer by the Owner
Trustee, a Holder or a Lender as above provided, any such transferee shall
assume the obligations of the Owner Trustee, the Holder or the Lender, as the
case may be, and shall be deemed an "Owner Trustee", "Holder", or "Lender", as
the case may be, for all purposes of such documents and each reference herein to
the transferor shall thereafter be deemed a reference to such transferee for all
purposes, except as provided in the preceding sentence. Notwithstanding any
transfer of all or a portion of the transferor's interest as provided in this
Section 10, the transferor shall be entitled to all benefits accrued and all
rights vested prior to such transfer including without limitation rights to
indemnification under any such document.

                                CREDIT AGREEMENT

     12. Sections 6(a) and (b) of the Credit Agreement are hereby amended to
read as follows:

     (a) Except as provided in Section 6(c), the Borrower shall default in the
payment when due of any principal on the Loans or default in the payment when
due of any interest on the Loans, and in either such case, such default shall
continue for three (3) or more Business Days; or

                                       8

<PAGE>

     (b) Except as provided in Sections 6(a) and 6(c), the Borrower shall
default, and such default shall continue for three (3) or more Business Days, in
the payment of any amount owing under any Credit Document; or

     13. Section 9.7 of the Credit Agreement is hereby amended to read as
follows:

     9.7  Participations.

     Subject to and in accordance with Section 10.1 of the Participation
Agreement, each Lender may sell participation to one or more Persons (each, a
"Participant") in all or a portion of its rights, obligations or rights and
obligations under the Operative Agreements (including all or a portion of its
Commitment or its Loans); provided, however, that (a) such Lender's obligations
under the Operative Agreements shall remain unchanged, (b) such Lender shall
remain solely responsible to the other parties hereto for the performance of
such obligations, (c) the Participant shall be entitled to the benefit of the
yield protection provisions contained in Sections 11.2(e), 11.3 and 11.4 of the
Participation Agreement and the right of set-off contained in Section 12.15 of
the Participation Agreement, and (d) the Borrower shall continue to deal solely
and directly with such Lender in connection with such Lender's rights and
obligations under the Operative Agreements, and such Lender shall retain the
sole right to enforce the obligations of the Borrower relating to its Loans and
its Notes and to approve any amendment, modification, or waiver of any provision
of the Operative Agreements (other than amendments, modifications, or waivers
decreasing the amount of principal of or the rate at which interest is payable
on such Loans or Notes, extending any scheduled principal payment date or date
fixed for the payment of interest on such Loans or Notes, or extending its
Commitment).

     Any Lender may furnish any information concerning the Borrower, the Lessee
or any Subsidiaries of the Lessee in the possession of such Lender from time to
time to participants (including prospective participants), subject, however, to
the provisions of Section 12.13 of the Participation Agreement.

     14. Section 9.8 of the Credit Agreement is hereby amended to read as
follows:

     9.8  Assignments.

     Assignments. (a) Subject to and in accordance with Section 10.1 of the
     Participation Agreement, each Lender may assign to one or more Eligible
     Assignees all or a portion of its rights and obligations under the
     Operative Agreements (including, without limitation, all or a portion of
     its Loans, its Notes, and its Commitment); provided, however, that

               (i) each such assignment shall be to an Eligible Assignee;

               (ii) except in the case of an assignment to another Lender or an
          assignment of all of a Lender's rights and obligations under the
          Operative Agreements, any such partial assignment shall be in an
          amount at least equal to $10,000,000 or an integral multiple of
          $1,000,000 in excess thereof;

                                       9

<PAGE>

               (iii) each such assignment by a Lender shall be of a constant,
          and not varying, percentage of all of its rights and obligations under
          the Operative Agreements and the Notes; and

               (iv) the parties to such assignment shall execute and deliver to
          the Agent for its acceptance an Assignment and Acceptance
          substantially in the form of Exhibit B hereto, together with any Note
          subject to such assignment and a processing fee in an amount not to
          exceed $3,500.

     Upon execution, delivery, and acceptance of such Assignment and Acceptance,
     the assignee thereunder shall be a party hereto and, to the extent of such
     assignment, have the obligations, rights and benefits of a Lender under the
     Operative Agreements and the assigning Lender shall, to the extent of such
     assignment, relinquish its rights and be released from its obligations
     under the Operative Agreements. Upon the consummation of any assignment
     pursuant to this Section, the assignor, the Agent and the Borrower shall
     make appropriate arrangements so that, if required, new Notes are issued to
     the assignor and the assignee. If the assignee is not incorporated under
     the laws of the United States of America or a state thereof, it shall
     deliver to the Borrower and the Agent certification as to exemption from
     deduction or withholding of Taxes in accordance with Section 11.2(e) of the
     Participation Agreement.

          (b) Upon its receipt of an Assignment and Acceptance executed by the
     parties thereto, together with any Note subject to such assignment and
     payment of the processing fee, the Agent shall, if such Assignment and
     Acceptance has been completed and is in substantially the form of Exhibit B
     hereto, (i) accept such Assignment and Acceptance, (ii) record the
     information contained therein in the Register and (iii) give prompt notice
     thereof to the parties thereto.

          (c) Notwithstanding any other provision set forth in any Operative
     Agreement, any Lender may at any time assign and pledge all or any portion
     of its Loans and its Notes to any Federal Reserve Bank as collateral
     security pursuant to Regulation A and any Operating Circular issued by such
     Federal Reserve Bank. No such assignment shall release the assigning Lender
     from its obligations hereunder.

          (d) Any Lender may furnish any information concerning the Borrower,
     the Lessee or any Subsidiaries of the Lessee in the possession of such
     Lender from time to time to assignees (including prospective assignees),
     subject, however, to the provisions of Section 12.13 of the Participation
     Agreement.

     15. Section 9.9 of the Credit Agreement is hereby amended to read as
follows:

     9.9  The Register; Disclosure; Pledges to Federal Reserve Banks.

     The Agent shall maintain at its address referred to in Section 12.2 of the
Participation Agreement a copy of each Assignment and Acceptance delivered to
and accepted by it and a

                                       10

<PAGE>

register for the recordation of the names and addresses of the Lenders and the
Commitment of, and principal amount of the Loans owing to, each Lender from time
to time (the "Register"). The entries in the Register shall be conclusive and
binding for all purposes, absent manifest error, and the Borrower, the Agent and
the Lenders may treat each Person whose name is recorded in the Register as a
Lender hereunder for all purposes of this Agreement. The Register shall be
available for inspection by the Borrower or any Lender at any reasonable time
and from time to time upon reasonable prior notice.

     16. Schedule 2.1 of the Credit Agreement is hereby deemed amended and
restated in its entirety to read as Schedule 2.1 attached hereto as EXHIBIT 1.

     17. The form of Assignment and Acceptance attached hereto as RIDER A is
hereby added as EXHIBIT B to the Credit Agreement.

