Document:

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                                                     First Savings Bank, FSB                  Loan File Number
                                      38728

    UNITED HERITAGE CORPORATE                     301 South Center, Suite 120                 Date
    ----------------------------------------------
    APRIL 25. 2000

    2 NORTH CADO                                       Arlington, Tx 76010                    Loan Amount $
    ---------------------------------------------------
    2,000.000.00

    CLEBURNE, TX 76031                                                                        Maturity Date
    ------------------------------------------------------------------------------------------
    APRIL 25. 2001

         BORROWER'S NAME AND ADDRESS               JG    LENDER'S NAME AND ADDRESS JAN        Renewal Of
         N/A
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      Includes each borrower above, jointly and severally. Includes the lender,
its successors and assigns.

                         DISCLAIMER OF ORAL AGREEMENTS

  The Borrower and Lender, hereinafter the Parties, have entered into a
  transaction generally described as A LOAN IN THE AMOUNT OF $2,000,000.00,
  DATED APRIL 25, 2000 MADE BY LENDER TO BORROWER . In conjunction with this
  transaction the Parties have executed one or more promissory notes,
  assignments, security agreements, guaranty agreements, mortgages, deeds of
  trust or other documents. It is the intention of the Parties that this
  Disclaimer be incorporated by reference into each of the documents so executed
  for this transaction.

  The Parties warrant and represent that the entire agreement made BETWEEN THE
  Parties is contained within the executed documents, as amended and
  supplemented. hereby, and that no agreements or promises exist between the
  Parties that are not reflected in the language of the various documents
  executed in conjunction with this transaction.

                THIS WRITTEN LOAN AGREEMENT REPRESENTS THE FINAL
                    AGREEMENT BETWEEN THE PARTIES AND MAY NOT
                                 BE CONTRADICTED
                    BY EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR
                                 SUBSEQUENT ORAL
                           AGREEMENTS OF THE PARTIES.

      THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES. UNTCED HE AGE
CORPORATE

                                                        First Savings Batik, FSB

                           .

           BORROWER                                  BORROWER
                                                     WALTER MIZE
           JAY G0S,                                  Lender
           EXECUTIVE VICE PRESIDENT

      0 BANKERS SYSTEMS. WC.. 1983 ST. CLOUD. MN 58301 LL-BM397-23411 916189
FORM DOA-T%<TABLE>
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Third Party Pledge Aoreement DATE                      APRIL 25, '`000 iWALTER G. MIZE    SECURED I First Savmgs Bade. FSB
                             ------------------------------------------

             PLEDGOR I                                          i PARTY

             BUSINESS i                                                   I OR
             RESIDENCE                                           i        ADDRESS               i 301 South Censer. Sun(cent)120
                                                                                                --
             , ADDRESS
                                                                 i

             STATE
                  I & i                                          ' CITY STATE. &        I       Arlington. T:c 76010

           I ZIP CODE                                            I ZIP CODE I                   I 1. Security Interest and
           -----------------------------------------------------------------------------------------------------------
           Collateral. To secure (check one):
           O the payment and performance of each and every debt, liability and obligation of every type and description which
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("Debtor")  may now or at any time  hereafter owe to Secured Party (whether such
debt,  liability or obligation  now exists or is hereafter  created or incurred.
and whether it is or may be direct or indirect,  due or to become due,  absolute
or  contingent,  primary or  secondary,  liquidated or  unliquidated,  or joint,
several or joint and several; all such debts,  liabilities and obligations being
herein collectively  referred to as the "Obligations"),  (R) the debt, liability
or obligation of UNIT(degree)D HERITAGE CORPORATE

("Debtor")  to Secured Party  evidenced by or arising under the  foltowir)g:LOAN
#38728  IN THE  AMOUNT  OF  $2,000,000.00  , and  any  extensions,  renewals  or
replacements  thereof (herein referred to as the "Obligations"),  Pledgor hereby
grants Secured Party a security interest (herein called the "Security Interest")
in (check one):

O all property of any kind now or at any time hereafter owned by Pledgor,  or in
which Pledgor may now or hereafter have an interest,  which may now be or may at
any time  hereafter come into the possession or control of Secured Party or into
the possession or control of Secured Party's agents or  correspondents,  whether
such possession or control is given for collateral  purposes or for safekeeping,
together with all proceeds of and other rights in connection  with such property
(herein called the "Collateral").  (R) the property owned by Pledgor and held by
Secured Party that is described as follows:  UNITED  HERITAGE  CORPRATION  STOCK
CERTIFICATE #8406 FOR 20.000.000 SHARES , together with all rights in connection
with that property (herein called the "Collateral").

