Document:

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                                                                   EXHIBIT 10.63

                  STANDARD FORM OF AGREEMENT BETWEEN OWNER AND
               CONTRACTOR WHERE THE BASIS FOR PAYMENT IS THE COST
               OF THE WORK PLUS A FEE WITH A NEGOTIATED GUARANTEED
                                  MAXIMUM PRICE

                            AIA DOCUMENT A111 - 1997
                        1997 EDITION - ELECTRONIC FORMAT
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This document has important legal consequences. Consultation with an attorney is
encouraged with respect to its completion or modification. AUTHENTICATION OF
THIS ELECTRONICALLY DRAFTED AIA DOCUMENT MAY BE MADE BY USING AIA DOCUMENT D401.

This document is not intended for use in competitive bidding.

AIA Document A201-1997, General Conditions of the Contract for Construction, is
adopted in this document by reference.

This document has been approved and endorsed by The Associated General
Contractors of America.

Copyright 1920, 1925, 1951, 1958, 1961, 1963, 1967, 1974, 1978, 1987, (C) 1997
by The American Institute of Architects. Reproduction of the material herein or
substantial quotation of its provisions without written permission of the AIA
violates the copyright laws of the United States and will subject the violator
to legal prosecution.

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AGREEMENT made as of the day of October in the year Two Thousand One (In words,
indicate day, month and year)

BETWEEN the Owner:
(Name, address and other information)
Penn National Gaming of West Virginia
Flowing Springs Road
Charles Town, WV 25414

and the Contractor:
(NAME, ADDRESS AND OTHER INFORMATION)
Howard Shockey & Sons, Inc.
P.O. Box 2530
Winchester, VA 22604-1730

The Project is:
(NAME AND LOCATION)
Charles Town Races Parking Garage and Entertainment Facility
Flowing Springs Road
Charles Town, WV 25414

The Architect is:
(NAME, ADDRESS AND OTHER INFORMATION)
Urban Design Group, Inc.
2410 Paces Ferry Road, Suite 270
Atlanta, GA 30339

The Owner and Contractor agree as follows.

ARTICLE 1 THE CONTRACT DOCUMENTS

     3.1. The Contract Documents consist of this Agreement, Conditions of the
Contract (General, Supplementary and other Conditions), Drawings,
Specifications, Addenda issued prior to execution of this Agreement, other
documents listed in this Agreement and Modifications issued after execution of
this Agreement; these form the Contract, and are as fully a part of the Contract
as if attached to this Agreement or repeated herein. The Contract represents the
entire and integrated agreement between the parties hereto and supersedes prior
negotiations, representations or agreements, either written or oral. An
enumeration of the Contract Documents, other than Modifications, appears in
Article 15. If anything in the other Contract Documents is inconsistent with
this Agreement, this Agreement shall govern.

     Insert A: 3.2 Contractor acknowledges that it has carefully examined the
location, accessibility and general character of the site of the Work and all
existing buildings on site. The Contractor shall exercise special care in
executing subsurface work in the proximity of known subsurface utilities,
improvements and easements. No oral agreement or conversation with any officer,
agent or

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employee of Owner either before or after the execution of the Agreement shall
affect or modify any of the terms or obligations herein contained.

ARTICLE 2 THE WORK OF THIS CONTRACT

The Contractor shall fully execute the Work described in the Contract Documents,
except to the extent specifically indicated in the Contract Documents to be the
responsibility of others.

ARTICLE 3 RELATIONSHIP OF THE PARTIES

The Contractor accepts the relationship of trust and confidence established by
this Agreement and covenants with the Owner to cooperate with the Architect and
exercise the Contractor's skill and judgment in furthering the interests of the
Owner; to furnish efficient business administration and supervision; to furnish
at all times an adequate supply of workers and materials; and to perform the
Work in an expeditious and economical manner consistent with the Owner's
interests. The Owner agrees to furnish and approve, in a timely manner,
information required by the Contractor and to make payments to the Contractor in
accordance with the requirements of the Contract Documents.

ARTICLE 4 DATE OF COMMENCEMENT AND SUBSTANTIAL COMPLETION

     4.1 The date of commencement of the Work shall be the date of Owner
execution of this Agreement unless a different date is stated below or provision
is made for the date to be fixed in a notice to proceed issued by the Owner.

(INSERT THE DATE OF COMMENCEMENT, IF IT DIFFERS FROM THE DATE OF THIS AGREEMENT
OR, IF APPLICABLE, STATE THAT THE DATE WILL BE FIXED IN A NOTICE TO PROCEED.)

If, prior to commencement of the Work, the Owner requires time to file
mortgages, mechanic's liens and other security interests, the Owner's time
requirement shall be as follows:

     4.2 The Contract Time shall be measured from the date of commencement.

     4.3 The Contractor shall achieve Substantial Completion of the entire Work
not later than _____ days from the date of commencement, or as follows:

(INSERT NUMBER OF CALENDAR DAYS. ALTERNATIVELY, A CALENDAR DATE MAY BE USED WHEN
COORDINATED WITH THE DATE OF COMMENCEMENT. UNLESS STATED ELSEWHERE IN THE
CONTRACT DOCUMENTS, INSERT ANY REQUIREMENTS FOR EARLIER SUBSTANTIAL COMPLETION
OF CERTAIN PORTIONS OF THE WORK.)

, subject to adjustments of this Contract Time as provided in the Contract
Documents.

(INSERT PROVISIONS, IF ANY, FOR LIQUIDATED DAMAGES RELATING TO FAILURE TO
COMPLETE ON TIME, OR FOR BONUS PAYMENTS FOR EARLY COMPLETION OF THE WORK.)

ARTICLE 5 BASIS FOR PAYMENT

     5.1 CONTRACT SUM

     5.1.1 The Owner shall pay the Contractor the Contract Sum in current funds
for the Contractor's performance of the Contract. The Contract Sum is the Cost
of the Work as defined in Article 7 plus the Contractor's Fee.

     5.1.2 The Contractor's Fee is: 3% of the Cost of Work plus an incentive fee
as defined in 14.6.1.

(STATE A LUMP SUM, PERCENTAGE OF COST OF THE WORK OR OTHER PROVISION FOR
DETERMINING THE CONTRACTOR'S FEE, AND DESCRIBE THE METHOD OF ADJUSTMENT OF THE
CONTRACTOR'S FEE FOR CHANGES IN THE WORK.)

     5.1.3 In the event the Chage Orders, the Contractor's Fee shall be
increased or decreased by 3% plus inventive fee as defined in 14.6.1 of the cost
of the net increased or decreased Work.

5.2 GUARANTEED MAXIMUM PRICE

     5.2.1 The Drawings and Specifications are not yet sufficiently complete for
the purpose of preparing a Guaranteed Maximum Price. When the Drawings and
Specifications are sufficiently complete the Contractor shall propose a
Guaranteed Maximum Price which shall be the sum of the estimated Cost of the
Work and Contractor's Fee.

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(INSERT SPECIFIC PROVISIONS IF THE CONTRACTOR IS TO PARTICIPATE IN ANY SAVINGS.)

     5.2.1.1 As the Drawings and Specifications may not be finished at the time
the Guaranteed Maximum Price proposal is prepared, the Contractor shall provide
in the Guaranteed Maximum Price for further development of the Drawings and
Specifications by the Architect that is consistent with the Contract Documents
and reasonably inferable therefrom. Such further development does not include
such things as changes in scope, systems, kinds and quality of materials or
finishes or equipment, all of which, if required, shall be incorporated by
Change Order.

     5.2.1.2 The estimated Cost of the Work shall include Contractor's
Contingency, a sum established by the Contractor for the Contractor's exclusive
use to cover costs arising under Subparagraph 5.5.1.1 and other costs which are
promptly reimbursable as Cost of the Work but not the basis for a Change Order.

     5.2.2 The Contractor shall include with the Guaranteed Maximum Price
proposal a written statement of its basis, which shall include: (1) a list of
the Drawings and Specifications, including all addenda thereto and the
Conditions of the Contract, which were used in preparation of the Guaranteed
Maximum Price proposal; (2) a list of allowances and a statement of their basis;
(3) a list of the clarifications and assumptions made by the Contractor in the
preparation of the Guaranteed Maximum Price proposal to supplement the
information contained in the Drawings and Specifications; (4) the proposed
Guaranteed Maximum Price, including a statement of the estimated cost organized
by trade categories, allowances, congtingency, and other items and the fee that
comprise the Guaranteed Maximum Price; (5) the date of Substantial Completion
for the Renovation Work and the Expansion Work upon which the proposed
Guaranteed Maximum Price is based; and (6) a schedule of the Construction
Documents issuance dates upon which the dates of Substantial Completion are
based.

(STATE THE NUMBERS OR OTHER IDENTIFICATION OF ACCEPTED ALTERNATES. IF DECISIONS
ON OTHER ALTERNATES ARE TO BE MADE BY THE OWNER SUBSEQUENT TO THE EXECUTION OF
THIS AGREEMENT, ATTACH A SCHEDULE OF SUCH OTHER ALTERNATES SHOWING THE AMOUNT
FOR EACH AND THE DATE WHEN THE AMOUNT EXPIRES.)

     5.2.3 The Contractor shall meet with the Owner and Architect to review the
Guaranteed Maximum Price proposal and the written statement of its basis. In the
event that the Owner or Architect discovers any inconsistencies or inaccuracies
in the information presented, they shall promptly notify the Contractor, who
shall make appropriate adjustments to the Guaranteed Maximum Price proposal, its
basis or both.

     5.2.4 Allowances, if any, are as follows:

(IDENTIFY AND STATE THE AMOUNTS OF ANY ALLOWANCES, AND STATE WHETHER THEY
INCLUDE LABOR, MATERIALS, OR BOTH.)

     5.2.5 Assumptions, if any, on which the Guaranteed Maximum Price is based
are as follows:

     5.2.6 To the extent that the Drawings and Specifications are anticipated to
require further development by the Architect, the Contractor has provided in the
Guaranteed Maximum Price for such further development consistent with the
Contract Documents and reasonably inferable therefrom. Such further development
does not include such things as changes in scope, systems, kinds and quality of
materials, finishes or equipment, all of which, if required, shall be
incorporated by Change Order.

ARTICLE 6 CHANGES IN THE WORK

     6.1 Adjustments to the Guaranteed Maximum Price on account of changes in
the Work may be determined by any of the methods listed in Subparagraph 7.3.3 of
AIA Document A201-1997.

     6.2 In calculating adjustments to subcontracts (except those awarded with
the Owner's prior consent on the basis of cost plus a fee), the terms "cost" and
"fee" as used in Clause 7.3.3.3 of AIA Document A201-1997 and the terms "costs"
and "a reasonable allowance for overhead and profit" as used in Subparagraph
7.3.6 of AIA Document A201-1997 shall have the meanings assigned to them in AIA
Document A201-1997 and shall not be modified by Articles 5, 7 and 8 of this
Agreement. Adjustments to subcontracts awarded with the Owner's prior consent on
the basis of cost plus a fee shall be calculated in accordance with the terms of
those subcontracts.

     6.3 In calculating adjustments to the Guaranteed Maximum Price, the terms
"cost" and "costs" as used in the above-referenced provisions of AIA Document
A201-1997 shall mean the Cost of the Work as defined in Article 7 of this
Agreement and the terms "fee" and "a reasonable allowance for overhead and
profit" shall mean the Contractor's Fee as defined in Subparagraph 5.1.2 of this
Agreement.

     6.4 If no specific provision is made in Paragraph 5.1 for adjustment of the
Contractor's Fee in the case of changes in the Work, or if the extent of such
changes is such, in the aggregate, that application of the adjustment provisions
of Paragraph 5.1 will cause substantial inequity to the Owner or Contractor, the
Contractor's Fee shall be equitably adjusted on the basis of the Fee

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established for the original Work, and the Guaranteed Maximum Price shall be
adjusted accordingly.

ARTICLE 7 COSTS TO BE REIMBURSED

     7.1 COST OF THE WORK The term Cost of the Work shall mean costs necessarily
incurred by the Contractor in the proper performance of the Work. Such costs
shall be at rates not higher than the standard paid at the place of the Project
except with prior consent of the Owner. The Cost of the Work shall include only
the items set forth in this Article 7.

     7.2 LABOR COSTS

     7.2.1 Wages of construction workers directly employed by the Contractor to
perform the construction of the Work at the site or, with the Owner's approval,
at off-site workshops.

     7.2.2 Wages or salaries of the Contractor's supervisory and administrative
personnel when stationed at the site with the Owner's approval. Payment of the
salaries of the Contractor's project management, estimating, scheduling, safety
and other personnel when working on items of work specifically related to the
Project at the Contractor's principle office, Architect's office, job site field
office or any other location for that portion of their time spent in the
performance of the Work for this Project shall be included in the costs to be
reimbursed. The cost of corporate officers, office administration and all
corporate/company overhead are included in the Contractor's Fee. The cost of the
Director of Business Development and Operation's Manager is also included in the
Contractor's Fee except if they personally perform estimating or project
management functions specifically for the Project.

(IF IT IS INTENDED THAT THE WAGES OR SALARIES OF CERTAIN PERSONNEL STATIONED AT
THE CONTRACTOR'S PRINCIPAL OR OTHER OFFICES SHALL BE INCLUDED IN THE COST OF THE
WORK, IDENTIFY IN ARTICLE 14 THE PERSONNEL TO BE INCLUDED AND WHETHER FOR ALL OR
ONLY PART OF THEIR TIME, AND THE RATES AT WHICH THEIR TIME WILL BE CHARGED TO
THE WORK.)

     7.2.3 Wages and salaries of the Contractor's supervisory or administrative
personnel engaged, at factories, workshops or on the road, in expediting the
production or transportation of materials or equipment required for the Work,
but only for that portion of their time required for the Work.

     7.2.4 Costs paid or incurred by the Contractor for taxes, insurance,
contributions, assessments and benefits required by law or collective bargaining
agreements and, for personnel not covered by such agreements, customary benefits
such as sick leave, medical and health benefits, holidays, vacations and
pensions, provided such costs are based on wages and salaries included in the
Cost of the Work under Subparagraphs 7.2.1 through 7.2.3.

     7.3 SUBCONTRACT COSTS

     7.3.1 Payments made by the Contractor to Subcontractors in accordance with
the requirements of the subcontracts.

     7.4 COSTS OF MATERIALS AND EQUIPMENT INCORPORATED IN THE COMPLETED
CONSTRUCTION

     7.4.1 Costs, including transportation and storage, of materials and
equipment incorporated or to be incorporated in the completed construction.

     7.4.2 Costs of materials described in the preceding Subparagraph 7.4.1 in
excess of those actually installed to allow for reasonable waste and spoilage.
Unused excess materials, if any, shall become the Owner's property at the
completion of the Work or, at the Owner's option, shall be sold by the
Contractor. Any amounts realized from such sales shall be credited to the Owner
as a deduction from the Cost of the Work.

     7.5 COSTS OF OTHER MATERIALS AND EQUIPMENT, TEMPORARY FACILITIES AND
RELATED ITEMS

     7.5.1 Costs, including transportation and storage, installation,
maintenance, dismantling and removal of materials, supplies, temporary
facilities, machinery, equipment, and hand tools not customarily owned by
construction workers, that are provided by the Contractor at the site and fully
consumed in the performance of the Work; and cost (less salvage value) of such
items if not fully consumed, whether sold to others or retained by the
Contractor. Cost for items previously used by the Contractor shall mean fair
market value.

     7.5.2 Rental charges for temporary facilities, machinery, equipment, and
hand tools not customarily owned by construction workers that are provided by
the Contractor at the site, whether rented from the Contractor or others, and
costs of transportation,

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installation, minor repairs and replacements, dismantling and removal thereof.
Rates and quantities of equipment rented shall be subject to the Owner's prior
approval.

     7.5.3 Costs of removal of debris from the site.

     7.5.4 Costs of document reproductions, facsimile transmissions and
long-distance telephone calls, postage and parcel delivery charges, telephone
service at the site and reasonable petty cash expenses of the site office.

     7.5.5 That portion of the reasonable expenses of the Contractor's personnel
incurred while traveling in discharge of duties connected with the Work.

     7.5.6 Costs of materials and equipment suitably stored off the site at a
mutually acceptable location, if approved in advance by the Owner.

     7.6 MISCELLANEOUS COSTS

     7.6.1 That portion of insurance and bond premiums that can be directly
attributed to this Contract:

     7.6.2 Sales, use or similar taxes imposed by a governmental authority that
are related to the Work.

     7.6.3 Fees and assessments for the building permit and for other permits,
licenses and inspections for which the Contractor is required by the Contract
Documents to pay.

     7.6.4 Fees of laboratories for tests required by the Contract Documents,
except those related to defective or nonconforming Work for which reimbursement
is excluded by Subparagraph 13.5.3 of AIA Document A201-1997 or other provisions
of the Contract Documents, and which do not fall within the scope of
Subparagraph 7.7.3. Costs incurred in the performance of all inspections, tests
or approvals required by the Contract Documents, laws, ordinances, rules,
regulations or orders of public authorities having jurisdiction. Such costs
include, but are not limited to, professional engineers' services, testing
laboratory services, and soils engineers' services not paid directly by the
Owner.

     7.6.5 Royalties and license fees paid for the use of a particular design,
process or product required by the Contract Documents; the cost of defending
suits or claims for infringement of patent rights arising from such requirement
of the Contract Documents; and payments made in accordance with legal judgments
against the Contractor resulting from such suits or claims and payments of
settlements made with the Owner's consent. However, such costs of legal
defenses, judgments and settlements shall not be included in the calculation of
the Contractor's Fee or subject to the Guaranteed Maximum Price. If such
royalties, fees and costs are excluded by the last sentence of Subparagraph
3.17.1 of AIA Document A201-1997 or other provisions of the Contract Documents,
then they shall not be included in the Cost of the Work.

     7.6.6 Data processing costs related to the Work.

     7.6.7 Deposits lost for causes other than the Contractor's negligence or
failure to fulfill a specific responsibility to the Owner as set forth in the
Contract Documents.

     7.6.8 Legal, mediation and arbitration costs, including attorneys' fees,
other than those arising from disputes between the Owner and Contractor,
reasonably incurred by the Contractor in the performance of the Work and with
the Owner's prior written approval; which approval shall not be unreasonably
withheld.

     7.6.9 Expenses incurred in accordance with the Contractor's standard
personnel policy for relocation and temporary living allowances of personnel
required for the Work, if approved by the Owner.

     7.7 OTHER COSTS AND EMERGENCIES

     7.7.1 Other costs incurred in the performance of the Work if and to the
extent approved in advance in writing by the Owner.

     7.7.2 Costs due to emergencies incurred in taking action to prevent
threatened damage, injury or loss in case of an emergency affecting the safety
of persons and property, as provided in Paragraph 10.6 of AIA Document
A201-1997.

     7.7.3 Costs of repairing or correcting damaged or nonconforming Work
executed by the Contractor, Subcontractors or suppliers, provided that such
damaged or nonconforming Work was not caused by negligence or failure to fulfill
a specific responsibility of the Contractor and only to the extent that the cost
of repair or correction is not recoverable by the Contractor from insurance,
sureties, Subcontractors or suppliers.

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ARTICLE 8 COSTS NOT TO BE REIMBURSED

     8.1 The Cost of the Work shall not include:

     8.1.1 Salaries and other compensation of the Contractor's personnel
stationed at the Contractor's principal office or offices other than the site
office, except as specifically provided in Subparagraphs 7.2.2 and 7.2.3 or as
may be provided in Article 14.

     8.1.2 Expenses of the Contractor's principal office and offices other than
the site office.

     8.1.3 Overhead and general expenses, except as may be expressly included in
Article 7.

     8.1.4 The Contractor's capital expenses, including interest on the
Contractor's capital employed for the Work.

     8.1.5 Rental costs of machinery and equipment, except as specifically
provided in Subparagraph 7.5.2.

     8.1.6 Except as provided in Subparagraph 7.7.3 of this Agreement, costs due
to the negligence or failure to fulfill a specific responsibility of the
Contractor, Subcontractors and suppliers or anyone directly or indirectly
employed by any of them or for whose acts any of them may be liable.

     8.1.7 Any cost not specifically and expressly described in Article 7.

     8.1.8 Costs, other than costs included in Change Orders approved by the
Owner, that would cause the Guaranteed Maximum Price to be exceeded.

ARTICLE 9 DISCOUNTS, REBATES AND REFUNDS

     9.1 Cash discounts obtained on payments made by the Contractor shall accrue
to the Owner if (1) before making the payment, the Contractor included them in
an Application for Payment and received payment therefor from the Owner, or (2)
the Owner has deposited funds with the Contractor with which to make payments;
otherwise, cash discounts shall accrue to the Contractor. Trade discounts,
rebates, refunds and amounts received from sales of surplus materials and
equipment shall accrue to the Owner, and the Contractor shall make provisions so
that they can be secured.

     9.2 Amounts that accrue to the Owner in accordance with the provisions of
Paragraph 9.1 shall be credited to the Owner as a deduction from the Cost of the
Work.

ARTICLE 10 SUBCONTRACTS AND OTHER AGREEMENTS

     10.1 Those portions of the Work that the Contractor does not customarily
perform with the Contractor's own personnel shall be performed under
subcontracts or by other appropriate agreements with the Contractor. The Owner
may designate specific persons or entities from whom the Contractor shall obtain
bids. The Contractor shall obtain bids from Subcontractors and from suppliers of
materials or equipment fabricated especially for the Work and shall deliver such
bids to the Architect. The Owner shall then determine, with the advice of the
Contractor and the Architect, which bids will be accepted. The Contractor shall
not be required to contract with anyone to whom the Contractor has reasonable
objection.

     10.2 If a specific bidder among those whose bid are delivered by the
Contractor to the Architect (1) is recommended to the Owner by the Contractor;
(2) is qualified to perform that portion of the Work; and (3) has submitted a
bid that conforms to the requirements of the Contract Documents without
reservations or exceptions, but the Owner requires that another bid be accepted,
then the Contractor may require that a Change Order be issued to adjust the
Guaranteed Maximum Price by the difference between the bid of the person or
entity recommended to the Owner by the Contractor and the amount of the
subcontract or other agreement actually signed with the person or entity
designated by the Owner.

     10.3 Subcontracts or other agreements shall conform to the applicable
payment provisions of this Agreement, and shall not be awarded on the basis of
cost plus a fee without the prior consent of the Owner.

ARTICLE 11 ACCOUNTING RECORDS

     The Contractor shall keep full and detailed accounts and exercise such
controls as may be necessary for proper financial management

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under this Contract, and the accounting and control systems shall be
satisfactory to the Owner. The Owner and the Owner's accountants shall be
afforded access to, and shall be permitted to audit and copy, the Contractor's
records, books, correspondence, instructions, drawings, receipts, subcontracts,
purchase orders, vouchers, memoranda and other data relating to this Contract,
and the Contractor shall preserve these for a period of three years after final
payment, or for such longer period as may be required by law.

ARTICLE 12 PAYMENTS

     12.1 PROGRESS PAYMENTS

     12.1.1 Based upon Applications for Payment submitted to the Architect by
the Contractor and Certificates for Payment issued by the Architect, the Owner
shall make progress payments on account of the Contract Sum to the Contractor as
provided below and elsewhere in the Contract Documents.

     12.1.2 The period covered by each Application for Payment shall be one
calendar month ending on the last day of the month, or as follows:

     12.1.3 Provided that an Application for Payment is received by the
Architect not later than the last day of a month, the Owner shall make payment
to the Contractor not later than the last working day of the following month. If
an Application for Payment is received by the Architect after the application
date fixed above, payment shall be made by the Owner not later than thirty (30)
calendar days after the Architect receives the Application for Payment.

     12.1.4 With each Application for Payment, the Contractor shall submit the
previous month's cost report along with copies of the major Subcontractor
Payment Applications for the current month and any other evidence required by
the Owner or Architect to demonstrate that cash disbursements already made by
the Contractor on account of the Cost of the Work equal or exceed (1) progress
payments already received by the Contractor; less (2) that portion of those
payments attributable to the Contractor's Fee; plus (3) payrolls for the period
covered by the present Application for Payment.