                                 TRUST AGREEMENT

     18. Section 11.8(b) of the Trust Agreement is hereby amended to read as
follows:

          Any Holder may transfer or assign all or any portion of its right,
          title and interest in the Trust Estate, this Trust Agreement and the
          Certificate of such Holder in accordance with the requirements of
          Section 10.1 of the Participation Agreement and pursuant to an
          assignment agreement in substantially the form of Exhibit B, which
          assignment agreement shall provide, without limitation, that the
          assignee undertakes and assumes all obligations and covenants of a
          Holder under this Trust Agreement and the other Operative Agreements.
          The Holder proposing the transfer or assignment shall notify the Owner
          Trustee, the Agent and Lessee in writing of the effective date of the
          transfer or assignment, which effective date shall be at least three
          (3) Business Days after the date of such notification. The Owner
          Trustee shall maintain a register showing the Holders and their
          respective interests in the Trust Estate and, upon the occurrence of a
          permitted assignment pursuant to this Section 11.8(b), shall issue a
          Certificate to the assignee and, if the assigning Holder is
          maintaining an interest hereunder, a new Certificate to such assigning
          Holder representing its revised interest in the Trust Estate. The
          Owner Trustee shall not recognize any purported assignment or transfer
          by a Holder that does not comply with the terms of this Section
          11.8(b) and any such attempted transfer or assignment by a Holder in
          violation of the terms of this Section 11.8(b) shall be null and void
          and of no effect.

     19. Schedule I of the Trust Agreement is hereby deemed amended and restated
in its entirety to read as Schedule I attached hereto as EXHIBIT 2.

     20. The form of assignment agreement attached hereto as RIDER B is hereby
added as EXHIBIT B to the Trust Agreement.

                                       11

<PAGE>

                               SECURITY AGREEMENT

     21. The first paragraph of the Preliminary Statement to the Security
Agreement is hereby deleted and replaced with the following:

     Pursuant to the Credit Agreement, the Lenders have severally agreed to make
Loans to the Borrower in an aggregate amount not to exceed $63,244,000 upon the
terms and subject to the conditions set forth therein, to be evidenced by the
Notes issued by the Borrower under the Credit Agreement. Pursuant to the Trust
Agreement, the Holders have agreed to purchase the ownership interests of the
Trust created thereby in an aggregate amount not to exceed $1,956,000 upon the
terms and subject to the conditions set forth therein, to be evidenced by the
Certificates issued by the Borrower under the Trust Agreement. The Borrower is,
or shall be upon the date of the initial Advance with respect to each Property,
the legal and beneficial owner of such Property (except the Borrower may have a
ground leasehold interest in certain Properties pursuant to one (1) or more
Ground Leases). The Borrower holds a ground leasehold interest in certain
Properties pursuant to a ground lease dated September 10, 1998 between Convergys
Corporation and the Borrower.

                                 LEASE AGREEMENT

     22. The reference to "$30,000,000" in Section 5.2 of the Lease and in
Section 7 of the form of OPEN-END MORTGAGE, ASSIGNMENT OF LEASES, RENTS AND
PROFITS AND MEMORANDUM OF LEASE AND LEASE SUPPLEMENT NO.     attached to the
                                                         ---
Lease as EXHIBIT B TO THE LEASE is hereby deleted and replaced with
"$65,200,000".

     23. Section 10.1(e) of the Lease is hereby amended to read as follows:

          (e) Lessee shall cause to be delivered to Lessor (at Lessee's sole
     expense) one or more additional Appraisals (or reappraisals of Property) as
     Lessor may request if any one of Lessor, the Agent, the Trust Company, any
     Lender or any Holder is required pursuant to any applicable Legal
     Requirement to obtain such Appraisals (or reappraisals), upon the
     occurrence of any Event of Default and in connection with the exercise by
     the Lessee of the Purchase Option with respect to one or more, but less
     than all, of the Properties pursuant to Article XX.

     24. Sections 17.1(a) and (b) of the Lease are hereby amended to read as
follows:

               (a) Lessee shall fail to make payment of (i) any Basic Rent
          (except as set forth in clause (ii)) within three (3) Business Days
          after the same has become due and payable or (ii) any Termination
          Value, on the date any such payment is due and payable, or any payment
          of Basic Rent or Supplemental Rent due on the due date of any such
          payment of Termination Value, or any amount due on the Expiration
          Dare;

               (b) Lessee shall fail to make payment of any Supplemental Rent
          (other than Supplemental Rent referred to in Section 17.1(a)(ii) or
          any other Credit Party

                                       12

<PAGE>

          shall fail to make any payment of any amount under any Operative
          Agreement which has become due and payable within three (3) Business
          Days after receipt of notice that such payment is due;

     25. Section 17.1(d) of the Lease is hereby amended to read as follows:

          (d) (i) Lessee shall fail to observe or perform any term, covenant,
     obligation or condition of Lessee (including without limitation the
     Incorporated Covenants) under this Lease or any other Operative Agreement
     to which Lessee is a party other than those set forth in Sections 17.1(a),
     (b) or (c) hereof, or any other Credit Party shall fail to observe or
     perform any term, covenant, obligation or condition of such Credit Party
     (including without limitation the Incorporated Covenants) under any
     Operative Agreement other than those set forth in Section 17.1(b) hereof
     and such failure shall continue for thirty (30) days after notice thereof
     to Lessee or such Credit Party; provided, if such failure cannot be cured
     within such thirty (30) days but can be cured with subsequent diligence and
     Lessee or such Credit Party diligently pursues such cure, then no Lease
     Event of Default shall be deemed to occur with respect to such failure
     until the passage of an additional sixty (60) days after the initial thirty
     (30) days referenced above or (ii) any representation or warranty made by
     Lessee or any other Credit Party (including without limitation the
     Incorporated Representations and Warranties) set forth in this Lease or in
     any other Operative Agreement or in any document entered into in connection
     herewith or therewith or in any document, certificate or financial or other
     statement delivered in connection herewith or therewith shall be false or
     inaccurate in any material way when made and such matter giving rise to
     such misrepresentation or breach of warranty shall continue for thirty (30)
     days after notice thereof to Lessee or such Credit Party; provided, if such
     matter giving rise to such misrepresentation or breach of warranty cannot
     be cured within such thirty (30) days but can be cured with subsequent
     diligence and Lessee or such Credit Party diligently pursues such cure,
     then no Lease Event of Default shall be deemed to occur with respect to
     such failure until the passage of an additional sixty (60) days after the
     initial thirty (30) days referenced above;

     26. The following is hereby added as Section 17.1(r) of the Lease:

          (r) Any Lessee Credit Agreement Event of Default shall have occurred
     and be continuing and shall not have been waived;

     27. Section 20.1 is hereby amended to read as follows:

          20.1 Purchase Option or Sale Option-General Provisions.

          Not less than one hundred twenty (120) days and no more than one
hundred eighty (180) days prior to the Expiration Date or (respecting the
Purchase Option only) any Payment Date prior to the Expiration Date (so long as
the appraised value pursuant to an Appraisal delivered to the Agent not more
than sixty (60) days prior to the Payment Date specified in the Election Notice,
as defined below, respecting each Property remaining in the Trust and subject to
this Lease after such Payment Date is equal to or greater than ninety percent

