Document:

Exhibit 10.1

                                AGREEMENT TO FUND

THIS AGREEMENT TO FUND ("Agreement") is made and entered into as of June 5, 2003
by and between GDBA INVESTMENTS, LLLP a Colorado limited liability limited
partnership ("Lender"), and ACROSS AMERICA REAL ESTATE DEVELOPMENT, Inc. a
Colorado corporation ("Borrower").

                                R E C I T A L S:

     A. Borrower intends to acquire vacant properties to construct buildings for
sale to third-party purchasers ("TPPs").

     B. Borrower has requested from Lender capital to finance Borrower's
acquisition of the vacant properties and construction of store buildings and
landscaping ("Improvements") for real estate projects where a tenant has signed
a long term lease for use of the property.

     C. Lender shall commit to funding Borrower's Projects for three years from
the date of the Agreement and Borrower shall acquire the vacant properties
("Acquisition Property or Acquisition Properties") and construct the
Improvements in accordance with the approved project plan.

     NOW, THEREFORE, the parties hereto agree as follows, for good and valuable
consideration, the receipt and sufficiency of which is hereby acknowledged:

                                    ARTICLE 1
                                      LOAN

1.1 Loan. By and subject to the terms and conditions contained in this
Agreement, Lender hereby agrees to lend Borrower up to the maximum principal sum
of $2,000,000.00 ("Principal Sum"). The amounts disbursed to Borrower shall be
used to finance Borrower's completion of the Projects. The total amount
disbursed by Lender to Borrower for each Project shall each constitute a
separate loan ("Project Loan"). No portion of any Project Loan, once repaid, may
be reborrowed by Borrower. The proceeds of each Project Loan will be used by
Borrower to complete the Project for sale to the TPPs.

1.2 Funding of Project Loans.

     a. Request for Funding. When Borrower has an executed contract to purchase
Acquisition Property and a corresponding Purchase Contract, Borrower shall give
Lender a written notice ("Preliminary Notice for Funding") which shall state the
estimated loan amount, the date of closing, and shall be accompanied by the
contract for the Acquisition Property, the Purchase Contract, and such
additional documents and information relating to the proposed funding. Within
fifteen (15) business days after Lender's receipt of the Preliminary Notice for
Funding, Lender will confirm in writing ("Commitment Letter") to Borrower the
details of the Project Loan including the loan amount and the rate of interest
calculated at the then current market rate as determined by Lender. Borrower
will have five (5) business days after receipt of the Commitment Letter to
either accept or reject the proposed Project Loan. For each Project Loan
rejected by Borrower, Lender will have a right of first refusal as explained in
Section 4.2 below.

     b. Funding of Loan Proceeds. Subject to the terms and conditions of this
Agreement, Lender shall make available to Borrower the proceeds of each Project
Loan on the closing date for the Acquisition Property. Lender shall disburse
such requested funds into Borrower's account with a federally insured bank
selected by Borrower and approved by Lender, in Lender's sole discretion.
<PAGE>

1.3 Loan Documents. All Project Loans shall be non-recourse obligations secured
only by a lien upon the Projects. Borrower shall deliver to Lender for each
Project Loan, concurrently with the closing of each Acquisition Property, the
following documents ("Loan Documents"), properly executed and in recordable form
(if applicable) as follows:

     1.   Promissory Note secured by Deed of Trust of even date herewith in the
          original amount of the Project Loan;
     2.   Deed of Trust (strict due-on-sale) with Assignment of Rents of even
          date executed by Borrower in favor of Lender as Beneficiary;
     3.   Settlement Statement;
     4.   Subordination and non-disclosure agreement; and
     5.   Such other documents as Lender may require.

1.4 Interest. Interest shall accrue on each of the Project Loans at the then
current market rates as set forth in the Commitment Letter for each respective
Project Loan. Borrower shall pay all Project Loans in the amounts and times
provided for in the Commitment Letter and in the corresponding promissory notes
executed in conjunction with each Project Loan.

1.5 Payments Relating to Purchase Contracts. The maturity date for each Project
Loan shall coincide with the date of closing under the related project plan.
Amounts that are repaid under each Project Loan shall not thereafter be
available for borrowing again at a later time. However, such payment under the
Project Loans shall not reduce the Principal Sum available to Borrower.
Following the closing of Borrower's purchase of the Acquisition Property,
Borrower shall use the remainder of the loan proceeds from each Project Loan to
complete construction of the Improvements as provided for in the Purchase
Contract related to that Project Loan.

1.6 Full Repayment and Release. Upon receipt of all amounts owing and
outstanding on each Project Loan, Lender shall issue a full release of the
secured property from the lien of the deed of trust and any other Loan
Documents; provided, however, that at the time of and with respect to such
release, Borrower shall pay to Lender an amount equal to all escrow, closing and
recording costs, the costs of preparing and delivering such release and any sums
then due and payable under the Project Loan.

1.7 Authorization. Borrower shall act under this Agreement and the other Project
Loans only through such authorized representatives as Borrower shall designate
to Lender in writing from time to time. Borrower hereby designates Eric Balzer
or Michael McCloskey, acting singly, as Borrower's authorized representatives
for purposes of this Agreement and the other Project Loans, and such persons
shall continue as Borrower's authorized representatives until such time as
Borrower shall duly authorize other or additional persons to act on behalf of
Borrower.

                                    ARTICLE 2
                              Conditions to Funding
                              ---------------------

2.1 General Conditions. Lender's obligation to make the disbursement for each
Project Loan is subject to the satisfaction of each of the following conditions
precedent on or before the date funding is to occur:

     a. Loan Documents. Borrower shall have executed and acknowledged, if
appropriate, and delivered to Lender the Loan Documents as provided in Section
1.3 herein, in form and substance acceptable to Lender and any other documents
to be executed or delivered by or on behalf of Borrower pursuant to this
Agreement or as Lender shall otherwise reasonably require.
<PAGE>

     b. Property Documents. Lender may request any of the following documents
with respect to each property which may serve as collateral for the Project
Loan, in form and substance acceptable to Lender:

     i.   Any copies of easements, covenants and restrictions affecting the
          property to be recorded by Borrower at or prior to the closing date;
     ii.  A current, binding commitment from the title company to issue the
          title policy in the amount of the Project Loan, insuring Lender that
          the Deed of Trust constitutes a valid first priority lien upon that
          property, subject only to such title exceptions as Lender shall
          approve in its sole discretion, which such endorsements as Lender
          shall reasonably require and otherwise in such form and substance as
          shall be acceptable to Lender;
     iii. A Phase I Environmental audit report addressed to Lender and, if
          reasonably deemed necessary or appropriate by Lender based on its
          review of the Phase I, a Phase II Environmental report prepared by a
          registered engineer approved by Lender;
     iv.  A current ALTA Survey of the property, prepared by a land surveyor
          registered under the laws of the subject state, certified in favor of
          Lender, and otherwise in a form reasonably acceptable to Lender;
     v.   True, correct and complete copies of a soils/geotechnical report for
          the property prepared by an engineer and copies of all agreements
          which are material to the Project;
     vi.  Evidence that sufficient utilities are or will be available for
          construction of the Improvements and the operation of the Improvements
          for their intended purposes;
     vii. Appropriate written evidence that the property is and upon
          construction of the Improvements will be in full compliance with all
          zoning, subdivision, land use and other laws, statutes, ordinances,
          codes and governmental rules and regulations;
     viii. Preliminary drawings and specifications for the Improvements in form
          and substance satisfactory to Lender;
     ix.  Lease between tenant and Borrower for specific funded project, and
     ix.  Such other documents with respect to the property as are required
          pursuant to this Agreement or as Lender shall otherwise reasonably
          require.

     c. Material Adverse Changes. No change in Borrower, the secured properties
or any other collateral, as determined by Lender in its sole discretion, shall
have occurred which would have a material adverse effect on the value of the
properties or any other collateral or Lender's right or ability to receive
payment in full of all amounts payable by Borrower to Lender under this
Agreement or any of the Project Loans;

     d. No Event of Default. On the closing day of the Project Loan, no event of
default shall exist under this Agreement or any of the Loan Documents executed
in conjunction with previous Project Loans;

     e. Consents and Project Approval. Any licenses, permits, consents and
approval of governmental authorities necessary to enable Borrower to proceed
forward with the Projects shall have been obtained;

     f. Budget. Lender shall have reviewed and approved a detailed preliminary
construction budget prepared by Borrower for the Project and Borrower's proposed
sources and uses of the loan proceeds, sufficient for Lender to confirm that the
loan proceeds shall be sufficient to pay all costs of completing each Project;

     g. Insurance. Evidence including such certificates of insurance and binder
as Lender shall require that builder's risk, contractor's liability and
workman's compensation satisfactory to Lender for each Project and issued by
insurance companies acceptable to Lender has been obtained, with loss payable
endorsement in form and substance satisfactory to Lender naming Lender as loss
payee with respect to property and casualty insurance as its interest may
appear.
<PAGE>

                                   ARTICLE III
                                  Construction
                                  ------------

3.1 Construction and Completion. Borrower shall construct the Improvements for
each individual Project in accordance with the construction schedule therefore
approved by Lender.

