Document:

<PAGE>

                                                                   EXHIBIT 10.35

                      CONVEYANCE OF NET PROFITS INTEREST

     THIS CONVEYANCE of Net Profits Interest (this "Conveyance") executed as of
the 21st day of December, 2000, from Aviva America, Inc., a Texas corporation
("Assignor") to Crosby Capital, LLC, a Texas limited liability company
("Assignee"), is made upon and subject to the following terms and conditions.

     For purposes of this Conveyance, except as otherwise expressly provided or
as the context otherwise requires, the terms defined in this paragraph have the
meanings herein assigned to them, and the capitalized terms defined in the
opening paragraph of this Conveyance and subsequent paragraphs by inclusion in
quotation marks and parentheses have the meanings so ascribed to them:

     "Abandonment Fund Payments" means payments actually made by Assignor which
are deposited in a segregated, special purpose account set up for the purpose of
providing available funds to pay the costs to be incurred by Assignor in (a)
plugging and abandoning New Wells, net of estimated salvage value of equipment
used for or made a part thereof; and (b) dismantling, removing and salvaging
gathering systems, pipelines, platforms and production facilities installed or
constructed in connection with the drilling, operation or maintenance of the New
Wells, net of estimated salvage value thereof.

     "Costs" for any month means, on a cash basis, the amount actually paid by
Assignor for its working interest share of the sum of the following costs (to
the extent they are not deducted for purposes of calculating Gross Proceeds),
insofar as they are attributable to the New Wells, in accordance with generally
accepted accounting principles, and whether capital or non-capital in nature:

     (a)  all costs and expenses of any kind whatsoever, including, but not
          limited to, amounts paid to third party operator as COPAS overhead
          charges (but specifically excluding Assignor's general administrative
          and overhead costs), incurred in connection with (1) the exploration,
          drilling, equipping, development, operation or maintenance of the New
          Wells for the production of the Subject Minerals, and (2) the lifting,
          handling, gathering, producing, treating, storing, marketing or
          transporting of the Subject Minerals from the New Wells;

     (b)  Excess Costs for the preceding month (including Excess Costs carried
          forward from any preceding month subsequent to the Effective Date);

     (c)  Abandonment Fund Payments;

     (d)  interest on the amount of Excess Costs at the beginning of any month
          at the rate of one percentage point over the Prime Interest Rate in
          effect at the beginning of such month (but not to exceed the maximum
          rate of interest permitted to be collected under applicable law); and

     (e)  Tax Payments;

provided, that if Assignor's interest in a New Well is an overriding royalty
interest, then the only Cost that may be deducted in determining Net Proceeds
and Assignee's Net Profits Interest is Tax Payments.
<PAGE>

     "Effective Date" means 7:00 o'clock a.m., local time in effect at the
location of the lands covered by the Leases, on the 17/th/ day of November,
2000.

     "Excess Costs" for each month subsequent to the Effective Date means the
excess, if any, of Costs over Gross Proceeds.

     "Gross Proceeds" for any month means the amounts actually received during
such month by Assignor as revenues from the sale of the Subject Minerals
attributable to Assignor's interest (whether characterized as a working
interest, overriding royalty interest or other interest) in the New Wells,
including amounts received by Assignor as payments from a Purchaser with respect
to the Subject Minerals pursuant to contractual provisions providing for "take-
or-pay" payments, subject to the following:

     (a)  There shall be excluded from Gross Proceeds any royalty, overriding
          royalty, production payments or other burdens on production which are
          borne by or payable out of production from the New Wells and which
          were created before the Effective Date.

     (b)  There shall be included in Gross Proceeds, at the time of complete
          abandonment of all the New Wells, the excess, if any, of the total
          Abandonment Fund Payments over the total of actual abandonment costs
          paid.

     "Leases" means the oil, gas and mineral leases described in Exhibit A
attached hereto and made a part hereof.

     "Net Proceeds" for any month subsequent to the Effective Date means the
excess, if any, of Gross Proceeds over Costs.

     "Net Profits Interest" means an undivided 15% interest in and to the Net
Proceeds from the New Wells.

     "New Wells" means all wells drilled or completed on or after the Effective
Date on lands covered by the Leases listed on Exhibit A hereto or on lands
pooled or unitized therewith.

     "Person" means any individual, corporation, partnership, trust, estate or
other entity or organization.

     "Prime Interest Rate" means the interest rate per annum published by the
Wall Street Journal on ninety day loans.

     "Purchaser" means a purchaser of the Subject Minerals, or a portion
thereof.

