Document:

COMMITTED LINE OF CREDIT NOTE
                               (Index LIBOR Note)

$12,000,000.00                                                  February 3, 2000

FOR  VALUE  RECEIVED,  STV  GROUP,  INCORPORATED  and STV  INCORPORATED  and its
SUBSIDIARIES  listed on the attached  Schedule A (individually and collectively,
the  "Borrower"),  with an  address  at 205  West  Welsh  Drive,  Douglassville,
Pennsylvania  19518,  promises  to pay  to  the  order  of  PNC  BANK,  NATIONAL
ASSOCIATION  (the  "Bank"),  in lawful money of the United  States of America in
immediately  available  funds at its  offices  located  at 1600  Market  Street,
Philadelphia,  Pennsylvania,  19103,  or at such other  location as the Bank may
designate  from  time to time,  the  principal  sum of  TWELVE  MILLION  DOLLARS
($12,000,000.00) (the "Facility") or such lesser amount as may be advanced to or
for the benefit of the Borrower  hereunder,  together with interest  accruing on
the outstanding principal balance from the date hereof, as provided below:

1. Rate of Interest.  The principal amount outstanding under this Note will bear
interest  at a rate per annum  (computed  on the basis of  actual  days  elapsed
within a year consisting of 360 days) equal to the sum of (A) LIBOR plus (B) two
hundred (200) basis points (2.0%) (the "Applicable LIBOR"). The Applicable LIBOR
shall remain in effect until  adjusted by the Bank as of the first  calendar day
of each month, without notice to the Borrower.

For the purpose hereof, the following terms shall have the following meanings:

                           "Business Day" shall mean any day on which commercial
         banks settle payments in U.S. dollars in New York City and London other
         than a Saturday or Sunday or a legal holiday on which  commercial banks
         are  authorized or required to be closed for business in  Philadelphia,
         Pennsylvania.

                           "LIBOR" shall mean,  for all advances  outstanding at
         any time during any month,  the interest  rate per annum  determined by
         the Bank by  dividing  (the  resulting  quotient  rounded  upwards,  if
         necessary,  to the nearest  1/100th of 1%) (i) the  Published  Rate for
         such  month by (ii) a number  equal to 1.00  minus  the  LIBOR  Reserve
         Percentage.  As used  herein,  "Published  Rate" shall mean the rate of
         interest  published on the first Business Day of each month in The Wall
         Street  Journal  "Money  Rates"  listing  under  the  caption   "London
         Interbank Offered Rates" for a one month period (or, if no such rate is
         published  therein for any reason,  then such rate published therein on
         the most  recent  Business  Day prior to the  first day of such  month;
         provided,  that if no such rate of  interest is  published  therein for
         longer than 30 consecutive  days,  then the Published Rate shall be the
         eurodollar  rate  for a one  month  period,  as  published  in  another
         publication determined by the Bank).

                           "LIBOR  Reserve  Percentage"  shall mean the  maximum
         effective  percentage  in effect on such day as prescribed by the Board
         of  Governors  of the Federal  Reserve  System (or any  successor)  for
         determining the reserve requirements (including, without limitation,

<PAGE>

         supplemental, marginal and emergency reserve requirements) with respect
         to  eurocurrency   funding  (currently  referred  to  as  "Eurocurrency
         liabilities").

LIBOR shall be adjusted on the effective date of any change in the LIBOR Reserve
Percentage as of such  effective  date. The Bank shall give prompt notice to the
Borrower  of LIBOR as  determined  or  adjusted in  accordance  herewith,  which
determination shall be conclusive absent manifest error.

If the Bank determines (which determination shall be final and conclusive) that,
by reason of circumstances  affecting the eurodollar market generally,  deposits
in dollars (in the  applicable  amounts)  are not being  offered to banks in the
eurodollar  market for the  selected  term,  or adequate  means do not exist for
ascertaining  LIBOR,  then the Bank shall give notice  thereof to the  Borrower.
Thereafter,  until the Bank notifies the Borrower that the circumstances  giving
rise to such suspension no longer exist,  (a) the availability of the Applicable
LIBOR  shall be  suspended,  and (b) the  interest  rate for all  advances  then
bearing  interest under the Applicable LIBOR shall be converted on the first day
of the next calendar  month to a rate of interest per annum  (calculated  on the
basis of actual days elapsed within a year  consisting of 360 days) equal to the
Prime Rate (the  "Applicable Base Rate").  For purposes hereof,  the term "Prime
Rate" shall mean the rate  publicly  announced  by the Bank from time to time as
its prime rate. The Prime Rate is determined  from time to time by the Bank as a
means of pricing some loans to its borrowers.  The Prime Rate is not tied to any
external rate of interest or index, and does not necessarily  reflect the lowest
rate of  interest  actually  charged  by the  Bank to any  particular  class  or
category of customers.  If and when the Prime Rate changes, the rate of interest
with respect to any amounts  hereunder to which the Applicable Base Rate applies
will change automatically without notice to the Borrower,  effective on the date
of any such change.

In addition,  if, after the date of this Note, the Bank shall  determine  (which
determination shall be final and conclusive) that any enactment, promulgation or
adoption of or any change in any  applicable  law,  rule or  regulation,  or any
change  in  the  interpretation  or  administration  thereof  by a  governmental
authority,  central bank or comparable agency charged with the interpretation or
administration thereof, or compliance by the Bank with any guideline, request or
directive  (whether  or not  having  the  force of law) of any  such  authority,
central bank or comparable  agency shall make it unlawful or impossible  for the
Bank to make or maintain or fund loans bearing  interest based on the Applicable
LIBOR,  the Bank shall notify the Borrower.  Upon receipt of such notice,  until
the Bank  notifies  the  Borrower  that the  circumstances  giving  rise to such
determination  no longer apply,  (a) the  availability  of the Applicable  LIBOR
shall be  suspended,  and (b) the  interest  rate on all  advances  then bearing
interest  under the Applicable  LIBOR shall be converted to the Applicable  Base
Rate  either (i) on the first day of the next  calendar  month,  if the Bank may
lawfully  continue to maintain  advances at the Applicable LIBOR to such day, or
(ii)  immediately  if the Bank may not  lawfully  continue to maintain  advances
under the Applicable LIBOR.

In no event will the rate of interest  hereunder exceed the maximum rate allowed
by law.

2. Advances.  The Borrower may borrow,  repay and reborrow  hereunder  until the
Expiration  Date,  subject to the terms and conditions of this Note and the Loan
Documents (as defined  herein).  The "Expiration  Date" shall mean December ___,
2001, or such later date as may be designated by the Bank by written notice from
the Bank to the Borrower.  The Borrower acknowledges and agrees that in no event
will the Bank be under any  obligation  to extend or renew the  Facility or this
Note  beyond  the  Expiration  Date.  In no event  shall  the  aggregate  unpaid
principal  amount of  advances  under this Note  exceed the face  amount of this
Note.

