Document:

LOAN AGREEMENT
                                for a Loan from
                             First Savings Bank, FSB

1. DATE AND PARTIES.  The date of this Loan Agreement  (Agreement) is . 04125/00
and the Part are the following:

        BORROWER: UNITED HERITAGE
                  CORPORATE 2 NORTH CADO
                  CLEBURNE, TX 76031

        BANK:     First Savings Bank, FSB
                  a TEXAS  banking  corporation
                  301 South  Center,  Suite 120
                  Arlington, Tx 76010

2. BACKGROUND. Borrower has applied for a REVOLVING LINE OF CREDIT (Loan) in the
principal amount of S 962,000.000.00 The Loan shall be evidenced by a promissory
note.  38728 . (Note)  dated04125/00  . and executed by Borrower  payable to the
order of Bank and all  extensions,  renewals,  modifications,  or  substitutions
thereof. There may be other documents (Related Documents) that secure,  guaranty
or otherwise relate to the Loan, any collateral  securing the Loan (Collateral).
or  this  Agreement.  To  induce  Bank  to  make  the  Loan  and as  part of the
consideration for Bank making the Lose.  Borrower and Bank agree m the following
terms. representations. warranties and covenants, which shall prevail so long as
any  part of the  Loan or any  other  obligation  of  Borrower  to Bank  remains
outstanding or Bank is obligated m make any advances on the Loan.

3. ADVANCES ON LOAN.  The Loan is to be made in one or more advances to Borrower
on or before  04/25/01 . At no time shall the outstanding  principal  balance of
the Loan exceed S 962.000,000.00 . Borrower  authorises Bank m honor any written
request  for an  advance  on the  Loan  from  Borrower  or  from  any one of the
following persons: WALTER MIZE

Bank may, in in sole di=e= and  without  liability  of any kind.  honor any oral
request made by Borrower for an advance on the Loan.  Such request  cotutituta a
warranty by Borrower that the request is in compliance with this Agreement.  the
Note and all Related Docatmeata.  The written request shall be made on documents
normally  requited by Bank and shall be  accompanied  by ALL documents  normally
required  by Bank  for the  particular  type of Loan  made to  Borrower.  Bank's
records  shall be  conclusive  evidence  as in the  amount of  advances,  unpaid
principal  balances and the seemed' tioetat on the Loan. A check or outer charge
presented  against this account in excess of the balance may be treated by Bank.
at its option. as a request for an advance under this Agreement.  Any payment by
Bank of any such check or other charge may. at its option. constitute an advance
on the Loan m  Borrower.  Bank  shall have m duty to make any  advance  except a
expressly stated in the Note.

4. DEPOSITORY RELATIONSHIP. Borrower shall maintain a primary checking, savings,
or similar account. at Bank during the term of this Agreement and any extensions
therein.  Back shall have the right,  in its sole  discretion,  n dishonor chain
drawn on such  deposit  account  and to hold  such  deposit  account  as cash ..
collateral to secure the payment of the I:oan.  Notwithstanding  the  foregoing.
nothing  contained  herein shall interfere with Bank's right under statutory and
common law to set-off the balances of any such deposit account against the loan.

5. COLLECTION EXPENSES. Borrower shall, upondemand.  reimburse Bank for all fees
and expenses paid or incurred by Bank for the preparation and recordation of all
documentation.  the closing,  and the enforcement of the Note. this Agreement or
the Related  Documents.  whether or not a suit is filed. These fees and expenses
include.  but are not limited m. accountants' fees and other  professional fees.
AB such fees and expenses shall be additional liabilities of Borrower to Bank as
advances  under the loan and shall be secured  by the  Collateral  securing  the
loan.

6.  ATTORNEYS'  FEES.  Upon  demand  and to the extent  not  prohibited  by law.
Borrower  shall  reimburse  Bank  for all  reasonable  attorneys'  fees  paid or
incurred  by Bank in  comsection  with the  preparation  and  meordation  of all
documrondoa  closing. and enforcement of the Note. this Agreement or the Related
Documents.  WHETHER or not a suit is filed. Such reasonable attomeys' fees shall
be  additional  liabilities  of Borrower so Bank as advances  under the Loan and
shall be secured by the Collateral securing the loon.

7. LOAN  ORIGINATION  FEE. At the time of execution of the Note.  Borrower shall
pay a  non-refundable  fee of S  0.00  as  worigmation  fee  for  the  Loan.  S.
AFFIRMATIVE COVENANTS.  Borrower agrees:

<PAGE>

      A.    PERFORMANCE OF LOAN OBLIGATIONS.  To make full and timely payment of
            all principal and imerest obligations,  and to comply with the terms
            and  covenants  contained  in  this  Agreement  and in  the  Related
            Document.