     "Sales Contracts" means all contracts or agreements for the offer or sale
of, or commitment to offer or sell, or right of first refusal to purchase the
Subject Minerals.

     "Subject Minerals" means all oil, gas and all other minerals, whether
similar or dissimilar, in and under, and which may be produced, saved and sold
from, and which shall accrue and be attributable to, the New Wells from and
after the Effective Date.

                                       2
<PAGE>

     "Tax Payments" means, for any month, the amount of severance, production,
gross production, ad valorem and other taxes (other than income or occupation
taxes) actually paid by Assignor with respect to Assignor's interest in the New
Wells (determined as if Assignor's ownership interest in the New Wells was free
and clear of the Net Profits Interest conveyed hereunder).

                              W I T N E S S E T H:
                              - - - - - - - - - -

                        NET PROFITS INTEREST CONVEYANCE
                        -------------------------------

     WHEREAS, Assignor desires to assign to Assignee the Net Profits Interest,

     NOW, THEREFORE,

                                   Article I
                          Conveyance and Reservation
                          --------------------------

     1.1  Conveyance and Reservation.  Assignor, for valuable consideration, the
          --------------------------
receipt and sufficiency of which are hereby acknowledged, by these presents
does, effective as of the Effective Date, bargain, sell, grant, convey,
transfer, assign, set over and deliver unto Assignee, the Net Profits Interest.

     TO HAVE AND TO HOLD the Net Profits Interest unto Assignee, its successors
and assigns forever.

                                  Article II
                         Marketing of Subject Minerals
                         -----------------------------

     2.1  Protection to Purchasers of Production.  Any Person purchasing or
          --------------------------------------
taking or processing any Subject Minerals is authorized and directed to remit
directly to Assignor the proceeds of the sale or other disposition of such
Subject Minerals and shall have no liability to Assignee for any such proceeds
so remitted.

     2.2  Sales Contracts.  Assignor shall use all reasonable efforts to market
          ---------------
and sell, or cause to be marketed and sold, all commercial quantities of Subject
Minerals.  For such purposes, sales of Subject Minerals may continue to be made
by Assignor pursuant to any existing Sales Contracts. Assignor may amend any
existing Sales Contracts and may enter into one or more Sales Contracts in the
future at the best prices and on the best terms Assignor shall deem reasonably
obtainable in the circumstances.

     2.3  Reliance by Third Party.  As to any party to a Sales Contract, the
          -----------------------
acts of Assignor shall be binding upon Assignee.

                                  Article III
                            Records and Statements
                            ----------------------

     3.1  Books and Records.  Assignor shall at all times maintain true and
          -----------------
correct books and records sufficient to determine the amounts payable to
Assignee from the Net Profits Interest.

     3.2  Inspections.  The books and records referred to in Section 3.1 shall
          -----------
be open for inspection by Assignee upon reasonable notice at the office of
Assignor during normal business hours.

                                       3
<PAGE>

     3.3  Annual Statements.  Within ninety (90) days next following the close
          -----------------
of each calendar year, Assignor shall deliver to Assignee a statement showing,
in reasonable detail, the computation of Net Proceeds attributable to such year.

                                  Article IV
                          Application of Net Proceeds
                          ---------------------------

     Assignor shall pay to Assignee, on or before the 25th day of each month, an
amount equal to the Net Proceeds which are attributable to the Net Profits
Interest for the preceding month.

                                   Article V
                           Non-liability of Assignee
                           -------------------------

     In no event shall Assignee be liable or responsible in any way for any
Costs or other costs or liabilities incurred by Assignor or other lessees
attributable to the New Wells or to the Subject Minerals.

                                  Article VI
                            Operation of New Wells
                            ----------------------

     Assignee agrees that Assignor shall have no obligation, express or implied
to drill any New Wells or to participate in the drilling of any New Wells on the
Leases.  In the event that any New Wells are drilled on the Leases, Assignor
agrees that it will conduct and carry on the development, maintenance and
operation of any New Wells with reasonable and prudent business judgment and in
accordance with sound oil and gas field practices, but Assignor shall have no
liability to Assignee for losses sustained or liabilities incurred, except such
as may result from its gross negligence or willful misconduct.  Nothing
contained in this Article VI shall be deemed to prevent or restrict Assignor
from electing not to participate in any operation that is to be conducted under
the terms of any operating agreement, unit operating agreement, contract for
development or similar instrument affecting or pertaining to the Leases (or any
portion thereof) and allowing consenting parties to conduct nonconsent
operations thereon free and clear of Assignee's Net Profits Interest.

