Document:

MORTGAGE

      THIS MORTGAGE  (herein  called  "Mortgage")  is made as of the 28th day of
January,  2004,  by and between (i) ROBCOR,  LLC, a Kentucky  limited  liability
company,  with a mailing address of 3505 Castlegate Court,  Lexington,  Kentucky
40502  (hereinafter  referred to as the  "Borrower"),  and (ii) COMMUNITY  TRUST
BANK,  INC., a Kentucky  banking  corporation,  having its office and  principal
place of  business at 120 South Main  Street,  Winchester,  Kentucky  40392 (the
"Bank").

                                  INTRODUCTION

      A.  Pursuant  to the terms of that  certain  Loan  Agreement  of even date
herewith  by and  between  Borrower  and Bank (the "Loan  Agreement"),  the Bank
agreed to make a term loan to the Borrower in the face principal  amount of Four
Hundred  Ten  Thousand  Seven  Hundred  and No/100  Dollars  ($410,700.00)  (the
"Loan"),  as evidenced by that certain Term Note of even date  herewith  made by
Borrowers  payable  to the  order of the Bank in the face  principal  amount  of
$410,700.00 (the "Note") to refinance the indebtedness  encumbering certain real
estate  located at 261-289  Blue Sky  Parkway,  located  in  Lexington,  Fayette
County,  Kentucky,  which is more fully  described on Exhibit A, attached hereto
and  incorporated  herein by reference  (referred to herein  collectively as the
"Property").

      B.  The  Borrower  desires  to grant a lien to the  Bank as  security  for
payment  of the Note and for other  obligations  more  fully  described  herein,
pursuant to the terms of this Mortgage.

      C. The maturity  date of the Note is January 28, 2009,  which shall be the
maturity date of this Mortgage.

GRANTING CLAUSES

      NOW,  THEREFORE,  in  consideration  of the  Loan and for  other  good and
valuable  consideration,  the receipt and  sufficiency of which Borrower  hereby
acknowledges, and to secure (i) payment of the Note and all extensions, renewals
and  modifications  thereof,  (ii) all  obligations of the  Borrower  hereunder,
under  the Loan  Agreement,  and under  the  "Loan  Documents",  as that term is
defined in the "Loan Agreement";  and (iii) all other  obligations,  whether now
existing or hereafter arising,  of the Borrower to the Bank  (collectively,  the
"Secured  Obligations"),  Borrower does hereby  irrevocably  grant,  bargain and
sell,  convey and confirm,  mortgage,  transfer and assign to the Bank,  all the
following  described property whether now owned or held or hereafter acquired by
Borrower:

      (a) That certain  parcel of real property  located in  Lexington,  Fayette
County,  Kentucky more particularly described on Exhibit "A" attached hereto and
made a part hereof (the "Real Property").

      (b) All leases,  subleases and licenses now existing or hereafter  made of
all or any  part of the Real  Property,  and the  rents,  revenues,  avails  and
receivables therefrom, security and other
<PAGE>

deposits  thereunder,  any  award  made  hereafter  to  Borrower  in  any  court
proceeding  involving  any lessee,  sublessee or licensee or in any  bankruptcy,
insolvency,  reorganization or similar  proceeding in any court, and any payment
made by any  lessee,  sublessee  or  licensee  in  place  of rent  for any  such
property.

      (c) All of the  estate,  title and  interest  of  Borrower  in and, to all
buildings,   structures,   streets,  parking  lots,  sidewalks,  curbs,  utility
distribution  systems,  lighting and other improvements of every kind and nature
whatsoever now or hereafter constructed or located in or about the Real Property
and all gas and electric fixtures,  radiators,  heaters, machinery,  ranges, and
motors, plumbing and heating fixtures, carpeting and other floor coverings, fire
extinguishers and any other safety equipment required by governmental regulation
or law, water heaters,  mirrors,  air  conditioning  apparatus,  window screens,
awnings and storm  sashes,  which are or shall be  attached  to said  buildings,
structures  or  improvements  and all other  furnishings,  furniture,  fixtures,
machinery, equipment,  appliances, building supplies and materials, and personal
property of every kind and nature  whatsoever now or hereafter owned by Borrower
and  located  in,  on or  about,  or used  or  intended  to be  used  with or in
connection  with the  construction,  use,  operation  or  enjoyment  of the Real
Property  and all  improvements  thereto  and  also  including  all  extensions,
additions,   improvements,   betterments,   after-acquired  property,  renewals,
replacements and substitutions,  or proceeds from a permitted sale of any of the
foregoing,  and all the  right,  title  and  interest  of  Borrower  in any such
furnishings,  furniture, fixtures, machinery, equipment, appliances and personal
property  subject  to or covered by any prior  security  agreement,  conditional
sales  contract,  chattel  mortgage or similar lien or claim,  together with the
benefit of any  deposits or  payments  now or  hereafter  made by Borrower or on
behalf of Borrower (all of the foregoing is  collectively  referred to herein as
the  "Improvements").  The location of the  Improvements  is the location of the
Real Property.

      (d) All (i)  easements,  tenements,  privileges,  advantages,  accessions,
hereditaments and appurtenances belonging, benefiting or in any way appertaining
to the Real Property and other property  described in these granting clauses and
all Improvements now or hereafter  located  thereon,  and the rents,  issues and
profits thereof, and (ii) the reversions, remainders, earnings, revenues, rents,
issues and profits thereof.

      (e) All proceeds derived from any taking by condemnation or eminent domain
or similar proceedings or transfer in place or in anticipation  thereof, and all
insurance   proceeds  from  insurance  policies  resulting  from  damage  to  or
destruction  of, all or any part of the  properties  described in these granting
clauses  and all  Borrower's  right  title  and  interest  in all  contracts  or
agreements to sell all or any portion of the Real Property or improvements.

      TO HAVE AND TO HOLD all such Real Property, the Improvements and all other
property and rights described in the above granting clauses (collectively herein
called the  "Mortgaged  Property")  unto the Bank,  its  successors and assigns,
forever.  The lien of this  Mortgage  shall be a first  and prior  lien on,  and
security  interest  in, the  Mortgaged  Property  for the benefit of the Bank to
secure the Secured Obligations including the compliance by Borrower with all the
terms,

                                      -2-
<PAGE>

covenants and conditions of, and its obligations hereunder,  under the Note, the
Loan Agreement, and the other Loan Documents.

      PROVIDED,  HOWEVER,  that if Borrower shall pay or cause to be paid to the
Bank  all  amounts  due and  payable  under  the  Note,  and the  other  Secured
Obligations  and the lending  obligations of the Bank are  terminated,  then and
thereafter, Bank, upon receipt of a written request from Borrower, shall, at the
expense of Borrower, release and discharge the lien of this Mortgage of record.

      THIS MORTGAGE  FURTHER STATES,  and Borrower  hereby  covenants and agrees
with the Bank as follows:

      1. Definitions.  The terms defined in this Section shall have the meanings
stated in this  Section for all purposes of this  Mortgage,  except as otherwise
expressly provided or unless the context clearly otherwise requires. Other terms
are defined elsewhere in this Mortgage

            1.1  "Buildings"  means the  buildings  or other  structures  now or
hereafter  located on the Real Property and all  replacements  or  substitutions
therefor and enlargements, alterations or additions thereto.

            1.2  "Default  Rate" shall have the same  meaning as given it in the
Note.

            1.3 "Event of Default"  means any event  described in Section 11  of
this Mortgage.

            1.4 "Impositions" means all taxes,  assessments (including,  without
limitation,  all assessments for public improvements or benefits, whether or not
commenced  or  completed  prior  to the date  hereof  and  whether  or not to be
completed while this Mortgage remains in effect),  ground rents, water, sewer or
other rents,  rates and charges,  excises,  levies,  license fees, sales, use or
privilege  taxes or  license  fees,  permit  fees,  inspection  fees  and  other
authorization  fees and other charges (other than any income,  excess profits or
franchise  taxes of Borrower  determined  on the basis of its general  income or
revenues),  in each case whether general or special,  ordinary or extraordinary,
or foreseen or  unforeseen,  of every  character  (including  all  penalties  or
interest  thereon),  which at any time while this Mortgage remains in effect may
be assessed,  levied, confirmed or imposed on or in respect of or be a lien upon
(a) the  Mortgaged  Property  or any part  thereof  or any rent or other  income
therefrom or any estate, right or interest therein, or (b) any occupancy, use or
possession of the Mortgaged Property or any part thereof.

            1.5 "Insurance  Requirements"  means all provisions of any insurance
policy covering or applicable to the Mortgaged Property or any part thereof, all
requirements  of  the  issuer  of  any  such  policy,  and  all  orders,  rules,
regulations and other  requirements  of the National Board of Fire  Underwriters
(or any other body exercising similar functions)  applicable to or affecting the
Mortgaged  Property or any part thereof or any use or condition of the Mortgaged
Property or any part thereof.

                                      -3-
<PAGE>

            1.6 "Legal  Requirements"  means all laws,  statutes,  codes,  acts,
ordinances,   orders,  judgments,  decrees,  injunctions,   rules,  regulations,
permits,  licenses,  authorizations,  directions and requirements of any and all
governments,  departments,  commissions, boards, courts, authorities,  agencies,
officials   and  officers,   whether   foreseen  or   unforeseen,   ordinary  or
extraordinary,  which  now or at any time  hereafter  may be  applicable  to the
Mortgaged  Property  or any part  thereof,  or any of the  adjoining  sidewalks,
curbs,  vaults and vault space, if any, streets or ways, or any use or condition
of the Mortgaged Property or any part thereof.

            1.7  "Mortgaged  Property"  means  all of the  property  and  rights
described in the granting clauses of this Mortgage.

            1.8 "Permitted  Encumbrances" means only the charges,  encumbrances,
easements,   reservations,   restrictions,   encroachments,  and  other  defects
affecting  the Mortgaged  Property on the date of this Mortgage  which have been
approved by the Bank and allowed pursuant to the terms of the Loan Agreement.

            1.9 "Real  Property"  means those  certain  parcels of real property
owned by Borrower,  located in Lexington,  Fayette  County,  Kentucky,  and more
particularly described on Exhibit "A" attached hereto and made a part hereof.

            1.10 "Taking"  means (a) any taking while this  Mortgage  remains in
effect of any  interest  in any of the  Mortgaged  Property as the result of the
exercise  of the power of  condemnation  or eminent  domain,  or (b) any sale or
other transfer of any such interest, which may be made by Borrower only with the
prior written consent of Bank, in lieu of the impending exercise of the power of
condemnation or eminent domain, to any person legally empowered to exercise such
power, or (c) a change of grade affecting the Real Property or any part thereof

            1.11  "Total  Taking"  has the  meaning  set forth in  Section  10.6
hereof.

      2.  Warranties.  (a) Borrower  warrants and represents to Bank that it has
taken all  action  necessary  (i) to make the  Secured  Obligations  the  valid,
binding and legal  obligation  of Borrower,  (ii) to make this Mortgage a valid,
binding and legal  instrument  for the  security of the Secured  Obligations  in
accordance with their respective  terms,  and (iii) to authorize,  in accordance
with all applicable requirements, the execution and delivery of this Mortgage.

      (b) Borrower  further warrants and represents to the Bank that at the time
of the  execution  and delivery of this  Mortgage  and at all times  thereafter,
Borrower has and shall have good and  marketable  fee simple title to all of the
Mortgaged Property, subject only to the Permitted Encumbrances,  and is lawfully
and  indefeasibly  seized of the entire estate and property  hereby conveyed and
has full right and power to grant,  convey and  mortgage  all of the same to the
Bank.

                                      -4-
<PAGE>

      (c) Borrower  warrants  generally,  and with covenants of general warranty
and against encumbrances other than the Permitted Encumbrances, and shall defend
the title to the  Mortgaged  Property to the Bank against all claims and demands
whatsoever by any person or entity, at law, in equity or otherwise.

      3. Further Assurances.  Borrower, at its expense, shall deliver and record
and cause to be delivered  and recorded all such further  assurances as the Bank
shall require to assure and confirm the  Mortgaged  Property as security for the
Secured  Obligations,  and  Borrower  shall  execute and deliver to the Bank all
mortgages,  assignments,  and  the  like  as may be  requested  by the  Bank  in
connection  therewith,  and  Borrower  will pay all filing and  recording  fees,
taxes, charges and the like in connection therewith.

      4.  Payment.  Borrower  shall pay all  amounts due or to become due on the
Secured  Obligations  at the dates and place and in the manner  provided  in the
documents and instruments evidencing the Secured Obligations.

      5.  Payment of  Impositions.  Subject to the terms of Section  8.2 hereof,
Borrower  will  duly  and  punctually  pay or  cause  to be  paid  in  full  all
Impositions before any fine, penalty,  interest or cost may be added thereto for
non-payment thereof,  even if any such Imposition may otherwise at the option of
Borrower be paid in  installments.  Borrower will furnish to the Bank,  promptly
upon the Bank's request,  official receipts for, or other satisfactory  evidence
of, payment of all Impositions in accordance with the terms hereof

      6.  Maintenance and Repair.  Borrower shall cause the  construction of any
Improvements  and related site work to be  performed  in a good and  workmanlike
manner in  accordance  with  plans and  specifications  approved  by the Bank in
writing prior to the commencement of any such improvement and in all respects in
compliance  with  all  applicable  laws,   rules,   permits,   requirements  and
regulations  of any  governmental  agency  or  authority  having  or  exercising
jurisdiction over the Mortgaged Property or such improvements.

      7. Sale of Mortgaged Property by Borrower.  Any conveyance of the whole or
any part of, or interest in, the Mortgaged Property,  whether by deed, contract,
or otherwise, or lease of the same or in the event of any transfer or conveyance
of an ownership interest in Borrower,  without the Bank's prior written consent,
shall be  deemed to  increase  the risk of the Bank,  and Bank may  declare  the
entire  unpaid  balance of the Secured  Obligations  to be  immediately  due and
payable.  The  execution  and  delivery  by the  Borrower  of any joint  venture
agreement,  partnership  agreement,  declaration of trust,  option  agreement or
other  instrument  under  which  any  other  person or  corporation  may  become
entitled,  directly  or  indirectly,  to  the  possession  or  enjoyment  of the
Mortgaged  Property,  or the income or other  benefits  derived or to be derived
therefrom,  shall in each case be deemed to be a conveyance or assignment of the
Borrower's  interest in the Mortgaged Property for the purposes of this Section,
and shall require the prior written consent of the Bank.

                                      -5-
<PAGE>

      8. Compliance with Legal and Insurance Requirements.

            8.1 Proper Compliance.  Subject to Section 8.2 hereof,  Borrower, at
its expense,  shall promptly and timely comply with all Legal  Requirements  and
Insurance  Requirements,  whether  or not  compliance  therewith  shall  require
structural  changes in any of the  Improvements  or  interfere  with the use and
enjoyment of any of the  Mortgaged  Property,  and shall  procure,  maintain and
comply with all permits,  licenses and other authorizations required for any use
of the Mortgaged  Property or any part thereof as  contemplated or as then being
made, and for the proper  erection,  installation,  operation and maintenance of
any Improvements, whether now or in the future.

            8.2 Permitted Contests.  Borrower,  at its expense,  may contest, or
cause to be contested,  by appropriate legal or other  proceedings  conducted in
good faith and in a timely fashion, the amount, validity and/or application,  in
whole or in part, of any Imposition or Legal Requirement.

      9. Liens and Restrictions

            9.2  Restrictions.  Borrower  covenants and agrees that it shall not
enter  into,  impose  upon or grant any  covenants,  restrictions  or  easements
relating to the  Mortgaged  Property or any  portion  thereof  without the prior
written consent of the Bank,  which consent shall not be unreasonably  withheld.
In any event all such covenants, restrictions and easements shall be subordinate
to the lien in favor of the Bank created hereby.  Borrower further covenants and
agrees not to  subdivide  or record any plat or commit to any  development  plan
relating to the  Mortgaged  Property or any portion  thereof,  without the prior
written consent of the Bank, or amend or modify any existing plat or development
plan without the prior written consent of the Bank.

      10. Insurance.

            10.1 Risks to be Insured.  Borrower, at its expense,  shall maintain
with insurers  approved by the Bank (a) builder's risk insurance,  (b) insurance
with  respect  to any  completed  Improvements  against  loss or damage by fire,
earthquake,  and  casualty  and  against  such other  risks as are  included  in
coverage of the type now known as extended  coverage,  in amounts  sufficient to
prevent  Borrower or the Bank from  becoming  co-insurers  under the  applicable
policies,  and in any event in an  amount  equal to the full  replacement  value
thereof,  and in no event less than  $6,000,000.00,  (c)  comprehensive  general
public liability insurance against claims for personal

                                      -6-
<PAGE>

injury,  death or  property  damage,  occurring  on, in or about  the  Mortgaged
Property or relating in any way to the Mortgaged Property, with combined, single
limits of not less than  $1,000,000.00  in  respect of any one  occurrence,  (d)
where  required by law,  appropriate  worker's  compensation  insurance or other
insurance  against liability arising from the claim of workers in respect of any
work on or about  the  Mortgaged  Property  and (e) such  other  insurance  with
respect to the Mortgaged  Property,  in such amounts and against such  insurable
hazards as the Bank from time to time may require in its  discretion  by written
notice to Borrower.

            10.2  Policy  Provisions.   All  insurance  maintained  by  Borrower
pursuant  to Section  10.1  hereof,  (a) shall name the Bank as insured and loss
payee as its  interest may appear,  (b) shall  provide that the proceeds for all
losses, except in the case of public liability insurance, be payable to the Bank
for  application  as  provided  in this  Mortgage,  (c)  shall  provide  that no
cancellation,  reduction  in amount,  amendment  or change in  coverage or terms
thereof shall be effective  until at least thirty (30) days after receipt by the
Bank of written notice thereof from the insurer,  and (d) shall be  satisfactory
in all other respects to the Bank.  All such  insurance may be maintained  under
blanket  policies  carried by Borrower and covering the  Mortgaged  Property and
other  property or assets  owned by Borrower and not subject to the lien of this
Mortgage,  provided that any such policy shall provide that the full face amount
(or sub-limit)  thereof shall be applicable to the Mortgaged Property and shall,
in all other  respects,  comply with all the  requirements  of Sections 10.1 and
10.2 hereof.

            10.3  Delivery  of  Policies  and Other  Provisions.  Borrower  will
deliver to the Bank the  original or  certified  copies of all  policies and all
renewals (at least thirty (30) days prior to the  expiration  date of the policy
being renewed)  evidencing all insurance required to be maintained under Section
10.1 hereof and, if required by any supervisory  authority  having  jurisdiction
over the Bank, the originals of all policies evidencing such insurance, together
with proof of payment of all  premiums  therefor  for at least six (6) months in
advance from the issue date or renewal date thereof,  as the case may be. In the
event  Borrower  shall fail to effect or maintain any  insurance  required to be
effected  or  maintained  pursuant to  the  provisions  of Section 10.1 and 10.2
hereof, and in addition to constituting an Event of Default hereunder,  Borrower
will  indemnify the Bank against  damage,  loss or liability  resulting from all
risks  against  which such  insurance  should have been  effected or  maintained
pursuant to the terms of this Mortgage.

            10.4  Notice  of  Damage,  Destruction  or  Taking.  In  case of any
material damage to or destruction of the Mortgaged Property, any Improvements or
any part thereof, or in case of any Taking, Borrower shall promptly give written
notice thereof to the Bank. In case of any Taking or any damage or  destruction,
Borrower  and the Bank may appear in such  proceedings  or  negotiations  and be
represented  by their  respective  counsel for the purpose of  protecting  their
respective  interests  hereunder,  and  Borrower  will pay all  costs,  fees and
expenses  incurred by the Bank in connection  with any Taking or any such damage
or  destruction  and in seeking  and  obtaining  any award or payment on account
thereof, including but not limited to the Bank's attorneys' fees and appraiser's
fees and court costs.  All awards and payments on account of any partial  Taking
(less the actual costs,  fees and expenses  incurred in the collection  thereof,
for which the person incurring same shall

                                       -7-
<PAGE>

be  reimbursed  from such  award and  payment)  shall be payable to the Bank for
application to the Secured  Obligations in such order and in such amounts as the
Bank shall  determine  in the  exercise of its sole  discretion.  In case of any
damage to or  destruction  of the Mortgaged  Property or any part thereof,  Bank
shall make the net amount of all  insurance  proceeds  actually  received by the
Bank available for the restoration of the improvements  affected by such loss or
damage, subject to the following conditions:

            (i) No Event of Default hereunder shall then be in existence;

            (ii) The Bank  shall  first be given  satisfactory  proof  that such
Improvements  have been fully  restored as nearly as  practicable to the general
utility thereof prior to such damage or  destruction,  or that by application of
such  proceeds  they will be so fully  restored,  free and  clear of all  liens,
except the Permitted Encumbrances and this Mortgage, and the Improvements can be
fully  reconstructed  and  completed  within a reasonable  time as determined by
Bank;

            (iii)  If  such  proceeds  shall  be  insufficient  to  restore  the
Improvements  fully,  Borrower  shall  furnish  and deposit  with Bank  security
satisfactory  to the Bank in its sole  discretion  to assure  that funds will be
available when required for such purpose;

            (iv) If Borrower  shall fail within a reasonable  time so to restore
the Improvements, the Bank, at its sole option, (a) may restore the Improvements
with such proceeds and awards for and on behalf of Borrower,  and may do any act
or thing as agent of Borrowers  necessary or appropriate to that end, or (b) may
apply such proceeds to the payment of the Secured  Obligations  in such order as
the Bank may elect, in its sole discretion;

            (v) Bank shall hold the proceeds in escrow and disburse the funds in
accordance with a construction draw schedule  acceptable to Bank, subject to (a)
Bank's  approval of the plans,  specifications  and contracts for such repair or
restoration,  and there being  sufficient  funds for such repair or restoration,
(b) receipt of evidence  reasonably  satisfactory to Bank that the amounts to be
disbursed are due and owing for work  performed for such repair or  restoration,
(c) receipt of paid invoices and lien waivers  satisfactory  to Bank for amounts
then to be paid; and (d) such other conditions as may be established by the Bank
from time to time; and

            (vi) The excess of insurance  proceeds over the amount  necessary to
complete  restoration of the affected  Improvements  as nearly as practicable to
their general value and utility prior to the damage or destruction thereof shall
be applied by the Bank, at its sole option, to the Secured Obligations,  in such
order as the Bank may elect in its sole discretion.

      In the event any of the above  conditions are not satisfied or if Borrower
elects not to repair such damage or restore such Improvements, and the Bank does
not elect to restore the  Improvements,  all such  insurance  proceeds  shall be
applied at Bank's sole option to the Secured  Obligations  in such order as Bank
may elect in its sole discretion.

                                      -8-
<PAGE>

            10.5  Restoration.  In case of any material damage to or destruction
of the Mortgaged  Property or any part  thereof,  or in case of any Taking other
than a Total  Taking,  Borrower,  at its sole cost and  expense,  will  commence
promptly and complete or will cause the prompt  commencement  and completion of,
with due  diligence,  whether or not the  insurance  proceeds for such damage or
destruction  or the award for such Taking shall be sufficient  for such purpose,
the  replacement,  repair or restoration of the Mortgaged  Property as nearly as
practicable to the value and general utility thereof  immediately  prior to such
damage, destruction or Taking.

            10.6 Total  Taking.  In case of (a) a Taking of all of the Mortgaged
Property,  or (b) a Taking of less than all of the Mortgaged  Property which, in
the good faith judgment of Borrower,  renders  uneconomical for business use the
portion of such Mortgaged Property remaining after such Taking, even if it would
be restored  pursuant to Section  10.5  hereof  (any such  Taking  being  herein
referred to as a "Total Taking"),  or in any other instance where Borrower shall
not commence and diligently pursue  restoration of the Mortgaged Property or any
Improvements after a Taking or any damage or destruction,  then Borrower, within
sixty (60) days after such Total Taking, Taking or damage or destruction, as the
case may be,  Bank will  apply any  proceeds  that  either  would  otherwise  be
entitled to retain or obtain to the  prepayment  of the Secured  Obligations  in
such order as the Bank may elect in its sole discretion.

            10.7  Application of Proceeds  After  Default.  If and so long as an
Event of Default shall have occurred and be continuing  hereunder,  the Bank may
hold all net awards payable on account of any Taking and all insurance  proceeds
on account  of any  damage to or  destruction  of any  portion of the  Mortgaged
Property as part of the  Mortgaged  Property and may, at its sole option,  apply
the same to the Secured  Obligations  in such order as the Bank may elect in its
sole discretion.

            10.8 Security Interest.  Borrower hereby grants the Bank a first and
prior  security  interest  in and lien on all funds at any time held by the Bank
pursuant to this Section 10 to secure the Secured Obligations.

      11.  Defaults.  Each of the following events shall constitute an "Event of
Default" under this Mortgage:

      (a) If any  installment  of  interest or  principal  under the Note or any
other Secured  Obligation is not paid in full when the same shall become due and
payable and such failure continues beyond any applicable grace period;

      (b) The  Borrower  shall fail to observe or perform any one or more of the
other terms, covenants or other obligations on the part of Borrower set forth in
this  Mortgage and such default  (excluding  defaults  relating to the covenants
contained in Sections 7 and 10.1  hereof,  for which there shall be no notice or
cure  period) is not fully cured  within  fifteen (15) days after Bank has given
written notice thereof to Borrower.

                                      -9-
<PAGE>

      (c) Any representation or warranty of Borrower set forth in this Mortgage,
or any document executed in connection with the Loan shall prove to be incorrect
or misleading in any material respect.

      (d) Any "Event of Default"  under the Loan  Agreement  or any of the other
Loan Documents.

      12. Remedies Upon an Event of Default.  If any Event of Default shall have
occurred and be continuing,  then, at the Bank's sole election, (a) the Bank may
proceed  to protect  and  enforce  its rights by an action at law,  in equity or
other  appropriate  proceeding,  whether  for the  specific  performance  of any
agreement contained herein, or for an injunction against the violation of any of
the terms,  conditions  or provisions  hereof,  or in aid of the exercise of any
power  granted  hereby  or by law,  (b) the Bank may at any time or from time to
time  proceed at law or in equity or  otherwise to enforce the lien and security
interest of this Mortgage as against all or any part of the Mortgaged  Property,
as the Bank may elect in the exercise of its sole  discretion,  (c) the Bank may
declare the entire  amount of the Note or other Secured  Obligations  (or any of
them) and all interest thereon, or, at its option, any part of the foregoing, to
be  accelerated  and  immediately  due and payable,  without  further  demand or
notice,  and/or (d) the Bank may pursue all other rights and remedies  available
to Bank  hereunder or at law or in equity.  The Bank shall also be entitled as a
matter of right, to the extent  permitted by law, without regard to the adequacy
of  the  security  for  the  Note  and  other  Indebtedness,  to  the  immediate
appointment  of a receiver for the Mortgaged  Property and of the rents thereof,
by a court with proper  jurisdiction  with all such other powers as the court(s)
making such  appointment  shall  confer,  and the Bank,  or any of its agents or
employees,  may serve as such  receiver.  Borrower shall deliver to the receiver
appointed,  or the Bank if it takes possession of the Mortgaged  Property or any
part thereof,  all original plans and specifications for the Mortgaged Property,
records, books, security deposits,  leases,  agreements, and all other materials
whatsoever  relating to the construction or operation of the Mortgaged Property.
All remedies  hereunder shall be cumulative to the greatest extent  permitted by
law. If any Event of Default  hereunder  shall occur,  Borrower  will pay to the
Bank such further  amount as shall be sufficient to reimburse the Bank fully for
all costs and expenses of collection of the Secured  Obligations and enforcement
of any  security  for the Secured  Obligations,  including  without  limitation,
Bank's fees and expenses for enforcing  this  Mortgage or any rights  hereunder,
its reasonable attorneys', accountants' and appraisers' fees and expenses, court
costs,  and  any  taxes,  and  fees or  governmental  charges  incident  to such
enforcement of rights and collection.

      13. Right of Bank to Perform Borrower's Covenants.  If Borrower shall fail
to make any payment or perform any act  required to be made or  performed  by it
hereunder, including, but without limitation, the payment of all Impositions and
premiums for insurance referred to herein, the Bank, upon five (5) business days
prior written  notice to Borrower (or without notice in the event of a situation
which,  in Bank's  sole  discretion,  requires  immediate  action),  and without
waiving or releasing  any  obligation of Borrower or curing any default or Event
of  Default  hereunder,  may (but shall be under no  obligation  to) at any time
thereafter  make such  payment or perform  such act for the  account  and at the
expense of Borrower and may enter upon any or all of the Mortgaged Property

                                      -10-
<PAGE>

and take all such  actions as, in the Bank's sole  opinion,  may be necessary or
appropriate  therefor or in connection  therewith to protect the Bank's interest
in the Mortgaged  Property.  No such entry and no such action shall be deemed an
eviction of  Borrower.  All sums so paid by the Bank and all costs and  expenses
(including,  without limitation, its reasonable attorneys' fees and expenses) so
incurred by the Bank,  together  with  interest  thereon at the Default Rate set
forth in the Note from the date of payment by the Bank, shall be secured by this
Mortgage,  and shall be paid by Borrower  to the Bank on demand.  The Bank shall
not be liable to Borrower  for or as a result of any actions  taken or not taken
pursuant to the terms of this Section 13.

      14.  Waivers  and  Modifications.  The  Bank may (i)  extend  the time for
payment of the Note (or any of them) or Secured Obligations, (or any of them) or
any part thereof,  or any interest thereon,  (ii) waive,  modify or amend any of
the terms,  covenants or conditions contained in any loan document,  in whole or
in part,  at the request of Borrower or of any person  having an interest in the
Mortgaged  Property  or any part  thereof,  (iii)  accept  one or more  Notes in
replacement  or  substitution  of the Note,  (iv) release  and/or consent to the
release  of all or any  part of the  Mortgaged  Property  from  the lien of this
Mortgage,  (v) take or release other security,  (vi) release any party primarily
or secondarily  liable on the Secured  Obligations or hereunder or on such other
security,  (vii) grant  extensions,  renewals or indulgences  therein or herein,
(viii)  apply to the  payment  of the  principal  and  interest  of the  Secured
Obligations  any part or all of the  proceeds  obtained by sale or  otherwise as
provided  herein,  without resort or regard to other security,  or resort to any
one or more of the  securities or remedies  which the Bank may have and which in
its absolute  discretion it may pursue for the payment of all or any part of the
Secured Obligations,  in such order and in such manner as it may determine,  all
without in any way  releasing  Borrower or any party  primarily  or  secondarily
liable from any of the terms,  covenants or conditions of this Mortgage,  or any
other document, and without releasing the unreleased Mortgaged Property from the
lien of this Mortgage. None of the foregoing waivers,  consents or modifications
shall be effective unless in writing signed by Bank, and, in any event, shall be
strictly construed.