                                      -2-
<PAGE>

3. Advance Procedures.  A request for advance made by telephone must be promptly
confirmed  in  writing  by such  method as the Bank may  require.  The  Borrower
authorizes  the Bank to accept  telephonic  requests for advances,  and the Bank
shall be  entitled  to rely upon the  authority  of any  person  providing  such
instructions.  The Borrower hereby  indemnifies and holds the Bank harmless from
and  against  any and all  damages,  losses,  liabilities,  costs  and  expenses
(including  reasonable  attorneys'  fees and  expenses)  which  may  arise or be
created by the  acceptance of such  telephone  requests or making such advances.
The Bank will  enter on its books and  records,  which  entry  when made will be
presumed correct,  the date and amount of each advance,  as well as the date and
amount of each payment made by the Borrower.

4. Payment Terms. Accrued interest will be due and payable monthly in arrears on
the first day of each month,  beginning  with the  payment due on  _____________
___, 2000. The outstanding principal balance and any accrued but unpaid interest
shall be due and payable on the Expiration Date.

If any payment under this Note shall become due on a Saturday,  Sunday or public
holiday under the laws of the State where the Bank's office  indicated  above is
located, such payment shall be made on the next succeeding business day and such
extension of time shall be included in  computing  interest in  connection  with
such payment.  The Borrower hereby  authorizes the Bank to charge the Borrower's
deposit  account  at the  Bank for any  payment  when  due  hereunder.  Payments
received  will be applied to charges,  fees and expenses  (including  attorneys'
fees),  accrued interest and principal in any order the Bank may choose,  in its
sole discretion.

5. Late  Payments;  Default Rate.  If the Borrower  fails to make any payment of
principal,  interest or other amount  coming due pursuant to the  provisions  of
this Note within 15 calendar days of the date due and payable, the Borrower also
shall pay to the Bank a late charge  equal to the lesser of five percent (5%) of
the amount of such  payment or $100.00 (the "Late  Charge").  Such 15 day period
shall not be  construed  in any way to extend the due date of any such  payment.
Upon maturity,  whether by acceleration,  demand or otherwise, and at the Bank's
option upon the occurrence of any Event of Default (as hereinafter  defined) and
during the  continuance  thereof,  this Note shall bear  interest  at a rate per
annum (based on a year of 360 days and actual days  elapsed)  which shall be two
percentage  points  (2%) in excess of the  interest  rate in effect from time to
time  under  this Note but not more than the  maximum  rate  allowed by law (the
"Default  Rate").  The  Default  Rate  shall  continue  to apply  whether or not
judgment  shall be entered on this Note.  Both the Late  Charge and the  Default
Rate are imposed as  liquidated  damages for the purpose of defraying the Bank's
expenses  incident to the handling of delinquent  payments,  but are in addition
to,  and  not in lieu  of,  the  Bank's  exercise  of any  rights  and  remedies
hereunder,  under the other Loan Documents or under applicable law, and any fees
and expenses of any agents or attorneys which the Bank may employ.  In addition,
the Default Rate  reflects the  increased  credit risk to the Bank of carrying a
loan that is in default.  The  Borrower  agrees that the Late Charge and Default
Rate are reasonable  forecasts of just  compensation  for anticipated and actual
harm incurred by the Bank,  and that the actual harm incurred by the Bank cannot
be estimated with certainty and without difficulty.

6. Prepayment.  The indebtedness  evidenced by this Note may be prepaid in whole
or in part at any time without penalty.

7. Yield  Protection.  The  Borrower  shall pay to the Bank,  on written  demand
therefor,  together with the written evidence of the justification therefor, all
direct costs incurred, losses suffered or payments made

                                      -3-
<PAGE>

by Bank by  reason  of any  change in law or  regulation  or its  interpretation
imposing any reserve,  deposit,  allocation of capital,  or similar  requirement
(including  without  limitation,  Regulation  D of the Board of Governors of the
Federal  Reserve  System)  on the  Bank,  its  holding  company  or any of their
respective  assets.  The Bank's  determination  of an amount  payable under this
paragraph  shall,  in the absence of manifest  error, be conclusive and shall be
payable on demand.

8.  Other  Loan  Documents.  This  Note is issued  in  connection  with a Letter
Agreement  between the Borrower and the Bank dated on or before the date hereof,
and the other  agreements  and  documents  executed in  connection  therewith or
referred to therein, the terms of which are incorporated herein by reference (as
amended,  modified  or  renewed  from  time  to  time,  collectively  the  "Loan
Documents"),  and is secured by the property described in the Loan Documents (if
any) and by such  other  collateral  as  previously  may have been or may in the
future be granted to the Bank to secure this Note.  All  capitalized  terms used
herein and not otherwise defined herein have the meanings given them in the Loan
Documents.

9. Events of Default.  The  occurrence  of any of the  following  events will be
deemed to be an "Event of Default"  under this Note:  (i) the  nonpayment of any
principal,  interest or other  indebtedness  under this Note within two (2) days
after the date when due; (ii) the  occurrence of any event of default or default
and the lapse of any notice or cure period under any Loan  Document or any other
debt, liability or obligation to the Bank of any Obligor; (iii) the filing by or
against any Obligor of any proceeding in bankruptcy,  receivership,  insolvency,
reorganization,  liquidation, conservatorship or similar proceeding (and, in the
case of any such proceeding  instituted against any Obligor,  such proceeding is
not dismissed or stayed  within 60 days of the  commencement  thereof,  provided
that the Bank shall not be  obligated  to advance  additional  funds during such
period); (iv) any assignment by any Obligor for the benefit of creditors, or any
levy,  garnishment,  attachment or similar  proceeding is instituted against any
property of any Obligor held by or deposited  with the Bank;  (v) a default with
respect  to any other  indebtedness  of any  Obligor in excess of  $250,000  for
borrowed  money,  if the  effect  of such  default  is to  cause or  permit  the
acceleration  of  such  debt;  (vi)  the  commencement  of  any  foreclosure  or
forfeiture  proceeding,  execution or attachment against any collateral securing
the obligations of any Obligor to the Bank; (vii) any material adverse change in
the business, assets,  operations,  financial condition or results of operations
of the Obligors, taken as a whole; (viii) the Obligors cease doing business as a
going concern; (ix) any change shall occur in the equity ownership of STV Group,
Incorporated which results in its current employee stock option plan owning less
than sixty percent (60%) of the voting control of STV Group,  Incorporated;  (x)
any  representation  or  warranty  made by any  Obligor  to the Bank in any Loan
Document, or any other documents now or in the future evidencing or securing the
obligations of any Obligor to the Bank, is false, erroneous or misleading in any
material adverse respect;  (xi) any Obligor's  failure to observe or perform any
of the Financial Reporting Covenants contained in Section A of Exhibit A to that
certain  Letter  Agreement  dated  February ___,  2000 (as amended,  modified or
renewed  from time to time,  the  "Letter  Agreement"),  or any of the  Negative
Covenants contained in Section C of Exhibit A to the Letter Agreement, provided,
however,  that if such failure is capable of being cured and  Borrower  promptly
undertakes to effect such cure,  such failure  shall not  constitute an Event of
Default  hereunder  unless it remains  uncured for a period of ten (10) days; or
(xii) any  Obligor's  failure  to  observe  or  perform  any  covenant  or other
agreement with the Bank  contained in any Loan Document  (other than as provided
in clause (xi) above) or any other documents now or in the future  evidencing or
securing the obligations of any Obligor to the Bank provided,  however,  that if
such  failure is capable of being  cured and  Borrower  promptly  undertakes  to
effect  such  cure,  such  failure  shall  not  constitute  an Event of  Default
hereunder  unless it remains  uncured for a period of thirty (30) days.  As used
herein, the term "Obligor" means any Borrower.