                                       13

<PAGE>

(90%) of the Property Cost of such remaining Property), Lessee may give Lessor
irrevocable written notice (the "Election Notice") that Lessee is electing to
exercise either (a) the option to purchase all, but not less than all, the
Properties on the Expiration Date or each Property or any Property on the
Payment Date specified in the Election Notice (the "Purchase Option") or (b)
with respect to an Election Notice given in connection with the Expiration Date
only, the option to remarket all, but not less than all, the Properties to a
Person other than Lessee or any Affiliate of Lessee and cause a sale of such
Properties to occur on the Expiration Date pursuant to the terms of Section 22.1
(the "Sale Option"). Not more than two hundred (200) days prior to the final
Expiration Date, Lessor may give Lessee notice of Lessee's obligation to deliver
the Election Notice. If Lessee fails to give an Election Notice within the
specified time period prior to the Expiration Date and Lessor has not given
Lessee notice as specified in the preceding sentence, then Lessor shall give
Lessee notice of Lessee's obligation to deliver the Election Notice, and Lessee
shall have five (5) Business Days after receipt of such notice within which to
make the Election Notice. If Lessee elects, or is deemed to have elected, either
the Purchase Option or the Sale Option and fails to satisfy all related
obligations of Lessee pursuant to the Operative Agreements, then such failure
shall be deemed to be a Lease Event of Default. If Lessee does not give an
Election Notice indicating the Purchase Option or the Sale Option at least one
hundred twenty (120) days and not more than one hundred eighty (180) days prior
to the Expiration Date, then, unless such Expiration Date is the final
Expiration Date to which the Term may be extended, the term of this Lease shall
be extended in accordance with Section 2.2 hereof; if such Expiration Date is
the final Expiration Date (and Lessor has given Lessee notice of Lessee's
obligation to deliver the Election Notice but Lessee has not made its Election
Notice within five (5) Business Days after receipt of such notice from Lessor),
then Lessee shall be deemed to have elected the Purchase Option. If Lessee shall
either (i) elect (or be deemed to have elected) to exercise the Purchase Option
or (ii) elect the Sale Option and fail to cause all, but not less than all, the
Properties to be sold in accordance with the terms of Section 22.1 on the
Expiration Date, then in either case Lessee shall pay to Lessor on the date on
which such purchase or sale is scheduled to occur an amount equal to the
Termination Value for all, but not less than all, the Properties (which the
parties do not intend to be a "bargain" purchase price) and, upon receipt of
such amounts and satisfaction of such obligations, Lessor shall transfer to
Lessee all of Lessor's right, title and interest in and to all, but not less
than all, the Properties in accordance with Section 20.2.

     28. Section 20.2 is hereby amended to read as follows:

     20.2 Lessee Purchase Option.

          Provided, no Default or Event of Default shall have occurred and be
continuing (other than those that will be cured by the payment of the
Termination Value for all the Properties) and provided, that the Election Notice
has been appropriately given specifying the Purchase Option, Lessee shall
purchase all the Properties on the Expiration Date or each Property or any
Property as elected for any Payment Date prior to the Expiration Date at a price
equal to the Termination Value for such Properties (which the parties do not
intend to be a "bargain" purchase price).

                                       14

<PAGE>

          Subject to Section 19.2, in connection with any termination of this
Lease with respect to any Property pursuant to the terms of Section 16.2, or in
connection with Lessee's exercise of its Purchase Option, upon the date on which
this Lease is to terminate with respect to a Property or all of the Properties,
and upon tender by Lessee of the amounts set forth in Section 16.2(b) or this
Section 20.2, as applicable, Lessor shall execute, acknowledge (where required)
and deliver to Lessee, at Lessee's cost and expense, each of the following: (a)
a termination or assignment (as requested by the Lessee) of each applicable
Ground Lease and special or limited warranty Deeds conveying each Property (to
the extent it is real property not subject to a Ground Lease) to Lessee free and
clear of the Lien of this Lease, the Lien of the Credit Documents and any Lessor
Liens; (b) a Bill of Sale conveying each Property (to the extent it is personal
property) to Lessee free and clear of the Lien of this Lease, the Lien of the
Credit Documents and any Lessor Liens and, to the extent the following are
agreed to by the Agent in its reasonable discretion, such title affidavits and
other documents as may be reasonably requested by any title insurance
underwriter issuing title insurance in connection with the acquisition of each
such Property by Lessee; (c) any real estate tax affidavit or other document
required by law to be executed and filed in order to record the applicable Deed
and/or the applicable Ground Lease termination; and (d) FIRPTA affidavits. All
of the foregoing documentation must be in form and substance reasonably
satisfactory to Lessor. The applicable Property shall be conveyed to Lessee
"AS-IS, WHERE-IS" and in then present physical condition.

          If any Property is the subject of remediation efforts respecting
Hazardous Substances at the Expiration Date which could materially and adversely
impact the Fair Market Sales Value of such Property (with materiality determined
in Lessor's discretion), then Lessee shall be obligated to purchase each such
Property pursuant to Section 20.2.

          On the Expiration Date and/or any Payment Date on which Lessee has
elected to exercise its Purchase Option, Lessee shall pay (or cause to be paid)
to Lessor, the Agent and all other parties, as appropriate, the sum of all costs
and expenses incurred by any such party in connection with the election by
Lessee to exercise its Purchase Option and all Rent and all other amounts then
due and payable or accrued under this Lease and/or any other Operative
Agreement.

     29. The following is hereby added as Section 28.2 of the Lease:

     28.2 Incorporation of Covenants.

          Reference is made to the Lessee Credit Agreement and the
representations and warranties of Lessee contained in Article III of the Lessee
Credit Agreement (hereinafter referred to as the "Incorporated Representations
and Warranties") and the covenants contained in Articles V and VI of the Lessee
Credit Agreement (hereinafter referred to as the "Incorporated Covenants").
Lessee agrees with Lessor that the Incorporated Representations and Warranties
and the Incorporated Covenants (and all other relevant provisions of the Lessee
Credit Agreement related thereto, including without limitation the defined terms
contained in Section 1.01 thereof which are used in the Incorporated
Representations and Warranties and the Incorporated Covenants, hereinafter
referred to as the "Additional Incorporated Terms") are