      15.  Notices,  Demands  and  Requests.  All  notices,  demands or requests
provided  for or permitted  to be given  pursuant  hereto must be in writing and
shall be deemed  to have been  properly  given or  served by  depositing  in the
United  States  Mail,  postpaid  and  registered  or  certified  return  receipt
requested,  or delivered to a national  overnight  carrier,  delivered  the next
business day, and addressed to the addresses below:

      If to Bank:       Community Trust Bank, Inc.
                        Attn: Manager, Commercial Loan Department
                        120 South Main Street
                        Winchester, Kentucky 40392

      If to Borrower:   Robcor, LLC
                        Attn: Mike Heitz 3505
                        Castlegate Court
                        Lexington, Kentucky 40502

                                      -11-
<PAGE>

All notices, demands and requests shall be effective upon being deposited in the
United States Mail or with the overnight carrier in accordance herewith.

      16.  Applicable  Law. The Note and this Mortgage  shall be governed by and
construed in accordance with the laws of the Commonwealth of Kentucky.

      17. Successors and Assigns. The terms and conditions agreed to by Borrower
and the  covenants  of  Borrower  herein  shall be  binding  upon  the  personal
representatives, successors and assigns of Borrower.

      18.  Miscellaneous.  Whenever  used herein the singular  shall include the
plural and the plural the  singular.  The use herein of any gender shall include
all genders. The Section headings used herein are for convenience only and shall
not be deemed to  restrict  or modify the terms and  provisions  of any  Section
hereof  All  Exhibits  to  this  Mortgage  are  incorporated  herein  in full by
reference above the signature of Borrower to this Mortgage.

      19. Time of Essence.  Time shall be of the essence in the  performance  of
all Borrower's covenants and agreements set forth in this Mortgage.

      20.  Severability.  The invalidity or unenforceability of any provision of
this  Mortgage  in general  or in or to any  particular  circumstance  shall not
affect the validity or enforceability of any one or more of the other provisions
of this  Mortgage  or the  validity  of such  provision  as applied to any other
circumstance.  The parties  agree that this  Mortgage and all of the  provisions
hereof  shall be  interpreted  so as to give  effect and  validity to all of the
provisions hereof to the fullest extent permitted by law.

      IN WITNESS WHEREOF,  Borrower has caused this Mortgage to be duly executed
on its behalf as of the day, month and year first above written.

                               ROBCOR, LLC, a Kentucky limited liability company

                               BY:
                                   ---------------------------------------------
                                   MIKE HEITZ, Member

                               BY:
                                   ---------------------------------------------
                                   VIOLA HEITZ, Member

                                       ("Borrower")

                                      -12-
<PAGE>

COMMONWEALTH OF KENTUCKY        )
                                ) SS:
COUNTY OF FAYETTE               )

      The  foregoing  instrument  was  acknowledged  before  me this 28th day of
January,  2004 by Mike Heitz and Viola Heitz,  as the members of Robcor,  LLC, a
Kentucky limited liability company, on behalf of the limited liability company.

      My commission expires: _________________________________________.

                                        ------------------------------------
                                        NOTARY PUBLIC, KENTUCKY,
                                        STATE AT LARGE

THIS INSTRUMENT PREPARED BY:

------------------------------------
GLENN A. HOSKINS
GLENN A. HOSKINS, P.S.C.
1077 Eastland Drive
Lexington, Kentucky 40505
(859) 231-1077
GAH/040358gh

                                      -13-
<PAGE>

                                   EXHIBIT "A"

            Being all of  parcels  2-A and 3-A of Tract "C" Blue Sky
            Industrial Estate Subdivision,  as shown by plat thereof
            of  record  in Plat  Book 25,  Page 37,  Fayette  County
            Clerk's Office,  as further reflected on a Consolidation
            Record  Plat of a portion  of said  Blue Sky  Industrial
            Estates  Tract  "C",  dated  August 30,  1974,  said two
            tracts  containing in the aggregate 3.996 acres of land;
            being  further  described as all of Lots AA, BB, CC, DD,
            EE,  FF,  GG, HH, II, JJ, KK, and LL as shown by amended
            record plat of a portion of Blue Sky Industrial Estates,
            Tract "C",  Parcels  2-A & 3-A,  appearing  of record in
            Plat  Cabinet B, Slide 453  (erroneously  referred to in
            chain of title as Plat  Cabinet  B, Slide 435 and in the
            previous  deed as Plat  Cabinet  B, Slide  354),  in the
            aforesaid clerk's office.

            BEING the same  property  conveyed  to  Robcor.  LLC,  a
            Kentucky limited liability company, by BFI Waste Systems
            of North America, Inc., a Delaware corporation,  through
            deed dated March 20, 2003,  of record in Deed Book 2350,
            Page 508, in the Fayette County Clerk's Office.

GAH/040359gh

<PAGE>

                                 LOAN AGREEMENT

      THIS LOAN AGREEMENT (herein this "Loan  Agreement") is made,  entered into
and  effective as of the 28th day of January,  2004,  by and among (i) COMMUNITY
TRUST BANK,  INC., a Kentucky banking  corporation,  having a mailing address of
120 South Main Street, Winchester, Kentucky 40391 (the "Bank") (ii) ROBCOR, LLC,
a Kentucky limited liability company,  with a mailing address of 3505 Castlegate
Court,  Lexington,  Kentucky  40502 (the  "Borrower"),  and (iii) MIKE HEITZ and
VIOLA HEITZ both  individual  residents of Kentucky,  with a mailing  address of
3505   Castlegate   Court,   Lexington,   Kentucky  40502   (collectively,   the
"Guarantors", whether one or more).

                                R E C I T A L S:

      A.  Borrower  desires to obtain  from the Bank a term loan in the  maximum
principal  amount of $410,700.00  (the "Loan") to refinance  certain  commercial
property  located in Lexington,  Fayette County,  Kentucky,  which is more fully
described on Exhibit A,  attached  hereto and  incorporated  herein by reference
(referred to herein collectively as the "Property").

      B. The Bank  desires to grant to the  Borrower the Loan upon the terms and
conditions set forth or referred to herein.

      C. In order to induce the Bank to enter into this Loan Agreement,  without
which  inducement  the Bank would be  unwilling  to take the  actions  described
herein,  and in  consideration  of the benefits it will receive  therefrom,  the
Guarantor is willing and desires to unconditionally  guaranty all obligations of
the Borrower and to make the agreements set forth or referred to herein.

      NOW, THEREFORE,  in consideration of the Recitals and the mutual covenants
and agreements  set forth herein and for other good and valuable  consideration,
the  receipt  of which is  hereby  acknowledged,  the  parties  hereby  agree as
follows:

1.    Definitions.  The following terms shall have the meanings set forth below.
      Other terms used herein are defined elsewhere in this Loan Agreement.

      a.    "Bank"  means  Community  Trust  Bank,   N.A.,  a  national  banking
            association, or any successor holder of the Note.

      b.    "Borrower" means Robcor, LLC, a Kentucky limited liability company.

      c.    "Borrowing  Rate"  means the Prime Rate in effect  from time to time
            plus one-quarter of one percent (0.25%),  calculated on the basis of
            an  assumed  360-day  year for the  actual  number of days  elapsed;
            provided that during the term of the Loan,  the Borrowing Rate shall
            be no  greater  than 6.25% per annum  calculated  on the basis of an
            assumed 360-day year for the actual number of days elapsed.
<PAGE>

      d.    "Business  Days"  means  all  calendar  days  excluding   Saturdays,
            Sundays,  legal  holidays of the United States  Government and other
            days on which the Bank is not open for the  regular  conduct  of its
            business.

      e.    "Closing"  means the date on which the  disbursement of the proceeds
            of the Loan occurs,  unless  otherwise agreed in writing by the Bank
            and Borrower.

      f.    "Closing Fees" means all amounts necessary to pay all costs, charges
            and expenses  incurred by Bank or Borrower in connection with making
            the Loan, including, but not limited to, title search charges, title
            insurance  premiums,  tax and lien search  charges,  recording fees,
            escrow fees, appraisal fees, inspection and cost analysis fees, real
            property taxes and assessments, permit fees, deposits for utilities,
            brokers' fees, insurance premiums,  survey and engineering fees, and
            attorneys fees and expenses.

      g.    "Event of Default"  means the  occurrence or happening of any one of
            the matters set forth in Section 8 hereof.

      h.    "Improvements"  means the  commercial  properties  described  in the
            Recitals  and  all  other  site  improvements   located  within  the
            Property, and all other buildings, structures,  utilities, signs and
            fixtures now or hereafter located on the Property.

      i.    "Indebtedness" means the Note and also all other indebtedness and/or
            other  obligations  of the  Borrower  to  the  Bank  of  any  nature
            whatsoever,  whether debt,  lease,  contract or  otherwise,  whether
            joint,  several or joint and several,  and whether  represented by a
            note or other  instrument,  or otherwise,  now existing or hereafter
            acquired or arising  either  directly or indirectly by assignment or
            otherwise or pursuant to a guaranty.

      j.    "Guarantors"  means  Mike  Heitz and Viola  Heitz,  both  individual
            residents of Kentucky.

      k.    "Loan Documents"  means this Loan Agreement,  the Note, the Security
            Instruments  and all  other  instruments,  documents  or  agreements
            related to any of the  foregoing.  Any reference  herein to the Loan
            Documents  or  any  particular  Loan  Document  shall  be  deemed  a
            reference to such Loan Document or Loan Documents as the same may be
            amended or modified from time to time by the parties thereto.

      l.    "Loan" shall have the meaning set out in Recital A.

      m.    "Note" shall have the meaning set out in Section 2.

      n.    "Person"  or  "party"  means any  individual,  sole  proprietorship,
            partnership,   joint  venture,  trust,  limited  liability  company,
            unincorporated organization, association,

                                       2
<PAGE>

            corporation, other entity or group, institution, party or government
            (whether federal, state, county, city, municipal or other) or agency
            or division thereof.

      o.    "Possible Default" means an event,  condition,  or thing which, with
            the lapse of any applicable grace period or the giving of notice, or
            both, would constitute an Event of Default.

      p.    "Prime  Rate"  means at any time the  interest  rate per annum  most
            recently quoted or the highest of any range quoted from time to time
            by The Wall Street Journal  ("WSJ") as the "Prime Rate" or base rate
            on corporate  loans in effect at large U.S. money center  commercial
            banks.  In the event the WSJ ceases to  publish a "Prime  Rate," the
            "Prime Rate" shall be the interest  rate  designated  and  announced
            from time to time by the Bank as its  "Prime  Rate" in effect at its
            principal  office,  although  such rate may not be the  lowest  rate
            available at that particular time on loans of a similar nature.

      q.    "Property"  means the real  property,  Improvements  and all  rights
            appurtenant  thereto  described  on  Exhibit A  attached  hereto and
            incorporated herein by this reference.

      r.    "Security  Instruments"  means  all of the  instruments  and  rights
            securing  the  Indebtedness  as  referred to in Section 4 hereof and
            otherwise.

      s.    Except as  otherwise  provided  herein,  all  accounting  terms used
            herein  shall be  defined  in  accordance  with  generally  accepted
            accounting principles.

      t.    As used  herein,  any gender  includes  all other  genders,  and the
            singular includes the plural and the plural includes the singular.

2.    Amount.  The Bank  hereby  agrees to make the Loan to the  Borrower in the
      maximum  total amount of  $410,700.00,  which shall be disbursed  upon the
      execution of this Loan  Agreement and the  fulfillment  of all  conditions
      precedent  set  forth  herein  or  established  by the Bank at the time of
      execution of this Loan Agreement to be used to refinance the Property. The
      Loan is evidenced by, shall bear interest at the rate  established in, and
      shall be payable and  otherwise be made on the terms set forth in the Term
      Note in the face principal  amount of $410,700.00  made by Borrower to the
      order of the Bank, executed  contemporaneously  herewith, as such Note may
      hereafter be amended,  modified,  extended or renewed (herein the "Note"),
      and on the terms  established in this Loan Agreement.  All payments on the
      Note  shall be made to the  holder  of the Note in  immediately  available
      funds.

3.    Term. The maturity date of the Note (herein the "Maturity Date"), at which
      time all  principal  and accrued but unpaid  interest on the Note shall be
      due and payable, unless earlier payable pursuant to the terms of this Loan
      Agreement or  otherwise,  is January 28, 2009.  The Note may be prepaid at
      any time without premium or penalty.

                                       3
<PAGE>

4.    Security for the Indebtedness. The Indebtedness,  including that evidenced
      by the Note,  is and shall be secured by and  entitled to the  benefits of
      all the following:

      a.    Mortgage. The Mortgage (herein the "Mortgage") of even date herewith
            from the Borrower  granting to Bank a first and superior lien on the
            Property  and  all  Improvements   located  thereon  to  secure  the
            Indebtedness.

      b.    Right of  Offset.  The  right of offset  specified  in  Section  9c.
            hereof.

      c.    Security  Agreement.  The Security  Agreement  (herein the "Security
            Agreement")  of even date  herewith  from the  Borrower  to the Bank
            granting the Bank a first and prior  security  interest in all items
            of Borrower's  furniture,  fixtures,  and equipment to be located on
            the Property, as more fully described therein.

      d.    Guaranty.  The unconditional  guaranty of the Guarantor as set forth
            herein,   in  the   Note   and  by   separate   agreement   executed
            contemporaneously therewith.

      d.    Financing  Statement and Fixture Filing. The Financing  Statement(s)
            and Fixture Filing(s)  executed and delivered by the Borrower to the
            Bank contemporaneously with the execution of this Loan Agreement.

      e.    Assignment  of Leases and Rents.  That certain  Assignment of Leases
            and Rents,  covering  the Property  and  Improvements,  of even date
            herewith,  whereby all leases,  rents and profits  from the Property
            and Improvements are assigned to the Bank.

      f.    Other Security.  Other security and instruments,  if any, granted by
            Borrower or any other person or entity to Bank, whether of even date
            herewith or hereafter or heretofore  so granted,  to secure the Note
            or any other Indebtedness.

5.    Conditions  Precedent.  The Bank's  obligations under this Loan Agreement,
      shall be subject to the fulfillment to Bank's  satisfaction prior to or at
      the Closing of each of the  following  Conditions  Precedent  ("Conditions
      Precedent") unless such condition or conditions shall be waived by Bank in
      writing, in the sole discretion of the Bank:

      a.    Resolutions  and  Approvals.  The Borrower  shall furnish  certified
            copies of all consents, resolutions and approvals as may be required
            by the  Bank,  evidencing  approval  of the  execution  of the  Loan
            Documents and the performance of all obligations  contained  therein
            all in form and substance acceptable to the Bank. The Borrower shall
            also furnish copies of the Borrower's Certificates of Existence from
            the State of Kentucky Secretary of State's Office, recorded Articles
            of Organization, and Operating Agreement.

      b.    Legal  Opinion.  The Bank shall have  received a  favorable  written
            opinion of  Borrower's  counsel  acceptable  to the Bank,  dated and
            effective as of the Closing,  addressed  to the Bank  rendering  the
            opinions required by the Bank, with only

                                       4
<PAGE>

            such  modifications,  exceptions,  assumptions and qualifications as
            shall be acceptable to the Bank.

      c.    Loan Documents.  All the Loan Documents, and such other documents or
            instruments as the Bank may reasonably require, shall have been duly
            executed  and  delivered,  and  those  instruments  required  to  be
            recorded in any public office are properly recorded.

      d.    Representations,  Warranties and Covenants.  All representations and
            warranties  of the  Borrower  contained  herein  shall  be true  and
            correct  and  Borrower  shall be in  compliance  with all  covenants
            contained in this Loan Agreement.

      e.    Title Insurance.  A mortgagee title insurance  policy  (hereinbefore
            described as the "Title  Policy") from a title company  satisfactory
            to the Bank, in a form and with such endorsements as are required by
            the Bank,  showing the Mortgage as a first  priority lien on 100% of
            fee simple interest in the Property  subject only to such exceptions
            as the Bank may approve in its sole discretion.

      f.    Survey.  A current  property survey revealing no adverse matters not
            acceptable  to  the  Bank,  certified  by a  licensed  engineer  and
            surveyor approved by the Bank showing all easements,  appurtenances,
            encroachments and containing a legal description of the Property, as
            well as a plot plan.  The survey shall be sufficient in all respects
            to have any general survey exception  removed from the Title Policy.
            The Bank shall also be supplied with a surveyor's  certificate  in a
            form and substance acceptable to the Bank.

      g.    Taxpayer  ID  Number.   An   Internal   Revenue   Service   taxpayer
            identification number shall be provided for Borrower.

      h.    Appraisal.  The Bank shall have obtained an acceptable  appraisal of
            the Property and  Improvements  from an appraiser  acceptable to the
            Bank in an amount satisfactory to the Bank.

      i.    (Intentionally Deleted)

      j.    Certificate  Regarding  Hazardous  Substances.  The  Borrower  shall
            deliver to the Bank a certificate  regarding hazardous substances by
            which the Borrower shall agree to, among other things, indemnify the
            Bank for any losses associated with the  environmental  condition of
            the Property.

      k.    Other  Conditions.   Such  other  pre-conditions  as  the  Bank  may
            reasonably establish.

6.    Affirmative  Covenants.  The Borrower  agrees that until the principal of,
      and all  interest  on, the Note shall have been paid in full and this Loan
      Agreement  terminated,  the  Borrower  shall  perform  and observe all the
      following provisions:

                                       5
<PAGE>

      a.    Casualty and Liability Insurance. The Borrower shall:

            1.    Maintain,  or  cause  to  be  maintained,   fire,  earthquake,
                  property damage and public liability insurance on the Property
                  and  Improvements,  naming the Bank as first  mortgagee,  loss
                  payee  and   additional   insured,   by   standard   mortgagee
                  endorsement,  which  insurance  shall  be in a form  and in an
                  amount   satisfactory   to  the  Bank  and  with  an   insurer
                  satisfactory to the Bank. If required, the Borrower shall also
                  obtain adequate workers compensation  insurance.  The original
                  of each insurance policy required hereunder shall be delivered
                  to the Bank at or prior to the Closing.  Each insurance policy
                  required  by  this  Section  shall   contain  an   affirmative
                  statement by the insurer  agreeing to give  written  notice to
                  the Bank at least  thirty (30) days prior to  cancellation  or
                  amendment  of such  policy  for  any  reason  whatsoever.  The
                  Borrower  shall also furnish to the Bank (i) evidence that the
                  Property is not in a floodplain or (ii) flood  insurance in an
                  amount and form satisfactory to the Bank

            2.    At or prior to the Closing and thereafter within ten (10) days
                  after  written  request by the Bank,  furnish to the Bank full
                  information  concerning  such  insurance  described  above and
                  promptly effect such  additional  insurance to protect against
                  additional risks and/or in additional  amounts as the Bank may
                  request from time to time, with the Bank named as a mortgagee,
                  loss payee and an additional insured on all policies in effect
                  at Closing or thereafter.

      b.    Money Obligations. The Borrower shall pay in full:

            1.    Prior in each case to the date when  penalties  would  attach,
                  all taxes,  assessments  and  governmental  charges and levies
                  (except  only those so long as, and to the  extent  that,  the
                  same  shall be  contested  in good  faith by  appropriate  and
                  timely legal  proceedings  and as to which the  enforcement of
                  any  lien  or  right  of  execution  against  property  of the
                  Borrower is stayed), and

            2.    All its  debts,  obligations  and  liabilities  on or prior to
                  their respective due dates for which it becomes legally liable
                  or to  which  any  or all of  its  properties  become  legally
                  subject.

      c.    Financial  Statements.  The Borrower  shall  furnish to the Bank the
            following:

            1.    As to the  Borrower,  (i)  within 15 days  after  filing  each
                  calendar  year, a copy of the signed income tax returns of the
                  Borrower,  and  (ii)  within  120 days  after  the end of each
                  calendar year, annual financial statements of Borrower for the
                  previous  year,   consisting  of  a  balance   sheet,   income
                  statement, statement of changes in cash and the like, compiled
                  by a firm of

                                       6
<PAGE>

                  independent public accountants  acceptable to the Bank, all of
                  which  shall be  certified  by an  authorized  officer  of the
                  Borrower, as applicable as being true, correct and accurate.

            2.    The  Borrower  shall  furnish or cause to be furnished to Bank
                  within  ten (10) days of a request by the Bank,  such  further
                  data and information relating to the financial affairs, assets
                  and  liabilities  of  Borrower  as Bank may from  time to time
                  request.

      d.    Financial Records. The Borrower shall:

            1.    At all  times  keep true and  complete  financial  records  in
                  accordance with generally accepted  accounting  principles and
                  all financial  statement  required hereunder shall be prepared
                  in accordance with generally accepted accounting principles.

            2.    At all  reasonable  times,  permit  the Bank or its  agents to
                  examine any or all of their financial  records and to copy any
                  part or all of said records in any reasonable manner; and

            3.    Maintain the Borrower's books and records at the office of the
                  Borrower,  or at such  other  reasonable  place  Borrower  may
                  locate its records after notice to Bank.

      e.    Properties. The Borrower shall maintain its assets in good condition
            and repair, subject only to normal wear and tear; and the Bank shall
            have the right to inspect the same from time to time.

      f.    Legal Existence and Licenses.  The Borrower shall preserve its legal
            existence in good standing, and will maintain all permits,  licenses
            and other similar matters  necessary or appropriate for the Property
            and Improvements.

7.    Representations  and  Warranties.   The  Borrower  hereby  represents  and
      warrants  to the Bank as follows,  which  warranties  and  representations
      shall be deemed to be  continuing  and shall survive the execution of this
      Loan Agreement:

      a.    Existence  and  Licenses.  Borrower  is a  duly  organized,  validly
            existing  limited  liability  company under the laws of the State of
            Kentucky and shall  maintain at all times,  in full force and effect
            all  licenses  and  permits   necessary  or   appropriate   for  its
            businesses.

      b.    Right to Act. No registration  with or approval of any  governmental
            agency of any kind is required  for the due  execution  and delivery
            of, or for the enforceability  of, this Loan Agreement,  the Note or
            any of the Security  Instruments or other Loan Documents  except for
            the recording in the  appropriate  public office of the Mortgage and
            the Financing Statement(s). The Borrower has the legal power and

                                       7
<PAGE>

            right to execute  and deliver  this Loan  Agreement,  the Note,  the
            Security Instruments and the other Loan Documents and to observe and
            perform all of the provisions of such instruments and documents. The
            Borrower's  execution and delivery of this Loan Agreement,  the Note
            and Security  Instruments  or of any other  writing  relating to the
            Loan,  or the  performance  or  observance  by the  Borrower  of the
            provisions  of any of  such  instruments,  do not  violate  or  will
            violate any law  applicable to it or otherwise  constitute a default
            or violation under any existing contract or other obligation binding
            upon it or its property,  with or without the passage of time or the
            giving of notice,  or both.  The persons or entities  executing  and
            delivering this Loan Agreement,  the Note, Security  Instruments and
            other  Loan  Documents  on  behalf  of the  Borrower  have been duly
            authorized to do so, and this Loan Agreement, the Note, the Security
            Instruments  and the other Loan  Documents are legally  binding upon
            the  Borrower,   and  are   enforceable  in  accordance  with  their
            respective terms.

      c.    Litigation and Taxes. No litigation or proceeding involving Borrower
            is pending which may materially affect the properties or business of
            the Borrower.

      d.    Financial   Statements.   The   Borrower's   financial   statements,
            heretofore furnished to the Bank, are true and complete,  and fairly
            present the Borrower's  financial condition as of their dates. Since
            the date of such  statements,  there  has been no  material  adverse
            change  in  the  Borrower's  financial   condition,   properties  or
            business.

      e.    Default.  No Possible  Default or Event of Default exists under this
            Loan  Agreement,  nor  will  begin  to  exist  immediately  upon the
            execution and delivery hereof.

      f.    Investment Company Act. The Borrower is not an "investment  company"
            or a company  "controlled"  by an  "investment  company"  within the
            meaning of the Investment Company Act of 1940, as amended.

      g.    Regulation U. The Borrower is not engaged  principally  or as one of
            its important activities in the business of extending credit for the
            purpose of purchasing or carrying margin stock within the meaning of
            Regulation  U of the  Board  of  Governors  of the  Federal  Reserve
            System.

      h.    Zoning.  The Property is properly zoned for commercial  purposes and
            uses  and  for  the  use  of  the  Property  as  commercial   rental
            properties.  No state of facts exists which would render any portion
            of the  Property  unavailable  or  unusable  for the current use and
            there exists no non-compliance with any applicable zoning, land use,
            subdivision  or  environmental   laws,   regulations  or  ordinances
            relative to the Property.

      i.    Environmental  Matters.  The Borrower hereby warrants and represents
            to the Bank that to the best of its knowledge,  the Property has not
            been used for the

                                       8
<PAGE>

            disposal or release of hazardous  substances,  as herein defined, or
            petroleum, except the use of the Property for the dispensing of fuel
            in accordance  with  applicable  laws, and that during the course of
            any prior  investigation of, or construction on, the Property by the
            Borrower no "hazardous  substances" as defined in the  Comprehensive
            Environmental  Response,  Compensation  and  Liability  Act of  1980
            ("CERCLA"),  or  petroleum  were  encountered,  nor  was  there  any
            indication that any prior use of such property included the disposal
            of petroleum or hazardous substances, as defined in CERCLA. Borrower
            hereby  agrees to indemnify  and hold harmless the Bank from any and
            all loss, cost, damage or expense (including  reasonable  attorneys'
            fees) which may result from any of the aforesaid  representations or
            warranties  being untrue at any time and for any liability which may
            be incurred by the Bank under  CERCLA or  otherwise  with respect to
            the presence of hazardous  substances  or petroleum on the Property.
            This indemnity shall survive the payment in full of the Loan and the
            discharge and/or release of the Mortgage and shall also be set forth
            in a  separate  Certificate  Regarding  Hazardous  Substances  to be
            delivered to the Bank by the Borrower at the closing of the Loan.

8.    Events of Default.  Each of the  following  shall  constitute  an Event of
      Default hereunder:

      a.    Payments.  If any  installment  of principal or interest on the Note
            shall not be paid in full  punctually  when due and payable and such
            failure to pay  continues  for a period of ten (10) days,  or if any
            Event of Default occurs under this Loan Agreement or under any other
            Loan Document.

      b.    Covenants  and  Agreements.  If the  Borrower  or  Guarantors  shall
            violate, fail or omit to perform or observe any covenant, agreement,
            condition or other provision  (other than referred to in Section 8a.
            hereof)  contained  herein  on  the  part  of  the  Borrower  to  be
            performed,  and such  failure or omission  shall not have been fully
            corrected  to the complete  satisfaction  of the Bank within 15 days
            (or such shorter  grace period as may be provided in the  particular
            instrument  for the  particular  default)  after  the Bank has given
            written notice thereof to the Borrower.

      c.    Failure to Pay Other Indebtedness. If the Borrower shall fail to pay
            any material  obligation it may  legitimately  have or be subject to
            with respect to any Person within 15 days after the  respective  due
            date or performance date thereof.

      d.    Accuracy of Statements.  If any  representation or warranty or other
            statement  of  fact  contained  herein  or in any  of  the  Security
            Instruments or in any writing,  certificate,  report or statement at
            any time  furnished to the Bank  pursuant to or in  connection  with
            this Loan  Agreement or  otherwise,  shall be false or misleading in
            any material  respect or shall omit a material fact,  whether or not
            made with knowledge of same.

      e.    Judgments  and  Liens.  If a final  judgment  or  judgments  for the
            payment  of money in  excess  of the sum of Fifty  Thousand  Dollars
            ($50,000.00) in the aggregate shall

                                       9
<PAGE>

            be rendered  against the  Borrower,  and such  judgment or judgments
            shall  remain  unsatisfied  and in  effect  and  shall not have been
            discharged  within  thirty  (30)  consecutive  days  after the entry
            thereof and  execution  thereon  shall not have been stayed  pending
            appeal, or if so stayed,  ten (10) days after the expiration of such
            stay.

      f.    Solvency and Other Matters.  If the Borrower  shall (a)  discontinue
            business,  or (b) make a general  assignment  for the benefit of its
            creditors,  or (c)  apply for or  consent  to the  appointment  of a
            custodian,  receiver,  trustee or liquidator of all or a substantial
            part of its  assets,  or (d) be  adjudicated  insolvent,  or have an
            Order for Relief entered as to it in any bankruptcy  proceeding,  or
            (e) file a  voluntary  petition  in  bankruptcy,  be  subject  to an
            involuntary petition in bankruptcy,  or file a petition or an answer
            seeking  a  composition,   reorganization  or  an  arrangement  with
            creditors  or seeking to take  advantage  of any other law  (whether
            federal  or state)  relating  to relief  for  debtors,  or admit (by
            answer,  default  or  otherwise)  the  material  allegations  of any
            petition  filed  against  it  in  any  bankruptcy,   reorganization,
            composition,  insolvency  or other  proceeding  (whether  federal or
            state)  relating to relief for  debtors,  or (f) suffer or permit to
            continue unstayed and in effect for ninety (90) consecutive days any
            judgment,  decree or order entered by a court or governmental agency
            of competent jurisdiction,  which assumes control of the Borrower or
            approves  a  petition  seeking  a  reorganization,   composition  or
            arrangement  of the Borrower or any other judicial  modification  of
            the  rights  of any of  its  creditors,  or  appoints  a  custodian,
            receiver,  trustee or  liquidator  for the  Borrower or for all or a
            substantial  part  of any  of  its  business  or  assets,  or (g) be
            enjoined or restrained from conducting all or a material part of any
            of its business as now  conducted  and the same is not dismissed and
            dissolved within ninety (90) days after the entry thereof.

9.    Remedies Upon Default. Notwithstanding any contrary provision or inference
      herein or elsewhere:

      a.    Optional  Acceleration.  If any  Event  of  Default  referred  to in
            Sections  8a.  through 8e.  hereof  shall  occur,  the Bank,  in its
            absolute  discretion,  without  further notice to the Borrower,  may
            declare all amounts of principal and interest  evidenced by the Note
            and all other  Indebtedness,  to be,  whereupon  the same  shall be,
            accelerated and immediately due and payable in full, all without any
            presentment,  demand or notice of any kind,  all of which are hereby
            expressly waived by the Borrower.

      b.    Automatic  Acceleration.  If any  Event of  Default  referred  to in
            Section 8f. hereof shall occur,  all of the  Indebtedness  including
            that evidenced by the Note shall  thereupon  become  accelerated and
            immediately due and payable in full, all without presentment, demand
            or notice of any kind, all of which are hereby  expressly  waived by
            the Borrower.