2. Representations.  Warranties and Covenants. Pledgor represents,  warrants and
covenants that:

      (a)  Pledgor  will  duly  endorse,  in blank,  each and  every  instrument
      constituting  Collateral  by  signing on said  instrument  or by signing a
      separate document of assignment or transfer. if required by Secured Party.

      (b)  Pledgor is the owner of the  Collateral  free and clear of all liens.
      encumbrances,  security  interests and  restrictions,  except the Security
      Interest  and  any   restrictive   legend   appearing  on  any  instrument
      constituting Collateral.

      (c)  Pledgor  will  keep  the  Collateral  free and  clear  of all  liens,
      encumbrances a"d security interests, except the Security Interest.

      (d) Pledgor will pay, when due, all taxes and other  governmental  charges
      levied or assessed upon or against any Collateral.

      (e) At any time,  upon request by Secured  Party,  Pledgor will deliver to
      Secured  Party  all  notices,  financial  statements,   reports  or  other
      communications   received  by  Pledgor  as  an  owner  or  holder  of  the
      Collateral.

      (f)  Pledgor  will upon  receipt  deliver  to  Secured  Party in pledge as
      additional  Collateral  all  securities  distributed  on  account  of  the
      Collateral  such as stock  dividends and  securities  resulting from stock
      splits. reorganizations and recapitalizations.

3. Rights of Secured  Party.  Pledgor agrees that Secured Party may at any time,
whether before or after the occurrence of an Event of Default and without notice
or demand of any kind,  (i) notify the obligor on or issuer of any Collateral to
make payment to Secured Party of any amounts due or distributable  thereon, (ii)
in Pledgor's name or Secured  Party's name enforce  collection of any Collateral
by suit or otherwise,  or surrender,  release or exchange all or any part of it,
or compromise,  extend or renew for any period any  obligation  evidenced by the
Collateral,  (iii)  receive all  proceeds of the  Collateral,  and (iv) hold any
increase or profits received from the Collateral as additional  security for the
Obligations,  except  that any money  received  from the  Collateral  shall,  at
Secured  Party's  option,  be applied in reduction of the  Obligations,  in such
order of application as Secured Party may determine, or be remitted to Debtor. '

   THIS AGREEMENT CONTAINS ADDITIONAL PROVISIONS SET FORTH ON PAGE 2 HEREOF,
                      ALL OF WHICH ARE MADE A PART HEREOF.

                             WALTER . I
                             ----------

RRAPA. w,,u

     By Title: ' By Title: S6M1... SV~. l-o. S1. CLOUA. MN 11O800-397O2361)
                        FARM M.150 5120191 (PAGE I OF 21

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                              ADDITIONAL PROVISIONS

      4. EVENTS OF DEFAULT.  EACH OF THE FOLLOWING  OCCURRENCES SHALL CONSTITUTE
      AN  EVENT OF  DEFAULT  UNDER  THIS  AGREEMENT  IHERETN  CALLED  "EVENT  OF
      DEFAULT'): (I) DEBTOR SHALL FAIL TO PAY ANY OR ALL OF THE OBLIGATIONS WHEN
      DUE OR (IF  PAYABLE  ON  DEMAND) ON  DEMAND:  (II)  PLEDGOR  SHALL FAIL TO
      OBSERVE OR PERFORM ANY  COVENANT OR AGREEMENT  HEREIN  BINDING ON PLEDGOR;
      (III)  ANY  REPRESENTATION  OR  WARRANTY  BY  PLEDGOR  SET  FORTH  IN THIS
      AGREEMENT OR MADE TO SECURED  PARTY IN ANY  FINANCIAL  STATEMENT OR REPORT
      SUBMITTED  TO  SECURED  PARTY  BY OR  ON  BEHALF  OF  DEBTOR  SHALL  PROVE
      MATERIALLY FALSE OR MISLEADING; (IV) DEBTOR SHALL VOLUNTARILY FILE OR HAVE
      INVOLUNTARILY  FILED  AGAINST  IT  A  PETITION  UNDER  THE  UNITED  STATES
      BANKRUPTCY CODE.