                                       15

<PAGE>

hereby incorporated by reference into this Lease to the same extent and with the
same effect as if set forth fully herein and shall inure to the benefit of
Lessor, without giving effect to any waiver, amendment, modification or
replacement of the Lessee Credit Agreement or any term or provision of the
Incorporated Representations and Warranties or the Incorporated Covenants
occurring subsequent to the date of this Lease, except to the extent otherwise
specifically provided in the following provisions of this paragraph. In the
event a waiver is granted under the Lessee Credit Agreement or an amendment or
modification is executed with respect to the Lessee Credit Agreement, and such
waiver, amendment and/or modification affects the Incorporated Representations
and Warranties, the Incorporated Covenants or the Additional Incorporated Terms,
then such waiver, amendment or modification shall be effective with respect to
the Incorporated Representations and Warranties, the Incorporated Covenants and
the Additional Incorporated Terms as incorporated by reference into this Lease
only if consented to in writing by the Agent (acting upon the direction of the
Majority Secured Parties). In the event of any replacement of the Lessee Credit
Agreement with a similar credit facility (the "New Facility") the
representations and warranties, covenants and additional terms contained in the
New Facility which correspond to the representations and warranties, covenants
contained in Article III and Articles V and VI, respectively, and such
additional terms (each of the foregoing contained in the Lessee Credit
Agreement) shall become the Incorporated Representations and Warranties, the
Incorporated Covenants and the Additional Incorporated Terms only if consented
to in writing by the Agent (acting upon the direction of the Majority Secured
Parties) and, if such consent is not granted or if the Lessee Credit Agreement
is terminated and not replaced, then the representations and warranties and
covenants contained in Article III and Articles V and VI, respectively, and such
additional terms (each of the foregoing contained in the Lessee Credit Agreement
(together with any modifications or amendments approved in accordance with this
paragraph)) shall continue to be the Incorporated Representations and
Warranties, the Incorporated Covenants and the Additional Incorporated Terms
hereunder.

                                  MISCELLANEOUS

     30. This Amendment shall be effective upon satisfaction of the following
conditions:

          (a) execution and delivery of this Amendment by the parties hereto and
     execution and delivery of such other documents, agreements or instruments
     deemed necessary or advisable by the Agent; and

          (b) execution and delivery of the following:

               (i) an Assignment and Acceptance substantially in the form of
          EXHIBIT B to the Credit Agreement (as amended by this Amendment) and
          dated as of the date hereof between Bank of America, N.A., SunTrust
          Bank, Central Florida, N.A., and consented to by the Owner Trustee and
          the Agent, whereby Bank of America, N.A. agrees to assign, and
          SunTrust Bank, Central Florida, N.A. agrees to accept such assignment,
          of Tranche A Commitments (and a ratable portion of Tranche A Loans
          previously made to date thereunder) and Tranche B

                                       16

<PAGE>

          Commitments (and a ratable portion of Tranche B Loans previously made
          to date thereunder) in an aggregate amount of $9,700,000;

               (ii) an assignment agreement substantially in the form of EXHIBIT
          B to the Trust Agreement (as amended by this Amendment) and dated as
          of the date hereof between Bank of America, N.A., SunTrust Bank,
          Central Florida, N.A., and consented to by the Owner Trustee, the
          Agent and the Lessee, whereby Bank of America, N.A. agrees to assign,
          and SunTrust Bank, Central Florida, N.A. agrees to accept such
          assignment, of Holder Commitments (and a pro rata portion of Holder
          Advances previously made to date thereunder) in the amount of
          $300,000;

               (iii) an Assignment and Acceptance substantially in the form of
          EXHIBIT B to the Credit Agreement (as amended by this Amendment) and
          dated as of the date hereof between Bank of America, N.A., Bank One,
          N.A., and consented to by the Owner Trustee and the Agent, whereby
          Bank of America, N.A. agrees to assign, and Bank One, N.A. agrees to
          accept such assignment, of Tranche A Commitments (and a ratable
          portion of Tranche A Loans previously made to date thereunder) and
          Tranche B Commitments (and a ratable portion of Tranche B Loans
          previously made to date thereunder) in an aggregate amount of
          $19,400,000;

               (iv) an assignment agreement substantially in the form of EXHIBIT
          B to the Trust Agreement (as amended by this Amendment) and dated as
          of the date hereof between Bank of America, N.A., Bank One, N.A., and
          consented to by the Owner Trustee, the Agent and the Lessee, whereby
          Bank of America, N.A. agrees to assign, and Bank One, N.A. agrees to
          accept such assignment, of Holder Commitments (and a pro rata portion
          of Holder Advances previously made to date thereunder) in the amount
          of $600,000;

          (c) (i) receipt by the Agent of an officer's certificate of the Lessee
     and the Construction Agent (in form and in substance reasonably
     satisfactory to the Agent) certifying that a resolution has been adopted by
     Lessee's Board of Directors approving and authorizing the execution,
     delivery, and performance of this Amendment, specifying that no Default or
     Event of Default shall have occurred and be continuing, specifying that the
     representations and warranties of Lessee set forth in the Participation
     Agreement are true and correct (except for any such representations and
     warranties which relate solely to an earlier time) and certifying as to the
     incumbency of the officer of Lessee executing this Amendment and (ii)
     receipt by the Agent of an officer's certificate of each Credit Party
     (other than the Lessee and the Construction Agent) certifying that a
     resolution has been adopted by such Credit Party's Board of Directors
     approving and authorizing the execution, delivery and performance of this
     Amendment, such officer's certificate to be in form and substance
     reasonably satisfactory to the Agent and certifying as to the incumbency of
     the officer of such Credit Party executing this Amendment;

                                       17

<PAGE>

          (d) receipt by the Agent of legal opinions of counsel to the Lessee
     relating to this Amendment in form and substance reasonably satisfactory
     to the Agent;

          (e) Receipt by the Agent of payment from the Lessee of the structuring
     and arrangement fee referenced in that certain Engagement and Fee Letter
     dated as of August 21, 1998 among Convergys Corporation, Bank of America,
     N.A. (which is the successor to NationsBank, N.A.) and Banc of America
     Securities LLC (which is the successor to NationsBanc Montgomery
     Securities, LLC); and

          (f) payment by the Lessee of all fees referenced in that certain fee
     letter dated as of August 30, 1999 among the Lessee, the Agent and Banc of
     America Securities LLC.

     31. The parties to this Amendment hereby acknowledge and agree that:

          (a) the conditions precedent to an Acquisition Advance set forth in
     Sections 5.3(p) and 5.3(q) of the Participation Agreement are not
     applicable with respect to Phase I because Phase I is not subject to a
     Ground Lease;

          (b) the condition precedent to an Acquisition Advance set forth in
     Section 5.3(r) of the Participation Agreement is not applicable with
     respect to Phase I because no construction is contemplated with respect to
     Phase I, Phase I is not a Construction Period Property and no Construction
     Advances will be made in connection with Phase I;

          (c) the conditions precedent set forth in Sections 5.3(z) through
     5.3(gg) of the Participation Agreement are not applicable to the Property
     Closing Date relating to Phase I or the effective date of this
     Amendment because such conditions precedent are applicable only as of the
     Initial Closing Date; and

          (d) the conditions precedent to a Construction Advance set forth in
     Section 5.4 of the Participation Agreement are not applicable with respect
     to Phase I because no construction is contemplated with respect to Phase I,
     Phase I is not a Construction Period Property and no Construction Advances
     will be made in connection with Phase I.