     12.1.5 Each Application for Payment shall be based on the most recent
schedule of values submitted by the Contractor in accordance with the Contract
Documents. The schedule of values shall allocate the entire Guaranteed Maximum
Price among the various portions of the Work, except that the Contractor's Fee
shall be shown as a single separate item. The schedule of values shall be
prepared in such form and supported by such data to substantiate its accuracy as
the Architect may require. This schedule, unless objected to by the Architect,
shall be used as a basis for reviewing the Contractor's Applications for
Payment.

     12.1.6 Applications for Payment shall show the percentage of completion of
each portion of the Work as of the end of the period covered by the Application
for Payment. The percentage of completion shall be the lesser of (1) the
percentage of that portion of the Work which has actually been completed; or (2)
the percentage obtained by dividing (a) the expense that has actually been
incurred by the Contractor on account of that portion of the Work for which the
Contractor has made or intends to make actual payment prior to the next
Application for Payment by (b) the share of the Guaranteed Maximum Price
allocated to that portion of the Work in the schedule of values.

     12.1.7 Subject to other provisions of the Contract Documents, the amount of
each progress payment shall be computed as follows:

          .1   take that portion of the Guaranteed Maximum Price properly
               allocable to completed Work as determined by multiplying the
               percentage of completion of each portion of the Work by the share
               of the Guaranteed Maximum Price allocated to that portion of the
               Work in the schedule of values. Pending final determination of
               cost to the Owner of changes in the Work, amounts not in dispute
               shall be included as provided in Subparagraph 7.3.8 of AIA
               Document A201-1997;

          .2   add that portion of the Guaranteed Maximum Price properly
               allocable to materials and equipment delivered and suitably
               stored at the site for subsequent incorporation in the Work, or
               if approved in advance by the Owner, suitably stored off the site
               at a location agreed upon in writing;

          .3   add the Contractor's Fee, reduce such sum by an amount for
               retainage equal to the sum of (i) the retainage provided for in
               Paragraph 12.1.8, plus (ii) ten percent (10%) of the Contractor's
               Fee. The Contractor's Fee shall be computed upon the Cost of the
               Work described in the two preceding Clauses at the rate stated in
               Subparagraph 5.1.2 or, if the Contractor's Fee is stated as a
               fixed sum in that Subparagraph, shall be an amount that bears the
               same ratio to that fixed-sum fee as the Cost of the Work in the
               two preceding Clauses bears to a reasonable estimate of the
               probable Cost of the Work upon its completion;

          .4   subtract the aggregate of previous payments made by the Owner;

          .5   subtract the shortfall, if any, indicated by the Contractor in
               the documentation required by Paragraph 12.1.4 to substantiate
               prior Applications for Payment, or resulting from errors
               subsequently discovered by the Owner's accountants in such
               documentation; and

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          .6   subtract amounts, if any, for which the Architect has withheld or
               nullified a Certificate for Payment as provided in Paragraph 9.5
               of AIA Document A201-1997.

     12.1.8 Except with the Owner's prior approval, payments to Subcontractors
shall be subject to retainage of not less than ten percent (10%). The Owner and
the Contractor shall agree upon a mutually acceptable procedure for review and
approval of payments and retention for Subcontractors. Payment in full may be
made to those Subcontractors whose work is satisfactorily completed and accepted
by the Owner and the Contractor prior to Substantial Completion.

     12.1.9 In taking action on the Contractor's Applications for Payment, the
Architect shall be entitled to rely on the accuracy and completeness of the
information furnished by the Contractor and shall not be deemed to represent
that the Architect has made a detailed examination, audit or arithmetic
verification of the documentation submitted in accordance with Subparagraph
12.1.4 or other supporting data; that the Architect has made exhaustive or
continuous on-site inspections or that the Architect has made examinations to
ascertain how or for what purposes the Contractor has used amounts previously
paid on account of the Contract. Such examinations, audits and verifications, if
required by the Owner, will be performed by the Owner's accountants acting in
the sole interest of the Owner.

     12.2 FINAL PAYMENT

     12.2.1 Final payment, constituting the entire unpaid balance of the
Contract Sum, shall be made by the Owner to the Contractor when:

          .1   the Contractor has fully performed the Contract except for the
               Contractor's responsibility to correct Work as provided in
               Subparagraph 12.2.2 of AIA Document A201-1997, and to satisfy
               other requirements, if any, which extend beyond final payment;
               and

          .2   a final Certificate for Payment has been issued by the Architect.

     12.2.2 The Owner's final payment to the Contractor shall be made no later
than 30 days after the issuance of the Architect's final Certificate for
Payment, or as follows:

     12.2.3 The Owner's accountants will review and report in writing on the
Contractor's final accounting within 30 days after delivery of the final
accounting to the Architect by the Contractor. Based upon such Cost of the Work
as the Owner's accountants report to be substantiated by the Contractor's final
accounting, and provided the other conditions of Subparagraph 12.2.1 have been
met, the Architect will, within seven days after receipt of the written report
of the Owner's accountants, either issue to the Owner a final Certificate for
Payment with a copy to the Contractor, or notify the Contractor and Owner in
writing of the Architect's reasons for withholding a certificate as provided in
Subparagraph 9.5.1 of the AIA Document A201-1997. The time periods stated in
this Subparagraph 12.2.3 supersede those stated in Subparagraph 9.4.1 of the AIA
Document A201-1997.

     12.2.4 If the owner's accountants report the Cost of the Work as
substantiated by the Contractor's final accounting to be less than claimed by
the Contractor, the Contractor shall be entitled to demand, in writing to Owner,
that the Cost of the Work be determined by a third party or other dispute
resolution mechanism. Such demand for determination by a third party or other
dispute resolution mechanism shall be made by the Contractor within 30 days
after the Contractor's receipt of a copy of the Architect's final Certificate
for Payment; failure to demand such determination by a third party or other
dispute resolution mechanism within this 30 day period shall result in the
amount reported by the Owner's accounts becoming binding on the Contractor. If
the Contractor makes such demand but the Owner and the Contractor do not agree
upon the third party or the other dispute resolution mechanism within 60 days
after the demand, the Contractor shall be entitled to commence an action in the
state court where the Project is situated to determine the Cost of Work. No such
action, or any other action by Contractor against Owner, shall be commenced more
than one year after the date of the Architect's final Certificate for Payment.

     12.2.5 If, subsequent to final payment and at the Owner's request, the
Contractor incurs costs described in Article 7 and not excluded by Article 8 to
correct defective or nonconforming Work, the Owner shall reimburse the
Contractor such costs and the Contractor's Fee applicable thereto on the same
basis as if such costs had been incurred prior to final payment, but not in
excess of the Guaranteed Maximum Price. If the Contractor has participated in
savings as provided in Paragraph 5.2, the amount of such savings shall be
recalculated and appropriate credit given to the Owner in determining the net
amount to be paid by the Owner to the Contractor.

ARTICLE 13 TERMINATION OR SUSPENSION

     13.1 The Contract may be terminated by the Contractor, or by the Owner for
convenience, as provided in Article 14 of AIA Document A201-1997. However, the
amount to be paid to the Contractor under Subparagraph 14.1.3 of AIA Document
A201-1997 shall not exceed the amount the Contractor would be entitled to
receive under Paragraph 13.2 below.

     13.2 The Contract may be terminated by the Owner for cause as provided in
Article 14 of AIA Document A201-1997. The

<PAGE>

amount, if any, to be paid to the Contractor under Subparagraph 14.2.4 of AIA
Document A201-1997 shall not cause the Guaranteed Maximum Price to be exceeded,
nor shall it exceed an amount calculated as follows:

     13.2.1 Take the Cost of the Work incurred by the Contractor to the date of
termination;

     13.2.2 Add the Contractor's Fee computed upon the Cost of the Work to the
date of termination at the rate stated in Subparagraph 5.1.2 or, if the
Contractor's Fee is stated as a fixed sum in that Subparagraph, an amount that
bears the same ratio to that fixed-sum Fee as the Cost of the Work at the time
of termination bears to a reasonable estimate of the probable Cost of the Work
upon its completion; and

     13.2.3 Subtract the aggregate of previous payments made by the Owner.

     13.3 The Owner shall also pay the Contractor fair compensation, either by
purchase or rental at the election of the Owner, for any equipment owned by the
Contractor that the Owner elects to retain and that is not otherwise included in
the Cost of the Work under Subparagraph 13.2.1. To the extent that the Owner
elects to take legal assignment of subcontracts and purchase orders (including
rental agreements), the Contractor shall, as a condition of receiving the
payments referred to in this Article 13, execute and deliver all such papers and
take all such steps, including the legal assignment of such subcontracts and
other contractual rights of the Contractor, as the Owner may require for the
purpose of fully vesting in the Owner the rights and benefits of the Contractor
under such subcontracts or purchase orders.

     13.4 The Work may be suspended by the Owner as provided in Article 14 of
AIA Document A201-1997; in such case, the Guaranteed Maximum Price and Contract
Time shall be increased as provided in Subparagraph 14.3.2 of AIA Document
A201-1997 except that the term "profit" shall be understood to mean the
Contractor's Fee as described in Subparagraphs 5.1.2 and Paragraph 6.4 of this
Agreement.

ARTICLE 14 MISCELLANEOUS PROVISIONS

     14.1 Where reference is made in this Agreement to a provision AIA Document
A201-1997 or another Contract Document, the reference refers to that provision
as amended or supplemented by other provisions of the Contract Documents.

     14.2 Payments due and unpaid under the Contract shall bear interest from
the date payment is due at the rate stated below, or in the absence thereof, at
the legal rate prevailing from time to time at the place where the Project is
located. (INSERT RATE OF INTEREST AGREED UPON, IF ANY.)

(USURY LAWS AND REQUIREMENTS UNDER THE FEDERAL TRUTH IN LENDING ACT, SIMILAR
STATE AND LOCAL CONSUMER CREDIT LAWS AND OTHER REGULATIONS AT THE OWNER'S AND
CONTRACTOR'S PRINCIPAL PLACES OF BUSINESS, THE LOCATION OF THE PROJECT AND
ELSEWHERE MAY AFFECT THE VALIDITY OF THIS PROVISION. LEGAL ADVICE SHOULD BE
OBTAINED WITH RESPECT TO DELETIONS OR MODIFICATIONS, AND ALSO REGARDING
REQUIREMENTS SUCH AS WRITTEN DISCLOSURES OR WAIVERS.)

     14.3 The Owner's representative is:

            (NAME, ADDRESS AND OTHER INFORMATION.)
            Ken Schultz
            Penn National Gaming of West Virginia
            711 Casino Magic Drive
            Bay St. Louis, MS 39520

     14.4 The Contractor's representative is:

            (NAME, ADDRESS AND OTHER INFORMATION.)
            Dennis Hilgenfeld
            Howard Shockey & Sons, Inc.
            P.O. Box 2530
            Winchester, WV 22604

     14.5 Neither the Owner's nor the Contractor's representative shall be
changed without ten days' written notice to the other party.

     14.6 Other provisions:

     14.6.1 Incentive Fee. Up to 1.5% of the cost of the work, based on the
formulated-criteria listed below.

     0.25% - Pre-construction services that bring value to the project team
     (constructability, pricing, subcontractor input, and competitiveness)
     0.25% - Maintaining an agressive, mutually acceptable construction schedule

<PAGE>

     0.25% - Project administration (effective, timely project administration
     and control of the paperwork and job changes)
     0.25% - Effective communication and coordination of construction activities
     with the existing, ongoing entertainment operations
     0.25% - Quality of the work
     0.25% - Project safety and public safety

Additionally, a line item of $50,000.00 shall be set up within Shockey's general
conditions for a key-employees' bonus fund. This is a discretionary bonus fund
that will be rolled into direct job cost on the approval of Penn National
Gaming's Vice President of Design & Construction at job's end.

ARTICLE 15 ENUMERATION OF CONTRACT DOCUMENTS

     15.1 The Contract Documents, except for Modifications issued after
execution of this Agreement, are enumerated as follows:

     15.1.1 The Agreement is this executed 1997 edition of the Standard Form of
Agreement Between Owner and Contractor, AIA Document A111-1997.

     15.1.2 The General Conditions are the 1997 edition of the General
Conditions of the Contract for Construction, AIA Document A201-1997, as amended
by the parties, and attached hereto as Exhibit "A".

     15.1.3 The Supplementary and other Conditions of the Contract are those
contained in the Project Manual dated , and are as follows:

     Document                           Title                             Pages

     15.1.4 The Specifications are those contained in the Project Manual dated
as in Subparagraph 15.1.3, and are as follows:

     (EITHER LIST THE SPECIFICATIONS HERE OR REFER TO AN EXHIBIT ATTACHED TO
     THIS AGREEMENT.)

     Section                             Title                            Pages

     15.1.5 The Drawings are as follows, and are dated unless a different date
is shown below:

     (EITHER LIST THE DRAWINGS HERE OR REFER TO AN EXHIBIT ATTACHED TO THIS
     AGREEMENT.)

     Number                              Title                            Date

     15.1.6 The Addenda, if any, are as follows:

     Number                              Date                             Pages

     Portions of Addenda relating to bidding requirements are not part of the
     Contract Documents unless the bidding requirements are also enumerated in
     this Article 15.

     15.1.7 Other Documents, if any, forming part of the Contract Documents are
as follows:

     (List here any additional documents, such as a list of alternates that are
     intended to form part of the Contract Documents. AIA Document A201-1997
     provides that bidding requirements such as advertisement or invitation to
     bid, Instructions to Bidders, sample forms and the Contractor's bid are not
     part of the Contract Documents unless enumerated in this Agreement. They
     should be listed here only if intended to be part of the Contract
     Documents.)

ARTICLE 16 INSURANCE AND BONDS

     (LIST REQUIRED LIMITS OF LIABILITY FOR INSURANCE AND BONDS. AIA DOCUMENT
     A201-1997 GIVES OTHER SPECIFIC REQUIREMENTS FOR INSURANCE AND BONDS.)

This Agreement is entered into as of the day and year first written above and is
executed in at least three original copies, of which one is to be delivered to
the Contractor, one to the Architect for use in the administration of the
Contract, and the remainder to the Owner.

----------------------------                ----------------------------------
OWNER (SIGNATURE)                           CONTRACTOR (SIGNATURE)

----------------------------                -----------------------------------
(PRINTED NAME AND TITLE)                    (PRINTED NAME AND TITLE)

<PAGE>

               GENERAL CONDITIONS OF THE CONTRACT FOR CONSTRUCTION

                            AIA DOCUMENT A201 - 1997
                        1997 EDITION - ELECTRONIC FORMAT

-------------------------------------------------------------------------------

This document has important legal consequences. Consultation with an attorney is
encouraged with respect to its completion or modification. AUTHENTICATION OF
THIS ELECTRONICALLY DRAFTED AIA DOCUMENT MAY BE MADE BY USING AIA DOCUMENT D401.

This document is not intended for use in competitive bidding.

AIA Document A201-1997, General Conditions of the Contract for Construction, is
adopted in this document by reference.

This document has been approved and endorsed by The Associated General
Contractors of America.

Copyright 1911, 1915, 1918, 1925, 1937, 1951, 1958, 1961, 1963, 1966, 1967,
1970, 1976, 1987, (C) 1997 by The American Institute of Architects. Fifteenth
Edition. Reproduction of the material herein or substantial quotation of its
provisions without written permission of the AIA violates the copyright laws of
the United States and will subject the violator to legal prosecution.

------------------------------------------------------------------------------

TABLE OF ARTICLES

1. GENERAL PROVISIONS

2. OWNER

3. CONTRACTOR

4. ADMINISTRATION OF THE CONTRACT

5. SUBCONTRACTORS

6. CONSTRUCTION BY OWNER OR BY SEPARATE CONTRACTORS

7. CHANGES IN THE WORK

8. TIME

9. PAYMENTS AND COMPLETION

10. PROTECTION OF PERSONS AND PROPERTY

11. INSURANCE AND BONDS

12. UNCOVERING AND CORRECTION OF WORK

13. MISCELLANEOUS PROVISIONS

14. TERMINATION OR SUSPENSION OF THE CONTRACT

<PAGE>

  INDEX
  Acceptance of Nonconforming Work
     9.6.6, 9.9.3, 12.3
  Acceptance of Work
     9.6.6, 9.8.2, 9.9.3, 9.10.1, 9.10.3, 12.3
  Access to Work
     3.16, 6.2.1, 12.1
  Accident Prevention
     4.2.3, 10
  Acts and Omissions
     3.2, 3.3.2, 3.12.8, 3.18, 4.2.3, 4.3.8. 4.4.1, 8.3.1, 9.5.1,
     10.2.5, 13.4.2, 13.7, 14.1
  Addenda
     1.1.1, 3.11
  Additional Costs, Claims for
     4.3.4, 4.3.5, 4.3.6, 6.1.1, 10.3
  Additional Inspections and Testing
     9.8.3, 12.2.1, 13.5
  Additional Time, Claims for
     4.3.4, 4.3.7, 8.3.2
  ADMINISTRATION OF THE CONTRACT
     3.1.3, 4, 9.4, 9.5
  Advertisement or Invitation to Bid
     1.1.1
  Aesthetic Effect
     4.2.13, 4.5.1
  Allowances
     3.8
  All-risk Insurance
     11.4.1.1
  Applications for Payment
     4.2.5, 7.3.8, 9.2, 9.3, 9.4, 9.5.1, 9.6.3, 9.7.1, 9.8.5, 9.10,
     11.1.3, 14.2.4, 14.4.3
  Approvals
     2.4, 3.1.3, 3.5, 3.10.2, 3.12, 4.2.7, 9.3.2, 13.4.2, 13.5
  Arbitration
     4.3.3, 4.4, 4.5.1, 4.5.2, 4.6, 8.3.1, 9.7.1, 11.4.9, 11.4.10
  Architect
     4.1
  Architect, Definition of
     4.1.1
  Architect, Extent of Authority
     2.4, 3.12.7, 4.2, 4.3.6, 4.4, 5.2, 6.3, 7.1.2, 7.3.6, 7.4, 9.2, 9.3.1, 9.4,
     9.5, 9.8.3, 9.10.1, 9.10.3, 12.1, 12.2.1, 13.5.1, 13.5.2, 14.2.2, 14.2.4
  Architect, Limitations of Authority and Responsibility
     2.1.1, 3.3.3, 3.12.4, 3.12.8, 3.12.10, 4.1.2, 4.2.1, 4.2.2, 4.2.3, 4.2.6,
     4.2.7, 4.2.10, 4.2.12, 4.2.13, 4.4, 5.2.1, 7.4, 9.4.2, 9.6.4, 9.6.6
  Architect's Additional Services and Expenses
     2.4, 11.4.1.1, 12.2.1, 13.5.2, 13.5.3, 14.2.4
  Architect's Administration of the Contract
     3.1.3, 4.2, 4.3.4, 4.4, 9.4, 9.5
  Architect's Approvals
     2.4, 3.1.3, 3.5.1, 3.10.2, 4.2.7
  Architect's Authority to Reject Work
     3.5.1, 4.2.6, 12.1.2, 12.2.1
  Architect's Copyright
     1.6
  Architect's Decisions
     4.2.6, 4.2.7, 4.2.11, 4.2.12, 4.2.13, 4.3.4, 4.4.1, 4.4.5,
     4.4.6, 4.5, 6.3, 7.3.6, 7.3.8, 8.1.3, 8.3.1, 9.2, 9.4, 9.5.1, 9.8.4, 9.9.1,
     13.5.2, 14.2.2, 14.2.4
  Architect's Inspections
     4.2.2, 4.2.9, 4.3.4, 9.4.2, 9.8.3, 9.9.2, 9.10.1, 13.5
  Architect's Instructions
     3.2.3, 3.3.1, 4.2.6, 4.2.7, 4.2.8, 7.4.1, 12.1, 13.5.2
  Architect's Interpretations
     4.2.11, 4.2.12, 4.3.6
  Architect's Project Representative
     4.2.10
  Architect's Relationship with Contractor
     1.1.2, 1.6, 3.1.3, 3.2.1, 3.2.2, 3.2.3, 3.3.1, 3.4.2, 3.5.1, 3.7.3, 3.10,
     3.11, 3.12, 3.16, 3.18, 4.1.2, 4.1.3, 4.2, 4.3.4, 4.4.1, 4.4.7, 5.2, 6.2.2,
     7, 8.3.1, 9.2, 9.3, 9.4, 9.5, 9.7, 9.8, 9.9, 10.2.6, 10.3, 11.3, 11.4.7,
     12, 13.4.2, 13.5
  Architect's Relationship with Subcontractors
     1.1.2, 4.2.3, 4.2.4, 4.2.6, 9.6.3, 9.6.4, 11.4.7
  Architect's Representations
     9.4.2, 9.5.1, 9.10.1
  Architect's Site Visits
     4.2.2, 4.2.5, 4.2.9, 4.3.4, 9.4.2, 9.5.1, 9.9.2, 9.10.1, 13.5
  Asbestos
     10.3.1
  Attorneys' Fees
     3.18.1, 9.10.2, 10.3.3
  Award of Separate Contracts
     6.1.1, 6.1.2
  Award of Subcontracts and Other Contracts for Portions of the Work
     5.2
  Basic Definitions
     1.1
  Bidding Requirements
     1.1.1, 1.1.7, 5.2.1, 11.5.1
  Boiler and Machinery Insurance
     11.4.2
  Bonds, Lien
     9.10.2
  Bonds, Performance, and Payment
     7.3.6.4, 9.6.7, 9.10.3, 11.4.9, 11.5
  Building Permit
     3.7.1
  Capitalization
     1.3
  Certificate of Substantial Completion
     9.8.3, 9.8.4, 9.8.5
  Certificates for Payment
     4.2.5, 4.2.9, 9.3.3, 9.4, 9.5, 9.6.1, 9.6.6, 9.7.1, 9.10.1,
     9.10.3, 13.7, 14.1.1.3, 14.2.4
  Certificates of Inspection, Testing or Approval
     13.5.4