5.  REMEDIES UPON EVENT OF DEFAULT.  UPON THE  OCCURRENCE OF AN EVENT OF DEFAULT
AND AT ANY TIME  THEREAFTER,  SECURED  PARTY MAY EXERCISE ANY ONE OR MORE OF THE
FOLLOWING  RIGHTS OR  REMEDIES:  G)  DECLARE  ALL  UNMATURED  OBLIGATIONS  TO BE
IMMEDIATELY DUE AND PAYABLE, AND THE SAME SHALL THEREUPON BE IMMEDIATELY DUE AND
PAYABLE, WITHOUT PRESENTMENT OR OTHER NOTICE OR DEMAND; FAIL EXERCISE ALL VOTING
AND OTHER RIGHTS AS A HOLDER OF THE  COLLATERAL:  (III) EXERCISE AND ENFORCE ANY
OR ALL RIGHTS AND REMEDIES  AVAILABLE  UPON DEFAULT TO A SECURED PARTY UNDER THE
UNIFORM  COMMERCIAL  CODE,  INCLUDING THE RIGHT TO OFFER AND SELL THE COLLATERAL
PRIVATELY TO PURCHASERS WHO WILL AGREE TO TAKE THE COLLATERAL FOR INVESTMENT AND
NOT  WITH A VIEW TO  DISTRIBUTION  AND  WHO  WILL  AGREE  TO THE  IMPOSITION  OF
RESTRICTIVE  LEGENDS ON THE CERTIFICATES  REPRESENTING  THE COLLATERAL,  AND THE
RIGHT TO  ARRANGE  FOR A SALE  WHICH  WOULD  OTHERWISE  QUALIFY  AS EXEMPT  FROM
REGISTRATION  UNDER THE  SECURITIES ACT OF 1933; AND IF NOTICE TO PLEDGOR OF ANY
INTENDED  DISPOSITION OF THE COLLATERAL OR ANY OTHER INTENDED ACTION IS REQUIRED
BY LAW IN A  PARTICULAR  INSTANCE.  SUCH  NOTICE  SHALL BE  DEEMED  COMMERCIALLY
REASONABLE  IF GIVEN AT LEAST 10  CALENDAR  DAYS  PRIOR TO THE DATE OF  INTENDED
DISPOSITION OR OTHER ACTION: (IV) EXERCISE OR ENFORCE ANY OR ALL OTHER RIGHTS OR
REMEDIES  AVAILABLE TO SECURED PARTY BY LAW OR AGREEMENT AGAINST THE COLLATERAL,
AGAINST PLEDGOR OR AGAINST ANY OTHER PERSON OR PROPERTY.  UPON THE OCCURRENCE OF
THE EVENT OF DEFAULT  DESCRIBED  IN  SECTION 4 (iv);  ALL  OBLIGATIONS  SHALL BE
IMMEDIATELY DUE AND PAYABLE WITHOUT DEMAND OR NOTICE THEREOF.