     32. The parties to this Amendment hereby acknowledge and agree that none of
the liabilities or obligations of the Construction Agent under any of the
Operative Agreements that are binding on the Construction Agent solely in
connection with a Construction Period Property shall be applicable to the Lessee
in connection with Phase I; notwithstanding the foregoing, the parties to this
Amendment further acknowledge and agree that (a) no construction is contemplated
with respect to Phase I, Phase I is not a Construction Period Property and no
Construction Advances will be made in connection with Phase I, (b) the Basic
Term with respect to Phase I shall commence, and the Basic Term Commencement
Date and the Rent Commencement Date with respect to Phase I shall occur, on the
Property Closing Date respecting Phase I, and (c) with respect to Phase I, the
Lessee shall comply with all provisions of, and shall satisfy all liabilities
and obligations of the Lessee under, each of the Operative

                                       18

<PAGE>

Agreements binding upon the Lessee as such provisions, liabilities and
obligations apply with respect to any Property as of and after the Rent
Commencement Date for such Property.

     33. The Owner Trustee, the Agent and the Lessee hereby agree to waive the
three (3) Business Day notice required in connection with a transfer or
assignment pursuant to Section 11.8(b) of the Trust Agreement, as amended
pursuant to this Amendment, and any other notice required by any other provision
in any Operative Agreement in connection with such a transfer or assignment,
solely as such notice requirements are otherwise applicable to the assignments
from Bank of America, N.A. to SunTrust Bank, Central Florida, N.A. and to Bank
One, N.A., as more particularly described in sub-clauses (i) - (iv) of clause
(b) to paragraph 30 of this Amendment.

     34. Immediately after the effective date of this Amendment, Schedule 2.1 of
the Credit Agreement shall be deemed to be amended and restated in its entirety
to read as Replacement Schedule 2.1 attached hereto as EXHIBIT 3 and Schedule I
to the Trust Agreement shall be deemed to be amended and restated in its
entirety to read as Replacement Schedule I attached hereto as EXHIBIT 4.

     35. Except as modified hereby, all of the terms and provisions of the
Operative Agreements (including Schedules and Exhibits) shall remain in full
force and effect.

     36. The Lessee agrees to pay all reasonable costs and expenses of the Agent
in connection with the preparation, execution and delivery of this Amendment,
including without limitation the reasonable fees and expenses of Moore & Van
Allen, PLLC.

     37. This Amendment may be executed in any number of counterparts, each of
which when so executed and delivered shall be deemed an original and it shall
not be necessary in making proof of this Amendment to produce or account for
more than one such counterpart.

     38. This Amendment shall be deemed to be a contract made under, and for all
purposes shall be construed in accordance with the laws of the State of North
Carolina.

         [The remainder of this page has been left blank intentionally.]

                                       19

<PAGE>

     IN WITNESS WHEREOF, each of the parties hereto has caused a counterpart of
this Amendment to be duly executed and delivered as of the date first above
written.

                                        CONVERGYS CORPORATION,
                                        as the Construction Agent
                                        and as the Lessee

                                        By: /s/ Steven G. Rolls
                                            ------------------------------------
                                        Name:  Steven G. Rolls
                                        Title: CFO

                                        CONVERGYS CUSTOMER MANAGEMENT
                                        GROUP INC., as a Guarantor

                                        By: /s/ William Coleman
                                            ------------------------------------
                                        Name:  William Coleman
                                        Title: Sr. V.P.

                                        CONVERGYS INFORMATION MANAGEMENT
                                        GROUP INC., as a Guarantor

                                        By: /s/ Jeffery P. Poland
                                            ------------------------------------
                                        Name:  Jeffery P. Poland
                                        Title: Sr. V.P

                                        FIRST SECURITY BANK, NATIONAL
                                        ASSOCIATION, not individually, except as
                                        expressly stated herein, but solely as
                                        the Owner Trustee under the CRT Realty
                                        Trust 1998-1

                                        By: /s/ Val T. Orton
                                            ------------------------------------
                                        Name:  Val T. Orton
                                             -----------------------------------
                                        Title: Vice President
                                              ----------------------------------

<PAGE>

                                        BANK OF AMERICA, N.A. (which is the
                                        successor to NationsBank, N.A.), as a
                                        Holder, as a Lender and as the Agent

                                        By: /s/ John E. Williams
                                            ------------------------------------
                                        Name:  John E. Williams
                                        Title: Managing Director

<PAGE>

                                     Annex A

       [Description of Property Located in Maitland, Florida ("Phase I")]

                                LEGAL DESCRIPTION

A portion of Section 7, Township 20 South, Range 30 East and Section 12.
Township 20 South, Range 29 East. Seminole County, Florida being more
particularly described as follows:

Begin at the West 1/4 corner of Section 7, Township 20 South, Range 30 East,
Seminole County, Florida and run North 00 degree 21' 05" West along the West
line of the Northwest 1/4 of said Section 7 for a distance of 0.50 feet; thence
run North 89 degree 46' 28" East, 459.09 feet to the Westerly right of way line
of Interstate No. 4 (State Road No. 400); thence run South 17 degree 35' 11"
West along said right of way line for a distance of 429.25 feet; thence South 21
degree 35' 11" West, 592.53 feet; thence deporting said right of way run North
68 degree 24' 49" West, 1015.73 feet to a point lying on a curve concave
Southeasterly having a radius of 1041.19 feet; thence from a tangent bearing of
North 40 degree 16' 07" East run Northeasterly along the arc of said curve
through a central angle of 08 degree 19' 34" for 151.30 feet to a point of
compound curvature of a curve concave Southeasterly and having a radius of
3445.17 feet; thence Northeasterly along the arc of said curve through a central
angle of 11 degree 21' 53" for a distance of 683.36 feet to the point of
tangency, thence run North 59 degree 57' 35" East, 155.27 feet; thence run North
89 degree 46' 28" East, 38.97 feet to the POINT OF BEGINNING.

                     LESS: The following described property:

                                LIFT STATION SITE

A portion of Section 12, Township 20 South. Range 29 East, Seminole County,
Florida being more particularly described as follows:

Commence at the West 1/4 corner of Section 7, Township 20 South, Range 30 East,
Seminole County, Florida and run North 00 degree 21' 05" West along the West
line of the Northwest 1/4 of said Section 7 for a distance of (0.50) feet;
thence run North 89 degree 46' 28" East. 459.09 feet to the Westerly right of
way line of Interstate No. 4 (State Road No. 400); thence run South 17 degree
35' 11" West along said right of way line for a distance of 429.25 feet; thence
South 21 degree 35' 11" West, 592.53 feet; thence departing said right of way
run North 68 degree 24' 49" West. 702.86 feet to the POINT OF BEGINNING; thence
continue North 68 degree 24' 49" West, 20.00 feet; thence run North 21 degree
35' 11" East, 24.50 feet; thence South 68 degree 24" 49" East, 20.00 feet;
thence South 21 degree 35' 11" West, 24.50 feet to the POINT OF BEGINNING.