      B.    PRESERVE  EXISTENCE.  To preserve Borrower's present existence until
            such time a Bank consents in writing to any change.  Bank's  consent
            to any such change will not be unreasonably  withheld  provided Bank
            can pro&= Bank's security interest and provided further Borrower can
            provide  Bank with  sufficient  security to assure  repayment of the
            Loan.

      C.    LOSS OR  DEPRECIATION OF COLLATERAL.  To immediately  notify Bank of
            any material casualty,  loss or depreciation to the Collateral or to
            any other property of Borrower which affects Borrower's business.

      D.    LIFE INSURANCE.  To maintain all life insurance  policies &sniped to
            Bank as Collateral.

      E.    AGING  REPORTS.  To furnish Bank a certified  and detailed  accounts
            receivable  aging  report  upon Bank's  request,  and in event of no
            request  at least  quarterly,  in such form and for such  periods) a
            Bank may request.

<PAGE>

      F.    INSPECTION.  To permit  Bank,  or its  agent.  to enter  upon any of
            Borrower's  premises and any location where the Collateral u located
            at  all  reasonable  draw  for  the  following   purposes.   without
            limitation:  (i) m inspect.  audit,  check, review and obtain copies
            from Borrower's books, records.  journals. orders. receipts. and any
            correspondence   and  other  bosom=   related  data:   (ii)  m  make
            verifications  concerning the Collateral,  roceeds of the Collateral
            and proceeds of proceeds and their use and disposition: and (iii) to
            discus the  affairs,  finances  and  business of  Borrower  with any
            person or entity who claim to be a creditor of Borrower.

      G.    BOOKS AND  RECORDS.  To  mantain  accurate  and  complete  books and
            records  regarding its operations and to permit Bank, or its agents,
            to examine and copy all or any part of them.

      H.    FINANCIAL  STATEMENTS.  To  promptly  provide  Bank with all  fkDAWW
            stattmentS  WHICH Bank may request  concerning  the Borrower and all
            Guarantors.  initially  and from time m time,  within 30 days of the
            request(s),  or if no request is made,  at lent every 12 months from
            the  dare  of  this  Agreement.   including  business  and  personal
            financial  statements.  such statements shall be reasonably current.
            accurate.  complete, in a form acceptable to Bank and shall be based
            on generally accepted  accounting  principles (GAAP) then in effect.

            I. FURNISH  DOCUMENTS.  To promptly fumiah Bank such other document,
            insnumeno and information a Bank may reasonably request.

      J.    TAXES  AND  LIENS.  To file all  Federal.  State  and  other tax and
            sunilar remms and pay all taxes or liens assessed  against  Borrower
            or Borrower's  properties.  whether due now or hereafter,  including
            but not limited m sales taxes, use taxes,  personal  property taxes,
            documentary stamp taxes,  recordation taxes, franchise taxes, income
            taxes.  withholding  taxes,  FICA taxes and unemployment  taxes when
            due,  and to  promptly  fumuh  Bank with  written  evidence  of such
            payments.

      K.    LICENSES.  PERMITS,  BONDS AND OTHER RIGHTS. To acquire and maintain
            in full  force and  effect all  licenses,  permits,  bonds and other
            documents or certificates reasonably necessary or required to engage
            in and to  carry  on its  business  or  venture  a  contemplated  by
            Borrower and Bank.

<PAGE>

      L.    NOTICE  TO  BANK  BY  BORROWER.  To  promptly  notify  Bank  of  the
            occurrence of any Event of Default under the terms of this Agreement
            and of the occurrence of any default against Borrower by third panes
            which materially affects Borrower's business

      M.    CERTIFICATION OF NO DEFAULT. To furnish Bank a written certification
            upon Bank's request.  or in event of no request at least  quarterly,
            that  there  exists  no Event of  Default  under  the  terms of this
            Agreement or under the Related  Documents.  and that there exists no
            other action,  condition or event which with the giving of notice or
            lapse of time or both would constitute an Event of Default.  If such
            a condition does exist,  the  certificate  must accurately and fully
            disclose the extent and wave of such condition and state what action
            u being taken to correct and proper repairs. renewals. replacements.
            additions.

      N.    7F DN, =: -:  r:a:matu,  preserve and keep  Borrower's  properE good
            repair.  working order and condition,  and from :o tin:- :: =take v:
            nexif0 benerments and improvements  themay so that tht - '"cutxoo of
            the properces s fully preserved and maintained at all times. .

      0.    INSURANCE.  To keep and tiuinmn the Collateral  insured in full with
            companies acceptable to Bank, taming Bank and Borrower on the policy
            in accordance with their respective INTERESTs, with the loss payable
            to Bank.  Insurance of the types and in amounts summarily carried by
            entities in husk== similar to Borrower's shall be maintained for the
            full insurable value,  including  without  limitation,  fire, public
            liability,   property  damage.   business  interruption.   rein  low
            insurance. and worker's compensation insurance.  Certified copies of
            all such insurance  policies or  certificates  of insurance shall be
            delivered upon demand to Bank.