                                  Article VII
                            Pooling and Unitization
                            -----------------------

     7.1  Right to Pool.  Assignor shall have the right and power to pool or
          -------------
unitize any of the Leases and to alter, change, amend or terminate any pooling
or unitization agreements heretofore or hereafter entered into, as to all or any
part of the lands covered by the Leases, as to any one or more of the formations
or horizons thereunder, and as to any Subject Minerals, upon such terms and
provisions as Assignor shall in its sole discretion determine.  If and whenever
through the exercise of such right and power, or pursuant to any law hereafter
enacted or any rule, regulation or order of any governmental body or official
hereafter promulgated, any of the Leases are pooled or unitized in any manner,
the Net Profits Interest, insofar as it burdens such Leases, shall also be
pooled and unitized, and if a New Well is drilled on such Lease or lands pooled
or unitized therewith, then in such event, the Net Profits Interest shall apply
to and affect only the production that accrues to Assignor's interest in the New
Well under and by virtue of pooling and unitization.

                                       4
<PAGE>

                                 Article VIII
                             Government Regulation
                             ---------------------

     All obligations of Assignor hereunder shall be subject to all applicable
state or federal statutes purporting to regulate the production or sale of the
Subject Minerals and all applicable laws, orders, rules and regulations of any
state or federal legislative or governmental body, agency, board or commission
having jurisdiction.

                                  Article IX
                           Abandonment of Properties
                           -------------------------

     Nothing herein contained shall obligate Assignor to operate or continue to
operate any New Well or to operate or maintain in force or attempt to maintain
in force any of the Leases when, in Assignor's opinion, such New Well or Lease
ceases to produce or is not capable of producing oil, gas or other minerals in
commercial quantities.

                                   Article X
                                  Assignments
                                  -----------

     10.1  Assignment by Assignor.  Assignor shall have the right to assign,
           ----------------------
sell, transfer, convey, mortgage or pledge its interest in any New Wells, or any
part thereof, subject to the Net Profits Interest and the terms and provisions
of this Conveyance.  However, no such action will affect the method of computing
Net Proceeds or Assignee's unencumbered right to receive Net Proceeds.

     10.2  Farmout by Assignor.  Assignor shall have the right to farmout its
           -------------------
interest in the Leases or any part thereof for the purpose of causing a New Well
to be drilled on the Leases or lands pooled or unitized therewith.  In the event
of such a farmout, the farmee shall acquire Assignor's interest in the Leases
free and clear of the Net Profits Interest, but the Net Profits Interest shall
burden any overriding royalty interest, working interest or reversionary
interest retained by Assignor under the terms of such farmout.

     10.3  Assignment by Assignee.  Assignee shall have the right to assign,
           ----------------------
sell, transfer, convey, mortgage or pledge the Net Profits Interest, or any part
thereof, subject to the terms and provisions of this Conveyance.  However, no
such action will affect the method of computing Net Proceeds.

     10.4  Change in Ownership.  No change of ownership or right to receive
           -------------------
payment of the Net Profits Interest, or of any part thereof, however
accomplished, shall be binding upon Assignor until notice thereof shall have
been furnished by the Person claiming the benefit thereof, and then only with
respect to payments thereafter made.  Notice of sale or assignment shall consist
of furnishing a certified copy of the recorded instrument or instruments
accomplishing the same, or in such other manner as may be reasonably required by
Assignor.  Until such notice shall have been furnished Assignor as above
provided, the payment or tender of all sums payable on the Net Profits Interest
may be made in the manner provided herein precisely as if no such change in
interest ownership or right to receive payment has occurred.  The kind of notice
herein provided shall be exclusive, and no other kind, whether actual or
constructive, shall be binding on Assignor.

                                       5
<PAGE>

                                    PART II

                     MISCELLANEOUS PROVISIONS APPLICABLE TO
                     --------------------------------------
                              PARTS I, II AND III
                              -------------------

     1.   Further Assurances.  Should any additional instruments of assignment
          ------------------
and conveyance be required to more fully effectuate the Conveyance hereunder or
to describe more specifically any interests subject thereto, Assignor agrees to
execute and deliver the same.

