Document:

EXHIBIT 10.22

                             MODIFICATION AGREEMENT
                              ($2,300,000.00 NOTE)

         THIS MODIFICATION AGREEMENT (this "Agreement") is dated effective as of
April 8, 2000. The parties hereto are SURREY, INC. ("Borrower"), a Texas
corporation, whose address is 13110 Trails End Road, Leander, Texas 78641, and
CHASE BANK OF TEXAS, NATIONAL ASSOCIATION ("Lender"), a national banking
association, whose address is 700 Lavaca, Austin, Texas 78701, Attention:
Manager, Commercial Lending Division.

RECITALS:

         Borrower executed and delivered to Lender a promissory note dated April
8, 1998 (which, as it may have been renewed, extended or rearranged, is herein
called the "Note"), in the original principal sum of Two Million Three Hundred
Thousand Dollars ($2,300,000.00) bearing interest on the unpaid balance thereof
at the rate or rates therein stated, with a final stated maturity thereof of
April 8, 2005.

         The Note was issued pursuant to that certain Loan Agreement dated April
8, 1998 (which, as it may have been amended, supplemented or restated, is herein
called the "Loan Agreement") between Borrower and Lender and pursuant to that
certain Construction Loan Agreement dated April 8, 1998 (which as it may have
been amended, supplemented or restated, is herein called the "Construction Loan
Agreement") between Borrower and Lender. Lender is entitled to the benefits of
the Loan Agreement and the Construction Loan Agreement and the security provided
for in each including, among other security, a Deed of Trust, Absolute
Assignment of Rents, Security Agreement and Financing Statement (the "Deed of
Trust") dated April 8, 1998 from Borrower to David L. Mendez, Trustee for the
benefit of Lender, recorded in Volume 13159, Page 1726 of the Real Property
Records of Travis County, Texas, to which instrument reference is here made for
description of the collateral for the Note and for all other purposes. The
property covered and affected by such instrument is herein called the
"Property". The liens, security interests and assignments of the Deed of Trust
and of all other documents and instruments now or hereafter governing,
evidencing, guaranteeing or securing or otherwise relating to payment of all or
any part of the indebtedness evidenced by the Note (collectively, the "Credit
Documents") are hereinafter collectively called the "Liens".

         Borrower and Lender now agree to make certain changes to the Note and
to ratify the Liens and confirm that they continue to secure the Note, as
modified hereby, all as set forth in the succeeding provisions of this Agreement
(which shall control over any conflicting or inconsistent recitals above).

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<PAGE>

AGREEMENTS:

         In consideration of the premises and the mutual agreements herein set
forth, Borrower and Lender hereby agree as follows:

         1. CERTAIN DEFINITIONS. The following words and terms shall, unless the
context otherwise requires, have the meanings provided below:

                  (a) "CEILING RATE" means, on any day, the maximum nonusurious
rate of interest permitted for that day by whichever of applicable federal or
Texas laws permits the higher interest rate, stated as a rate per annum. On each
day, if any, that applicable Texas law establishes the Ceiling Rate, the Ceiling
Rate shall be the "weekly ceiling" (as defined in ss. 303 of thE Texas Finance
Code -- "Texas Finance Code" -- as amended) for that day. Lender may from time
to time, as to current and future balances, implement any other ceiling
permitted under the Texas Finance Code by notice to Borrower, if and to the
extent permitted by, the Texas Finance Code. Without notice to Borrower or any
other person or entity, the Ceiling Rate shall automatically fluctuate upward
and downward as and in the amount by which such maximum nonusurious rate of
interest permitted by applicable law fluctuates.

                  (b) "MATURITY DATE" means the maturity of the Note, April 8,
2005, as the same may hereafter be accelerated pursuant to the provisions of the
Note or any of the other Credit Documents.

                  (c) "PAST DUE RATE" means, on any day, a rate per annum equal
to the Ceiling Rate for that day, or only if applicable law imposes no maximum
nonusurious rate of interest for that day, then the Past Due Rate for that day
shall be a rate per annum equal to eighteen percent (18%) per annum.