                                      -4-
<PAGE>

Upon  the  occurrence  of an Event of  Default:  (a) the Bank  shall be under no
further  obligation  to make  advances  hereunder;  (b) if an Event  of  Default
specified in clause (iii) or (iv) above shall occur,  the outstanding  principal
balance and accrued  interest  hereunder  together with any  additional  amounts
payable  hereunder shall be immediately due and payable without demand or notice
of any kind;  (c) if any other Event of Default  shall  occur,  the  outstanding
principal  balance and accrued interest  hereunder  together with any additional
amounts payable hereunder,  at the Bank's option and without demand or notice of
any kind, may be accelerated and become immediately due and payable;  (d) at the
Bank's option, this Note will bear interest at the Default Rate from the date of
the occurrence of the Event of Default;  and (e) the Bank may exercise from time
to time any of the rights and  remedies  available  under the Loan  Documents or
under applicable law.

10. Right of Setoff.  In addition to all liens upon and rights of setoff against
the Borrower's money, securities or other property given to the Bank by law, the
Bank shall have,  with respect to the  Borrower's  obligations to the Bank under
this Note and to the extent permitted by law, a contractual  possessory security
interest in and a contractual  right of setoff against,  and the Borrower hereby
assigns,  conveys,  delivers,  pledges  and  transfers  to the  Bank  all of the
Borrower's right, title and interest in and to, all of the Borrower's  deposits,
moneys,  securities  and other property now or hereafter in the possession of or
on deposit  with,  or in transit  to, the Bank or any other  direct or  indirect
subsidiary  of PNC Bank Corp.,  whether held in a general or special  account or
deposit, whether held jointly with someone else, or whether held for safekeeping
or otherwise, excluding, however, all IRA, Keogh, and trust accounts. Every such
security  interest and right of setoff may be exercised  without  demand upon or
notice to the Borrower.  Every such right of setoff shall be deemed to have been
exercised  immediately  upon the  occurrence  of an Event of  Default  hereunder
without any action of the Bank,  although  the Bank may enter such setoff on its
books and records at a later time.

11. Miscellaneous. All notices, demands, requests, consents, approvals and other
communications required or permitted hereunder must be in writing (except as may
be agreed  otherwise  above with  respect  to  borrowing  requests)  and will be
effective  upon  receipt.   Such  notices  and  other   communications   may  be
hand-delivered, sent by facsimile transmission with confirmation of delivery and
a copy sent by  first-class  mail,  or sent by nationally  recognized  overnight
courier service,  to the addresses for the Bank and the Borrower set forth above
or to such other  address  as either  may give to the other in writing  for such
purpose.  No delay or omission on the Bank's part to exercise any right or power
arising  hereunder will impair any such right or power or be considered a waiver
of any such right or power,  nor will the Bank's  action or inaction  impair any
such right or power.  No  modification,  amendment or waiver of any provision of
this  Note nor  consent  to any  departure  by the  Borrower  therefrom  will be
effective  unless made in a writing signed by the Bank.  The Borrower  agrees to
pay on demand, to the extent permitted by law, all reasonable costs and expenses
incurred  by the Bank in the  enforcement  of its rights in this Note and in any
security therefor,  including without limitation reasonable fees and expenses of
the Bank's  counsel.  If any  provision of this Note is found to be invalid by a
court,  all the other  provisions  of this Note  will  remain in full  force and
effect.  The  Borrower  and all other  makers and  indorsers of this Note hereby
forever  waive   presentment,   protest,   notice  of  dishonor  and  notice  of
non-payment.  The  Borrower  also waives all  defenses  based on  suretyship  or
impairment  of  collateral.  If this Note is executed by more than one Borrower,
the obligations of such persons or entities hereunder will be joint and several.
This Note  shall bind the  Borrower  and its  successors  and  assigns,  and the
benefits  hereof shall inure to the benefit of the Bank and its  successors  and
assigns; provided,  however, that the Borrower may not assign this Note in whole
or in part  without  the  Bank's  written  consent  and the Bank at any time may
assign this Note in whole or in part.

                                      -5-
<PAGE>

This Note has been  delivered  to and accepted by the Bank and will be deemed to
be made in the Commonwealth of  Pennsylvania.  THIS NOTE WILL BE INTERPRETED AND
THE RIGHTS AND LIABILITIES OF THE BANK AND THE BORROWER DETERMINED IN ACCORDANCE
WITH THE LAWS OF THE  COMMONWEALTH  OF  PENNSYLVANIA,  EXCLUDING ITS CONFLICT OF
LAWS  RULES.  The  Borrower  hereby   irrevocably   consents  to  the  exclusive
jurisdiction  of any state or federal  court in the county or judicial  district
where the Bank's  office  indicated  above is  located;  provided  that  nothing
contained in this Note will prevent the Bank from bringing any action, enforcing
any  award  or  judgment  or   exercising   any  rights   against  the  Borrower
individually,  against  any  security or against  any  property of the  Borrower
within any other county,  state or other foreign or domestic  jurisdiction.  The
Borrower  acknowledges  and  agrees  that the venue  provided  above is the most
convenient  forum for both the Bank and the  Borrower.  The Borrower  waives any
objection to venue and any  objection  based on a more  convenient  forum in any
action instituted under this Note.

12. WAIVER OF JURY TRIAL. THE BORROWER IRREVOCABLY WAIVES ANY AND ALL RIGHTS THE
BORROWER MAY HAVE TO A TRIAL BY JURY IN ANY ACTION,  PROCEEDING  OR CLAIM OF ANY
NATURE  RELATING TO THIS NOTE,  ANY DOCUMENTS  EXECUTED IN CONNECTION  WITH THIS
NOTE OR ANY  TRANSACTION  CONTEMPLATED  IN ANY OF SUCH  DOCUMENTS.  THE BORROWER
ACKNOWLEDGES THAT THE FOREGOING WAIVER IS KNOWING AND VOLUNTARY.