                                       10
<PAGE>

      c.    Offsets.  If any Event of Default shall occur or begin to exist, the
            Bank shall have the right then,  or at any time  thereafter,  to set
            off against,  and to appropriate and apply toward the payment of the
            Indebtedness  (in such  order as the  Bank  may  select  in its sole
            discretion),   including  but  not  limited  to,  the   indebtedness
            evidenced by the Note,  whether or not such Indebtedness  shall then
            have  matured or be due and  payable and whether or not the Bank has
            declared  the Note and/or  other  Indebtedness  to be in default and
            immediately  due,  any and all deposit  balances  and other sums and
            indebtedness  and other property then held or owed by the Bank to or
            for the  credit or  account  of the  Borrower,  and in and on all of
            which the Borrower hereby grants the Bank a first security interest,
            lien and pledge to secure all the  Indebtedness,  all without notice
            to or demand upon the Borrower or any other person, all such notices
            and demands being hereby expressly waived.

      d.    Rights Under  Security  Instruments.  If any Event of Default  shall
            occur,  the Bank shall also have all rights and remedies  granted it
            under any and all of the Security  Instruments  securing or intended
            to secure the Indebtedness.

      e.    Rights  Cumulative.  All of the rights and remedies of the Bank upon
            occurrence  of an Event of Default  or  Possible  Default  hereunder
            shall be  cumulative  to the  greatest  extent  permitted by law and
            shall be in addition to all those rights and  remedies  afforded the
            Bank at law or equity.

10.   Interpretation.  No course of dealing in respect  of, nor any  omission or
      delay in the  exercise  of, any right,  power,  remedy or privilege by the
      Bank shall operate as a waiver thereof, nor shall any right, power, remedy
      or privilege of the Bank be exclusive of any other right, power, remedy or
      privilege  referred  to  herein  or in  any  related  document  or  now or
      hereafter  available  at law,  in  equity,  in  bankruptcy,  by statute or
      otherwise. Each such right, power, remedy or privilege may be exercised by
      the Bank, either  independently or concurrently with others,  and as often
      and in such  order as the Bank may deem  expedient.  No waiver or  consent
      granted by the Bank in respect to this Loan Agreement, the Indebtedness or
      any Security Instrument or related writing shall be binding upon the Bank,
      unless specifically granted in writing by a duly authorized officer of the
      Bank,  which  writing  shall be strictly  construed.  Time shall be of the
      essence in the  performance of all the Borrower's  obligations  under this
      Loan  Agreement,  the Note,  the Security  Instruments  and the other Loan
      Documents or other instruments related hereto. The provisions of this Loan
      Agreement  shall  bind and  benefit  the  Borrower  and the Bank and their
      respective  successors,   heirs,  personal  representatives  and  assigns,
      including  each  subsequent  holder,  if any,  of the  Note  or any  other
      Indebtedness.  The several  captions,  section and subsection  numbers and
      index of this Loan Agreement are inserted for  convenience  only and shall
      be ignored in  interpreting  the provisions of this Loan Agreement  except
      for purposes of reference to other parts of the Loan Agreement.  This Loan
      Agreement  and  the  related  writings  and  the  respective   rights  and
      obligations  of the parties  hereto shall be construed in accordance  with
      and  governed  by the laws of the  Commonwealth  of  Kentucky.  This  Loan
      Agreement and the other instruments  referred to herein contain the entire
      agreement of the parties pertaining to its subject matter and

                                       11
<PAGE>

      supersede all prior written and oral  agreements  pertaining  hereto.  The
      Borrower may not assign any of its rights under this Loan Agreement to any
      other party.  This Loan Agreement may be modified only in writing executed
      by the Bank and Borrower.  The invalidity or unenforceability,  whether in
      general or in any particular  circumstance,  of any provision of this Loan
      Agreement,  shall not affect its validity or  enforceability  in any other
      circumstance,  or any other  provision  hereof.  The parties hereto hereby
      agree that this Loan Agreement  shall be so interpreted to give effect and
      validity to all the provisions  hereof to the fullest extent  permitted by
      law.

11.   Notices.  All notices required or permitted to be given hereunder shall be
      given  in  writing  and  personally  delivered  or sent by  registered  or
      certified U. S. mail, return receipt requested, postage prepaid, addressed
      as follows (or to such other  address as to which any party  hereof  shall
      have given the other written notice):

            If to Bank:       Community Trust Bank, Inc.
                              Attn: Manager, Commercial Loan Department
                              120 South Main Street
                              Winchester, Kentucky 40391

            If to Borrower:   Robcor, LLC
                              Attn: Mr. Mike Heitz
                              3505 Castlegate Court
                              Lexington, Kentucky 40502

            If to Guarantors: Mike Heitz
                              Viola Heitz
                              3505 Castlegate Court
                              Lexington, Kentucky 40502

and shall be deemed given when actually delivered in person or when deposited in
the United States mails, in accordance with the foregoing, as applicable.

12.   Survival of Covenants,  Agreements,  Warranties and  Representations.  All
      covenants, agreements, warranties and representations made by the Borrower
      herein shall  survive the making of each  disbursement  hereunder  and the
      execution  and delivery of the Note,  this Loan  Agreement and any and all
      Security  Instruments  for the Note and other  Indebtedness,  and shall be
      deemed  to  be  continuing  covenants,  agreements,   representations  and
      warranties at all times while any portion of the  Indebtedness,  including
      the Note, remains unpaid.

13.   Fees and Expenses. The Borrower shall pay all Closing Fees, including, but
      not limited to, the  attorney's  fees and expenses of the Bank incurred in
      preparing  and  revising  this Loan  Agreement,  the Note and the Security
      Instruments and all related documents and the filing and/or recording from
      time to time of financing  statements  and/or other Security  Instruments,
      including  all  filing  and/or  recording  fees and  taxes  and all  note,
      mortgage or security  fees and/or  taxes and also all other  similar  fees
      and/or  taxes.  Further,  in the event of any Event of Default  under this
      Loan Agreement, the Note or any

                                       12
<PAGE>

      of the Security Instruments or any related instruments,  the Borrower will
      pay, to the extent  allowable by applicable  law, to the Bank such further
      amounts as shall be sufficient to reimburse  fully the Bank for all of its
      costs and  expenses of enforcing  its rights and remedies  under this Loan
      Agreement,  the  Note  and the  Security  Instruments,  including  without
      limitation,  the Bank's  reasonable  attorneys'  fees, and appraisers' and
      accountants'  fees and court costs, and the same shall be deemed evidenced
      hereby  and  secured  by all the  Security  Instruments.  All  obligations
      provided for in this Section shall survive  termination or cancellation of
      this Loan Agreement for any reason whatsoever.

14.   JURY  TRIAL   WAIVER.   BORROWER   HEREBY   KNOWINGLY,   VOLUNTARILY   AND
      INTENTIONALLY  WAIVES  THE RIGHT IT MAY HAVE TO A TRIAL BY JURY IN RESPECT
      OF ANY LITIGATION  BASED,  OR ARISING OUT OF, UNDER OR IN CONNECTION  WITH
      THIS LOAN  AGREEMENT  OR ANY OTHER LOAN  DOCUMENT  OR OUT OF ANY COURSE OF
      CONDUCT,  COURSE  OF  DEALING,  STATEMENTS  (WHETHER  WRITTEN  OR ORAL) OR
      ACTIONS OF THE BORROWER OR THE BANK.

      IN WITNESS  WHEREOF,  the parties hereto have executed this Loan Agreement
the day, month and year first above written.

                               ROBCOR, LLC, a Kentucky limited liability company

                               By: /s/ Mike Heitz
                                   ------------------------------------------
                                   MIKE HEITZ, Member

                                   /s/ Viola Heitz
                                   ------------------------------------------
                                   VIOLA HEITZ, Member

                                      ("Borrower")

                               COMMUNITY TRUST BANK, INC.

                               By: T. Wayne Stefanovich
                                   ------------------------------------------
                                   Title: Vice-President
                                          -----------------------------------

                                      ("Bank")

                                       13
<PAGE>

                                   EXHIBIT "A"

            Being all of  parcels  2-A and 3-A of Tract "C" Blue Sky
            Industrial Estate Subdivision,  as shown by plat thereof
            of  record  in Plat  Book 25,  Page 37,  Fayette  County
            Clerk's Office,  as further reflected on a Consolidation
            Record  Plat of a portion  of said  Blue Sky  Industrial
            Estates  Tract  "C",  dated  August 30,  1974,  said two
            tracts  containing in the aggregate 3.996 acres of land;
            being  further  described as all of Lots AA, BB, CC, DD,
            EE,  FF,  GG, HH, II, JJ, KK, and LL as shown by amended
            record plat of a portion of Blue Sky Industrial Estates,
            Tract "C",  Parcels  2-A & 3-A,  appearing  of record in
            Plat  Cabinet B, Slide 453  (erroneously  referred to in
            chain of title as Plat  Cabinet  B, Slide 435 and in the
            previous  deed as Plat  Cabinet  B, Slide  354),  in the
            aforesaid clerk's office.

            BEING the same  property  conveyed  to  Robcor.  LLC,  a
            Kentucky limited liability company, by BFI Waste Systems
            of North America, Inc., a Delaware corporation,  through
            deed dated March 20, 2003,  of record in Deed Book 2350,
            Page 508, in the Fayette County Clerk's Office.

GAH/040359gh
<PAGE>

                      TERM NOTE AND UNCONDITIONAL GUARANTY

$410,700.00                                                  Lexington, Kentucky
                                                                January 28, 2004

      FOR VALUE  RECEIVED,  the  undersigned,  ROBCOR,  LLC, a Kentucky  limited
liability company ( the "Maker"), hereby promises and agrees to pay to the order
of COMMUNITY TRUST BANK, INC., a Kentucky banking corporation,  having a mailing
address of 120 South Main Street, Winchester, Kentucky 40391, its successors and
assigns (the  "Bank"),  the  principal  sum of Four  Hundred Ten Thousand  Seven
Hundred AND NO/100 DOLLARS  ($410,700.00),  or the amount actually disbursed and
outstanding hereon from time to time, together with all accrued interest thereon
computed and payable in the manner set forth below. The unpaid principal balance
of, and all accrued interest on, this Note, unless sooner paid, shall be due and
payable in full on January 28, 2009 (the "Maturity Date").

      The indebtedness evidenced by this Note and the obligations created hereby
are  secured  by the  "Security  Instruments",  as that term is  defined in that
certain Loan Agreement of even date herewith (the "Loan Agreement") by and among
the Bank, the Maker,  and the Guarantors,  and such other and/or future security
granted  the  Bank  by  the  Maker  or  others   (collectively,   the  "Security
Instruments").  Further, this Note is the Note referred to in the Loan Agreement
and is entitled to all of the benefits thereof and security therefor.  All terms
defined in the Loan Agreement,  unless otherwise defined herein,  shall have the
same meaning in this Note.  The proceeds of this Note shall be used to refinance
various commercial properties located in Lexington, Fayette County, Kentucky.

      From the date of this Note the outstanding principal balance of this Note,
as the same  shall  exist  from time to time,  shall  bear  interest  at a daily
floating rate per annum equal to the Borrowing Rate  established  under the Loan
Agreement,  calculated  on the basis of an assumed  360-day  year for the actual
number of days elapsed.  The  "Borrowing  Rate" means,  the Prime Rate in effect
from time to time  calculated  on the basis of an assumed  360-day  year for the
actual number of days elapsed plus one-quarter of one percent (0.25%);  provided
that the Borrowing  Rate shall be no greater than 6.25% per annum.  "Prime Rate"
means at any time the  interest  rate per  annum  most  recently  quoted  or the
highest of any range quoted from time to time by The Wall Street Journal ("WSJ")
as the  "Prime  Rate" or base rate on  corporate  loans in effect at large  U.S.
money center  commercial  banks. In the event the WSJ ceases to publish a "Prime
Rate," the "Prime Rate" shall be the interest rate designated and announced from
time to time by the Bank as its "Prime Rate" in effect at its principal  office,
although such rate may not be the lowest rate available at that  particular time
on loans of a similar nature.

      Commencing  February  28,  2004,  and  continuing  on the 28th day of each
calendar  month until the earlier of the Maturity Date or the date the principal
balance and all accrued but unpaid interest of this Note is paid in full,  Maker
shall make monthly  payments of principal and interest on this Note in an amount
sufficient to fully  amortize the face amount of this Note over an  amortization
period of twenty (20) years.  Unless there is a change in the Borrowing Rate (as
set forth above),  the monthly  installment  of principal and interest  shall be
$2,544.00. All payments shall be applied to
<PAGE>

accrued  interest and principal as the Bank may elect. No partial  prepayment of
this Note shall reduce or eliminate any payments required hereunder.

      The Maker  acknowledges  that on the Maturity Date the entire  outstanding
principal  balance and all accrued but unpaid interest on this Note shall be due
and payable in full,  notwithstanding anything herein that may be interpreted to
the contrary,  resulting in a  substantial  balloon  payment.  The Maker further
acknowledges  that the Bank has not agreed to extend the  Maturity  Date of this
Note or to refinance this Note.

      If any  installment  of interest or  principal on this Note is not paid by
the end of thirty (30)  calendar days after the date it is due, the Bank may, at
any time  thereafter,  increase the interest rate  applicable to the outstanding
principal  balance of this Note to a rate which is two percent (2%) in excess of
the Interest Rate specified above otherwise  applicable to the principal of this
Note (the  "Default  Rate").  In  addition,  if any  installment  of interest or
principal  on this Note is not paid by the end of ten (10)  calendar  days after
the date it is due,  the Makers  shall pay to the Bank a late charge equal to 5%
of  the  payment  missed.   If  any  payment  is  made  by  check  returned  for
non-sufficient  funds,  the Maker  shall pay to the Bank a service fee of $20.00
for each such  returned  item.  The  assessment  or  collection  of Default Rate
interest,  the late charge or any service fee shall not  constitute  a waiver of
any default resulting from any failure to timely pay any payment due pursuant to
this Note.

      This Note may be prepaid in whole or in part at any time,  without premium
or penalty.  Any partial  prepayment  shall be applied first to accrued interest
due and  owing on this  Note,  with the  balance  being  applied  to  principal.
Provided,  however,  no partial  prepayment  shall  postpone the due date of any
installment  of interest due on this Note unless and until this Note is paid and
performed in full. The entire indebtedness  evidenced by this Note shall, at the
option of the Bank, become immediately due and payable, should the Maker further
encumber,  pledge, convey, transfer or assign any or all of its interest,  legal
or equitable,  in all or any portion of the property  covered by the Mortgage of
even date  granted by the Maker in favor of the Bank  without the prior  written
consent of the Bank or unless specifically  allowed pursuant to the terms of the
Loan Agreement.

      If (i) there is a default in the payment of principal  and/or  interest as
and when the same is or  becomes  due  hereunder  and the same  continues  for a
period of ten (10) days after such due date;  (ii) the Maker fails in the timely
performance of any term,  covenant or condition required to be kept, observed or
performed  under this Note;  or (iii) if any Event of Default  occurs  under the
Loan  Agreement or any of the other "Loan  Documents" as that term is defined in
the Loan Agreement;  such occurrence,  or the occurrence of more than one, shall
constitute  an "Event of Default"  under this Note.  Upon the  occurrence of any
Event of Default,  the Bank or any subsequent  holder of this Note may,  without
notice or demand, declare all sums of principal and interest evidenced hereby to
be  accelerated  and  immediately  due and payable,  and the Bank may  thereupon
exercise all rights and remedies granted it by the Loan Agreement,  the Security
Instruments, the other Loan Documents, or available to it in law or equity. Upon
any Event of  Default  under  this  Note,  the Maker  agrees to pay all costs of
collection,  and/or costs  relating to  modifying or further  securing the Note,
when incurred by the Bank, including,  but not limited to, reasonable attorneys'
fees. If any suit or action

                                      -2-
<PAGE>

is  instituted  to enforce this Note,  the Maker  agrees to pay to the Bank,  in
addition to the costs and  disbursements  otherwise allowed by law, such sums as
may be adjudged reasonable  attorneys' fees, court costs, and all other expenses
in  collecting or attempting to collect or securing or attempting to secure this
Note or in connection  with any of the  foregoing,  provided the same is legally
allowed by the law of any state where the subject collateral or any part thereof
is situated, and under applicable federal law.

      Failure of the Bank to exercise any of its rights and  remedies  shall not
constitute a waiver of the right to exercise the same at that or any other time.
All rights and remedies of the Bank  following an Event of Default  hereunder or
under any of the  instruments  referred  to herein  shall be  cumulative  to the
greatest extent permitted by law. Time shall be of the essence in the payment of
all  installments  of interest and principal on this Note and the performance of
the Maker's other joint and several obligations hereunder.

      The Maker, and all endorsers or guarantors hereof and each of them, hereby
expressly waive  presentment,  demand,  notice of dishonor,  protest,  notice of
protest and nonpayment and further waive all exemptions to which they may now or
hereafter  be  entitled  under the laws of Kentucky or any other state or of the
United States,  and further agree that the Bank or any subsequent  holder hereof
shall have the right,  without notice, to deal in any way, at any time, with the
Maker,  endorsers,  or  guarantors  hereof,  and to grant the Maker  hereof  any
extension  of time  for  payment  of  this  Note,  or any  other  indulgence  or
forbearance  whatsoever,  and may release any  security  for the payment of this
Note,  and/or  modify the terms of any of the Security  Instruments  referred to
herein or otherwise  securing or  pertaining  to this Note,  and may release the
Maker, endorser or any guarantor of this Note from liability for payment hereof,
in every  instance  without the consent of the Maker,  endorsers  or  guarantors
hereof and without in any manner  affecting the liability of the Maker hereunder
or any guarantor or endorser hereof, and all without waiving any rights the Bank
or any  subsequent  holder of this Note may have  hereunder  or by virtue of the
laws of Kentucky or of any other state or of the United States. The liability of
the Maker and any guarantor  hereunder and in connection  herewith  shall not in
any way be diminished, released, voided or adversely affected as a result of the
invalidity of any document relating to the loan evidenced hereby,  including any
document or instrument  purporting to secure the indebtedness  evidenced by this
Note,  or by the  release  of any or all of the  security  for the  indebtedness
evidenced  by this Note or as a result of the Bank not  requiring  any or all of
the Security  Instruments to be executed or properly perfected and filed or as a
result of any other  defect in the lien or security  interest of the Bank on any
or all of the security for this Note even if through the fault or  negligence of
the Bank. The Maker and each  guarantor  hereof  acknowledges  that the Bank may
perfect its security interest and/or lien on some, but not all of the collateral
described in the Security  Instruments,  and may or may not, at its sole option,
require any other or further security in connection herewith. The Maker and each
guarantor hereof hereby waive any and all claims and defenses arising out of, or
in any way  relating  to,  such  failure on the part of the Bank to perfect  its
security  interest in,  and/or lien on, all, or any portion,  of any  collateral
intended to secure  this Note.  This Note is a full  recourse  joint and several
obligation of the Maker and each guarantor.

      This Note shall be governed and construed in  accordance  with the laws of
the Commonwealth of Kentucky.

                                      -3-
<PAGE>

      All  payments  due on this Note  shall be paid to the Bank in  immediately
available funds, at its principal place of business in Pikeville,  Kentucky,  or
to such  other  person or at such other  address  as the Bank or any  subsequent
holder hereof may specify in writing from time to time.

      The  invalidity  or  unenforceability  of any  provision  of this  Note in
general or in any  particular  circumstance  shall not affect  the  validity  or
enforceability  of any one or more of the other  provisions  of this Note or the
validity  of such  provision  as  applied to any other  circumstance.  The Maker
agrees that this Note and all  provisions  hereof shall be  interpreted so as to
give effect and  validity  to all the  provisions  hereof to the fullest  extent
permitted  by law.  Any  references  in this  Note to the  Loan  Agreement,  the
Security  Instruments or any other document related to the loan evidenced hereby
shall be deemed to be references to such  agreements,  instruments and documents
as they now exist or are hereafter modified in writing by the parties thereto.

      The  undersigned,  Mike Heitz and Viola  Heitz  (hereinafter  collectively
referred  to as  the  "Guarantor"),  hereby  jointly  and  severally  guarantees
unconditionally  to the Bank the due and punctual  payment of all sums due or to
become  due  under  this  Note,  whether  the same  become  due by  virtue of an
acceleration  following  an Event of Default or  otherwise.  This is a joint and
several  guaranty of payment and not of collection and the Guarantor does hereby
waive all guaranty and suretyship defenses.  The unconditional joint and several
guaranty of the Guarantor is supplemented by the Guaranty  Agreement attached to
this Note and incorporated herein by this reference.

      IN WITNESS WHEREOF, the Maker and Guarantor have executed this Note on the
date first above written.

                               ROBCOR, LLC, a Kentucky limited liability company

                               BY:
                                   ------------------------------------------
                                   MIKE HEITZ, Member

                               BY:
                                   ------------------------------------------
                                   VIOLA HEITZ, Member

                               Address: 3505 Castlegate Court
                                        Lexington, Kentucky 40502

                               ("Maker")

                               ----------------------------------------------
                               MIKE HEITZ, individually

                               ----------------------------------------------
                               VIOLA HEITZ, individually

                               ("Guarantor")

                                      -4-
<PAGE>

                               GUARANTY AGREEMENT

      THIS  GUARANTY  AGREEMENT  (this  "Guaranty")  is made,  entered  into and
effective  this 28th day of January,  2004, by and between (i)  COMMUNITY  TRUST
BANK,  INC., a Kentucky  banking  corporation,  having a mailing  address of 120
South Main Street, Winchester,  Kentucky 40391 (the "Bank"), and (ii) MIKE HEITZ
and VIOLA HEITZ ( the "Guarantors", whether one or more).

                                    RECITALS:

      A. The Bank has agreed to extend a loan to ROBCOR, LLC, a Kentucky limited
liability company (the "Borrower"),  in the principal amount of $410,700.00 (the
"Loan").

      B. The Loan is  evidenced  by that  certain  Term  Note and  Unconditional
Guaranty of even date made jointly and  severally by the Borrower and payable to
the order of the Bank in the face principal  amount of $410,700.00 (the "Note"),
which Note is incorporated herein by reference.

      C. In consideration of the substantial economic benefit of the Loan to the
Guarantors,  the  Guarantors  have agreed to jointly and severally  guaranty the
Borrower's  obligations under the Note,  pursuant to the terms and conditions of
this Guaranty.

      NOW,  THEREFORE,  for and in consideration of the Recitals,  and for other
good and valuable  consideration,  the receipt of which is hereby  acknowledged,
the Guarantors hereby agree as follows:

      1. Guaranty.  The Guarantors do hereby personally,  jointly and severally,
and  absolutely  guaranty  unconditionally  to the Bank (a) the due and punctual
payment of all  installments  of principal  and/or interest now or in the future
due under the Note, as and when the same shall be due and payable  thereunder in
accordance  with its terms,  and whether  the same be  declared  due by the Bank
prior to its stated  "Maturity  Date," as such term is  defined in the Note,  by
virtue of an "Event of  Default,"  thereunder,  as such term is  defined  in the
Note, or under any of the "Security Instruments," as such term is defined in the
Note, or otherwise,  (b) the due and punctual  payment of all costs and expenses
incurred by the Bank in enforcing its rights and remedies  under the Note,  this
Guaranty, and/or any of the Security Instruments, including, without limitation,
the Bank's  reasonable  attorney's fees and court costs, and (c) the performance
by the Borrower of all covenants,  agreements, and obligations,  whether payment
or performance, of the Borrower under the Note and the Security Instruments (the
items described in (a) through (c) above are collectively  referred to herein as
the "Obligations").

      This is a joint and several  guaranty of payment and not of collection and
shall in all respects be an absolute and unconditional guaranty, terminable only
upon the payment in full of the

                                      -5-
<PAGE>

Obligations.  The joint and  several  liability  of the  Guarantors  under  this
Guaranty shall be direct and immediate and not  conditional  or contingent  upon
the pursuit of any  remedies  against  the  Borrower  or any other  person,  nor
against any  security or liens  available to the holder of the Note for payment.
If the Note is partially  paid through the election of the Bank to pursue any of
its remedies or if the Note is otherwise  partially  paid, the Guarantors  shall
remain jointly and severally liable for the entire unpaid principal  balance of,
and all accrued but unpaid interest on, the Note and for the other Obligations.

      2. Guarantors' Consent. The Guarantors consent and agree to each and every
of the following acts,  events,  and/or  conditions,  none of which shall in any
manner  release,  discharge,  diminish,  impair or  affect  the  obligations  or
liabilities  of the  Guarantors  hereunder:  (a) the  whole  or any  part of the
security  now or  hereafter  held for the Note  may be  exchanged,  compromised,
surrendered, substituted or released from time to time; (b) the time or place of
payment of the Note or any other  Obligation  may be exchanged  or extended,  in
whole or in part, to a time certain or otherwise, and may be extended or renewed
for one or more  periods  (whether  or not  longer  than the  original  period),
amended,  or accelerated,  in whole or in part; (c) the Borrower may be extended
further loans and be granted indulgences generally; (d) any of the provisions of
the Note or of any of the Security  Instruments  may be modified or waived;  (e)
any party  liable  for the  payment of the Note may be  granted  indulgences  or
released;  (f)  neither  the death,  insolvency,  bankruptcy,  dissolution,  nor
disability of the Borrower, any of the Guarantors,  or any other guarantor shall
affect  the  obligations  hereunder  of the  Guarantors;  (g) no  claim  need be
asserted against the personal representative, guardian, trustee in bankruptcy or
receiver of any deceased,  incompetent,  bankrupt or insolvent Borrower,  any of
the Guarantors or any other guarantor;  (h) any deposit balance to the credit of
the Borrower, any of the Guarantors or any other party liable for payment of the
Note or liable upon any security  therefor may be released  from time to time in
whole or in part,  at,  before,  or after the stated,  extended  or  accelerated
maturity  date of the  Note.  The  undersigned  Guarantors  shall  remain  bound
hereunder,   notwithstanding   any   such   exchange,   compromise,   surrender,
substitution,   extension,   renewal,   acceleration,    modification,   waiver,
indulgence,  release  or  other  action  regarding  the  Note  or  the  Security
Instruments,  all of which may be effected  without notice to or further consent
or agreement by any of the  Guarantors.  The consent of any of the Guarantors to
any of the  foregoing  actions in one or more  instances  shall not  establish a
requirement  for the  consent  of any  Guarantor  to any  subsequent  action  or
actions.

      3.  Guarantors'  Waivers.  The Guarantors  expressly  waive: (a) notice of
acceptance of this Guaranty; (b) presentment and demand for payment of the Note;
(c) protest and notice of dishonor or default to any of the Guarantors or to any
other party with respect to the Note or any  security  for the Note;  (d) demand
for payment under this  Guaranty;  (e) notice of disposition of any security for
the  Note;  (f) any right to  require  that an action  be  brought  against  the
Borrower  or any other  person  prior to action  against  any of the  Guarantors
hereunder;  (g) any right to require  that resort be had to any security for the
Note or to any  balance  of any  deposit  account  or credit on the books of the
holder of the Note in favor of the  Borrower  or any other party prior to action
by Bank against any of the Guarantors  hereunder;  (h) notice of any advances or
other  disbursements made under the Note or any other Security  Instrument;  (i)
all other notices to which the Guarantors may otherwise be entitled; and (j) all
suretyship and guarantor's defenses generally.

                                      -6-
<PAGE>

      4.  Treatment  of  Security  and  Security  Instruments.  The  Note  shall
constitute the primary, independent and continuing obligation of the Guarantors,
who shall be jointly and severally  liable for payment of the debt  evidenced by
the Note,  the  Security  Instruments  and/or any or all of the security for the
Note.  The  joint and  several  liability  of the  Guarantors  hereunder  and in
connection  herewith  shall not in any way be  diminished,  released,  voided or
adversely affected as a result of (a) the Bank's not requiring any or all of the
Security  Instruments  to be executed or properly  perfected and filed,  (b) any
other  defect in the lien or security  interest of the Bank on any or all of the
collateral  described in the Security  Instruments or otherwise held as security
for the Note,  even if  through  the fault or  negligence  of the Bank,  (c) the
Bank's  failure to perfect or to continue  perfection  in its security  interest
and/or  lien  in or on  anything  serving  as  security  for the  Note or  other
Obligations,  (d) the  Bank's  failure  to  require  any or all of the  Security
Instruments to be executed and delivered,  (e) the Bank's failure to keep any or
all of the Collateral properly insured,  (f) the Bank's failure to properly care
for the  Collateral,  (g) the Bank's  impairment of the Collateral in any manner
whatsoever,  or (h)  the  Bank  failing  to  require  all  documentation  and/or
certificates  described in the Loan Agreement  relative to  disbursements of the
proceeds of the Note.

      5.  Guarantors'   Obligations  Not  Subject  to  Claims.  The  Guarantors'
Obligations  shall not be  subject to any  counterclaim,  setoff,  deduction  or
defense  based  upon  any  claim  any of the  Guarantors  may have  against  the
Borrower,  any  other  guarantor,  or  the  Bank,  and  the  obligations  of the
Guarantors  under this  Guaranty  shall remain in full force and effect  without
regard to,  and shall not be  released,  discharged  or in any way  modified  or
affected by, any circumstance or condition (whether or not any of the Guarantors
shall have any knowledge or notice thereof),  including, but not limited to, any
bankruptcy, insolvency, reorganization,  arrangement, readjustment, composition,
liquidation or similar proceeding with respect to the Borrower or its properties
or its creditors, or any action taken by any trustee or receiver or by any court
in any such proceeding.

      6.  Acceleration  of Guaranty  Agreement.  If any installment of principal
and/or  interest on the Note and/or any of the other  Obligations  are not fully
paid when due (and following the lapse of any applicable  grace period set forth
in the Note)  and/or  upon the  occurrence  of any other Event of Default in the
Note and/or the Security Instruments, the entire unpaid principal balance of and
all accrued and unpaid interest on the Note and the other Obligations  shall, at
the sole option of the Bank, be deemed to be accelerated and immediately due and
payable in full for the  purposes  of this  Guaranty  and the joint and  several
liability of the Guarantors hereunder.

      7. Effect of Borrower's  Bankruptcy,  Etc. This Guaranty shall continue to
be  effective or be  reinstated,  as the case may be, if at any time any payment
made under the Note or toward the satisfaction of any Obligation is rescinded or
must  otherwise  be  returned  by the Bank upon the  insolvency,  bankruptcy  or
reorganization of the Borrower or otherwise, as though such payment had not been
made.