                  (d) "PRIME RATE" means, on any day, the rate determined by
Lender as being its prime rate for that day. Without notice to Borrower or any
other person or entity, the Prime Rate shall automatically fluctuate upward and
downward as and in the amount by which said prime rate fluctuates, with each
change to be effective as of the date of each change in said prime rate. THE
PRIME RATE IS A REFERENCE RATE AND DOES NOT NECESSARILY REPRESENT THE LOWEST OR
BEST RATE ACTUALLY CHARGED TO ANY CUSTOMER, AND LENDER DISCLAIMS ANY STATEMENT,
REPRESENTATION OR WARRANTY TO THE CONTRARY. LENDER MAY MAKE COMMERCIAL LOANS OR
OTHER LOANS AT RATES OF INTEREST AT, ABOVE OR BELOW THE PRIME RATE.

                  (e) "STATED RATE" means, on any day, a rate per annum equal to
the Prime Rate for that day plus one percent (1%); provided, that if on any day
the Prime Rate for that day plus one percent (1%) shall exceed the Ceiling Rate
for that day, the Stated Rate shall be fixed at the Ceiling Rate on that day and
on each day thereafter until the total amount of interest accrued

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at the Stated Rate on the unpaid balance of the Note equals the total amount of
interest which would have accrued if there had been no Ceiling Rate. If the Note
matures (or is prepaid) before such equality is achieved, then, in addition to
the unpaid principal and accrued interest then owing pursuant to the other
provisions of the Note, Borrower promises to pay on demand to the order of the
holder of the Note interest in an amount equal to the excess (if any) of (a) the
lesser of (i) the total interest which would have accrued on the Note if the
Stated Rate had been defined as equal to the Ceiling Rate from time to time in
effect and (ii) the total interest which would have accrued on the Note if the
Stated Rate were not so prohibited from exceeding the Ceiling Rate, over (b) the
total interest actually accrued on the Note to such maturity (or prepayment)
date. Without notice to Borrower or any other person or entity, the Stated Rate
shall automatically fluctuate upward and downward in accordance with the
provisions of this Subparagraph.

         2. BALANCE. The present advanced and unpaid principal balance of the
Note is Two Million One Hundred Fifty-Six Thousand Two Hundred Forty-Nine and
65/100 Dollars ($2,156,249.65). No amounts remain unadvanced against the Note
and Lender shall have no obligation to make any further advances under the Note.

         3. INTEREST RATE. The unpaid principal balance of the Note from time to
time outstanding shall bear interest from the effective date hereof at the
Stated Rate and all past due amounts, both principal and accrued interest, shall
bear interest from the respective due dates thereof until paid at the Past Due
Rate; provided, that for the full term of the Note the interest rate produced by
the aggregate of all sums paid or agreed to be paid to the holder of the Note
for the use, forbearance or detention of the debt evidenced thereby (including
all interest on the Note at the Stated Rate) shall not exceed the Ceiling Rate.
Interest on the amount of each advance against the Note shall be computed for
the actual number of days elapsed in a year consisting of 360 days, unless the
Ceiling Rate would thereby be exceeded, in which event, to the extent necessary
to avoid exceeding the Ceiling Rate, interest shall be computed on the basis of
the actual number of days elapsed in the applicable calendar year in which
accrued.

         4. PAYMENT SCHEDULE.

                  (a) Accrued and unpaid interest on the unpaid principal
balance of the Note shall be due and payable (i) on May 8, 2000, (ii) on the
eighth (8th) day of each succeeding calendar month thereafter before the
Maturity Date, and (iii) on the Maturity Date.

                  (b) The principal of the Note shall be due and payable in
monthly installments in the amount described below. The first installment shall
be due and payable on May 8, 2000, and a like installment shall be due and
payable on the eighth (8th) day of each succeeding calendar month thereafter
until the Note shall have been fully paid and satisfied; provided, that on the
Maturity Date, the entire unpaid principal balance of the Note and all accrued
and unpaid interest on the unpaid principal balance of the Note shall be finally
due and payable. The amount

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of the required monthly principal installment shall be $9,583.33 for each
monthly payment due prior to or on April 8, 2001, and shall thereafter be
$12,777.78.