3.2 Force Majeure. The time within which construction of the Improvements for
each Project must be commenced and completed shall be extended for a period of
time equal to the period of any delay effecting construction which is caused by
any action or inaction which is beyond the reasonable control of Borrower;
provided, however that Borrower shall furnish Lender with written notice
satisfactory to Lender evidencing any such delay within five (5) days following
the occurrence of any such delay. In no event shall the time for completion of
the Improvements for any Project be extended for more than an additional thirty
(30) days beyond the completion date applicable thereto.

3.3. Liens and Disbursement Claims. If a mechanic's lien or claim of lien is
recorded which effects the Project or a claim for disbursement is served upon
Lender, Borrower shall, within thirty (30) days following such recording of
service or within five (5) days of Lender's demand whichever occurs first: (a)
pay and discharge the mechanic's lien or claim of lien or claim for
disbursement; (b) effect the release thereof by recording or delivering to
Lender a surety bond in sufficient form and amount; or (c) provide Lender with
other insurances which Lender deems, in its sole discretion, to be satisfactory
for the payment of such mechanic's lien or claim of lien or claim for
disbursement and for the full and continuous protection of Lender from the
effect of such lien or claim for disbursement.

3.4 Construction Responsibilities. Borrower shall construct the Improvements in
a good and workmanlike matter according to the drawings and specification and
the recommendations of any soils or engineering report approved by Lender and
free of any mechanic's lien or claims of liens for each Project. Borrower shall
comply with all applicable laws, recorded covenants and restrictions, and
requirements of all regulatory authorities having jurisdiction over the Project.
Borrower shall be solely responsible for all aspects of Borrower's business and
contacts in connection with the Projects including, without limitation, for the
quality and suitability of the drawings and specification and their compliance
with all governmental requirements, the supervision of the work of construction,
and the accuracy of all applications for payment and the proper application of
all disbursements. Lender is not obligated to supervise, inspect, or inform
Borrower or any third party of any aspect of the Projects or any other matter
referred to above.

                                   ARTICLE IV
                          Additional Sources of Funding
                          -----------------------------

4.1 Additional Capital. Lender will, if necessary, assist Borrower with
obtaining additional capital over and above the Principal Sum, up to an
additional maximum amount of six million dollars ($6,000,000) with an
institutional lender of construction financing by co-signing with Borrower.
Lender will assist with this additional financing over the three years after the
date of this Agreement to fund Projects, provided Borrower has first depleted
all of the Principal Sum available under this Agreement.

4.2. Other Sources of Funding. Borrower is free to obtain funding for its
Projects from other sources besides Lender, so long as such funding sources are
financial institutions. However, Lender shall have the right to match the loan
commitment terms of such other lending institutions by having a right of first
refusal to make such Project Loan. If Borrower obtains a commitment for a loan
from any other lender, Borrower must give Lender notice of such commitment and
all of the terms of such proposed loan ("Notice of Alternative Funding"). Lender
shall then have fifteen (15) business days after receipt of such Notice of
Alternative Funding to match the amount of such funding as well as the terms for
such proposed loan. If Lender commits to making such loan on the same terms as
the alternative source of funding, Borrower agrees to make that Project Loan
with Lender. If Lender fails to commit to making such loan within the 15
business day period, Borrower may proceed to make the loan with the financial
institution. This right of first refusal must be offered to Lender each time
Borrower has a commitment from any institutional lender for any Project.

<PAGE>
                                    ARTICLE V
                               Purchase Agreements
                               -------------------

5.1 Purchase Contracts. Borrower shall timely perform and comply with all
covenants, agreements, obligations and restrictions imposed upon Borrower under
the Purchase Contract and shall not do or permit to be done anything to impair
Borrower's rights and interests thereunder, or to cause any Purchase Contract to
be terminated prior to the date of Borrower's receipt of the entire purchase
price and other amounts payable by Purchaser under such Purchase Contract.
Borrower shall give Lender prompt notice of any default, breach or
non-compliance by Borrower or any other party under any Purchase Contract.
Borrower shall not amend, modify, terminate or release any right or obligation
under any Purchase Contract, shall not consent or approve any matter under
Purchase Contract for which Borrower's consent or approval is required and shall
not assign, transfer, convey, mortgage, pledge, hypothecate or convey any
interest in Borrower's rights and interest under any Purchase Contract without
Lender's prior written consent.

                                   ARTICLE VI
                              Default and Remedies
                              --------------------

     6.1 Events of Default. The occurrence of any one or more of the following,
whatever the reason therefore, shall constitute an event of default hereunder:

     a. Payment. Borrower shall fail to pay any accrued interest on any other
notes within five (5) days following the date when due and payable; or any
portion of the principal amount of a note, or any amount payable by Borrower
under this Agreement or the other Loan Documents, when and as the same shall
become due and payable;

     b. Other Covenants. Borrower shall fail to perform any other covenant,
agreement or obligation to be performed by Borrower under this Agreement or any
of the other Loan Documents for each Project Loan and such failure shall
continue for more than thirty (30) days after written notice thereof is given to
Borrower by Lender; provided, however, that if such failure to perform is not
reasonably capable of cure within such 30-day period, such failure to perform
shall not constitute an event of default, provided that Borrower commences to
cure such failure to perform within such 30-day period and thereafter diligently
prosecutes such cure to completion within an additional sixty (60) days.

     c. Construction Use. If there is any material deviation in the work or the
construction from the drawings or specification or governmental requirements or
in the appearance or use of defective workmanship or materials in constructing
the Improvements for any Project, and Borrower fails to remedy the same to
Lender's reasonable satisfaction within thirty (30) days following Lender's
demand to do so.

     d. Liens, Attachements, Condemnation. The recording of any mechanic's lien
or claim of lien against any of the Projects and the continuance of such lien or
claim of lien for thirty (30) days without discharge, satisfaction or provision
for payment being made by Borrower in a manner satisfactory to Lender or the
condemnation, seizure, or appropriation of or the occurrence of a material
uninsured casualty with respect thereto or any material portion of the Projects.

<PAGE>
     e. Dissolution. Borrower has terminated, dissolved or liquidated; or all or
substantially all of the assets of Borrower are sold or otherwise transferred
without Lender's written consent;

     f. Insolvency. Borrower is the subject of an order for relief by any
bankruptcy court, or is unable and admits in writing its inability to pay its
debts as they mature, or makes an assignment for the benefit of creditors; or
Borrower applies for or consents to the appointment of any receiver, trustee,
custodian, conservator, liquidator, rehabilitator or similar officer for
Borrower.

     g. Material Adverse Change. There shall occur a change in the financial
condition of Borrower as of the date of this Agreement, and such change will
have an adverse effect upon the right or ability of Lender to receive payment in
full or all amounts payable by Borrower to Lender under this Agreement or any of
Project Loans, and Borrower shall fail to present evidence satisfactory to
Lender that such condition has been remedied within thirty (30) days after
written notice by Lender to Borrower.

     h. Loss of Priority. The failure at any time of any of the deeds of trust
to be valid first priority liens upon the applicable secured properties or any
portion thereof under any Project Loan, other than as a result of the release of
the deeds of trust pursuant to this Agreement.

     i. Other Default. The occurrence of any other event, circumstance of other
condition that constitutes a default, or event of default under any of the
Project Loans; or the occurrence of any monetary default or event of default or
any other non-monetary default resulting in acceleration with respect to the
indebtedness or obligations of Borrower.