The Borrower  acknowledges that it has read and understood all the provisions of
this Note,  including the waiver of jury trial,  and has been advised by counsel
as necessary or appropriate.

WITNESS the due execution  hereof as a document under seal, as of the date first
written above, with the intent to be legally bound hereby.

WITNESS/ATTEST:                                STV GROUP, INCORPORATED

/s/ Lori Jo Berk                               By:  /s/ Peter W. Knipe    (SEAL)
Print Name:  Lori Jo Berk                      Print Name:  Peter W. Knipe
Title:  Admin. Asst.                           Title:  CFO

WITNESS/ATTEST:                                STV INCORPORATED

/s/ Lori Jo Berk                               By:  /s/ Peter W. Knipe    (SEAL)
Print Name:  Lori Jo Berk                      Print Name:  Peter W. Knipe
Title:  Admin. Asst.                           Title:  CFO

                [SIGNATURES ARE CONTINUED ON THE FOLLOWING PAGE]

                                      -6-
<PAGE>

WITNESS/ATTEST:                                STV CONSTRUCTION SERVICES, INC.

/s/ Lori Jo Berk                               By:  /s/ Peter W. Knipe    (SEAL)
Print Name:  Lori Jo Berk                      Print Name:  Peter W. Knipe
Title:  Admin. Asst.                           Title:  CFO

WITNESS/ATTEST:                                STV INTERNATIONAL, INC.

/s/ Lori Jo Berk                               By:  /s/ Peter W. Knipe    (SEAL)
Print Name:  Lori Jo Berk                      Print Name:  Peter W. Knipe
Title:  Admin. Asst.                           Title:  CFO

WITNESS/ATTEST:                                STV/ENVIRONMENTAL, INC.

/s/ Lori Jo Berk                               By:  /s/ Peter W. Knipe    (SEAL)
Print Name:  Lori Jo Berk                      Print Name:  Peter W. Knipe
Title:  Admin. Asst.                           Title:  CFO

WITNESS/ATTEST:                                STV SURVEYING, INC.

/s/ Lori Jo Berk                               By:  /s/ Peter W. Knipe    (SEAL)
Print Name:  Lori Jo Berk                      Print Name:  Peter W. Knipe
Title:  Admin. Asst.                           Title:  CFO

WITNESS/ATTEST:                                STV CONSTRUCTION, INC.

/s/ Lori Jo Berk                               By:  /s/ Peter W. Knipe    (SEAL)
Print Name:  Lori Jo Berk                      Print Name:  Peter W. Knipe
Title:  Admin. Asst.                           Title:  CFO

WITNESS/ATTEST:                                STV ARCHITECTS, INC.

/s/ Lori Jo Berk                               By:  /s/ Peter W. Knipe    (SEAL)
Print Name:  Lori Jo Berk                      Print Name:  Peter W. Knipe
Title:  Admin. Asst.                           Title:  Secretary

                [SIGNATURES ARE CONTINUED ON THE FOLLOWING PAGE]

                                      -7-
<PAGE>

WITNESS/ATTEST:                                STV SILVER & ZISKIND ARCHITECTS,
                                               P.C.

/s/ Lori Jo Berk                               By:  /s/ Peter W. Knipe    (SEAL)
Print Name:  Lori Jo Berk                      Print Name:  Peter W. Knipe
Title:  Admin. Asst.                           Title:  Secretary

WITNESS/ATTEST:                                STV ARCHITECTS, P.C.

/s/ Lori Jo Berk                               By:  /s/ Michael D. Garz   (SEAL)
Print Name:  Lori Jo Berk                      Print Name:  Michael D. Garz
Title:  Admin. Asst.                           Title:  President

                                      -8-SECURITY AGREEMENT

         THIS SECURITY  AGREEMENT (this  "Agreement") is made as of this 3rd day
of February,  2000, by and between STV GROUP,  INCORPORATED and STV INCORPORATED
and its  SUBSIDIARIES  listed  on the  attached  Schedule  A  (individually  and
collectively,  the  "Grantor"),  with  an  address  at  205  West  Welsh  Drive,
Douglassville,  Pennsylvania  19518  and PNC  BANK,  NATIONAL  ASSOCIATION  (the
"Bank"),  with an  address at 1600  Market  Street,  Philadelphia,  Pennsylvania
19103.

         Under the terms  hereof,  the Bank  desires to obtain  and the  Grantor
desires to grant the Bank security for all of the  Obligations  (as  hereinafter
defined).

         NOW,  THEREFORE,  the  Grantor  and the Bank,  intending  to be legally
bound, hereby agree as follows:

         1.  Definitions.

                  (a)  "Collateral"  shall include all personal  property of the
Grantor, including the following, all whether now owned or hereafter acquired or
arising and  wherever  located:  (i)  accounts,  accounts  receivable,  contract
rights,  chattel paper, notes receivable,  securities  entitlements,  securities
accounts,  investment property,  depository accounts,  instruments and documents
(including warehouse receipts); (ii) goods of every nature, including inventory,
stock-in- trade, raw materials, work in process, items held for sale or lease or
furnished or to be furnished  under  contracts of sale or lease,  goods that are
returned, reclaimed or repossessed,  together with materials used or consumed in
the  Grantor's  business;  (iii)  equipment,   including  machinery,   vehicles,
furniture and fixtures; (iv) general intangibles, of every kind and description,
including  all  existing and future  customer  lists,  choses in action,  claims
(including claims for  indemnification or breach of warranty),  books,  records,
patents   and   patent   applications,   copyrights,   trademarks,   tradenames,
tradestyles, trademark applications, goodwill, blueprints, drawings, designs and
plans, trade secrets, contracts, licenses, license agreements, formulae, tax and
any other types of refunds, returned and unearned insurance premiums, rights and
claims under insurance  policies,  and computer  information,  software,  source
codes,  object codes,  records and data;  (v) all property of the Grantor now or
hereafter in the Bank's  possession or in transit to or from,  under the custody
or control of or on deposit with, the Bank or any affiliate  thereof,  including
deposit and other accounts;  (vi) all cash and cash  equivalents;  and (vii) all
cash  and  non-cash  proceeds  (including  insurance  proceeds)  of  all  of the
foregoing  property,  all  products  thereof and all  additions  and  accessions
thereto,  substitutions  therefor and replacements thereof. The Collateral shall
also include any and all other tangible or intangible property that is described
as being  part of the  Collateral  pursuant  to one or more  Riders to  Security
Agreement  that may be attached  hereto or  delivered  in  connection  herewith,
including the Rider to Security  Agreement -  Copyrights,  the Rider to Security
Agreement - Patents,  the Rider to Security Agreement - Trademarks and the Rider
to Security Agreement - Cash Collateral Account.