6.  WAIVERS BY PLEDGOR.  PLEDGOR  WAIVES  NOTICE OF SECURED  PARTY'S  ACCEPTANCE
HEREOF AND NOTICE OF THE  CREATION,  EXISTENCE  AND PAYMENT OR NONPAYMENT OF THE
OBLIGATIONS.  NONE OF THE  FOLLOWING  ACTS OR  THINGS  (WHICH  SECURED  PARTY IS
AUTHORIZED  TO DO OR NOT TO DO WITH OR WITHOUT  NOTICE TO PLEDGOR)  SHALL IN ANY
WAY  AFFECT OR  IMPAIR  THE  SECURITY  INTEREST  OR  PLEDGOR'S  LIABILITIES  AND
OBLIGATIONS  HEREUNDER;  (A) ANY EXTENSION OR RENEWAL (WHETHER OR NOT FOR LONGER
THAN THE ORIGINAL  PERIOD) OF ANY OR ALL OF THE  OBLIGATIONS:  (B) ANY CHANGE IN
THE TERMS OF  PAYMENT  OR OTHER  TERMS OF ANY OR ALL OF THE  OBLIGATIONS  OR ANY
COLLATERAL  THEREFOR,  OR ANY SUBSTITUTION OR EXCHANGE OF ANY EVIDENCE OF ANY OR
ALL OF THE OBLIGATIONS OR COLLATERAL THEREFOR.  OR ANY RELEASE OF ANY COLLATERAL
FOR ANY OR ALL OF THE  OBLIGATIONS;  (C) ANY  WAIVER OR  FORBEARANCE  GRANTEE TO
DEBTOR OR ANY OTHER PERSON LIABLE WITH RESPECT TO ANY OR ALL OF THE  OBLIGATIONS
OR ANY RELEASE OF,  COMPROMISE  WITH, OR FAILURE TO ASSERT RIGHTS AGAINST DEBTOR
OR ANY SUCH OTHER PERSON;  (D) THE  PROCUREMENT  OR FAILURE TO PROCURE ANY OTHER
COLLATERAL FOR OR GUARANTORS OR SURETIES OF ANY OR ALL OF THE  OBLIGATIONS:  (E)
THE  TRANSFER  TO  ANY  PERSON,  AT ANY  TIME.  OF  ANY  INTEREST  IN ANY OF THE
OBLIGATIONS  OR ANY  COLLATERAL  THEREFOR;  (F1  ANY  ARRANGEMENT.  COMPOSITION.
EXTENSION,  MORATORIA OR OTHER RELIEF GRANTED TO DEBTOR  PURSUANT TO ANY STATUTE
NOW IN FORCE OR HEREAFTER  ENACTED;  (GL ANY INTERRUPTION IN BUSINESS  RELATIONS
BETWEEN  SECURED  PARTY AND  DEBTOR;  (H) THE  FAILURE  OR NEGLECT TO PROTECT OR
PRESERVE ANY  OBLIGATION OR ANY  COLLATERAL  THEREFOR,  OR TO EXERCISE ANY RIGHT
WHICH MAY BE AVAILABLE TO SECURED PARTY BY LAW OR AGREEMENT PRIOR TO OR AFTER AN
EVENT OF DEFAULT OR A DEFAULT UNDER ANY OTHER  AGREEMENT,  OR ANY DELAY IN DOING
ANY OF THE  FOREGOING;  FILL THE FAILURE OR NEGLECT TO  ASCERTAIN OR ASSURE THAT
THE PROCEEDS OF ANY LOAN TO DEBTOR ARE USED IN ANY  PARTICULAR  MANNER;  AND (J)
THE  APPLICATION  OR FAILURE TO APPLY IN ANY  PARTICULAR  MANNER ANY PAYMENTS OR
CREDITS UPON THE OBLIGATIONS.