6.2 Remedies Upon Default. Upon the occurrence of any event of default, Lender
may, at its option, do any or all of the following:

         a. Acceleration. Declare all amounts owing under any or all of the
Project Loans, this Agreement, and the other Loan Documents, together with
interest thereon, to be immediately due and payable, regardless of any other
specified maturity date, without notice of default, presentment or demand for
payment, protest or notice of non-payment or dishonor or other notices and
demands of any kind or character, and without the necessity of prior recourse to
any security;

         b. Termination. Terminate Lender's obligations under the Agreement and
all rights of Borrower's and obligations of Lender under the Loan Documents for
each Project Loan;

         c. Disbursement to Third Parties. Upon the occurrence of event of
default occasioned by Borrower's failure to pay money to a third party as
required by this Agreement, Lender may, but shall not be obligated to, make such
payments from Project Loan proceeds; and

         d. Other Remedies. Exercise any and all of Lender's other rights and
remedies under the Loan Documents for each or all of the Project Loans,
including, but not limited to, the right to take possession of and foreclose on
any security or deeds of trust and exercise any other rights with respect to any
security, whether under the Loan Documents or any other agreement or as provided
by applicable laws, all in such order and such manner as Lender in its sole
discretion may determine.

6.3 Cumulative Remedies. No Waiver. All remedies of Lender provided for herein
are cumulative and shall be in addition to any and all other rights and remedies
provided in this Agreement, other Loan Documents or provided by applicable laws
from time to time. The exercise of any right or remedy by Lender hereunder shall
not in any way constitute a cure or waiver of any event of default hereunder, or
under any of the Loan Documents, nor invalidate any notice of default or any act
pursuant to such notice, nor prejudice Lender in the exercise of any rights
hereunder or under the other Loan Documents. Any waiver of any breach, of any
covenant, term or condition contained herein shall not be construed as a waiver
of any subsequent breach of the same covenant term or condition.

<PAGE>
                                   ARTICLE VII
                                  Miscellaneous
                                  -------------

7.1 Non-liability of Lender. The relationship of Borrower and Lender under the
Project Loans and related Loan Documents is and shall at all times remain solely
that of Borrower and Lender, and Lender neither undertakes nor assumes any
responsibility or duty to Borrower to any other person with respect to the
Projects and notwithstanding any other provision of the Loan Documents; (1)
Lender is not and shall not be construed as a partner, joint venturer,
alter-ego, manager or other business associate or participant of any kind of
Borrower and Lender does not intend to ever assume such status; and (2) Lender
does not intend to ever assume any responsibility to any person for the quality,
stability, safety or condition of the Projects; and (3) Lender shall not be
deemed responsible for or as a participant in any acts, omissions or decisions
of the Borrower.

7.2 No Third Parties Benefitted. This Agreement is made for the purpose of
setting forth certain rights and obligations of Borrower and Lender in
connection with the Project Loans. It is made for the sole protection of
Borrower and Lender, and Lender's successor and assigns. No other person shall
have any rights of any nature hereunder or by reason hereof.

7.3 Indemnity. Borrower hereby agrees to indemnify, defend and hold Lender and
its directors, officers, agents and employees harmless from, any and all
liabilities and costs which Lender or any other person may suffer or incur as a
direct or indirect consequence of Lender's making of the Project Loans.
Borrower's duty to defend and indemnify Lender shall survive the release and
cancellation of all the notes and the deeds of trust executed in conjunction
with the Project Loans.

7.4 Binding Effect; Assignment. This Agreement shall be binding upon and shall
inure to the benefit of Borrower and Lender and their respective successors and
assigns, except that Borrower may not delegate or assign any of its duties under
this Agreement or any of the other Loan Documents of the Loan Projects without
the prior written consent of Lender. Borrower recognizes that this Agreement
does not provide for an ordinary loan and that Lender would not make the Loan
except in reliance upon Borrower's expertise and reputation, Lender's knowledge
and ownership interest in Borrower, and Lender's understanding that this
Agreement is more in the nature of an agreement involving personal services than
in a standard loan where Lender would rely on security which already exists.

7.5 Tax Service. Lender is authorized to secure, at Borrower's expense, a tax
service contract which shall provide tax information on the Projects to Lender
for the term of each applicable Project Loan.

7.6. Notices. All notices and other communications provided for hereunder and
under any other Loan Documents must be in writing and must be personally
delivered, mailed by U.S. Certified Mail, Return Receipt Requested, postage
pre-paid, sent by a nationally recognized private courier service or transmitted
by telecopier (provided that a copy is concurrently deposited for delivery via
U.S. Mail), delivered or addressed to the appropriate party at the respective
address set forth below:

If to Borrower:    Across America Real Estate Development, Inc.
                   c/o Eric Balzer and or Michael McCloskey
                   GDBA Investments, Inc.
                   1440 Blake Street, Unit 310, Office 3
                   Denver CO, 80202
                   Telephone: (720) 932-9395
                   Facsimile:  (720) 932-9397
<PAGE>
If to Lender:      GDBA INVESTMENTS, LLLP
                   Brian Klemsz
                   GDBA Investments, Inc.
                   1440 Blake Street, Unit 310, Office 1
                   Denver CO, 80202
                   Telephone: (720) 932-9395
                   Facsimile:  (720) 932-9397

Any party may change its address by giving written notice to the other party in
accordance with this Section.

7.7 Governing Law. This Agreement and the other Loan Documents of each Project
Loan shall be governed by, construed and enforced in accordance with the laws of
the State of Colorado.

7.8 Severability of Provisions. Any provision in any Loan Document that is held
to be inoperable, unenforceable or invalid shall be inoperable, unenforceable or
invalid without effecting the remaining provisions, and to this end, the
provisions of all Loan Documents are declared to be severable.

7.9 Construction of Agreement. Both Borrower and Lender have cooperated in
drafting and negotiating this Agreement, and any ambiguities contained herein
shall not be construed against either party.

7.10 Impounding of Advances. Unless Lender is provided with indemnification or
other insurance satisfactory to Lender (in Lender's sole discretion), Lender may
impound such advances under any of the Project Loans as may be required to
enable Lender to comply with the provisions of Colorado Revised Statute Section
38-22-126, as amended.

     IN WITNESS WHEREOF, the Parties have caused this Agreement to be duly
executed as of the date first above written.

--------------------------------------------------------------------------------
BORROWER:                           |    LENDER:
                                    |
ACROSS AMERICA REAL ESTATE          |    GDBA  INVESTMENTS,  LLLP, a Colorado
DEVLOPMENT, INC., a Colorado        |    limited  liability  limited partnership
corporation                         |
                                    |
By: /s/ Michael McCloskey           |     By: /s/ G. Brent Backman
    ------------------------        |         -----------------------
    Michael McCloskey               |         G. Brent Backman
---------------------------------------- ---------------------------------------

<PAGE>Exhibit 10.2

                CONSTRUCTION AND LAND ACQUISITION LOAN AGREEMENT

     THIS AGREEMENT, made and entered into as of the 5th day of June, 2003 by
and between GDBA Investments LLLP, a Colorado limited liability limited
partnership ("Lender"), and Cross Country Properties II, LLC, a Georgia limited
liability company, (the "Borrower").

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

In consideration of the mutual covenants and agreements hereinafter set forth,
Lender agrees to make and Borrower agrees to accept a loan in accordance with,
and subject to, the terms and conditions hereinafter set forth, as of the 5th
day of June, 2003.

                                   Article 1
                              Terms and Definitions
                              ---------------------

     In addition to the other terms hereinafter defined, the following terms
shall have the meanings set forth in this Article:

     1.1 Architect. Collectively, the persons or entities who will enter into a
contract with the Borrower with respect to the design and construction of the
Improvements.

     1.2 Architectural Contract. The architectural contract to be entered into
between Borrower and Architect concerning the design and construction of the
Improvements.