<PAGE>

                  (b) "Loan Documents" means this Agreement, that certain Letter
Agreement  dated  February 3, 2000,  that certain  Reimbursement  Agreement  for
Standby  Letter(s)  of Credit  dated  February  3,  2000,  and any and all notes
evidencing the Obligations,  as any of them may be amended, modified or restated
after the date  hereof.  Any  capitalized  terms used herein,  unless  otherwise
defined herein shall have the meanings given them in the Loan Documents.

                  (c) "Obligations"  shall include all loans,  advances,  debts,
liabilities,  obligations,  covenants  and duties  owing from the Grantor to the
Bank or to any other  direct or indirect  subsidiary  of PNC Bank Corp.,  of any
kind or nature, present or future (including any interest accruing thereon after
maturity, or after the filing of any petition in bankruptcy, or the commencement
of any insolvency,  reorganization  or like proceeding  relating to the Grantor,
whether or not a claim for post-filing or  post-petition  interest is allowed in
such  proceeding),  whether  or not  evidenced  by any note,  guaranty  or other
instrument, whether arising under any agreement, instrument or document, whether
or not for the payment of money,  whether  arising by reason of an  extension of
credit, opening of a letter of credit, loan, equipment lease or guarantee, under
any interest or currency swap, future,  option or other interest rate protection
or similar agreement,  or in any other manner, whether arising out of overdrafts
on deposit or other  accounts or electronic  funds  transfers  (whether  through
automated  clearing houses or otherwise) or out of the Bank's  non-receipt of or
inability to collect funds or otherwise not being made whole in connection  with
depository  transfer  check or other  similar  arrangements,  whether  direct or
indirect (including those acquired by assignment or participation),  absolute or
contingent,  joint or several,  due or to become due,  now existing or hereafter
arising, and any amendments, extensions, renewals or increases and all costs and
expenses of the Bank incurred in the documentation,  negotiation,  modification,
enforcement,  collection or otherwise in connection  with any of the  foregoing,
including reasonable attorneys' fees and expenses.

                  (d) "UCC" means the Uniform  Commercial  Code,  as adopted and
enacted  and as in  effect  from time to time in the  State  whose  law  governs
pursuant  to  the  Section  of  this  Agreement  entitled   "Governing  Law  and
Jurisdiction."  Terms used herein which are defined in the UCC and not otherwise
defined herein shall have the respective  meanings ascribed to such terms in the
UCC.

         2. Grant of Security Interest. To secure the Obligations,  the Grantor,
as debtor, hereby assigns and grants to the Bank, as secured party, a continuing
lien on and security interest in the Collateral.

         3. Change in Name or Locations.  The Grantor  hereby agrees that if the
location of the  Collateral  changes  from the  locations  listed on Exhibit "A"
hereto  and made part  hereof,  or if the  Grantor  changes  its name or form or
jurisdiction of organization,  or establishes a name in which it may do business
that is not listed as a  tradename  on Exhibit  "A"  hereto,  the  Grantor  will
immediately  notify  the  Bank in  writing  of the  additions  or  changes.  The
Grantor's  chief executive  office,  form of  organization  and  jurisdiction of
organization are also shown on Exhibit "A" hereto.

                                      -2-
<PAGE>

         4. Representations and Warranties. The Grantor represents, warrants and
covenants  to  the  Bank  that:  (a)  the  Grantor  has  good,   marketable  and
indefeasible  title to the  Collateral,  has not made any  prior  sale,  pledge,
encumbrance,  assignment or other disposition of any of the Collateral,  and the
Collateral is free from all encumbrances and rights of setoff of any kind except
the lien in favor of the Bank created by this  Agreement  and except any account
debtor's  right to withhold a  percentage  of its payment as a retainage  in the
ordinary  course of  business  pursuant  to the  agreement  giving  rise to such
account  ("Retainages");  (b) except as herein  provided,  the Grantor  will not
hereafter  without the Bank's prior  written  consent  sell,  pledge,  encumber,
assign or  otherwise  dispose  of any of the  Collateral  or permit any right of
setoff  (other  than  Retainages),  lien or security  interest to exist  thereon
except to the Bank;  (c) the  Grantor  will  defend the  Collateral  against all
claims and demands of all persons at any time  claiming the same or any interest
therein; (d) each account and general intangible,  if included in the definition
of Collateral,  is genuine and  enforceable in accordance with its terms and the
Grantor will defend the same against all claims,  demands,  setoffs  (other than
valid  Retainages) and  counterclaims at any time asserted;  and (e) at the time
any  account or general  intangible  becomes  subject  to this  Agreement,  such
account or general  intangible  will be a good and valid account  representing a
bona fide sale of goods or services by the Grantor and such goods will have been
shipped  to the  respective  account  debtors  or the  services  will  have been
performed for the  respective  account  debtors,  and no such account or general
intangible  will be subject to any claim for credit,  allowance or adjustment by
any  account  debtor  or  any  setoff,  defense  or  counterclaim,   other  than
Retainages.

         5. Grantor's Covenants. The Grantor covenants that it shall:

                  (a) from time to time and at all  reasonable  times  allow the
Bank, by or through any of its officers,  agents, attorneys, or accountants,  to
examine or inspect the Collateral, notify account debtors of the Bank's security
interest in accounts (if included in the  definition of  Collateral)  and obtain
valuations  and audits of the  Collateral,  at the Grantor's  expense,  wherever
located.  The  Grantor  shall do,  obtain,  make,  execute  and deliver all such
additional and further acts,  things,  deeds,  assurances and instruments as the
Bank may require to vest in and assure to the Bank its rights  hereunder  and in
or  to  the  Collateral,  and  the  proceeds  thereof,  including  waivers  from
landlords, warehousemen and mortgagees;

                  (b) keep the  Collateral in good order and repair at all times
and immediately  notify the Bank of any event causing a material loss or decline
in value of the Collateral,  whether or not covered by insurance, and the amount
of such loss or depreciation;

                  (c) only use or permit the Collateral to be used in accordance
with all applicable  federal,  state, county and municipal laws and regulations;
and

                  (d) have and  maintain  insurance at all times with respect to
all Collateral against risks of fire (including  so-called  extended  coverage),
theft,  sprinkler  leakage,  and  other  risks  (including  risk of flood if any
Collateral  is  maintained at a location in a flood hazard zone) as the Bank may
require,  in such form,  in such  amount,  for such  period and  written by such
companies as may be satisfactory to the Bank in its sole  discretion.  Each such
casualty insurance policy

                                      -3-
<PAGE>

shall  contain a standard  Lender's  Loss Payable  Clause issued in favor of the
Bank under which all losses  thereunder  shall be paid to the Bank as the Bank's
interest may appear.  Such policies shall  expressly  provide that the requisite
insurance  cannot be altered or canceled without at least thirty (30) days prior
written notice to the Bank and shall insure the Bank  notwithstanding the act or
neglect of the Grantor.  Upon the Bank's  demand,  the Grantor shall furnish the
Bank with  duplicate  original  policies of insurance or such other  evidence of
insurance as the Bank may require.  In the event of failure to provide insurance
as herein provided,  the Bank may, at its option,  obtain such insurance and the
Grantor  shall  pay to the  Bank,  on  demand,  the cost  thereof.  Proceeds  of
insurance may be applied by the Bank to reduce the  Obligations  or to repair or
replace Collateral, all in the Bank's sole discretion.