         5. APPLICATION OF PAYMENTS. All payments shall be applied first to
accrued interest and the balance to principal. All prepayments shall be applied
first to accrued interest and the balance to the remaining principal
installments in inverse order of their maturity.

         6. PREPAYMENT. Borrower may at any time pay all or any part of the Note
without the payment of any premium or fee.

         7. EXPENSES. In addition to and cumulative of the other provisions of
the Credit Documents, to the extent not prohibited by applicable law, Borrower
will pay all costs and expenses and reimburse Lender for any and all
expenditures of every character incurred or expended in connection with the
preparation, negotiation, documentation, closing, renewal, revision,
modification, increase, review or restructuring of this Agreement or any loan or
credit facility secured by any of the Liens. Any amount to be paid under this
Paragraph by Borrower to Lender shall be a demand obligation owing by Borrower
to Lender and shall bear interest from the date of expenditure at the Past Due
Rate.

         8. NO USURY INTENDED; SPREADING. Notwithstanding any provision to the
contrary contained in the Note or any of the other Credit Documents, it is
expressly provided that in no case or event shall the aggregate of (i) all
interest on the unpaid balance of the Note, accrued or paid from the date hereof
and (ii) the aggregate of any other amounts accrued or paid pursuant to the Note
or any of the other Credit Documents, which under applicable laws are or may be
deemed to constitute interest upon the indebtedness evidenced by the Note ever
exceed the Ceiling Rate. In this connection, Borrower and Lender expressly
stipulate and agree that it is their common and overriding intent to contract in
strict compliance with the applicable usury laws. In furtherance thereof, none
of the terms of the Note or any of the other Credit Documents shall ever be
construed to create a contract to pay, as consideration for the use, forbearance
or detention of money, interest at a rate in excess of the Ceiling Rate.
Borrower or other parties now or hereafter becoming liable for payment of the
indebtedness evidenced by the Note shall never be liable for interest in excess
of the Ceiling Rate. If, for any reason whatever, the interest paid or received
on the Note during its full term produces a rate which exceeds the Ceiling Rate,
the holder of the Note shall credit against the principal of the Note (or, if
such indebtedness shall have been paid in full, shall refund to the payor of
such interest) such portion of said interest as shall be necessary to cause the
interest paid on the Note to produce a rate equal to the Ceiling Rate. All sums
paid or agreed to be paid to the holder of the Note for the use, forbearance or
detention of the indebtedness evidenced thereby shall, to the extent permitted
by applicable law, be amortized, prorated, allocated and spread in equal parts
throughout the full term of the Note, so that the interest rate is uniform
throughout the full term of the Note. The provisions of this paragraph shall
control all agreements, whether now or hereafter existing and whether written or
oral, between Borrower and Lender.

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<PAGE>

         9. BUSINESS LOANS. Borrower warrants and represents to Lender and all
other holders of the Note that all loans evidenced by the Note are and will be
for business, commercial, investment or other similar purpose and not primarily
for personal, family, household or agricultural use, as such terms are used in
the Texas Finance Code.

         10. SALE AND ASSIGNMENT. Lender reserves the right, exercisable in its
sole discretion and without notice to Borrower or any other person, to sell
participations or assign its interest, or both, in all or any part of the Note
or any loan evidenced by the Note.