<PAGE>

  Certificates of Insurance
     9.10.2, 11.1.3
  Change Orders
     1.1.1, 2.4.1, 3.4.2, 3.8.2.3, 3.11.1, 3.12.8, 4.2.8, 4.3.4, 4.3.9, 5.2.3,
     7.1, 7.2, 7.3, 8.3.1, 9.3.1.1, 9.10.3, 11.4.1.2, 11.4.4, 11.4.9, 12.1.2
  Change Orders, Definition of
     7.2.1
  CHANGES IN THE WORK
     3.11, 4.2.8, 7, 8.3.1, 9.3.1.1, 11.4.9
  Claim, Definition of
     4.3.1
  Claims and Disputes
     3.2.3, 4.3, 4.4, 4.5, 4.6, 6.1.1, 6.3, 7.3.8, 9.3.3, 9.10.4,
     10.3.3
  Claims and Timely Assertion of Claims
     4.6.5
  Claims for Additional Cost
     3.2.3, 4.3.4, 4.3.5, 4.3.6, 6.1.1, 7.3.8, 10.3.2
  Claims for Additional Time
     3.2.3, 4.3.4, 4.3.7, 6.1.1, 8.3.2, 10.3.2
  Claims for Concealed or Unknown Conditions
     4.3.4
  Claims for Damages
     3.2.3, 3.18, 4.3.10, 6.1.1, 8.3.3, 9.5.1, 9.6.7, 10.3.3,
     11.1.1, 11.4.5, 11.4.7, 14.1.3, 14.2.4
  Claims Subject to Arbitration
     4.4.1, 4.5.1, 4.6.1
  Cleaning Up
     3.15, 6.3
  Commencement of Statutory Limitation Period
     13.7
  Commencement of the Work, Conditions Relating to
     2.2.1, 3.2.1, 3.4.1, 3.7.1, 3.10.1, 3.12.6, 4.3.5, 5.2.1, 5.2.3, 6.2.2,
     8.1.2, 8.2.2, 8.3.1, 11.1, 11.4.1, 11.4.6, 11.5.1
  Commencement of the Work, Definition of
     8.1.2
  Communications Facilitating Contract Administration
     3.9.1, 4.2.4
  Completion, Conditions Relating to
     1.6.1, 3.4.1, 3.11, 3.15, 4.2.2, 4.2.9, 8.2, 9.4.2, 9.8, 9.9.1, 9.10, 12.2,
     13.7, 14.1.2
  COMPLETION, PAYMENTS AND
     9
  Completion, Substantial
     4.2.9, 8.1.1, 8.1.3, 8.2.3, 9.4.2, 9.8, 9.9.1, 9.10.3, 9.10.4.2,
     12.2, 13.7
  Compliance with Laws
     1.6.1, 3.2.2, 3.6, 3.7, 3.12.10, 3.13,
     4.1.1, 4.4.8, 4.6.4, 4.6.6, 9.6.4, 10.2.2, 11.1, 11.4, 13.1, 13.4, 13.5.1,
     13.5.2, 13.6, 14.1.1, 14.2.1.3
  Concealed or Unknown Conditions
     4.3.4, 8.3.1, 10.3
  Conditions of the Contract
     1.1.1, 1.1.7, 6.1.1, 6.1.4
  Consent, Written
     1.6, 3.4.2, 3.12.8, 3.14.2, 4.1.2, 4.3.4, 4.6.4, 9.3.2, 9.8.5, 9.9.1,
     9.10.2, 9.10.3, 11.4.1, 13.2, 13.4.2
  CONSTRUCTION BY OWNER OR BY SEPARATE CONTRACTORS
     1.1.4, 6
  Construction Change Directive, Definition of
     7.3.1
  Construction Change Directives
     1.1.1, 3.12.8, 4.2.8, 4.3.9, 7.1, 7.3, 9.3.1.1
  Construction Schedules, Contractor's
     1.4.1.2, 3.10, 3.12.1, 3.12.2, 4.3.7.2, 6.1.3
  Contingent Assignment of Subcontracts
     5.4, 14.2.2.2
  Continuing Contract Performance
     4.3.3
  Contract, Definition of
     1.1.2
  CONTRACT, TERMINATION OR SUSPENSION OF THE
     5.4,1.1, 11.4.9, 14
  Contract Administration
     3.1.3, 4, 9.4, 9.5
  Contract Award and Execution, Conditions Relating to
     3.7.1, 3.10, 5.2, 6.1, 11.1.3, 11.4.6, 11.5.1
  Contract Documents, The
     1.1, 1.2
  Contract Documents, Copies Furnished and Use of
     1.6, 2.2.5, 5.3
  Contract Documents, Definition of
     1.1.1
  Contract Sum
     3.8, 4.3.4, 4.3.5, 4.4.5, 5.2.3, 7.2, 7.3, 7.4, 9.1, 9.4.2, 9.5.1.4, 9.6.7,
     9.7, 10.3.2, 11.4.1, 14.2.4, 14.3.2
  Contract Sum, Definition of
     9.1
  Contract Time
     4.3.4, 4.3.7, 4.4.5, 5.2.3, 7.2.1.3, 7.3, 7.4, 8.1.1, 8.2, 8.3.1, 9.5.1,
     9.7, 10.3.2, 12.1.1, 14.3.2
  Contract Time, Definition of
     8.1.1
  CONTRACTOR
     3
  Contractor, Definition of
     3.1, 6.1.2
  Contractor's Construction Schedules
     1.4.1.2, 3.10, 3.12.1, 3.12.2, 4.3.7.2, 6.1.3
  Contractor's Employees
     3.3.2, 3.4.3, 3.8.1, 3.9, 3.18.2, 4.2.3, 4.2.6, 10.2, 10.3,
     11.1.1, 11.4.7, 14.1, 14.2.1.1
  Contractor's Liability Insurance
     11.1
  Contractor's Relationship with Separate Contractors and Owner's Forces
     3.12.5, 3.14.2, 4.2.4, 6, 11.4.7, 12.1.2. 12.2.4
  Contractor's Relationship with Subcontractors
     1.2.2, 3.3.2, 3.18.1, 3.18.2, 5, 9.6.2, 9.6.7, 9.10.2, 11.4.1.2, 11.4.7,
     11.4.8
  Contractor's Relationship with the Architect
     1.1.2, 1.6, 3.1.3, 3.2.1, 3.2.2, 3.2.3, 3.3.1, 3.4.2, 3.5.1, 3.7.3, 3.10,
     3.11, 3.12, 3.16, 3.18, 4.1.2, 4.1.3, 4.2, 4.3.4,

<PAGE>

     4.4.1, 4.4.7, 5.2, 6.2.2, 7, 8.3.1, 9.2, 9.3, 9.4, 9.5, 9.7, 9.8, 9.9,
     10.2.6, 10.3, 11.3, 11.4.7, 12, 13.4.2, 13.5
  Contractor's Representations
     1.5.2, 3.5.1, 3.12.6, 6.2.2, 8.2.1, 9.3.3, 9.8.2
  Contractor's Responsibility for Those Performing the Work
     3.3.2, 3.18, 4.2.3, 4.3.8, 5.3.1, 6.1.3, 6.2, 6.3, 9.5.1, 10
  Contractor's Review of Contract Documents
     1.5.2, 3.2, 3.7.3
  Contractor's Right to Stop the Work
     9.7
  Contractor's Right to Terminate the Contract
     4.3.10, 14.1
  Contractor's Submittals
     3.10, 3.11, 3.12, 4.2.7, 5.2.1, 5.2.3, 7.3.6, 9.2, 9.3, 9.8.2, 9.8.3,
     9.9.1, 9.10.2, 9.10.3, 11.1.3, 11.5.2
  Contractor's Superintendent
     3.9, 10.2.6
  Contractor's Supervision and Construction Procedures
     1.2.2, 3.3, 3.4, 3.12.10, 4.2.2, 4.2.7, 4.3.3, 6.1.3, 6.2.4, 7.1.3, 7.3.4,
     7.3.6, 8.2, 10, 12, 14
  Contractual Liability Insurance
     11.1.1.8, 11.2, 11.3
  Coordination and Correlation
     1.2, 1.5.2, 3.3.1, 3.10, 3.12.6, 6.1.3, 6.2.1
  Copies Furnished of Drawings and Specifications
     1.6, 2.2.5, 3.11
  Copyrights
     1.6, 3.17
  Correction of Work
     2.3, 2.4, 3.7.4, 4.2.1, 9.4.2, 9.8.2, 9.8.3, 9.9.1, 12.1.2, 12.2, 13.7.1.3
  Correlation and Intent of the Contract Documents
     1.2
  Cost, Definition of
     7.3.6
  Costs
     2.4, 3.2.3, 3.7.4, 3.8.2, 3.15.2, 4.3, 5.4.2, 6.1.1, 6.2.3, 7.3.3.3, 7.3.6,
     7.3.7, 7.3.8, 9.10.2, 10.3.2, 10.5, 11.3, 11.4, 12.1, 12.2.1, 12.2.4, 13.5,
     14
  Cutting and Patching
     6.2.5, 3.14
  Damage to Construction of Owner or Separate Contractors
     3.14.2, 6.2.4, 9.2.1.5, 10.2.1.2, 10.2.5, 10.6, 11.1, 11.4, 12.2.4
  Damage to the Work
     3.14.2, 9.9.1, 10.2.1.2, 10.2.5, 10.6, 11.4, 12.2.4
  Damages, Claims for
     3.2.3, 3.18, 4.3.10, 6.1.1, 8.3.3, 9.5.1, 9.6.7, 10.3.3, 11.1.1, 11.4.5,
     11.4.7, 14.1.3, 14.2.4
  Damages for Delay
     6.1.1, 8.3.3, 9.5.1.6, 9.7, 10.3.2
  Date of Commencement of the Work, Definition of
     8.1.2
  Date of Substantial Completion, Definition of
     8.1.3
  Day, Definition of
     8.1.4
  Decisions of the Architect
     4.2.6, 4.2.7, 4.2.11, 4.2.12, 4.2.13, 4.3.4, 4.4.1, 4.4.5, 4.4.6, 4.5, 6.3,
     7.3.6, 7.3.8, 8.1.3, 8.3.1, 9.2, 9.4, 9.5.1, 9.8.4, 9.9.1, 13.5.2, 14.2.2,
     14.2.4
  Decisions to Withhold Certification
     9.4.1, 9.5, 9.7, 14.1.1.3
  Defective or Nonconforming Work, Acceptance, Rejection and Correction of
     2.3, 2.4, 3.5.1, 4.2.6, 6.2.5, 9.5.1, 9.5.2, 9.6.6, 9.8.2, 9.9.3, 9.10.4,
     12.2.1, 13.7.1.3
  Defective Work, Definition of
     3.5.1
  Definitions
     1.1, 2.1.1, 3.1, 3.5.1, 3.12.1, 3.12.2, 3.12.3, 4.1.1, 4.3.1, 5.1, 6.1.2,
     7.2.1, 7.3.1, 7.3.6, 8.1, 9.1, 9.8.1
  Delays and Extensions of Time
     3.2.3, 4.3.1, 4.3.4, 4.3.7, 4.4.5, 5.2.3, 7.2.1, 7.3.1, 7.4.1, 7.5.1, 8.3,
     9.5.1, 9.7.1, 10.3.2, 10.6.1, 14.3.2
  Disputes
     4.1.4, 4.3, 4.4, 4.5, 4.6, 6.3, 7.3.8
  Documents and Samples at the Site
     3.11
  Drawings, Definition of
     1.1.5
  Drawings and Specifications, Use and Ownership of
     1.1.1, 1.3, 2.2.5, 3.11, 5.3
  Effective Date of Insurance
     8.2.2, 11.1.2
  Emergencies
     4.3.5, 10.6, 14.1.1.2
  Employees, Contractor's
     3.3.2, 3.4.3, 3.8.1, 3.9, 3.18.2, 4.2.3, 4.2.6, 10.2, 10.3, 11.1.1, 11.4.7,
     14.1, 14.2.1.1
  Equipment, Labor, Materials and
     1.1.3, 1.1.6, 3.4, 3.5.1, 3.8.2, 3.8.3, 3.12, 3.13, 3.15.1, 4.2.6, 4.2.7,
     5.2.1, 6.2.1, 7.3.6, 9.3.2, 9.3.3, 9.5.1.3, 9.10.2, 10.2.1, 10.2.4,
     14.2.1.2
  Execution and Progress of the Work
     1.1.3, 1.2.1, 1.2.2, 2.2.3, 2.2.5, 3.1, 3.3, 3.4, 3.5, 3.7, 3.10, 3.12,
     3.14, 4.2.2, 4.2.3, 4.3.3, 6.2.2, 7.1.3, 7.3.4, 8.2, 9.5, 9.9.1, 10.2,
     10.3, 12.2, 14.2, 14.3
  Extensions of Time
     3.2.3, 4.3.1, 4.3.4, 4.3.7, 4.4.5, 5.2.3, 7.2.1, 7.3, 7.4.1,
     9.5.1, 9.7.1, 10.3.2, 10.6.1, 14.3.2
  Failure of Payment
     4.3.6, 9.5.1.3, 9.7, 9.10.2, 14.1.1.3, 14.2.1.2, 13.6
  Faulty Work
     (See Defective or Nonconforming Work)
  Final Completion and Final Payment
     4.2.1, 4.2.9, 4.3.2, 9.8.2, 9.10, 11.1.2, 11.1.3, 11.4.1, 11.4.5, 12.3.1,
     13.7, 14.2.4, 14.4.3
  Financial Arrangements, Owner's
     2.2.1, 13.2.2, 14.1.1.5
  Fire and Extended Coverage Insurance
     11.4
  GENERAL PROVISIONS
     1
  Governing Law
     13.1

<PAGE>

  Guarantees (See Warranty)
  Hazardous Materials
     10.2.4, 10.3, 10.5
  Identification of Contract Documents
     1.5.1
  Identification of Subcontractors and Suppliers
     5.2.1
  Indemnification
     3.17, 3.18, 9.10.2, 10.3.3, 10.5, 11.4.1.2, 11.4.7
  Information and Services Required of the Owner
     2.1.2, 2.2, 3.2.1, 3.12.4, 3.12.10, 4.2.7, 4.3.3, 6.1.3, 6.1.4, 6.2.5,
     9.3.2, 9.6.1, 9.6.4, 9.9.2, 9.10.3, 10.3.3, 11.2, 11.4, 13.5.1, 13.5.2,
     14.1.1.4, 14.1.4
  Injury or Damage to Person or Property
     4.3.8, 10.2, 10.6
  Inspections
     3.1.3, 3.3.3, 3.7.1, 4.2.2, 4.2.6, 4.2.9, 9.4.2, 9.8.2, 9.8.3,
     9.9.2, 9.10.1, 12.2.1, 13.5
  Instructions to Bidders
     1.1.1
  Instructions to the Contractor
     3.2.3, 3.3.1, 3.8.1, 4.2.8, 5.2.1, 7, 12, 8.2.2, 13.5.2
  Insurance
     3.18.1, 6.1.1, 7.3.6, 8.2.1, 9.3.2, 9.8.4, 9.9.1, 9.10.2, 9.10.5, 11
  Insurance, Boiler and Machinery
     11.4.2
  Insurance, Contractor's Liability
     11.1
  Insurance, Effective Date of
     8.2.2, 11.1.2
  Insurance, Loss of Use
     11.4.3
  Insurance, Owner's Liability
     11.2
  Insurance, Project Management Protective Liability
     11.3
  Insurance, Property
     10.2.5, 11.4
  Insurance, Stored Materials
     9.3.2, 11.4.1.4
  INSURANCE AND BONDS
     11
  Insurance Companies, Consent to Partial Occupancy
     9.9.1, 11.4.1.5
  Insurance Companies, Settlement with
     11.4.10
  Intent of the Contract Documents
     1.2.1, 4.2.7, 4.2.12, 4.2.13, 7.4
  Interest
     13.6
  Interpretation
     1.2.3, 1.4, 4.1.1, 4.3.1, 5.1, 6.1.2, 8.1.4
  Interpretations, Written
     4.2.11, 4.2.12, 4.3.6
  Joinder and Consolidation of Claims Required
     4.6.4
  Judgment on Final Award
     4.6.6
  Labor and Materials, Equipment
     1.1.3, 1.1.6, 3.4, 3.5.1, 3.8.2, 3.8.3, 3.12, 3.13, 3.15.1, 4.2.6, 4.2.7,
     5.2.1, 6.2.1, 7.3.6, 9.3.2, 9.3.3, 9.5.1.3, 9.10.2, 10.2.1, 10.2.4,
     14.2.1.2
  Labor Disputes
     8.3.1
  Laws and Regulations
     1.6, 3.2.2, 3.6, 3.7, 3.12.10, 3.13, 4.1.1, 4.4.8, 4.6, 9.6.4, 9.9.1,
     10.2.2, 11.1, 11.4, 13.1, 13.4, 13.5.1, 13.5.2, 13.6, 14
  Liens
     2.1.2, 4.4.8, 8.2.2, 9.3.3, 9.10
  Limitation on Consolidation or Joinder
     4.6.4
  Limitations, Statutes of
     4.6.3, 12.2.6, 13.7
  Limitations of Liability
     2.3, 3.2.1, 3.5.1, 3.7.3, 3.12.8, 3.12.10, 3.17, 3.18, 4.2.6,
     4.2.7, 4.2.12, 6.2.2, 9.4.2, 9.6.4, 9.6.7, 9.10.4, 10.3.3, 10.2.5, 11.1.2,
     11.2.1, 11.4.7, 12.2.5, 13.4.2
  Limitations of Time
     2.1.2, 2.2, 2.4, 3.2.1, 3.7.3, 3.10, 3.11, 3.12.5, 3.15.1, 4.2.7, 4.3, 4.4,
     4.5, 4.6, 5.2, 5.3, 5.4, 6.2.4, 7.3, 7.4, 8.2, 9.2, 9.3.1, 9.3.3, 9.4.1,
     9.5, 9.6, 9.7, 9.8, 9.9, 9.10, 11.1.3, 11.4.1.5, 11.4.6, 11.4.10, 12.2,
     13.5, 13.7, 14
  Loss of Use Insurance
     11.4.3
  Material Suppliers
     1.6, 3.12.1, 4.2.4, 4.2.6, 5.2.1, 9.3, 9.4.2, 9.6, 9.10.5
  Materials, Hazardous
     10.2.4, 10.3, 10.5
  Materials, Labor, Equipment
     1.1.3,  1.1.6,  1.6.1, 3.4, 3.5.1,  3.8.2,  3.8.23,  3.12, 3.13, 3.15.1,
     4.2.6,  4.2.7,  5.2.1, 6.2.1, 7.3.6., 9.3.2, 9.3.3, 9.5.1.3, 9.10.2,
     10.2.1, 10.2.4, 14.2.1.2
  Means, Methods, Techniques, Sequences and Procedures of
  Construction
     3.3.1, 3.12.10, 4.2.2, 4.2.7, 9.4.2
  Mechanic's Lien
     4.4.8
  Mediation
     4.4.1, 4.4.5, 4.4.6, 4.4.8, 4.5, 4.6.1, 4.6.2, 8.3.1, 10.5
  Minor Changes in the Work
     1.1.1, 3.12.8, 4.2.8, 4.3.6, 7.1, 7.4
  MISCELLANEOUS PROVISIONS
     13
  Modifications, Definition of
     1.1.1
  Modifications to the Contract
     1.1.1, 1.1.2, 3.7.3, 3.11, 4.1.2, 4.2.1, 5.2.3, 7, 8.3.1, 9.7,
     10.3.2, 11.4.1
  Mutual Responsibility
     6.2
  Nonconforming Work, Acceptance of
     9.6.6, 9.9.3, 12.3
  Nonconforming Work, Rejection and Correction of

<PAGE>

     2.3, 2.4, 3.5.1, 4.2.6, 6.2.5, 9.5.1, 9.8.2, 9.9.3, 9.10.4, 12.2.1,
     13.7.1.3
  Notice
     2.2.1, 2.3, 2.4, 3.2.3, 3.3.1, 3.7.2, 3.7.4, 3.12.9, 4.3, 4.4.8, 4.6.5,
     5.2.1, 8.2.2, 9.7, 9.10, 10.2.2, 11.1.3, 11.4.6, 12.2.2, 12.2.4, 13.3,
     13.5.1, 13.5.2, 14.1, 14.2
  Notice, Written
     2.3, 2.4, 3.3.1, 3.9, 3.12.9, 3.12.10, 4.3, 4.4.8, 4.6.5, 5.2.1, 8.2.2,
     9.7, 9.10, 10.2.2, 10.3, 11.1.3, 11.4.6, 12.2.2, 12.2.4, 13.3, 14
  Notice of Testing and Inspections
     13.5.1, 13.5.2
  Notice to Proceed
     8.2.2
  Notices, Permits, Fees and
     2.2.2, 3.7, 3.13, 7.3.6.4, 10.2.2
  Observations, Contractor's
     1.5.2, 3.2, 3.7.3, 4.3.4
  Occupancy
     2.2.2, 9.6.6, 9.8, 11.4.1.5
  Orders, Written
     1.1.1, 2.3, 3.9, 4.3.6, 7, 8.2.2, 11.4.9, 12.1, 12.2, 13.5.2, 14.3.1
  OWNER
     2
  Owner, Definition of
     2.1
  Owner, Information and Services Required for
     2.1.2, 2.2, 3.2.1, 3.12.4, 3.12.10, 4.2.7, 4.3.3, 6.1.3, 6.1.4,
     6.2.5, 9.3.2, 9.6.1, 9.6.4, 9.9.2, 9.10.3, 10.3.3, 11.2, 11.4, 13.5.1,
     13.5.2, 14.1.1.4, 14.1.4
  Owner's Authority
     1.6, 2.1.1, 2.3, 2.4, 3.4.2, 3.8.1, 3.12.10, 3.14.2, 4.1.2, 4.1.3, 4.2.4,
     4.2.9, 4.3.6, 4.4.7, 5.2.1, 5.2.4, 5.4.1, 6.1, 6.3, 7.2.1, 7.3.1, 8.2.2,
     8.3.1, 9.3.1, 9.3.2, 9.5.1, 9.9.1, 9.10.2, 10.3.2, 11.1.3, 11.3.1, 11.4.3,
     11.4.10, 12.2.2, 12.3.1, 13.2.2, 14.3, 14.4
  Financial Capability
     2.2.1, 13.2.2, 14.1.1.5
  Owner's Liability Insurance
     11.2
  Owner's Loss of Use Insurance
     11.4.3
  Owner's Relationship with Subcontractors
     1.1.2, 5.2, 5.3, 5.4, 9.6.4, 9.10.2, 14.2.2
  Owner's Right to Carry Out the Work
     2.4, 12.2.4. 14.2.2.2
  Owner's Right to Clean Up
     6.3
  Owner's Right to Perform Construction and to Award Separate Contracts
     6.1
  Owner's Right to Stop the Work
     2.3
  Owner's Right to Suspend the Work
     14.3
  Owner's Right to Terminate the Contract
     14.2
  Ownership and Use of Drawings, Specifications and Other
  Instruments of Service
     1.1.1, 1.6, 2.2.5, 3.2.1, 3.11.1, 3.17.1, 4.2.12, 5.3
  Partial Occupancy or Use
     9.6.6, 9.9, 11.4.1.5
  Patching, Cutting and
     3.14, 6.2.5
  Patents
     3.17
  Payment, Applications for
     4.2.5, 7.3.8, 9.2, 9.3, 9.4, 9.5.1, 9.6.3, 9.7.1, 9.8.5, 9.10.1, 9.10.3,
     9.10.5, 11.1.3, 14.2.4, 14.4.3
  Payment, Certificates for
     4.2.5, 4.2.9, 9.3.3, 9.4, 9.5, 9.6.1, 9.6.6, 9.7.1, 9.10.1, 9.10.3, 13.7,
     14.1.1.3, 14.2.4
  Payment, Failure of
     4.3.6, 9.5.1.3, 9.7, 9.10.2, 14.1.1.3, 14.2.1.2, 13.6
  Payment, Final
     4.2.1, 4.2.9, 4.3.2, 9.8.2, 9.10, 11.1.2, 11.1.3, 11.4.1, 11.4.5, 12.3.1,
     13.7, 14.2.4, 14.4.3
  Payment Bond, Performance Bond and
     7.3.6.4, 9.6.7, 9.10.3, 11.4.9, 11.5
  Payments, Progress
     4.3.3, 9.3, 9.6, 9.8.5, 9.10.3, 13.6, 14.2.3
  PAYMENTS AND COMPLETION
     9
  Payments to Subcontractors
     5.4.2, 9.5.1.3, 9.6.2, 9.6.3, 9.6.4, 9.6.7, 11.4.8, 14.2.1.2
  PCB
     10.3.1
  Performance Bond and Payment Bond
     7.3.6.4, 9.6.7, 9.10.3, 11.4.9, 11.5
  Permits, Fees and Notices
     2.2.2, 3.7, 3.13, 7.3.6.4, 10.2.2
  PERSONS AND PROPERTY, PROTECTION OF
     10
  Polychlorinated Biphenyl
     10.3.1
  Product Data, Definition of
     3.12.2
  Product Data and Samples, Shop Drawings
     3.11, 3.12, 4.2.7
  Progress and Completion
     4.2.2, 4.3.3, 8.2, 9.8, 9.9.1, 14.1.4
  Progress Payments
     4.3.3, 9.3, 9.6, 9.8.5, 9.10.3, 13.6, 14.2.3
  Project, Definition of the
     1.1.4
  Project Management Protective Liability Insurance
     11.3
  Project Manual, Definition of the
     1.1.7
  Project Manuals
     2.2.5
  Project Representatives
     4.2.10
  Property Insurance
     10.2.5, 11.4