      7. OTHER  COLLATERAL.  WHETHER OR NOT  PLEDGOR  REQUESTS  OR DEMANDS  THAT
      SECURED PARTY DO SO, SECURED PARTY SHALL NOT BE REQUIRED BEFORE EXERCISING
      AND ENFORCING ITS RIGHTS UNDER THIS AGREEMENT  FIRST TO RESORT FOR PAYMENT
      OF THE OBLIGATIONS TO DEBTOR OR TO ANY GUARANTOR OR SURETY OR OTHER PERSON
      OBLIGATED  WITH  RESPECT  TO ANY  OBLIGATION,  OR TO THEIR  PROPERTIES  OR
      ESTATES,  OR TO ANY SECURITY INTEREST OR OTHER COLLATERAL SECURINO PAYMENT
      OF ANY OR ALL OF THE  OBLIGATIONS,  OR TO ANY OTHER INTEREST,  PROPERTIES,
      LIENS, RIGHTS OR REMEDIES WHATSOEVER.  PLEDGOR A,.EES TO DEFER EXERCISING,
      AND HEREBY WAIVES,  ANY AND ALL RIGHTS WHICH PLEDGOR MIGHT  OTHERWISE HAVE
      TO OBTAIN  REIMBURSEMENT OR PAYMENT FROM DEBTOR OR OTHER PERSONS OBLIGATED
      WITH  RESPECT TO ANY OR ALL OF THE  OBLIGATIONS  OR OUT OF THE PROPERTY OF
      DEBTOR  OR  OF  SUCH  OTHER   PERSONS   (WHETHER  SUCH  RIGHTS  TO  OBTAIN
      REIMBURSEMENT  OR PAYMENT ARE RIGHTS OF RECOURSE,  RIGHTS OF  SUBROGATION,
      RIGHTS OF CONTRIBUTION, OR OTHERWISE) UNTIL ALL THE OBLIGATIONS SHALL HAVE
      BEEN FULLY PAID TO SECURED PARTY.