      8.  Jurisdiction  and Venue. The Guarantors agree that any legal action or
proceeding  against  them  arising  out of this  Guaranty  may be brought in the
courts of the Commonwealth of Kentucky,  including,  but not limited to the Pike
Circuit Court, and hereby irrevocably consent and

                                      -7-
<PAGE>

submit to the  jurisdiction  of said courts.  Nothing herein shall in any way be
deemed to limit the  ability of the Bank to serve any writs,  process or summons
in any other manner permitted by applicable law or to obtain  jurisdiction  over
the  Guarantors  in such  other  jurisdictions,  and in such  manner,  as may be
permitted by  applicable  law. The  Guarantors  irrevocably  waive any objection
which they  either may now or  hereafter  have to the laying of the venue of any
suit,  action or  proceeding  arising  out of or in  relation  to this  Guaranty
brought in the courts of the Commonwealth of Kentucky and also irrevocably waive
any claim that any such suit,  action or proceeding  brought in any one of those
courts has been brought in an inconvenient forum.

      9. Waiver by Bank. No delay on the part of the Bank in the exercise of any
right or remedy  shall  operate  as a waiver  thereof,  and no single or partial
exercise  by the Bank of any  right or  remedy  shall  preclude  other or future
exercises  thereof,  or the  exercise  of any  right or  remedy;  nor  shall any
modification or waiver of any of the provisions of this Guaranty be binding upon
the Bank except as expressly  set forth in writing and duly signed and delivered
on behalf of the Bank.

      10. Primary and Independent Obligation.  The Obligations,  including,  but
not  limited  to  the  Note,   shall  constitute  the  primary  and  independent
obligations of the Guarantors, who shall be jointly and severally liable for the
Obligations, including, but not limited to, the payment of the debt evidenced by
the  Note,  notwithstanding  the  partial  or  total  invalidity  of  any of the
Obligations, including, but not limited to, the Note.

      11.  Waiver of Rights.  The  Guarantors  hereby fully and  unconditionally
waive and release until the Bank shall have been  irrevocably  paid and the Note
discharged:

            (a) Any and all rights of subrogation, contribution or reimbursement
with  respect to or from the Borrower or the rights of the Bank in the event any
Guarantor is required to perform under this Guaranty; and

            (b) Any and all rights to be subrogated, in whole or in part, to the
rights of the Bank arising out of or related to any of the  Obligations  between
the Bank and the Borrower (or any related instrument or document) or any secured
rights of the Bank in any assets of the Borrower  which secure the  indebtedness
of the  Borrower to the Bank,  in whole or in part,  in the event any  Guarantor
makes or is required to make any payment to the Bank pursuant hereto.

      12.  Subordination.  The  Guarantors  do  hereby  agree  that  all  debts,
obligations and  liabilities of every kind and nature now or hereafter,  if any,
owing to any and all of the Guarantors by the Borrower (the "Junior  Debts") are
hereby fully and completely  subordinated  to the prior  repayment of all of the
current and future indebtedness of the Borrower to the Bank, including,  without
limitation,  the Note (the "Senior Debt"). The Guarantors shall not seek, claim,
recover or accept any property,  cash or other payments on account of the Junior
Debts from the  Borrower  or anyone on behalf of the  Borrower  until the Senior
Debt shall have been paid in full. The Guarantors  hereby assign to the Bank all
of the  Guarantors'  rights to recover any property,  cash or other  payments on
account of the Junior  Debts until the Senior Debt is paid in full and assign to
the Bank

                                      -8-
<PAGE>

the  Guarantors'  rights  to  administer  and vote any  claim of the  Guarantors
against the Borrower in any  bankruptcy or insolvency  proceeding  involving the
Borrower.

      13. Heirs and Assigns.  The  provisions of this Guaranty  shall be binding
upon the Guarantors and their heirs,  personal  representatives,  successors and
assigns and shall inure to the benefit of the Bank and its successors, endorsees
and assigns.

      14. Severability.  The invalidity or unenforceability,  whether in general
or in any particular circumstance,  of any provision of this Guaranty, shall not
affect its validity or  enforceability in any other  circumstance,  or any other
provision  hereof.  The  Guarantors  hereby agree that this Guaranty shall be so
interpreted  to give  effect and  validity to all the  provisions  hereof to the
fullest extent permitted by law.

      15. Time of the Essence.  Time shall be of the essence in the  performance
of all of the Guarantors' obligations under this Guaranty.

      16. Governing Law. This Guaranty shall be construed in accordance with and
governed by the laws of the Commonwealth of Kentucky.

      17. Guarantors' Maximum Liability. The maximum joint and several liability
of the Guarantors hereunder shall be $410,700.00.  Notwithstanding the foregoing
maximum joint and several  liability of the  Guarantors,  the Guarantors  hereby
jointly and severally  guaranty payment of interest accruing on the Obligations,
and  all  fees,  charges  and  cost of  collecting  the  Obligations,  including
reasonable  attorneys' fees. The date on which this Guaranty terminates shall be
March 1, 2010 (the "Termination  Date"), which Termination Date shall not affect
the  joint  and  several  liability  of  the  Guarantors  with  respect  to  (a)
Obligations  created or incurred prior to the Termination Date or (b) extensions
or renewals of, interest  accruing on, or fees, costs or expenses  incurred with
respect  to the  Obligations  on or after the  Termination  Date.  The joint and
several liability of the Guarantors  hereunder shall survive the payment in full
of the Note and other Obligations for a period of one year and one day after the
date the Note is paid in full and/or the Obligations are satisfied in full.

      18. Counterparts.  This Guaranty may be executed in several  counterparts,
each of which  shall be  deemed  an  original  and all of which  together  shall
constitute one and the same instrument.

      IN WITNESS  WHEREOF,  the Guarantors have executed this Guaranty as of the
day, month, and year first above written.

                                ------------------------------------------------
                                MIKE HEITZ, individually

                                ------------------------------------------------
                                VIOLA HEITZ, individually

                                        ("Guarantors")

GAH/040356gh

                                      -9-
<PAGE>

      THIS LEASE, made and entered into this the 1st day of September,  2004, by
and between ROBCOR,  LLC, a Kentucky Limited Liability Company (the "Landlord"),
with an address of Castlegate Court,  Lexington,  Kentucky 40502; and INDUSTRIAL
MACHINERY SERVICES, LLC a Kentucky Limited Liability Company, with an address of
289 Blue Sky Parkway, Lexington,  Kentucky 40509 ("Tenant") and Edward J. Lynch,
Jr., with an address of 289 Blue Sky Parkway, Lexington, Kentucky ("Lynch").

                               W I T N E S S E T H

      The parties hereto agree as follows:

      1. Demise and Use of Premises. Landlord hereby leases to Tenant and Tenant
hereby  leases from  Landlord the real  property  known as 289 Blue Sky Parkway,
Lexington,  Kentucky 40509 and more particularly described on Exhibit "A" hereto
(the  "Premises").  Tenant  shall use the Premises for the business of providing
machinery moving,  relocating or installation  services and shall use and occupy
the Premises in compliance with all applicable laws, statutes, ordinances, rules
and  regulations  of  the  federal,  state,  county  and  municipal  authorities
applicable  to the  carrying on of said  business.  Landlord  warrants  that the
Premises are in compliance with all applicable laws, statutes, ordinances, rules
and  regulations  of  the  federal,  state,  county  and  municipal  authorities
applicable to the Premises, including OSHA and any environmental laws, including
CERCLA.  Landlord  agrees to indemnify and hold Tenant harmless from any and all
costs (including attorneys fees) of any claims,  actions or suits against Tenant
arising  from any  violation  of such  laws,  statutes,  ordinances,  rules  and
regulations  applicable  to  the  Premises  which  occurred  prior  to  Tenant's
occupancy  of Premises or which occur  during  Tenant's  occupancy,  but are not
caused by Tenant's action, inaction or omission.
<PAGE>

      2.  Term.  This  Lease  shall be for a term of five (5)  years,  beginning
September  1, 2004 and ending  August 31,  2009.  Prior to the  beginning of the
Lease,  Landlord  agrees to have the  exterior of the west side of the  Premises
repaired.  Tenant may terminate the Lease with six (6) months  written notice to
the Landlord at the address set out above.

      3. Rent. Tenant shall pay Landlord at Landlord's address set out above, or
at such other  place as Landlord  may  designate  in  writing,  the sum of Three
Thousand Five Hundred Dollars ($3,500.00) per month ("Rent"), due and payable in
advance on or before the fifth day of each and every month ("Due Date").

      4.  Utilities.  Tenant  shall be  responsible  for all  utilities  used in
connection  with the Premises and shall be responsible for insuring the contents
of the Premises.

      5. Taxes Insurance, and Expenses.  Tenant shall be responsible for (a) all
real  property  taxes and  governmental  assessments  on the  Premises;  (b) all
insurance in connection with the Premises;  and (c) all maintenance,  repair and
other costs in connection with the Premises,  except as provided in Paragraphs 6
and 7 below.  Tenant shall not suffer or permit any mechanic's liens to be filed
against the Premises and shall be responsible  for its personal  property taxes.
Landlord covenants that it has an adequate commercial insurance package in place
for the Premises which includes general  liability,  fire and extended coverages
with  financially  secure  insurers.   Tenant  agrees  to  assume  the  cost  of
maintaining the insurance package in place and Landlord hereby assigns to Tenant
all prepaid but unearned premiums to Tenant.  Tenant shall have the right to add
itself as an additional insured to Landlord's  commercial  insurance package for
the Premises. Tenant agrees to maintain the fire and extended  casualty coverage
currently  in place for an amount not less than  $600,000.00  during the term of
the Lease.

                                        2
<PAGE>

      6.  Surrender of Premises.  Tenant  agrees that upon  termination  of this
Lease,  in any way,  that it will yield up the Premises to Landlord in as good a
condition  as when the same was entered upon by Tenant,  ordinary  wear and tear
and acts of God only excepted.

      7. Indemnity.  Except as otherwise  provided  herein,  Tenant agrees to be
responsible  for any damage to the  Premises and all costs,  losses,  and claims
which may result from any use of the Premises, or any act done thereon by Tenant
or any  person  coming or being  thereon by the  license  of Tenant,  express or
implied,  and will also indemnify and hold Landlord  harmless from any liability
arising therefrom,  including reasonable  attorney's fees. Tenant further agrees
to carry and maintain  general  public  liability  insurance  against claims for
injury,  wrongful  death or  property  damage  occurring  upon,  in or about the
Premises, in amounts no less than $1,000,000.00,  with reputable and financially
secure  insurer(s).  Tenant  also  agrees to add  Robcor,  LLC as an  additional
insured on such policy.

      8. Right of Entry. Landlord shall have the right to enter upon and inspect
the Premises upon forty-eight (48) hours notice to Tenant.

      9. Signs.  Landlord  agrees that the Tenant  shall be permitted to place a
sign on the building  and the entrance  door to its suite of offices and further
agrees that the name of the Tenant shall be placed on the bulletin board of said
Premises similar in size to the signs of the other tenants of the building.

      10. Quiet Possession.  Landlord agrees to turnover  possession of the said
Premises  to the Tenant  upon the  execution  of this  Lease.  Landlord  further
covenants  that it is the lawful owner and is in  possession of the Premises and
he has the good and lawful right to enter into the Lease with the Tenant for the
term and any extension thereof; that if Tenant discharges all of its liabilities
and complies with each and all the covenants,  terms,  conditions and provisions
hereof, then Tenant shall

                                        3
<PAGE>

have and enjoy during the term of this Lease,  quiet and undisturbed  possession
of the Premises for the use herein specified.

      11.  Improvements  and  Alterations.  Tenant  shall  have the  right  from
time-to-time  to make, at its own expense,  any alterations to the then existing
improvements, or any part thereof, as in its opinion may be reasonably necessary
or desirable to the conduct,  improvements or expansion of Tenant's business, so
long as it receives the written  permission  of the Landlord  which shall not be
unreasonably  withheld,  and  provided  that the  same  shall  conform  with the
ordinances,  statutes and laws of the Lexington-Fayette Urban County Government,
the Commonwealth of Kentucky and the United States Government.

      12.  Repairs.  At its own expense,  Landlord agrees to make all repairs to
the outside walls, interior window seals, and basic structure of the Premises so
that all leaks and water damage have been  repaired to the  satisfaction  of the
Tenant.  Thereafter,  during the  remaining  term of the Lease,  all  additional
repairs shall be made by the Tenant.  Landlord's obligation under this paragraph
shall not  include  any  obligation  to make  repairs to the  remodeling  of the
Premises which is provided for in Section 11 above.

      Tenant agrees to replace all light bulbs, flourescent tubing, HVAC filters
and agrees to maintain any equipment  which Tenant causes to be installed on the
Premises.  Tenant  covenants  that  during  the term of this  Lease,  it will be
responsible  for  and  keep  all  parts  of  the  Premises,   improvements   and
appurtenances  thereto,  in good, safe and tenable condition,  and in good order
and  repair,  and  will  surrender  all of the  same to the  Landlord  upon  the
termination  of this Lease or any extension  thereof,  in as good a condition as
when received, ordinary wear and tear and acts of God excepted.

                                       4
<PAGE>

      13.  Casualty  Loss.  If during the term of this  Lease or any  renewal or
extension thereof, the Premises hereby leased shall be partially damaged by fire
or other  casualty but not rendered  untenable,  the same shall be repaired with
all deliberate  speed at the expense of the Landlord.  If,  however,  during the
term of this Lease,  said Premises shall be damaged by fire or other casualty so
that the  Premises  are  rendered  totally  unfit for  occupancy  and  cannot be
restored  within ninety (90) days,  then at the option of either the Landlord or
the  Tenant,  this Lease may be  terminated  from the date of such fire or other
casualty,  by either party giving  written  notice to such effect  within thirty
(30) days  therefrom;  and the rent  shall be paid only for the  portion  of the
month prior to the date of such fire or other casualty and shall  terminate upon
the date of same;  and upon  such  termination,  the  Tenant  shall  immediately
surrender  the  Premises to the Landlord  who may enter and  repossess  the said
Premises. In the event during the term of this Lease or any renewal or extension
thereof,  said Premises  shall be damaged by fire or other casualty so that said
Premises shall be rendered unfit for occupancy but can be restored within ninety
(90) days, then Landlord, at Landlord's own expense,  shall promptly restore the
Premises to its former  condition,  and Tenant shall be excused from paying rent
for and  during  the term it is  deprived  of  occupancy.  If the  Premises  are
partially  damaged and are not  rendered  untenable,  and the Tenant  desires to
remain in possession of the Premises under the terms of this Lease and while the
remainder is being repaired and restored to its prior  condition,  then the rent
to be paid by the Tenant  shall be reduced on an  equitable  basis to the extent
the Tenant does not have full use of the Premises.

      Landlord  shall have no  liability  for any loss or injury to any personal
property of Tenant destroyed or damaged through casualty loss including, but not
limited to, any improvements,  furniture,  fixtures or equipment. Tenant may, at
its option,  maintain  insurance at its cost which  protects  Tenant's  personal
property located on the demised premises from casualty loss.

                                       5
<PAGE>

      14. Condemnation.  If the whole or any part of the Premises shall be taken
under the power of eminent  domain,  then this Lease shall  terminate  as to the
part taken on the day when Tenant is required to yield possession  thereof,  and
Landlord shall make such repairs and alterations as may be necessary in order to
restore  the part not taken to useful  condition,  and the rent shall be reduced
proportionately  as to the portion of the Premises  taken. If the portion of the
Premises is taken as to impair  substantially the usefulness of the Premises for
the purpose for which the same are hereby leased, then either party may have the
option to  terminate  this Lease as of the date when the Tenant is  required  to
yield  possession.  All  compensation  awarded  for such  taking  of the fee and
Landlord shall belong to and be the property of the Landlord.

      15. Default. In the event the Tenant shall fail to keep and perform any of
the covenants of this Lease except for the  nonpayment of rent, and such failure
continues  for a period  of thirty  (30)  days  after  written  notice  from the
Landlord to the Tenant  stating in detail the nature of such  default or breach,
and in the event the Tenant shall fail to remedy the default or breach stated in
said notice within the thirty (30) day period,  then Landlord may enter upon the
Premises and  repossess  same,  and thereupon  this Lease,  at the option of the
Landlord, may be terminated without prejudice, subject, however, to the right of
the Landlord to recover  from the Tenant all rents due for the original  term of
the Lease.

      16.  Non  Payment of Rent.  In the event the Tenant  shall fail to pay any
installment of rent when due and said installment remains unpaid for a period of
fifteen (15) days after  written  notice from  Landlord,  the Landlord may enter
upon the Premises and repossess same without  notice and, at Landlord's  option,
may terminate this Lease.

      17.  Damage to  Premises.  Tenant  shall not do or suffer any waste to the
building on the  Premises  and shall not  overload the floors any more than they
are loaded at the time Tenant takes

                                       6
<PAGE>

possession  of the  Premises.  Landlord  shall  provide the load limits for each
floor of the building to Tenant prior to the commencement of this Lease.

      18. Assignment and Subletting. Tenant shall not assign, transfer or sublet
the Premises  without the prior written  consent of Landlord which consent shall
not be unreasonably withheld by the Landlord.

      19. Sale Subject to Lease.  Landlord  agrees that the terms of this Lease,
and the estate  created  thereby shall continue in the event that Landlord shall
effect a bona fide sale and conveyance of the Premises to a third party.

      20.  Right of First  Refusal.  Tenant has a Right of First  Refusal on the
Premises, which is set forth in Exhibit "B", attached hereto.

      21. Lynch Guaranty. Lynch agrees that if he should cease to own a majority
of the ownership  interest in the Tenant  during the term hereof,  he will enter
into a written guaranty  agreement with the Landlord in which he will personally
guarantee the Tenant's  performance  of this Lease for the remaining  term.  The
terms  of the  written  guaranty  shall  be in a form  satisfactory  to both the
Landlord and Tenant.

      22. Entire Agreement. This Lease embodies the entire agreement between the
parties herein  relative to the subject matter hereof and shall not be modified,
changed or altered in any respect, except in writing executed in the same manner
as this Lease by the parties hereto.

      23.  Choice  of Law.  This  Lease  shall  be  governed  by the laws of the
Commonwealth of Kentucky, except for any conflicts of law provision. Any dispute
arising in any manner from this Lease or the alleged breach of the same shall be
resolved by arbitration at Lexington,  Kentucky in accordance with the Rules for
Commercial Arbitration of the American Arbitration Association.

                                       7
<PAGE>

      24. Binding  Effect.  This Lease shall be binding upon the parties hereto,
their respective heirs, successors, personal representatives or assigns.

      25.  Notices.  All notices,  requests,  consents and other  communications
hereunder  shall be in writing,  shall be  addressed  to the  receiving  party's
address set forth  below or to such other  address as a party may  desigiate  by
notice  hereunder,  and  shall be either  (i)  delivered  by hand,  (ii) sent by
recognized overnight courier, (iii) made by telecopy or facsimile  transmission,
or (iv) sent by registered or certified mail, return receipt requested,  postage
prepaid,

      If to the Tenant:

            Industrial Machinery Services, LLC
            289 Blue Sky Parkway
            Lexington, KY 40509
            Attn: Edward H. Lynch, Jr.
            Fax No.: (859) 233-7713

      With a copy to:

            Vimont & Wills PLLC
            155 E. Main St., Ste. 300
            Lexington, KY 40507
            Attn: Timothy C. Wills, Esq.
            Fax No.: (859) 259-2927

      If to the Landlord:

            Mike Heitz
            3505 Castlegate Court
            Lexington, KY 40502

      With a copy to:

            Moynahan, Irvin & Smith, PSC
            110 N. Main Street
            Nicholasville, KY 40356
            Attn: Jennifer H. Acklen, Esq.
            Fax No.: (859) 885-2307

      All notices,  requests,  consents and other communications hereunder shall
be deemed to have

                                       8
<PAGE>

been given (i) if by hand, at the time of the delivery  thereof to the receiving
party at the address of such party set forth  above,  (ii) if sent by  overnight
courier,  on the next business day following the day such notice is delivered to
the courier service, (iii) if made by telecopy or facsimile transmission, at the
time that receipt thereof has been  acknowledged  by electronic  confirmation or
otherwise or (iv) if sent by registered or certified mail, on the fifth business
day following the day such mailing is sent.  The address of any party herein may
be changed at any time by written notice to the parties.

      IN WITNESS  WHEREOF,  the parties hereto have set their hands this the day
and year first above written.

                                        LANDLORD:

                                        ROBCOR, LLC

                                        BY: /s/ Michael E. Heitz, member
                                            ------------------------------------
                                            MICHAEL E. HEITZ, Member

                                        BY: /s/ V. Janette Heitz
                                            ------------------------------------
                                            V. JANETTE HEITZ, Member

                                        TENANT:

                                        INTERNATIONAL MACHINERY SERVICES, LLC

                                        BY: /s/ Edward H. Lynch, Jr.
                                            ------------------------------------
                                            EDWARD H. LYNCH, JR., Member

                                        /s/ Edward H. Lynch, Jr.
                                        ----------------------------------------
                                        EDWARD H. LYNCH, JR.

                                       9
<PAGE>

                                   Exhibit "A"

Being  all of  parcels  2-A and 3-A of  Tract  "C" Blue  Sky  Industrial  Estate
Subdivision,  as shown by plat  thereof  of  record  in Plat  Book 25,  Page 37,
Fayette County Court Clerk's  Office,  as further  reflected on a  Consolidation
Record Plat of a portion of said Blue Sky Industrial  Estates Tract "C" attached
hereto,  and  made a part  hereof,  dated  August  30,  1974,  said  two  tracts
containing in the aggregate 3.996 acres of land; being further  described as all
of Lots AA,  BB,  CC,  DD, EE, FF, GG, HH, II, JJ, KK and LL as shown by amended
record plat of a portion of Blue Sky Industrial Estates,  Tract "C", Parcels 2-A
& 3-A, appearing of record in Plat Cabinet B, Slide 354 (erroneously referred to
in chain of title as Plat  Cabinet  B,  Slide  435),  in the  aforesaid  Clerk's
Office.

                                       10
<PAGE>

                                   EXHIBIT "B"

      THIS RIGHT OF FIRST REFUSAL,  is effective as of the 1st day of September,
2004, by and between ROBCOR,  LLC, a Kentucky Limited  Liability Company with an
address of 3505 Castlegate  Court,  Lexington,  Kentucky 40502  ("Seller"),  and
INDUSTRIAL  MACHINERY SERVICES,  LLC d/b/a INTERNATIONAL  MACHINERY SERVICES,  a
Kentucky  Limited  Liability  Company,  with an address of 289 Blue Sky Parkway,
Lexington, Kentucky 40509 ("Buyer");

                              W I T N E S S E T H:

      Notice is hereby  given  that  Seller has  granted  Buyer a Right of First
Refusal as of the 1st day of September,  2004 ("the Right"). This Right is given
in conjunction  with a Lease Agreement (the "Lease")  executed by the parties on
the same date. The provisions of the Right are as follows:

      1. Buyer shall have the right, for a period of five (5) years, to purchase
certain real property known as 289 Blue Sky Parkway, Lexington,  Kentucky 40509,
which is more  particularly  described on Exhibit "A"  attached  hereto  ("the
Premises"),  including all buildings and  improvements  thereon owned by Seller,
for the price of $800,000.  Said price is based on an appraisal  conducted by E.
Clark Toleman, MAI, SRPA, which is attached hereto as Exhibit "B",

      2. If, during the term of this Right of First Refusal, Seller receives any
bona fide offer to purchase the  Premises  from a third  party,  Seller,  before
making any sale or any  agreement to sell,  shall notify Buyer in writing of the
proposed purchaser,  including the name of the proposed purchaser,  the terms of
the purchase, and any other relevant information. Buyer, within thirty (30) days
after  receipt of such  notice,  may  exercise  this right by written  notice to
Sellor to that effect,

                                      -1-
<PAGE>

otherwise,  Buyer's right of first refusal shall become null and void.  Any sale
or transfer of the Premises,  or spy part  thereof,  or of any premises of which
the Premises  may be part shall be  expressly  made subject to all of the terms,
covenants and conditions of this Right.

      3. If the buyer  declines  to  exercise  its Right but the Seller does not
consummate  the sale  which  precipitated  the  notice to the Buyer  within  one
hundred  (120) days of the  original  notice to Buyer,  then this Right of First
Refusal shall be restored to the Buyer for the remaining term hereof.

      4. All  notices,  requests,  consents and other  communications  hereunder
shall be in writing,  shall be addressed to the  receiving  party's  address set
forth  below  or to such  other  address  as a party  may  designate  by  notice
hereunder,  and shall be either (i)  delivered by hand,  (ii) sent by recognized
overnight  courier,  (iii) made by telecopy or facsimile  transmission,  or (iv)
sent by registered or certified mail, return receipt requested, postage prepaid.

      If to the Buyer:

            Industrial Machinery Services, LLC
            299 Blue Sky Parkway
            Lexington, KY 40509
            Am: Edward H. Lynch, Jr.
            Fax No.: (859) 233-7713

      With a copy to;

            Vimont & Wills PLLC
            155 E. Main St., Ste. 300
            Lexington, KY 40507
            Attn: Timothy C. Wills, Esq.
            Fax No.: (859) 259-2927

                                      -2-
<PAGE>

      If to the Seller:

            Mike Heitz
            3505 Castlegate Court
            Lexington, KY 40502

      With a copy to:

            Moynahan, Irvin & Smith, PSC
            110 N. Main Street
            Nicholasville, KY 40356
            Attn: Jennifer H. Acklen, Esq.
            Fax No.: (859) 885-2307

      All notices,  requests,  consents and other communications hereunder shall
be deemed to have been given (i) if by hand, at the time of the delivery thereof
to the  receiving  party at the address of such party set forth  above,  (ii) if
sent by  overnight  courier,  on the next  business day  following  the day such
notice  is  delivered  to the  courier  service,  (iii) if made by  telecopy  or
facsimile  transmission,  at the time that receipt thereof has been acknowledged
by  electronic  confirmation  or  otherwise,  or (iv) if sent by  registered  or
certified  mail,  on the fifth  business day  following  the day such mailing is
sent.  The  address  of any party  herein  may be changed at any time by written
notice to the parties.

      IN WITNESS  WHEREOF,  the parties hereto have executed this Right of First
Refusal to be effective as of the day and year first above written.

                                          ROBCOR, LLC

                                          BY: /s/ Michael E. Heitz, member
                                              ----------------------------------
                                              MICHAEL E. HEITZ, Member

                                          BY: /s/ V. Janette Heitz, member
                                              ----------------------------------
                                              V. JANETTE HEITZ, Member

                                      -3-MORTGAGE

      THIS  MORTGAGE  (herein  called  "Mortgage")  is made as of the 9th day of
March,  2005,  by and  between  (i) ROBCOR,  LLC, a Kentucky  limited  liability
company,  with a mailing address of 3505 Castlegate Court,  Lexington,  Kentucky
40502  (hereinafter  referred to as the  "Borrower"),  and (ii) COMMUNITY  TRUST
BANK,  INC., a Kentucky  banking  corporation,  having its office and  principal
place of  business  at 100 East Vine  Street,  Lexington,  Kentucky  40507  (the
"Bank").

                                  INTRODUCTION

      A.  Pursuant  to the terms of that  certain  Loan  Agreement  of even date
herewith  by and  between  Borrower  and Bank (the "Loan  Agreement"),  the Bank
agreed to make a term loan to the Borrower in the face principal  amount of Four
Hundred Ninety Nine Thousand and No/100 Dollars  ($499,000.00) (the "Loan"),  as
evidenced  by that  certain  Term Note of even date  herewith  made by Borrowers
payable  to the order of the Bank in the face  principal  amount of  $499,000.00
(the  "Note") to finance  the  purchase by the  Borrower of certain  real estate
located at 293-301  Blue Sky  Parkway,  located in  Lexington,  Fayette  County,
Kentucky,  as more fully  described in Tract 1 on Exhibit A, attached hereto and
incorporated  herein  by  reference  (referred  to  herein  as the  "Acquisition
Property").

      B.  The  Borrower  desires  to grant a lien to the  Bank as  security  for
payment  of the Note and for other  obligations  more  fully  described  herein,
pursuant to the terms of this Mortgage.

      C. The  maturity  date of the Note is March 9,  2008,  which  shall be the
maturity date of this Mortgage.

GRANTING CLAUSES

      NOW,  THEREFORE,  in  consideration  of the  Loan and for  other  good and
valuable  consideration,  the receipt and  sufficiency of which Borrower  hereby
acknowledges, and to secure (i) payment of the Note and all extensions, renewals
and modifications thereof, (ii) all obligations of the Borrower hereunder, under
the Loan Agreement,  and under the "Loan Documents",  as that term is defined in
the "Loan Agreement";  and (iii) all other obligations,  whether now existing or
hereafter  arising,  of the  Borrower to the Bank  (collectively,  the  "Secured
Obligations"),  Borrower does hereby irrevocably grant, bargain and sell, convey
and  confirm,  mortgage,  transfer  and  assign to the Bank,  all the  following
described property whether now owned or held or hereafter acquired by Borrower:

      (a) That certain  parcel of real property  located in  Lexington,  Fayette
County,  Kentucky more particularly described on Exhibit "A" attached hereto and
made a part hereof, which includes the Acquisition Property and another tract of
land owned by the Borrower at 261-289 Blue Sky Parkway, Lexington, Kentucky (the
"Ancillary Property") (the Acquisition Property and the Ancillary Property being
hereinafter collectively referred to as the "Real Property").
<PAGE>

      (b) All leases,  subleases and licenses now existing or hereafter  made of
all or any  part of the Real  Property,  and the  rents,  revenues,  avails  and
receivables  therefrom,  security and other deposits thereunder,  any award made
hereafter to Borrower in any court proceeding involving any lessee, sublessee or
licensee or in any bankruptcy, insolvency,  reorganization or similar proceeding
in any court, and any payment made by any lessee, sublessee or licensee in place
of rent for any such property.

      (c) All of the  estate,  title and  interest  of  Borrower  in and, to all
buildings,   structures,   streets,  parking  lots,  sidewalks,  curbs,  utility
distribution  systems,  lighting and other improvements of every kind and nature
whatsoever now or hereafter constructed or located in or about the Real Property
and all gas and electric fixtures,  radiators,  heaters, machinery,  ranges, and
motors, plumbing and heating fixtures, carpeting and other floor coverings, fire
extinguishers and any other safety equipment required by governmental regulation
or law, water heaters,  mirrors,  air  conditioning  apparatus,  window screens,
awnings and storm  sashes,  which are or shall be  attached  to said  buildings,
structures  or  improvements  and all other  furnishings,  furniture,  fixtures,
machinery, equipment,  appliances, building supplies and materials, and personal
property of every kind and nature  whatsoever now or hereafter owned by Borrower
and  located  in,  on or  about,  or used  or  intended  to be  used  with or in
connection  with the  construction,  use,  operation  or  enjoyment  of the Real
Property  and all  improvements  thereto  and  also  including  all  extensions,
additions,   improvements,   betterments,   after-acquired  property,  renewals,
replacements and substitutions,  or proceeds from a permitted sale of any of the
foregoing,  and all the  right,  title  and  interest  of  Borrower  in any such
furnishings,  furniture, fixtures, machinery, equipment, appliances and personal
property  subject  to or covered by any prior  security  agreement,  conditional
sales  contract,  chattel  mortgage or similar lien or claim,  together with the
benefit of any  deposits or  payments  now or  hereafter  made by Borrower or on
behalf of Borrower (all of the foregoing is  collectively  referred to herein as
the  "Improvements").  The location of the  Improvements  is the location of the
Real Property.