         11. LIEN CONTINUATION; MISCELLANEOUS. The Liens are hereby ratified and
confirmed as continuing to secure the payment of the Note, as modified hereby.
Nothing herein shall in any manner diminish, impair or extinguish the Note, any
of the other Credit Documents or the Liens. The Liens are not waived. To the
extent of any conflict between the Note or any of the other Credit Documents (or
any earlier modification of any of them) and this Agreement, this Agreement
shall control. Except as hereby expressly modified, all terms of the Note and
the other Credit Documents (as any of them may have been previously modified by
any written agreement) remain in full force and effect. If more than one person
or entity execute this Agreement as "Borrower", each shall be jointly and
severally liable for the obligations of Borrower hereunder. This Agreement (a)
shall bind and benefit Borrower and, except as herein expressly limited, Lender
and their respective heirs, beneficiaries, administrators, executors, receivers,
trustees, successors and assigns (provided, that Borrower shall not assign its
rights hereunder without the prior written consent of Lender); (b) may be
modified or amended only by a writing signed by each party; (c) SHALL BE
GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE APPLICABLE LAWS OF THE STATE OF
TEXAS AND THE UNITED STATES OF AMERICA FROM TIME TO TIME IN EFFECT; (d) may be
executed in several counterparts, and by the parties hereto in separate
counterparts, and each counterpart, when executed and delivered, shall
constitute an original agreement enforceable against all who signed it without
production of or accounting for any other counterpart, and all separate
counterparts shall constitute the same agreement and (e) embodies the entire
agreement and understanding between the parties with respect to modifications of
instruments provided for herein and supersedes all prior conflicting or
inconsistent agreements, consents and understandings relating to such subject
matter. Borrower acknowledges and agrees that there are no oral agreements
between Borrower and Lender which have not been incorporated in this Agreement.
If any provision of this Agreement should be determined by any court of
competent jurisdiction to be illegal, invalid or unenforceable under present or
future laws, the legality, validity and enforceability of the remaining
provisions of this Agreement shall not be affected thereby. Each waiver in this
Agreement is subject to the overriding and controlling rule that it shall be
effective only if and to the extent that (a) it is not prohibited by applicable
law and (b) applicable law neither provides for nor allows any material
sanctions to be imposed against Lender for having bargained for and obtained it.
Wherever the term "including" or a similar term is used in this Agreement, it
shall be read as if it were "including by way of example only and without in any
way limiting the generality of the clause or concept referred to." Any exhibits,
appendices and annexes described in this Agreement as being attached to it are
hereby

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<PAGE>

incorporated into it. The headings in this Agreement shall be accorded no
significance in interpreting it.

               NOTICE PURSUANT TO TEX. BUS. & COMM. CODE SS.26.02

THIS AGREEMENT AND ALL OTHER CREDIT DOCUMENTS EXECUTED BY ANY OF THE PARTIES
BEFORE OR SUBSTANTIALLY CONTEMPORANEOUSLY WITH THE EXECUTION HEREOF, TOGETHER
CONSTITUTE A WRITTEN LOAN AGREEMENT WHICH REPRESENTS THE FINAL AGREEMENT BETWEEN
THE PARTIES AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS OR
SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES. THERE ARE NO UNWRITTEN ORAL
AGREEMENTS BETWEEN THE PARTIES.

         EXECUTED effective as of the date first set forth above.

                                     SURREY, INC. a Texas corporation

                                     By:
                                        ----------------------------------------
                                     Name:
                                          --------------------------------------
                                     Title:
                                           -------------------------------------
                                                                      "Borrower"

                                     CHASE BANK OF TEXAS,
                                     NATIONAL ASSOCIATION

                                     By:
                                        ----------------------------------------
                                     Name:
                                          --------------------------------------
                                     Title:
                                           -------------------------------------
                                                                        "Lender"

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<PAGE>

THE STATE OF TEXAS       ss.
                         ss.
COUNTY OF TRAVIS         ss.

         This  instrument  was  acknowledged  before me on the ______ day of
April, 2000, by  ___________________,  __________________  of Surrey,  Inc., a
Texas corporation, on behalf of said corporation.

                                       -----------------------------------------
                                       Notary Public, State of Texas

THE STATE OF TEXAS       ss.
                         ss.
COUNTY OF TRAVIS         ss.

         BEFORE ME, the undersigned Notary Public, on this day personally
appeared ________________________, known to me to be the person and officer
whose name is subscribed to the foregoing instrument and acknowledged to me that
the same was the act of the said Chase Bank of Texas, National Association, a
national banking association, and that (s)he executed the same as the act and
deed of such association for the purposes and consideration therein expressed
and in the capacity therein stated.

         GIVEN  under my hand and seal of  office  this ______ day of April,
2000.