     2.   Aviva Operating Company.  To the extent that Aviva Operating Company,
          -----------------------
a Delaware Corporation, which has a mailing address at 8235 Douglas Avenue,
Suite 400, Dallas, TX 75225 ("Aviva Operating"), currently has any rights in or
claim to the Net Profits Interest conveyed hereby, by virtue of that certain
Conveyance of Net Profits Interest dated June 30, 2000 from Aviva America, Inc.
to Aviva Operating and recorded in Plaquemines Parish, Louisiana at C.O.B. No.
977, Folio 50 (the "Prior NPI Conveyance"), but subject to the bankruptcy
reorganization plan of Aviva America, Inc. as confirmed by order of the
Bankruptcy Court for the Northern District of Texas, Dallas Division, dated
November 6, 2000, Aviva Operating hereby assigns, grants, sets over, transfers,
confirms and delivers to Assignee all of its right, title and interest in the
Net Profits Interest, and warrants that it has not previously assigned, granted,
set over, transferred, confirmed, delivered or encumbered in any way its
interest, if any, in the Net Profits Interest.  By its acceptance of this
Conveyance, Assignee acknowledges and agrees that it is the intent of the
parties to this Conveyance that only one conveyance of the Net Profits Interest
be made to Assignee hereunder. Accordingly, in the event that it is determined
that the Prior NPI Conveyance is valid and enforceable notwithstanding the Aviva
America Inc. bankruptcy, then the conveyance of the Net Profits Interest from
Assignor to Assignee hereunder shall be of no force and effect and instead the
assignment of the Net Profits Interest from Aviva Operating to Assignee under
this paragraph shall operate to transfer the Net Profits Interest to Assignee.

     3.   Notices.  All notices, statements, payments and communications between
          -------
the parties hereto shall be deemed to have been sufficiently given and delivered
if enclosed in a postpaid wrapper deposited in the United States Mails,
addressed to the following address, or at such other address, as the party to be
addressed shall have designated by written notice to the party giving such
notice or furnishing such statement, payment or communication:

     Address for Assignor:
     --------------------

     Aviva America, Inc.
     8235 Douglas Avenue
     Suite 400
     Dallas, Texas 75225
     Facsimile No. (214) 691-6151
     ATTN:  Ronald Suttill

                                       6
<PAGE>

     Address for Assignee:                   with copies to:
     --------------------                    --------------

     Crosby Capital, LLC                     Gibson, Dunn & Crutcher LLP
     c/o Bunker Hill Associates, Inc.        2100 McKinney, Suite 2100
     712 Main Street, Suite 1700             Dallas, TX 75201
     Houston, TX 77002                       ATTN:  Michael Rosenthal
     ATTN:  Jay A. Chaffee                   Facsimile No. (214) 698-3400
     Facsimile No. (713) 223-5379

     4. Successors and Assigns.  The Conveyances herein, and each and every
        ----------------------
provision thereof, shall be binding upon and shall inure to the benefit of the
parties, their respective successors, successors-in-title, heirs and assigns.

     5. No Waiver.  The failure of any party to insist, upon strict
        ---------
performance of a covenant hereunder or of any obligation hereunder, irrespective
of the length of time for which such failure continues, shall not be a waiver of
such party's right to demand strict compliance in the future.  No consent or
waiver, express or implied, to or of any breach or default in the performance of
any obligation hereunder shall constitute a consent or waiver to or of any other
breach or default in the performance of the same or any other obligation
hereunder.

     6. Captions, Number and Gender.  Titles or captions of Articles or
        ---------------------------
Sections contained in the Conveyance are inserted only as a matter of
convenience and for reference, and in no way define, limit, extend or describe
the scope of this Conveyance or the intent of any provision hereof. The plural
and singular numbers shall, where appropriate, include the singular and plural,
respectively, and words of any gender shall, where appropriate, include each
other gender.

     7. Applicable Law.  The Conveyances herein and the rights and obligations
        --------------
of the parties hereunder shall be governed by and interpreted, construed and
enforced in accordance with the laws of the State of Texas, except as to real
property matters which are required to be governed by the respective laws of the
jurisdictions in which the Subject Interests are located.

     8. Warranties.  Except as expressly set forth herein, the Conveyances
        ----------
herein are being made without warranty of title, either express or implied.

                                       7
<PAGE>

     IN WITNESS WHEREOF, Assignor has caused these Conveyances to be duly
executed on the date first above written, but to be effective as of the 17th day
of November, 2000.

                                        AVIVA AMERICA, INC.
Witnesses:

/s/ Barry Cannaday                      By /s/ R. Suttill
-----------------------------              --------------------------------
/s/ F. Broyles                             Ronald Suttill, President
-----------------------------

                                        AVIVA OPERATING COMPANY
Witnesses:

/s/ Barry Cannaday                      By /s/ R. Suttill
-----------------------------              --------------------------------
                                           Ronald Suttill, President
/s/ F. Broyles
-----------------------------

                                        CROSBY CAPITAL, LLC
Witnesses:

/s/ Stanton Eigenbrodt                  By /s/ Jay A. Chaffee
-----------------------------              --------------------------------
                                           Jay A. Chaffee, President
/s/ Sam A. Mills
-----------------------------

                                       8
<PAGE>

STATE OF TEXAS           (S)
                         (S)
COUNTY OF DALLAS         (S)

     On this 21st day of December, 2000, before me appeared Ronald Suttill, to
me personally known,  who being by me duly sworn did say that he is the
President of Aviva America, Inc., and that the instrument was signed on behalf
of same, by authority of its Board of Directors and that he acknowledged the
instrument to be the free act and deed of said corporation.