         6. Negative Pledge; No Transfer.  The Grantor will not sell or offer to
sell or  otherwise  transfer  or  grant  or allow  the  imposition  of a lien or
security  interest  upon the  Collateral  (except  for  sales of  inventory  and
collections of accounts in the Grantor's ordinary course of business) or use any
portion thereof in any manner inconsistent with this Agreement or with the terms
and conditions of any policy of insurance thereon.

         7.  Covenants for Accounts.  If accounts are included in the definition
of Collateral:

                  (a) The Grantor will, on the Bank's demand,  make notations on
its books and records showing the Bank's security interest and make available to
the Bank  shipping and delivery  receipts  evidencing  the shipment of the goods
that gave rise to an  account,  completion  certificates  or other  proof of the
satisfactory performance of services that gave rise to an account, a copy of the
invoice for each account and copies of any written  contract or order from which
an account  arose.  The  Grantor  shall  promptly  notify the Bank if an account
becomes  evidenced  or secured by an  instrument  or chattel  paper and upon the
Bank's  request,  will promptly  deliver any such instrument or chattel paper to
the Bank,  including any letter of credit  delivered to the Grantor to support a
shipment of inventory by the Grantor.

                  (b) The  Grantor  will  promptly  advise the Bank  whenever an
account  debtor refuses to retain or returns any goods from the sale of which an
account  arose  and will  comply  with any  instructions  that the Bank may give
regarding the sale or other disposition of such returns.  From time to time with
such frequency as the Bank may request,  the Grantor will report to the Bank all
credits given to account debtors on all accounts.

                  (c) Upon request of the Bank,  Grantor will immediately notify
the Bank if any account  arises out of contracts  with the United  States or any
department,  agency or instrumentality thereof, and will execute any instruments
and take any steps required by the Bank so that all monies due and to become due
under such contract  shall be assigned to the Bank and notice of the  assignment
given to and  acknowledged  by the  appropriate  government  agency or authority
under the Federal Assignment of Claims Act.

                  (d) At any time after the  occurrence  of an Event of Default,
and  without  notice to the  Grantor,  the Bank may direct any  persons  who are
indebted  to the  Grantor on any  Collateral  consisting  of accounts or general
intangibles to make payment directly to the Bank of the

                                      -4-
<PAGE>

amounts due. The Bank is authorized to give receipts to such account debtors for
any such  payments  and the account  debtors  will be  protected  in making such
payments  to the  Bank.  Upon the  Bank's  written  request,  the  Grantor  will
establish with the Bank and maintain a lockbox account ("Lockbox") with the Bank
and a depository account(s) ("Cash Collateral Account") with the Bank subject to
the  provisions of this  subparagraph  and such other related  agreements as the
Bank may  require,  and the Grantor  shall  notify its account  debtors to remit
payments  directly to the Lockbox.  Thereafter,  funds  collected in the Lockbox
shall be  transferred  to the Cash  Collateral  Account,  and  funds in the Cash
Collateral  Account  shall  be  applied  by  the  Bank,  daily,  to  reduce  the
outstanding Obligations.

         8. Further  Assurances.  At the Bank's  request,  the Grantor will join
with the Bank in  executing  one or more  financing,  continuation  or amendment
statements pursuant to the UCC in form satisfactory to the Bank and will pay the
cost of preparing and filing the same in all  jurisdictions in which such filing
is deemed by the Bank to be necessary or desirable in order to perfect, preserve
and protect its  security  interests.  The Grantor  authorizes  the Bank to file
financing, continuation or amendment statements pursuant to the UCC with respect
to all or any part of the  Collateral  without the  Grantor's  signature,  where
permitted by law. A carbon, photographic or other copy of this Agreement or of a
UCC  financing  statement  may  be  filed  as  and in  lieu  of a UCC  financing
statement. At the Bank's request, the Grantor will execute, in form satisfactory
to the Bank,  a Rider to Security  Agreement  -  Copyrights  (if any  Collateral
consists  of  registered  or  unregistered  copyrights),  a  Rider  to  Security
Agreement  -  Patents  (if  any   Collateral   consists  of  patents  or  patent
applications),  a Rider to Security  Agreement - Trademarks  (if any  Collateral
consists of trademarks,  tradenames,  tradestyles or trademark applications). If
any Collateral  consists of depository  accounts not maintained with the Bank or
one of its  affiliates,  or any securities  entitlement,  securities  account or
other investment property,  then at the Bank's request the Grantor will execute,
and will cause the depository institution or securities  intermediary upon whose
books and records  the  ownership  interest  of the  Grantor in such  Collateral
appears,  such Pledge  Agreements,  Notification and Control Agreements or other
agreements  as the Bank deems  necessary  in order to perfect  and  protect  its
security  interest  in  such  Collateral,  in  each  case  in a form  reasonably
satisfactory to the Bank.

         9. Events of Default.  The Grantor shall,  at the Bank's option,  be in
default under this Agreement  upon the happening of any of the following  events
or  conditions  (each,  an "Event of  Default"):  (a) any Event of  Default  (as
defined in any of the Obligations); (b) any default under any of the Obligations
that does not have a defined  set of  "Events of  Default"  and the lapse of any
notice or cure period provided in such Obligations with respect to such default;
(c) demand by the Bank under any of the Obligations  that have a demand feature;
(d) the  failure by the  Grantor to perform  any of its  obligations  under this
Agreement;  (e)  falsity,  inaccuracy  or material  breach by the Grantor of any
written  warranty,  representation or statement made or furnished to the Bank by
or on behalf of the Grantor;  (f) an uninsured material loss, theft,  damage, or
destruction to any of the Collateral,  or the entry of any judgment  against the
Grantor or any lien against or the making of any levy,  seizure or attachment of
or on the  Collateral;  (g) the  failure of the Bank to have a  perfected  first
priority security interest in the Collateral;  or (h) any indication or evidence
received  by the Bank that the  Grantor may have  directly  or  indirectly  been
engaged

                                      -5-
<PAGE>

in any type of activity  which,  in the Bank's  discretion,  might result in the
forfeiture of any property of the Grantor to any governmental  entity,  federal,
state or local.