                                       -----------------------------------------
                                       Notary Public, State of Texas

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AFTER RECORDING, RETURN TO:
--------------------------

Joe Swynnerton
Chase Bank of Texas, N.A.
700 Lavaca
Austin, Texas 78701

8EXHIBIT 10.23

                             MODIFICATION AGREEMENT
                               ($400,000.00 NOTE)

         THIS MODIFICATION AGREEMENT (this "Agreement") is dated effective as of
April 8, 2000. The parties hereto are SURREY, INC. ("Borrower"), a Texas
corporation, whose address is 13110 Trails End Road, Leander, Texas 78641, and
CHASE BANK OF TEXAS, NATIONAL ASSOCIATION ("Lender"), a national banking
association, whose address is 700 Lavaca, Austin, Texas 78701, Attention:
Manager, Commercial Lending Division.

RECITALS:

         Borrower executed and delivered to Lender a promissory note dated
January 25, 1999 (which, as it may have been renewed, extended or rearranged, is
herein called the "Note"), in the original principal sum of Four Hundred
Thousand Dollars ($400,000.00) bearing interest on the unpaid balance thereof at
the rate or rates therein stated, with a final stated maturity thereof of
February 8, 2004.

         The Note was issued pursuant to that certain Loan Agreement dated April
8, 1998 (which, as it may have been amended, supplemented or restated, is herein
called the "Loan Agreement") between Borrower and Lender and pursuant to that
certain Construction Loan Agreement dated January 25, 1999 (which as it may have
been amended, supplemented or restated, is herein called the "Construction Loan
Agreement") between Borrower and Lender. Lender is entitled to the benefits of
the Loan Agreement and the Construction Loan Agreement and the security provided
for in each including, among other security, a Deed of Trust, Absolute
Assignment of Rents, Security Agreement and Financing Statement (the "Deed of
Trust") dated January 25, 1999 from Borrower to David L. Mendez, Trustee for the
benefit of Lender, recorded in Volume 13357, Page 2831 of the Real Property
Records of Travis County, Texas, to which instrument reference is here made for
description of the collateral for the Note and for all other purposes. The
property covered and affected by such instrument is herein called the
"Property". The liens, security interests and assignments of the Deed of Trust
and of all other documents and instruments now or hereafter governing,
evidencing, guaranteeing or securing or otherwise relating to payment of all or
any part of the indebtedness evidenced by the Note (collectively, the "Credit
Documents") are hereinafter collectively called the "Liens".

         Borrower and Lender now agree to make certain changes to the Note and
to ratify the Liens and confirm that they continue to secure the Note, as
modified hereby, all as set forth in the succeeding provisions of this Agreement
(which shall control over any conflicting or inconsistent recitals above).

1
<PAGE>

AGREEMENTS:

         In consideration of the premises and the mutual agreements herein set
forth, Borrower and Lender hereby agree as follows:

         1. CERTAIN DEFINITIONS. The following words and terms shall, unless the
context otherwise requires, have the meanings provided below:

                  (a) "CEILING RATE" means, on any day, the maximum nonusurious
rate of interest permitted for that day by whichever of applicable federal or
Texas laws permits the higher interest rate, stated as a rate per annum. On each
day, if any, that applicable Texas law establishes the Ceiling Rate, the Ceiling
Rate shall be the "weekly ceiling" (as defined in ss. 303 of thE Texas Finance
Code -- "Texas Finance Code" -- as amended) for that day. Lender may from time
to time, as to current and future balances, implement any other ceiling
permitted under the Texas Finance Code by notice to Borrower, if and to the
extent permitted by, the Texas Finance Code. Without notice to Borrower or any
other person or entity, the Ceiling Rate shall automatically fluctuate upward
and downward as and in the amount by which such maximum nonusurious rate of
interest permitted by applicable law fluctuates.

                  (b) "MATURITY DATE" means the maturity of the Note, February
8, 2004, as the same may hereafter be accelerated pursuant to the provisions of
the Note or any of the other Credit Documents.

                  (c) "PAST DUE RATE" means, on any day, a rate per annum equal
to the Ceiling Rate for that day, or only if applicable law imposes no maximum
nonusurious rate of interest for that day, then the Past Due Rate for that day
shall be a rate per annum equal to eighteen percent (18%) per annum.