     This instrument was acknowledged before me on the 21st day of December,
2000, by Ronald Suttill, the President of Aviva America, Inc.

                                    /s/ Gwendalyn Anne Davis
                                    -------------------------------------------
                                    Notary Public in and for the State of Texas

[STAMP OF GWENDALYN ANNE DAVIS]

My Commission Expires:

     08-28-01
---------------------

STATE OF TEXAS           (S)
                         (S)
COUNTY OF DALLAS         (S)

     On this 21st day of December, 2000, before me appeared Ronald Suttill, to
me personally known,  who being by me duly sworn did say that he is the
President of Aviva Operating Company, and that the instrument was signed on
behalf of same, by authority of its Board of Directors and that he acknowledged
the instrument to be the free act and deed of said corporation.

     This instrument was acknowledged before me on the 21st day of December,
2000, by Ronald Suttill, the President of Aviva Operating Company.

                                    /s/ Gwendalyn Anne Davis
                                    -------------------------------------------
                                    Notary Public in and for the State of Texas

[STAMP OF GWENDALYLN ANNE DAVIS]

My Commission Expires:

     08-28-01
----------------------

                                       9
<PAGE>

STATE OF TEXAS           (S)
                         (S)
COUNTY OF DALLAS         (S)

     On this 21st day of December, 2000, before me appeared Jay A. Chaffee, to
me personally known,  who being by me duly sworn did say that he is the
President of Crosby Capital, LLC, and that the instrument was signed on behalf
of same, by authority of its Board of Directors and that he acknowledged the
instrument to be the free act and deed of said corporation.

     This instrument was acknowledged before me on the 21/st/ day of December,
2000, by Jay A. Chaffee, the President of Crosby Capital, LLC,

                                    /s/ Gwendalyn Anne Davis
                                    -------------------------------------------
                                    Notary Public in and for the State of Texas

[STAMP OF GWENDALYN ANNE DAVIS]

My Commission Expires:

     08-28-01
----------------------

                                       10
<PAGE>

                                  EXHIBIT "A"
                               LEASE DESCRIPTIONS
                               ------------------

1.   Oil, Gas and Mineral Lease known as State Lease No. 4865 dated December 12,
                                         ----- ----- --- ----
     1966, executed by the State Mineral Board on behalf of the State of
     Louisiana, in favor of Davis Oil Company, recorded in Conveyance Book 307,
     Folio 1035, under Entry No. 204, of the records of Plaquemines Parish,
     Louisiana, being a portion of Tract No. 10141 of Block 31, Breton Sound
     Area, as more fully described in said lease.

2.   Oil, Gas and Mineral Lease known as State Lease No. 4407, dated October 22,
                                         ----- ----- --- ----
     1964, executed by the State Mineral Board on behalf of the State of
     Louisiana, in favor of Ocean Drilling & Exploration Company, et al.,
     recorded in Conveyance Book 281, Folio 687, of the records of Plaquemines
     Parish, Louisiana, being a portion of Tract No. 9253 of Block 31, Breton
     Sound Area, as more fully described in said lease.

3.   Oil, Gas and Mineral Lease known as State Lease No. 5049, dated February
                                         ----- ----- --- ----
     19, 1968, executed by the State Mineral Board on behalf of the State of
     Louisiana, in favor of Louis D. Curet, recorded in Conveyance Book 322,
     Folio 509, under Entry No. 113, of the records of Plaquemines Parish,
     Louisiana, being a portion of Tract No. 10604 of Block 34, Breton Sound
     Area, as more fully described in said lease.

4.   Oil, Gas and Mineral Lease known as State Lease No. 4458, dated January 18,
                                         ----- ----- --- ----
     1965, executed by the State Mineral Board on behalf of the State of
     Louisiana, in favor of Ocean Drilling & Exploration Company, et al.,
     recorded in Conveyance Book 284, Folio 639, under Entry No. 155, of the
     records of Plaquemines Parish, Louisiana, being a portion of Tract No. 9355
     of Block 34, Breton Sound Area, as more fully described in said lease.