<PAGE>

  PROTECTION OF PERSONS AND PROPERTY
     10
  Regulations and Laws
     1.6, 3.2.2, 3.6, 3.7, 3.12.10, 3.13, 4.1.1, 4.4.8, 4.6, 9.6.4, 9.9.1,
     10.2.2, 11.1, 11.4, 13.1, 13.4, 13.5.1, 13.5.2, 13.6, 14
  Rejection of Work
     3.5.1, 4.2.6, 12.2.1
  Releases and Waivers of Liens
     9.10.2
  Representations
     1.5.2, 3.5.1, 3.12.6, 6.2.2, 8.2.1, 9.3.3, 9.4.2, 9.5.1, 9.8.2,
     9.10.1
  Representatives
     2.1.1, 3.1.1, 3.9, 4.1.1, 4.2.1, 4.2.10, 5.1.1, 5.1.2, 13.2.1
  Resolution of Claims and Disputes
     4.4, 4.5, 4.6
  Responsibility for Those Performing the Work
     3.3.2, 3.18, 4.2.3, 4.3.8, 5.3.1, 6.1.3, 6.2, 6.3, 9.5.1, 10
  Retainage
     9.3.1, 9.6.2, 9.8.5, 9.9.1, 9.10.2, 9.10.3
  Review of Contract Documents and Field Conditions by Contractor
     1.5.2, 3.2, 3.7.3, 3.12.7, 6.1.3
  Review of Contractor's Submittals by Owner and Architect
     3.10.1, 3.10.2, 3.11, 3.12, 4.2, 5.2, 6.1.3, 9.2, 9.8.2
  Review of Shop Drawings, Product Data and Samples by Contractor
     3.12
  Rights and Remedies
     1.1.2, 2.3, 2.4, 3.5.1, 3.15.2, 4.2.6, 4.3.4, 4.5, 4.6, 5.3, 5.4, 6.1, 6.3,
     7.3.1, 8.3, 9.5.1, 9.7, 10.2.5, 10.3, 12.2.2, 12.2.4, 13.4, 14
  Royalties, Patents and Copyrights
     3.17
  Rules and Notices for Arbitration
     4.6.2
  Safety of Persons and Property
     10.2, 10.6
  Safety Precautions and Programs
     3.3.1, 4.2.2, 4.2.7, 5.3.1, 10.1, 10.2, 10.6
  Samples, Definition of
     3.12.3
  Samples, Shop Drawings, Product Data and
     3.1.1, 3.12, 4.2.7
  Samples at the Site, Documents and
     3.11
  Schedule of Values
     9.2, 9.3.1
  Schedules, Construction
     1.4.1.2, 3.10, 3.12.1, 3.12.2, 4.3.7.2, 6.1.3
  Separate Contracts and Contractors
     1.1.4, 3.12.5, 3.14.2, 4.2.4, 4.2.7, 4.6.4, 6, 8.3.1, 11.4.7,
     12.1.2, 12.2.5
  Shop Drawings, Definition of
     3.12.1
  Shop Drawings, Product Data and Samples
     3.11, 3.12, 4.2.7
  Site, Use of
     3.13, 6.1.1, 6.2.1
  Site Inspections
     1.2.2, 3.2.1, 3.3.3, 3.7.1, 4.2, 4.3.4, 9.4.2, 9.10.1, 13.5
  Site Visits, Architect's
     4.2.2, 4.2.9, 4.3.4, 9.4.2, 9.5.1, 9.9.2, 9.10.1, 13.5
  Special Inspections and Testing
     4.2.6, 12.2.1, 13.5
  Specifications, Definition of the
     1.1.6
  Specifications, The
     1.1.1, 1.1.6, 1.1.7, 1.2.2, 1.6, 3.11, 3.12.10, 3.17
  Statute of Limitations
     4.6.3, 12.2.6, 13.7
  Stopping the Work
     2.3, 4.3.6, 9.7, 10.3, 14.1
  Stored Materials
     6.2.1, 9.3.2, 10.2.1.2, 10.2.4, 11.4.1.4
  Subcontractor, Definition of
     5.1.1
  SUBCONTRACTORS
     5
  Subcontractors, Work by
     1.2.2, 3.3.2, 3.12.1, 4.2.3, 5.2.3, 5.3, 5.4, 9.3.1.2, 9.6.7
  Subcontractual Relations
     5.3, 5.4, 9.3.1.2, 9.6, 9.10, 10.2.1, 11.4.7, 11.4.8, 14.1, 14.2.1, 14.3.2
  Submittals
     1.6, 3.10, 3.11, 3.12, 4.2.7, 5.2.1, 5.2.3, 7.3.6, 9.2, 9.3, 9.8, 9.9.1,
     9.10.2, 9.10.3, 11.1.3
  Subrogation, Waivers of
     6.1.1, 11.4.5, 11.4.7
  Substantial Completion
     4.2.9, 8.1.1, 8.1.3, 8.2.3, 9.4.2, 9.8, 9.9.1, 9.10.3, 9.10.4.2,
     12.2, 13.7
  Substantial Completion, Definition of
     9.8.1
  Substitution of Subcontractors
     5.2.3, 5.2.4
  Substitution of Architect
     4.1.3
  Substitutions of Materials
     3.4.2, 3.5.1, 7.3.7
  Sub-subcontractor, Definition of
     5.1.2
  Subsurface Conditions
     4.3.4
  Successors and Assigns
     13.2
  Superintendent
     3.9, 10.2.6
  Supervision and Construction Procedures
     1.2.2, 3.3, 3.4, 3.12.10, 4.2.2, 4.2.7, 4.3.3, 6.1.3, 6.2.4, 7.1.3, 7.3.6,
     8.2, 8.3.1, 9.4.2, 10, 12, 14
  Surety
     4.4.7, 5.4.1.2, 9.8.5, 9.10.2, 9.10.3, 14.2.2
  Surety, Consent of
     9.10.2, 9.10.3

<PAGE>

  Surveys
     2.2.3
  Suspension by the Owner for Convenience
     14.4
  Suspension of the Work
     5.4.2, 14.3
  Suspension or Termination of the Contract
     4.3.6, 5.4.1.1, 11.4.9, 14
  Taxes
     3.6, 3.8.2.1, 7.3.6.4
  Termination by the Contractor
     4.3.10, 14.1
  Termination by the Owner for Cause
     4.3.10, 5.4.1.1, 14.2
  Termination of the Architect
     4.1.3
  Termination of the Contractor
     14.2.2
  TERMINATION OR SUSPENSION OF THE CONTRACT
     14
  Tests and Inspections
     3.1.3, 3.3.3, 4.2.2, 4.2.6, 4.2.9, 9.4.2, 9.8.3, 9.9.2,
     9.10.1, 10.3.2, 11.4.1.1, 12.2.1, 13.5
  TIME
     8
  Time, Delays and Extensions of
     3.2.3, 4.3.1, 4.3.4, 4.3.7, 4.4.5, 5.2.3, 7.2.1, 7.3.1, 7.4.1, 7.5.1, 8.3,
     9.5.1, 9.7.1, 10.3.2, 10.6.1, 14.3.2
  Time Limits
     2.1.2, 2.2, 2.4, 3.2.1, 3.7.3, 3.10, 3.11, 3.12.5, 3.15.1, 4.2, 4.3, 4.4,
     4.5, 4.6, 5.2, 5.3, 5.4, 6.2.4, 7.3, 7.4, 8.2, 9.2, 9.3.1, 9.3.3, 9.4.1,
     9.5, 9.6, 9.7, 9.8, 9.9, 9.10, 11.1.3, 11.4.1.5, 11.4.6, 11.4.10, 12.2,
     13.5, 13.7, 14
  Time Limits on Claims
     4.3.2, 4.3.4, 4.3.8, 4.4, 4.5, 4.6
  Title to Work
     9.3.2, 9.3.3
  UNCOVERING AND CORRECTION OF WORK
     12
  Uncovering of Work
     12.1
  Unforeseen Conditions
     4.3.4, 8.3.1, 10.3
  Unit Prices
     4.3.9, 7.3.3.2
  Use of Documents
     1.1.1, 1.6, 2.2.5, 3.12.6, 5.3
  Use of Site
     3.13, 6.1.1, 6.2.1
  Values, Schedule of
     9.2, 9.3.1
  Waiver of Claims by the Architect
     13.4.2
  Waiver of Claims by the Contractor
     4.3.10, 9.10.5, 11.4.7, 13.4.2
  Waiver of Claims by the Owner
     4.3.10, 9.9.3, 9.10.3, 9.10.4, 11.4.3, 11.4.5, 11.4.7,
     12.2.2.1, 13.4.2, 14.2.4
  Waiver of Consequential Damages
     4.3.10, 14.2.4
  Waiver of Liens
     9.10.2, 9.10.4
  Waivers of Subrogation
     6.1.1, 11.4.5, 11.4.7
  Warranty
     3.5, 4.2.9, 4.3.5.3, 9.3.3, 9.8.4, 9.9.1, 9.10.4, 12.2.2,
     13.7.1.3
  Weather Delays
     4.3.7.2
  Work, Definition of
     1.1.3
  Written Consent
     1.6, 3.4.2, 3.12.8, 3.14.2, 4.1.2, 4.3.4, 4.6.4, 9.3.2, 9.8.5, 9.9.1,
     9.10.2, 9.10.3, 11.4.1, 13.2, 13.4.2
  Written Interpretations
     4.2.11, 4.2.12, 4.3.6
  Written Notice
     2.3, 2.4, 3.3.1, 3.9, 3.12.9, 3.12.10, 4.3, 4.4.8, 4.6.5, 5.2.1, 8.2.2,
     9.7, 9.10, 10.2.2, 10.3, 11.1.3, 11.4.6, 12.2.2, 12.2.4, 13.3, 14
  Written Orders
     1.1.1, 2.3, 3.9, 4.3.6, 7, 8.2.2, 11.4.9, 12.1, 12.2, 13.5.2, 14.3.1

<PAGE>

ARTICLE 1 GENERAL PROVISIONS

     1.1 BASIC DEFINITIONS

     1.1.1 THE CONTRACT DOCUMENTS

     The Contract Documents consist of the Agreement between Owner and
Contractor (hereinafter the Agreement), Conditions of the Contract (General,
Supplementary and other Conditions), Drawings, Specifications, Addenda issued
prior to execution of the Contract, other documents listed in the Agreement and
Modifications issued after execution of the Contract. A Modification is (1) a
written amendment to the Contract signed by both parties, (2) a Change Order,
(3) a Construction Change Directive or (4) a written order for a minor change in
the Work issued by the Architect. Unless specifically enumerated in the
Agreement, the Contract Documents do not include other documents such as bidding
requirements (advertisement or invitation to bid, Instructions to Bidders,
sample forms, the Contractor's bid or portions of Addenda relating to bidding
requirements).

     1.1.2 THE CONTRACT

     The Contract Documents form the Contract for Construction. The Contract
represents the entire and integrated agreement between the parties hereto and
supersedes prior negotiations, representations or agreements, either written or
oral. The Contract may be amended or modified only by a Modification. The
Contract Documents shall not be construed to create a contractual relationship
of any kind (1) between the Architect and Contractor, (2) between the Owner and
a Subcontractor or Sub-subcontractor, (3) between the Owner and Architect or (4)
between any persons or entities other than the Owner and Contractor. The
Architect shall, however, be entitled to performance and enforcement of
obligations under the Contract intended to facilitate performance of the
Architect's duties.

     1.1.3 THE WORK

     The term "Work" means the construction and services required by the
Contract Documents, whether completed or partially completed, and includes all
other labor, materials, equipment and services provided or to be provided by the
Contractor to fulfill the Contractor's obligations. The Work may constitute the
whole or a part of the Project.

     1.1.4 THE PROJECT

     The Project is the total construction of which the Work performed under the
Contract Documents may be the whole or a part and which may include construction
by the Owner or by separate contractors.

     1.1.5 THE DRAWINGS

     The Drawings are the graphic and pictorial portions of the Contract
Documents showing the design, location and dimensions of the Work, generally
including plans, elevations, sections, details, schedules and diagrams.

     1.1.6 THE SPECIFICATIONS

     The Specifications are that portion of the Contract Documents consisting of
the written requirements for materials, equipment, systems, standards and
workmanship for the Work, and performance of related services.

     1.1.7 THE PROJECT MANUAL

     The Project Manual is a volume assembled for the Work which may include the
bidding requirements, sample forms, Conditions of the Contract and
Specifications.

     1.2 CORRELATION AND INTENT OF THE CONTRACT DOCUMENTS
     1.2.1 The intent of the Contract Documents is to include all items
necessary for the proper execution and completion of the Work by the Contractor.
The Contract Documents are complementary, and what is required by one shall be
as binding as if required by all; performance by the Contractor shall be
required only to the extent consistent with the Contract Documents and
reasonably inferable from them as being necessary to produce the indicated
results.

     1.2.2 Organization of the Specifications into divisions, sections and
articles, and arrangement of Drawings shall not control the Contractor in
dividing the Work among Subcontractors or in establishing the extent of Work to
be performed by any trade.

     1.2.3 Unless otherwise stated in the Contract Documents, words which have
well-known technical or construction industry meanings are used in the Contract
Documents in accordance with such recognized meanings.

<PAGE>

Insert A: 1.2.4 The Contract documents apply to contractor and each
Subcontractor.

     1.3 CAPITALIZATION
     1.3.1 Terms capitalized in these General Conditions include those which are
(1) specifically defined, (2) the titles of numbered articles and identified
references to Paragraphs, Subparagraphs and Clauses in the document or (3) the
titles of other documents published by the American Institute of Architects.

     1.4 INTERPRETATION
     1.4.1 In the interest of brevity the Contract Documents frequently omit
modifying words such as "all" and "any" and articles such as "the" and "an," but
the fact that a modifier or an article is absent from one statement and appears
in another is not intended to affect the interpretation of either statement.

     1.5 EXECUTION OF CONTRACT DOCUMENTS
     1.5.1 The Contract Documents shall be signed by the Owner and Contractor.
If either the Owner or Contractor or both do not sign all the Contract
Documents, the Architect shall identify such unsigned Documents upon request.

     1.5.2 Execution of the Contract by the Contractor is a representation that
the Contractor has visited the site, become generally familiar with local
conditions under which the Work is to be performed and correlated personal
observations with requirements of the Contract Documents.

     1.6 OWNERSHIP AND USE OF DRAWINGS, SPECIFICATIONS AND OTHER INSTRUMENTS OF
SERVICE
     1.6.1 The Drawings, Specifications and other documents, including those in
electronic form, prepared by the Architect and the Architect's consultants are
Instruments of Service through which the Work to be executed by the Contractor
is described. The Contractor may retain one record set. Neither the Contractor
nor any Subcontractor, Sub-subcontractor or material or equipment supplier shall
own or claim a copyright in the Drawings, Specifications and other documents
prepared by the Architect or the Architect's consultants, and unless otherwise
indicated the Architect and the Architect's consultants shall be deemed the
authors of them and will retain all common law, statutory and other reserved
rights, in addition to the copyrights. All copies of Instruments of Service,
except the Contractor's record set, shall be returned or suitably accounted for
to the Architect, on request, upon completion of the Work. The Drawings,
Specifications and other documents prepared by the Architect and the Architect's
consultants, and copies thereof furnished to the Contractor, are for use solely
with respect to this Project. They are not to be used by the Contractor or any
Subcontractor, Sub-subcontractor or material or equipment supplier on other
projects or for additions to this Project outside the scope of the Work without
the specific written consent of the Owner, Architect and the Architect's
consultants. The Contractor, Subcontractors, Sub-subcontractors and material or
equipment suppliers are authorized to use and reproduce applicable portions of
the Drawings, Specifications and other documents prepared by the Architect and
the Architect's consultants appropriate to and for use in the execution of their
Work under the Contract Documents. All copies made under this authorization
shall bear the statutory copyright notice, if any, shown on the Drawings,
Specifications and other documents prepared by the Architect and the Architect's
consultants. Submittal or distribution to meet official regulatory requirements
or for other purposes in connection with this Project is not to be construed as
publication in derogation of the Architect's or Architect's consultants'
copyrights or other reserved rights. This Paragraph 1.6.1 shall not limit the
Owner's rights to use the Drawings, Specifications, and other documents, which
right is separately determined between Owner and Architect.

ARTICLE 2 OWNER

     2.1 GENERAL
     2.1.1 The Owner is the person or entity identified as such in the Agreement
and is referred to throughout the Contract Documents as if singular in number.
The Owner shall designate in writing a representative who shall have express
authority to bind the Owner with respect to all matters requiring the Owner's
approval or authorization. Except as otherwise provided in Subparagraph 4.2.1,
the Architect does not have such authority. The term "Owner" means the Owner or
the Owner's authorized representative.

     2.1.2 The Owner shall furnish to the Contractor within fifteen days after
receipt of a written request, information necessary and relevant for the
Contractor to evaluate, give notice of or enforce mechanic's lien rights. Such
information shall include a correct statement of the record legal title to the
property on which the Project is located, usually referred to as the site, and
the Owner's interest therein.

     2.2 INFORMATION AND SERVICES REQUIRED OF THE OWNER
     2.2.1 The Owner shall, at the written request of the Contractor, prior to
commencement of the Work and thereafter, furnish to the Contractor reasonable
evidence that financial arrangements have been made to fulfill the Owner's
obligations under the Contract. Furnishing of such evidence shall be a condition
precedent to commencement or continuation of the Work after such request by
Contractor.

<PAGE>

     2.2.2 Except for permits and fees, including those required under
Subparagraph 3.7.1, which are the responsibility of the Contractor under the
Contract Documents, the Owner shall secure and pay for necessary approvals,
easements, assessments and charges required for construction, use or occupancy
of permanent structures or for permanent changes in existing facilities.

     2.2.3 The Owner shall furnish surveys describing physical characteristics,
legal limitations and utility locations for the site of the Project, and a legal
description of the site. The Contractor shall be entitled to rely on the
accuracy of information furnished by the Owner but shall exercise proper
precautions relating to the safe performance of the Work.

     2.2.4 Information or services required of the Owner by the Contract
Documents shall be furnished by the Owner with reasonable promptness. Any other
information or services relevant to the Contractor's performance of the Work
under the Owner's control shall be furnished by the Owner after receipt from the
Contractor of a written request for such information or services.

     2.2.5 Unless otherwise provided in the Contract Documents, the Contractor
will be furnished, free of charge, such copies of Drawings and Project Manuals
as are reasonably necessary for execution of the Work.

     2.3 OWNER'S RIGHT TO STOP THE WORK
     2.3.1 If the Contractor fails to correct Work which is not in accordance
with the requirements of the Contract Documents as required by Paragraph 12.2 or
persistently fails to carry out Work in accordance with the Contract Documents,
the Owner may issue a written order to the Contractor to stop the Work, or any
portion thereof, until the cause for such order has been eliminated; however,
the right of the Owner to stop the Work shall not give rise to a duty on the
part of the Owner to exercise this right for the benefit of the Contractor or
any other person or entity, except to the extent required by Subparagraph 6.1.3.

     2.4 OWNER'S RIGHT TO CARRY OUT THE WORK
     2.4.1 If the Contractor defaults or neglects to carry out the Work in
accordance with the Contract Documents and fails within a 72 hour period after
receipt of written notice from the Owner to commence and continue correction of
such default or neglect with diligence and promptness, the Owner may after such
72 hour period without prejudice to other remedies the Owner may have, correct
such deficiencies. In such case an appropriate Change Order shall be issued
deducting from payments then or thereafter due the Contractor the reasonable
cost of correcting such deficiencies, including Owner's expenses and
compensation for the Architect's additional services made necessary by such
default, neglect or failure. Such action by the Owner and amounts charged to the
Contractor are both subject to prior approval of the Architect. If payments then
or thereafter due the Contractor are not sufficient to cover such amounts, the
Contractor shall pay the difference to the Owner.

ARTICLE 3 CONTRACTOR

     3.1 GENERAL
     3.1.1 The Contractor is the person or entity identified as such in the
Agreement and is referred to throughout the Contract Documents as if singular in
number. The term "Contractor" means the Contractor or the Contractor's
authorized representative.

     3.1.2 The Contractor shall perform the Work in accordance with the Contract
Documents.

     3.1.3 The Contractor shall not be relieved of obligations to perform the
Work in accordance with the Contract Documents either by activities or duties of
the Architect in the Architect's administration of the Contract, or by tests,
inspections or approvals required or performed by persons other than the
Contractor.

Insert B: 3.1.4 Observation of work by Architect or by employees of Owner or of
Architect shall not be interpreted as relieving contractor from its
responsibility for coordination of all work, its superintendence of the Work,
and its scheduling and direction of the Work.

     3.2 REVIEW OF CONTRACT DOCUMENTS AND FIELD CONDITIONS BY CONTRACTOR
     3.2.1 Since the Contract Documents are complementary, before starting each
portion of the Work, the Contractor shall carefully study and compare the
various Drawings and other Contract Documents relative to that portion of the
Work, as well as the information furnished by the Owner pursuant to Subparagraph
2.2.3, shall take field measurements of any existing conditions related to that
portion of the Work and shall observe any conditions at the site affecting it.
These obligations are for the purpose of facilitating construction by the
Contractor and are not for the purpose of discovering errors, omissions, or
inconsistencies in the Contract Documents; however, any errors, inconsistencies
or omissions discovered by the Contractor shall be reported promptly to the
Architect as a request for information in such form as the Architect may
require.

     3.2.2 Any design errors or omissions noted by the Contractor during this
review shall be reported promptly to the Architect and Owner, but it is
recognized that the Contractor's review is made in the Contractor's capacity as
a contractor and not as a licensed design professional unless otherwise
specifically provided in the Contract Documents. The Contractor is not required
to ascertain that the Contract Documents are in accordance with applicable laws,
statutes, ordinances, building codes, and rules and

<PAGE>

regulations, but any nonconformity discovered by or made known to the Contractor
shall be reported promptly to the Architect and Owner.

     3.2.3 If the Contractor believes that additional cost or time is involved
because of clarifications or instructions issued by the Architect in response to
the Contractor's notices or requests for information pursuant to Subparagraphs
3.2.1 and 3.2.2, the Contractor shall make Claims as provided in Subparagraphs
4.3.6 and 4.3.7. If the Contractor fails to perform the obligations of
Subparagraphs 3.2.1 and 3.2.2, the Contractor shall pay such costs and damages
to the Owner as would have been avoided if the Contractor had performed such
obligations. The Contractor shall not be liable to the Owner or Architect for
damages resulting from errors, inconsistencies or omissions in the Contract
Documents or for differences between field measurements or conditions and the
Contract Documents unless the Contractor recognized such error, inconsistency,
omission or difference and knowingly failed to report it to the Architect and
Owner.

     3.3 SUPERVISION AND CONSTRUCTION PROCEDURES
     3.3.1 The Contractor shall supervise and direct the Work, using the
Contractor's best skill and attention. The Contractor shall be solely
responsible for and have control over construction means, methods, techniques,
sequences and procedures and for coordinating all portions of the Work under the
Contract, unless the Contract Documents give other specific instructions
concerning these matters. If the Contract Documents give specific instructions
concerning construction means, methods, techniques, sequences or procedures, the
Contractor shall evaluate the jobsite safety thereof and, except as stated
below, shall be fully and solely responsible for the jobsite safety of such
means, methods, techniques, sequences or procedures. If the Contractor
determines that such means, methods, techniques, sequences or procedures may not
be safe, the Contractor shall give timely written notice to the Owner and
Architect and shall not proceed with that portion of the Work without further
written instructions from the Architect. If the Contractor is then instructed to
proceed with the required means, methods, techniques, sequences or procedures
without acceptance of changes proposed by the Contractor, the Owner shall be
solely responsible for any resulting loss or damage.

     3.3.2 The Contractor shall be responsible to the Owner for acts and
omissions of the Contractor's employees, Subcontractors and their agents and
employees, and other persons or entities performing portions of the Work for or
on behalf of the Contractor or any of its Subcontractors.

     3.3.3 The Contractor shall be responsible for inspection of portions of
Work already performed to determine that such portions are in proper condition
to receive subsequent Work.