      (d) All (i)  easements,  tenements,  privileges,  advantages,  accessions,
hereditaments   and   appurtenances   belonging,   benefitting  or  in  any  way
appertaining to the Real Property and other property described in these granting
clauses and all  Improvements now or hereafter  located thereon,  and the rents,
issues and  profits  thereof,  and (ii) the  reversions,  remainders,  earnings,
revenues, rents, issues and profits thereof.

      (e) All proceeds derived from any taking by condemnation or eminent domain
or similar proceedings or transfer in place or in anticipation  thereof, and all
insurance   proceeds  from  insurance  policies  resulting  from  damage  to  or
destruction  of, all or any part of the  properties  described in these granting
clauses  and all  Borrower's  right  title  and  interest  in all  contracts  or
agreements to sell all or any portion of the Real Property or improvements.

      TO HAVE AND TO HOLD all such Real Property, the Improvements and all other
property and rights described in the above granting clauses (collectively herein
called the  "Mortgaged  Property")  unto the Bank,  its  successors and assigns,
forever. The lien of this Mortgage shall be a

                                      -2-
<PAGE>

first and prior lien on, and security  interest in, the  Mortgaged  Property for
the  benefit  of the  Bank to  secure  the  Secured  Obligations  including  the
compliance by Borrower with all the terms,  covenants and conditions of, and its
obligations  hereunder,  under the Note, the Loan Agreement,  and the other Loan
Documents.

      PROVIDED,  HOWEVER,  that if Borrower shall pay or cause to be paid to the
Bank  all  amounts  due and  payable  under  the  Note,  and the  other  Secured
Obligations  and the lending  obligations of the Bank are  terminated,  then and
thereafter, Bank, upon receipt of a written request from Borrower, shall, at the
expense of Borrower, release and discharge the lien of this Mortgage of record.

      THIS MORTGAGE  FURTHER STATES,  and Borrower  hereby  covenants and agrees
with the Bank as follows:

      1. Definitions.  The terms defined in this Section shall have the meanings
stated in this  Section for all purposes of this  Mortgage,  except as otherwise
expressly provided or unless the context clearly otherwise requires. Other terms
are defined elsewhere in this Mortgage

            1.1  "Buildings"  means the  buildings  or other  structures  now or
hereafter  located on the Real Property and all  replacements  or  substitutions
therefor and enlargements, alterations or additions thereto.

            1.2  "Default  Rate" shall have the same  meaning as given it in the
Note.

            1.3 "Event of Default"  means any event  described  in Section 11 of
this Mortgage.

            1.4 "Impositions" means all taxes,  assessments (including,  without
limitation,  all assessments for public improvements or benefits, whether or not
commenced  or  completed  prior  to the date  hereof  and  whether  or not to be
completed while this Mortgage remains in effect),  ground rents, water, sewer or
other rents,  rates and charges,  excises,  levies,  license fees, sales, use or
privilege  taxes or  license  fees,  permit  fees,  inspection  fees  and  other
authorization  fees and other charges (other than any income,  excess profits or
franchise  taxes of Borrower  determined  on the basis of its general  income or
revenues),  in each case whether general or special,  ordinary or extraordinary,
or foreseen or  unforeseen,  of every  character  (including  all  penalties  or
interest  thereon),  which at any time while this Mortgage remains in effect may
be assessed,  levied, confirmed or imposed on or in respect of or be a lien upon
(a) the  Mortgaged  Property  or any part  thereof  or any rent or other  income
therefrom or any estate, right or interest therein, or (b) any occupancy, use or
possession of the Mortgaged Property or any part thereof.

            1.5 "Insurance  Requirements"  means all provisions of any insurance
policy covering or applicable to the Mortgaged Property or any part thereof, all
requirements  of  the  issuer  of  any  such  policy,  and  all  orders,  rules,
regulations and other  requirements  of the National Board of Fire  Underwriters
(or any other body exercising similar functions) applicable to or affecting the

                                      -3-
<PAGE>

Mortgaged  Property or any part thereof or any use or condition of the Mortgaged
Property or any part thereof.

            1.6 "Legal  Requirements"  means all laws,  statutes,  codes,  acts,
ordinances,   orders,  judgments,  decrees,  injunctions,   rules,  regulations,
permits,  licenses,  authorizations,  directions and requirements of any and all
governments,  departments,  commissions, boards, courts, authorities,  agencies,
officials  and  officers,  whether  foreseen or  unforeseen,  ordinary or extra-
ordinary,  which now or at any time hereafter may be applicable to the Mortgaged
Property or any part thereof, or any of the adjoining  sidewalks,  curbs, vaults
and  vault  space,  if any,  streets  or ways,  or any use or  condition  of the
Mortgaged Property or any part thereof.

            1.7  "Mortgaged  Property"  means  all of the  property  and  rights
described in the granting clauses of this Mortgage.

            1.8 "Permitted  Encumbrances" means only the charges,  encumbrances,
easements,   reservations,   restrictions,   encroachments,  and  other  defects
affecting  the Mortgaged  Property on the date of this Mortgage  which have been
approved by the Bank and allowed pursuant to the terms of the Loan Agreement.

            1.9 "Real  Property"  means those  certain  parcels of real property
owned by Borrower,  located in Lexington,  Fayette  County,  Kentucky,  and more
particularly described on Exhibit "A" attached hereto and made a part hereof.

            1.10 "Taking"  means (a) any taking while this  Mortgage  remains in
effect of any  interest  in any of the  Mortgaged  Property as the result of the
exercise  of the power of  condemnation  or eminent  domain,  or (b) any sale or
other transfer of any such interest, which may be made by Borrower only with the
prior written consent of Bank, in lieu of the impending exercise of the power of
condemnation or eminent domain, to any person legally empowered to exercise such
power, or (c) a change of grade affecting the Real Property or any part thereof.

            1.11  "Total  Taking"  has the  meaning  set forth in  Section  10.6
hereof.

      2.  Warranties.  (a) Borrower  warrants and represents to Bank that it has
taken all  action  necessary  (i) to make the  Secured  Obligations  the  valid,
binding and legal  obligation  of Borrower,  (ii) to make this Mortgage a valid,
binding and legal  instrument  for the  security of the Secured  Obligations  in
accordance with their respective  terms,  and (iii) to authorize,  in accordance
with all applicable requirements, the execution and delivery of this Mortgage.

      (b) Borrower  further warrants and represents to the Bank that at the time
of the  execution  and delivery of this  Mortgage  and at all times  thereafter,
Borrower has and shall have good and  marketable  fee simple title to all of the
Mortgaged Property, subject only to the Permitted Encumbrances,  and is lawfully
and  indefeasibly  seized of the entire estate and property  hereby conveyed and
has full right and power to grant,  convey and  mortgage  all of the same to the
Bank.

                                      -4-
<PAGE>

      (c) Borrower  warrants  generally,  and with covenants of general warranty
and against encumbrances other than the Permitted Encumbrances, and shall defend
the title to the  Mortgaged  Property to the Bank against all claims and demands
whatsoever by any person or entity, at law, in equity or otherwise.

      3. Further Assurances.  Borrower, at its expense, shall deliver and record
and cause to be delivered  and recorded all such further  assurances as the Bank
shall require to assure and confirm the  Mortgaged  Property as security for the
Secured  Obligations,  and  Borrower  shall  execute and deliver to the Bank all
mortgages,  assignments,  and  the  like  as may be  requested  by the  Bank  in
connection  therewith,  and  Borrower  will pay all filing and  recording  fees,
taxes, charges and the like in connection therewith.

      4.  Payment.  Borrower  shall pay all  amounts due or to become due on the
Secured  Obligations  at the dates and place and in the manner  provided  in the
documents and instruments evidencing the Secured Obligations.

      5.  Payment of  Impositions.  Subject to the terms of Section  8.2 hereof,
Borrower  will  duly  and  punctually  pay or  cause  to be  paid  in  full  all
Impositions before any fine, penalty,  interest or cost may be added thereto for
non-payment thereof,  even if any such Imposition may otherwise at the option of
Borrower be paid in  installments.  Borrower will furnish to the Bank,  promptly
upon the Bank's request,  official receipts for, or other satisfactory  evidence
of, payment of all Impositions in accordance with the terms hereof.

      6.  Maintenance and Repair.  Borrower shall cause the  construction of any
Improvements  and related site work to be  performed  in a good and  workmanlike
manner in  accordance  with  plans and  specifications  approved  by the Bank in
writing prior to the commencement of any such improvement and in all respects in
compliance  with  all  applicable  laws,   rules,   permits,   requirements  and
regulations  of any  governmental  agency  or  authority  having  or  exercising
jurisdiction over the Mortgaged Property or such improvements.

      7. Sale of Mortgaged Property by Borrower.  Any conveyance of the whole or
any part of, or interest in, the Mortgaged Property,  whether by deed, contract,
or otherwise, or lease of the same or in the event of any transfer or conveyance
of an ownership interest in Borrower,  without the Bank's prior written consent,
shall be  deemed to  increase  the risk of the Bank,  and Bank may  declare  the
entire  unpaid  balance of the Secured  Obligations  to be  immediately  due and
payable.  The  execution  and  delivery  by the  Borrower  of any joint  venture
agreement,  partnership  agreement,  declaration of trust,  option  agreement or
other  instrument  under  which  any  other  person or  corporation  may  become
entitled,  directly  or  indirectly,  to  the  possession  or  enjoyment  of the
Mortgaged  Property,  or the income or other  benefits  derived or to be derived
therefrom,  shall in each case be deemed to be a conveyance or assignment of the
Borrower's  interest in the Mortgaged Property for the purposes of this Section,
and shall require the prior written consent of the Bank.

                                      -5-
<PAGE>

      8. Compliance with Legal and Insurance Requirements.

            8.1 Proper Compliance.  Subject to Section 8.2 hereof,  Borrower, at
its expense,  shall promptly and timely comply with all Legal  Requirements  and
Insurance  Requirements,  whether  or not  compliance  therewith  shall  require
structural  changes in any of the  Improvements  or  interfere  with the use and
enjoyment of any of the  Mortgaged  Property,  and shall  procure,  maintain and
comply with all permits,  licenses and other authorizations required for any use
of the Mortgaged  Property or any part thereof as  contemplated or as then being
made, and for the proper  erection,  installation,  operation and maintenance of
any Improvements, whether now or in the future.

            8.2 Permitted Contests.  Borrower,  at its expense,  may contest, or
cause to be contested,  by appropriate legal or other  proceedings  conducted in
good faith and in a timely fashion, the amount, validity and/or application,  in
whole or in part, of any Imposition or Legal Requirement.

      9. Liens and Restrictions.

            9.1 Liens.  Borrower will not directly or indirectly create,  assume
or permit to be created or to remain any mortgage,  lien,  encumbrance or charge
on, pledge or security  interest in or conditional sale or other title retention
agreement  with  respect to the  Mortgaged  Property or any part  thereof or the
interest  of  Borrower  or the Bank  therein,  whether  now  owned or  hereafter
acquired, or any rents, income or other sums arising from the Mortgaged Property
or any part thereof or Borrower's business  operations in connection  therewith,
other than any Permitted Encumbrance. Borrower shall discharge any mechanic's or
materialman's  liens on the Mortgaged Property or any part thereof within thirty
(30) days after the filing of same.

            9.2  Restrictions.  Borrower  covenants and agrees that it shall not
enter  into,  impose  upon or grant any  covenants,  restrictions  or  easements
relating to the  Mortgaged  Property or any  portion  thereof  without the prior
written consent of the Bank,  which consent shall not be unreasonably  withheld.
In any event all such covenants, restrictions and easements shall be subordinate
to the lien in favor of the Bank created hereby.  Borrower further covenants and
agrees not to  subdivide  or record any plat or commit to any  development  plan
relating to the  Mortgaged  Property or any portion  thereof,  without the prior
written consent of the Bank, or amend or modify any existing plat or development
plan without the prior written consent of the Bank.

      10. Insurance.

            10.1 Risks to be Insured.  Borrower, at its expense,  shall maintain
with insurers  approved by the Bank (a) builder's risk insurance,  (b) insurance
with  respect  to any  completed  Improvements  against  loss or damage by fire,
earthquake,  and  casualty  and  against  such other  risks as are  included  in
coverage of the type now known as extended  coverage,  in amounts  sufficient to
prevent  Borrower or the Bank from  becoming  co-insurers  under the  applicable
policies,  and in any event in an  amount  equal to the full  replacement  value
thereof, and in no event less than

                                      -6-
<PAGE>

$6,000,000.00,  (c)  comprehensive  general public liability  insurance  against
claims for personal injury, death or property damage,  occurring on, in or about
the Mortgaged  Property or relating in any way to the Mortgaged  Property,  with
combined,  single  limits of not less than  $1,000,000.00  in respect of any one
occurrence,  (d)  where  required  by  law,  appropriate  worker's  compensation
insurance or other insurance against liability arising from the claim of workers
in respect  of any work on or about the  Mortgaged  Property  and (e) such other
insurance  with respect to the Mortgaged  Property,  in such amounts and against
such  insurable  hazards  as the  Bank  from  time to time  may  require  in its
discretion by written notice to Borrower.

            10.2  Policy  Provisions.   All  insurance  maintained  by  Borrower
pursuant  to Section  10.1  hereof,  (a) shall name the Bank as insured and loss
payee as its  interest may appear,  (b) shall  provide that the proceeds for all
losses, except in the case of public liability insurance, be payable to the Bank
for  application  as  provided  in this  Mortgage,  (c)  shall  provide  that no
cancellation,  reduction  in amount,  amendment  or change in  coverage or terms
thereof shall be effective  until at least thirty (30) days after receipt by the
Bank of written notice thereof from the insurer,  and (d) shall be  satisfactory
in all other respects to the Bank.  All such  insurance may be maintained  under
blanket  policies  carried by Borrower and covering the  Mortgaged  Property and
other  property or assets  owned by Borrower and not subject to the lien of this
Mortgage,  provided that any such policy shall provide that the full face amount
(or sub-limit)  thereof shall be applicable to the Mortgaged Property and shall,
in all other  respects,  comply with all the  requirements  of Sections 10.1 and
10.2 hereof.

            10.3  Delivery  of  Policies  and Other  Provisions.  Borrower  will
deliver to the Bank the  original or  certified  copies of all  policies and all
renewals (at least thirty (30) days prior to the  expiration  date of the policy
being renewed)  evidencing all insurance required to be maintained under Section
10.1 hereof and, if required by any supervisory  authority  having  jurisdiction
over the Bank, the originals of all policies evidencing such insurance, together
with proof of payment of all  premiums  therefor  for at least six (6) months in
advance from the issue date or renewal date thereof,  as the case may be. In the
event  Borrower  shall fail to effect or maintain any  insurance  required to be
effected or  maintained  pursuant  to the  provisions  of Section  10.1 and 10.2
hereof, and in addition to constituting an Event of Default hereunder,  Borrower
will  indemnify the Bank against  damage,  loss or liability  resulting from all
risks  against  which such  insurance  should have been  effected or  maintained
pursuant to the terms of this Mortgage.

            10.4  Notice  of  Damage,  Destruction  or  Taking.  In  case of any
material damage to or destruction of the Mortgaged Property, any Improvements or
any part thereof, or in case of any Taking, Borrower shall promptly give written
notice thereof to the Bank. In case of any Taking or any damage or  destruction,
Borrower  and the Bank may appear in such  proceedings  or  negotiations  and be
represented  by their  respective  counsel for the purpose of  protecting  their
respective  interests  hereunder,  and  Borrower  will pay all  costs,  fees and
expenses  incurred by the Bank in connection  with any Taking or any such damage
or  destruction  and in seeking  and  obtaining  any award or payment on account
thereof, including but not limited to the Bank's attorneys' fees and appraiser's
fees and court costs.  All awards and payments on account of any partial  Taking
(less the actual

                                      -7-
<PAGE>

costs,  fees and  expenses  incurred in the  collection  thereof,  for which the
person  incurring same shall be reimbursed from such award and payment) shall be
payable to the Bank for application to the Secured Obligations in such order and
in such  amounts  as the  Bank  shall  determine  in the  exercise  of its  sole
discretion. In case of any damage to or destruction of the Mortgaged Property or
any part  thereof,  Bank  shall make the net  amount of all  insurance  proceeds
actually  received by the Bank available for the restoration of the Improvements
affected by such loss or damage, subject to the following conditions:

            (i) No Event of Default hereunder shall then be in existence;

            (ii) The Bank  shall  first be given  satisfactory  proof  that such
Improvements  have been fully  restored as nearly as  practicable to the general
utility thereof prior to such damage or  destruction,  or that by application of
such  proceeds  they will be so fully  restored,  free and  clear of all  liens,
except the Permitted Encumbrances and this Mortgage, and the Improvements can be
fully  reconstructed  and  completed  within a reasonable  time as determined by
Bank;

            (iii)  If  such  proceeds  shall  be  insufficient  to  restore  the
Improvements  fully,  Borrower  shall  furnish  and deposit  with Bank  security
satisfactory  to the Bank in its sole  discretion  to assure  that funds will be
available when required for such purpose;

            (iv) If Borrower  shall fail within a reasonable  time so to restore
the Improvements, the Bank, at its sole option, (a) may restore the Improvements
with such proceeds and awards for and on behalf of Borrower,  and may do any act
or thing as agent of Borrowers  necessary or appropriate to that end, or (b) may
apply such proceeds to the payment of the Secured  Obligations  in such order as
the Bank may elect, in its sole discretion;

            (v) Bank shall hold the proceeds in escrow and disburse the funds in
accordance with a construction draw schedule  acceptable to Bank, subject to (a)
Bank's  approval of the plans,  specifications  and contracts for such repair or
restoration,  and there being  sufficient  funds for such repair or restoration,
(b) receipt of evidence  reasonably  satisfactory to Bank that the amounts to be
disbursed are due and owing for work  performed for such repair or  restoration,
(c) receipt of paid invoices and lien waivers  satisfactory  to Bank for amounts
then to be paid; and (d) such other conditions as may be established by the Bank
from time to time; and

            (vi) The excess of insurance  proceeds over the amount  necessary to
complete  restoration of the affected  Improvements  as nearly as practicable to
their general value and utility prior to the damage or destruction thereof shall
be applied by the Bank, at its sole option, to the Secured Obligations,  in such
order as the Bank may elect in its sole discretion.

      In the event any of the above  conditions are not satisfied or if Borrower
elects not to repair such damage or restore such Improvements, and the Bank does
not elect to restore the  Improvements,  all such  insurance  proceeds  shall be
applied at Bank's sole option to the Secured  Obligations  in such order as Bank
may elect in its sole discretion.

                                      -8-
<PAGE>

            10.5  Restoration.  In case of any material damage to or destruction
of the Mortgaged  Property or any part  thereof,  or in case of any Taking other
than a Total  Taking,  Borrower,  at its sole cost and  expense,  will  commence
promptly and complete or will cause the prompt  commencement  and completion of,
with due  diligence,  whether or not the  insurance  proceeds for such damage or
destruction  or the award for such Taking shall be sufficient  for such purpose,
the  replacement,  repair or restoration of the Mortgaged  Property as nearly as
practicable to the value and general utility thereof  immediately  prior to such
damage, destruction or Taking.

            10.6 Total  Taking.  In case of (a) a Taking of all of the Mortgaged
Property,  or (b) a Taking of less than all of the Mortgaged  Property which, in
the good faith judgment of Borrower,  renders  uneconomical for business use the
portion of such Mortgaged Property remaining after such Taking, even if it would
be restored  pursuant to Section  10.5  hereof  (any such  Taking  being  herein
referred to as a "Total Taking"),  or in any other instance where Borrower shall
not commence and diligently pursue  restoration of the Mortgaged Property or any
Improvements after a Taking or any damage or destruction,  then Borrower, within
sixty (60) days after such Total Taking, Taking or damage or destruction, as the
case may be,  Bank will  apply any  proceeds  that  either  would  otherwise  be
entitled to retain or obtain to the  prepayment  of the Secured  Obligations  in
such order as the Bank may elect in its sole discretion.

            10.7  Application of Proceeds  After  Default.  If and so long as an
Event of Default shall have occurred and be continuing  hereunder,  the Bank may
hold all net awards payable on account of any Taking and all insurance  proceeds
on account  of any  damage to or  destruction  of any  portion of the  Mortgaged
Property as part of the  Mortgaged  Property and may, at its sole option,  apply
the same to the Secured  Obligations  in such order as the Bank may elect in its
sole discretion.

            10.8 Security Interest.  Borrower hereby grants the Bank a first and
prior  security  interest  in and lien on all funds at any time held by the Bank
pursuant to this Section 10 to secure the Secured Obligations.

      11.  Defaults.  Each of the following events shall constitute an "Event of
Default" under this Mortgage:

      (a) If any  installment  of  interest or  principal  under the Note or any
other Secured  Obligation is not paid in full when the same shall become due and
payable and such failure continues beyond any applicable grace period;

      (b) The  Borrower  shall fail to observe or perform any one or more of the
other terms, covenants or other obligations on the part of Borrower set forth in
this  Mortgage and such default  (excluding  defaults  relating to the covenants
contained in Sections 7 and 10.1  hereof,  for which there shall be no notice or
cure  period) is not fully cured  within  fifteen (15) days after Bank has given
written notice thereof to Borrower.

                                      -9-
<PAGE>

      (c) Any representation or warranty of Borrower set forth in this Mortgage,
or any document executed in connection with the Loan shall prove to be incorrect
or misleading in any material respect.

      (d) Any "Event of Default"  under the Loan  Agreement  or any of the other
Loan Documents.

      12. Remedies Upon an Event of Default.  If any Event of Default shall have
occurred and be continuing,  then, at the Bank's sole election, (a) the Bank may
proceed  to protect  and  enforce  its rights by an action at law,  in equity or
other  appropriate  proceeding,  whether  for the  specific  performance  of any
agreement contained herein, or for an injunction against the violation of any of
the terms,  conditions  or provisions  hereof,  or in aid of the exercise of any
power  granted  hereby  or by law,  (b) the Bank may at any time or from time to
time  proceed at law or in equity or  otherwise to enforce the lien and security
interest of this Mortgage as against all or any part of the Mortgaged  Property,
as the Bank may elect in the exercise of its sole  discretion,  (c) the Bank may
declare the entire  amount of the Note or other Secured  Obligations  (or any of
them) and all interest thereon, or, at its option, any part of the foregoing, to
be  accelerated  and  immediately  due and payable,  without  further  demand or
notice,  and/or (d) the Bank may pursue all other rights and remedies  available
to Bank  hereunder or at law or in equity.  The Bank shall also be entitled as a
matter of right, to the extent  permitted by law, without regard to the adequacy
of  the  security  for  the  Note  and  other  Indebtedness,  to  the  immediate
appointment  of a receiver for the Mortgaged  Property and of the rents thereof,
by a court with proper  jurisdiction  with all such other powers as the court(s)
making such  appointment  shall  confer,  and the Bank,  or any of its agents or
employees,  may serve as such  receiver.  Borrower shall deliver to the receiver
appointed,  or the Bank if it takes possession of the Mortgaged  Property or any
part thereof,  all original plans and specifications for the Mortgaged Property,
records, books, security deposits,  leases,  agreements, and all other materials
whatsoever  relating to the construction or operation of the Mortgaged Property.
All remedies  hereunder shall be cumulative to the greatest extent  permitted by
law. If any Event of Default  hereunder  shall occur,  Borrower  will pay to the
Bank such further  amount as shall be sufficient to reimburse the Bank fully for
all costs and expenses of collection of the Secured  Obligations and enforcement
of any  security  for the Secured  Obligations,  including  without  limitation,
Bank's fees and expenses for enforcing  this  Mortgage or any rights  hereunder,
its reasonable attorneys', accountants' and appraisers' fees and expenses, court
costs,  and  any  taxes,  and  fees or  governmental  charges  incident  to such
enforcement of rights and collection.

      13. Right of Bank to Perform Borrower's Covenants.  If Borrower shall fail
to make any payment or perform any act  required to be made or  performed  by it
hereunder, including, but without limitation, the payment of all Impositions and
premiums for insurance referred to herein, the Bank, upon five (5) business days
prior written  notice to Borrower (or without notice in the event of a situation
which,  in Bank's  sole  discretion,  requires  immediate  action),  and without
waiving or releasing  any  obligation of Borrower or curing any default or Event
of  Default  hereunder,  may (but shall be under no  obligation  to) at any time
thereafter  make such  payment or perform  such act for the  account  and at the
expense of Borrower and may enter upon any or all of the Mortgaged Property and

                                      -10-
<PAGE>

take all such  actions  as, in the Bank's  sole  opinion,  may be  necessary  or
appropriate  therefor or in connection  therewith to protect the Bank's interest
in the Mortgaged  Property.  No such entry and no such action shall be deemed an
eviction of  Borrower.  All sums so paid by the Bank and all costs and  expenses
(including,  without limitation, its reasonable attorneys' fees and expenses) so
incurred by the Bank,  together  with  interest  thereon at the Default Rate set
forth in the Note from the date of payment by the Bank, shall be secured by this
Mortgage,  and shall be paid by Borrower  to the Bank on demand.  The Bank shall
not be liable to Borrower  for or as a result of any actions  taken or not taken
pursuant to the terms of this Section 13.

      14.  Waivers  and  Modifications.  The  Bank may (i)  extend  the time for
payment of the Note (or any of them) or Secured Obligations, (or any of them) or
any part thereof,  or any interest thereon,  (ii) waive,  modify or amend any of
the terms,  covenants or conditions contained in any loan document,  in whole or
in part,  at the request of Borrower or of any person  having an interest in the
Mortgaged  Property  or any part  thereof,  (iii)  accept  one or more  Notes in
replacement  or  substitution  of the Note,  (iv) release  and/or consent to the
release  of all or any  part of the  Mortgaged  Property  from  the lien of this
Mortgage,  (v) take or release other security,  (vi) release any party primarily
or secondarily  liable on the Secured  Obligations or hereunder or on such other
security,  (vii) grant  extensions,  renewals or indulgences  therein or herein,
(viii)  apply to the  payment  of the  principal  and  interest  of the  Secured
Obligations  any part or all of the  proceeds  obtained by sale or  otherwise as
provided  herein,  without resort or regard to other security,  or resort to any
one or more of the  securities or remedies  which the Bank may have and which in
its absolute  discretion it may pursue for the payment of all or any part of the
Secured Obligations,  in such order and in such manner as it may determine,  all
without in any way  releasing  Borrower or any party  primarily  or  secondarily
liable from any of the terms,  covenants or conditions of this Mortgage,  or any
other document, and without releasing the unreleased Mortgaged Property from the
lien of this Mortgage. None of the foregoing waivers,  consents or modifications
shall be effective unless in writing signed by Bank, and, in any event, shall be
strictly construed.

      15.  Notices,  Demands  and  Requests.  All  notices,  demands or requests
provided  for or permitted  to be given  pursuant  hereto must be in writing and
shall be deemed  to have been  properly  given or  served by  depositing  in the
United  States  Mail,  postpaid  and  registered  or  certified  return  receipt
requested,  or delivered to a national  overnight  carrier,  delivered  the next
business day, and addressed to the addresses below:

      If to Bank:       Community Trust Bank, Inc.
                        Attn: Mr. T. Wayne Stefanovich
                               Vice-President
                        100 East Vine Street
                        Lexington, Kentucky 40507

      If to Borrower:   Robcor, LLC
                        Attn: Michael E. Heitz
                        3505 Castlegate Court
                        Lexington, Kentucky 40502

                                      -11-
<PAGE>

All notices, demands and requests shall be effective upon being deposited in the
United States Mail or with the overnight carrier in accordance herewith.

      16.  Applicable  Law. The Note and this Mortgage  shall be governed by and
construed in accordance with the laws of the Commonwealth of Kentucky.

      17. Successors and Assigns. The terms and conditions agreed to by Borrower
and the  covenants  of  Borrower  herein  shall be  binding  upon  the  personal
representatives, successors and assigns of Borrower.

      18.  Miscellaneous.  Whenever  used herein the singular  shall include the
plural and the plural the  singular.  The use herein of any gender shall include
all genders. The Section headings used herein are for convenience only and shall
not be deemed to  restrict  or modify the terms and  provisions  of any  Section
hereof.  All  Exhibits  to this  Mortgage  are  incorporated  herein  in fall by
reference above the signature of Borrower to this Mortgage.

      19. Time of Essence.  Time shall be of the essence in the  performance  of
all Borrower's covenants and agreements set forth in this Mortgage.

      20.  Severability.  The invalidity or unenforceability of any provision of
this  Mortgage  in general  or in or to any  particular  circumstance  shall not
affect the validity or enforceability of any one or more of the other provisions
of this  Mortgage  or the  validity  of such  provision  as applied to any other
circumstance.  The parties  agree that this  Mortgage and all of the  provisions
hereof  shall be  interpreted  so as to give  effect and  validity to all of the
provisions hereof to the fullest extent permitted by law.

      21.  Limitation.  Notwithstanding  the other terms of this  Mortgage,  the
right of the Bank to enforce the terms of this  Mortgage  against the  Ancillary
Property  shall  be  limited  to  $100,000.00,  plus  interest,  late  fees  and
reasonable costs incurred by the Bank in collecting such amount.

      IN WITNESS WHEREOF,  Borrower has caused this Mortgage to be duly executed
on its behalf as of the day, month and year first above written.

                              ROBCOR, LLC, a Kentucky limited liability company

                              BY:
                                 -----------------------------------------------
                                 MICHAEL E. HEITZ, Member

                              BY:
                                 -----------------------------------------------
                                 VIOLA J. HEITZ, Member

                                 ("Borrower")

                                      -12-
<PAGE>

COMMONWEALTH OF KENTUCKY      )
                              )SS:
COUNTY OF FAYETTE             )

      The foregoing  instrument was acknowledged before me this 9th day of March
2005, by Michael E. Heitz and Viola J. Heitz,  as the members of Robcor,  LLC, a
Kentucky limited liability company, on behalf of the limited liability company.

      My commission expires: ________________________________________.