<PAGE>

      P.    ADDITIONAL AFFIRMATIVE COVENANTS. ANNUAL AUDITED STATEMENTS REQUIRED

            9.    NEGATIVE COVENANTS. Without Bank's prior written conmnt, which
                  shall not be unreasonably withheld. Borrow agrees:

                  A.    NO CHANGE IN  STRUCTURE.  Not in change the structure or
                        ownership  of  Borrower's  entity or  business  venture,
                        which includes a change in the mamagement  shareholders,
                        directors.  or officers of any corporate borrower and to
                        notify  Bank  in  writing  of  any  change  in  name  or
                        management of Borrower.

                  B.    NOT TO FORM. Not to form. organize or participate in the
                        organization  of any other  corporation.  partnership or
                        other entity,  or in the creation of any other  business
                        entity  or  merge,  consolidate  with or into any  other
                        corporation. partnership or other entity.

                  C.    PAY NO  DIVIDENDS.  Not to pay or declare any  dividends
                        (including  but not  limited  to any trash  dividend  or
                        stock dividend) or similar distribution.

                  D.    NO CHANGE IN CAPITAL STRUCTURE OR STOCK. Not to release.
                        redeem, retire. purchase or otherwise acquire,  directly
                        or indirectly.  any of its capital stock or other equity
                        security  or  partnership  mmmat or make any  change  in
                        Borrower's   capital  structure  except  to  the  extent
                        required by the terms of any agreements  signed prior to
                        this Agreement.

                  E.    DEALINGS  WITH  INSIDERS.  Not to  purchase,  acquire or
                        lease any property or services from. or sell. provide or
                        lease any  property  or service  to. or  otherwise  deal
                        with, any insiders.  The term 'insiders' includes but is
                        wit  limited  to  any  officer.  employee,  stockholder.
                        director.   partner.  or  any  immediate  family  member
                        thereof.  or any business  entity who owns a controlling
                        in== in Borrower.

<PAGE>

                  F.    LOANS TO  INSIDERS.  Not to lend or advance or permit to
                        be  outstanding  any  loans  or  advances  to  any of in
                        'insiders' which tam is defined above.

                  G.    INCUR  NO OTHER  LIABILITIES.  Not to  maur,  assume  or
                        otherwise  permit  any  liability  to  exist  for  money
                        borrowed,  except from Bank. or in=. assume or otherwise
                        permit  any other  debts or  obligations  outside of the
                        ordinary  course  of  business,  or  loan  money  to,.or
                        guaranty or  otherwise  become in any way liable for the
                        debt or  obligations  of any other person or entity.  H.
                        USE OF LOAN PROCEEDS. Not to permit the (own proceeds to
                        be used to purchase.  carry,  reduce. or retire any loan
                        incurred  m  purchase  or carry  any  margin  stock.  I.
                        DISPOSE OF NO ASSETS.  Not to sell or dispose of or make
                        any  other  distribution  of any of  Borrower's  assets,
                        properties  or  business  other than as  permuted in the
                        Related  Documents.  1. NO OTHER LIENS OR  ENCUMBRANCES.
                        Not to permit or suffer any Lien or encumbrance upon any
                        of Borrower's properties,  except to Bank. .. and except
                        for any valid purchase money security inseresis.  or any
                        other liens  specifically  agreed to by Bank in writing.

            10.   REPRESENTATIONS.  Borrower represents. guaranties and warrants
                  to Bank that:

                  A.    AUTHORITY TO DO BUSINESS.  Borrower is  authorized to do
                        business in this stare and in each state where it may be
                        doing  business  and has  full  power  aW  authority  to
                        execute  and  deliver  die  Note  and  enter  into  this
                        Agreement and the Related Documents.

                  B.    CORPORATE  STATUS.  Borrower  is duly  incorporated  and
                        validly   existing   and  in   good   standing   in  the
                        jurisdiction  of  Borrower's   incorporation  and  where
                        Borrower conducts Borrower's business.

                  C.    AUTHORITY TO ENTER AGREEMENTS. This Agreement. the Note.
                        and the Related Documents will constitute legal.  valid,
                        and  binding  agreements  and  are  enforceable  against
                        Borrower and all other parties therein.

<PAGE>

                  D.    TfrLE AND  POSSESSION.  Borrower has good and marketable
                        title to its assets. and enjoys peaceful and undisturbed
                        possession  under all leases  tinder which  Borrower now
                        operates.

                  E.    LABOR LAWS.  Borrower is complying  with all  applicable
                        federal or state labor laws,  including  but not limited
                        to the Federal Fair Labor Standards Act.