                                       11<PAGE>

                                 EXHIBIT 10(u)

                       FIFTH AMENDMENT TO LOAN AGREEMENT
                       ---------------------------------

  THIS FIFTH AMENDMENT ("Fifth Amendment") dated as of the 15th day of July,
2000 to the Loan Agreement (the "Loan Agreement"), made and entered into as of
July 12, 1995, by and among SUMMIT BANCSHARES, INC., a Texas corporation,
(hereinafter called "Borrower") and THE FROST NATIONAL BANK, a national banking
association (hereinafter called "Lender").  All capitalized terms not otherwise
defined herein shall have the meaning ascribed to each of them in the Loan
Agreement.

                                  WITNESSETH:

     WHEREAS, Borrower executed the Loan Agreement to govern those two certain
promissory notes from Lender, specifically a $8,000,000.00 Acquisition Note and
a $1,000,000.00 Liquidity Note (collectively, the "Notes").

     WHEREAS, Borrower executed the First Amendment to Loan Agreement on July
15, 1996 ("First Amendment") which renewed and extended the maturity date of the
Notes: and

     WHEREAS, Borrower executed the Second Amendment to Loan Agreement on July
15, 1997 ("Second Amendment") which renewed and extended the maturity date of
the Notes; and

     WHEREAS, Borrower executed the Third Amendment to Loan Agreement on July
15, 1998 ("Third Amendment") which renewed and extended the maturity date of the
Notes; and

     WHEREAS, Borrower executed the Fourth Amendment to Loan Agreement on July
15, 1999 ("Fourth Amendment") which renewed and extended the maturity date of
the Notes; and

     WHEREAS, the Borrower desires to again renew and extend the unpaid
principal balance of the Notes; and

     WHEREAS, the Lender agrees to renew and extend the Notes all as hereinafter
provided.

     NOW, THEREFORE, in consideration of the premises and other good and
valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, Borrower and Lender do hereby agree as follows:

                                   ARTICLE I
                                   ---------

                          Amendment to Loan Agreement
                          ---------------------------

     1.1  Amendment to Notes.  As of the effective date hereof, the Borrower has
          -------------------
zero outstanding under the Acquisition Note and the Liquidity Note.  The
Borrower desires to renew these credit facilities by the execution of another
Acquisition Note and Liquidity Note extending the original payment terms and the
maturity date by one year.  Accordingly, Sections 2.02 (a) and (b) of the Loan
Agreement shall be, and are hereby, amended to read in their entirety as
follows:
<PAGE>

          2.02 (a)  Acquisition Note.  From Closing Date and continuing at all
                    -----------------
     times through July 15, 2001 ( the "Revolving Credit Period") the Loan
     evidenced by the Acquisition Note shall be a revolving credit facility
     which will allow the Borrower to request such amounts as Borrower may elect
     from time to time (each such amount being herein called an "Advance") so
     long as the aggregate amount of Advances outstanding at any time under the
     Acquisition Note does not exceed Eight Million and No/100 Dollars
     ($8,000,000.00) provided however, the minimum Advance must be at least
     $500,000.00.  Prior to July 15, 2001, the Borrower shall have the right to
     borrow, repay, and borrow again under the credit facility.  The outstanding
     principal balance of the Acquisition Note n July 15, 2001 shall convert to
     a term facility (the "Term Period") and shall be payable in 20 equal
     quarterly installments of  principal plus all accrued and unpaid interest,
     with all unpaid principal plus all accrued and unpaid interest being due
     and payable on July 15, 2006.  Principal and interest of the Acquisition
     Note shall be due and payable as provided in the Acquisition Note.

          (b) Liquidity Note.  The Liquidity Note shall be due and payable as
              ---------------
     follows: during the Revolving Credit Period the Loan evidenced by the
     Liquidity Note shall be a revolving credit facility which will allow the
     Borrower to request such amounts as Borrower may elect from time to time
     (each such amount being herein called an "Advance") so long as the
     aggregate amount of Advances outstanding at any time under the Liquidity
     Note does not exceed One Million and No/100 Dollars ($1,000,000.00)
     provided however, the minimum Advance must be at least $50,000.00.  Prior
     to July 15, 2001, the Borrower shall have the right to borrow, repay and
     borrow again under the credit facility. The outstanding principal balance
     of the Liquidity Note on July 15, 2001 shall convert to a term facility and
     shall be payable in 20 equal quarterly installments of principal plus all
     accrued and unpaid interest, with all unpaid principal plus all accrued and
     unpaid interest being due and payable on July 15, 2006.  Principal and
     interest of the Liquidity Note shall be due and payable as provided in the
     Liquidity Note.