                                                --------------------------------
                                                NOTARY PUBLIC, KENTUCKY,
                                                STATE AT LARGE

THIS INSTRUMENT PREPARED BY:

--------------------------------
GLENN A. HOSKINS
GLENN A. HOSKINS, P.S.C.
1077 Eastland Drive
Lexington, Kentucky 40505
(859) 231-1077
GAH/050580gh

                                      -13-
<PAGE>

                                   EXHIBIT "A"

            TRACT 1:

            All of Lot Nos. A and B,  Tract C of Bluesky  Industrial
            Estates Subdivision to the City of Lexington as shown by
            plat  thereof of record in Plat Cabinet A, Slide 660, in
            the Fayette County Clerk's Office;  and known as 293 and
            301 BLUE SKY PARKWAY; and

            BEING the same  property  conveyed  to  Robcor,  LLC,  a
            Kentucky   limited   liability   company,   by   Skilton
            Enterprises,  LLC, a Kentucky limited liability company,
            through  deed dated  March __,  2005,  of record in Deed
            Book ___, Page ___, in the Fayette County Clerk's Office
            (and recorded simultaneously herewith).

            TRACT 2:

            Being all of  parcels  2-A and 3-A of Tract "C" Blue Sky
            Industrial Estate Subdivision,  as shown by plat thereof
            of  record  in Plat  Book 25,  Page 37,  Fayette  County
            Clerk's Office,  as further reflected on a Consolidation
            Record  Plat of a portion  of said  Blue Sky  Industrial
            Estates  Tract  "C",  dated  August 30,  1974,  said two
            tracts  containing in the aggregate 3.996 acres of land;
            being  further  described as all of Lots AA, BB, CC, DD,
            EE,  FF,  GG, HH, II, JJ, KK, and LL as shown by amended
            record plat of a portion of Blue Sky Industrial Estates,
            Tract "C",  Parcels  2-A & 3-A,  appearing  of record in
            Plat  Cabinet B, Slide 453  (erroneously  referred to in
            chain of title as Plat  Cabinet  B, Slide 435 and in the
            previous  deed as Plat  Cabinet  B, Slide  354),  in the
            aforesaid clerk's office; the improvements thereon being
            known and designated as 261-289 BLUE SKY PARKWAY; and

            BEING the same  property  conveyed  to  Robcor,  LLC,  a
            Kentucky limited liability company, by BFI Waste Systems
            of North America, Inc., a Delaware corporation,  through
            deed dated March 20, 2003,  of record in Deed Book 2350,
            Page 508, in the Fayette County Clerk's Office.

GAH/050673gh
<PAGE>

                                 LOAN AGREEMENT

      THIS LOAN AGREEMENT (herein this "Loan  Agreement") is made,  entered into
and effective as of the 9th day of March, 2005, by and among (i) COMMUNITY TRUST
BANK, INC., a Kentucky banking corporation, having a mailing address of 100 East
Vine Street, Lexington, Kentucky 40507 (the "Bank") (ii) ROBCOR, LLC, a Kentucky
limited  liability  company,  with a mailing address of 3505  Castlegate  Court,
Lexington, Kentucky 40502 (the "Borrower"), and (iii) MICHAEL E. HEITZ and VIOLA
J. HEITZ both individual  residents of Kentucky,  with a mailing address of 3505
Castlegate Court,  Lexington,  Kentucky 40502  (collectively,  the "Guarantors",
whether one or more).

                                    RECITALS:

      A.  Borrower  desires to obtain  from the Bank a term loan in the  maximum
principal  amount of $499,000.00 (the "Loan") to finance the purchase of certain
commercial property known and designated as 293-301 Blue Sky Parkway, Lexington,
Fayette County,  Kentucky,  which is more fully described on Exhibit A, attached
hereto and incorporated  herein by reference (referred to herein collectively as
the "Property").

      B. The Bank  desires to grant to the  Borrower the Loan upon the terms and
conditions set forth or referred to herein.

      C. In order to induce the Bank to enter into this Loan Agreement,  without
which  inducement  the Bank would be  unwilling  to take the  actions  described
herein,  and in  consideration  of the benefits it will receive  therefrom,  the
Guarantor is willing and desires to unconditionally  guaranty all obligations of
the Borrower and to make the agreements set forth or referred to herein.

      NOW, THEREFORE,  in consideration of the Recitals and the mutual covenants
and agreements  set forth herein and for other good and valuable  consideration,
the  receipt  of which is  hereby  acknowledged,  the  parties  hereby  agree as
follows:

1.    Definitions.  The following terms shall have the meanings set forth below.
      Other terms used herein are defined elsewhere in this Loan Agreement.

      a.    "Bank"  means  Community  Trust  Bank,   Inc.,  a  Kentucky  banking
            corporation, or any successor holder of the Note.

      b.    "Borrower" means Robcor, LLC, a Kentucky limited liability company.

      c.    "Borrowing  Rate"  means the Prime Rate in effect from time to time,
            calculated  on the basis of an assumed  360-day  year for the actual
            number of days elapsed.
<PAGE>

      d.    "Business  Days"  means  all  calendar  days  excluding   Saturdays,
            Sundays,  legal  holidays of the United States  Government and other
            days on which the Bank is not open for the  regular  conduct  of its
            business.

      e.    "Closing"  means the date on which the  disbursement of the proceeds
            of the Loan occurs,  unless  otherwise agreed in writing by the Bank
            and Borrower.

      f.    "Closing Fees" means all amounts necessary to pay all costs, charges
            and expenses  incurred by Bank or Borrower in connection with making
            the Loan, including, but not limited to, title search charges, title
            insurance  premiums,  tax and lien search  charges,  recording fees,
            escrow fees, appraisal fees, inspection and cost analysis fees, real
            property taxes and assessments, permit fees, deposits for utilities,
            brokers' fees, insurance premiums,  survey and engineering fees, and
            attorneys fees and expenses.

      g.    "Event of Default"  means the  occurrence or happening of any one of
            the matters set forth in Section 8 hereof.

      h.    "Improvements"  means the  commercial  properties  described  in the
            Recitals  and  all  other  site  improvements   located  within  the
            Property, and all other buildings, structures,  utilities, signs and
            fixtures now or hereafter located on the Property.

      i.    "Indebtedness" means the Note and also all other indebtedness and/or
            other  obligations  of the  Borrower  to  the  Bank  of  any  nature
            whatsoever,  whether debt,  lease,  contract or  otherwise,  whether
            joint,  several or joint and several,  and whether  represented by a
            note or other  instrument,  or otherwise,  now existing or hereafter
            acquired or arising  either  directly or indirectly by assignment or
            otherwise or pursuant to a guaranty.

      j.    "Guarantors"  means  Michael  E.  Heitz  and  Viola J.  Heitz,  both
            individual residents of Kentucky.

      k.    "Loan Documents"  means this Loan Agreement,  the Note, the Security
            Instruments  and all  other  instruments,  documents  or  agreements
            related to any of the  foregoing.  Any reference  herein to the Loan
            Documents  or  any  particular  Loan  Document  shall  be  deemed  a
            reference to such Loan Document or Loan Documents as the same may be
            amended or modified from time to time by the parties thereto.

      l.    "Loan" shall have the meaning set out in Recital A.

      m.    "Note" shall have the meaning set out in Section 2.

      n.    "Person"  or  "party"  means any  individual,  sole  proprietorship,
            partnership,   joint  venture,  trust,  limited  liability  company,
            unincorporated organization,  association, corporation, other entity
            or group, institution,  party or government (whether federal, state,
            county, city, municipal or other) or agency or division thereof.

                                       2
<PAGE>

      o.    "Possible Default" means an event,  condition,  or thing which, with
            the lapse of any applicable grace period or the giving of notice, or
            both, would constitute an Event of Default.

      p.    "Prime  Rate"  means at any time the  interest  rate per annum  most
            recently quoted or the highest of any range quoted from time to time
            by The Wall Street Journal  ("WSJ") as the "Prime Rate" or base rate
            on corporate  loans in effect at large U.S. money center  commercial
            banks.  In the event the WSJ ceases to  publish a "Prime  Rate," the
            "Prime Rate" shall be the interest  rate  designated  and  announced
            from time to time by the Bank as its  "Prime  Rate" in effect at its
            principal  office,  although  such rate may not be the  lowest  rate
            available at that particular time on loans of a similar nature.

      q.    "Property"  means the real  property,  Improvements  and all  rights
            appurtenant  thereto  described  on  Exhibit A  attached  hereto and
            incorporated herein by this reference.

      r.    "Security  Instruments"  means  all of the  instruments  and  rights
            securing  the  Indebtedness  as  referred to in Section 4 hereof and
            otherwise.

      s.    Except as  otherwise  provided  herein,  all  accounting  terms used
            herein  shall be  defined  in  accordance  with  generally  accepted
            accounting principles.

      t.    As used  herein,  any gender  includes  all other  genders,  and the
            singular includes the plural and the plural includes the singular.

2.    Amount.  The Bank  hereby  agrees to make the Loan to the  Borrower in the
      maximum  total amount of  $499,000.00,  which shall be disbursed  upon the
      execution of this Loan  Agreement and the  fulfillment  of all  conditions
      precedent  set  forth  herein  or  established  by the Bank at the time of
      execution of this Loan Agreement to be used to refinance the Property. The
      Loan is evidenced by, shall bear interest at the rate  established in, and
      shall be payable and  otherwise be made on the terms set forth in the Term
      Note in the face principal  amount of $499,000.00  made by Borrower to the
      order of the Bank, executed  contemporaneously  herewith, as such Note may
      hereafter be amended,  modified,  extended or renewed (herein the "Note"),
      and on the terms  established in this Loan Agreement.  All payments on the
      Note  shall be made to the  holder  of the Note in  immediately  available
      funds.

3.    Term. The maturity date of the Note (herein the "Maturity Date"), at which
      time all  principal  and accrued but unpaid  interest on the Note shall be
      due and payable, unless earlier payable pursuant to the terms of this Loan
      Agreement or otherwise,  is March 9, 2008.  The Note may be prepaid at any
      time without premium or penalty.

4.    Security for the Indebtedness. The Indebtedness,  including that evidenced
      by the Note,  is and shall be secured by and  entitled to the  benefits of
      all the following:

      a.    Mortgage. The Mortgage (herein the "Mortgage") of even date herewith
            from the Borrower  granting to Bank (i) a first and superior lien on
            the Property and all

                                       3
<PAGE>

            Improvements   located  thereon  ,  and  (ii)  a  second  lien  (and
            assignment  of leases  and  rents)  on that  certain  real  property
            located  at  261-289  Blue Sky  Parkway,  Lexington,  Kentucky  (but
            limited to $100,000.00 plus interest, late fees and reasonable costs
            of collection as to such  property),  and all  improvements  located
            thereon, to secure the Indebtedness.

      b.    Right of  Offset.  The  right of offset  specified  in  Section  9c.
            hereof.

      c.    Security  Agreement.  The Security  Agreement  (herein the "Security
            Agreement")  of even date  herewith  from the  Borrower  to the Bank
            granting the Bank a first and prior  security  interest in all items
            of Borrower's  furniture,  fixtures,  and equipment to be located on
            the Property, as more fully described therein.

      d.    Guaranty.  The unconditional  guaranty of the Guarantor as set forth
            herein,   in  the   Note   and  by   separate   agreement   executed
            contemporaneously therewith.

      d.    Financing  Statement and Fixture Filing. The Financing  Statement(s)
            and Fixture Filing(s)  executed and delivered by the Borrower to the
            Bank contemporaneously with the execution of this Loan Agreement.

      e.    Assignment  of Leases and Rents.  That certain  Assignment of Leases
            and Rents,  covering  the Property  and  Improvements,  of even date
            herewith,  whereby all leases,  rents and profits  from the Property
            and Improvements are assigned to the Bank.

      f.    Other Security.  Other security and instruments,  if any, granted by
            Borrower or any other person or entity to Bank, whether of even date
            herewith or hereafter or heretofore  so granted,  to secure the Note
            or any other Indebtedness.

5.    Conditions  Precedent.  The Bank's  obligations under this Loan Agreement,
      shall be subject to the fulfillment to Bank's  satisfaction prior to or at
      the Closing of each of the  following  Conditions  Precedent  ("Conditions
      Precedent") unless such condition or conditions shall be waived by Bank in
      writing, in the sole discretion of the Bank:

      a.    Resolutions  and  Approvals.  The Borrower  shall furnish  certified
            copies of all consents, resolutions and approvals as may be required
            by the  Bank,  evidencing  approval  of the  execution  of the  Loan
            Documents and the performance of all obligations  contained  therein
            all in form and substance acceptable to the Bank. The Borrower shall
            also furnish copies of the Borrower's Certificates of Existence from
            the State of Kentucky Secretary of State's Office, recorded Articles
            of Organization, and Operating Agreement.

      b.    Legal  Opinion.  The Bank shall have  received a  favorable  written
            opinion of  Borrower's  counsel  acceptable  to the Bank,  dated and
            effective as of the Closing,  addressed  to the Bank  rendering  the
            opinions  required  by  the  Bank,  with  only  such  modifications,
            exceptions, assumptions and qualifications as shall be acceptable to
            the Bank.

                                       4
<PAGE>

      c.    Loan Documents.  All the Loan Documents, and such other documents or
            instruments as the Bank may reasonably require, shall have been duly
            executed  and  delivered,  and  those  instruments  required  to  be
            recorded in any public office are properly recorded.

      d.    Representations,  Warranties and Covenants.  All representations and
            warranties  of the  Borrower  contained  herein  shall  be true  and
            correct  and  Borrower  shall be in  compliance  with all  covenants
            contained in this Loan Agreement.

      e.    Title  Certification.  A title  opinion  letter from a title company
            satisfactory  to the Bank, in a form and with such  endorsements  as
            are required by the Bank,  showing the Mortgage as a first  priority
            lien on 100% of fee simple interest in the Property  subject only to
            such exceptions as the Bank may approve in its sole discretion.

      f.    Survey.  A current  property survey revealing no adverse matters not
            acceptable  to  the  Bank,  certified  by a  licensed  engineer  and
            surveyor approved by the Bank showing all easements,  appurtenances,
            encroachments and containing a legal description of the Property, as
            well  as a plot  plan.  The  Bank  shall  also  be  supplied  with a
            surveyor's  certificate  in a form and  substance  acceptable to the
            Bank.

      g.    Taxpayer  ID  Number.   An   Internal   Revenue   Service   taxpayer
            identification number shall be provided for Borrower.

      h.    Appraisal.  The Bank shall have obtained an acceptable  appraisal of
            the Property and  Improvements  from an appraiser  acceptable to the
            Bank in an amount satisfactory to the Bank.

      i.    (Intentionally Deleted)

      j.    Certificate  Regarding  Hazardous  Substances.  The  Borrower  shall
            deliver to the Bank a certificate  regarding hazardous substances by
            which the Borrower shall agree to, among other things, indemnify the
            Bank for any losses associated with the  environmental  condition of
            the Property.

      k.    Other  Conditions.   Such  other  pre-conditions  as  the  Bank  may
            reasonably establish.

6.    Affirmative  Covenants.  The Borrower  agrees that until the principal of,
      and all  interest  on, the Note shall have been paid in full and this Loan
      Agreement  terminated,  the  Borrower  shall  perform  and observe all the
      following provisions:

      a.    Casualty and Liability Insurance. The Borrower shall:

            1.    Maintain,  or  cause  to  be  maintained,   fire,  earthquake,
                  property damage and public liability insurance on the Property
                  and Improvements, naming

                                       5
<PAGE>

                  the  Bank  as  first  mortgagee,  loss  payee  and  additional
                  insured,  by standard mortgagee  endorsement,  which insurance
                  shall be in a form and in an amount  satisfactory  to the Bank
                  and with an insurer satisfactory to the Bank. If required, the
                  Borrower  shall  also  obtain  adequate  workers  compensation
                  insurance.  The  original of each  insurance  policy  required
                  hereunder  shall be  delivered  to the Bank at or prior to the
                  Closing.  Each insurance policy required by this Section shall
                  contain an  affirmative  statement by the insurer  agreeing to
                  give  written  notice  to the Bank at least  thirty  (30) days
                  prior to  cancellation  or  amendment  of such  policy for any
                  reason whatsoever. The Borrower shall also furnish to the Bank
                  (i) evidence  that the Property is not in a floodplain or (ii)
                  flood insurance in an amount and form satisfactory to the Bank

            2.    At or prior to the Closing and thereafter within ten (10) days
                  after  written  request by the Bank,  furnish to the Bank full
                  information  concerning  such  insurance  described  above and
                  promptly effect such  additional  insurance to protect against
                  additional risks and/or in additional  amounts as the Bank may
                  request from time to time, with the Bank named as a mortgagee,
                  loss payee and an additional insured on all policies in effect
                  at Closing or thereafter.

      b.    Money Obligations. The Borrower shall pay in full:

            1.    Prior in each case to the date when  penalties  would  attach,
                  all taxes,  assessments  and  governmental  charges and levies
                  (except  only those so long as, and to the  extent  that,  the
                  same  shall be  contested  in good  faith by  appropriate  and
                  timely legal  proceedings  and as to which the  enforcement of
                  any  lien  or  right  of  execution  against  property  of the
                  Borrower is stayed), and

            2.    All its  debts,  obligations  and  liabilities  on or prior to
                  their respective due dates for which it becomes legally liable
                  or to  which  any  or all of  its  properties  become  legally
                  subject.

      c.    Financial  Statements.  The Borrower  shall  furnish to the Bank the
            following:

            1.    As to the  Borrower,  (i)  within 15 days  after  filing  each
                  calendar  year, a copy of the signed income tax returns of the
                  Borrower,  and  (ii)  within  120 days  after  the end of each
                  calendar year, annual financial statements of Borrower for the
                  previous  year,   consisting  of  a  balance   sheet,   income
                  statement, statement of changes in cash and the like, compiled
                  by a firm of independent public accountants  acceptable to the
                  Bank, all of which shall be certified by an authorized officer
                  of the  Borrower,  as  applicable  as being true,  correct and
                  accurate.

            2.    The  Borrower  shall  furnish or cause to be furnished to Bank
                  within  ten (10) days of a request by the Bank,  such  further
                  data and information

                                       6
<PAGE>

                  relating to the financial  affairs,  assets and liabilities of
                  Borrower as Bank may from time to time request.

      d.    Financial Records. The Borrower shall:

            1.    At all  times  keep true and  complete  financial  records  in
                  accordance with generally accepted  accounting  principles and
                  all financial  statement  required hereunder shall be prepared
                  in accordance with generally accepted accounting principles.

            2.    At all  reasonable  times,  permit  the Bank or its  agents to
                  examine any or all of their financial  records and to copy any
                  part or all of said records in any reasonable manner; and

            3.    Maintain the Borrower's books and records at the office of the
                  Borrower,  or at such  other  reasonable  place  Borrower  may
                  locate its records after notice to Bank.

      e.    Properties. The Borrower shall maintain its assets in good condition
            and repair, subject only to normal wear and tear; and the Bank shall
            have the right to inspect the same from time to time.

      f.    Legal Existence and Licenses.  The Borrower shall preserve its legal
            existence in good standing, and will maintain all permits,  licenses
            and other similar matters  necessary or appropriate for the Property
            and Improvements.

      g.    Debt Service  Coverage  Ratio.  The Borrower  shall maintain a "debt
            service  ratio"  (as such ratio is  calculated  in  accordance  with
            standard banking practices) of not less than 1.25 to 1.0. Dividends,
            distributions and withdrawls by the Borrower to its members shall be
            limited so as to maintain this ratio.

7.    Representations  and  Warranties.   The  Borrower  hereby  represents  and
      warrants  to the Bank as follows,  which  warranties  and  representations
      shall be deemed to be  continuing  and shall survive the execution of this
      Loan Agreement:

      a.    Existence  and  Licenses.  Borrower  is a  duly  organized,  validly
            existing  limited  liability  company under the laws of the State of
            Kentucky and shall  maintain at all times,  in full force and effect
            all  licenses  and  permits   necessary  or   appropriate   for  its
            businesses.

      b.    Right to Act. No registration  with or approval of any  governmental
            agency of any kind is required  for the due  execution  and delivery
            of, or for the enforceability  of, this Loan Agreement,  the Note or
            any of the Security  Instruments or other Loan Documents  except for
            the recording in the  appropriate  public office of the Mortgage and
            the  Financing  Statement(s).  The  Borrower has the legal power and
            right to execute  and deliver  this Loan  Agreement,  the Note,  the
            Security Instruments and the other Loan Documents and to observe and
            perform all of the provisions of such instruments and documents. The
            Borrower's execution and

                                       7
<PAGE>

            delivery of this Loan Agreement,  the Note and Security  Instruments
            or of any other writing  relating to the Loan, or the performance or
            observance  by the  Borrower  of  the  provisions  of  any  of  such
            instruments, do not violate or will violate any law applicable to it
            or otherwise  constitute  a default or violation  under any existing
            contract or other obligation  binding upon it or its property,  with
            or without the passage of time or the giving of notice, or both. The
            persons or entities  executing and delivering  this Loan  Agreement,
            the Note, Security Instruments and other Loan Documents on behalf of
            the  Borrower  have been  duly  authorized  to do so,  and this Loan
            Agreement,  the Note,  the Security  Instruments  and the other Loan
            Documents are legally binding upon the Borrower, and are enforceable
            in accordance with their respective terms.

      c.    Litigation and Taxes. No litigation or proceeding involving Borrower
            is pending which may materially affect the properties or business of
            the Borrower.

      d.    Financial   Statements.   The   Borrower's   financial   statements,
            heretofore furnished to the Bank, are true and complete,  and fairly
            present the Borrower's  financial condition as of their dates. Since
            the date of such  statements,  there  has been no  material  adverse
            change  in  the  Borrower's  financial   condition,   properties  or
            business.

      e.    Default.  No Possible  Default or Event of Default exists under this
            Loan  Agreement,  nor  will  begin  to  exist  immediately  upon the
            execution and delivery hereof.

      f.    Investment Company Act. The Borrower is not an "investment  company"
            or a company  "controlled"  by an  "investment  company"  within the
            meaning of the Investment Company Act of 1940, as amended.

      g.    Regulation U. The Borrower is not engaged  principally  or as one of
            its important activities in the business of extending credit for the
            purpose of purchasing or carrying margin stock within the meaning of
            Regulation  U of the  Board  of  Governors  of the  Federal  Reserve
            System.

      h.    Zoning.  The Property is properly zoned for commercial  purposes and
            uses  and  for  the  use  of  the  Property  as  commercial   rental
            properties.  No state of facts exists which would render any portion
            of the  Property  unavailable  or  unusable  for the current use and
            there exists no non-compliance with any applicable zoning, land use,
            subdivision  or  environmental   laws,   regulations  or  ordinances
            relative to the Property.

      i.    Environmental  Matters.  The Borrower hereby warrants and represents
            to the Bank that to the best of its knowledge,  the Property has not
            been used for the  disposal or release of hazardous  substances,  as
            herein defined, or petroleum, except the use of the Property for the
            dispensing  of fuel in accordance  with  applicable  laws,  and that
            during the course of any prior investigation of, or construction on,
            the Property by the Borrower no "hazardous substances" as defined in
            the Comprehensive Environmental Response, Compensation and

                                       8
<PAGE>

            Liability Act of 1980 ("CERCLA"), or petroleum were encountered, nor
            was  there  any  indication  that  any  prior  use of such  property
            included  the disposal of  petroleum  or  hazardous  substances,  as
            defined in CERCLA.  Borrower  hereby  agrees to  indemnify  and hold
            harmless  the Bank from any and all loss,  cost,  damage or  expense
            (including  reasonable attorneys' fees) which may result from any of
            the aforesaid representations or warranties being untrue at any time
            and for any liability which may be incurred by the Bank under CERCLA
            or otherwise with respect to the presence of hazardous substances or
            petroleum on the Property.  This indemnity shall survive the payment
            in full of the Loan and the discharge and/or release of the Mortgage
            and shall  also be set  forth in a  separate  Certificate  Regarding
            Hazardous  Substances to be delivered to the Bank by the Borrower at
            the closing of the Loan.

8.    Events of Default.  Each of the  following  shall  constitute  an Event of
      Default hereunder:

      a.    Payments.  If any  installment  of principal or interest on the Note
            shall not be paid in full  punctually  when due and payable and such
            failure to pay  continues  for a period of ten (10) days,  or if any
            Event of Default occurs under this Loan Agreement or under any other
            Loan Document.

      b.    Covenants  and  Agreements.  If the  Borrower  or  Guarantors  shall
            violate, fail or omit to perform or observe any covenant, agreement,
            condition or other provision  (other than referred to in Section 8a.
            hereof)  contained  herein  on  the  part  of  the  Borrower  to  be
            performed,  and such  failure or omission  shall not have been fully
            corrected  to the complete  satisfaction  of the Bank within 15 days
            (or such shorter  grace period as may be provided in the  particular
            instrument  for the  particular  default)  after  the Bank has given
            written notice thereof to the Borrower.

      c.    Failure to Pay Other Indebtedness. If the Borrower shall fail to pay
            any material  obligation it may  legitimately  have or be subject to
            with respect to any Person within 15 days after the  respective  due
            date or performance date thereof.

      d.    Accuracy of Statements.  If any  representation or warranty or other
            statement  of  fact  contained  herein  or in any  of  the  Security
            Instruments or in any writing,  certificate,  report or statement at
            any time  furnished to the Bank  pursuant to or in  connection  with
            this Loan  Agreement or  otherwise,  shall be false or misleading in
            any material  respect or shall omit a material fact,  whether or not
            made with knowledge of same.

      e.    Judgments  and  Liens.  If a final  judgment  or  judgments  for the
            payment  of money in  excess  of the sum of Fifty  Thousand  Dollars
            ($50,000.00)  in  the  aggregate  shall  be  rendered   against  the
            Borrower,  and such judgment or judgments  shall remain  unsatisfied
            and in effect and shall not have been discharged  within thirty (30)
            consecutive days after the entry thereof and execution thereon shall
            not have been stayed pending appeal, or if so stayed,  ten (10) days
            after the expiration of such stay.

                                       9
<PAGE>

      f.    Solvency and Other Matters.  If the Borrower  shall (a)  discontinue
            business,  or (b) make a general  assignment  for the benefit of its
            creditors,  or (c)  apply for or  consent  to the  appointment  of a
            custodian,  receiver,  trustee or liquidator of all or a substantial
            part of its  assets,  or (d) be  adjudicated  insolvent,  or have an
            Order for Relief entered as to it in any bankruptcy  proceeding,  or
            (e) file a  voluntary  petition  in  bankruptcy,  be  subject  to an
            involuntary petition in bankruptcy,  or file a petition or an answer
            seeking  a  composition,   reorganization  or  an  arrangement  with
            creditors  or seeking to take  advantage  of any other law  (whether
            federal  or state)  relating  to relief  for  debtors,  or admit (by
            answer,  default  or  otherwise)  the  material  allegations  of any
            petition  filed  against  it  in  any  bankruptcy,   reorganization,
            composition,  insolvency  or other  proceeding  (whether  federal or
            state)  relating to relief for  debtors,  or (f) suffer or permit to
            continue unstayed and in effect for ninety (90) consecutive days any
            judgment,  decree or order entered by a court or governmental agency
            of competent jurisdiction,  which assumes control of the Borrower or
            approves  a  petition  seeking  a  reorganization,   composition  or
            arrangement  of the Borrower or any other judicial  modification  of
            the  rights  of any of  its  creditors,  or  appoints  a  custodian,
            receiver,  trustee or  liquidator  for the  Borrower or for all or a
            substantial  part  of any  of  its  business  or  assets,  or (g) be
            enjoined or restrained from conducting all or a material part of any
            of its business as now  conducted  and the same is not dismissed and
            dissolved within ninety (90) days after the entry thereof.

9.    Remedies Upon Default. Notwithstanding any contrary provision or inference
      herein or elsewhere:

      a.    Optional  Acceleration.  If any  Event  of  Default  referred  to in
            Sections  8a.  through 8e.  hereof  shall  occur,  the Bank,  in its
            absolute  discretion,  without  further notice to the Borrower,  may
            declare all amounts of principal and interest  evidenced by the Note
            and all other  Indebtedness,  to be,  whereupon  the same  shall be,
            accelerated and immediately due and payable in full, all without any
            presentment,  demand or notice of any kind,  all of which are hereby
            expressly waived by the Borrower.

      b.    Automatic  Acceleration.  If any  Event of  Default  referred  to in
            Section 8f. hereof shall occur,  all of the  Indebtedness  including
            that evidenced by the Note shall  thereupon  become  accelerated and
            immediately due and payable in full, all without presentment, demand
            or notice of any kind, all of which are hereby  expressly  waived by
            the Borrower.

      c.    Offsets.  If any Event of Default shall occur or begin to exist, the
            Bank shall have the right then,  or at any time  thereafter,  to set
            off against,  and to appropriate and apply toward the payment of the
            Indebtedness  (in such  order as the  Bank  may  select  in its sole
            discretion),   including  but  not  limited  to,  the   indebtedness
            evidenced by the Note,  whether or not such Indebtedness  shall then
            have  matured or be due and  payable and whether or not the Bank has
            declared  the Note and/or  other  Indebtedness  to be in default and
            immediately  due,  any and all deposit  balances  and other sums and
            indebtedness  and other property then held or owed by the Bank to or
            for the credit or account of the Borrower, and in and on all of

                                       10
<PAGE>

            which the Borrower hereby grants the Bank a first security interest,
            lien and pledge to secure all the  Indebtedness,  all without notice
            to or demand upon the Borrower or any other person, all such notices
            and demands being hereby expressly waived.

      d.    Rights Under  Security  Instruments.  If any Event of Default  shall
            occur,  the Bank shall also have all rights and remedies  granted it
            under any and all of the Security  Instruments  securing or intended
            to secure the Indebtedness.

      e.    Rights  Cumulative.  All of the rights and remedies of the Bank upon
            occurrence  of an Event of Default  or  Possible  Default  hereunder
            shall be  cumulative  to the  greatest  extent  permitted by law and
            shall be in addition to all those rights and  remedies  afforded the
            Bank at law or equity.