                  F.    TAX LAWS. Borrower has complied with all federal,  state
                        and local tax laws and permit laws.

                  G.    OTHER LAWS. Borrower u not in violation of other federal
                        laws or state laws,  including but not limited to. ERISA
                        (Employee   Retirement  Income  Security  Act)  or  RICO
                        (Rack,taa Influeaeed and Corrupt Organizations).

                  H.    COMPLIANCE.  Borrower  is in  compliance  with all laws,
                        orders,  judgements.  decrees and regulations  (Laws) of
                        all  federal,   foreign,  sine  and  local  governmental
                        authorities  relating to the business operations wed the
                        assets of Borrower. the violation of which would have an
                        adverse  effect on the value of or Bank's  imemat in any
                        of the  Collateral  or would have a  materially  adverse
                        effect on Borrower's  financial  condition.  business or
                        conduct of its business.

                  I.    ADVERSE  AGREEMENTS.  Borrower  is no a party to, not is
                        Borrower  bound by. any  agreement  that  materially  or
                        adversely affects Borrower's bumess. properties,  assets
                        or operations.

<PAGE>

            1.    OTHER CLAIMS.  There arc no outstanding  claims or rights that
                  would conflict with the execution.  delivery or performance by
                  Borrower  of the  terms of the  Note,  this  Agreement  or the
                  Related  Documents  or that would  cause a hen to be placed on
                  the Collateral given for this Loco.  including proceeds of the
                  Collateral  and proceeds of proceeds,  except  those.  if any,
                  disclosed  to and  agreed to by Bank in  writing  prior to the
                  execution of this Agreement.

                  K.    ACCURATE STATEMENTS.  All financial  statements.  books,
                        records.   documents.   and  instruments   submitted  by
                        Borrower to Bank in connection with the Loan are actuate
                        and  complete,  and there has been to  material  adverse
                        change in the  financial  condition of Borrower as shown
                        by  such  statements.   books.  records,   documents  or
                        instruments.

                  L.    SOLVENCY.  Borrower u solvent,  able to pay its debts as
                        they minim,  and has sufficient  capital to carry on its
                        business and all businesses in which Borrower is or will
                        be engaged.  Borrower's total assets. at a present. fair
                        market value.  are greater than the amount of Borrower's
                        total   obligations.   Borrower  will  not  be  rendered
                        insolvent by the execution of the Note,  this  Agreement
                        or Related Documents or by any other transactions.

                  M.    LITIGATION.   There  are  no   proceedings   pending  or
                        threatened  before  any court or  administrative  agency
                        which will or could  have a  materially  adverse  affect
                        upon the financial condition or operations of Borrower.

                  N.    SURVIVAL OF WARRANTIES.  All  represemunom,  warranties,
                        statements,  guaranties  and covenants  contained in the
                        Note.  this  Agreement  or any Related  Documents  shall
                        survive the execution of such  documents.

                  0.    ADDITIONAL REPRESENTATIONS.

<PAGE>

            11.   EVENTS  OF  DEFAULT.  Borrower  shad  be  to  a . :  upon  the
                  occurrence  of any  of the  following  events.;.  .asnnces  or
                  conditions (Events of Default):

                  A     Failure  by any  party  obligated  on the  Loan  to make
                        payment when due: or

                  B.    A default or breach by Borrower, Owner or any co-signer,
                        endorser. surety. or guarantor under any of the terms of
                        this  Agreement.   the  Note.  any   construction   loan
                        agreement   or  other  loan   agreement,   any  security
                        agreement.  mortgage.  deed m secure debt. deed of aunt.
                        trust  deed.   or  any  other   document  or  instrument
                        evidencing,  guarantying,  se=eing or otherwise relating
                        to the Loan: or

                  C.    The  making  or  furnishing  of  any  verbal  or  writen
                        representation.  statement  or warranty to Bank which is
                        or becomes false or incorrect in any material respect by
                        or on behalf of  Borrorowei.  owner,  or any  co-signer.
                        endorser. surety or guarantor of the Loan. or

                  D.    Failure  to obtain or  maintain  the  mmrance  coverages
                        required  by Bank.  or  insurance  as is  customary  and
                        proper for the Collateral (as herein defined): or

                  E.    The death. dissolution or insolvency of. the appointment
                        of a receiver by or on behalf of. the assignment for the
                        benefit of creditors  by or on behalf of, the  voluntary
                        or  involuntary  termination  of  existence  by.  or  by
                        commencement  of any  proceeding  tinder any  present or
                        future   federal   or  state   insolvency.   bankruptcy,
                        reorgamation,  composition  or debtor  relief  law by or
                        against  Borrower,  owner,  or any co-signer,  endorser.
                        surety or guarantor of the Loan. or