     1.3 Borrower. Cross Country Properties II, LLC, a Georgia limited liability
company, with a business address of 6863 Glenlake Parkway, Suite E, Atlanta, GA
30328.

     1.4 Completion Date. December 5, 2003.

     1.5 Construction and Development Costs. The entire estimated costs
(including "soft" costs as well as "hard" costs) incurred and to be incurred by
Borrower in connection with the acquisition of the Land and the construction and
development of the Improvements, as set forth in the cost breakdown and estimate
attached hereto as Exhibit "A" and by this reference made a part hereof, as said
cost breakdown and estimate may hereafter be amended from time to time with the
prior written approval of Lender.

     1.6 Construction and Contract. The construction contract to be entered into
between Borrower and Contractor providing for the construction of the
Improvements.

     1.7 Contractor. Collectively, the persons or parties who will enter into
contracts with the Borrower for construction of all or any portion of the
Improvements.

     1.8 Draw Request. As defined in Article 5 hereof.

     1.9 Event of Default. As defined in Article 6 hereof.

     1.10 Governmental Authority. The United States, the state in which the Land
is situated and any political subdivision thereof, and any agency, department,
commission, board, bureau or instrumentality of any of them.
<PAGE>
     1.11 Improvements. A retail building with 8,000 square feet to be
constructed on the Land, and all utilities and other improvements on the Land
related thereto, in accordance with the Plans and Specifications in a
development, to be known as "4960 Roosevelt Highway".

     1.12 Land. The real property described in Exhibit "B" attached hereto and
by this reference made a part hereof

     1.13 Lender. GDBA Investments LLLP, a Colorado limited liability limited
partnership with its business address at 1440 Blake Street, Unit 310, Denver, CO
80202.

     1.14 Lender's Inspector. At the option of Lender, either an employee or
officer of Lender or an independent architect or engineer.

     1.15 Loan. The construction loan which is the subject of this Agreement;

     1.16 Loan Amount. Five Hundred Two Thousand Dollars No/100 ($502,000.00)
Dollars.

     1.17 Loan Documents. Collectively, this Agreement, the documents referred
to in Article 2 and all other documents and instruments evidencing or securing
or otherwise relating to the Loan.

     1.18 Plans and Specifications. The plans and specifications for the
Improvements to be prepared by Architect.

     1.19 Property. Collectively, the Land and the Improvements.

     1.20 Requirements. All laws, rules and regulations of all Governmental
Authorities which apply to the construction and operation of the Improvements.

                                    ARTICLE 2
                                 Loan Documents
                                 --------------

     Borrower has duly authorized, executed and delivered to Lender the
following documents:

     2.1 Note. Promissory Note (hereinafter referred to as the "Note") payable
to the order of Lender, dated of even date herewith and in the principal face
amount of the Loan Amount

     2.2 Security Deed. Deed to Secure Debt and Security Agreement with
Assignment of Rents (hereinafter referred to as the "Security Deed") in favor of
Lender, dated of even date herewith and conveying the Property to secure the
indebtedness evidenced by the Note; which Security Deed is to be recorded in the
appropriate public records of the county in which the Land lies on or about the
date hereof.

     2.3 Financing Statement. UCC Financing Statements in favor of Lender giving
notice of the security agreement contained in the Security Deed; which Financing
Statements are to be recorded in the appropriate public records of Fulton County
in which the Land lies and the County which is the principal place of business
of the Borrower, if different, on or about the date hereof.

     2.4 Assignment of Leases. Assignment of Leases hereto by Borrower in favor
of Lender dated of even date herewith to secure the indebtedness evidenced by
the Note, which is to be recorded in the appropriate public records of the
County in which the Land lies on or about the date hereof.

<PAGE>
     2.5 Assignment of Contract Documents. Assignment of contract documents,
dated of even date herewith.

                                    ARTICLE 3
                             Warranties of Borrower
                             ----------------------

     Borrower hereby warrants to Lender as follows.

     3.1 Validity of Loan Documents. That the Loan Documents are in all respects
legal, valid and binding in accordance with their terms and grant to Lender a
direct, valid and enforceable first lien on and security title in and to the
Property and the personality located thereon.

     3.2 Priority of Lien on Personality. That no chattel mortgage, bill of
sale, security agreement, financing statement or other title retention agreement
(except those executed in favor of Lender) has or will be executed with respect
to any personal property, chattel or fixture used in connection with the
construction, operation or maintenance of the Property, without the prior
written consent of Lender.

     3.3 Conflicting Transactions of Borrower. That the consummation of the
transactions hereby contemplated and the performance of the obligations of
Borrower under and by virtue of the Loan Documents will not result in any breach
of, or constitute any default under, any mortgage, security deed, deed of trust,
lease, bank loan or credit agreement, corporate charter or by-laws or other
instrument to which Borrower is a party or by which it is bound or affected.

     3.4 Pending Litigation. That there are no actions, suits or proceedings
pending, or to the knowledge of Borrower threatened, against or affecting it or
the Property, or involving the validity or enforceability of any of the Loan
Documents or the priority of the lien thereof, at law or in equity, or before or
by any Governmental Authority, except actions, suits and proceedings which are
fully covered by insurance and which, if adversely determined, would not
substantially impair the ability of Borrower, financial or otherwise, to perform
each and every one of its obligations under and by virtue of the Loan Documents.

     3.5 Violations of Requirements. That Borrower has no knowledge of any
violations or notices of violations of any Requirement relating in any way to
the Property.

     3.6 Compliance with Requirements. That the Plans and Specifications and
construction pursuant thereto and the use of the Property contemplated thereby
comply with all Requirements.

     3.7 Status and Authority. That Borrower (i) is a limited liability company
duly organized, existing and in good standing in the State of Georgia, (ii) has
the power, authority and legal right to carry on the business now being
conducted by it and to engage in the transactions contemplated by the Loan
Documents and (iii) the execution and delivery of the Loan Documents and the
performance and observance of the provisions thereof have been duly authorized
by any and all necessary partnership actions of Borrower, or affiliates of
Borrower.

     3.8 Availability of Utilities. That all utility services necessary for the
construction of the Improvements and the operation thereof for their intended
purposes are available at the boundaries of the Land, including, but not limited
to, water supply, storm and sanitary sewer, gas, electric and telephone
facilities.

     3.9 Condition of Property. That the Property is not now damaged or injured
as result of any fire, explosion, accident, flood or other casualty.

<PAGE>
     3.10 Brokerage Commissions. That any brokerage commissions due in
connection with the transactions contemplated hereby have been paid in full and
that any such commissions coming due in the future will be promptly paid by
Borrower. Borrower agrees to and shall indemnity Lender from any liability,
claims or losses arising by reason of any such brokerage commissions. This
provision shall survive the repayment of the Loan and shall continue in full
force and effect so long as the possibility of such liability, claims or losses
exists.

     3.11 Non-Commencement of Construction. That Borrower has not caused or
permitted any labor (including demolition work) to be furnished in connection
with construction of the Improvements or caused or permitted any materials to be
delivered to the Land; that site preparation of the Land has not begun; and that
neither Contractor nor any supplier or subcontractor will be permitted to
deliver any materials to the Land, or to demolish any existing structures, or to
clear, grade, excavate for footings or otherwise perform any work on the Land
until the Security Deed is filed for record in the appropriate public records of
the county in which the Land is situated, except for such labor, work or site
preparation for which lien waivers have been obtained or for which title
insurance over any inchoate or actual lien rights arising therefrom has been
obtained.

     3.12 Financial Statements. That the financial statements of Borrower and
Guarantor heretofore delivered to Lender are materially true and correct in all
respects, have been prepared in accordance with generally accepted accounting
practices, and fairly present the respective financial conditions of the subject
thereof as of the respective dates thereof, that no materially adverse change
has occurred in the financial conditions reflected therein since the respective
dates thereof; and that no additional borrowings have been made by Borrower or
Guarantor since the date thereof other than the borrowing contemplated hereby or
otherwise expressly approved by Lender.