         10.  Remedies.  Upon the occurrence of any such Event of Default and at
any time  thereafter,  the Bank  may  declare  all  Obligations  secured  hereby
immediately due and payable and shall have, in addition to any remedies provided
herein or by any  applicable  law or in equity,  all the  remedies  of a secured
party under the UCC. The Bank's  remedies  include,  but are not limited to, the
right to (a)  peaceably by its own means or with judicial  assistance  enter the
Grantor's premises and take possession of the Collateral without prior notice to
the  Grantor  or the  opportunity  for a  hearing,  (b)  render  the  Collateral
unusable,  (c) dispose of the Collateral on the Grantor's premises,  (d) require
the Grantor to assemble  the  Collateral  and make it available to the Bank at a
place designated by the Bank, and (e) notify the United States Postal Service to
send the  Grantor's  mail to the Bank.  Unless the  Collateral  is perishable or
threatens  to decline  speedily in value or is of a type  customarily  sold on a
recognized  market, the Bank will give the Grantor reasonable notice of the time
and place of any public sale thereof or of the time after which any private sale
or any other intended  disposition  thereof is to be made. The  requirements  of
commercially  reasonable  notice  shall  be met if  such  notice  is sent to the
Grantor  at  least  ten  (10)  days  before  the  time of the  intended  sale or
disposition.  Expenses of retaking,  holding, preparing for sale, selling or the
like shall include the Bank's  reasonable  attorney's  fees and legal  expenses,
incurred  or  expended  by the Bank to  enforce  any  payment  due it under this
Agreement either as against the Grantor, or in the prosecution or defense of any
action,  or concerning any matter growing out of or connection  with the subject
matter of this  Agreement  and the  Collateral  pledged  hereunder.  The Grantor
waives  all  relief  from all  appraisement  or  exemption  laws now in force or
hereafter enacted.

         11. Power of Attorney.  The Grantor  does hereby make,  constitute  and
appoint  any  officer  or  agent of the Bank as the  Grantor's  true and  lawful
attorney-in-fact,  with power to (a)  endorse  the name of the Grantor or any of
the Grantor's officers or agents upon any notes,  checks,  drafts, money orders,
or other  instruments  of  payment or  Collateral  that may come into the Bank's
possession in full or part payment of any Obligations;  (b) so long as any Event
of Default has  occurred  and is  continuing,  sue for,  compromise,  settle and
release all claims and disputes with respect to, the  Collateral;  and (c) sign,
for the Grantor, financing, continuation or amendment statements pursuant to the
UCC, or supplemental intellectual property security agreements;  granting to the
Grantor's said attorney full power to do any and all things necessary to be done
in and about the premises as fully and effectually as the Grantor might or could
do. The Grantor  hereby  ratifies all that said  attorney  shall  lawfully do or
cause to be done by virtue  hereof.  This power of attorney  is coupled  with an
interest, and is irrevocable.

         12. Payment of Expenses. At its option, with notice to the Grantor, the
Bank may discharge taxes,  liens,  security interests or such other encumbrances
as may  attach  to  the  Collateral,  may  pay  for  required  insurance  on the
Collateral  and may  pay for the  maintenance,  appraisal  or  reappraisal,  and
preservation of the Collateral,  as determined by the Bank to be necessary.  The
Grantor will reimburse the Bank on demand for any payment so made or any expense
incurred by the Bank pursuant to the foregoing authorization, and the Collateral
also will secure any advances or payments so made or expenses so incurred by the
Bank.

                                      -6-
<PAGE>

         13. Notices. All notices, demands,  requests,  consents,  approvals and
other communications required or permitted hereunder must be in writing and will
be effective  upon receipt.  Such notices and other  communications  may be hand
delivered,  sent by facsimile  transmission  with confirmation of delivery and a
copy  sent by  first-class  mail,  or sent by  nationally  recognized  overnight
courier  service,  to a party's address set forth above or to such other address
as any party may give to the other in writing for such purpose.

         14.  Preservation of Rights. No delay or omission on the Bank's part to
exercise  any right or power  arising  hereunder  will  impair any such right or
power or be considered a waiver of any such right or power,  nor will the Bank's
action or  inaction  impair  any such  right or power.  The  Bank's  rights  and
remedies  hereunder  are  cumulative  and not  exclusive  of any other rights or
remedies which the Bank may have under other agreements, at law or in equity.

         15. Illegality.  In case any one or more of the provisions contained in
this Agreement should be invalid,  illegal or unenforceable in any respect,  the
validity,  legality and  enforceability  of the remaining  provisions  contained
herein shall not in any way be affected or impaired thereby.

         16.  Changes in Writing.  No  modification,  amendment or waiver of any
provision  of  this  Agreement  nor  consent  to any  departure  by the  Grantor
therefrom  will be effective  unless made in a writing  signed by the Bank,  and
then such waiver or consent shall be effective only in the specific instance and
for the  purpose for which  given.  No notice to or demand on the Grantor in any
case will  entitle the  Grantor to any other or further  notice or demand in the
same, similar or other circumstance.

         17.  Entire  Agreement.  This  Agreement  (including  the documents and
instruments  referred to herein) constitutes the entire agreement and supersedes
all other prior agreements and  understandings,  both written and oral,  between
the parties with respect to the subject matter hereof.

         18.  Counterparts.  This  Agreement  may be  signed  in any  number  of
counterpart copies and by the parties hereto on separate  counterparts,  but all
such  copies  shall  constitute  one and the  same  instrument.  Delivery  of an
executed   counterpart   of  signature  page  to  this  Agreement  by  facsimile
transmission shall be effective as delivery of a manually executed  counterpart.
Any party so executing this Agreement by facsimile  transmission  shall promptly
deliver a manually  executed  counterpart,  provided  that any  failure to do so
shall  not  affect  the  validity  of  the  counterpart  executed  by  facsimile
transmission.

         19.  Successors  and Assigns.  This  Agreement will be binding upon and
inure to the benefit of the Grantor and the Bank and their respective successors
and assigns;  provided,  however, that the Grantor may not assign this Agreement
in whole or in part without the Bank's prior written consent and the Bank at any
time may assign this Agreement in whole or in part.

                                      -7-
<PAGE>

         20. Interpretation.  In this Agreement, unless the Bank and the Grantor
otherwise agree in writing,  the singular includes the plural and the plural the
singular;  words  importing any gender include the other genders;  references to
statutes   are  to  be  construed  as   including   all   statutory   provisions
consolidating,  amending or  replacing  the statute  referred  to; the word "or"
shall be deemed to  include  "and/or",  the words  "including",  "includes"  and
"include"  shall be deemed to be  followed  by the words  "without  limitation";
references to articles,  sections (or  subdivisions of sections) or exhibits are
to those of this Agreement unless otherwise indicated.  Section headings in this
Agreement  are  included  for  convenience  of  reference  only  and  shall  not
constitute a part of this Agreement for any other purpose.  If this Agreement is
executed by more than one Grantor,  the  obligations of such persons or entities
will be joint and several.