                  F.    A good  faith  belief  by Bank at any time  that Bank is
                        insecure  with  respect  Borrower.   or  any  co-signer.
                        endorser.  surety or guarantor. that the prospect of any
                        payment is  impaired or that the  Collateral  (as herein
                        defined) is mtpaued: of

                  G.    Fail to pay or  provide  proof  of  payment  of any tax.
                        assessment,  rent,  insurance premium or escrow.  escrow
                        deficiency on or before its due dam: or

<PAGE>

                  H.    A  material  adverse  change  in  Borrower's   business,
                        including   ownership,    management.    and   financial
                        conditions,   which  in  Bank's  opinion.   impairs  the
                        Collateral or repayment of the Obligations. or

                  1.    A transfer of a substantial  part of Borrower's money or
                        property.

            12.   REMEDIES  ON  DEFAULT.  Upon the  occurrence  of any  Event of
                  Default. Back, at its option. may declare the Loan nmmediately
                  due and  payable as well as invoke  any or all other  remedies
                  provided  in the Note,  any  Related  Document  or by law.  AB
                  remedies  are  cumulative  and  not  exclusive.  Bank  r  also
                  entitled to all remedies provided at law or equity. whether or
                  not expressly set forth.

            13.   NOTICE. All nonees. requests, and demands under this Agreement
                  shall be given by regular United States mail. postage prepaid,
                  or personal  delivery,  at the address set forth above or such
                  other address as the parties may designate m writing.

            14.   GENERAL PROVISIONS.

                  A.    TIME  IS OF  THE  ESSENCE.  Time  is of the  essence  in
                        Borrower's  performance  of all duties  and  obligations
                        imposed by this Agreement.

                  B.    NO WAIVER BY BANK.  Bank's course of dealing,  or Bank's
                        forbearance  from.  or delay in. the  exercise of any of
                        Bank's rights.  remedies.  privileges or right in instat
                        upon  Borrower's  atria  performance  of any  provisions
                        contained  m this  Agrameat,  or other  loan  documents.
                        shall not be construed  as a waiver by Bank.  unless any
                        such waiver e m writing and is signed by Bank.

                  C.    AMENDMENT. The provisions contained in this Agreement my
                        not be amended, except through a written amendment which
                        is signed by Borrower and Balk.

                  D.    FURTHER  ASSURANCES.  Borrower,  upon  request  of Bank,
                        agrees to  execute.  acknowledge,  deliver and record or
                        file such  further  instruments  or  documents  as my be
                        required by Bank to secure the Note or confute any Iien.

<PAGE>

                  E.    GOVERNING LAW. Ibis  Agreement  shall be goveraad by the
                        laws of the State of TEXAS,  provided that such laws are
                        not otherwise preempted by federal laws and regulations.

                  F.    FORUM AND VENUE.  In the event of litigation  pertaining
                        to this Agreement,  the exclusive forum. venue and place
                        of jurisdiction  shall be in the State of TEXAS.  miles:
                        otherwise  designated  in writing  by Bank or  otherwise
                        required by law.

                  G.    SUCCESSORS. This Agreement shall inure In the benefit of
                        and bind the bets. perwnd representatives, sutxeswrs and
                        assigns of the panes:  provided  however,  that Borrower
                        may not assign,  transfer or dekgase my of the rights or
                        obligations under this Agreement.

                  H.    NUMBER AND GENDER.  Whenever  used.  the singular  shall
                        include the plural. the plural the singular, and the use
                        of any gender shall be applicable m all genders.

                  1.    DEFINITIONS.  The serms  used in this  Agreement  if not
                        defined  bereio,  shall have their  manmgs as defined in
                        the other  documents  executed  contemporaneoudy.  or in
                        conjunction. with this Agreement.

                  J.    PARAGRAPH HEADINGS. The hesdings at the beginning of any
                        pumps* or any  subparagraph.  in this  Agreement  an for
                        convenience   only  and  doll  trot  be  dispositive  in
                        iooesprefing or construing this Agreement.

                  K.    IF HELD UNENFORCEABLE. If my provision of this Agreement
                        shag be held  unmilbreeable or void. then such provision
                        than be  severable  from the  remaining  provisions  and
                        aball  in  no  way  affect  the  enforceability  of  the
                        remaining provisions nor the validity of this Agreement.

                  L.    CHANGE  IN  APPLICATION.  Borrower  wiB  notify  Bank  m
                        writing prior to any change in Borrower': name. address.
                        or other application information.

<PAGE>

                  M.    NOTICE.  All  notices  under this  Agreement  must be in
                        writing.  Any notice given by Back to Borrower hereuoder
                        will be  effective  upon  persona  delivery  or 24 hours
                        after maiimg by that class United  States mail.  postage
                        prepaid.  addressed to Borrower at the address militated
                        below Borrower's name on page ons of this Apeement.  Any
                        notice  given  by  Borrower  m Bade  hereunder  will  be
                        effective upon receipt by Bank at the address  indicated
                        below  Bank's name on page one of this  Agreement.  Such
                        addresses may be changed by written  notice to the other
                        party.