     3.13 Construction. That (i) both Borrower and Contractor are in full
compliance with their respective obligations under the Construction Contract,
(ii) the work to be performed by Contractor under the Construction Contract is
the work called for by the Plans and Specifications and (iii) all work on the
Improvements shall substantially conform to the Plans and Specifications and
shall be free of structural defects.

     3.14 Access. That the rights-of-way of all roads necessary for the full
utilization of the Improvements for their intended purposes have either been
acquired by the appropriate governmental authority or have been dedicated to
public use and accepted by such governmental authority, and all such roads shall
have been completed, or all necessary steps shall have been taken by Borrower
and such governmental authority to assure the complete construction and
installation thereof prior to the date upon which access to the Property via
such roads will be necessary.

     3.15 No Event of Default under Loan Documents. That no Event of Default by
Borrower exists under this Agreement, or under any of the other Loan Documents,
and no event has occurred and is continuing which with notice or the passage of
time or both would constitute an Event of Default under any of the Loan
Documents.

     3.16 Architect's Agreement. That both Borrower and Architect are in full
compliance with their respective obligations under the Architectural Contract.
Borrower shall from time to time upon request by Lender cause Architect to
provide Lender with reports relative to the status of construction of the
Improvements.

     3.17 Effect of Draw Request. That each Draw Request shall constitute an
affirmation that the representations and warranties of this Article 3 remain
true and correct as of the date hereof, and, unless Lender is notified to the
contrary prior to the disbursement of the requested advance or any portion
thereof, shall constitute an affirmation that the same remain true and correct
on the date of such disbursement.

<PAGE>
                                    ARTICLE 4
                              Covenants of Borrower
                              ---------------------

     Borrower hereby covenants and agrees with Lender as follows.

     4.1 Loan Documents. To permit no default under the terms of the Loan
Documents.

     4.2 Construction Contract. (i) To permit no default under the terms of the
Construction Contract; (ii) to waive none of the obligations of Contractor
thereunder; (iii) to do no act which would relieve Contractor from its
obligations to construct the Improvements according to the Plans and
Specifications; and (iv) to make no amendments to or charge orders under the
Construction Contract without the prior written consent of Lender.

     4.3 Architectural Contract. (i) To create no default under the terms of the
Architectural Contract; (ii) to waive none of the obligations of Architect
thereunder; (iii) to do no act which would relieve Architect from its
obligations under the Architectural Contract; and (iv) to make no amendments to
the Architectural Contract, without the prior written consent of Lender.

     4.4 Insurance. To obtain such insurance or evidence of insurance as Lender
may reasonably require, including, but not limited to, the following.

          (a) Title Insurance. A mortgagee title insurance policy in an amount,
     form and substance and written by a title insurance company and through a
     title agent satisfactory to Lender and insuring a valid first lien upon and
     security title in and to the Property by virtue of the Security Deed, the
     original of which policy shall be promptly delivered to Lender. The policy
     shall contain no exceptions other than those specifically waived in writing
     by Lender.

          (b) (b) Builder's Risk Insurance. Builder's risk insurance with
     standard non-contributing mortgagee clauses and standard subrogation
     clauses, such insurance to be in such amounts and form and by such
     companies as shall be approved by Lender, the originals of which policies
     [together with appropriate endorsements thereto, evidence of payment of
     premiums thereon and written agreement by the insurer or insurers therein
     to give Lender thirty (30) days prior written notice of intention to
     cancel] shall be promptly delivered to Lender; said insurance coverage to
     be kept in full force and effect at all times until the completion of
     construction of the Improvements.

          (c) Hazard Insurance. Fire and extended coverage insurance, and such
     other hazard insurance as Lender may require with standard non-contributing
     mortgagee clauses and standard subrogation clauses, such insurance to be in
     such amounts and form and by such companies as shall be approved by Lender,
     the originals of which policies together with appropriate endorsements
     thereto, evidence of payment of premiums thereon and written agreement by
     the insurer or insurers therein to give Lender thirty (30) days prior
     written notice of intention to cancel shall be promptly delivered upon
     completion of construction of the Improvements and before any portion of
     the Property is occupied by Borrower or any tenant of Borrower, with such
     insurance to be kept in full force and effect at all times thereafter until
     the payment in full of the loan evidenced by the Note.

          (d) Public Liability and Workmen's Compensation Insurance. A
     certificate from an insurance company indicating that Borrower and
     Contractor are covered by public liability and workmen's compensation
     insurance to the satisfaction of Lender.

     4.5 Collection of Insurance Proceeds. To cooperate with Lender in obtaining
for Lender the benefits of any insurance or other proceeds lawfully or equitably
payable to Lender in connection with the transactions contemplated hereby and to
reimburse Lender for any expenses incurred in connection therewith (including
the payment by Borrower of the expense of an independent appraisal on behalf of
Lender in case of a fire or other casualty affecting the Property).
<PAGE>
     4.6 Application of Loan Proceeds. To use the proceeds of the Loan solely
for the purpose of paying for the cost of construction of the Improvements and
such incidental costs relative to such construction as may be approved from time
to time in writing by Lender, and in no event to use any of the Loan proceeds
for personal, family, or household purposes.

     4.7 Expenses. To pay all costs of closing the loan contemplated hereunder
and all expenses of Lender with respect thereto, including but not limited to,
legal fees (including legal fees incurred by Lender subsequent to the closing of
the loan in connection with the disbursement, administration, collection or
transfer of the loan), advances, recording expenses, surveys, intangible taxes,
expenses of foreclosure (including trustee's and attorney's fees) and similar
items.

     4.8 Commencement and Completion of Construction. To diligently pursue
construction to completion; and to supply such monies and to perform such duties
as may be necessary to complete the construction of the Improvements
substantially in accordance with the Plans and Specifications and in full
compliance with all terms and conditions of the Commitment and the Loan
Documents, all of which shall be accomplished on or before the Completion Date,
and without liens, claims or assessments (actual or contingent) asserted against
the Property for any material, labor or other items furnished in connection
therewith, and all in full compliance with all Requirements; evidence of
satisfactory compliance with all of which Borrower will provide to Lender upon
request therefore by Lender.

     4.9 Right of Lender to Inspect Property. To permit Lender and its
representatives and agents to enter upon the Property and to inspect the
Improvements and all materials to be used in the construction thereof and to
cooperate and cause Contractor to cooperate with Lender and its representatives
and agents during such inspections (including making available to Lender working
copies of the Plans and Specifications together with all related supplementary
materials); provided, however, that this provision shall not be deemed to impose
upon Lender any obligation to undertake such inspections.

     4.10 Correction of Defects. To correct promptly any structural defect in
the Improvements or any departure from the Plans and Specifications not
previously approved by Lender, Borrower hereby agreeing that the advance of any
loan proceeds, with or without knowledge of such defect, shall not constitute a
waiver of Lender's right to require compliance with this covenant.

     4.11 Approval of Change Orders. To permit no deviations from the Plans and
Specifications during construction without the prior written approval of Lender.

     4.12 Notice of Occupancy. To notify immediately Lender upon the acceptance
by the initial tenant of occupancy of any portion of the Property, such notice
to include the name of the tenant and the date of occupancy.

     4.13 Books and Records. To keep and maintain proper and accurate books,
records and accounts reflecting all items of income and expense of Borrower in
connection with the Property and the construction thereon; and, upon the request
of Lender, to make such books, records and accounts immediately available to
Lender for inspection or independent audit.

     4.14 Notification of Claims by Subcontractors and Materialmen. To advise
Lender immediately, and in writing, if Borrower receives any notice, written or
oral, from any laborer, subcontractor or materialman to the effect that said
laborer, subcontractor or materialman has not been paid when due for any labor
or materials furnished in connection with the construction of the Improvements.
<PAGE>
     4.15 Soil Tests. To provide promptly to Lender at Borrower's expense such
soil tests of the Land as Lender may request.

     4.16 Bonds. To furnish to Lender and maintain such dual-obligee payment and
performance bonds relating to the Contractor and major subcontractor as Lender
may require from time to time.