     3.4 LABOR AND MATERIALS
     3.4.1 Unless otherwise provided in the Contract Documents, the Contractor
shall provide and pay for labor, materials, equipment, tools, construction
equipment and machinery, water, heat, utilities, transportation, and other
facilities and services necessary for proper execution and completion of the
Work, whether temporary or permanent and whether or not incorporated or to be
incorporated in the Work.

     3.4.2 The Contractor may make substitutions only with the consent of the
Owner, after evaluation by the Architect and in accordance with a Change Order.

     3.4.3 The Contractor shall enforce strict discipline and good order among
the Contractor's employees and other persons carrying out the Contract. The
Contractor shall not permit employment of unfit persons or persons not skilled
in tasks assigned to them.

     3.5 WARRANTY
     3.5.1 The Contractor warrants to the Owner and Architect that materials and
equipment furnished under the Contract will be of good quality and new unless
otherwise required or permitted by the Contract Documents, that the Work will be
free from defects not inherent in the quality required or permitted, and that
the Work will conform to the requirements of the Contract Documents. Work not
conforming to these requirements, including substitutions not properly approved
and authorized, may be considered defective. The Contractor's warranty excludes
remedy for damage or defect caused by abuse, modifications not executed by the
Contractor, improper or insufficient maintenance, improper operation, or normal
wear and tear and normal usage. If required by the Architect, the Contractor
shall furnish satisfactory evidence as to the kind and quality of materials and
equipment.

     3.6 TAXES
     3.6.1 The Contractor shall pay sales, consumer, use and similar taxes for
the Work provided by the Contractor which are legally enacted when bids are
received or negotiations concluded, whether or not yet effective or merely
scheduled to go into effect.

     3.7 PERMITS, FEES AND NOTICES
     3.7.1 Unless otherwise provided in the Contract Documents, the Contractor
shall secure and pay for the building permit and other permits and governmental
fees, licenses and inspections necessary for proper execution and completion of
the Work

<PAGE>

which are customarily secured after execution of the Contract and which are
legally required when bids are received or negotiations concluded. Certificate
of Inspection, and Use and Occupancy permits or licenses shall be delivered to
the Owner upon completion of the Work in sufficient time for occupation of the
Project in accordance with the approved schedule for the Work. The costs of such
procurement, payment and delivery are included within the Contract Sum and
Guaranteed Maximum Price.

     3.7.2 The Contractor shall comply with and give notices required by laws,
ordinances, rules, regulations and lawful orders of public authorities
applicable to performance of the Work.

     3.7.3 It is not the Contractor's responsibility to ascertain that the
Contract Documents are in accordance with applicable laws, statutes, ordinances,
building codes, and rules and regulations. However, if the Contractor observes
that portions of the Contract Documents are at variance therewith, the
Contractor shall promptly notify the Architect and Owner in writing, and
necessary changes shall be accomplished by appropriate Modification.

     3.7.4 If the Contractor performs Work knowing it to be contrary to laws,
statutes, ordinances, building codes, and rules and regulations without such
notice to the Architect and Owner, the Contractor shall assume appropriate
responsibility for such Work and shall bear the costs attributable to
correction.

     3.8 ALLOWANCES
     3.8.1 The Contractor shall include in the Contract Sum all allowances
stated in the Contract Documents. Items covered by allowances shall be supplied
for such amounts and by such persons or entities as the Owner may direct, but
the Contractor shall not be required to employ persons or entities to whom the
Contractor has reasonable objection.

     3.8.2 Unless otherwise provided in the Contract Documents:

          .1   allowances shall cover the cost to the Contractor of materials
               and equipment delivered at the site and all required taxes, less
               applicable trade discounts;

          .2   Contractor's costs for unloading and handling at the site, labor,
               installation costs, overhead, profit and other expenses
               contemplated for stated allowance amounts shall be included in
               the Contract Sum but not in the allowances;

          .3   whenever costs are more than or less than allowances, the
               Contract Sum shall be adjusted accordingly by Change Order. The
               amount of the Change Order shall reflect (1) the difference
               between actual costs and the allowances under Clause 3.8.2.1 and
               (2) changes in Contractor's costs under Clause 3.8.2.2.

     3.8.3 Materials and equipment under an allowance shall be selected by the
Owner in sufficient time to avoid delay in the Work.

     3.9 SUPERINTENDENT
     3.9.1 The Contractor shall employ a competent superintendent and necessary
assistants who shall be in attendance at the Project site during performance of
the Work. The superintendent shall represent the Contractor, and communications
given to the superintendent shall be as binding as if given to the Contractor.
Important communications shall be confirmed in writing. Other communications
shall be similarly confirmed on written request in each case.

Insert C: 3.9.2 The list of all supervisory personnel, including the
Project Mnager and Superintendent, that the Contractor intends to use on the
Project and a chain of command organizational chart is attached as Exhibit "A" &
"B". The Contractor shall not engage supervisory personnel or utilize an
organization and chain of command other than as set forth in Exhibit "A" & "B"
and shall not change such personnel or form of organization without the written
approval of the Owner.

     3.10 CONTRACTOR'S CONSTRUCTION SCHEDULES
     3.10.1 The Contractor, promptly after being awarded the Contract, shall
prepare and submit for the Owner's and Architect's information a Contractor's
construction schedule for the Work. The schedule shall not exceed time limits
current under the Contract Documents, shall be revised at appropriate intervals
as required by the conditions of the Work and Project, shall be related to the
entire Project to the extent required by the Contract Documents, and shall
provide for expeditious and practicable execution of the Work.

     3.10.2 The Contractor shall prepare and keep current, for the Architect's
approval, a schedule of submittals which is coordinated with the Contractor's
construction schedule and allows the Architect reasonable time to review
submittals.

     3.10.3 The Contractor shall perform the Work in general accordance with the
most recent schedules submitted to the Owner and Architect.

<PAGE>

     3.11 DOCUMENTS AND SAMPLES AT THE SITE
     3.11.1 The Contractor shall maintain at the site for the Owner one record
copy of the Drawings, Specifications, Addenda, Change Orders and other
Modifications, in good order and marked currently to record field changes and
selections made during construction, and one record copy of approved Shop
Drawings, Product Data, Samples and similar required submittals. These shall be
available to the Architect and shall be delivered to the Architect for submittal
to the Owner upon completion of the Work.

     3.12 SHOP DRAWINGS, PRODUCT DATA AND SAMPLES
     3.12.1 Shop Drawings are drawings, diagrams, schedules and other data
specially prepared for the Work by the Contractor or a Subcontractor,
Sub-subcontractor, manufacturer, supplier or distributor to illustrate some
portion of the Work.

     3.12.2 Product Data are illustrations, standard schedules, performance
charts, instructions, brochures, diagrams and other information furnished by the
Contractor to illustrate materials or equipment for some portion of the Work.

     3.12.3 Samples are physical examples which illustrate materials, equipment
or workmanship and establish standards by which the Work will be judged.

     3.12.4 Shop Drawings, Product Data, Samples and similar submittals are not
Contract Documents. The purpose of their submittal is to demonstrate for those
portions of the Work for which submittals are required by the Contract Documents
the way by which the Contractor proposes to conform to the information given and
the design concept expressed in the Contract Documents. Review by the Architect
is subject to the limitations of Subparagraph 4.2.7. Informational submittals
upon which the Architect is not expected to take responsive action may be so
identified in the Contract Documents. Submittals which are not required by the
Contract Documents may be returned by the Architect without action.

     3.12.5 The Contractor shall review for compliance with the Contract
Documents, approve and submit to the Architect Shop Drawings, Product Data,
Samples and similar submittals required by the Contract Documents with
reasonable promptness and in such sequence as to cause no delay in the Work or
in the activities of the Owner or of separate contractors. Submittals which are
not marked as reviewed for compliance with the Contract Documents and approved
by the Contractor may be returned by the Architect without action.

     3.12.6 By approving and submitting Shop Drawings, Product Data, Samples and
similar submittals, the Contractor represents that the Contractor has determined
and verified materials, field measurements and field construction criteria
related thereto, or will do so, and has checked and coordinated the information
contained within such submittals with the requirements of the Work and of the
Contract Documents.

     3.12.7 The Contractor shall perform no portion of the Work for which the
Contract Documents require submittal and review of Shop Drawings, Product Data,
Samples or similar submittals until the respective submittal has been approved
by the Architect.

     3.12.8 The Work shall be in accordance with approved submittals except that
the Contractor shall not be relieved of responsibility for deviations from
requirements of the Contract Documents by the Architect's approval of Shop
Drawings, Product Data, Samples or similar submittals unless the Contractor has
specifically informed the Architect in writing of such deviation at the time of
submittal and (1) the Architect has given written approval to the specific
deviation as a minor change in the Work, or (2) a Change Order or Construction
Change Directive has been issued authorizing the deviation. The Contractor shall
not be relieved of responsibility for errors or omissions in Shop Drawings,
Product Data, Samples or similar submittals by the Architect's approval thereof.

     3.12.9 The Contractor shall direct specific attention, in writing or on
resubmitted Shop Drawings, Product Data, Samples or similar submittals, to
revisions other than those requested by the Architect on previous submittals. In
the absence of such written notice the Architect's approval of a resubmission
shall not apply to such revisions.

     3.12.10 The Contractor shall not be required to provide professional
services which constitute the practice of architecture or engineering unless
such services are specifically required by the Contract Documents for a portion
of the Work or unless the Contractor needs to provide such services in order to
carry out the Contractor's responsibilities for construction means, methods,
techniques, sequences and procedures. The Contractor shall not be required to
provide professional services in violation of applicable law. If professional
design services or certifications by a design professional related to systems,
materials or equipment are specifically required of the Contractor by the
Contract Documents, the Owner and the Architect will specify all performance and
design criteria that such services must satisfy. The Contractor shall cause such
services or certifications to be provided by a properly licensed design
professional, whose signature and seal shall appear on all drawings,
calculations, specifications, certifications, Shop Drawings and other submittals
prepared by such professional. Shop Drawings and other submittals related to the
Work designed or certified by such professional, if prepared by others, shall
bear such professional's written approval when submitted to the Architect. The
Owner and the Architect shall be entitled to rely upon the adequacy, accuracy
and completeness of the services, certifications or approvals performed by such
design professionals, provided the Owner and Architect have specified to the
Contractor all performance and design criteria

<PAGE>

that such services must satisfy. Pursuant to this Subparagraph 3.12.10, the
Architect will review, approve or take other appropriate action on submittals
only for the limited purpose of checking for conformance with information given
and the design concept expressed in the Contract Documents. The Contractor shall
not be responsible for the adequacy of the performance or design criteria
required by the Contract Documents.

     3.13 USE OF SITE
     3.13.1 The Contractor shall confine operations at the site to areas
permitted by law, ordinances, permits and the Contract Documents and shall not
unreasonably encumber the site with materials or equipment.

Insert D: 3.13.2 The contractor shall assure free convenient, unencumbered and
direct access to properties neighboring the Project site for the Owners of such
properties and their respective tenants, agents, invitees and guests.

     3.14 CUTTING AND PATCHING
     3.14.1 The Contractor shall be responsible for cutting, fitting or patching
required to complete the Work or to make its parts fit together properly.

     3.14.2 The Contractor shall not damage or endanger a portion of the Work or
fully or partially completed construction of the Owner or separate contractors
by cutting, patching or otherwise altering such construction, or by excavation.
The Contractor shall not cut or otherwise alter such construction by the Owner
or a separate contractor except with written consent of the Owner and of such
separate contractor; such consent shall not be unreasonably withheld. The
Contractor shall not unreasonably withhold from the Owner or a separate
contractor the Contractor's consent to cutting or otherwise altering the Work.

     3.15 CLEANING UP
     3.15.1 The Contractor shall keep the premises and surrounding area free
from accumulation of waste materials or rubbish caused by operations under the
Contract. At completion of the Work, the Contractor shall remove from and about
the Project waste materials, rubbish, the Contractor's tools, construction
equipment, machinery and surplus materials. The Contractor shall maintain
streets and sidewalks around the Project site in a clean condition. The
Contractor shall remove all spillage and tracking arising from the performance
of the Work from such areas, and shall establish a regular maintenance program
of sweeping and hosing to minimize accumulation of dirt and dust upon such
areas.

     3.15.2 If the Contractor fails to clean up as provided in the Contract
Documents, the Owner may do so and the cost thereof shall be charged to the
Contractor.

     3.16 ACCESS TO WORK
     3.16.1 The Contractor shall provide the Owner and Architect access to the
Work in preparation and progress wherever located.

     3.17 ROYALTIES, PATENTS AND COPYRIGHTS
     3.17.1 The Contractor shall pay all royalties and license fees. The
Contractor shall defend suits or claims for infringement of copyrights and
patent rights and shall hold the Owner and Architect harmless from loss on
account thereof, but shall not be responsible for such defense or loss when a
particular design, process or product of a particular manufacturer or
manufacturers is required by the Contract Documents or where the copyright
violations are contained in Drawings, Specifications or other documents prepared
by the Owner or Architect. However, if the Contractor has reason to believe that
the required design, process or product is an infringement of a copyright or a
patent, the Contractor shall be responsible for such loss unless such
information is promptly furnished to the Architect.

     3.18 INDEMNIFICATION
     3.18.1 To the fullest extent permitted by law and to the extent claims,
damages, losses or expenses are not covered by Project Management Protective
Liability insurance purchased by the Contractor in accordance with Paragraph
11.3, the Contractor shall indemnify and hold harmless the Owner, Architect,
Architect's consultants, and agents and employees of any of them from and
against claims, damages, losses and expenses, including but not limited to
attorneys' fees, arising out of or resulting from performance of the Work,
provided that such claim, damage, loss or expense is attributable to bodily
injury, sickness, disease or death, or to injury to or destruction of tangible
property (other than the Work itself), but only to the extent caused by the
negligent acts or omissions of the Contractor, a Subcontractor, anyone directly
or indirectly employed by them or anyone for whose acts they may be liable,
regardless of whether or not such claim, damage, loss or expense is caused in
part by a party indemnified hereunder. Such obligation shall not be construed to
negate, abridge, or reduce other rights or obligations of indemnity which would
otherwise exist as to a party or person described in this Paragraph 3.18.

     3.18.2 In claims against any person or entity indemnified under this
Paragraph 3.18 by an employee of the Contractor, a Subcontractor, anyone
directly or indirectly employed by them or anyone for whose acts they may be
liable, the indemnification obligation under Subparagraph 3.18.1 shall not be
limited by a limitation on amount or type of damages, compensation

<PAGE>

or benefits payable by or for the Contractor or a Subcontractor under workers'
compensation acts, disability benefit acts or other employee benefit acts.

ARTICLE 4 ADMINISTRATION OF THE CONTRACT

     4.1 ARCHITECT
     4.1.1 The Architect is the person lawfully licensed to practice
architecture or an entity lawfully practicing architecture identified as such in
the Agreement and is referred to throughout the Contract Documents as if
singular in number. The term "Architect" means the Architect or the Architect's
authorized representative.

     4.1.2 Duties and responsibilities of the Architect as set forth in the
Contract Documents shall not be restricted or modified, and limitations of
authority of the Architect as set forth in the Contract Documents shall not be
extended without written consent of the Owner, Contractor and Architect. Consent
shall not be unreasonably withheld.

     4.1.3 If the employment of the Architect is terminated, the Owner shall
employ a new Architect whose status under the Contract Documents shall be that
of the former Architect.

     4.2 ARCHITECT'S ADMINISTRATION OF THE CONTRACT
     4.2.1 The Architect will provide administration of the Contract as
described in the Contract Documents, and will be an Owner's representative (1)
during construction, (2) until final payment is due and (3) with the Owner's
concurrence, from time to time during the one-year period for correction of Work
described in Paragraph 12.2. The Architect will have authority to act on behalf
of the Owner only to the extent provided in the Contract Documents, unless
otherwise modified in writing in accordance with other provisions of the
Contract.

     4.2.2 The Architect, as a representative of the Owner, will visit the site
at intervals appropriate to the stage of the Contractor's operations (1) to
become generally familiar with and to keep the Owner informed about the progress
and quality of the portion of the Work completed, (2) to endeavor to guard the
Owner against defects and deficiencies in the Work, and (3) to determine in
general if the Work is being performed in a manner indicating that the Work,
when fully completed, will be in accordance with the Contract Documents.
However, the Architect will not be required to make exhaustive or continuous
on-site inspections to check the quality or quantity of the Work. The Architect
will neither have control over or charge of, nor be responsible for, the
construction means, methods, techniques, sequences or procedures, or for the
safety precautions and programs in connection with the Work, since these are
solely the Contractor's rights and responsibilities under the Contract
Documents, except as provided in Subparagraph 3.3.1.

     4.2.3 The Architect will not be responsible to the Contractor for the
Contractor's failure to perform the Work in accordance with the requirements of
the Contract Documents. The Architect will not have control over or charge of
and will not be responsible to the Contractor for acts or omissions of the
Contractor, Subcontractors, or their agents or employees, or any other persons
or entities performing portions of the Work.

     4.2.4 Communications Facilitating Contract Administration. Owner and
Contractor shall communicate directly with each other regarding administration
of the Contract documents and shall endeavor to advise Architect of the
resolution of all material issues regarding the Contract Documents.
Communications by and with the Architect's consultants shall be through the
Architect. Communications by and with Subcontractors and material suppliers
shall be through the Contractor. Communications by and with separate contractors
shall be through the Owner.

     4.2.5 Based on the Architect's evaluations of the Contractor's Applications
for Payment, the Architect will review and certify the amounts due the
Contractor and will issue Certificates for Payment in such amounts.

     4.2.6 The Architect will have authority to reject Work that does not
conform to the Contract Documents. Whenever the Architect considers it necessary
or advisable, the Architect will have authority to require inspection or testing
of the Work in accordance with Subparagraphs 13.5.2 and 13.5.3, whether or not
such Work is fabricated, installed or completed. However, neither this authority
of the Architect nor a decision made in good faith either to exercise or not to
exercise such authority shall give rise to a duty or responsibility of the
Architect to the Contractor, Subcontractors, material and equipment suppliers,
their agents or employees, or other persons or entities performing portions of
the Work.

     4.2.7 The Architect will review and approve or take other appropriate
action upon the Contractor's submittals such as Shop Drawings, Product Data and
Samples, but only for the limited purpose of checking for conformance with
information given and the design concept expressed in the Contract Documents.
The Architect's action will be taken with such reasonable promptness as to cause
no delay in the Work or in the activities of the Owner, Contractor or separate
contractors, while allowing sufficient time in the Architect's professional
judgment to permit adequate review. Review of such submittals is not conducted
for the purpose of determining the accuracy and completeness of other details
such as dimensions and quantities, or for substantiating instructions for
installation or performance of equipment or systems, all of which remain the
responsibility of the Contractor as required by the Contract Documents. The
Architect's review of the Contractor's submittals shall not relieve the
Contractor of the obligations under Paragraphs 3.3, 3.5 and

<PAGE>

3.12. The Architect's review shall not constitute approval of safety precautions
or, unless otherwise specifically stated by the Architect, of any construction
means, methods, techniques, sequences or procedures. The Architect's approval of
a specific item shall not indicate approval of an assembly of which the item is
a component.

     4.2.8 The Architect will prepare Change Orders and Construction Change
Directives, and may authorize minor changes in the Work as provided in Paragraph
7.4.

     4.2.9 The Architect will conduct inspections to determine the date or dates
of Substantial Completion and the date of final completion, will receive and
forward to the Owner, for the Owner's review and records, written warranties and
related documents required by the Contract and assembled by the Contractor, and
will issue a final Certificate for Payment upon compliance with the requirements
of the Contract Documents.

     4.2.10 If the Owner and Architect agree, the Architect will provide one or
more project representatives to assist in carrying out the Architect's
responsibilities at the site. The duties, responsibilities and limitations of
authority of such project representatives shall be as set forth in an exhibit to
be incorporated in the Contract Documents.

     4.2.11 The Architect will interpret and decide matters concerning
performance under, and requirements of, the Contract Documents on written
request of either the Owner or Contractor. The Architect's response to such
requests will be made in writing within any time limits agreed upon or otherwise
with reasonable promptness. If no agreement is made concerning the time within
which interpretations required of the Architect shall be furnished in compliance
with this Paragraph 4.2, then delay shall not be recognized on account of
failure by the Architect to furnish such interpretations until 15 days after
written request is made for them.

     4.2.12 Interpretations and decisions of the Architect will be consistent
with the intent of and reasonably inferable from the Contract Documents and will
be in writing or in the form of drawings. When making such interpretations and
initial decisions, the Architect will endeavor to secure faithful performance by
both Owner and Contractor, will not show partiality to either and will not be
liable for results of interpretations or decisions so rendered in good faith.

     4.2.13 The Architect's decisions on matters relating to aesthetic effect
will be final if consistent with the intent expressed in the Contract Documents.

     4.3 CLAIMS AND DISPUTES
     4.3.1 DEFINITION. A Claim is a demand or assertion by one of the parties
seeking, as a matter of right, adjustment or interpretation of Contract terms,
payment of money, extension of time or other relief with respect to the terms of
the Contract. The term "Claim" also includes other disputes and matters in
question between the Owner and Contractor arising out of or relating to the
Contract. Claims must be initiated by written notice. The responsibility to
substantiate Claims shall rest with the party making the Claim.

     4.3.2 TIME LIMITS ON CLAIMS. Claims by either party must be initiated
within 21 days after occurrence of the event giving rise to such Claim or within
21 days after the claimant first recognizes the condition giving rise to the
Claim, whichever is later. Claims must be initiated by written notice to the
Architect and the other party.

     4.3.3 CONTINUING CONTRACT PERFORMANCE. Pending final resolution of a Claim
except as otherwise agreed in writing or as provided in Subparagraph 9.7.1 and
Article 14, the Contractor shall proceed diligently with performance of the
Contract and the Owner shall continue to make payments in accordance with the
Contract Documents.

     4.3.4 CLAIMS FOR CONCEALED OR UNKNOWN CONDITIONS. If conditions are
encountered at the site which are (1) subsurface or otherwise concealed physical
conditions which differ materially from those indicated in the Contract
Documents or (2) unknown physical conditions of an unusual nature, which differ
materially from those ordinarily found to exist and generally recognized as
inherent in construction activities of the character provided for in the
Contract Documents, then notice by the observing party shall be given to the
other party promptly before conditions are disturbed and in no event later than
21 days after first observance of the conditions. The Architect will promptly
investigate such conditions and, if they differ materially and cause an increase
or decrease in the Contractor's cost of, or time required for, performance of
any part of the Work, will recommend an equitable adjustment in the Contract Sum
or Contract Time, or both. If the Architect determines that the conditions at
the site are not materially different from those indicated in the Contract
Documents and that no change in the terms of the Contract is justified, the
Architect shall so notify the Owner and Contractor in writing, stating the
reasons. Claims by either party in opposition to such determination must be made
within 21 days after the Architect has given notice of the decision. lf the
conditions encountered are materially different, the Contract Sum and Contract
Time shall be equitably adjusted, but if the Owner and Contractor cannot agree
on an adjustment in the Contract Sum or Contract Time, the adjustment shall be
referred to the Architect for initial determination, subject to further
proceedings pursuant to Paragraph 4.4.

<PAGE>

     4.3.5 CLAIMS FOR ADDITIONAL COST. If the Contractor wishes to make Claim
for an increase in the Contract Sum, written notice as provided herein shall be
given before proceeding to execute the Work. Prior notice is not required for
Claims relating to an emergency endangering life or property arising under
Paragraph 10.6.

     4.3.6 If the Contractor believes additional cost is involved for reasons
including but not limited to (1) a written interpretation from the Architect,
(2) an order by the Owner to stop the Work where the Contractor was not at
fault, (3) a written order for a minor change in the Work issued by the
Architect, (4) failure of payment by the Owner, (5) termination of the Contract
by the Owner, (6) Owner's suspension or (7) other reasonable grounds, Claim
shall be filed in accordance with this Paragraph 4.3.