8.  MISCELLANEOUS.  ANY  DISPOSITION OF THE COLLATERAL IN THE MANNER PROVIDED IN
SECTION 5 SHALL BE DEEMED COMMERCIALLY REASONABLE. THIS AGREEMENT CAN BE WAIVED,
MODIFIED,  AMENDED,  TERMINATED OR DISCHARGED,  AND THE SECURITY INTEREST CAN BE
RELEASED,  ONLY EXPLICITLY IN A WRITING SIGNED BY SECURED PARTY. A WAIVER SIGNED
BY SECURED  PARTY SHALL BE EFFECTIVE  ONLY IN THE SPECIFIC  INSTANCE AND FOR THE
SPECIFIC  PURPOSE  GIVEN.  MERE DELAY OR FAILURE TO ACT SHALL NOT  PRECLUDE  THE
EXERCISE OR  ENFORCEMENT OF ANY SECURED  PARTY'S RIGHTS OR REMEDIES.  ALL RIGHTS
AND  REMEDIES  OF  SECURED  PARTY  SHALL  BE  CUMULATIVE  AND  MAY BE  EXERCISED
SINGULARLY  OR  CONCURRENTLY,  AT SECURED  PARTY'S  OPTION,  AND THE EXERCISE OR
ENFORCEMENT  OF ANY ONE SUCH RIGHT OR REMEDY SHALL NEITHER BE A CONDITION TO NOR
BAR THE EXERCISE OR ENFORCEMENT OF ANY OTHER. ALL NOTICES TO BE GIVEN TO PLEDGOR
SHALL BE DEEMED  SUFFICIENTLY  GIVEN IF  DELIVERED  OR MAILED BY  REGISTERED  OR
CERTIFIED MAIL, POSTAGE PREPAID. TO PLEDGOR AT ITS ADDRESS SET FORTH ABOVE OR AT
THE MOST RECENT ADDRESS SHOWN ON SECURED PARTY'S  RECORDS.  SECURED PARTY'S DUTY
OF CARE WITH RESPECT TO COLLATERAL IN ITS  POSSESSION  (AS IMPOSED BY LAW) SHALL
BE DEEMED  FULFILLED IF SECURED PARTY  EXERCISES  REASONABLE  CARE IN PHYSICALLY
SAFEKEEPING  SUCH  COLLATERAL  OR, IN THE CASE OF  COLLATERAL  IN THE CUSTODY OR
POSSESSION OF A BAILEE OR OTHER THIRD PERSON,  EXERCISES  REASONABLE CARE IN THE
SELECTION  OF THE  BAILEE OR OTHER  THIRD  PERSON,  AND  SECURED  PARTY NEED NOT
OTHERWISE PRESERVE,  PROTECT,  INSURE OR CARE FOR ANY COLLATERAL.  SECURED PARTY
SHALL NOT BE  OBLIGATED TO PRESERVE  ANY RIGHTS  PLEDGOR MAY HAVE AGAINST  PRIOR
PARTIES,  TO EXERCISE AT ALL OR IN ANY PARTICULAR MANNER ANY VOTING RIGHTS WHICH
MAY BE AVAILABLE WITH RESPECT TO ANY COLLATERAL, TO REALIZE ON THE COLLATERAL AT
ALL OR IN ANY  PARTICULAR  MANNER OR ORDER,  OR TO APPLY  ANY CASH  PROCEEDS  OF
COLLATERAL  IN ANY  PARTICULAR  ORDER OF  APPLICATION.  PLEDGOR  WILL  REIMBURSE
SECURED PARTY FOR ALL EXPENSES (INCLUDING  REASONABLE  ATTORNEYS' FEES AND LEGAL
EXPENSES) INCURRED BY SECURED PARTY IN THE PROTECTION, DEFENSE OR ENFORCEMENT OF
THE  SECURITY  INTEREST,  INCLUDING  EXPENSES  INCURRED  IN  ANY  LITIGATION  OR
BANKRUPTCY OR INSOLVENCY  PROCEEDINGS.  THIS AGREEMENT SHALL BE BINDING UPON AND
INURE TO THE BENEFIT OF PLEDGOR AND SECURED  PARTY AND THEIR  RESPECTIVE  HEIRS,
REPRESENTATIVES,  SUCCESSORS  AND  ASSIGNS  AND SHALL TAKE EFFECT WHEN SIGNED BY
PLEDGOR AND DELIVERED TO SECURED PARTY.  EXCEPT TO THE EXTENT OTHERWISE REQUIRED
BY LAW, THIS AGREEMENT SHALL BE GOVERNED BY THE LAWS OF THE STATE IN WHICH IT IS
EXECUTED AND, UNLESS THE CONTEXT OTHERWISE REQUIRES. ALL TERMS USED HEREIN WHICH
ARE DEFINED IN ARTICLES 1 AND 9 OF THE UNIFORM  COMMERCIAL CODE, AS IN EFFECT IN
SAID  STATE,  SHALL  HAVE THE  MEANINGS  THEREIN  STATED.  IF ANY  PROVISION  OR
APPLICATION OF THIS AGREEMENT IS HELD UNLAWFUL OR  UNENFORCEABLE IN ANY RESPECT.
SUCH  ILLEGALITY  OR  UNENFORCEABILITY  SHALL NOT  AFFECT  OTHER  PROVISIONS  OR
APPLICATIONS WHICH CAN BE GIVEN EFFECT, AND THIS AGREEMENT SHALL BE CONSTRUED AS
IF THE  UNLAWFUL  OR  UNENFORCEABLE  PROVISION  OR  APPLICATION  HAD NEVER  BEEN
CONTAINED  HEREIN OR  PRESCRIBED  HEREBY.  ALL  REPRESENTATIONS  AND  WARRANTIES
CONTAINED  IN  THIS  AGREEMENT   SHALL  SURVIVE  THE  EXECUTION,   DELIVERY  AND
PERFORMANCE OF THIS  AGREEMENT AND THE CREATION AND PAYMENT OF THE  OBLIGATIONS.
IF THIS  AGREEMENT  IS  SIGNED  BY MORE THAN ONE  PERSON  AS  PLEDGOR,  THE TERM
'PLEDGOR'  SHALL  REFER  TO EACH OF THEM  SEPARATELY  AND TO BOTH OR ALL OF THEM
JOINTLY;  ALL SUCH PERSONS  SHALL BE BOUND BOTH  SEVERALLY  AND JOINTLY WITH THE
OTHERLS);  AND ALL PROPERTY  DESCRIBED IN SECTION 1 SHALL BE INCLUDED AS PART OF
THE COLLATERAL,  WHETHER IT IS OWNED JOINTLY BY BOTH OR ALL PLEDGORS OR IS OWNED
IN WHOLE OR IN PART BY ONE FOR MORE) OF THEM.

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