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

                            THERE ARE NO UNWRITTEN ORAL  AGREEMENTS  BETWEEN THE
                            PARTIES.

<PAGE>

                     The parties' signatures below indicate
            agreement with the statements contained within this box.

                       BORROWER: UNITED HERITAGE CORPORATE

                           (Corporate Seao)

BY:   WALTER MIZEI

BANK: First Savings Bank, FSB

By:
By:
By:

(*Corporate Seal be a hot failure to affix shall am affect validity or reliance)

a TEX corporation

(Corporate Seal)

By: JAY IB
VICE PRESIDENT

(*Corporate Seal be a hot failure to affix shall am affect validity or reliance)<TABLE>
<CAPTION>
<S>                                                    <C>                                    <C>
                                                          First Savings Bank, FSB             Loan Number
             UNrl'ED HERITAGE CORPORATE                301 South Center, Suite 120            Date APR 25. 2000

                                                                                                                           I

             2 NORTH CADO                                   Arlington, Tx 76010               Maturity Date APR 25.2001
             CLEBURNE, TX 76031                                                               Loan Amount s 2.000.000.00
                                                                                              Renewal Of                     i
</TABLE>

      BORROWER'S NAME AND ADDRESS JG LENDER'S NAME AND ADDRESS JAM

      'I' includes each borrower  above.  joint and  severally.  'You' means the
lender. its successors and assigns.

      For  value  received,  I promise  to pay to You,  or your  order,  at your
address listed above the PRINCIPAL sum of

      TWO MILLION AND NO/100**** Dollars It2.000.000.00

      C3  Single  Advance:  I WILL  RECEIVE  ALL of this  principal  sum on . No
additional advances are contemplated under this note.

      (R) Multiple Advance:  The principal sum shown above is the maximum amount
of principal I can borrow under this note. On APR 25 . 2000

      I will receive the amount of o *********0.00 and future principal advances
are contemplated.

      Conditions:  The conditions for future advances are A PHONE VERBAL WRITTEN
OR IN PERSON REQUEST BY BORROWER

      S BANK HAS RECEIVED ALL DOCUMENTS  INFORMATION  AND WARRANTIES AS BANK MAY
      REQUIRE ALL PROPERLY  EXECUTED IF APPROPRIATE IN A FORM ACCEPTABLE TO BANK
      C BORROWER IS NOT IN DEFAULT ON THIS OR ANY OTHER DEBT

      (C) Open Fad  Credit:  You and 1 agree that I may borrow up to the maximum
amount of  principal  more then one time.  This  feature is subject to all other
conditions  and expires on APR 25. 2001 *'

THIS LOAN IS NOT UNDER  CHAPTER 15 OF THE TEXAS CREDIT CODE.

      C3 Closed End Credit:  You and I agree that I may borrow up to the maximum
only one time land subject to all other conditions).

      INTEREST:  I agree to pay interest on the  outstanding  principal  balance
from APR 25. 2000 at the rate of 10.0000 % per year until FIRST RATE CHANGE DATE
(R) Variable Rate: This rate may then change as stated below.

      (C) Index Rate:  The future rate will be 1. 00% ABOVE the following  index
rate:

      the Prime Rate as Published by the Wall Street Journal**see attachment

      (C) Ceiling Rate: The interest rate ceiling for this note is the INDICATED
calling rate announced by the Credit Commissioner from time to time.(C)Frequency
and Timing: The rate on this note may change as often as DAILY

      A change in the interest rate will take effect The Same Day the Index Rate
changes

      (C)  Limitations:  During the term of this  loan,  the  applicable  annual
interest  rate  will not be more  than  18.00 % or less  than N/A %.  Effect  of
Variable  Rata: A change in the interest rate will have the following  effect on
the payments:

      (C) The amount of each scheduled  payment will change. 0 The amount of the
final payment will change.

      ACCRUAL METHOD: Interest will be calculated on a 365 DAYS PER YEAR basis.

      POST MATURITY  RATE: I agree to pay interest on the unpaid balance of this
note owing after  maturity.  and until paid in full, as stated  below:  0 on the
same  fixed or  variable  rate basis in effect  before  maturity  (as  indicated
above).  (C) at a rate equal to THE STATUTORY  CEILING RATE  INDICATED  ABOVE AS
ANNOUNCED FROM TIME TO TIME .