                  (d) "PRIME RATE" means, on any day, the rate determined by
Lender as being its prime rate for that day. Without notice to Borrower or any
other person or entity, the Prime Rate shall automatically fluctuate upward and
downward as and in the amount by which said prime rate fluctuates, with each
change to be effective as of the date of each change in said prime rate. THE
PRIME RATE IS A REFERENCE RATE AND DOES NOT NECESSARILY REPRESENT THE LOWEST OR
BEST RATE ACTUALLY CHARGED TO ANY CUSTOMER, AND LENDER DISCLAIMS ANY STATEMENT,
REPRESENTATION OR WARRANTY TO THE CONTRARY. LENDER MAY MAKE COMMERCIAL LOANS OR
OTHER LOANS AT RATES OF INTEREST AT, ABOVE OR BELOW THE PRIME RATE.

                  (e) "STATED RATE" means, on any day, a rate per annum equal to
the Prime Rate for that day plus one percent (1%); provided, that if on any day
the Prime Rate for that day plus one percent (1%) shall exceed the Ceiling Rate
for that day, the Stated Rate shall be fixed at the Ceiling Rate on that day and
on each day thereafter until the total amount of interest accrued at the Stated
Rate on the unpaid balance of the Note equals the total amount of interest which

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<PAGE>

would have accrued if there had been no Ceiling Rate. If the Note matures (or is
prepaid) before such equality is achieved, then, in addition to the unpaid
principal and accrued interest then owing pursuant to the other provisions of
the Note, Borrower promises to pay on demand to the order of the holder of the
Note interest in an amount equal to the excess (if any) of (a) the lesser of (i)
the total interest which would have accrued on the Note if the Stated Rate had
been defined as equal to the Ceiling Rate from time to time in effect and (ii)
the total interest which would have accrued on the Note if the Stated Rate were
not so prohibited from exceeding the Ceiling Rate, over (b) the total interest
actually accrued on the Note to such maturity (or prepayment) date. Without
notice to Borrower or any other person or entity, the Stated Rate shall
automatically fluctuate upward and downward in accordance with the provisions of
this Subparagraph.

         2. BALANCE. The present advanced and unpaid principal balance of the
Note is Three Hundred Forty-One Thousand Five Hundred Forty-One and 21/100
Dollars ($341,541.21). No amounts remain unadvanced against the Note and Lender
shall have no obligation to make any further advances under the Note.

         3. INTEREST RATE. The unpaid principal balance of the Note from time to
time outstanding shall bear interest from the effective date hereof at the
Stated Rate and all past due amounts, both principal and accrued interest, shall
bear interest from the respective due dates thereof until paid at the Past Due
Rate; provided, that for the full term of the Note the interest rate produced by
the aggregate of all sums paid or agreed to be paid to the holder of the Note
for the use, forbearance or detention of the debt evidenced thereby (including
all interest on the Note at the Stated Rate) shall not exceed the Ceiling Rate.
Interest on the amount of each advance against the Note shall be computed for
the actual number of days elapsed in a year consisting of 360 days, unless the
Ceiling Rate would thereby be exceeded, in which event, to the extent necessary
to avoid exceeding the Ceiling Rate, interest shall be computed on the basis of
the actual number of days elapsed in the applicable calendar year in which
accrued.

         4. PAYMENT SCHEDULE.

                  (a) Accrued and unpaid interest on the unpaid principal
balance of the Note shall be due and payable (i) on May 8, 2000, (ii) on the
eighth (8th) day of each succeeding calendar month thereafter before the
Maturity Date, and (iii) on the Maturity Date.

                  (b) The principal of the Note shall be due and payable in
monthly installments in the amount of $7,266.83. The first installment shall be
due and payable on May 8, 2000, and a like installment shall be due and payable
on the eighth (8th) day of each succeeding calendar month thereafter until the
Note shall have been fully paid and satisfied; provided, that on the Maturity
Date, the entire unpaid principal balance of the Note and all accrued and unpaid
interest on the unpaid principal balance of the Note shall be finally due and
payable.