     4.3.7 Claims for Additional Time

     4.3.7.1 If the Contractor wishes to make Claim for an increase in the
Contract Time, written notice as provided herein shall be given. The
Contractor's Claim shall include an estimate of cost and of probable effect of
delay on progress of the Work. In the case of a continuing delay only one Claim
is necessary.

     4.3.7.2 If adverse weather conditions are the basis for a Claim for
additional time, such Claim shall be documented by data substantiating that
weather conditions were abnormal for the period of time, could not have been
reasonably anticipated and had an adverse effect on the scheduled construction.

     4.3.8 INJURY OR DAMAGE TO PERSON OR PROPERTY. If either party to the
Contract suffers injury or damage to person or property because of an act or
omission of the other party, or of others for whose acts such party is legally
responsible, written notice of such injury or damage, whether or not insured,
shall be given to the other party within a reasonable time not exceeding 21 days
after discovery. The notice shall provide sufficient detail to enable the other
party to investigate the matter.

     4.3.9 If unit prices are stated in the Contract Documents or subsequently
agreed upon, and if quantities originally contemplated are materially changed in
a proposed Change Order or Construction Change Directive so that application of
such unit prices to quantities of Work proposed will cause substantial inequity
to the Owner or Contractor, the applicable unit prices shall be equitably
adjusted.

     4.3.10 [Intentionally Omitted]

     4.4 RESOLUTION OF CLAIMS AND DISPUTES
     4.4.1 [Intentionally Omitted]

     4.4.2 [Intentionally Omitted]

     4.4.3 [Intentionally Omitted]

     4.4.4 [Intentionally Omitted]

     4.4.5 [Intentionally Omitted]

     4.4.6 [Intentionally Omitted]

     4.4.7 [Intentionally Omitted]

     4.4.8 [Intentionally Omitted]

     4.5 MEDIATION
     4.5.1 Any Claim arising out of or related to the Contract, except Claims
relating to aesthetic effect and except those waived as provided for in
Subparagraphs 4.3.10, 9.10.4 and 9.10.5 shall, be subject to mediation as a
condition precedent to arbitration or the institution of legal or equitable
proceedings by either party.

     4.5.2 The parties shall endeavor to resolve their Claims by mediation
which, unless the parties mutually agree otherwise, shall be in accordance with
the Construction Industry Mediation Rules of the American Arbitration
Association currently in effect. Request for mediation shall be filed in writing
with the other party to the Contract and with the American Arbitration
Association. The request may be made concurrently with the filing of a demand
for arbitration but, in such event, mediation shall proceed in advance of
arbitration or legal or equitable proceedings, which shall be stayed pending
mediation for a period of 60 days from the date of filing, unless stayed for a
longer period by agreement of the parties or court order.

<PAGE>

     4.5.3 The parties shall share the mediator's fee and any filing fees
equally. The mediation shall be held in the place where the Project is located,
unless another location is mutually agreed upon. Agreements reached in mediation
shall be enforceable as settlement agreements in any court having jurisdiction
thereof.

     4.6 ARBITRATION
     4.6.1 Upon the agreement of Owner and Contractor any Claim arising out of
or related to the Contract, except Claims relating to aesthetic effect and
except those waived as provided for in Subparagraphs 4.3.10, 9.10.4 and 9.10.5,
shall, after decision by the Architect or 30 days after submission of the Claim
to the Architect, be subject to arbitration. Prior to arbitration, the parties
shall endeavor to resolve disputes by mediation in accordance with the
provisions of Paragraph 4.5.

     4.6.2 Upon the agreement of Owner and Contractor, Claims not resolved by
mediation shall be decided by arbitration which, unless the parties mutually
agree otherwise, shall be in accordance with the Construction Industry
Arbitration Rules of the American Arbitration Association currently in effect.
The demand for arbitration shall be filed in writing with the other party to the
Contract and with the American Arbitration Association, and a copy shall be
filed with the Architect.

     4.6.3 A demand for arbitration shall be made within the time limits
specified in Subparagraphs 4.4.6 and 4.6.1 as applicable, and in other cases
within a reasonable time after the Claim has arisen, and in no event shall it be
made after the date when institution of legal or equitable proceedings based on
such Claim would be barred by the applicable statute of limitations as
determined pursuant to Paragraph 13.7.

     4.6.4 [Intentionally Omitted]

     4.6.5 CLAIMS AND TIMELY ASSERTION OF CLAIMS. The party filing a notice of
demand for arbitration must assert in the demand all Claims then known to that
party on which arbitration is permitted to be demanded.

     4.6.6 JUDGMENT ON FINAL AWARD. The award rendered by the arbitrator or
arbitrators shall be final, and judgment may be entered upon it in accordance
with applicable law in any court having jurisdiction thereof.

ARTICLE 5 SUBCONTRACTORS

     5.1 DEFINITIONS
     5.1.1 A Subcontractor is a person or entity who has a direct contract with
the Contractor to perform a portion of the Work at the site. The term
"Subcontractor" is referred to throughout the Contract Documents as if singular
in number and means a Subcontractor or an authorized representative of the
Subcontractor. The term "Subcontractor" does not include a separate contractor
or subcontractors of a separate contractor.

     5.1.2 A Sub-subcontractor is a person or entity who has a direct or
indirect contract with a Subcontractor to perform a portion of the Work at the
site. The term "Sub-subcontractor" is referred to throughout the Contract
Documents as if singular in number and means a Sub-subcontractor or an
authorized representative of the Sub-subcontractor.

     5.2 AWARD OF SUBCONTRACTS AND OTHER CONTRACTS FOR PORTIONS OF THE WORK
     5.2.1 Unless otherwise stated in the Contract Documents or the bidding
requirements, the Contractor, as soon as practicable after award of the
Contract, shall furnish in writing to the Owner through the Architect the names
of persons or entities (including those who are to furnish materials or
equipment fabricated to a special design) proposed for each principal portion of
the Work. The Architect will promptly reply to the Contractor in writing stating
whether or not the Owner or the Architect, after due investigation, has
reasonable objection to any such proposed person or entity. Failure of the Owner
or Architect to reply promptly shall constitute notice of no reasonable
objection.

     5.2.2 The Contractor shall not contract with a proposed person or entity to
whom the Owner or Architect has made reasonable and timely objection. The
Contractor shall not be required to contract with anyone to whom the Contractor
has made reasonable objection.

     5.2.3 If the Owner or Architect has reasonable objection to a person or
entity proposed by the Contractor, the Contractor shall propose another to whom
the Owner or Architect has no reasonable objection. If the proposed but rejected
Subcontractor was reasonably capable of performing the Work, the Contract Sum
and Contract Time shall be increased or decreased by the difference, if any,
occasioned by such change, and an appropriate Change Order shall be issued
before commencement of the substitute Subcontractor's Work. However, no increase
in the Contract Sum or Contract Time shall be allowed for such change unless the
Contractor has acted promptly and responsively in submitting names as required.

     5.2.4 The Contractor shall not change a Subcontractor, person or entity
previously selected if the Owner or Architect makes reasonable objection to such
substitute.

<PAGE>

     5.3 SUBCONTRACTUAL RELATIONS
     5.3.1 By appropriate agreement, written where legally required for
validity, the Contractor shall require each Subcontractor, to the extent of the
Work to be performed by the Subcontractor, to be bound to the Contractor by
terms of the Contract Documents, and to assume toward the Contractor all the
obligations and responsibilities, including the responsibility for safety of the
Subcontractor's Work, which the Contractor, by these Documents, assumes toward
the Owner and Architect. Each subcontract agreement shall preserve and protect
the rights of the Owner and Architect under the Contract Documents with respect
to the Work to be performed by the Subcontractor so that subcontracting thereof
will not prejudice such rights, and shall allow to the Subcontractor, unless
specifically provided otherwise in the subcontract agreement, the benefit of all
rights, remedies and redress against the Contractor that the Contractor, by the
Contract Documents, has against the Owner. Where appropriate, the Contractor
shall require each Subcontractor to enter into similar agreements with
Sub-subcontractors. The Contractor shall make available to each proposed
Subcontractor, prior to the execution of the subcontract agreement, copies of
the Contract Documents to which the Subcontractor will be bound, and, upon
written request of the Subcontractor, identify to the Subcontractor terms and
conditions of the proposed subcontract agreement which may be at variance with
the Contract Documents. Subcontractors will similarly make copies of applicable
portions of such documents available to their respective proposed
Sub-subcontractors.

Insert E: 5.3.2 Notwithstanding any provision of Subparagraph 5.3.1 any part of
the Work performed for the Contractor by a Subcontractor or its
Sub-subcontractor shall be pursuant to a written subcontract between the
Contractor and such Subcontractor. Each such subcontract shall, where the
context so requires, contain provisions that require that such Work be performed
in accordance with the requirements of the Contract Documents.

     5.4 CONTINGENT ASSIGNMENT OF SUBCONTRACTS
     5.4.1 Each subcontract agreement for a portion of the Work is assigned by
the Contractor to the Owner provided that:

          .1   assignment is effective only after termination of the Contract by
               the Owner for cause pursuant to Paragraph 14.2 and or for
               convenience pursuant to Paragraph 14.4 only for those subcontract
               agreements which the Owner accepts by notifying the Subcontractor
               and Contractor in writing; and

          .2   assignment is subject to the prior rights of the surety, if any,
               obligated under bond relating to the Contract.

     5.4.2 Upon such assignment, if the Work has been suspended for more than 30
days, the Subcontractor's compensation shall be equitably adjusted for increases
in cost resulting from the suspension.

ARTICLE 6 CONSTRUCTION BY OWNER OR BY SEPARATE CONTRACTORS

     6.1 OWNER'S RIGHT TO PERFORM CONSTRUCTION AND TO AWARD SEPARATE CONTRACTS
     6.1.1 The Owner reserves the right to perform construction or operations
related to the Project with the Owner's own forces, and to award separate
contracts in connection with other portions of the Project or other construction
or operations on the site If the Contractor claims that delay or additional cost
is involved because of such action by the Owner, the Contractor shall make such
Claim as provided in Paragraph 4.3.

     6.1.2 When separate contracts are awarded for different portions of the
Project or other construction or operations on the site, the term "Contractor"
in the Contract Documents in each case shall mean the Contractor who executes
each separate Owner-Contractor Agreement.

     6.1.3 The Owner shall provide for coordination of the activities of the
Owner's own forces and of each separate contractor with the Work of the
Contractor, who shall cooperate with them. The Contractor shall participate with
other separate contractors and the Owner in reviewing their construction
schedules when directed to do so. The Contractor shall make any revisions to the
construction schedule deemed necessary after a joint review and mutual
agreement. The construction schedules shall then constitute the schedules to be
used by the Contractor, separate contractors and the Other until subsequently
revised.

     6.1.4 Unless otherwise provided in the Contract Documents, when the Owner
performs construction or operations related to the Project with the Owner's own
forces, the Owner shall be deemed to be subject to the same obligations and to
have the same rights which apply to the Contractor under the Conditions of the
Contract, including, without excluding others, those stated in Article 3, this
Article 6 and Articles 10, 11 and 12.

     6.2 MUTUAL RESPONSIBILITY
     6.2.1 The Contractor shall afford the Owner and separate contractors
reasonable opportunity for introduction and storage of their materials and
equipment and performance of their activities, and shall connect and coordinate
the Contractor's construction and operations with theirs as required by the
Contract Documents.

<PAGE>

     6.2.2 If part of the Contractor's Work depends for proper execution or
results upon construction or operations by the Owner or a separate contractor,
the Contractor shall, prior to proceeding with that portion of the Work,
promptly report to the Architect and Owner apparent discrepancies or defects in
such other construction that would render it unsuitable for such proper
execution and results. Failure of the Contractor so to report shall constitute
an acknowledgment that the Owner's or separate contractor's completed or
partially completed construction is fit and proper to receive the Contractor's
Work, except as to defects not then reasonably discoverable.

     6.2.3 The Owner shall be reimbursed by the Contractor for costs incurred by
the Owner which are payable to a separate contractor because of delays,
improperly timed activities or defective construction of the Contractor. The
Owner shall be responsible to the Contractor for costs incurred by the
Contractor because of delays, improperly timed activities, damage to the Work or
defective construction of a separate contractor.

     6.2.4 The Contractor shall promptly remedy damage wrongfully caused by the
Contractor to completed or partially completed construction or to property of
the Owner or separate contractors as provided in Subparagraph 10.2.5.

     6.2.5 The Owner and each separate contractor shall have the same
responsibilities for cutting and patching as are described for the Contractor in
Subparagraph 3.14.

     6.3 OWNER'S RIGHT TO CLEAN UP
     6.3.1 If a dispute arises among the Contractor, separate contractors and
the Owner as to the responsibility under their respective contracts for
maintaining the premises and surrounding area free from waste materials and
rubbish, the Owner may clean up and the Architect will allocate the cost among
those responsible.

ARTICLE 7 CHANGES IN THE WORK

     7.1 GENERAL
     7.1.1 Changes in the Work may be accomplished after execution of the
Contract, and without invalidating the Contract, by Change Order, Construction
Change Directive or order for a minor change in the Work, subject to the
limitations stated in this Article 7 and elsewhere in the Contract Documents.

     7.1.2 A Change Order shall be based upon agreement among the Owner,
Contractor and Architect; a Construction Change Directive requires agreement by
the Owner and Architect and may or may not be agreed to by the Contractor; an
order for a minor change in the Work may be issued by the Architect alone.

     7.1.3 Changes in the Work shall be performed under applicable provisions of
the Contract Documents, and the Contractor shall proceed promptly, unless
otherwise provided in the Change Order, Construction Change Directive or order
for a minor change in the Work.

     7.2 CHANGE ORDERS
     7.2.1 A Change Order is a written instrument prepared by the Architect and
signed by the Owner, Contractor and Architect, stating their agreement upon all
of the following:

          .1   change in the Work;

          .2   the amount of the adjustment, if any, in the Contract Sum; and

          .3   the extent of the adjustment, if any, in the Contract Time.

     7.2.2 Methods used in determining adjustments to the Contract Sum may
include those listed in Subparagraph 7.3.3.

     7.3 CONSTRUCTION CHANGE DIRECTIVES
     7.3.1 A Construction Change Directive is a written order prepared by the
Architect and signed by the Owner and Architect, directing a change in the Work
prior to agreement on adjustment, if any, in the Contract Sum or Contract Time,
or both. The Owner may by Construction Change Directive, without invalidating
the Contract, order changes in the Work within the general scope of the Contract
consisting of additions, deletions or other revisions, the Contract Sum and
Contract Time being adjusted accordingly.

     7.3.2 A Construction Change Directive shall be used in the absence of total
agreement on the terms of a Change Order.

     7.3.3 If the Construction Change Directive provides for an adjustment to
the Contract Sum, the adjustment shall be based on one of the following methods:

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          .1   mutual acceptance of a lump sum properly itemized and supported
               by sufficient substantiating data to permit evaluation;

          .2   unit prices stated in the Contract Documents or subsequently
               agreed upon;

          .3   cost to be determined in a manner agreed upon by the parties and
               a mutually acceptable fixed or percentage fee; or

          .4   as provided in Subparagraph 7.3.6.

     7.3.4 Upon receipt of a Construction Change Directive, the Contractor shall
promptly proceed with the change in the Work involved and advise the Architect
and Owner of the Contractor's agreement or disagreement with the method, if any,
provided in the Construction Change Directive for determining the proposed
adjustment in the Contract Sum or Contract Time.

     7.3.5 A Construction Change Directive signed by the Contractor indicates
the agreement of the Contractor therewith, including adjustment in Contract Sum
and Contract Time or the method for determining them. Such agreement shall be
effective immediately and shall be recorded as a Change Order.

     7.3.6 If the Contractor does not respond promptly or disagrees with the
method for adjustment in the Contract Sum, the method and the adjustment shall
be determined by the Owner on the basis of reasonable expenditures and savings
of those performing the Work attributable to the change, including, in case of
an increase in the Contract Sum, a reasonable allowance for overhead and profit.
In such case, and also under Clause 7.3.3.3, the Contractor shall keep and
present, in such form as the Owner may prescribe, an itemized accounting
together with appropriate supporting data. Unless otherwise provided in the
Contract Documents, costs for the purposes of this Subparagraph 7.3.6 shall be
limited to the following:

          .1   costs of labor, including social security, old age and
               unemployment insurance, fringe benefits required by agreement or
               custom, and workers' compensation insurance;

          .2   costs of materials, supplies and equipment, including cost of
               transportation, whether incorporated or consumed;

          .3   rental costs of machinery and equipment, exclusive of hand tools,
               whether rented from the Contractor or others;

          .4   costs of premiums for all bonds and insurance, permit fees, and
               sales, use or similar taxes related to the Work; and

          .5   additional costs of supervision and field office personnel
               directly attributable to the change.

     7.3.7 The amount of credit to be allowed by the Contractor to the Owner for
a deletion or change which results in a net decrease in the Contract Sum shall
be actual net cost as confirmed by the Owner. When both additions and credits
covering related Work or substitutions are involved in a change, the allowance
for overhead and profit shall be figured on the basis of net increase, if any,
with respect to that change.

     7.3.8 Pending final determination of the total cost of a Construction
Change Directive to the Owner, amounts not in dispute for such changes in the
Work shall be included in Applications for Payment accompanied by a Change Order
indicating the parties' agreement with part or all of such costs.

     7.3.9 When the Owner and Contractor agree concerning the adjustments in the
Contract Sum and Contract Time, or otherwise reach agreement upon the
adjustments, such agreement shall be effective immediately and shall be recorded
by preparation and execution of an appropriate Change Order.

     7.4 MINOR CHANGES IN THE WORK
     7.4.1 The Architect will have authority to order minor changes in the Work
not involving adjustment in the Contract Sum or extension of the Contract Time
and not inconsistent with the intent of the Contract Documents. Such changes
shall be effected by written order and shall be binding on the Owner and
Contractor. The Contractor shall carry out such written orders promptly.

ARTICLE 8 TIME

     8.1 DEFINITIONS

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     8.1.1 Unless otherwise provided, Contract Time is the period of time,
including authorized adjustments, allotted in the Contract Documents for
Substantial Completion of the Work.

     8.1.2 The date of commencement of the Work is the date established in the
Agreement.

     8.1.3 The date of Substantial Completion is the date certified by the
Architect in accordance with Paragraph 9.8.

     8.1.4 The term "day" as used in the Contract Documents shall mean calendar
day unless otherwise specifically defined.

     8.2 PROGRESS AND COMPLETION
     8.2.1 Time limits stated in the Contract Documents are of the essence of
the Contract. By executing the Agreement the Contractor confirms that the
Contract Time is a reasonable period for performing the Work.

     8.2.2 The Contractor shall not knowingly, except by agreement or
instruction of the Owner in writing, prematurely commence operations on the site
or elsewhere prior to the effective date of insurance required by Article 11 to
be furnished by the Contractor and Owner. The date of commencement of the Work
shall not be changed by the effective date of such insurance. Unless the date of
commencement is established by the Contract Documents or a notice to proceed
given by the Owner, the Contractor shall notify the Owner in writing not less
than five days or other agreed period before commencing the Work to permit the
timely filing of mortgages, mechanic's liens and other security interests.

     8.2.3 The Contractor shall proceed expeditiously with adequate forces and
shall achieve Substantial Completion within the Contract Time.

     8.3 DELAYS AND EXTENSIONS OF TIME
     8.3.1 If the Contractor is delayed at any time in the commencement or
progress of the Work by an act or neglect of the Owner or Architect, or of an
employee of either, or of a separate contractor employed by the Owner, or by
changes ordered in the Work, or by labor disputes, fire, unusual delay in
deliveries, unavoidable casualties or other causes beyond the Contractor's
control, or by delay authorized by the Owner pending mediation and arbitration,
or by other causes which the Architect determines may justify delay, then the
Contract Time shall be extended by Change Order for such reasonable time as the
Architect may determine.

     8.3.2 Claims relating to time shall be made in accordance with applicable
provisions of Paragraph 4.3. A copy of any claim for extension shall be
delivered to the Owner, and the Contractor shall immediately take all steps
reasonably possible to lessen the adverse impact of such delay on Owner.

     8.3.3 This Paragraph 8.3 does not preclude recovery of damages for delay by
either party under other provisions of the Contract Documents.

ARTICLE 9 PAYMENTS AND COMPLETION

     9.1 CONTRACT SUM
     9.1.1 The Contract Sum is stated in the Agreement and, including authorized
adjustments, is the total amount payable by the Owner to the Contractor for
performance of the Work under the Contract Documents.

     9.2 SCHEDULE OF VALUES
     9.2.1 Before the first Application for Payment, the Contractor shall submit
to the Architect and Owner a schedule of values allocated to various portions of
the Work, prepared in such form and supported by such data to substantiate its
accuracy as the Architect may require. This schedule, unless objected to by the
Architect and Owner, shall be used as a basis for reviewing the Contractor's
Applications for Payment.

     9.3 APPLICATIONS FOR PAYMENT
     9.3.1 At least ten days before the date established for each progress
payment, the Contractor shall submit to the Architect and Owner an itemized
Application for Payment for operations completed in accordance with the schedule
of values. Such application shall be notarized, if required, and supported by
such data substantiating the Contractor's right to payment as the Owner or
Architect may require, such as copies of requisitions from Subcontractors and
material suppliers, and reflecting retainage if provided for in the Contract
Documents.

     9.3.1.1 As provided in Subparagraph 7.3.8, such applications may include
requests for payment on account of changes in the Work which have been properly
authorized by Construction Change Directives, but not yet included in Change
Orders.

<PAGE>

     9.3.1.2 Such applications may not include requests for payment for portions
of the Work for which the Contractor does not intend to pay to a Subcontractor
or material supplier, unless such Work has been performed by others whom the
Contractor intends to pay.

     9.3.2 Unless otherwise provided in the Contract Documents, payments shall
be made on account of materials and equipment delivered and suitably stored at
the site for subsequent incorporation in the Work. If approved in advance by the
Owner, payment may similarly be made for materials and equipment suitably stored
off the site at a location agreed upon in writing. Payment for materials and
equipment stored on or off the site shall be conditioned upon compliance by the
Contractor with procedures satisfactory to the Owner to establish the Owner's
title to such materials and equipment or otherwise protect the Owner's interest,
and shall include the costs of applicable insurance, storage and transportation
to the site for such materials and equipment stored off the site.

     9.3.3 The Contractor warrants that title to all Work covered by an
Application for Payment will pass to the Owner no later than the time of
payment. The Contractor further warrants that upon submittal of an Application
for Payment all Work for which Certificates for Payment have been previously
issued and payments received from the Owner shall, to the best of the
Contractor's knowledge, information and belief, be free and clear of liens,
claims, security interests or encumbrances in favor of the Contractor,
Subcontractors, material suppliers, or other persons or entities making a claim
by reason of having provided labor, materials and equipment relating to the
Work.

     9.4 CERTIFICATES FOR PAYMENT
     9.4.1 The Architect will, within seven days after receipt of the
Contractor's Application for Payment, either issue to the Owner a Certificate
for Payment, with a copy to the Contractor, for such amount as the Architect
determines is properly due, or notify the Contractor and Owner in writing of the
Architect's reasons for withholding certification in whole or in part as
provided in Subparagraph 9.5.1.

     9.4.2 The issuance of a Certificate for Payment will constitute a
representation by the Architect to the Owner, based on the Architect's
evaluation of the Work and the data comprising the Application for Payment, that
the Work has progressed to the point indicated and that, to the best of the
Architect's knowledge, information and belief, the quality of the Work is in
accordance with the Contract Documents. The foregoing representations are
subject to an evaluation of the Work for conformance with the Contract Documents
upon Substantial Completion, to results of subsequent tests and inspections, to
correction of minor deviations from the Contract Documents prior to completion
and to specific qualifications expressed by the Architect. The issuance of a
Certificate for Payment will further constitute a representation that the
Contractor is entitled to payment in the amount certified. However, the issuance
of a Certificate for Payment will not be a representation that the Architect has
(1) made exhaustive or continuous on-site inspections to check the quality or
quantity of the Work, (2) reviewed construction means, methods, techniques,
sequences or procedures, (3) reviewed copies of requisitions received from
Subcontractors and material suppliers and other data requested by the Owner to
substantiate the Contractor's right to payment, or (4) made examination to
ascertain how or for what purpose the Contractor has used money previously paid
on account of the Contract Sum.