Together With:

<PAGE>

                                 TOGETHER WITH:

                                Easement Parcel 1

Easements benefitting Parcel 1 and created in the Cross Easement for Master
Drainage and Utility Systems between Heathrow Land and Development Corporation
and Heathrow Development Associates, Ltd., dated January 17, 1990, recorded
January 18, 1990 in Official Records Book 2144, Page 1101; and as re-recorded
February 16, 1990 in Official Records Book 2153, Page 1540, Public Records of
Seminole County, Florida; as amended by the First Amendment to Cross Easement
for Master Drainage and Utility Systems dated as of April 18, 1995, and recorded
April 18, 1995, in Official Records Book 2905, Page 909, Public Records of
Seminole County, Florida

                                Easement Parcel 2

Easements benefitting Parcel 1 and created in the Declaration of Easement
executed by Heathrow Land Development Corporation, a Florida corporation, for
International Parkway, recorded July 11, 1985 in Official Records Book 1653,
Page 686; as modified by Modification of Declaration of Easement recorded April
5, 1989 in Official Records Book 2056, Page 1275; as affected by Special
Warranty Deed dated November 30, 1990 executed by Heathrow II Commercial
Development Associates, a Florida general partnership in favor of Northfox
Properties, Inc. a Massachusetts corporation, dated November 30, 1990, recorded
December 18, 1990 in Official Records Book 2250, Page 329, all in the Public
Records of Seminole County, Florida; as modified by Easement Agreement for
International Parkway Boulevard dated January 17, 1990, recorded January 18,
1990 in Official Records Book 2144, Page 1027, and re-recorded February 16, 1990
in Official records Book 2153, Page 1481, Public Records of Seminole County,
Florida.

                                Easement Parcel 3

Easement benefitting Parcel 1 and created in the Easement executed by HIBC
Development Company, a Florida general partnership, recorded May 26, 1995, in
Official records Book 2920, Page 697, Public Records of Seminole County,
Florida, covering the real property lying between Easement Parcel 2, described
above, and Parcel 1, described on page one (1) of this Exhibit.

                                Easement Parcel 4

Easement benefitting Parcel 1 and created in the Drainage Stormwater Management
Easement Agreement [to be] recorded in Official Records Book 3122, Page 1947,
Public Records of Seminole County, Florida.

<PAGE>

                                    EXHIBIT 1

                                  Schedule 2.1

                                Tranche A                  Tranche B
                                Commitment                 Commitment
                                ----------                 ----------
Name and Address of Lenders     Amount      Percentage     Amount     Percentage
---------------------------   -----------   ----------   ----------   ----------
BANK OF AMERICA, N.A.         $55,420,000      100%      $7,824,000      100%
One Independence Center
101 North Tryon Street
NC1-001-15-01
Charlotte, NC 28255
Attention: Michael D'Amico
Telephone: (704) 386-3781
Telecopy: (704) 409-0066

TOTAL                         $55,420,000      100%      $7,824,000      100%

<PAGE>

                                    EXHIBIT 2

                                   Schedule I

                               HOLDER COMMITMENTS

                                     Holder Commitment
                                     -----------------

Name of Holder                       Amount/Percentage
--------------                       -----------------

     Bank of America, N.A.           $1,956,000    100%
     One Independence Center
     101 North Tryon Street
     NC1-001-15-01
     Charlotte, NC 28255
     Attention: Michael D'Amico
     Telephone: (704) 386-3781
     Telecopy:  (704) 409-0066

     TOTAL                           $1,956,000    100%

<PAGE>

                                    EXHIBIT 3

                            Replacement Schedule 2.1

                                 Tranche A                 Tranche B
                                 Commitment                Commitment
                                 ----------                ----------

Name and Address of Lenders      Amount     Percentage     Amount     Percentage
---------------------------   -----------   ----------   ----------   ----------
BANK OF AMERICA, N.A.         $29,920,000     53.99%     $4,224,000      53.99%
One Independence Center
101 North Tryon Street
NC1-001-15-01
Charlotte, NC 28255
Attention: Michael D'Amico
Telephone: (704) 386-3781
Telecopy:  (704) 409-0066

BANK ONE, MICHIGAN            $17,000,000     30.67%     $2,400,000     $30.67%
611 Woodward Avenue
2nd Floor - MI1-8079
Attn: Linda Oddo
Telephone: (313) 225-4674
Telecopy: (313) 225-2747

SUNTRUST BANK,                $ 8,500,000     15.34%     $1,200,000      15.34%
CENTRAL FLORIDA, N.A.
OH1 0170
200 South Orange Avenue
Orlando, FL 32801
Attn: Steven L. Leister
Telephone: (407) 237-4705
Telecopy: (407) 237-6894

TOTAL                         $55,420,000       100%     $7,824,000        100%

<PAGE>

                                    EXHIBIT 4

                             Replacement Schedule I

                               HOLDER COMMITMENTS

                                                Holder Commitment
                                               ------------------

Name of Holder                                  Amount/Percentage
--------------                                 ------------------
     Bank of America, N.A.                     $1,056,000   53.99%
     One Independence Center
     101 North Tryon Street
     NC1-001-15-01
     Charlotte, NC 28255
     Attention: Michael D'Amico
     Telephone: (704) 386-3781
     Telecopy:  (704) 409-0066

     Bank One, Michigan                        $  600,000   30.67%
     611 Woodward Avenue
     2nd Floor - MI1-8079
     Attn: Linda Oddo
     Telephone: (313) 225-4674
     Telecopy: (313) 225-2747

     SunTrust Bank, Central Florida, N.A.      $  300,000   15.34%
     200 South Orange Avenue
     Orlando, FL 32801
     Attn: Steven L. Leister
     Telephone: (407) 237-4705
     Telecopy: (407) 237-6894

     TOTAL                                     $1,956,000     100%

<PAGE>

                                     RIDER A

                                    Exhibit B

                        FORM OF ASSIGNMENT AND ACCEPTANCE

     THIS ASSIGNMENT AND ACCEPTANCE dated as of            , 1999 (as amended,
                                                -----------
modified, supplemented, restated and/or replaced from time to time, the
"'Assignment and Acceptance") is between [_________] (the "Assignor") and
[__________] (the "Assignee").

     Reference is made to the Credit Agreement, dated as of December 31, 1998
(as amended, supplemented or otherwise modified from time to time, the "Credit
Agreement"), among FIRST SECURITY BANK, NATIONAL ASSOCIATION, not in its
individual capacity, but solely as the Owner Trustee under the CRT Realty Trust
1998-1 (the "Owner Trustee" or the "Borrower"), the Lenders named therein and
BANK OF AMERICA, N.A., which is the successor to NationsBank, N.A., as the
Agent. Unless otherwise defined herein, terms defined in the Credit Agreement
(or pursuant to Section 1 of the Credit Agreement, defined in other agreements)
and used herein shall have the meanings given to them in or pursuant to the
Credit Agreement.