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<PAGE>

         5. APPLICATION OF PAYMENTS. All payments shall be applied first to
accrued interest and the balance to principal. All prepayments shall be applied
first to accrued interest and the balance to the remaining principal
installments in inverse order of their maturity.

         6. PREPAYMENT. Borrower may at any time pay all or any part of the Note
without the payment of any premium or fee.

         7. EXPENSES. In addition to and cumulative of the other provisions of
the Credit Documents, to the extent not prohibited by applicable law, Borrower
will pay all costs and expenses and reimburse Lender for any and all
expenditures of every character incurred or expended in connection with the
preparation, negotiation, documentation, closing, renewal, revision,
modification, increase, review or restructuring of this Agreement or any loan or
credit facility secured by any of the Liens. Any amount to be paid under this
Paragraph by Borrower to Lender shall be a demand obligation owing by Borrower
to Lender and shall bear interest from the date of expenditure at the Past Due
Rate.

         8. NO USURY INTENDED; SPREADING. Notwithstanding any provision to the
contrary contained in the Note or any of the other Credit Documents, it is
expressly provided that in no case or event shall the aggregate of (i) all
interest on the unpaid balance of the Note, accrued or paid from the date hereof
and (ii) the aggregate of any other amounts accrued or paid pursuant to the Note
or any of the other Credit Documents, which under applicable laws are or may be
deemed to constitute interest upon the indebtedness evidenced by the Note ever
exceed the Ceiling Rate. In this connection, Borrower and Lender expressly
stipulate and agree that it is their common and overriding intent to contract in
strict compliance with the applicable usury laws. In furtherance thereof, none
of the terms of the Note or any of the other Credit Documents shall ever be
construed to create a contract to pay, as consideration for the use, forbearance
or detention of money, interest at a rate in excess of the Ceiling Rate.
Borrower or other parties now or hereafter becoming liable for payment of the
indebtedness evidenced by the Note shall never be liable for interest in excess
of the Ceiling Rate. If, for any reason whatever, the interest paid or received
on the Note during its full term produces a rate which exceeds the Ceiling Rate,
the holder of the Note shall credit against the principal of the Note (or, if
such indebtedness shall have been paid in full, shall refund to the payor of
such interest) such portion of said interest as shall be necessary to cause the
interest paid on the Note to produce a rate equal to the Ceiling Rate. All sums
paid or agreed to be paid to the holder of the Note for the use, forbearance or
detention of the indebtedness evidenced thereby shall, to the extent permitted
by applicable law, be amortized, prorated, allocated and spread in equal parts
throughout the full term of the Note, so that the interest rate is uniform
throughout the full term of the Note. The provisions of this paragraph shall
control all agreements, whether now or hereafter existing and whether written or
oral, between Borrower and Lender.

         9. BUSINESS LOANS. Borrower warrants and represents to Lender and all
other holders of the Note that all loans evidenced by the Note are and will be
for business, commercial,

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<PAGE>

investment or other similar purpose and not primarily for personal, family,
household or agricultural use, as such terms are used in the Texas Finance Code.

         10. SALE AND ASSIGNMENT. Lender reserves the right, exercisable in its
sole discretion and without notice to Borrower or any other person, to sell
participations or assign its interest, or both, in all or any part of the Note
or any loan evidenced by the Note.