     9.5 DECISIONS TO WITHHOLD CERTIFICATION
     9.5.1 The Architect may withhold a Certificate for Payment in whole or in
part, to the extent reasonably necessary to protect the Owner, if in the
Architect's opinion the representations to the Owner required by Subparagraph
9.4.2 cannot be made. If the Architect is unable to certify payment in the
amount of the Application, the Architect will notify the Contractor and Owner as
provided in Subparagraph 9.4.1. If the Contractor and Architect cannot agree on
a revised amount, the Architect will promptly issue a Certificate for Payment
for the amount for which the Architect is able to make such representations to
the Owner. The Architect may also withhold a Certificate for Payment or, because
of subsequently discovered evidence, may nullify the whole or a part of a
Certificate for Payment previously issued, to such extent as may be necessary in
the Architect's opinion to protect the Owner from loss for which the Contractor
is responsible, including loss resulting from acts and omissions described in
Subparagraph 3.3.2, because of:

          .1   defective Work not remedied;

          .2   third party claims filed or reasonable evidence indicating
               probable filing of such claims unless security acceptable to the
               Owner is provided by the Contractor;

          .3   failure of the Contractor to make payments properly to
               Subcontractors or for labor, materials or equipment;

          .4   reasonable evidence that the Work cannot be completed for the
               unpaid balance of the Contract Sum;

          .5   damage to the Owner or another contractor;

          .6   reasonable evidence that the Work will not be completed within
               the Contract Time, and that the unpaid balance would not be
               adequate to cover actual or liquidated damages for the
               anticipated delay; or

<PAGE>

          .7   persistent failure to carry out the Work in accordance with the
               Contract Documents.

     9.5.2 When the above reasons for withholding certification are removed,
certification will be made for amounts previously withheld.

     9.6 PROGRESS PAYMENTS
     9.6.1 After the Architect has issued a Certificate for Payment, the Owner
shall make payment in the manner and within the time provided in the Contract
Documents, and shall so notify the Architect.

     9.6.2 The Contractor shall promptly pay each Subcontractor, upon receipt of
payment from the Owner, out of the amount paid to the Contractor on account of
such Subcontractor's portion of the Work, the amount to which said Subcontractor
is entitled, reflecting percentages actually retained from payments to the
Contractor on account of such Subcontractor's portion of the Work. The
Contractor shall, by appropriate agreement with each Subcontractor, require each
Subcontractor to make payments to Sub-subcontractors in a similar manner.

     9.6.3 The Architect will, on request, furnish to a Subcontractor, if
practicable, information regarding percentages of completion or amounts applied
for by the Contractor and action taken thereon by the Architect and Owner on
account of portions of the Work done by such Subcontractor.

     9.6.4 Neither the Owner nor Architect shall have an obligation to pay or to
see to the payment of money to a Subcontractor except as may otherwise be
required by law.

     9.6.5 Payment to material suppliers shall be treated in a manner similar to
that provided in Subparagraphs 9.6.2, 9.6.3 and 9.6.4.

     9.6.6 A Certificate for Payment, a progress payment, or partial or entire
use or occupancy of the Project by the Owner shall not constitute acceptance of
Work not in accordance with the Contract Documents.

     9.6.7 Unless the Contractor provides the Owner with a payment bond in the
full penal sum of the Contract Sum, payments received by the Contractor for Work
properly performed by Subcontractors and suppliers shall be held by the
Contractor for those Subcontractors or suppliers who performed Work or furnished
materials, or both, under contract with the Contractor for which payment was
made by the Owner. Nothing contained herein shall require money to be placed in
a separate account and not commingled with money of the Contractor, shall create
any fiduciary liability or tort liability on the part of the Contractor for
breach of trust or shall entitle any person or entity to an award of punitive
damages against the Contractor for breach of the requirements of this provision.

Insert F: Contractor shall deliver to Owner a partial release on a form
acceptable to the Owner upon submission of each Certificate for Payment.

     9.7 FAILURE OF PAYMENT
     9.7.1 If the Architect does not issue a Certificate for Payment, through no
fault of the Contractor, within seven days after receipt of the Contractor's
Application for Payment, or if the Owner does not pay the Contractor within
seven days after the date established in the Contract Documents the amount
certified by the Architect or awarded by arbitration, then the Contractor may,
upon seven additional days' written notice to the Owner and Architect, stop the
Work until payment of the amount owing has been received. The Contract Time
shall be extended appropriately and the Contract Sum shall be increased by the
amount of the Contractor's reasonable costs of shut-down, delay and start-up,
plus interest as provided for in the Contract Documents. The Contractor shall
not stop the Work during the pendency of a bona fide dispute not involving
Contractor payment between the Owner and the Contractor.

     9.8 SUBSTANTIAL COMPLETION
     9.8.1 Substantial Completion is the stage in the progress of the Work when
the Work or designated portion thereof is sufficiently complete in accordance
with the Contract Documents and when all required occupancy permits within the
Contract of the Contractor, if any, have been issued so that the Owner can
occupy or utilize the Work for its intended use.

     9.8.2 When the Contractor considers that the Work, or a portion thereof
which the Owner agrees to accept separately, is substantially complete, the
Contractor shall prepare and submit to the Architect a comprehensive list of
items to be completed or corrected prior to final payment. Failure to include an
item on such list does not alter the responsibility of the Contractor to
complete all Work in accordance with the Contract Documents.

     9.8.3 Upon receipt of the Contractor's list, the Architect will make an
inspection to determine whether the Work or designated portion thereof is
substantially complete. If the Architect's inspection discloses any item,
whether or not included on the

<PAGE>

Contractor's list, which is not sufficiently complete in accordance with the
Contract Documents so that the Owner can occupy or utilize the Work or
designated portion thereof for its intended use, the Contractor shall, before
issuance of the Certificate of Substantial Completion, complete or correct such
item upon notification by the Architect. In such case, the Contractor shall then
submit a request for another inspection by the Architect to determine
Substantial Completion.

     9.8.4 When the Work or designated portion thereof is substantially
complete, the Architect will prepare a Certificate of Substantial Completion
which shall establish the date of Substantial Completion, shall establish
responsibilities of the Owner and Contractor for security, maintenance, heat,
utilities, damage to the Work and insurance, and shall fix the time within which
the Contractor shall finish all items on the list accompanying the Certificate.
Warranties required by the Contract Documents shall commence on the date of
Substantial Completion of the Work or designated portion thereof unless
otherwise provided in the Certificate of Substantial Completion. After
substantial completion, the Contractor shall secure and deliver to the Owner
written warranties and guarantees from its Subcontractors, Sub-subcontractors
and suppliers bearing the date of Substantial Completion or some other date as
may be agreed to by the contract documents. The Contractor is responsible for
the warranty of all Work, whether performed by it or by its subcontractors at
any time. The Contractor shall assemble for the Architect's approval three
complete copies in looseleaf binders all operating and maintenance data from all
manufacturers whose equipment or material is or will be installed in the work,
including names, addresses and telephone numbers of subcontractors, service
organizations, manufacturers, and sources for supply of parts. The Contractor
shall also prepare a checklist or schedule showing the type of lubricant to be
used at each point of application, and the intervals between lubrication for
each item or equipment.

     9.8.5 The Certificate of Substantial Completion shall be submitted to the
Owner and Contractor for their written acceptance of responsibilities assigned
to them in such Certificate. Upon such acceptance and consent of surety, if any,
the Owner shall make payment of retainage applying to such Work or designated
portion thereof. Such payment shall be adjusted for Work that is incomplete or
not in accordance with the requirements of the Contract Documents.

     9.9 PARTIAL OCCUPANCY OR USE
     9.9.1 The Owner may occupy or use any completed or partially completed
portion of the Work at any stage when such portion is designated by separate
agreement with the Contractor, provided such occupancy or use is consented to by
the insurer as required under Clause 11.4.1.5 and authorized by public
authorities having jurisdiction over the Work. Such partial occupancy or use may
commence whether or not the portion is substantially complete, provided the
Owner and Contractor have accepted in writing the responsibilities assigned to
each of them for payments, retainage, if any, security, maintenance, heat,
utilities, damage to the Work and insurance, and have agreed in writing
concerning the period for correction of the Work and commencement of warranties
required by the Contract Documents. When the Contractor considers a portion
substantially complete, the Contractor shall prepare and submit a list to the
Architect as provided under Subparagraph 9.8.2. Consent of the Contractor to
partial occupancy or use shall not be unreasonably withheld. The stage of the
progress of the Work shall be determined by written agreement between the Owner
and Contractor or, if no agreement is reached, by decision of the Architect.

     9.9.2 Immediately prior to such partial occupancy or use, the Owner,
Contractor and Architect shall jointly inspect the area to be occupied or
portion of the Work to be used in order to determine and record the condition of
the Work.

     9.9.3 Unless otherwise agreed upon, partial occupancy or use of a portion
or portions of the Work shall not constitute acceptance of Work not complying
with the requirements of the Contract Documents.

     9.10 FINAL COMPLETION AND FINAL PAYMENT
     9.10.1 Upon receipt of written notice that the Work is ready for final
inspection and acceptance and upon receipt of a final Application for Payment,
the Architect will promptly make such inspection and, when the Architect finds
the Work acceptable under the Contract Documents and the Contract fully
performed, the Architect will promptly issue a final Certificate for Payment
stating that to the best of the Architect's knowledge, information and belief,
and on the basis of the Architect's on-site visits and inspections, the Work has
been completed in accordance with terms and conditions of the Contract Documents
and that the entire balance found to be due the Contractor and noted in the
final Certificate is due and payable. The Architect's final Certificate for
Payment will constitute a further representation that conditions listed in
Subparagraph 9.10.2 as precedent to the Contractor's being entitled to final
payment have been fulfilled.

     9.10.2 Neither final payment nor any remaining retained percentage shall
become due until the Contractor submits to the Architect (1) an affidavit that
payrolls, bills for materials and equipment, and other indebtedness connected
with the Work for which the Owner or the Owner's property might be responsible
or encumbered (less amounts withheld by Owner) have been paid or will be paid as
follows: (i) with respect to previous Applications for Payment for which the
Contractor has been paid in full, such indebtedness has been paid or otherwise
satisfied, and (ii) with respect to the Application for Final Payment or other
Applications for Payment for which the Contractor has not received full payment,
such indebtedness will be paid only, as a condition precedent, promptly after
the Contractor's actual receipt of full payment from the Owner. (2) a
certificate evidencing that insurance required by the Contract Documents to
remain in force after final payment is currently in effect and will not be
canceled or allowed to expire until at least 30 days' prior written notice has
been given to the Owner, (3) a written statement that the Contractor knows of no
substantial reason that the insurance will not be renewable to cover the period
required by the Contract Documents, (4) consent of surety, if any, to

<PAGE>

final payment and (5), if required by the Owner, other data establishing payment
or satisfaction of obligations, such as receipts, releases and waivers of liens,
claims, security interests or encumbrances arising out of the Contract, to the
extent and in such form as may be designated by the Owner. If a Subcontractor
refuses to furnish a release or waiver required by the Owner, the Contractor may
furnish a bond satisfactory to the Owner to indemnify the Owner against such
lien. If such lien remains unsatisfied after payments are made, the Contractor
shall refund to the Owner all money that the Owner may be compelled to pay in
discharging such lien, including all costs and reasonable attorneys' fees.

     9.10.3 If, after Substantial Completion of the Work, final completion
thereof is materially delayed through no fault of the Contractor or by issuance
of Change Orders affecting final completion, and the Architect so confirms, the
Owner shall, upon application by the Contractor and certification by the
Architect, and without terminating the Contract, make payment of the balance due
for that portion of the Work fully completed and accepted. If the remaining
balance for Work not fully completed or corrected is less than retainage
stipulated in the Contract Documents, and if bonds have been furnished, the
written consent of surety to payment of the balance due for that portion of the
Work fully completed and accepted shall be submitted by the Contractor to the
Architect prior to certification of such payment. Such payment shall be made
under terms and conditions governing final payment, except that it shall not
constitute a waiver of claims.

     9.10.4 The making of final payment shall constitute a waiver of Claims by
the Owner except those arising from:

          .1   liens, Claims, security interests or encumbrances arising out of
               the Contract and unsettled;

          .2   failure of the Work to comply with the requirements of the
               Contract Documents; or

          .3   terms of special warranties required by the Contract Documents.

     9.10.5 Acceptance of final payment by the Contractor, a Subcontractor or
material supplier shall constitute a waiver of claims by that payee except those
previously made in writing and identified by that payee as unsettled at the time
of final Application for Payment. Contractor shall deliver to Owner a final
release on a form acceptable to the Owner upon receipt of final payment.

Insert G: 9.11 CONDITIONED PAYMENTS

Insert H:

Insert I: 9.11.1 Nothing in the Agreement or other Contract Documents is
intended and may not be construed to waive, abridge or adversely affect the
Contractor's right to make the Contractor's actual receipt of payment from the
Owner a condition precedent to the Contractor's payment (whether progress, final
or any other payment) to Subcontractors, suppliers or other contractees. If the
Contractor or its contractees are required to submit affidavits of payment,
waivers of rights, releases of claims, or the like, such requirements will not
be deemed effective as to unpaid contract balances and retainage until same are
actually received by the Contractor from the Owner.

ARTICLE 10 PROTECTION OF PERSONS AND PROPERTY

     10.1 SAFETY PRECAUTIONS AND PROGRAMS
     10.1.1 The Contractor shall be responsible for initiating, maintaining and
supervising all safety precautions and programs in connection with the
performance of the Contract.

     10.2 SAFETY OF PERSONS AND PROPERTY
     10.2.1 The Contractor shall take reasonable precautions for safety of, and
shall provide reasonable protection to prevent damage, injury or loss to:

          .1   employees on the Work and other persons who may be affected
               thereby;

          .2   the Work and materials and equipment to be incorporated therein,
               whether in storage on or off the site, under care, custody or
               control of the Contractor or the Contractor's Subcontractors or
               Sub-subcontractors; and

          .3   other property at the site or adjacent thereto, such as trees,
               shrubs, lawns, walks, pavements, roadways, structures and
               utilities not designated for removal, relocation or replacement
               in the course of construction.

     10.2.2 The Contractor shall give notices and comply with applicable laws,
ordinances, rules, regulations and lawful orders of public authorities bearing
on safety of persons or property or their protection from damage, injury or
loss.

<PAGE>

     10.2.3 The Contractor shall erect and maintain, as required by existing
conditions and performance of the Contract, reasonable safeguards for safety and
protection, including posting danger signs and other warnings against hazards,
promulgating safety regulations and notifying owners and users of adjacent sites
and utilities.

     10.2.4 When use or storage of explosives or other hazardous materials or
equipment or unusual methods are necessary for execution of the Work, the
Contractor shall exercise utmost care and carry on such activities under
supervision of properly qualified personnel.

     10.2.5 The Contractor shall promptly remedy damage and loss (other than
damage or loss insured under property insurance required by the Contract
Documents) to property referred to in Clauses 10.2.1.2 and 10.2.1.3 caused in
whole or in part by the Contractor, a Subcontractor, a Sub-subcontractor, or
anyone directly or indirectly employed by any of them, or by anyone for whose
acts they may be liable and for which the Contractor is responsible under
Clauses 10.2.1.2 and 10.2.1.3, except damage or loss attributable to acts or
omissions of the Owner or Architect or anyone directly or indirectly employed by
either of them, or by anyone for whose acts either of them may be liable, and
not attributable to the fault or negligence of the Contractor. The foregoing
obligations of the Contractor are in addition to the Contractor's obligations
under Paragraph 3.18.

     10.2.6 The Contractor shall designate a responsible member of the
Contractor's organization at the site whose duty shall be the prevention of
accidents. This person shall be the Contractor's superintendent unless otherwise
designated by the Contractor in writing to the Owner and Architect.

     10.2.7 The Contractor shall not load or permit any part of the construction
or site to be loaded so as to endanger its safety.

     10.3 HAZARDOUS MATERIALS
     10.3.1 If reasonable precautions will be inadequate to prevent foreseeable
bodily injury or death to persons resulting from a material or substance,
including but not limited to asbestos or polychlorinated biphenyl (PCB),
encountered on the site by the Contractor, the Contractor shall, upon
recognizing the condition, immediately stop Work in the affected area and report
the condition to the Owner and Architect in writing.

     10.3.2 The Owner shall obtain the services of a licensed laboratory to
verify the presence or absence of the material or substance reported by the
Contractor and, in the event such material or substance is found to be present,
to verify that it has been rendered harmless. Unless otherwise required by the
Contract Documents, the Owner shall furnish in writing to the Contractor and
Architect the names and qualifications of persons or entities who are to perform
tests verifying the presence or absence of such material or substance or who are
to perform the task of removal or safe containment of such material or
substance. The Contractor and the Architect will promptly reply to the Owner in
writing stating whether or not either has reasonable objection to the persons or
entities proposed by the Owner. If either the Contractor or Architect has an
objection to a person or entity proposed by the Owner, the Owner shall propose
another to whom the Contractor and the Architect have no reasonable objection.
When the material or substance has been rendered harmless, Work in the affected
area shall resume upon written agreement of the Owner and Contractor. The
Contract Time shall be extended appropriately and the Contract Sum shall be
increased in the amount of the Contractor's reasonable additional costs of
shut-down, delay and start-up, which adjustments shall be accomplished as
provided in Article 7.

     10.3.3 To the fullest extent permitted by law, the Owner shall indemnify
and hold harmless the Contractor, Subcontractors, Architect, Architect's
consultants and agents and employees of any of them from and against claims,
damages, losses and expenses, including but not limited to attorneys' fees,
arising out of or resulting from performance of the Work in the affected area if
in fact the material or substance presents the risk of bodily injury or death as
described in Subparagraph 10.3.1 and has not been rendered harmless, provided
that such claim, damage, loss or expense is attributable to bodily injury,
sickness, disease or death, or to injury to or destruction of tangible property
(other than the Work itself) and provided that such damage, loss or expense is
not due to the sole negligence of a party seeking indemnity.

     10.4 The Owner shall not be responsible under Paragraph 10.3 for materials
and substances brought to the site by the Contractor unless such materials or
substances were required by the Contract Documents.

     10.5 If, without negligence on the part of the Contractor, the Contractor
is held liable for the cost of remediation of a hazardous material or substance
solely by reason of performing Work as required by the Contract Documents, the
Owner shall indemnify the Contractor for all cost and expense thereby incurred.

     10.6 EMERGENCIES
     10.6.1 In an emergency affecting safety of persons or property, the
Contractor shall act, at the Contractor's discretion, to prevent threatened
damage, injury or loss. Additional compensation or extension of time claimed by
the Contractor on account of an emergency shall be determined as provided in
Paragraph 4.3 and Article 7.

<PAGE>

ARTICLE 11 INSURANCE AND BONDS

     11.1 CONTRACTOR'S LIABILITY INSURANCE
     11.1.1 The Contractor shall purchase from and maintain in a company or
companies lawfully authorized to do business in the jurisdiction in which the
Project is located and acceptable to Owner such insurance as will protect the
Contractor from claims set forth below which may arise out of or result from the
Contractor's operations under the Contract and for which the Contractor may be
legally liable, whether such operations be by the Contractor or by a
Subcontractor or by anyone directly or indirectly employed by any of them, or by
anyone for whose acts any of them may be liable:

          .1   claims under workers' compensation, disability benefit and other
               similar employee benefit acts which are applicable to the Work to
               be performed;

          .2   claims for damages because of bodily injury, occupational
               sickness or disease, or death of the Contractor's employees;

          .3   claims for damages because of bodily injury, sickness or disease,
               or death of any person other than the Contractor's employees;

          .4   claims for damages insured by usual personal injury liability
               coverage;

          .5   claims for damages, other than to the Work itself, because of
               injury to or destruction of tangible property, including loss of
               use resulting therefrom;

          .6   claims for damages because of bodily injury, death of a person or
               property damage arising out of ownership, maintenance or use of a
               motor vehicle;

          .7   claims for bodily injury or property damage arising out of
               completed operations; and

          .8   claims involving contractual liability insurance applicable to
               the Contractor's obligations under Paragraph 3.18.

     11.1.2 The insurance required by Subparagraph 11.1.1 shall be written for
not less than limits of liability specified in the Contract Documents or
required by law, whichever coverage is greater. Coverages, whether written on an
occurrence or claims-made basis, shall be maintained without interruption from
date of commencement of the Work until date of final payment and termination of
any coverage required to be maintained after final payment.

     11.1.3 Certificates of insurance acceptable to the Owner shall be filed
with the Owner prior to commencement of the Work. These certificates and the
insurance policies required by this Paragraph 11.1 shall contain a provision
that coverages afforded under the policies will not be canceled or allowed to
expire until at least 30 days' prior written notice has been given to the Owner.
If any of the foregoing insurance coverages are required to remain in force
after final payment and are reasonably available, an additional certificate
evidencing continuation of such coverage shall be submitted with the final
Application for Payment as required by Subparagraph 9.10.2. Information
concerning reduction of coverage on account of revised limits or claims paid
under the General Aggregate, or both, shall be furnished by the Contractor with
reasonable promptness in accordance with the Contractor's information and
belief.

     11.2 OWNER'S LIABILITY INSURANCE
     11.2.1 The Owner shall be responsible for purchasing and maintaining the
Owner's usual liability insurance.

     11.3 PROJECT MANAGEMENT PROTECTIVE LIABILITY INSURANCE
     11.3.1 Optionally, the Owner may require the Contractor to purchase and
maintain Project Management Protective Liability insurance from the Contractor's
usual sources as primary coverage for the Owner's, Contractor's and Architect's
vicarious liability for construction operations under the Contract. Unless
otherwise required by the Contract Documents, the Owner shall reimburse the
Contractor by increasing the Contract Sum to pay the cost of purchasing and
maintaining such optional insurance coverage, and the Contractor shall not be
responsible for purchasing any other liability insurance on behalf of the Owner.
The minimum limits of liability purchased with such coverage shall be equal to
the aggregate of the limits required for Contractor's Liability Insurance under
Clauses 11.1.1.2 through 11.1.1.5.

     11.3.2 To the extent damages are covered by Project Management Protective
Liability insurance, the Owner, Contractor and Architect waive all rights
against each other for damages, except such rights as they may have to the
proceeds of such insurance. The policy shall provide for such waivers of
subrogation by endorsement or otherwise.

<PAGE>

     11.3.3 The Owner shall not require the Contractor to include the Owner,
Architect or other persons or entities as additional insureds on the
Contractor's Liabilities Insurance coverage under Paragraph 11.1.

     11.4 PROPERTY INSURANCE
     11.4.1 Unless otherwise provided, the Owner shall purchase and maintain, in
a company or companies lawfully authorized to do business in the jurisdiction in
which the Project is located, property insurance written on a builder's risk
"all-risk" or equivalent policy form in the amount of the initial Contract Sum,
plus value of subsequent Contract modifications and cost of materials supplied
or installed by others, comprising total value for the entire Project at the
site on a replacement cost basis without optional deductibles. Such property
insurance shall be maintained, unless otherwise provided in the Contract
Documents or otherwise agreed in writing by Owner and Contractor, until final
payment has been made as provided in Paragraph 9.10 to be covered, whichever is
later. This insurance shall include interests of the Owner, the Contractor,
Subcontractors and Sub-subcontractors in the Project.

     11.4.1.1 Property insurance shall be on an "all-risk" or equivalent policy
form and shall include, without limitation, insurance against the perils of fire
(with extended coverage) and physical loss or damage including, without
duplication of coverage, theft, vandalism, malicious mischief, collapse,
earthquake, flood, windstorm, falsework, testing and startup, temporary
buildings and debris removal including demolition occasioned by enforcement of
any applicable legal requirements, and shall cover reasonable compensation for
Architect's and Contractor's services and expenses required as a result of such
insured loss.