     4.17 Insufficiency of Loan Proceeds. To deposit funds with Lender as
hereinafter provided. If at any time during the term of this Agreement, in
Lender's judgment and opinion the remaining undisbursed portion of the Loan is
insufficient to fully complete the Improvements substantially in accordance with
the Plans and Specifications, and to pay all interest accrued or to accrue on
the Loan, and to pay all other sums due or to become due under the Loan
Documents, Borrower shall, within seven (7) days after written notice thereof
from Lender, deposit with Lender such sums of money in cash as Lender may
require, and in an amount or amounts sufficient to remedy such condition, and
sufficient to pay any liens for services and materials alleged to be due and
payable at that time in connection with the Improvements, and, at Lender's
option, no further disbursements of the Loan shall be made by Lender until this
Paragraph has been fully complied with. All such deposited sums shall stand as
additional security for Borrower's obligations under this Agreement and shall be
disbursed by Lender before any further advances of the Loan are made, or paid
over to Borrower upon termination of Borrower's obligations under this
Agreement.

     4.18 Additional Documents. To perform hereunder as follows.

          (a) Regarding Construction. To furnish to Lender all instruments,
     documents, boundary surveys, footing or foundation surveys, certificates,
     plans and specifications, appraisals, title and other insurance, reports
     and agreements and each and every other document and instrument required to
     be furnished by the terms of the Commitment, all at Borrower's expense.

          (b) Regarding Preservation of Security. To execute and deliver to
     Lender such documents, instruments, assignments and other writings, and to
     do such other acts necessary or desirable, to preserve and protect the
     collateral at any time securing or intended to secure the Note, as Lender
     may require.

          (c) Regarding This Agreement. To do and execute all and such further
     lawful and reasonable acts, conveyances and assurances in the law for the
     better and more effective carrying out of the intents and purposes of this
     Agreement as Lender shall require from time to time.

                                    ARTICLE 5
             Methods and Conditions of Disbursement of Loan Proceeds
             -------------------------------------------------------

     Lender agrees to make disbursements to Borrower against the Note for
Construction and Development Costs up to the full Loan Amount in accordance with
and subject to the following conditions and procedures:

     5.1 Draw Request. At such time as Borrower shall desire to obtain, subject
to the other requirements hereof, a disbursement of any portion of the proceeds
of the Loan, Borrower, by its authorized signatory, who is hereby designated to
be Don B. Moody, as President of Borrower, shall complete, execute and deliver
to Lender a request for an advance on the Lender's standard form draw request
(hereinafter referred to as a "Draw Request"), as said standard form may be
changed by Lender from time to time, together with the inspection fee charged to
Lender by Lender's Inspector.
<PAGE>
     5.2 Evidence of Progress of Construction. Each Draw Request shall be
accompanied by evidence in form and content satisfactory to Lender (including,
but not limited to, certificates and affidavits of Borrower, Architect, Lender's
Inspector and Contractor or such other persons as Lender may require) showing:

          (a) the percentage of the Improvements completed at that time; the
     total funds expended to date by Borrower in connection with the
     construction of the Improvements (including the portions thereof for which
     Loan proceeds have been previously disbursed); and the funds required to
     complete the construction of the Improvements;

          (b) that all outstanding claims for labor, materials and fixtures have
     been paid;

          (c) that there are no liens outstanding against the Property except
     for Lender's security title, other than inchoate liens for property taxes
     not yet due;

          (d) that Borrower has complied with all of Borrower's obligations, as
     of the date thereof, under the Loan Documents;

          (e) that all construction prior to the date of the Draw Request has
     been done substantially in accordance with the Plans and Specifications;

          (f) that any payment and performance bonds required by Lender are in
     full force and effect;

          (g) that all funds previously disbursed by Lender have been applied
     directly to the Construction and Development Costs;

          (h) that copies of all bills or statements for expenses for which the
     advance is requested are attached to such Draw Request;

          (i) that all change orders shall have been approved by any surety;

          (j) that the loan proceeds then remaining to be disbursed are
     sufficient to cover the remaining unpaid Construction and Development
     Costs.

     5.3 Continuation of Title Insurance Coverage. Each Draw Request shall, at
the request of Lender, be accompanied by a satisfactory endorsement to the
previously delivered mortgagee title insurance policy, which endorsement shall
(i) indicate that since the effective date of said policy (or the effective date
of the last such endorsement, if any) there has been no change in the status of
title to the Property as set out in said policy and (ii) have the effect of
increasing the coverage of the policy by an amount equal to the advance then
being made.

     5.4 Conditions Precedent to Each Disbursement. At no time and in no event
shall Lender be obligated to disburse funds:

          (a) in excess of the amount recommended by Lender's Inspector; or

          (b) if any Event of Default shall have occurred and shall not have
     been cured; or

          (c) if in the sole opinion of Lender the estimated remaining costs
     (both direct and indirect) of construction of the Improvements in
     accordance with the Plans and Specifications exceed the remaining
     undisbursed portion of the Loan; or

          (d) if the Property shall have been damaged by fire or other casualty
     and Lender shall not have received insurance proceeds sufficient in the
     sole judgment of Lender to effect the restoration of the Improvements in
     accordance with the Plans and Specifications so as to permit the completion
     of the Improvements on or before the Completion Date; or

<PAGE>
          (e) for personal property or construction materials unless stored on
     the Land and reasonably secured from damage and theft in a manner wholly
     satisfactory to Lender; or

          (f) against any construction contract, subcontract or order for supply
     of materials not previously furnished to and approved by (and, if requested
     by Lender, assigned to Lender) Lender and Lender's Inspector in all
     respects including reasonableness of costs and identity of the contractor,
     subcontractor, materialmen or supplier; or

          (g) if Borrower shall fail to furnish to Lender an updated schedule of
     estimated monthly disbursements in form satisfactory to Lender;

          (i) in excess of the Loan Amount.

     5.5 Retainage. Each construction disbursement shall not exceed ninety (90%)
percent of the cost of work in place and materials properly stored on-site under
the Construction Contract through the date of such disbursement until the
Improvements have been completed in accordance with the Plans and
Specifications. This ten (10%) percent retainage shall be disbursed only upon
compliance with the following requirements (in addition to the requirements for
all other disbursements):

          (a) receipt by Lender of satisfactory evidence of the completion of
     the Improvements (in their entirety) substantially in accordance with the
     Plans and Specifications and approval of such completion by all
     Governmental Authorities having jurisdiction thereover; and

          (b) receipt by Lender of a satisfactory "as-built" blueprint of survey
     reflecting the location of the Improvements on the Land in accordance with
     the Plans and Specifications; and

          (c) receipt by Lender of a final Contractor's affidavit and such other
     information as is sufficient in the opinion of Lender's counsel and any
     materialmen's and mechanics' liens (inchoate or otherwise) which could
     affect title to the Property.

     5.6 Notice, Frequency and Place of Disbursements. At the option of Lender:
(i) each Draw Request shall be submitted to Lender at least ten (10) business
days prior to the date of the requested advance; (ii) disbursements shall be
made no more frequently than monthly; and (iii) all disbursements shall be made
at the principal office of Lender or at such other place as Lender may
designate. If all of the terms and conditions of this Agreement have been
materially complied with to Lender's sole satisfaction and provided that there
exists no Event of Default, Lender shall disburse the proceeds of the Loan in
accordance with such Draw Requests.

     5.7 Deposit of Funds Advanced. Borrower will immediately deposit all loan
proceeds advanced by Lender in a separate and exclusive account maintained with
Wachovia Bank, Account No. 2000017154222, to be withdrawn and used solely for
the purposes specified in the Draw Request, and will promptly furnish Lender
with evidence thereof.

     5.8 Advances to Contractors. At its option Lender may make any or all
advances for construction expenses directly to Contractor for deposit in an
appropriately designated special bank account and the execution of this
Agreement by Borrower shall, and hereby does, constitute an irrevocable
direction and authorization to so advance the funds. No further direction or
authorization from Borrower shall be necessary to warrant such direct advances
to Contractor and all such advances shall satisfy pro tanto the obligations of
Lender hereunder and shall be secured by the Security Deed as fully as if made
to Borrower.
<PAGE>
     5.9 Advances to Title Insurance Company. At its option, Lender may make any
or all advances through the title insurance company insuring the lien of the
Security Deed and any portion of the loan so disbursed by Lender shall be deemed
disbursed as of the date on which the title insurance company receives such
disbursement. The execution of this Agreement by Borrower shall, and hereby
does, constitute an irrevocable direction and authorization to so advance the
funds. No further direction or authorization from Borrower shall be necessary to
warrant such direct advances to the title insurance company and all such
advances shall satisfy pro tanto the obligations of Lender hereunder and shall
be secured by the Security Deed as fully as if made to Borrower.