     The Assignor and the Assignee agree as follows:

     1. The Assignor hereby irrevocably sells and assigns to the Assignee
without recourse to the Assignor, and the Assignee hereby irrevocably purchases
and assumes from the Assignor without recourse to the Assignor, as of the
Effective Date (as defined below), a [___%] interest (the "Assigned Interest")
in and to the Assignor's rights and obligations under the Credit Agreement with
respect to the credit facility contained in the Credit Agreement as are set
forth on Schedule 1, hereto (the "Assigned Facility"), in a principal amount for
the Assigned Facility as set forth on Schedule 1.

     2. The Assignor (a) makes no representation or warranty and assumes no
responsibility with respect to any statements, warranties or representations
made in or in connection with the Credit Agreement or any other Operative
Agreement or the execution, legality, validity, enforceability, genuineness,
sufficiency or value of the Credit Agreement, any other Operative Agreement or
any other instrument or document furnished pursuant thereto, other than that it
has not created any adverse claim upon the interest being assigned by it
hereunder and that such interest is free and clear of any such adverse claim;
(b) makes no representation or warranty and assumes no responsibility with
respect to the financial condition of the Borrower, or any other obligor or the
performance or observance by the Borrower, or any other obligor of any of their
respective obligations under the Credit Agreement or any other Operative
Agreement or any other instrument or document furnished pursuant hereto or
thereto; and (c) attaches the Note held by it evidencing the Assigned Facility
and requests that the Agent exchange such Note for a new Note payable to the
Assignee and (if the Assignor has retained any interest in the Assigned
Facility) a new Note payable to the Assignor in the respective

<PAGE>

amounts which reflect the assignment being made hereby (and after giving effect
to any other assignments which have become effective on the Effective Date).

     3. The Assignee (a) represents and warrants that it is legally authorized
to enter into this Assignment and Acceptance; (b) confirms that it has received
copies of the Operative Agreements, and such other documents and information as
it has deemed appropriate to make its own credit analysis and decision to enter
into this Assignment and Acceptance; (c) agrees that it will, independently and
without reliance upon the Assignor, the Agent or any other Lender and based on
such documents and information as it shall deem appropriate at the time,
continue to make its own credit decisions in taking or not taking action under
the Credit Agreement, the other Operative Agreements or any other instrument or
document furnished pursuant hereto or thereto; (d) appoints and authorizes the
Agent to take such action as agent on its behalf and to exercise such powers and
discretion under the Credit Agreement, the other Operative Agreements or any
other instrument or document furnished pursuant hereto or thereto as are
delegated to the Agent by the terms thereof, together with such powers as are
incidental thereto; and (e) agrees that it will be bound by the provisions of
the Credit Agreement and the other Operative Agreements to which Assignee is a
party and will perform in accordance herewith all the obligations which by the
terms of the Credit Agreement and the other Operative Agreements to which
Assignee is a party are required to be performed by it as a Lender including
without limitation, if it is organized under the laws of a jurisdiction outside
the U.S., its obligation pursuant to Section 11.2(e) of the Participation
Agreement.

     4. The effective date of this Assignment and Acceptance shall
be[____________,199_] (the "Effective Date"). Following the execution of this
Assignment and Acceptance, it will be delivered to the Agent for acceptance by
it and recording by the Agent pursuant to Section 9.9 of the Credit Agreement,
effective as of the Effective Date (which shall not, unless otherwise agreed to
by the Agent, be earlier than five (5) Business Days after the date of such
acceptance and recording by the Agent).

     5. Upon such acceptance and recording, from and after the Effective Date,
the Agent shall make all payments in respect of the Assigned Interest (including
without limitation payments of principal, interest, fees and other amounts) to
the Assignee whether such amounts have accrued prior to the Effective Date or
accrue subsequent to the Effective Date. The Assignor and the Assignee shall
make all appropriate adjustments in payments by the Agent for periods prior to
the Effective Date or with respect to the making of this assignment directly
between themselves.

     6. From and after the Effective Date, (a) the Assignee shall be a party to
the Credit Agreement and, to the extent provided in this Assignment and
Acceptance, have the rights and obligations of a Lender thereunder and under the
other Operative Agreements and shall be bound by the provisions thereof and (b)
the Assignor shall, to the extent provided in this Assignment and Acceptance,
relinquish its rights and be released from its obligations under the Credit
Agreement and the other Operative Agreements.

<PAGE>

     7. THIS ASSIGNMENT AND ACCEPTANCE SHALL BE GOVERNED BY, AND CONSTRUED,
INTERPRETED AND ENFORCED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NORTH
CAROLINA.

     IN WITNESS WHEREOF, the parties hereto have caused this Assignment and
Acceptance to be executed as of the date first above written by their respective
duly authorized officers on Schedule 1 hereto.

                                [Name of Assignor]

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

                                [Name of Assignee]

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

                                Consented To:

                                FIRST SECURITY BANK, NATIONAL
                                ASSOCIATION, not individually, but solely as the
                                Owner Trustee under the CRT Realty Trust 1998-1

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

                                BANK OF AMERICA, N.A. (which is the
                                successor to NationsBank, N.A.),as the Agent

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

   [consents required only to the extent expressly provided in Section 9.8 of
                              the Credit Agreement]

<PAGE>

                                   SCHEDULE I
                          TO ASSIGNMENT AND ACCEPTANCE
                        RELATING TO THE CREDIT AGREEMENT,
                         DATED AS OF DECEMBER 31, 1998,
                                      AMONG
                    FIRST SECURITY BANK, NATIONAL ASSOCIATION
                                NOT INDIVIDUALLY,
                        BUT SOLELY AS THE OWNER TRUSTEE,
                            THE LENDERS NAMED THEREIN
                                       AND
                 BANK OF AMERICA, N.A. WHICH IS THE SUCCESSOR TO
                         NATIONSBANK, N.A., AS THE AGENT
                 FOR THE LENDERS (IN SUCH CAPACITY, THE "AGENT")

Name of Assignor:
                 --------------------------

Name of Assignee:
                  -------------------------

Effective Date of Assignment:
                             --------------

     Credit         Facility Principal   Amount  Commitment  Percentage
     Assigned                Assigned            Assigned
     --------                --------            --------
                             $                                      %
     -------------            --------------     -------------------

     [Name of Assignor]

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

     [Name of Assignee]

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

<PAGE>

                                     RIDER B

                                    Exhibit B

                        FORM OF ASSIGNMENT AND ACCEPTANCE

     THIS ASSIGNMENT AND ACCEPTANCE dated as of                , 1999
                                                ---------------
(as amended, modified, supplemented, restated and/or replaced from time to time,
the "Assignment and Acceptance") is between [______________] (the "Assignor")
and [______________] (the "Assignee").

     Reference is made to the Trust Agreement, dated as of December 31, 1998 (as
amended, supplemented or otherwise modified from time to time, the "Trust
Agreement"), among FIRST SECURITY BANK, NATIONAL ASSOCIATION, not in its
individual capacity except as stated therein, but solely as the Owner Trustee
under the CRT Realty Trust 1998-1 (the "Owner Trustee" or the "Owner Trustee")
and the Holders named therein. Unless otherwise defined herein, terms defined in
the Trust Agreement (or pursuant to Section 1 of the Trust Agreement, defined in
other agreements) and used herein shall have the meanings given to them in or
pursuant to the Trust Agreement.