10.   Interpretation.  No course of dealing in respect  of, nor any  omission or
      delay in the  exercise  of, any right,  power,  remedy or privilege by the
      Bank shall operate as a waiver thereof, nor shall any right, power, remedy
      or privilege of the Bank be exclusive of any other right, power, remedy or
      privilege  referred  to  herein  or in  any  related  document  or  now or
      hereafter  available  at law,  in  equity,  in  bankruptcy,  by statute or
      otherwise. Each such right, power, remedy or privilege may be exercised by
      the Bank, either  independently or concurrently with others,  and as often
      and in such  order as the Bank may deem  expedient.  No waiver or  consent
      granted by the Bank in respect to this Loan Agreement, the Indebtedness or
      any Security Instrument or related writing shall be binding upon the Bank,
      unless specifically granted in writing by a duly authorized officer of the
      Bank,  which  writing  shall be strictly  construed.  Time shall be of the
      essence in the  performance of all the Borrower's  obligations  under this
      Loan  Agreement,  the Note,  the Security  Instruments  and the other Loan
      Documents or other instruments related hereto. The provisions of this Loan
      Agreement  shall  bind and  benefit  the  Borrower  and the Bank and their
      respective  successors,   heirs,  personal  representatives  and  assigns,
      including  each  subsequent  holder,  if any,  of the  Note  or any  other
      Indebtedness.  The several  captions,  section and subsection  numbers and
      index of this Loan Agreement are inserted for  convenience  only and shall
      be ignored in  interpreting  the provisions of this Loan Agreement  except
      for purposes of reference to other parts of the Loan Agreement.  This Loan
      Agreement  and  the  related  writings  and  the  respective   rights  and
      obligations  of the parties  hereto shall be construed in accordance  with
      and  governed  by the laws of the  Commonwealth  of  Kentucky.  This  Loan
      Agreement and the other instruments  referred to herein contain the entire
      agreement of the parties  pertaining  to its subject  matter and supersede
      all prior written and oral agreements  pertaining hereto. The Borrower may
      not assign any of its rights under this Loan Agreement to any other party.
      This Loan  Agreement may be modified only in writing  executed by the Bank
      and Borrower. The invalidity or unenforceability, whether in general or in
      any  particular  circumstance,  of any  provision of this Loan  Agreement,
      shall not affect its validity or enforceability in any other circumstance,
      or any other provision  hereof.  The parties hereto hereby agree that this
      Loan Agreement  shall be so interpreted to give effect and validity to all
      the provisions hereof to the fullest extent permitted by law.

11.   Notices.  All notices required or permitted to be given hereunder shall be
      given  in  writing  and  personally  delivered  or sent by  registered  or
      certified U.S. mail, return receipt

                                       11
<PAGE>

      requested, postage prepaid, addressed as follows (or to such other address
      as to which any party hereof shall have given the other written notice):

            If to Bank:         Community Trust Bank, Inc.
                                Attn: Mr. T Wayne Stefanovich
                                       Vice-President
                                100 East Vine Street
                                Lexington, Kentucky 40507

            If to Borrower:     Robcor, LLC
                                Attn: Mr. Michael E. Heitz
                                3505 Castlegate Court
                                Lexington, Kentucky 40502

            If to Guarantors:   Michael E. Heitz
                                Viola J. Heitz
                                3505 Castlegate Court
                                Lexington, Kentucky 40502

and shall be deemed given when actually delivered in person or when deposited in
the United States mails, in accordance with the foregoing, as applicable.

12.   Survival of Covenants,  Agreements,  Warranties and  Representations.  All
      covenants, agreements, warranties and representations made by the Borrower
      herein shall  survive the making of each  disbursement  hereunder  and the
      execution  and delivery of the Note,  this Loan  Agreement and any and all
      Security  Instruments  for the Note and other  Indebtedness,  and shall be
      deemed  to  be  continuing  covenants,  agreements,   representations  and
      warranties at all times while any portion of the  Indebtedness,  including
      the Note, remains unpaid.

13.   Fees and Expenses. The Borrower shall pay all Closing Fees, including, but
      not limited to, the  attorney's  fees and expenses of the Bank incurred in
      preparing  and  revising  this Loan  Agreement,  the Note and the Security
      Instruments and all related documents and the filing and/or recording from
      time to time of financing  statements  and/or other Security  Instruments,
      including  all  filing  and/or  recording  fees and  taxes  and all  note,
      mortgage or security  fees and/or  taxes and also all other  similar  fees
      and/or  taxes.  Further,  in the event of any Event of Default  under this
      Loan Agreement, the Note or any of the Security Instruments or any related
      instruments,  the Borrower will pay, to the extent allowable by applicable
      law, to the Bank such further  amounts as shall be sufficient to reimburse
      fully the Bank for all of its costs and expenses of  enforcing  its rights
      and  remedies  under  this  Loan  Agreement,  the  Note  and the  Security
      Instruments,   including   without   limitation,   the  Bank's  reasonable
      attorneys'  fees, and appraisers' and  accountants'  fees and court costs,
      and the same  shall be deemed  evidenced  hereby  and  secured  by all the
      Security  Instruments.  All obligations provided for in this Section shall
      survive  termination or cancellation of this Loan Agreement for any reason
      whatsoever.

                                       12
<PAGE>

14.   JURY  TRIAL   WAIVER.   BORROWER   HEREBY   KNOWINGLY,   VOLUNTARILY   AND
      INTENTIONALLY  WAIVES  THE RIGHT IT MAY HAVE TO A TRIAL BY JURY IN RESPECT
      OF ANY LITIGATION  BASED,  OR ARISING OUT OF, UNDER OR IN CONNECTION  WITH
      THIS LOAN  AGREEMENT  OR ANY OTHER LOAN  DOCUMENT  OR OUT OF ANY COURSE OF
      CONDUCT,  COURSE  OF  DEALING,  STATEMENTS  (WHETHER  WRITTEN  OR ORAL) OR
      ACTIONS OF THE BORROWER OR THE BANK.

      IN WITNESS  WHEREOF,  the parties hereto have executed this Loan Agreement
the day, month and year first above written.

                               COMMUNITY TRUST BANK, INC.

                               By: /s/ T. Wayne Stefanovich
                                   --------------------------------------
                               Title: Vice President
                                      -----------------------------------

                                      ("Bank")

                               ROBCOR, LLC, a Kentucky limited liability company

                               By: /s/ Michael E. Heitz
                                   --------------------------------------
                                   MICHAEL E. HEITZ, Member

                               By: /s/ Viola J. Heitz
                                   --------------------------------------
                                   VIOLA J. HEITZ, Member

                                      ("Borrower")

                               /s/ Michael E. Heitz
                               ------------------------------------------
                               MICHAEL E. HEITZ, Individually

                               /s/ Viola J. Heitz
                               ------------------------------------------
                               VIOLA J. HEITZ, Individually

                                      ("Guarantors")

GAH/050585gh

                                       13
<PAGE>

                                   EXHIBIT "A"

            All of Lot Nos. A and B,  Tract C of Bluesky  Industrial
            Estates Subdivision to the City of Lexington as shown by
            plat  thereof of record in Plat Cabinet A, Slide 660, in
            the Fayette County Clerk's Office;  and known as 293 and
            301 BLUE SKY PARKWAY; and

            BEING the same  property  conveyed  to  Robcor,  LLC,  a
            Kentucky   limited   liability   company,   by   Skilton
            Enterprises,  LLC, a Kentucky limited liability company,
            through  deed dated  March __,  2005,  of record in Deed
            Book ___, Page ___, in the Fayette County Clerk's Office
            (and recorded simultaneously herewith).

GAH/050666gh
<PAGE>

                      TERM NOTE AND UNCONDITIONAL GUARANTY

$499,000.00                                                  Lexington, Kentucky
                                                                   March 9, 2005

      FOR VALUE  RECEIVED,  the  undersigned,  ROBCOR,  LLC, a Kentucky  limited
liability company (the "Maker"),  hereby promises and agrees to pay to the order
of COMMUNITY TRUST BANK, INC., a Kentucky banking corporation,  having a mailing
address of 100 East Main Street,  Lexington,  Kentucky  40507 its successors and
assigns (the "Bank"), the principal sum of Four Hundred Ninety Nine Thousand and
NO/100 DOLLARS  ($499,000.00),  or the amount actually disbursed and outstanding
hereon from time to time,  together with all accrued  interest  thereon computed
and payable in the manner set forth below. The unpaid principal  balance of, and
all accrued interest on, this Note, unless sooner paid, shall be due and payable
in full on March 9, 2008 (the "Maturity Date").

      The indebtedness evidenced by this Note and the obligations created hereby
are  secured  by the  "Security  Instruments",  as that term is  defined in that
certain Loan Agreement of even date herewith (the "Loan Agreement") by and among
the Bank, the Maker,  and the Guarantors,  and such other and/or future security
granted  the  Bank  by  the  Maker  or  others   (collectively,   the  "Security
Instruments").  Further, this Note is the Note referred to in the Loan Agreement
and is entitled to all of the benefits thereof and security therefor.  All terms
defined in the Loan Agreement,  unless otherwise defined herein,  shall have the
same  meaning in this Note.  The  proceeds of this Note shall be used to finance
the purchase of certain commercial property known and designated as 293-301 Blue
Sky Parkway, Lexington, Fayette County, Kentucky.

      From the date of this Note the outstanding principal balance of this Note,
as the same  shall  exist  from time to time,  shall  bear  interest  at a daily
floating rate per annum equal to the Borrowing Rate  established  under the Loan
Agreement,  calculated  on the basis of an assumed  360-day  year for the actual
number of days elapsed.  The  "Borrowing  Rate" means,  the Prime Rate in effect
from time to time  calculated  on the basis of an assumed  360-day  year for the
actual number of days elapsed.  "Prime Rate" means at any time the interest rate
per annum most  recently  quoted or the highest of any range quoted from time to
time by The Wall  Street  Journal  ("WSJ") as the  "Prime  Rate" or base rate on
corporate  loans in effect at large U.S. money center  commercial  banks. In the
event the WSJ ceases to publish a "Prime  Rate," the "Prime  Rate"  shall be the
interest  rate  designated  and  announced  from time to time by the Bank as its
"Prime Rate" in effect at its  principal  office,  although such rate may not be
the lowest rate available at that particular time on loans of a similar nature.

      Commencing  April 9, 2005,  and continuing on the 9th day of each calendar
month until the earlier of the Maturity Date or the date the  principal  balance
and all  accrued but unpaid  interest of this Note is paid in full,  Maker shall
make  monthly  payments  of  principal  and  interest  on this Note in an amount
sufficient to fully  amortize the face amount of this Note over an  amortization
period of twenty (20) years.  Unless there is a change in the Borrowing Rate (as
set forth above),  the monthly  installment  of principal and interest  shall be
$3,432.56.  All payments  shall be applied to accrued  interest and principal as
the Bank may elect. No partial prepayment of this Note shall reduce or eliminate
any payments required hereunder.
<PAGE>

      The Maker  acknowledges  that on the Maturity Date the entire  outstanding
principal  balance and all accrued but unpaid interest on this Note shall be due
and payable in full,  notwithstanding anything herein that may be interpreted to
the contrary,  resulting in a  substantial  balloon  payment.  The Maker further
acknowledges  that the Bank has not agreed to extend the  Maturity  Date of this
Note or to refinance this Note.

      If any  installment  of interest or  principal on this Note is not paid by
the end of thirty (30)  calendar days after the date it is due, the Bank may, at
any time  thereafter,  increase the interest rate  applicable to the outstanding
principal  balance of this Note to a rate which is two percent (2%) in excess of
the Interest Rate specified above otherwise  applicable to the principal of this
Note (the  "Default  Rate").  In  addition,  if any  installment  of interest or
principal  on this Note is not paid by the end of ten (10)  calendar  days after
the date it is due,  the Makers  shall pay to the Bank a late charge equal to 5%
of  the  payment  missed.   If  any  payment  is  made  by  check  returned  for
non-sufficient  funds,  the Maker  shall pay to the Bank a service fee of $30.00
for each such  returned  item.  The  assessment  or  collection  of Default Rate
interest,  the late charge or any service fee shall not  constitute  a waiver of
any default resulting from any failure to timely pay any payment due pursuant to
this Note.

      This Note may be prepaid in whole or in part at any time,  without premium
or penalty.  Any partial  prepayment  shall be applied first to accrued interest
due and  owing on this  Note,  with the  balance  being  applied  to  principal.
Provided,  however,  no partial  prepayment  shall  postpone the due date of any
installment  of interest due on this Note unless and until this Note is paid and
performed in full. The entire indebtedness  evidenced by this Note shall, at the
option of the Bank, become immediately due and payable, should the Maker further
encumber,  pledge, convey, transfer or assign any or all of its interest,  legal
or equitable,  in all or any portion of the property  covered by the Mortgage of
even date  granted by the Maker in favor of the Bank  without the prior  written
consent of the Bank or unless specifically  allowed pursuant to the terms of the
Loan Agreement.

      If (i) there is a default in the payment of principal  and/or  interest as
and when the same is or  becomes  due  hereunder  and the same  continues  for a
period of ten (10) days after such due date;  (ii) the Maker fails in the timely
performance of any term,  covenant or condition required to be kept, observed or
performed  under this Note;  or (iii) if any Event of Default  occurs  under the
Loan  Agreement or any of the other "Loan  Documents" as that term is defined in
the Loan Agreement;  such occurrence,  or the occurrence of more than one, shall
constitute  an "Event of Default"  under this Note.  Upon the  occurrence of any
Event of Default,  the Bank or any subsequent  holder of this Note may,  without
notice or demand, declare all sums of principal and interest evidenced hereby to
be  accelerated  and  immediately  due and payable,  and the Bank may  thereupon
exercise all rights and remedies granted it by the Loan Agreement,  the Security
Instruments, the other Loan Documents, or available to it in law or equity. Upon
any Event of  Default  under  this  Note,  the Maker  agrees to pay all costs of
collection,  and/or costs  relating to  modifying or further  securing the Note,
when incurred by the Bank, including,  but not limited to, reasonable attorneys'
fees. If any suit or action is instituted to enforce this Note, the Maker agrees
to pay to the Bank, in addition to the costs and disbursements otherwise allowed
by law, such sums as may be adjudged  reasonable  attorneys'  fees, court costs,
and all other  expenses in  collecting  or  attempting to collect or securing or
attempting to

                                       -2-
<PAGE>

secure this Note or in connection  with any of the foregoing,  provided the same
is legally  allowed by the law of any state where the subject  collateral or any
part thereof is situated, and under applicable federal law.

      Failure of the Bank to exercise any of its rights and  remedies  shall not
constitute a waiver of the right to exercise the same at that or any other time.
All rights and remedies of the Bank  following an Event of Default  hereunder or
under any of the  instruments  referred  to herein  shall be  cumulative  to the
greatest extent permitted by law. Time shall be of the essence in the payment of
all  installments  of interest and principal on this Note and the performance of
the Maker's other joint and several obligations hereunder.

      The Maker, and all endorsers or guarantors hereof and each of them, hereby
expressly waive  presentment,  demand,  notice of dishonor,  protest,  notice of
protest and nonpayment and further waive all exemptions to which they may now or
hereafter  be  entitled  under the laws of Kentucky or any other state or of the
United States,  and further agree that the Bank or any subsequent  holder hereof
shall have the right,  without notice, to deal in any way, at any time, with the
Maker,  endorsers,  or  guarantors  hereof,  and to grant the Maker  hereof  any
extension  of time  for  payment  of  this  Note,  or any  other  indulgence  or
forbearance  whatsoever,  and may release any  security  for the payment of this
Note,  and/or  modify the terms of any of the Security  Instruments  referred to
herein or otherwise  securing or  pertaining  to this Note,  and may release the
Maker, endorser or any guarantor of this Note from liability for payment hereof,
in every  instance  without the consent of the Maker,  endorsers  or  guarantors
hereof and without in any manner  affecting the liability of the Maker hereunder
or any guarantor or endorser hereof, and all without waiving any rights the Bank
or any  subsequent  holder of this Note may have  hereunder  or by virtue of the
laws of Kentucky or of any other state or of the United States. The liability of
the Maker and any guarantor  hereunder and in connection  herewith  shall not in
any way be diminished, released, voided or adversely affected as a result of the
invalidity of any document relating to the loan evidenced hereby,  including any
document or instrument  purporting to secure the indebtedness  evidenced by this
Note,  or by the  release  of any or all of the  security  for the  indebtedness
evidenced  by this Note or as a result of the Bank not  requiring  any or all of
the Security  Instruments to be executed or properly perfected and filed or as a
result of any other  defect in the lien or security  interest of the Bank on any
or all of the security for this Note even if through the fault or  negligence of
the Bank. The Maker and each  guarantor  hereof  acknowledges  that the Bank may
perfect its security interest and/or lien on some, but not all of the collateral
described in the Security  Instruments,  and may or may not, at its sole option,
require any other or further security in connection herewith. The Maker and each
guarantor hereof hereby waive any and all claims and defenses arising out of, or
in any way  relating  to,  such  failure on the part of the Bank to perfect  its
security  interest in,  and/or lien on, all, or any portion,  of any  collateral
intended to secure  this Note.  This Note is a full  recourse  joint and several
obligation of the Maker and each guarantor.

      This Note shall be gove ed and  construed in  accordance  with the laws of
the Commonwealth of Kentucky.

                                       -3-
<PAGE>

      All  payments  due on this Note  shall be paid to the Bank in  immediately
available funds, at its principal place of business in Pikeville,  Kentucky,  or
to such  other  person or at such other  address  as the Bank or any  subsequent
holder hereof may specify in writing from time to time.

      The  invalidity  or  unenforceability  of any  provision  of this  Note in
general or in any  particular  circumstance  shall not affect  the  validity  or
enforceability  of any one or more of the other  provisions  of this Note or the
validity  of such  provision  as  applied to any other  circumstance.  The Maker
agrees that this Note and all  provisions  hereof shall be  interpreted so as to
give effect and  validity  to all the  provisions  hereof to the fullest  extent
permitted  by law.  Any  references  in this  Note to the  Loan  Agreement,  the
Security  Instruments or any other document related to the loan evidenced hereby
shall be deemed to be references to such  agreements,  instruments and documents
as they now exist or are hereafter modified in writing by the parties thereto.

      The  undersigned,  Michael  E.  Heitz  and  Viola  J.  Heitz  (hereinafter
collectively  referred to as the  "Guarantor"),  hereby  jointly  and  severally
guarantees  unconditionally to the Bank the due and punctual payment of all sums
due or to become due under this Note,  whether  the same become due by virtue of
an acceleration following an Event of Default or otherwise.  This is a joint and
several  guaranty of payment and not of collection and the Guarantor does hereby
waive all guaranty and suretyship defenses.  The unconditional joint and several
guaranty of the Guarantor is supplemented by the Guaranty  Agreement attached to
this Note and incorporated herein by this reference.

      IN WITNESS WHEREOF, the Maker and Guarantor have executed this Note on the
date first above written.

                               ROBCOR, LLC, a Kentucky limited liability company

                               By:
                                   --------------------------------------
                                   MICHAEL E. HEITZ, Member

                               By:
                                   --------------------------------------
                                   VIOLA J. HEITZ, Member

                               Address: 3505 Castlegate Court
                                        Lexington, Kentucky 40502

                               ("Maker")

                               ------------------------------------------
                               MICHAEL E. HEITZ, individually

                               ------------------------------------------
                               VIOLA J. HEITZ, individually

                               ("Guarantor")

                                       -4-
<PAGE>

                               GUARANTY AGREEMENT

      THIS  GUARANTY  AGREEMENT  (this  "Guaranty")  is made,  entered  into and
effective  this 9th day of March,  2005,  by (i)  MICHAEL  E. HEITZ and VIOLA J.
HEITZ ( the "Guarantors", whether one or more), in favor of (ii) COMMUNITY TRUST
BANK, INC., a Kentucky banking corporation, having a mailing address of 100 East
Main Street, Lexington, Kentucky 40507 (the "Bank").

                                    RECITALS:

      A. The Bank has agreed to extend a loan to ROBCOR, LLC, a Kentucky limited
liability company (the "Borrower"),  in the principal amount of $499,000.00 (the
"Loan").

      B. The Loan is  evidenced  by that  certain  Term  Note and  Unconditional
Guaranty of even date made jointly and  severally by the Borrower and payable to
the order of the Bank in the face principal  amount of $499,000.00 (the "Note"),
which Note is incorporated herein by reference.

      C. In consideration of the substantial economic benefit of the Loan to the
Guarantors,  the  Guarantors  have agreed to jointly and severally  guaranty the
Borrower's  obligations under the Note,  pursuant to the terms and conditions of
this Guaranty.

      NOW,  THEREFORE,  for and in consideration of the Recitals,  and for other
good and valuable  consideration,  the receipt of which is hereby  acknowledged,
the Guarantors hereby agree as follows:

      l. Guaranty.  The Guarantors do hereby personally,  jointly and severally,
and  absolutely  guaranty  unconditionally  to the Bank (a) the due and punctual
payment of all  installments  of principal  and/or interest now or in the future
due under the Note, as and when the same shall be due and payable  thereunder in
accordance  with its terms,  and whether  the same be  declared  due by the Bank
prior to its stated  "Maturity  Date," as such term is  defined in the Note,  by
virtue of an "Event of  Default,"  thereunder,  as such term is  defined  in the
Note, or under any of the "Security Instruments," as such term is defined in the
Note, or otherwise,  (b) the due and punctual  payment of all costs and expenses
incurred by the Bank in enforcing its rights and remedies under the, Note,  this
Guaranty, and/or any of the Security Instruments, including, without limitation,
the Bank's  reasonable  attorney's fees and court costs, and (c) the performance
by the Borrower of all covenants,  agreements, and obligations,  whether payment
or performance, of the Borrower under the Note and the Security Instruments (the
items described in (a) through (c) above are collectively  referred to herein as
the "Obligations").

      This is a joint and several  guaranty of payment and not of collection and
shall in all respects be an absolute and unconditional guaranty, terminable only
upon the payment in full of the Obligations.  The joint and several liability of
the Guarantors under this Guaranty shall be direct and

                                       -5-
<PAGE>

immediate and not  conditional  or  contingent  upon the pursuit of any remedies
against the  Borrower  or any other  person,  nor against any  security or liens
available to the holder of the Note for payment.  If the Note is partially  paid
through the election of the Bank to pursue any of its remedies or if the Note is
otherwise  partially  paid,  the  Guarantors  shall remain jointly and severally
liable for the entire  unpaid  principal  balance of, and all accrued but unpaid
interest on, the Note and for the other Obligations.

      2. Guarantors' Consent. The Guarantors consent and agree to each and every
of the following acts,  events,  and/or  conditions,  none of which shall in any
manner  release,  discharge,  diminish,  impair or  affect  the  obligations  or
liabilities  of the  Guarantors  hereunder:  (a) the  whole  or any  part of the
security  now or  hereafter  held for the Note  may be  exchanged,  compromised,
surrendered, substituted or released from time to time; (b) the time or place of
payment of the Note or any other  Obligation  may be exchanged  or extended,  in
whole or in part, to a time certain or otherwise, and may be extended or renewed
for one or more  periods  (whether  or not  longer  than the  original  period),
amended,  or accelerated,  in whole or in part; (c) the Borrower may be extended
further loans and be granted indulgences generally; (d) any of the provisions of
the Note or of any of the Security  Instruments  may be modified or waived;  (e)
any party  liable  for the  payment of the Note may be  granted  indulgences  or
released;  (f)  neither  the death,  insolvency,  bankruptcy,  dissolution,  nor
disability of the Borrower, any of the Guarantors,  or any other guarantor shall
affect  the  obligations  hereunder  of the  Guarantors;  (g) no  claim  need be
asserted against the personal representative, guardian, trustee in bankruptcy or
receiver of any deceased,  incompetent,  bankrupt or insolvent Borrower,  any of
the Guarantors or any other guarantor;  (h) any deposit balance to the credit of
the Borrower, any of the Guarantors or any other party liable for payment of the
Note or liable upon any security  therefor may be released  from time to time in
whole or in part,  at,  before,  or after the stated,  extended  or  accelerated
maturity  date of the  Note.  The  undersigned  Guarantors  shall  remain  bound
hereunder,   notwithstanding   any   such   exchange,   compromise,   surrender,
substitution,   extension,   renewal,   acceleration,    modification,   waiver,
indulgence,  release  or  other  action  regarding  the  Note  or  the  Security
Instruments,  all of which may be effected  without notice to or further consent
or agreement by any of the  Guarantors.  The consent of any of the Guarantors to
any of the  foregoing  actions in one or more  instances  shall not  establish a
requirement  for the  consent  of any  Guarantor  to any  subsequent  action  or
actions.

      3.  Guarantors'  Waivers.  The Guarantors  expressly  waive: (a) notice of
acceptance of this Guaranty; (b) presentment and demand for payment of the Note;
(c) protest and notice of dishonor or default to any of the Guarantors or to any
other party with respect to the Note or any  security  for the Note;  (d) demand
for payment under this  Guaranty;  (e) notice of disposition of any security for
the  Note;  (f) any right to  require  that an action  be  brought  against  the
Borrower  or any other  person  prior to action  against  any of the  Guarantors
hereunder;  (g) any right to require  that resort be had to any security for the
Note or to any  balance  of any  deposit  account  or credit on the books of the
holder of the Note in favor of the  Borrower  or any other party prior to action
by Bank against any of the Guarantors  hereunder;  (h) notice of any advances or
other  disbursements made under the Note or any other Security  Instrument;  (i)
all other notices to which the Guarantors may otherwise be entitled; and (j) all
suretyship and guarantor's defenses generally.

                                       -6-
<PAGE>

      4.  Treatment  of  Security  and  Security  Instruments.  The  Note  shall
constitute the primary, independent and continuing obligation of the Guarantors,
who shall be jointly and severally  liable for payment of the debt  evidenced by
the Note,  the  Security  Instruments  and/or any or all of the security for the
Note.  The  joint and  several  liability  of the  Guarantors  hereunder  and in
connection  herewith  shall not in any way be  diminished,  released,  voided or
adversely affected as a result of (a) the Bank's not requiring any or all of the
Security  Instruments  to be executed or properly  perfected and filed,  (b) any
other  defect in the lien or security  interest of the Bank on any or all of the
collateral  described in the Security  Instruments or otherwise held as security
for the Note,  even if  through  the fault or  negligence  of the Bank,  (c) the
Bank's  failure to perfect or to continue  perfection  in its security  interest
and/or  lien  in or on  anything  serving  as  security  for the  Note or  other
Obligations,  (d) the  Bank's  failure  to  require  any or all of the  Security
Instruments to be executed and delivered,  (e) the Bank's failure to keep any or
all of the Collateral properly insured,  (f) the Bank's failure to properly care
for the  Collateral,  (g) the Bank's  impairment of the Collateral in any manner
whatsoever,  or (h)  the  Bank  failing  to  require  all  documentation  and/or
certificates  described in the Loan Agreement  relative to  disbursements of the
proceeds of the Note.

      5.  Guarantors'   Obligations  Not  Subject  to  Claims.  The  Guarantors'
Obligations  shall not be  subject to any  counterclaim,  setoff,  deduction  or
defense  based  upon  any  claim  any of the  Guarantors  may have  against  the
Borrower,  any  other  guarantor,  or  the  Bank,  and  the  obligations  of the
Guarantors  under this  Guaranty  shall remain in full force and effect  without
regard to,  and shall not be  released,  discharged  or in any way  modified  or
affected by, any circumstance or condition (whether or not any of the Guarantors
shall have any knowledge or notice thereof),  including, but not limited to, any
bankruptcy, insolvency, reorganization,  arrangement, readjustment, composition,
liquidation or similar proceeding with respect to the Borrower or its properties
or its creditors, or any action taken by any trustee or receiver or by any court
in any such proceeding.

      6.  Acceleration  of Guaranty  Agreement.  If any installment of principal
and/or  interest on the Note and/or any of the other  Obligations  are not fully
paid when due (and following the lapse of any applicable  grace period set forth
in the Note)  and/or  upon the  occurrence  of any other Event of Default in the
Note and/or the Security Instruments, the entire unpaid principal balance of and
all accrued and unpaid interest on the Note and the other Obligations  shall, at
the sole option of the Bank, be deemed to be accelerated and immediately due and
payable in full for the  purposes  of this  Guaranty  and the joint and  several
liability of the Guarantors hereunder.

      7. Effect of Borrower's  Bankruptcy,  Etc. This Guaranty shall continue to
be  effective or be  reinstated,  as the case may be, if at any time any payment
made under the Note or toward the satisfaction of any Obligation is rescinded or
must  otherwise  be  returned  by the Bank upon the  insolvency,  bankruptcy  or
reorganization of the Borrower or otherwise, as though such payment had not been
made.

      8.  Jurisdiction  and Venue. The Guarantors agree that any legal action or
proceeding  against  them  arising  out of this  Guaranty  may be brought in the
courts of the Commonwealth of Kentucky,  including,  but not limited to the Pike
or Fayette  Circuit  Courts,  and hereby  irrevocably  consent and submit to the
jurisdiction of said courts. Nothing herein shall in anyway be deemed to

                                       -7-
<PAGE>

limit the  ability  of the Bank to serve any  writs,  process  or summons in any
other manner  permitted by  applicable  law or to obtain  jurisdiction  over the
Guarantors in such other jurisdictions,  and in such manner, as may be permitted
by applicable  law. The Guarantors  irrevocably  waive any objection  which they
either may now or hereafter have to the laying of the venue of any suit,  action
or  proceeding  arising out of or in relation  to this  Guaranty  brought in the
courts of the Commonwealth of Kentucky and also irrevocably waive any claim that
any such suit, action or proceeding  brought in any one of those courts has been
brought in an inconvenient forum.

      9. Waiver by Bank. No delay on the part of the Bank in the exercise of any
right or remedy  shall  operate  as a waiver  thereof,  and no single or partial
exercise  by the Bank of any  right or  remedy  shall  preclude  other or future
exercises  thereof,  or the  exercise  of any  right or  remedy;  nor  shall any
modification or waiver of any of the provisions of this Guaranty be binding upon
the Bank except as expressly  set forth in writing and duly signed and delivered
on behalf of the Bank.

      10. Primary and Independent Obligation.  The Obligations,  including,  but
not  limited  to  the  Note,   shall  constitute  the  primary  and  independent
obligations of the Guarantors, who shall be jointly and severally liable for the
Obligations, including, but not limited to, the payment of the debt evidenced by
the  Note,  notwithstanding  the  partial  or  total  invalidity  of  any of the
Obligations, including, but not limited to, the Note.

      11.  Waiver of Rights.  The  Guarantors  hereby fully and  unconditionally
waive and release until the Bank shall have been  irrevocably  paid and the Note
discharged:

            (a) Any and all rights of subrogation, contribution or reimbursement
with  respect to or from the Borrower or the rights of the Bank in the event any
Guarantor is required to perform under this Guaranty; and

            (b) Any and all rights to be subrogated, in whole or in part, to the
rights of the Bank arising out of or related to any of the  Obligations  between
the Bank and the Borrower (or any related instrument or document) or any secured
rights of the Bank in any assets of the Borrower  which secure the  indebtedness
of the  Borrower to the Bank,  in whole or in part,  in the event any  Guarantor
makes or is required to make any payment to the Bank pursuant hereto.