      0 LATE  CHARGE:  If a payment  is made more than days  after it Is due.  1
agree to pay a late charge of

      ADDITIONAL CHARGES: In addition to interest.  I agree to pay the following
charges which ED Are 0 are not included in the principal amount above: PAYMENTS:
I agree to pay this  note as  follows:  Upon  demand.  but if oo demand is made.
tbea:

      (R) Interest:  1 agree to pay accrued interest ON 05/25/00 AND THEN ON THE
25TH DAY OF EACH MONTH THEREAFTER UNTIL APR 25 2001

      (R)  Principal:  l agree to pay the principal UPON DEMAND BUT IF NO DEMAND
IS MADE THEN ON 04/25/01

      0  Installments:  1 agree to payuhis note in payments.  The first  payment
will  be in the  amount  of E and  will  be  due . A  payment  of S will  be due
thereafter. The final payment of the entire unpaid balance of d interest will be
due

                  ADDITIONAL TERNS RITAGE CORPORATION STOCK VI

<PAGE>

      if anv  irovision of this  agreement  cannot be enforced  according to its
note or any agreement  securing  this note: or terms.  this fact will not affect
the enforceability of the remainder of this (2) you, in good faith, believe that
the prospect of payment or the agreement.  No modification of this agreement may
be made without your prospect of my  performance  of any other of my obligations
under

      express written consent.  Time is of the essence inrthis  agreement.  this
note or any agreement securing this note is impaired.  PAYMENTS:  Each payment I
make on this not'i  will first  reduce the ' If any of us are in default on thus
note or any  security  agreement,  you  amount I owe you for  charges  which are
neither interest nor principal. may exercise your remedies against any or all of
us. The  remainder  of each payment will than reduce  accrued  unpaid  interest,
REMEDIES:  If I am in default on this note you have. but are not limited to. and
then  unpaid  principal.  If you and I agree to a different  application  of the
following remedies: payments. we will describe our agreement on this note. I may
prepay a

      (1) You may demand  immediate  payment of my debt under this note part of,
or the  entire  balance  of this loan  without  penalty,  unless we  (principal.
accrued unpaid interest and other accrued  charges).  specify to the contrary on
this note. Any partial prepayment will not

      (2) You may set off this  debt  against  any  right I have to the  payment
excuse or reduce any later scheduled  payment until this note is paid in full of
money from you, subject to the terms of the 'Set-Off' para luniess,  when I make
the prepayment. you and 1 agree in writing to the graph herein. contrary).

      (3) You may demand security. additional security, or additional parties

      INTEREST:  If 1 receive the principal in more than one advance, each to be
obligated  to pay this note as a condition  for not using any advance will start
to Sam interest only when I receive the advance. The other remedy. interest rate
in effect on this note at any given time will apply to the 14) You may refuse to
make  advances to me or allow  purchases  on entire  principal  advanced at that
time.  Notwithstanding anything to the credit by me. contrary, I do not agree to
pay and you do not intend to charge any rate 15) You may use any remedy you have
under state or federal law. of interest  that is higher than the maximum rate of
interest  you could By  selecting  any one or more of these  remedies you do not
give up charge under  applicable  law for the extinsion of credit that is agreed
to your right to later use any other  remedy.  By waiving  your right to declare
here (either before or after maturity).  If any notice of interest accrual is an
event to be a default.  you do not waive your right to later  consider  the sent
and is in error, we mutually agree to correct it, and if you actually event as a
default if it continues or happens again.  collect more interest than allowed by
law and this agreement,  you agree COLLECTION COSTS AND ATTORNEY'S FEES: I agree
to pay all  costs of to refund it to me.  collection,  replevin  or any other or
similar type of cost if I am in default.  INDEX RATE:  The index will serve ONLY
as a device for  setting  the rate on In  addition,  if you hire an  attorney to
collect  this  note.  I also  agree to pay this note.  You do not  guarantee  by
selecting this index,  or the margin,  any fee you incur with such attonyey plus
court costs  (except  where that the rate on this note will be the same rate you
charge on any other  prohibited by law).  To the extent  permitted by the United
States loans or class of loans to me or other borrowers. Bankruptcy Code, I also
agree to pay the reasonable  attorney's fees and ACCRUAL  METHOD:  The amount of
interest  that I will pay on this ban costs you  incur to  collect  this debt as
awarded by any court  exercising will be calculated  using the interest rate and
accrual method stated on jurisdicatfon under the Bankruptcy Code. page 1 of this
note. For the purpose of interest calculation,  the accrual WAIVER: I give up my
rights to require you to do certain things. I will not method will determine the
number of days in a 'year.' If no accrual require you to: method is stated, then
you may use any reasonable  accrual method for (1) demand payment of amounts due
(presentment):  calculating  interest.  12)  obtain  official  certification  of
nonpayment  (protest):  POST  MATURITY  RATE:  For purposes of deciding when the
'Post (3) give notice that amounts due have not been paid Inotiee of dis.