     5.10 Advances Do Not Constitute a Waiver. No advance of loan proceeds
hereunder shall constitute a waiver of any of the conditions of Lender's
obligation to make further advances nor, in the event Borrower is unable to
satisfy any such condition, shall any such waiver have the effect of precluding
Lender from thereafter declaring such inability to be an event of default under
Article 6 hereof.

     5.11 Construction Interest Payable with Each Draw Request. So long as there
shall be an interest reserve under the Loan (and Borrower hereby agrees that
Lender shall have the right to establish and maintain said reserve), interest
shall be funded by Lender, either by funding same to Borrower with immediate
payment by Borrower to Lender or directly by Lender to itself, as Lender shall
determine in its sole discretion, provided, however, that nothing contained
herein shall be deemed to release or in any way relieve Borrower of its
obligation under the Note to pay interest as therein provided. Interest shall be
funded monthly with any Draw Request then funded, but may also be funded whether
or not any Draw Request for that month has been submitted, approved or funded.

                                    Article 6
                                    Defaults
                                    --------

     An Event of Default shall be deemed to have occurred under this Agreement
if:

     6.1 Default under Loan Documents. Any default or event of default occurs
under any of the other Loan Documents, which is not cured within any notice and
cure period therein; or

     6.2 Breach of Covenant. Borrower breaches or fails to perform, observe or
meet any covenant or condition made herein and does not cure same within five
(5) days after written notice thereof, with respect to such breaches or failures
curable solely by the payment of money, or within fifteen (15) days after
written notice thereof, with respect to all other such breaches and failures,
provided, however, that with respect to breaches or failures which cannot be
cured by the payment of money, and cannot be reasonably cured within such period
(but can be cured), no Event of Default shall exist hereunder so long as
Borrower promptly commences and thereafter diligently pursues the cure thereof
and continues to satisfy all of Borrower's monetary obligations under the Loan
Documents and so long as, in Lender's reasonable judgment, the Improvements can
be completed by the Completion Date within budget, but in any event such period
shall not exceed thirty (30) days from the date of written notice of default or
extend the maturity date of the Note; or

     6.3 Breach of Warranty. Any warranties made or agreed to be made herein
shall be breached by Borrower or shall prove to be false or misleading in any
material respect unless same are cured within the periods allowed by the
preceding Section 6.2; or

     6.4 Filing of Liens Against the Property. Any lien for labor, materials,
taxes (except for ad valorem taxes not yet due and payable) or otherwise shall
be filed against the Property and not be removed within fifteen (15) days
thereafter; or

     6.5 Litigation Against Borrower. Any suit shall be filed against Borrower,
which if adversely determined could reasonably be expected to substantially
impair the ability of Borrower to perform each and every one of their respective
obligations under and by virtue of the Loan Documents; or
<PAGE>
     6.6 Levy upon the Property. A levy be made under any process on, or a
receiver be appointed for, the Property or any other property of Borrower; or

     6.7 Bankruptcy of Borrower. The filing by Borrower or Guarantor of a
voluntary petition in bankruptcy under Title 11 of the United States Code, or
the issuing of an order for relief against Borrower or Guarantor under Title 11
of the United States Code, or the filing by Borrower or Guarantor of any
petition or answer seeking or acquiescing in any reorganization, arrangement,
composition, readjustment, liquidation, dissolution or similar relief for itself
under any present or future federal, state or other law or regulation relating
to bankruptcy, insolvency or other relief for debtors, or Borrower's or
Guarantor's seeking or consenting to or acquiescing in the appointment of any
custodian, trustee, receiver, conservator or liquidator of Borrower or Guarantor
or of all or any substantial part of the Property or of any or all of the rents,
issues, profits, revenues or royalties thereof, or the making by Borrower or
Guarantor of any general assignment for the benefit of creditors, or Borrower's
or Guarantor's failure generally to pay its debts as such debts become due, or
Borrower's or Guarantor's giving of notice to any governmental body of
insolvency or pending insolvency or suspension of operations; or the entry by a
court of competent jurisdiction of an order, judgment or decree approving a
petition filed against Borrower or Guarantor seeking any reorganization,
arrangement, composition, readjustment, liquidation, dissolution or similar
relief under any present or future federal, state or other law or regulation
relating to bankruptcy, insolvency or other relief for debtors, which order,
judgment or decree remains unvacated and unstayed for an aggregate of sixty (60)
days (whether or not consecutive) from the date of entry thereof, or the
appointment of any custodian, trustee, receiver, conservator or liquidator of
Borrower or Guarantor or of all or any substantial part of the Property or of
any or all of the rents, issues, profits, revenues or royalties thereof without
the consent or acquiescence of Borrower or Guarantor which appointment shall
remain unvacated and unstayed for an aggregate of sixty (60) days (whether or
not consecutive); or

     6.8 Abandonment or Cessation of Construction. Construction of the
Improvements shall be abandoned or shall cease (except due to events of force
majeure which are hereby defined to mean acts of God, enemy action or civil
commotion) and not be resumed within fifteen (15) days thereafter; or

     6.9 Failure to Disprove Default. Lender shall reasonably suspect the
occurrence of one or more of the aforesaid Events of Default and Borrower, upon
the request of Lender, shall fail to provide evidence reasonably satisfactory to
Lender that such Event or Events of Default have not in fact occurred.

                                    Article 7
                               Remedies of Lender
                               ------------------

     Upon the occurrence of any one or more of the Events of Default set out in
Article 6 hereof, Lender, at its option and in addition to and not in lieu of
the remedies provided for in the other Loan Documents, shall be entitled to
proceed to exercise any of the following remedies:

     7.1 Default Constitutes Default under Other Loan Documents. Borrower agrees
that the occurrence of such Event of Default shall constitute a default under
each of the other Loan Documents, thereby entitling Lender (i) to exercise any
of the various remedies therein provided, including the acceleration of the
indebtedness evidenced by the Note and the foreclosure of the Security Deed, and
(ii) cumulatively to exercise all other rights, options and privileges provided
by law or in equity.

     7.2 Right of Lender to Assume Possession and Complete Construction.
Borrower agrees, upon the request of Lender, to vacate the Property and to
permit Lender:
<PAGE>
          (a) to enter into possession;

          (b) to perform or cause to be performed any and all work and labor
     necessary to complete the Improvements in accordance with the Plans and
     Specifications;

          (c) to employ security watchmen to protect the Property; and

          (d) to disburse that portion of the proceeds of the Loan not
     previously disbursed (including any retainage) to the extent necessary to
     complete construction of the Improvements in accordance with the Plans and
     Specifications, and if the completion requires a larger sum than the
     remaining undisbursed portion of the Loan, to disburse such additional
     funds, all of which funds so disbursed by Lender shall be deemed to have
     been disbursed to Borrower and shall be secured by the Security Deed. For
     this purpose, Borrower hereby constitutes and appoints Lender its true and
     lawful attorney-in-fact with full power of substitution to complete the
     construction of the Improvements in the name of Borrower, and hereby
     empowers Lender as said attorney to take all actions necessary in
     connection therewith including, but not limited to, the following: to use
     any funds of Borrower including any balance which may be held in escrow and
     any funds which may remain unadvanced hereunder for the purpose of
     completing the Improvements in the manner called for by the Plans and
     Specifications; to make such additions, changes and corrections in the
     Plans and Specifications which shall be necessary or desirable to complete
     the Improvements in substantially the manner contemplated by the Plans and
     Specifications; to employ such contractors, subcontractors, agents,
     architects and inspectors as shall be required for said purposes; to pay,
     settle or compromise all existing or future bills and claims which are or
     may be liens against the Property, or may be necessary or desirable for the
     completion of the Improvements or the clearance of title to the Property;
     to execute all applications and certificates in the name of Borrower which
     may be required by any construction contract; and to do any and every other
     act with respect to the construction of the Improvements which Borrower may
     do in its own behalf. It is understood and agreed that this power of
     attorney shall be deemed to be a power coupled with an interest which
     cannot be revoked by death or otherwise. Said attorney-in-fact shall also
     have power to prosecute and defend all actions or proceedings in connection
     with the construction of the Improvements and to take such action and
     require such performance as it deems necessary. In accordance therewith
     Borrower hereby assigns and quitclaims to Lender all sums to be advanced
     hereunder including retainage and any sums in escrow conditioned upon the
     use of said sums, if any, for the completion of the Improvements.