      12.  Subordination.  The  Guarantors  do  hereby  agree  that  all  debts,
obligations and  liabilities of every kind and nature now or hereafter,  if any,
owing to any and all of the Guarantors by the Borrower (the "Junior  Debts") are
hereby fully and completely  subordinated  to the prior  repayment of all of the
current and future indebtedness of the Borrower to the Bank, including,  without
limitation,  the Note (the "Senior Debt"). The Guarantors shall not seek, claim,
recover or accept any property,  cash or other payments on account of the Junior
Debts from the  Borrower  or anyone on behalf of the  Borrower  until the Senior
Debt shall have been paid in full. The Guarantors  hereby assign to the Bank all
of the  Guarantors'  rights to recover any property,  cash or other  payments on
account of the Junior  Debts until the Senior Debt is paid in full and assign to
the  Bank the  Guarantors'  rights  to  administer  and  vote  any  claim of the
Guarantors  against the  Borrower in any  bankruptcy  or  insolvency  proceeding
involving the Borrower.

                                       -8-
<PAGE>

      13. Heirs and Assigns.  The  provisions of this Guaranty  shall be binding
upon the Guarantors and their heirs,  personal  representatives,  successors and
assigns and shall inure to the benefit of the Bank and its successors, endorsees
and assigns.

      14. Severability.  The invalidity or unenforceability,  whether in general
or in any particular circumstance,  of any provision of this Guaranty, shall not
affect its validity or  enforceability in any other  circumstance,  or any other
provision  hereof.  The  Guarantors  hereby agree that this Guaranty shall be so
interpreted  to give  effect and  validity to all the  provisions  hereof to the
fullest extent permitted by law.

      15. Time of the Essence.  Time shall be of the essence in the  performance
of all of the Guarantors' obligations under this Guaranty.

      16. Governing Law. This Guaranty shall be construed in accordance with and
governed by the laws of the Commonwealth of Kentucky.

      17. Guarantors' Maximum Liability. The maximum joint and several liability
of the Guarantors hereunder shall be $499,000.00.  Notwithstanding the foregoing
maximum joint and several  liability of the  Guarantors,  the Guarantors  hereby
jointly and severally  guaranty payment of interest accruing on the Obligations,
and  all  fees,  charges  and  cost of  collecting  the  Obligations,  including
reasonable  attorneys' fees. The date on which this Guaranty terminates shall be
March 10, 2009 (the "Termination Date"), which Termination Date shall not affect
the  joint  and  several  liability  of  the  Guarantors  with  respect  to  (a)
Obligations  created or incurred prior to the Termination Date or (b) extensions
or renewals of, interest  accruing on, or fees, costs or expenses  incurred with
respect  to the  Obligations  on or after the  Termination  Date.  The joint and
several liability of the Guarantors  hereunder shall survive the payment in full
of the Note and other Obligations for a period of one year and one day after the
date the Note is paid in full and/or the Obligations are satisfied in full.

      18. Counterparts.  This Guaranty may be executed in several  counterparts,
each of which  shall be  deemed  an  original  and all of which  together  shall
constitute one and the same instrument.

      IN WITNESS  WHEREOF,  the Guarantors have executed this Guaranty as of the
day, month, and year first above written.

                               ------------------------------------------
                               MICHAEL E. HEITZ, individually

                               ------------------------------------------
                               VIOLA J. HEITZ, individually

                                      ("Guarantors")

GAH/050584gh

                                       -9-
<PAGE>

                                      LEASE

      THIS LEASE, made and entered into this 9 day of March, 2005 by and between
ROBCOR,  LLC,  a  Kentucky  limited  liability  company  (Landlord),  and WILTON
CONSTRUCTION,  LLC, a Kentucky limited liability  company,  and GKT ENTERPRISES,
LLC, a Kentucky limited liability company ( herein  collectively  referred to as
"Tenant").

                                   WITNESSETH:

      In consideration  of the premises and the covenants and conditions  herein
contained, Landlord and Tenant agree as follows:

1. Lease

      Landlord  hereby  leases to Tenant that certain real property and building
which  Landlord  owns and is  located  in  Fayette  County,  Kentucky,  and more
particularly  described  as 293 and 301 Blue Sky  Parkway,  Lexington,  Kentucky
40509 ("premises").

2. Term

      The term of this lease shall be for a period of three years  beginning  on
March 9, 2005 and ending on March 8, 2008.

3. Rent

      Tenant  shall pay monthly  rent in advance  beginning on February 1, 2005.
The amount of the monthly  rent due shall be based upon the  change,  if any, in
the prime  lending rate as  established  by Community  Trust Bank in  Lexington,
Kentucky on the 25th day of the preceding  month.  The "base prime lending rate"
as used in this Lease shall be 5.25% at which the  monthly  rent due from Tenant
shall be $4,500.00  ("Monthly Rent"). For each one-quarter point increase in the
base prime lending rate,  the Monthly Rent shall  increase by $75.00.  Likewise,
for each one-quarter  point decrease in the base prime lending rate, the Monthly
Rent shall decrease by $75.00.  The Monthly Rent,  however,  shall never be less
than $4,500.00, nor greater than $4,800.00.

                                       -1-
<PAGE>

      Landlord  shall  notify  Tenant of any change in the  Monthly  Rent by the
first day of each month.

4. Security Deposit

      Upon  execution of this Lease by both  Landlord  and Tenant,  Tenant shall
deposit with Landlord the sum of $4,500.00 as a security  deposit.  The security
deposit  will be held by Landlord  and may be used by  Landlord,  in total or in
part,  to reimburse  Landlord  for expenses  incurred by Landlord to correct the
defaults  under this Lease  resulting  from  Tenant's  actions or  inaction.  If
Landlord  uses any  portion of the  security  deposit,  the amount used shall be
deemed  additional  rent due form Tenant.  Tenant agrees to pay such  additional
rent to the  Landlord on the day the next  monthly  rental  payment is due.  The
Tenant's  failure to pay the additional  rent will be deemed an event of default
as provided in Section 21 of the Lease.  Within  forty-five  (45) days following
the end of the Lease term,  Landlord shall return the security deposit to Tenant
less any amounts expended by Landlord for damages to the premises or to cure any
default of Tenant.  The security  deposit will bear no interest while it is held
by Landlord.

5. Use

      The premises shall be used as a construction  company headquarters and for
no other purpose without the written consent of the Landlord.

6. Compliance

      Tenant  covenants  and  agrees  that  in the  use  and  occupancy  of said
premises,  it will comply with all valid  federal,  state,  and municipal  laws,
regulations,  and  ordinances  and with all  lawful  requirements  of all public
authorities.  Tenant covenants to comply with federal, state, and local laws and
ordinances  in regard to nuisance,  insofar as the premises are  concerned,  and
that it will not by any act of its  own,  or its  subtenants  (if  any),  render
Landlord  liable  therefor;  that it will make good or pay at the  expiration of
this Lease,  or on the vacation of said premises,  for all broken glass,  put in
proper  repair all locks,  and return all keys to the same or, if lost,  pay for
the same at a fair valuation.

                                       -2-
<PAGE>

During the term of this Lease,  Tenant agrees  promptly to remove all ice, snow,
leaves,  trash,  and debris from any  sidewalk in front of the  premises and the
portions of any parking areas in front of and behind the premises.  Tenant shall
in all other  respects  keep, or cause to be kept, in good repair and in a neat,
clean and tenantable condition the interior of the premises.

7. Taxes

      Tenant shall pay all real estate taxes and special  assessments  levied or
assessed  against the  premises.  Tenant  shall pay all taxes levied or assessed
upon the personal  property of Tenant located upon the leased  premises or which
arise out of its possession or use of the premises.

8. Assignment and Subletting

      The premises  shall not be sublet,  assigned,  transferred  or set over by
Tenant,  by process or  operation  of law,  or in any other  manner  whatsoever,
without the prior written consent of Landlord.

9. Utilities

      Tenant  shall  contract  for in its own name and  shall,  during  the term
hereof, at its own cost and expense, pay all charges for gas, electricity, waste
disposal,  water, sewer, and telephone and any other utility services used in or
about the premises.

10. Duty to Pay

      No demand for rent need be made at any time by  Landlord.  It shall be the
duty of Tenant to pay the same,  when due,  without demand and without setoff or
deduction for any reason.

11. No Hazardous Materials

      Tenant agrees to comply with all present and future environmental laws and
regulations and with all orders of the fire marshal  respecting the premises and
the  use  made  thereof;  that  it  will  not in  violation  of  any  applicable
environmental law bring on

                                       -3-
<PAGE>

the premises any hazardous or toxic waste, material,  substance or other similar
term as defined by any present or future federal,  state or local  environmental
statute,  regulation,  order or ordinance,  nor  explosives  or articles  deemed
extra-hazardous  on  account  of  fire;  or use or  allow to be used on the said
premises any oil, burning fluids,  kerosene,  or camphor for purposes heating or
warming  purposes,   or  anything  except   incandescent   electric  lights  for
illuminating  purposes,  and  that  will  not  use or  permit  to be used on the
premises  anything that will  invalidate any policies of insurance which may now
or hereafter be carried on said premises or said building, or that will increase
the rate of insurance  thereon.  Tenant  further  agrees to  indemnify  and hold
Landlord harmless from and against any and all claims, demands, damages, losses,
liens, liabilities,  penalties, fines, lawsuits or other proceedings,  costs and
expenses  arising directly or indirectly from, or in any way connected with, the
presence of any of the above-described  substances on the premises  attributable
to events  occurring  during the term of this  Lease.  The  covenants  of Tenant
contained  herein shall survive  expiration or any earlier  termination  of this
Lease.

12. Signs; Alteration of Premises

      Tenant shall have the right, at Tenant's  expense,  to place a sign in the
front of the demised premises  providing that the sign is in compliance with all
state  and  local  ordinances  and  Tenant  receives  written  consent  from the
Landlord,  such consent,not to be unreasonably  withheld.  Tenant shall not make
any  alterations,  additions  or  improvements  to the  premises  without  first
obtaining  Landlord's  written  consent,  such  consent  not to be  unreasonably
withheld.

13. Maintenance and Repairs

      Tenant accepts the premises in its "as-is" condition and acknowledges that
as of the date of execution of this Lease the roof, foundation, structure, HVAC,
electrical and plumbing systems are all in good repair and working order. Except
as otherwise provided herein,  throughout the term of this Lease,  Tenant shall,
at its  sole  cost  and  expense,  maintain  and make  all  needed  repairs  and
replacements to the building and

                                       -4-
<PAGE>

premises including the HVAC,  electrical,  and plumbing systems,  parking areas,
walks and any and all other portions of the building or premises.

      Tenant shall be  responsible  for all routine  maintenance to the roof and
flashing  and repairs for minor leaks of the roof,  and for routine  maintenance
and minor repairs to the  foundation  and structure due to normal wear and tear.
Landlord shall be responsible  for needed major repairs or  replacements  to the
roof,  foundation  or  building  structure.  Otherwise,  Landlord  shall  not be
required   to  make  any   repairs,   improvements,   additions,   replacements,
reconstructions  or other  changes to the  premises  or  building or perform any
maintenance thereon during the term of this Lease.

      Tenant shall keep the parking areas and sidewalks  free from snow and ice,
and maintain the premises and building in a safe and  attractive  state.  In the
event  Tenant  fails to repair or maintain  the premises or building as required
herein,  Landlord,  at its sole discretion,  may make the necessary  repairs and
maintenance and charge the cost to Tenant, and Tenant shall immediately pay said
costs to Landlord.

14. Inspection

      Landlord and its agents shall have the right to enter said  premises  upon
24 hour verbal notice for the purpose of inspecting  same or exhibiting  same to
prospective purchasers, tenants, or mortgagees, upon reasonable notice.

15. Damage or Destruction

      In the  event  the  premises  or any part  thereof  are  damaged  by fire,
earthquake, the elements, or any other casualty, Tenant agrees to give immediate
written notice thereof to Landlord.  In the event that restoration,  repair, and
rehabilitation is not  substantially  completed by Landlord within 90 days after
receipt by it of notice  from Tenant as  aforesaid,  Tenant may  terminate  this
lease upon the giving of 10 days  notice in writing to  Landlord,  which  notice
must be given by Tenant to Landlord within 3 days after the expiration of the 90
days.  Landlord  must  notify  Tenant in  writing  within 30 days of the date of
damage if  Landlord  does not  intend to  restore,  repair or  rehabilitate  the
premises,  in which case  Tenant may  terminate  this Lease at any time upon the
giving of 10 days written notice to Landlord.  Landlord shall not be required to
repair the premises and shall

                                       -5-
<PAGE>

not be liable to repair or restore any trade fixtures brought or placed upon the
leased premises by Tenant.

      If only a part of the said  premises  shall be damaged so as not to render
it totally un-tenantable, the rent shall be reduced on an equitable basis to the
extent the Tenant does not have full use of the premises  until the premises are
restored  to  the  condition  which  they  were  in  prior  to  such  damage  or
destruction.  If the  damage  shall be so  extensive  as to  render  the  entire
premises wholly un-tenantable, the rent shall wholly cease from the time of such
damage or destruction  until Landlord restores the premises to substantially the
same  condition it was prior to such damage or  destruction.  If,  however,  the
leased premises shall be totally  destroyed or the damage shall be so great that
with the exercise of  reasonable  care and  diligence,  the  premises  cannot be
restored to its prior condition within 90 days after such damage or destruction,
Landlord shall,  within 14 days, so notify Tenant in writing.  Tenant shall have
the option, for a period of 10 days after said notice, to cancel this Lease.

      In the event of a partial loss or total  destruction of the premises,  the
proceeds of the insurance  required in Section 18 of this Lease shall be paid to
Landlord.  Landlord  shall  have no  liability  for any  loss or  injury  to any
personal   property  of  Tenant  destroyed  or  damaged  through  casualty  loss
including,  but  not  limited  to,  any  improvements,  furniture,  fixtures  or
equipment.  Tenant  may,  at his option,  maintain  insurance  at its cost which
protects Tenant's personal property located on the premises from casualty loss.

16. Condemnation

      If all or a portion of the  premises,  to the extent  that it is no longer
practical for Tenant to operate its  business,  is taken by the power of eminent
domain,  the Tenant, at its option, may cancel this Lease upon written notice to
Landlord.

      Any  award  for  property  taken  by  power  of  eminent  domain  shall be
apportioned   between  the  Landlord  and  Tenant  on  an  equitable  basis.  In
determining  the  equitable  apportionment  between  Landlord  and  Tenant,  the
Landlord  shall be entitled to receive  such portion of any award or proceeds as
shall  represent  compensation  for  the  value  of the  building  or  premises,
excluding the value of any improvements to the building or

                                       -6-
<PAGE>

premises  made by Tenant,  and any  severance,  consequential,  or other damages
awarded for the value to Landlord of the remainder of the Lease. Tenant shall be
entitled  to  receive  the value of  Tenants  improvements,  in an amount not to
exceed the actual cost incurred by Tenant in making said improvements.

      In the event of a partial  taking of the  premises,  and if this Lease has
not been terminated as provided above, the condemnation award shall be allocated
between the Landlord and Tenant as provided above. In addition,  the Lease shall
remain in full force and effect with respect to the  remainder of the  premises,
except  that rent  payable by Tenant  from and after the date of taking,  taking
into  account  the amount,  location  and value of the  premises  which were the
subject of the taking,  shall be reduced on an equitable basis to the extent the
Tenant does not have full use of the premises.  In the event the parties  cannot
agree to the amount of reduction in rent within  thirty (30) days after the date
of taking,  that amount shall be  determined  by a qualified  appraiser  jointly
selected by (and the expense shall be shared equally by) Landlord and Tenant.

17. Indemnification

      Landlord  shall not be liable for injury to persons or damage to  property
occurring in or upon the  premises or on any sidewalk in front of the  premises,
during the term of this Lease, and upon demand,  Tenant shall indemnify,  defend
and hold  Landlord  harmless  from any and all  claims as a result  of  personal
injury or property damage in or upon the premises or on any sidewalk in front of
the  premises  during the term of the Lease,  unless  due to the  negligence  or
misconduct of Landlord or its employees, agents, or contractors.

18. Insurance Requirements

      (a)  Tenant's  Liability  Insurance.  Throughout  the Term of this  Lease,
Tenant  shall  maintain  in  force,   commercial  general  liability   insurance
(including  liability  due to  onpremises  operations  arising  from  explosion,
collapse and underground  coverage,  blanket contractual coverage and broad-form
property damage coverage) under a policy or policies  providing  combined single
limit  coverage of not less than one million  dollars  ($1,000,000.00)  for each
occurrence and a one million dollar ($1,000,000.00) aggregate,

                                       -7-
<PAGE>

together with comprehensive  automobile  liability insurance for any automobiles
owned by Tenant and utilized in  connection  with the business  conducted on the
premises  (covering  both bodily  injury and property  damage) under a policy or
policies  providing  combined single limit coverage of not less than one million
dollars  ($1,000,000.00)  and workmen's  compensation  and employer's  liability
insurance  in such  amounts as shall be required  by law from time to time.  All
such  insurance  shall name  Landlord and  Landlord's  Mortgagees  as additional
insured's.

      (b) Tenant's Casualty Insurance. Throughout the Term of this Lease, Tenant
shall keep the premises and building  and all portions  thereof,  including  all
fixtures and equipment in or appurtenant  to the premises or building  essential
to the operation and  maintenance  of the building and operation of the business
conducted upon the premises and all alterations,  changes or additions  thereto,
insured for the benefit of the Landlord,  Landlord's  Mortgagee and Tenant,  and
naming  such  parties as  insureds  as their  respective  interests  may appear,
against  loss or  damage  by fire or other  casualties  covered  by a  customary
"special perils" coverage  endorsement in the amount of $504,000.00,  and at all
times sufficient to meet the coinsurance requirements under such policy, without
allowance or deduction for depreciation and with the lowest  deductible which is
obtainable at reasonable  cost.  Tenant shall bear the cost of all  deductibles.
Landlord  reserves  the  right to  increase  the  coverage  amount  to cover any
increase in the value of the premises.  During any period in which construction,
renovation  alteration,  or  substantial  repair work is being  performed on the
building (of which Tenant shall notify the  Landlord),  Tenant shall maintain in
force builder's all-risk coverage,  with fire and extended coverages,  including
endorsements providing explosion,  collapse,  and underground  coverages,  which
shall  include or shall be written as an  endorsement  to the casualty  coverage
required by the preceding  sentence.  Such  builder's  all-risk  coverage  shall
protect the interests of Landlord and Tenant  Landlord's  Mortgagee and Tenant's
contractors. Tenant shall further insure all of its personal property, equipment
and trade  fixtures  for the  replacement  cost  thereof,  all of which shall be
maintained upon the premises throughout the Term at the sole risk of Tenant.

      (c) Copies of all insurance policies shall be sent by Tenant's insurers to
Landlord and  Landlord's  mortgagee  prior to the  execution  of this Lease.  In
addition, Tenant shall

                                       -8-
<PAGE>

instruct all insurers  that during the term of this Lease,  all  correspondence,
including,  but not limited to, premium notices,  renewal  notices,  or coverage
changes shall also be sent to Landlord and Landlord's mortgagee.

19. No Surrender

      It is mutually agreed that no surrender of the premises, or of any portion
of the term  herein  created,  shall be valid  unless  accepted  by  Landlord in
writing.

20. Default

      Tenant agrees that an event of default shall occur if (i) the Monthly Rent
due under this Lease, or any part thereof, shall be unpaid for 10 days after the
same is due,  or (ii) if Tenant  shall fail to keep and perform any of the other
covenants,  conditions,  provisions,  and agreements herein contained to be kept
and  performed  by Tenant,  and said  default  shall  continue for 15 days after
written  notice  thereof  has been  given  Tenant by  Landlord,  or (iii) if the
leasehold  interest of Tenant shall be levied upon under any execution  which is
not  removed  within 10 days.  In any such event,  Landlord  may, at its option,
terminate  Tenant's  right to possess the premises,  accelerate  and declare all
remaining  Monthly Rent provided for under this Lease to be immediately  due and
payable in full in an amount  based  upon the amount of Monthly  Rent due during
the month in which the default  occurred,  and  re-enter the premises and change
the locks,  with or without  terminating  this Lease.  Tenant  hereby waives all
requirements of notice to vacate except as provided in this paragraph and agrees
to surrender  possession of the premises  peaceably.  Tenant shall pay all costs
incurred by  Landlord as a result of a breach of this Lease by Tenant  including
attorney  fees,  broker fees or  commissions,  and cost of fit-up and re-letting
expenses.  Any  personal  property  remaining  on the  premises  after  Landlord
re-enters the property shall be deemed abandoned by Tenant.

21. Return of Premises

      Tenant  agrees  immediately  upon the  termination  of  Tenant's  right to
possess the premises, for any of the causes specified in this Lease, and whether
or not the Lease is thereby terminated,  or upon the expiration of said Lease by
lapse of time, to remove all

                                       -9-
<PAGE>

effects  belonging  to Tenant  from the  premises,  and to vacate and  surrender
possession of said  premises to Landlord in the same  condition as when received
(ordinary  wear, tear and  depreciation  excepted),  including all  improvements
added thereto by either party, except trade fixtures installed at the expense of
Tenant, which may be removed at the expense of Tenant,  subject to any statutory
lien in favor of Landlord, and subject to the Tenant's duty to repair any damage
caused by its removal of said trade fixtures.

      If such  possession  be not  immediately  surrendered,  it is agreed  that
Landlord may forthwith  re-enter said premises and remove any persons or effects
therefrom,  using such force as may be necessary for that purpose  without being
deemed  guilty in any manner of trespass,  forcible  entry,  or  detainer;  said
Tenant hereby  expressly  agrees that the mailing of a written notice by regular
mail of Landlord's  intention to terminate this lease, or reenter said premises,
in the manner  herein  provided  for  noticed,  three (3) days in advance of the
actual  re-entry,  shall be the only notice  required,  and expressly waives the
service  of any  demand  for the  payment  of  Monthly  Rent or other  money due
Landlord  hereunder,  and the  service of any and every  other  notice or demand
within the meaning of the Kentucky Revised Statutes.

      The  receipt by Landlord  of partial  payment  from Tenant of any past due
Monthly  Rent after  Landlord  had given  notice to Tenant of its  intention  to
terminate the Lease, or after the termination thereof,  shall not operate in any
way to  reinstate,  continue,  or extend the term of this  Lease,  of affect any
notice given prior thereto,  it being agreed that the payment of said rent shall
not waive or affect any notice, suit, or judgment.

      If Tenant  neglects or refuses to remove all effects  belonging  to Tenant
from the premises  immediately  upon the termination or expiration of this Lease
as provided  above,  it is agreed that Landlord  may, at its option,  remove the
same or any part thereof,  and store the effects so removed without liability to
Tenant for the loss  thereof,  in such event,  Tenant agrees to pay Landlord for
any and all expenses incurred in removing and storing said effects. Alternately,
Landlord may, at its option,  upon 10 days' written notice to Tenant,  sell said
effects,  or any of them,  for such price as Landlord  deems best, and apply the
proceeds of such sale to the payment of any  amounts  due  Landlord  from Tenant
under this Lease,  including  the cost of  removing,  storing,  or selling  said
effects.

                                      -10-
<PAGE>

22. Holdover

      If, without the execution of a new Lease or written extension and with the
consent of Landlord,  Tenant shall hold over after the expiration of the term of
this Lease, Tenant shall be deemed to be occupying the premises as a tenant from
month to month,  which  tenancy may be  terminated by either party upon 30 days'
written notice to the other. During such tenancy, Tenant hereby agrees to pay to
Landlord 1 1/2 times the amount of the Monthly Rent that would be due for such a
period at the rate  specified  herein,  and to be otherwise  bound by all of the
other terms, covenants and conditions as herein specified.  This provision shall
not  operate  as a waiver  by  Landlord  of any  right of  re-entry  hereinabove
provided.

23. No Waiver

      The failure of Landlord to insist upon a strict  performance  by Tenant of
any of the covenants or conditions of this Lease, or to declare a forfeiture for
any  violations  thereof,  or to exercise any option  conferred on it hereunder,
shall not be construed as a waiver or relinquishment for the future of its right
to insist upon a strict compliance by Tenant with all the covenants, agreements,
and conditions  thereof,  or its right to exercise said options, or to declare a
forfeiture for the violation of such condition or agreement, if the violation be
continued or repeated.

24. No Alterations

      Tenant will not permit or make any  alterations of or upon any part of the
premises except with the prior written  consent of Landlord,  which shall not be
unreasonably  withheld.  All alterations  and additions to the premises,  except
trade fixtures, shall remain for the benefit of Landlord unless otherwise agreed
in writing by Landlord. Tenant further agrees, in the event of such alterations,
to indemnify and save Landlord  harmless from all expenses,  liens,  claims,  or
damages to persons,  property or the premises  arising out of or resulting  from
the undertaking or making of said alterations or additions.

25. Notices

                                      -11-
<PAGE>

      All notices to be given by Landlord to Tenant in pursuance of the terms of
this Lease,  or otherwise,  shall be deemed to be fully given if sent by regular
mail addressed to Skilton Construction,  LLC at 301 Blue Sky Parkway, Lexington,
Kentucky,  40509, and GKT  Enterprises,  LLC at P.O. Box 22173,  Lexington,  KY,
40522,  or such  other  address of Tenant as may be  furnished  to  Landlord  in
writing  from time to time.  All  notices  to be given by  Tenant  to  Landlord,
pursuant to terms of this Lease, or otherwise, shall be deemed to be fully given
if sent by regular mail to 3505 Castlegate Court, Lexington,  Kentucky, 40502 to
such other address as Landlord may advise Tenant to use.

26. Priority of Lease

      This Lease shall automatically be subordinate to any and all mortgages and
other  security  instruments  now  existing,  or which may  hereafter be made by
Landlord covering the premises and/or the real property underlying the same, and
Tenant covenants to make, execute,  acknowledge and deliver upon request any and
all  documents or  instruments  demanded by Landlord  which may be necessary for
more fully  assuring the  subordination  of this lease to any such  mortgages or
other  security  instruments.  If requested by mortgage,  Tenant shall execute a
separate subordination, attornment and non-disturbance agreement.

27. Estoppel Certificate

      Tenant shall at any time and from time to time  execute,  acknowledge  and
deliver  to  Landlord,  or to such party as may be  designated  by  Landlord,  a
statement in writing  certifying:  (a) that this Lease is unmodified and in full
force and effect (or if there has been any modification  hereof that the same is
in full force and effect as modified and stating the nature of the  modification
or  modifications);  (b) that to the best of its  knowledge,  Landlord is not in
default under this Lease (or if any such default exists the specific  nature and
extent thereof);  (c) the date to which rent and other charges have been paid in
advance, if any; and (d) such other matters as Landlord shall request.

28. Entire Agreement

                                      -12-
<PAGE>

      This Lease  contains all covenants  and  agreements  between  Landlord and
Tenant  relating in any manner to the rental,  use and occupancy of the premises
and  the  other  matters  set  forth  in  this  Lease.  No  prior  agreement  or
understanding  pertaining  to the same shall be valid or of any force or effect,
and the  covenants  and  agreements  of this Lease  cannot be  altered,  changed
modified  or added to except  in  writing  signed by  Landlord  and  Tenant.  No
representation,  inducement,  understanding or anything of any nature whatsoever
made,  stated or represented on Landlord's  behalf,  either orally or in writing
(except this Lease), has induced Tenant to enter into this Lease.

29. Severability

      Any provision or provisions of this Lease which shall prove to be invalid,
void or illegal shall in no way affect, impair or invalidate any other provision
hereof,  and the  remaining  provisions  hereof  shall  remain in full force and
effect.

30. Attorney Fees

      In the event Landlord  employs an attorney to secure Tenant's  performance
of any of its obligations  under the terms and conditions of this Lease,  Tenant
shall be liable  for  Landlord's  reasonable  attorney  fees and other  costs or
expenses incurred by Landlord in connection therewith.

31. Waiver

      The parties to this Lease hereby waive their rights to a jury trial in the
event of legal action between the parties.  The Tenant hereby further waives any
right of  permissive  counterclaims,  counter  suit,  or set-off in the event of
legal action between the parties to this Lease.

32. Successors and Assigns

      This Lease  shall be binding  upon and enure to the benefit of the parties
hereto, their successors and assigns.

33. Liens

                                      -13-
<PAGE>

      If, because of any act or omission of Tenant or anyone claiming through or
under  Tenant,  any  mechanic's  or other lien is filed  against the premises or
against Landlord,  Tenant shall at its sole cost and expense,  cause the same to
be cancelled  and  discharged of record within 30 days after the date of filing,
and shall also indemnify and save harmless Landlord from and against any and all
costs,  expenses,  claims,  losses, or damages whatsoever,  including reasonable
attorney fees.

34. Right of First Refusal

      Landlord  hereby  grants  Tenant a right of first  refusal to purchase the
premises during the term of this Lease under the following terms and conditions:

      (A) Tenant shall not be in default under any of the terms or conditions of
this Lease.

      (B) In the event  Landlord  receives a bonafide  offer from a third  party
during the term of this Lease which is  acceptable  to Landlord,  Landlord  will
notify  and extend to Tenant by written  notice,  the right of first  refusal to
purchase the  premises  upon the same terms and  conditions  as contained in the
bonafide offer. Within 10 days from the date of Landlord's notice to Tenant, the
Tenant must  exercise  the right of first  refusal by giving  written  notice to
Landlord of its intent and  commitment  to purchase the  premises  upon the same
terms and  conditions as the bonafide  offer.  Tenant must close the purchase of
the premises  within 60 days of the date of Tenant's  written notice to Landlord
of its intent to  exercise  its right of first  refusal.  Time is of the essence
with regard to all of Tenant's deadlines contained herein.

35. Quiet Enjoyment

      Provided  Tenant  performs all of its covenants and  conditions  contained
herein,  Landlord  covenants  that  Tenant  shall  have the  peaceful  and quiet
enjoyment of the premises, subject to easements,  restrictions and other matters
of record,  and that  Landlord  will  defend  Tenant in the  peaceful  and quiet
enjoyment of the premises  against the lawful claim of any persons  claiming by,
through or under Landlord.

                                      -14-
<PAGE>

      IN WITNESS WHEREOF, Landlord and Tenant, either in person or through their
officers who have been duly  authorized  to take such  action,  have caused this
Lease to be executed as of the date first above written.

LANDLORD: ROBCOR, LLC

By: /s/ Michael E. Heitz, member
    ----------------------------------
    MICHAEL E. HEITZ, MEMBER

TENANT:
SKILTON CONSTRUCTION, LLC

By: /s/ Kevin [ILLEGIBLE]
    ----------------------------------
Title: Managing Member
       -------------------------------

GKT ENTERPRISES, LLC

By: /s/ Kevin [ILLEGIBLE]
    ----------------------------------
Title: Managing Member
       -------------------------------

                                      -15-

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00086-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00086-of-00352.parquet"}]]