         21.  Indemnity.  The Grantor  agrees to indemnify each of the Bank, its
directors,  officers and employees  and each legal entity,  if any, who controls
the Bank (the "Indemnified Parties") and to hold each Indemnified Party harmless
from and against any and all claims, damages,  losses,  liabilities and expenses
(including  all fees and charges of internal or external  counsel  with whom any
Indemnified  Party may consult and all  expenses of  litigation  or  preparation
therefor) which any Indemnified Party may incur or which may be asserted against
any Indemnified  Party as a result of the execution of or performance under this
Agreement;  provided,  however, that the foregoing indemnity agreement shall not
apply to claims, damages,  losses,  liabilities and expenses solely attributable
to an Indemnified Party's gross negligence or willful misconduct.  The indemnity
agreement  contained  in this  Section  shall  survive the  termination  of this
Agreement. The Grantor may participate at its expense in the defense of any such
claim.

         22. Governing Law and  Jurisdiction.  This Agreement has been delivered
to and accepted by the Bank and will be deemed to be made in the Commonwealth of
Pennsylvania.  THIS AGREEMENT WILL BE INTERPRETED AND THE RIGHTS AND LIABILITIES
OF THE PARTIES HERETO DETERMINED IN ACCORDANCE WITH THE LAWS OF THE COMMONWEALTH
OF  PENNSYLVANIA,  EXCEPT  THAT THE LAWS OF THE STATE  WHERE ANY  COLLATERAL  IS
LOCATED (IF DIFFERENT FROM THE  COMMONWEALTH OF  PENNSYLVANIA)  SHALL GOVERN THE
CREATION,  PERFECTION  AND  FORECLOSURE  OF THE LIENS CREATED  HEREUNDER ON SUCH
PROPERTY OR ANY INTEREST THEREIN. The Grantor hereby irrevocably consents to the
exclusive  jurisdiction  of any state or federal court in the county or judicial
district  where the Bank's  office  indicated  above is located;  provided  that
nothing  contained in this  Agreement  will  prevent the Bank from  bringing any
action,  enforcing  any award or judgment or exercising  any rights  against the
Grantor  individually,  against  any  security  or against  any  property of the
Grantor   within  any  other   county,   state  or  other  foreign  or  domestic
jurisdiction.  The Bank and the Grantor agree that the venue  provided  above is
the most convenient forum for both the Bank and the Grantor.  The Grantor waives
any objection to venue and any objection based on a more convenient forum in any
action instituted under this Agreement.

         23. WAIVER OF JURY TRIAL.  EACH OF THE GRANTOR AND THE BANK IRREVOCABLY
WAIVES  ANY AND  ALL  RIGHT  IT MAY  HAVE  TO A  TRIAL  BY  JURY IN ANY  ACTION,
PROCEEDING  OR CLAIM OF ANY NATURE  RELATING TO THIS  AGREEMENT,  ANY  DOCUMENTS
EXECUTED IN CONNECTION  WITH THIS AGREEMENT OR ANY  TRANSACTION  CONTEMPLATED IN
ANY OF SUCH

                                      -8-
<PAGE>

DOCUMENTS.  THE GRANTOR AND THE BANK  ACKNOWLEDGE  THAT THE FOREGOING  WAIVER IS
KNOWING AND VOLUNTARY.

         24.  Additional  Provisions.  The following  shall be excluded from the
definition of Collateral: N/A.

The following additional  provisions are made a part of this Security Agreement:
None.

WITNESS the due execution  hereof as a document under seal, as of the date first
written above.

                                               BORROWER:

WITNESS/ATTEST:                                STV GROUP, INCORPORATED

/s/ Lori Jo Berk                               By:  /s/ Peter W. Knipe    (SEAL)
Print Name:  Lori Jo Berk                      Print Name:  Peter W. Knipe
Title:  Admin. Asst.                           Title:  CFO

WITNESS/ATTEST:                                STV INCORPORATED

/s/ Lori Jo Berk                               By:  /s/ Peter W. Knipe    (SEAL)
Print Name:  Lori Jo Berk                      Print Name:  Peter W. Knipe
Title:  Admin. Asst.                           Title:  CFO

WITNESS/ATTEST:                                STV CONSTRUCTION SERVICES, INC.

/s/ Lori Jo Berk                               By:  /s/ Peter W. Knipe    (SEAL)
Print Name:  Lori Jo Berk                      Print Name:  Peter W. Knipe
Title:  Admin. Asst.                           Title:  CFO

WITNESS/ATTEST:                                STV INTERNATIONAL, INC.

/s/ Lori Jo Berk                               By:  /s/ Peter W. Knipe    (SEAL)
Print Name:  Lori Jo Berk                      Print Name:  Peter W. Knipe
Title:  Admin. Asst.                           Title:  CFO

                [SIGNATURES ARE CONTINUED ON THE FOLLOWING PAGE]

                                      -9-
<PAGE>

WITNESS/ATTEST:                                STV/ENVIRONMENTAL, INC.

/s/ Lori Jo Berk                               By:  /s/ Peter W. Knipe    (SEAL)
Print Name:  Lori Jo Berk                      Print Name:  Peter W. Knipe
Title:  Admin. Asst.                           Title:  CFO

WITNESS/ATTEST:                                STV SURVEYING, INC.

/s/ Lori Jo Berk                               By:  /s/ Peter W. Knipe    (SEAL)
Print Name:  Lori Jo Berk                      Print Name:  Peter W. Knipe
Title:  Admin. Asst.                           Title:  CFO

WITNESS/ATTEST:                                STV CONSTRUCTION, INC.

/s/ Lori Jo Berk                               By:  /s/ Peter W. Knipe    (SEAL)
Print Name:  Lori Jo Berk                      Print Name:  Peter W. Knipe
Title:  Admin. Asst.                           Title:  CFO

WITNESS/ATTEST:                                STV ARCHITECTS, INC.

/s/ Lori Jo Berk                               By:  /s/ Peter W. Knipe    (SEAL)
Print Name:  Lori Jo Berk                      Print Name:  Peter W. Knipe
Title:  Admin. Asst.                           Title:  Secretary

WITNESS/ATTEST:                                STV SILVER & ZISKIND ARCHITECTS,
                                               P.C.

/s/ Lori Jo Berk                               By:  /s/ Peter W. Knipe    (SEAL)
Print Name:  Lori Jo Berk                      Print Name:  Peter W. Knipe
Title:  Admin. Asst.                           Title:  Secretary

WITNESS/ATTEST:                                STV ARCHITECTS, P.C.

/s/ Lori Jo Berk                               By:  /s/ Michael D. Garz   (SEAL)
Print Name:  Lori Jo Berk                      Print Name:  Michael D. Garz
Title:  Admin. Asst.                           Title:  President

                                      -10-

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