                                   ARTICLE II
                                   ----------

                          Conditions of Effectiveness
                          ---------------------------

     2.1  Effective Date.  This Fifth Amendment shall become effective as of
          ---------------
July 15, 2000, when, and only when, Lender shall have received counterparts of
this Fifth Amendment executed and delivered by Borrower and when each of the
following conditions shall have been met, all in form, substance, and date
satisfactory to Lender.

          (a)  Renewal Notes.  Borrower shall have executed and delivered to
               -------------
               Lender a new Acquisition Note and new Liquidity Note, each
               payable to the order of Lender as set forth therein, each duly
               executed on behalf of the Borrower, dated effective July 15, 2000
               in the principal amounts of $8,000,000.00 and $1,000,000.00,
               respectively.

          (b)  Additional Loan Documents.  Borrower shall have executed and
               --------------------------
               delivered to Lender such other documents as shall have been
               requested by Lender to renew, and extend, the Loan Documents to
               secure payment of the Obligations of Borrower, all in form
               satisfactory to Lender and its counsel.
<PAGE>

                                  ARTICLE III
                                  -----------

                         Representations and Warranties
                         ------------------------------

     3.1  Representations and Warranties.  In order to induce Lender to enter
          -------------------------------
into this Fifth Amendment, Borrower represents and warrants the following:

          (a)  Borrower has the corporate power to execute and deliver this
               Fifth Amendment, the Notes, and other Loan Documents and to
               perform all of its obligations in connection herewith and
               therewith.

          (b)  The execution and delivery by Borrower of this Fifth Amendment,
               the Notes, and other Loan Documents and the performance of its
               obligations in connection herewith and therewith: (i) have been
               duly authorized or will be duly ratified and affirmed by all
               requisite corporate action; (ii) will not violate any provision
               of law, any order of any court or agency of government or the
               Articles of Incorporation or Bylaws of such entity; (iii) will
               not be in conflict with, result in a breach of or constitute
               (alone or with due notice or lapse of time or both) a default
               under any indenture, agreement or other instrument; and (iv) will
               not require any registration with, consent or approval of or
               other action by any federal, state provincial or other
               governmental authority or regulatory body.

          (c)  There is no action, suit or proceeding at law or in equity or by
               or before any governmental instrumentality or other agency or
               regulatory authority now pending or, to the knowledge of
               Borrower, threatened against or affecting Borrower or any
               properties or rights of Borrower or involving this Fifth
               Amendment or the transactions contemplated hereby which, if
               adversely determined, would materially impair the right of
               Borrower, to carry on business substantially as now conducted or
               materially and adversely affect the financial condition of
               Borrower or materially and adversely affect the ability of
               Borrower to consummate the transactions contemplated by this
               Fifth Amendment.

          (d)  The representations and warranties of Borrower contained in the
               Loan Agreement, this Fifth Amendment, the Notes, and any other
               Loan Document securing Borrower's Obligations   and indebtedness
               to Lender are correct and accurate on and as of the date hereof
               as though made on   and as of the date hereof, except to the
               extent that the facts upon which such representations are based
               have been changed by the transactions herein contemplated.

                                   ARTICLE IV
                                   ----------

                     Ratification of Obligations and Liens
                     -------------------------------------

     4.1  Ratification of Obligation.  The Borrower does here acknowledge,
          ---------------------------
ratify and confirm that it is obligated and indebted to Lender as evidenced by
the Loan Agreement (as amended by the First Amendment, the Second Amendment, the
Third Amendment, the Fourth Amendment and this Fifth Amendment), the Notes and
all other Loan Documents.
<PAGE>

     4.2  Valid Liens.  Borrower hereby acknowledges and agrees that the liens
          ------------
and security interests of the Loan Documents are valid and subsisting liens and
security interests and are superior to all liens and security interests other
than those exceptions approved by Lender in writing.  Nothing herein contained
shall affect or impair the validity or priority of the liens and security
interests under the Loan Documents.

     4.3  Ratification of Agreements.  The Loan Agreement (as previously amended
          ---------------------------
by the First Amendment, the Second Amendment, the Third Amendment and the Fourth
Amendment), this Fifth Amendment, the Notes, and each other Loan Document, as
hereby amended, is acknowledged, ratified and confirmed in all respects as being
valid, existing, and of full force and effect.  Any reference to the Loan
Agreement in any Loan Document shall be deemed to be a reference to the Loan
Agreement (as previously amended) and as amended by this Fifth Amendment.  The
execution, delivery and effectiveness of this Fifth Amendment shall not, except
as expressly provided herein, operate as a waiver of any right, power or remedy
of Lender under the Loan Agreement, nor constitute a waiver of any provision of
the Loan Agreement.  The Borrower acknowledges, ratifies and confirms that the
collateral securing the Loan secures all of the indebtedness of the Borrower,
including without limitation, the Notes.