      Maturity Rate' (shown on page 1) applies,  the term  'maturity'  means the
honor):  date of the last scheduled  payment indicated on page 1 of this note or
14) give notice of intent to accelerate:  or the date You accelerate  payment on
the note, whichever is earlier. 15) give notice of acceleration.  SINGLE ADVANCE
LOANS:  If this is a single  advance ban, you and I OBLIGATIONS  INDEPENDENT:  1
understand  that I must pay this note expect that you will make only one advance
of principal.  However,  you even if someone else has also agreed to pay it (by,
for  example,  signing may add other  amounts to the  principal  if you make any
payments  this form or a  separate  guarantee  or  endorsement).  You may sue me
described in the 'PAYMENTS BY LENDER' paragraph below. alone. or anyone also who
is obligated on this note. or any number of us MULTIPLE  ADVANCE LOANS:  If this
is a multiple advance loan, you and I together, to collect this note. You may do
so without  any nonce that it expect that you will make more than one advance of
principal.  If this is has not been paid (notice of  dishonor).  You may without
notice  release  closed end credit,  repaying a part of the  principal  will not
entitle me to any party to this agreement  without releasing any other party. If
you give additional  credit.  up any of your rights,  with or without notice. it
will not affect my duty to

      PAYMENTS BY LENDER:  If you are authorized to pay, on my behalf,  pay this
note.  Any  extension  of new  credit to any of us, or  renewal  of charges 1 am
obligated to pay (such as property insurance premiums), this note by all or less
than all of us will not  release  me from my duty to than  you may  treat  those
payments made by you as advances and add pay it. (Of course. you are entitled to
only one payment In full.) I agree them to the unpaid principal under this note.
or you may  demand  that you may at your  option  extend  this  note or the debt
represented  by immediate  payment of the charges.  this note. or any portion of
the note or debt,  from time to time without  SET-OFF:  1 agree that you may set
off any amount due and payable  under  limit or notice and for any term  without
affecting my liability for payment this note against any right I have to receive
money  from  you.  of the  note.  I will not  assign my  obligation  under  this
agreement  without  'Right to receive money from you'  means:your  prior written
approval.

      (1) any deposit  account  balance I haw with you:  CREDIT  INFORMATION:  1
agree and  authorize  you to obtain  credit infor (Y) any money owed to me on an
item presented to you or in your matron about me from time to time (for example.
by requesting a credit possession for collection or exchange; and report) and to
report to others your cradft  experience  with me isuch as a 13) any  repurchase
agreement or other nondeposit  obligation.  credit reporting agency). I agree to
provide you.  upon  request.  any 'Arty amount due and payable  under tits note'
means the total financial  statement or information  you may deem  necessary.  I
warrant  amount of WHICH you are entitled to demand  payment  under the terms of
that the financial  statements and information I provide to you are or will this
note at the  time  you set off.  This  total  includes  any  balance  the due be
accurate.  correct and complete.  date for which you property  accelerate  under
this note.  NOTICE:  Unless otherwise required by law, any notice to me shall be
If my right to receive  money  from you is also  owned by  someone  who given by
delivering  it or by mailing  it by first  class  mail  addressed  to me has not
agreed to pay this note.  your right of setoff will apply to my at my last known
address.  My current address is on page 1. 1 agree to interest in the obligation
and to any other amounts 1 could withdraw on inform you in writing of any change
in my address. I will give any notice my sole request or endorsement. Your right
of set-off  does not apply to to you by mailing it first  class to your  address
stated on page 1 of this an account or other obligation where my rights are only
as a repre-  agreement.  or to any  other  address  that  you  have  designated.
santetive.  It also does not apply to any Individual Retirement Account or other
tax-deterred retirement account.

      You will not be liable for the  dishonor  of any check  when the  dishonor
occurs because you set off this debt against any of my accounts. 1 agree to hold
you harmless  from any such claims  arising as a result of your exercise of your
right of set-off. ' REAL ESTATE OR RESIDENCE  SECURITY:  If this note is secured
by real estate or a residence  that is personal  property.  the  existence  of a
default

      and your  remedies for such a default will be  determined  by applicable ,
law, by the terms of any separate instrument creating the security interest and,
to the  extent  not  prohibited  by law and not  contrary  to the  terms  of the
separate  security  instrument,  by the  'Default' and 'Rome.  dies'  paragraphs
herein.

      DATE OF PRINCIPAL BORROWEMS PRINCIPAL PRINCIPAL INTEREST INTEREST INTEREST
O TRANSACTION  ADVANCE WTT1ALS PAYMENTS BALANCE RATE PAYMENTS PAID INET RERKWEDI
THROUGH:

     BANKERS SYSTEIAS. INC. ST. CLOUD. MN 11-600.797O23411 FORM UN-TX 613191

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