     The Assignor and the Assignee agree as follows:

     1. The Assignor hereby irrevocably sells and assigns to the Assignee
without recourse to the Assignor, and the Assignee hereby irrevocably purchases
and assumes from the Assignor without recourse to the Assignor, as of the
Effective Date (as defined below), a [__ %] interest (the "Assigned Interest")
in and to the Assignor's rights and obligations under the Trust Agreement with
respect to the facility contained in the Trust Agreement as are set forth on
Schedule 1 hereto (the "Assigned Facility"), in a principal amount for the
Assigned Facility as set forth on Schedule 1.

     2. The Assignor (a) makes no representation or warranty and assumes no
responsibility with respect to any statements, warranties or representations
made in or in connection with the Trust Agreement or any other Operative
Agreement or the execution, legality, validity, enforceability, genuineness,
sufficiency or value of the Trust Agreement, any other Operative Agreement or
any other instrument or document furnished pursuant thereto, other than that it
has not created any adverse claim upon the interest being assigned by it
hereunder and that such interest is free and clear of any such adverse claim;
(b) makes no representation or warranty and assumes no responsibility with
respect to the financial condition of the Owner Trustee or any other obligor or
the performance or observance by the Owner Trustee, or any other obligor of any
of their respective obligations under the Trust Agreement or any other Operative
Agreement or any other instrument or document furnished pursuant hereto or
thereto; and (c) attaches the Certificate held by it evidencing the Assigned
Facility and requests that the Owner Trustee exchange such Certificate for a new
Certificate payable to the Assignee and (if the Assignor has retained any
interest in the Assigned Facility) a new Certificate payable to the Assignor in
the respective amounts which reflect the assignment being

<PAGE>

made hereby (and after giving effect to any other assignments which have become
effective on the Effective Date).

     3. The Assignee (a) represents and warrants that it is legally authorized
to enter into this Assignment and Acceptance; (b) confirms that it has received
copies of the Operative Agreements, and such other documents and information as
it has deemed appropriate to make its own credit analysis and decision to enter
into this Assignment and Acceptance; (c) agrees that it will, independently and
without reliance upon the Assignor, the Agent, any other Holder or the Owner
Trustee and based on such documents and information as it shall deem appropriate
at the time, continue to make its own credit decisions in taking or not taking
action under the Trust Agreement, the other Operative Agreements or any other
instrument or document furnished pursuant hereto or thereto; (d) appoints and
authorizes the Agent and the Owner Trustee, respectively, to take such action as
agent on its behalf and to exercise such powers and discretion under the Trust
Agreement, the other Operative Agreements or any other instrument or document
furnished pursuant hereto or thereto as are delegated to the Agent and the Owner
Trustee, respectively, by the terms thereof, together with such powers as are
incidental thereto; and (e) agrees that it will be bound by the provisions of
the Trust Agreement and the other Operative Agreements to which Assignee is a
party and will perform in accordance herewith all the obligations which by the
terms of the Trust Agreement and the other Operative Agreements to which
Assignee is a party are required to be performed by it as a Holder including
without limitation, if it is organized under the laws of a jurisdiction outside
the U.S., its obligation pursuant to Section 11.2(e) of the Participation
Agreement.

     4. The effective date of this Assignment and Acceptance shall be
[__________,19__] (the "Effective Date"). Following the execution of this
Assignment and Acceptance, it will be delivered to the Owner Trustee for
acceptance by it and recording by the Owner Trustee pursuant to Section 11.8(b)
of the Trust Agreement, effective as of the Effective Date (which shall not,
unless otherwise agreed to by the Owner Trustee, be earlier than five (5)
Business Days after the date of such acceptance and recording by the Owner
Trustee).

     5. Upon such acceptance and recording, from and after the Effective Date,
the Owner Trustee shall make, or cause to be made, all payments in respect of
the Assigned Interest (including without limitation payments of Holder Advance,
yield, fees and other amounts) to the Assignee whether such amounts have accrued
prior to the Effective Date or accrue subsequent to the Effective Date. The
Assignor and the Assignee shall make all appropriate adjustments in payments by
the Owner Trustee for periods prior to the Effective Date or with respect to the
making of this assignment directly between themselves.

     6. From and after the Effective Date, (a) the Assignee shall be a party to
the Trust Agreement and, to the extent provided in this Assignment and
Acceptance, have the rights and obligations of a Holder thereunder and under the
other Operative Agreements and shall be bound by the provisions thereof and (b)
the Assignor shall, to the extent provided in this Assignment and Acceptance,
relinquish its rights and be released from its obligations under the Trust
Agreement and the other Operative Agreements.

<PAGE>

     7. THIS ASSIGNMENT AND ACCEPTANCE SHALL BE GOVERNED BY, AND CONSTRUED,
INTERPRETED AND ENFORCED IN ACCORDANCE WITH THE LAWS OF THE STATE OF UTAH.

     IN WITNESS WHEREOF, the parties hereto have caused this Assignment and
Acceptance to be executed as of the date first above written by their respective
duly authorized officers on Schedule 1 hereto.

                                           Name of Assignor

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

                                           Name of Assignee

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

                                           Consented To:

                                           CONVERGYS CORPORATION, as  the
                                           Construction Agent and as the Lessee

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

                                           BANK OF AMERICA, N.A. which is the
                                           successor to NationsBank, N.A.,
                                           as the Agent

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

                                           FIRST SECURITY BANK, NATIONAL
                                           ASSOCIATION, not individually, but
                                           solely as the Owner Trustee under
                                           the CRT Realty Trust 1998-1

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

<PAGE>

                                   SCHEDULE I
                          TO ASSIGNMENT AND ACCEPTANCE
                        RELATING TO THE TRUST AGREEMENT,
             DATED AS OF DECEMBER 31, 1998, (THE "TRUST AGREEMENT")
                                      AMONG
                   FIRST SECURITY BANK, NATIONAL ASSOCIATION,
                   NOT INDIVIDUALLY EXCEPT AS STATED THEREIN,
                        BUT SOLELY AS THE OWNER TRUSTEE,
                                       AND
                            THE HOLDERS NAMED THEREIN

Name of Assignor: [____________________]

Name of Assignee: [____________________]

Effective Date of Assignment: [____________________]

     Trust Agreement       Holder Advance   Commitment
     Facility Assigned    Amount Assigned   Percentage Assigned
     -----------------    ---------------   -------------------

     Holder Commitment    [$____________]   [_____________%] of the
     to Amount pursuant                     aggregate Holder Commitment
     above-referenced                       (which is [__%] of the Assignor's
     Trust Agreement                         Holder Commitment)

     [____________________]

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

     [____________________]

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

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00047-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00047-of-00352.parquet"}]]