                                   ARTICLE V
                                   ---------

                                 Miscellaneous
                                 -------------

     5.1  Survival of Agreements.  All representations, warranties, covenants
          -----------------------
and agreements of Borrower, herein or in any other Loan Document shall survive
the execution and delivery of this Fifth Amendment, and the other Loan Documents
and the performance hereof and thereof, including without limitation the making
or granting of the Loan and the delivery of the Notes and all other Loan
Documents, and shall further survive until all of Borrower's Obligations to
Lender are paid in full.  All statements and agreements contained in any
certificate or instrument delivered by Borrower hereunder or under the Loan
Documents to Lender shall be deemed to constitute the respective representations
and warranties by Borrower and/or respective agreements and covenants of
Borrower under this Fifth Amendment and under the Loan Agreement.

     5.2  Loan Document.  This Fifth Amendment, the Notes, and each other Loan
          --------------
Documents executed in connections herewith are each a Loan Document and all
provisions in the Loan Agreement, as amended, pertaining to Loan Documents apply
hereto and thereto.

     5.3  Governing Law.  This Fifth Amendment shall be governed by and
          --------------
construed in all respects in accordance with the laws of the State of Texas and
any applicable laws of the United States of America, including construction,
validity and performance.

     5.4  Counterparts.  This Fifth Amendment may be separately executed in any
          -------------
number of counterparts and by different parties hereto in separate counterparts,
each of which when so executed shall be deemed to constitute one and the same
Fifth Amendment.

     5.5  Release of Claims.  Borrower by its execution of this Fifth Amendment,
          ------------------
hereby declares that it has no set-offs, counterclaims, defenses or other causes
of action against Lender arising out of the Loan, the renewal, modification and
extension of the Loan, any documents mentioned herein or otherwise; and, to the
extent any such setoffs, counterclaims, defenses or other causes of action which
may exist, whether known or unknown, such items are hereby expressly waived and
released by Borrower.
<PAGE>

     5.6  Attorneys' Fees.  Borrower hereby agrees to pay Lender, upon demand,
          ----------------
the reasonable attorneys' fees and expenses of Lender's counsel, filing and
recording fees and other reasonable expenses incurred by Lender in connection
with this Fifth Amendment.  Borrower also agrees to provide to Lender such other
documents and instruments as Lender may reasonably request in connection with
the renewal, extension and modification of the Loans mentioned herein.

     5.7  ENTIRE AGREEMENT.  THIS FIFTH AMENDMENT, TOGETHER WITH ANY LOAN
          -----------------
DOCUMENTS EXECUTED IN CONNECTION HEREWITH, CONTAINS THE ENTIRE AGREEMENT BETWEEN
THE PARTIES HERETO RELATING TO THE SUBJECT MATTER HEREOF AND THEREOF AND ALL
PRIOR AGREEMENTS RELATIVE THERETO WHICH ARE NOT CONTAINED HEREIN OR THEREIN ARE
TERMINATED.  THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES.  THIS
FIFTH AMENDMENT, AND THE LOAN DOCUMENTS MAY BE AMENDED, REVISED, WAIVED,
DISCHARGED, RELEASED OR TERMINATED ONLY BY A WRITTEN INSTRUMENT OR INSTRUCTIONS,
EXECUTED BY THE PARTY AGAINST WHICH ENFORCEMENT OF THE AMENDMENT, REVISION,
WAIVER, DISCHARGE, RELEASE OR TERMINATION IS ASSERTED.  ANY ALLEGED AMENDMENT,
REVISION, WAIVER, DISCHARGE, RELEASE OR TERMINATION WHICH IS NOT SO DOCUMENTED
SHALL NOT BE EFFECTIVE AS TO ANY PARTY.

     IN WITNESS WHEREOF, this Fifth Amendment is executed effective as of the
date first written above.

BORROWER:                     SUMMIT BANCSHARES, INC.

                                    By:  /s/ Philip E. Norwood
                                        --------------------------------
                                    Its: Chairman
                                        --------------------------------

                                    By:  /s/ Bob G. Scott
                                        --------------------------------
                                    Its: Executive Vice President
                                        --------------------------------

LENDER:                             THE FROST NATIONAL BANK

                                    By:  /s/   Jerry L. Crutsinger
                                        --------------------------------
                                    Its: Vice President
                                        --------------------------------

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