         11. LIEN CONTINUATION; MISCELLANEOUS. The Liens are hereby ratified and
confirmed as continuing to secure the payment of the Note, as modified hereby.
Nothing herein shall in any manner diminish, impair or extinguish the Note, any
of the other Credit Documents or the Liens. The Liens are not waived. To the
extent of any conflict between the Note or any of the other Credit Documents (or
any earlier modification of any of them) and this Agreement, this Agreement
shall control. Except as hereby expressly modified, all terms of the Note and
the other Credit Documents (as any of them may have been previously modified by
any written agreement) remain in full force and effect. If more than one person
or entity execute this Agreement as "Borrower", each shall be jointly and
severally liable for the obligations of Borrower hereunder. This Agreement (a)
shall bind and benefit Borrower and, except as herein expressly limited, Lender
and their respective heirs, beneficiaries, administrators, executors, receivers,
trustees, successors and assigns (provided, that Borrower shall not assign its
rights hereunder without the prior written consent of Lender); (b) may be
modified or amended only by a writing signed by each party; (c) SHALL BE
GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE APPLICABLE LAWS OF THE STATE OF
TEXAS AND THE UNITED STATES OF AMERICA FROM TIME TO TIME IN EFFECT; (d) may be
executed in several counterparts, and by the parties hereto in separate
counterparts, and each counterpart, when executed and delivered, shall
constitute an original agreement enforceable against all who signed it without
production of or accounting for any other counterpart, and all separate
counterparts shall constitute the same agreement and (e) embodies the entire
agreement and understanding between the parties with respect to modifications of
instruments provided for herein and supersedes all prior conflicting or
inconsistent agreements, consents and understandings relating to such subject
matter. Borrower acknowledges and agrees that there are no oral agreements
between Borrower and Lender which have not been incorporated in this Agreement.
If any provision of this Agreement should be determined by any court of
competent jurisdiction to be illegal, invalid or unenforceable under present or
future laws, the legality, validity and enforceability of the remaining
provisions of this Agreement shall not be affected thereby. Each waiver in this
Agreement is subject to the overriding and controlling rule that it shall be
effective only if and to the extent that (a) it is not prohibited by applicable
law and (b) applicable law neither provides for nor allows any material
sanctions to be imposed against Lender for having bargained for and obtained it.
Wherever the term "including" or a similar term is used in this Agreement, it
shall be read as if it were "including by way of example only and without in any
way limiting the generality of the clause or concept referred to." Any exhibits,
appendices and annexes described in this Agreement as being attached to it are
hereby incorporated into it. The headings in this Agreement shall be accorded no
significance in interpreting it.

5
<PAGE>

               NOTICE PURSUANT TO TEX. BUS. & COMM. CODE SS.26.02

THIS AGREEMENT AND ALL OTHER CREDIT DOCUMENTS EXECUTED BY ANY OF THE PARTIES
BEFORE OR SUBSTANTIALLY CONTEMPORANEOUSLY WITH THE EXECUTION HEREOF, TOGETHER
CONSTITUTE A WRITTEN LOAN AGREEMENT WHICH REPRESENTS THE FINAL AGREEMENT BETWEEN
THE PARTIES AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS OR
SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES. THERE ARE NO UNWRITTEN ORAL
AGREEMENTS BETWEEN THE PARTIES.

         EXECUTED effective as of the date first set forth above.

                                     SURREY, INC. a Texas corporation

                                     By:
                                        ----------------------------------------
                                     Name:
                                          --------------------------------------
                                     Title:
                                           -------------------------------------
                                                                      "Borrower"

                                     CHASE BANK OF TEXAS,
                                     NATIONAL ASSOCIATION

                                     By:
                                        ----------------------------------------
                                     Name:
                                          --------------------------------------
                                     Title:
                                           -------------------------------------
                                                                        "Lender"

6
<PAGE>

THE STATE OF TEXAS       ss.
                         ss.
COUNTY OF TRAVIS         ss.

         This  instrument  was  acknowledged  before me on the ________ day of
April, 2000, by  ___________________,  __________________  of Surrey,  Inc., a
Texas corporation, on behalf of said corporation.

                                       -----------------------------------------
                                       Notary Public, State of Texas

THE STATE OF TEXAS       ss.
                         ss.
COUNTY OF TRAVIS         ss.

         BEFORE ME, the undersigned Notary Public, on this day personally
appeared ________________________, known to me to be the person and officer
whose name is subscribed to the foregoing instrument and acknowledged to me that
the same was the act of the said Chase Bank of Texas, National Association, a
national banking association, and that (s)he executed the same as the act and
deed of such association for the purposes and consideration therein expressed
and in the capacity therein stated.

         GIVEN under my hand and seal of office this ________ day of April,
2000.

                                       -----------------------------------------
                                       Notary Public, State of Texas

7
<PAGE>

AFTER RECORDING, RETURN TO:
--------------------------

Joe Swynnerton
Chase Bank of Texas, N.A.
700 Lavaca
Austin, Texas 78701

8

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