                                    ARTICLE 8
                               General Conditions
                               ------------------

     The following conditions shall be applicable throughout the term of this
Agreement:

     8.1 Rights of Third Parties. All conditions of the obligations of Lender
hereunder, including the obligation to make advances, are imposed solely and
exclusively for the benefit of Lender and its successors and assigns and no
other person shall have standing to require satisfaction of such conditions in
accordance with their terms or be entitled to assume that Lender will refuse to
make advances in the absence of strict compliance with any or all thereof and no
other person shall, under any circumstances, be deemed to be a beneficiary of
such conditions, any and all of which may be freely waived in whole or in part
by Lender at any time if in its sole discretion it deems it desirable to do so.
In particular, Lender makes no representations and assumes no obligations as to
third parties concerning the quality of the construction by Borrower of the
Improvements or the absence therefrom of defects. In this connection Borrower
agrees to and shall indemnify Lender from any liability, claims or losses
resulting from the disbursement of the loan proceeds or from the condition of
the Property whether related to the quality of construction or otherwise and
whether arising during or after the term of the loan made by Lender to Borrower
in connection herewith. This provision shall survive the repayment of said loan
and shall continue in full force and effect so long as the possibility of such
liability, claims or losses exists.
<PAGE>
     8.2 Evidence of Satisfaction of Conditions. Any condition of this Agreement
which requires the submission of evidence of the existence or nonexistence of a
specified fact or facts implies as a condition the existence or nonexistence, as
the case may be, of such fact or facts and Lender shall, at all times, be free
independently to establish to its satisfaction and in its absolute discretion
such existence or nonexistence.

     8.3 Notices. Each notice, demand, election or request provided for or
permitted to be given pursuant to this Agreement (hereinafter in this paragraph
referred to as "Notice") must be in writing and shall be deemed to have been
properly given or served by personal delivery or by depositing in the United
States Mail, postpaid and registered or certified, return receipt requested, and
addressed to the addresses set forth in Article I hereof. Each notice shall be
effective upon being personally delivered or upon being deposited in the United
States Mail. The time period in which a response to any notice, demand or
request must be given, if any, however shall commence to run from the date of
personal delivery or receipt on the return receipt by the addressee thereof.
Rejection or other refusal to accept or the inability to deliver because of
changed address of which no notice was given shall be deemed to be receipt of
the notice, demand or request sent. By giving at least thirty (30) days written
notice thereof, Borrower or Lender shall have the right from time to time and at
any time during the term of this Agreement to change their respective addresses
and each shall have the right to specify as its address any other address within
the United States of America.

     8.4 Assignment. Borrower may not assign this Agreement or any of its rights
or obligations hereunder without the prior written consent of Lender.

     8.5 Successors and Assigns Included in Parties. Whenever in this Agreement
one of the parties hereto is named or referred to, the heirs, legal
representatives, successors and assigns of such parties shall be included and
all covenants and agreements contained in this Agreement by or on behalf of
Borrower or by or on behalf of Lender shall bind and inure to the benefit of
their respective heirs, legal representatives, successors and assigns, whether
so expressed or not.

     8.6 Headings. The headings of the Articles, Paragraphs and subparagraphs of
this Agreement are for the convenience of reference only, are not to be
considered a part hereof and shall not limit or otherwise affect any of the
terms hereof.

     8.7 Invalid Provisions to Affect No Others. If fulfillment of any provision
hereof or any transaction related hereto at the time performance of such
provisions shall be due, shall involve transcending the limit of validity
presently prescribed by law, with regard to obligations of like character and
amount, then ipso facto, the obligation to be fulfilled shall be reduced to the
limit of such validity; and if any clause or provision herein contained operates
or would prospectively operate to invalidate this Agreement in whole or in part,
then such clause or provision only shall be held for naught, as though not
herein contained, and the remainder of this Agreement shall remain operative and
in full force and effect.

     8.8 Number and Gender. Whenever the singular or plural number, or the
masculine, feminine or neuter gender is used herein, it shall equally include
the other.

     8.9 Amendments. Neither this Agreement nor any provision hereof may be
changed, waived, discharged or terminated orally, but only by instrument in
writing signed by the party against whom enforcement of the change, waiver,
discharge or termination is sought.

     8.10 Governing Law. This Agreement shall be governed by and construed in
accordance with the laws of the State of Georgia.

     8.11 Counterparts. This Agreement may be executed in multiple counterparts,
which taken together shall be deemed one original.
<PAGE>

                                    ARTICLE 9
                               Special Conditions
                               ------------------

     9.1 Conditions to Disbursements in Excess of Two Hundred Thousand and
No/100 ($200,000) Dollars. In addition to all other conditions to Lender's
obligation to make disbursements of Loan proceeds hereunder, including, without
limitation, those set forth in Article 5 hereof, Lender shall have no obligation
to disburse proceeds of the Loan in excess of the cumulative amount of Two
Hundred Thousand Dollars and No/100 ($200,000 ) Dollars, unless and until
Borrower shall have satisfied the following conditions to Lender's satisfaction:

          (a) Lease. Borrower shall have entered into a lease agreement with a
     tenant reasonably acceptable to Lender covering not less than 8,000 square
     feet of leasable space within the Improvements on such terms as shall be
     satisfactory to Lender in Lender's reasonable judgment and shall have
     delivered Lender satisfactory evidence of same.

          (b) Permits. Borrower shall have provided Lender with a photocopy of a
     Building Permit issued by Fulton County, Georgia or the City of Union City,
     Georgia, whichever is applicable, together with any and all curb cut,
     sewer, water tap and other permits required for development of the
     Property.

          (c) Access. Borrower shall have provided Lender with a photocopy of an
     access permit issued by the State of Georgia or applicable subdivision
     thereof for suitable access to the Land. .

     9.2 Failure to Satisfy Paragraph 9.2 Requirements. The inability of
Borrower to satisfy the requirements of Paragraph 9.2 on or prior to December 5,
2003, shall constitute an Event of Default hereunder and under the other Loan
Documents and shall entitle Lender to exercise any and all of the remedies set
forth herein and under the other Loan Documents.

     9.3 Loan Terms. The Loan shall be evidenced by the Note, and shall bear
interest at a rate of 7.5% per annum. Borrower shall pay to Lender a loan
origination fee in the amount of 1.5% of the Loan Amount, which shall be due and
payable upon the earlier of (i) June 4, 2004 or (ii) six months after Family
Dollar Stores of Georgia, Inc. ("Family Dollar") takes occupancy of the premises
described in the Deed to Secure Debt and Security Agreement, pursuant to that
certain lease agreement between Family Dollar and the Borrower dated May 14,
2003.

            [THE REMAINDER OF THIS PAGE WAS INTENTIONALLY LEFT BLANK]

<PAGE>

     IN WITNESS WHEREOF, Borrower and Lender have executed this Agreement under
seal on the date first above written.

                                           BORROWER:

                                           CROSS COUNTRY PROPERTIES, LLC

                                           By: /s/ Don B. Moody         (SEAL)
                                               -------------------------
                                               Don B. Moody, President

                                           LENDER:

                                           GDBA INVESTMENTS LLLP

                                           By: /s/ Brian S. Klemsz
                                              --------------------------
                                              Brian S. Klemsz, Manager

<PAGE>

                                    EXHIBIT A
                                    ---------

                                  Cost Estimate
                                  -------------

<PAGE>

                                    EXHIBIT B
                                    ---------

                                Legal Description
                                -----------------

<PAGE>

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