     11.4.1.2 If the Owner does not intend to purchase such property insurance
required by the Contract and with all of the coverages in the amount described
above, the Owner shall so inform the Contractor in writing prior to commencement
of the Work. The Contractor may then effect insurance which will protect the
interests of the Contractor, Subcontractors and Sub-subcontractors in the Work,
and by appropriate Change Order the cost thereof shall be charged to the Owner.
If the Contractor is damaged by the failure or neglect of the Owner to purchase
or maintain insurance as described above, without so notifying the Contractor in
writing, then the Owner shall bear all reasonable costs properly attributable
thereto.

     11.4.1.3 If the property insurance requires deductibles, the Owner shall
pay costs in excess of $1,000.00 not covered because of such deductibles and
Contractor shall be responsible for the first $1,000.00 of the deductible for a
claim of property damage under the Builder's Risk or equivalent policy.

     11.4.1.4 This property insurance shall cover portions of the Work stored
off the site, and also portions of the Work in transit.

     11.4.1.5 Partial occupancy or use in accordance with Paragraph 9.9 shall
not commence until the insurance company or companies providing property
insurance have consented to such partial occupancy or use by endorsement or
otherwise. The Owner and the Contractor shall take reasonable steps to obtain
consent of the insurance company or companies and shall, without mutual written
consent, take no action with respect to partial occupancy or use that would
cause cancellation, lapse or reduction of insurance.

     11.4.2 BOILER AND MACHINERY INSURANCE. The Owner shall purchase and
maintain boiler and machinery insurance required by the Contract Documents or by
law, which shall specifically cover such insured objects during installation and
until final acceptance by the Owner; this insurance shall include interests of
the Owner, Contractor, Subcontractors and Sub-subcontractors in the Work, and
the Owner and Contractor shall be named insureds.

     11.4.3 LOSS OF USE INSURANCE. The Owner, at the Owner's option, may
purchase and maintain such insurance as will insure the Owner against loss of
use of the Owner's property due to fire or other hazards, however caused. The
Owner waives all rights of action against the Contractor for loss of use of the
Owner's property, including consequential losses due to fire or other hazards
however caused.

     11.4.4 If the Contractor requests in writing that insurance for risks other
than those described herein or other special causes of loss be included in the
property insurance policy, the Owner shall, if possible, include such insurance,
and the cost thereof shall be charged to the Contractor by appropriate Change
Order.

     11.4.5 If during the Project construction period the Owner insures
properties, real or personal or both, at or adjacent to the site by property
insurance under policies separate from those insuring the Project, or if after
final payment property insurance is to be provided on the completed Project
through a policy or policies other than those insuring the Project during the
construction period, the Owner shall waive all rights in accordance with the
terms of Subparagraph 11.4.7 for damages caused by fire or other causes of loss
covered by this separate property insurance. All separate policies shall provide
this waiver of subrogation by endorsement or otherwise.

     11.4.6 Before an exposure to loss may occur, the Owner shall file with the
Contractor a copy of each policy that includes insurance coverages required by
this Paragraph 11.4. Each policy shall contain all generally applicable
conditions, definitions,

<PAGE>

exclusions and endorsements related to this Project. Each policy shall contain a
provision that the policy will not be canceled or allowed to expire, and that
its limits will not be reduced, until at least 30 days' prior written notice has
been given to the Contractor.

     11.4.7 Waivers of Subrogation. The Owner and Contractor waive all rights
against (1) each other and any of their subcontractors, sub-subcontractors,
agents and employees, each of the other, and (2) the Architect, Architect's
consultants, separate contractors described in Article 6, if any, and any of
their subcontractors, sub-subcontractors, agents and employees, for damages
caused by fire or other causes of loss to the extent covered by property
insurance obtained pursuant to this Paragraph 11.4 or other property insurance
applicable to the Work, except such rights as they have to proceeds of such
insurance held by the Owner as fiduciary. The Owner or Contractor, as
appropriate, shall require of the Architect, Architect's consultants, separate
contractors described in Article 6, if any, and the subcontractors,
sub-subcontractors, agents and employees of any of them, by appropriate
agreements, written where legally required for validity, similar waivers each in
favor of other parties enumerated herein. The policies shall provide such
waivers of subrogation by endorsement or otherwise. A waiver of subrogation
shall be effective as to a person or entity even though that person or entity
would otherwise have a duty of indemnification, contractual or otherwise, did
not pay the insurance premium directly or indirectly, and whether or not the
person or entity had an insurable interest in the property damaged.

     11.4.8 A loss insured under Owner's property insurance shall be adjusted by
the Owner as fiduciary and made payable to the Owner as fiduciary for the
insureds, as their interests may appear, subject to requirements of any
applicable mortgagee clause and of Subparagraph 11.4.10. The Contractor shall
pay Subcontractors their just shares of insurance proceeds received by the
Contractor, and by appropriate agreements, written where legally required for
validity, shall require Subcontractors to make payments to their
Sub-subcontractors in similar manner.

     11.4.9 If required in writing by a party in interest, the Owner as
fiduciary shall, upon occurrence of an insured loss, give bond for proper
performance of the Owner's duties. The cost of required bonds shall be charged
against proceeds received as fiduciary. The Owner shall deposit in a separate
account proceeds so received, which the Owner shall distribute in accordance
with such agreement as the parties in interest may reach, or in accordance with
an arbitration award in which case the procedure shall be as provided in
Paragraph 4.6. If after such loss no other special agreement is made and unless
the Owner terminates the Contract for convenience, replacement of damaged
property shall be performed by the Contractor after notification of a Change in
the Work in accordance with Article 7.

     11.4.10 The Owner as fiduciary shall have power to adjust and settle a loss
with insurers unless one of the parties in interest shall object in writing
within five days after occurrence of loss to the Owner's exercise of this power;
if such objection is made, the dispute shall be resolved as provided in
Paragraphs 4.5 and 4.6. The Owner as fiduciary shall, in the case of
arbitration, make settlement with insurers in accordance with directions of the
arbitrators. If distribution of insurance proceeds by arbitration is required,
the arbitrators will direct such distribution.

     11.5 PERFORMANCE BOND AND PAYMENT BOND
     11.5.1 The Owner shall have the right to require the Contractor to furnish
bonds covering faithful performance of the Contract and payment of obligations
arising thereunder as stipulated in bidding requirements or specifically
required in the Contract Documents on the date of execution of the Contract.

     11.5.2 Upon the request of any person or entity appearing to be a potential
beneficiary of bonds covering payment of obligations arising under the Contract,
the Contractor shall promptly furnish a copy of the bonds or shall permit a copy
to be made.

ARTICLE 12 UNCOVERING AND CORRECTION OF WORK

     12.1 UNCOVERING OF WORK
     12.1.1 If a portion of the Work is covered contrary to the Architect's
request or to requirements specifically expressed in the Contract Documents, it
must, if required in writing by the Architect, be uncovered for the Architect's
examination and be replaced at the Contractor's expense without change in the
Contract Time.

     12.1.2 If a portion of the Work has been covered which the Architect has
not specifically requested to examine prior to its being covered, the Architect,
with Owner's approval, may request to see such Work and it shall be uncovered by
the Contractor. If such Work is in accordance with the Contract Documents, costs
of uncovering and replacement shall, by appropriate Change Order, be at the
Owner's expense. If such Work is not in accordance with the Contract Documents,
correction shall be at the Contractor's expense unless the condition was caused
by the Owner or a separate contractor in which event the Owner shall be
responsible for payment of such costs.

     12.2 CORRECTION OF WORK
     12.2.1 BEFORE OR AFTER SUBSTANTIAL COMPLETION

     12.2.1.1 The Contractor shall promptly correct Work rejected by the
Architect or failing to conform to the requirements of the Contract Documents,
whether discovered before or after Substantial Completion and whether or not
fabricated,

<PAGE>

installed or completed. Costs of correcting such rejected Work, including
additional testing and inspections and compensation for the Architect's services
and expenses made necessary thereby, shall be at the Contractor's expense.

     12.2.2 AFTER SUBSTANTIAL COMPLETION

     12.2.2.1 In addition to the Contractor's obligations under Paragraph 3.5,
if, within one year after the date of Substantial Completion of the Work or
designated portion thereof or after the date for commencement of warranties
established under Subparagraph 9.9.1, or by terms of an applicable special
warranty required by the Contract Documents, any of the Work is found to be not
in accordance with the requirements of the Contract Documents, the Contractor
shall correct it promptly after receipt of written notice from the Owner to do
so unless the Owner has previously given the Contractor a written acceptance of
such condition. The Owner shall give such notice promptly after discovery of the
condition. During the one-year period for correction of Work, if the Owner fails
to notify the Contractor and give the Contractor an opportunity to make the
correction, the Owner waives the rights to require correction by the Contractor
and to make a claim for breach of warranty. If the Contractor fails to correct
nonconforming Work within a reasonable time during that period after receipt of
notice from the Owner or Architect, the Owner may correct it in accordance with
Paragraph 2.4.

     12.2.2.2 The one-year period for correction of Work shall be extended with
respect to portions of Work first performed after Substantial Completion by the
period of time between Substantial Completion and the actual performance of the
Work.

     12.2.2.3 The one-year period for correction of Work shall not be extended
by corrective Work performed by the Contractor pursuant to this Paragraph 12.2.

     12.2.3 The Contractor shall remove from the site portions of the Work which
are not in accordance with the requirements of the Contract Documents and are
neither corrected by the Contractor nor accepted by the Owner.

     12.2.4 The Contractor shall bear the cost of correcting destroyed or
damaged construction, whether completed or partially completed, of the Owner or
separate contractors caused by the Contractor's correction or removal of Work
which is not in accordance with the requirements of the Contract Documents.

     12.2.5 Nothing contained in this Paragraph 12.2 shall be construed to
establish a period of limitation with respect to other obligations which the
Contractor might have under the Contract Documents. Establishment of the
one-year period for correction of Work as described in Subparagraph 12.2.2
relates only to the specific obligation of the Contractor to correct the Work,
and has no relationship to the time within which the obligation to comply with
the Contract Documents may be sought to be enforced, nor to the time within
which proceedings may be commenced to establish the Contractor's liability with
respect to the Contractor's obligations other than specifically to correct the
Work.

     12.3 ACCEPTANCE OF NONCONFORMING WORK
     12.3.1 If the Owner prefers to accept Work which is not in accordance with
the requirements of the Contract Documents, the Owner may do so instead of
requiring its removal and correction, in which case the Contract Sum will be
reduced as appropriate and equitable. Such adjustment shall be effected whether
or not final payment has been made.

ARTICLE 13 MISCELLANEOUS PROVISIONS

     13.1 GOVERNING LAW
     13.1.1 The Contract shall be governed by the law of the place where the
Project is located.

     13.2 SUCCESSORS AND ASSIGNS
     13.2.1 The Owner and Contractor respectively bind themselves, their
partners, successors, assigns and legal representatives to the other party
hereto and to partners, successors, assigns and legal representatives of such
other party in respect to covenants, agreements and obligations contained in the
Contract Documents. Except as provided in Subparagraph 13.2.2, neither party to
the Contract shall assign the Contract as a whole without written consent of the
other. If either party attempts to make such an assignment without such consent,
that party shall nevertheless remain legally responsible for all obligations
under the Contract.

     13.2.2 The Owner may, without consent of the Contractor, assign the
Contract to an institutional lender providing construction financing for the
Project. In such event, the lender shall assume the Owner's rights and
obligations under the Contract Documents. The Contractor shall execute all
consents reasonably required to facilitate such assignment.

     13.3 WRITTEN NOTICE
     13.3.1 Written notice shall be deemed to have been duly served if delivered
in person to the individual or a member of the firm or entity or to an officer
of the corporation for which it was intended, or if delivered at or sent by
registered or certified mail to the last business address known to the party
giving notice.

<PAGE>

     13.4 RIGHTS AND REMEDIES
     13.4.1 Duties and obligations imposed by the Contract Documents and rights
and remedies available thereunder shall be in addition to and not a limitation
of duties, obligations, rights and remedies otherwise imposed or available by
law.

     13.4.2 No action or failure to act by the Owner, Architect or Contractor
shall constitute a waiver of a right or duty afforded them under the Contract,
nor shall such action or failure to act constitute approval of or acquiescence
in a breach thereunder, except as may be specifically agreed in writing.

     13.5 TESTS AND INSPECTIONS
     13.5.1 Tests, inspections and approvals of portions of the Work required by
the Contract Documents or by laws, ordinances, rules, regulations or orders of
public authorities having jurisdiction shall be made at an appropriate time.
Unless otherwise provided, the Owner shall make arrangements for such tests,
inspections and approvals with an independent testing laboratory or entity
acceptable to the Owner, or with the appropriate public authority, and shall
bear all related costs of tests, inspections and approvals. The Contractor shall
give the Architect timely notice of when and where tests and inspections are to
be made so that the Architect may be present for such procedures. The Owner
shall bear costs of tests, inspections or approvals which do not become
requirements until after bids are received or negotiations concluded.

     13.5.2 If the Architect, Owner or public authorities having jurisdiction
determine that portions of the Work require additional testing, inspection or
approval not included under Subparagraph 13.5.1, the Architect will, upon
written authorization from the Owner, instruct the Contractor to make
arrangements for such additional testing, inspection or approval by an entity
acceptable to the Owner, and the Contractor shall give timely notice to the
Architect of when and where tests and inspections are to be made so that the
Architect may be present for such procedures. Such costs, except as provided in
Subparagraph 13.5.3, shall be at the Owner's expense.

     13.5.3 If such procedures for testing, inspection or approval under
Subparagraphs 13.5.1 and 13.5.2 reveal failure of the portions of the Work to
comply with requirements established by the Contract Documents, all costs made
necessary by such failure including those of repeated procedures and
compensation for the Architect's services and expenses shall be at the
Contractor's expense.

     13.5.4 Required certificates of testing, inspection or approval shall,
unless otherwise required by the Contract Documents, be secured by the
Contractor and promptly delivered to the Architect.

     13.5.5 If the Architect is to observe tests, inspections or approvals
required by the Contract Documents, the Architect will do so promptly and, where
practicable, at the normal place of testing.

     13.5.6 Tests or inspections conducted pursuant to the Contract Documents
shall be made promptly to avoid unreasonable delay in the Work.

     13.6 INTEREST
     13.6.1 Payments due and unpaid under the Contract Documents shall bear
interest from the date payment is due at such rate as the parties may agree upon
in writing or, in the absence thereof, at the legal rate prevailing from time to
time at the place where the Project is located.

     13.7 COMMENCEMENT OF STATUTORY LIMITATION PERIOD
     13.7.1 As between the Owner and Contractor:

          .1   BEFORE SUBSTANTIAL COMPLETION. As to acts or failures to act
               occurring prior to the relevant date of Substantial Completion,
               any applicable statute of limitations shall commence to run and
               any alleged cause of action shall be deemed to have accrued in
               any and all events not later than such date of Substantial
               Completion;

          .2   BETWEEN SUBSTANTIAL COMPLETION AND FINAL CERTIFICATE FOR PAYMENT.
               As to acts or failures to act occurring subsequent to the
               relevant date of Substantial Completion and prior to issuance of
               the final Certificate for Payment, any applicable statute of
               limitations shall commence to run and any alleged cause of action
               shall be deemed to have accrued in any and all events not later
               than the date of issuance of the final Certificate for Payment;
               and

          .3   AFTER FINAL CERTIFICATE FOR PAYMENT. As to acts or failures to
               act occurring after the relevant date of issuance of the final
               Certificate for Payment, any applicable statute of limitations
               shall commence to run and any alleged cause of action shall be
               deemed to have accrued in any and all events not later than the
               date of any act or failure to act by the Contractor pursuant to
               any Warranty provided under Paragraph 3.5, the date

<PAGE>

               of any correction of the Work or failure to correct the Work by
               the Contractor under Paragraph 12.2, or the date of actual
               commission of any other act or failure to perform any duty or
               obligation by the Contractor or Owner, whichever occurs last.

ARTICLE 14 TERMINATION OR SUSPENSION OF THE CONTRACT

     14.1 TERMINATION BY THE CONTRACTOR
     14.1.1 The Contractor may terminate the Contract if the Work is stopped for
a period of 30 consecutive days through no act or fault of the Contractor or a
Subcontractor, Sub-subcontractor or their agents or employees or any other
persons or entities performing portions of the Work under direct or indirect
contract with the Contractor, for any of the following reasons:

          .1   issuance of an order of a court or other public authority having
               jurisdiction which requires all Work to be stopped;

          .2   an act of government, such as a declaration of national emergency
               which requires all Work to be stopped;

          .3   because the Architect has not issued a Certificate for Payment
               and has not notified the Contractor of the reason for withholding
               certification as provided in Subparagraph 9.4.1, or because the
               Owner has not made payment on a Certificate for Payment within
               the time stated in the Contract Documents; or

          .4   [Intentionally Omitted]

     14.1.2 The Contractor may terminate the Contract if, through no act or
fault of the Contractor or a Subcontractor, Sub-subcontractor or their agents or
employees or any other persons or entities performing portions of the Work under
direct or indirect contract with the Contractor, repeated suspensions, delays or
interruptions of the entire Work by the Owner as described in Paragraph 14.3
constitute in the aggregate more than 100 percent of the total number of days
scheduled for completion, or 120 days in any 365-day period, whichever is less.

     14.1.3 If one of the reasons described in Subparagraph 14.1.1 or 14.1.2
exists, the Contractor may, upon seven days' written notice to the Owner and
Architect, terminate the Contract and recover from the Owner payment for Work
executed and for proven loss with respect to materials, equipment, tools, and
construction equipment and machinery, including reasonable overhead, profit and
damages.

     14.1.4 If the Work is stopped for a period of 60 consecutive days through
no act or fault of the Contractor or a Subcontractor or their agents or
employees or any other persons performing portions of the Work under contract
with the Contractor because the Owner has persistently failed to fulfill the
Owner's obligations under the Contract Documents with respect to matters
important to the progress of the Work, the Contractor may, upon seven additional
days' written notice to the Owner and the Architect, terminate the Contract and
recover from the Owner as provided in Subparagraph 14.1.3.

     14.2 TERMINATION BY THE OWNER FOR CAUSE
     14.2.1 The Owner may terminate the Contract if the Contractor:

          .1   persistently or repeatedly refuses or fails to supply enough
               properly skilled workers or proper materials;

          .2   fails to make payment to Subcontractors for materials or labor in
               accordance with the respective agreements between the Contractor
               and the Subcontractors;

          .3   persistently disregards laws, ordinances, or rules, regulations
               or orders of a public authority having jurisdiction; or

          .4   otherwise is guilty of substantial breach of a provision of the
               Contract Documents.

Insert J: .5 notwithstanding anything to the contrary herein the Owner shall
give the Contractor written notice of grounds for termination for cause and
afford the Contractor reasonable opportunity to cure before exercising any
rights or remedies under Paragraph 14.2

     14.2.2 When any of the above reasons exist, the Owner, upon certification
by the Architect that sufficient cause exists to justify such action, may
without prejudice to any other rights or remedies of the Owner and after giving
the Contractor and the Contractor's surety, if any, seven days' written notice,
terminate employment of the Contractor and may, subject to any prior rights of
the surety:

<PAGE>

          .1   take possession of the site and of all materials, equipment,
               tools, and construction equipment and machinery thereon owned by
               the Contractor;

          .2   accept assignment of subcontracts pursuant to Paragraph 5.4; and

          .3   finish the Work by whatever reasonable method the Owner may deem
               expedient. Upon request of the Contractor, the Owner shall
               furnish to the Contractor a detailed accounting of the costs
               incurred by the Owner in finishing the Work.

     14.2.3 When the Owner terminates the Contract for one of the reasons stated
in Subparagraph 14.2.1, the Contractor shall not be entitled to receive further
payment until the Work is finished.

     14.2.4 If the unpaid balance of the Contract Sum exceeds costs of finishing
the Work, including compensation for the Architect's services and expenses made
necessary thereby, and other damages incurred by the Owner and not expressly
waived, such excess shall be paid to the Contractor. If such costs and damages
exceed the unpaid balance, the Contractor shall pay the difference to the Owner.
The amount to be paid to the Contractor or Owner, as the case may be, shall be
certified by the Architect, upon application, and this obligation for payment
shall survive termination of the Contract.

     14.3 SUSPENSION BY THE OWNER FOR CONVENIENCE
     14.3.1 The Owner may, without cause, order the Contractor in writing to
suspend, delay or interrupt the Work in whole or in part for such period of time
as the Owner may determine.

     14.3.2 The Contract Sum and Contract Time shall be adjusted for increases
in the cost and time caused by suspension, delay or interruption as described in
Subparagraph 14.3.1. Adjustment of the Contract Sum shall include profit. No
adjustment shall be made to the extent:

          .1   that performance is, was or would have been so suspended, delayed
               or interrupted by another cause for which the Contractor is
               responsible; or

          .2   that an equitable adjustment is made or denied under another
               provision of the Contract.

     14.4 TERMINATION BY THE OWNER FOR CONVENIENCE
     14.4.1 The Owner may, at any time, terminate the Contract for the Owner's
convenience and without cause.

     14.4.2 Upon receipt of written notice from the Owner of such termination
for the Owner's convenience, the Contractor shall:

          .1   cease operations as directed by the Owner in the notice;

          .2   take actions necessary, or that the Owner may direct, for the
               protection and preservation of the Work; and

          .3   except for Work directed to be performed prior to the effective
               date of termination stated in the notice, terminate all existing
               subcontracts and purchase orders and enter into no further
               subcontracts and purchase orders.

     14.4.3 In case of such termination for the Owner's convenience, the
Contractor shall be entitled to receive payment for Work done by Contractor to
the date of termination not previously paid for, less sums already received by
Contractor on account of the portion of the Work performed. If at the date of
such termination, Contractor has properly prepared or fabricated off the Project
site any goods for subsequent incorporation in the Work, and if Contractor
delivers such goods to the Project site or to such other place as the Owner
shall reasonably direct, the Contractor shall be paid for such goods or
materials.EXHIBIT 10.18

                      WESTCHASE PARK OFFICE BUILDING LEASE

     THIS LEASE,  made this 12th day of  October,  2001,  by and  between  CROWN
DIVERSIFIED  INDUSTRIES  CORP.  (hereinafter  referred  to as  "Landlord"),  and
CONNECTRIA  CORPORATION,  a Missouri  corporation  (hereinafter  referred  to as
"Tenant");

     WITNESSETH:

     1.  LEASED  PREMISES.  Landlord  hereby  demises  and leases to Tenant that
certain  space known and  numbered as Suite 300,  10845 Olive  Boulevard,  Creve
Coeur,  Missouri 63141,  containing  approximately 7,713 rentable square feet of
space,  (hereinafter referred to as the "Premises"),  plus the use of all common
areas in and around  Landlord's  building  (is  hereinafter  referred  to as the
"Property"). Said space shall be used exclusively for general office use. Tenant
acknowledges  that  Landlord  has made no  representation  with  respect  to any
alterations,  repairs,  or  improvements  to be constructed  within the Premises
except for those items set forth in Exhibit "B". Landlord shall use commercially
reasonable  standards,  consistently  applied,  in  determining  the size of the
rentable  area of the Premises and the  rentable  area of other  premises at the
Property.

     2.  COMMENCEMENT.  The term of this Lease shall be five (5) years, and zero
months  commencing  on the later of (i)  January 1, 2002,  or (ii) the date upon
which  Landlord  delivers  possession  of  the  space  to  Tenant.  Delivery  of
possession  of the space by Landlord  to Tenant  shall be defined as the date on
which Landlord has  substantially  completed  Landlord's Work in accordance with
Exhibit B, attached hereto and incorporated  herein by reference,  and shall not
be extended due to the failure of the Tenant to complete any portion of Tenant's
Work, the failure of Tenant to apply for or receive  applicable  permits related
to  Tenant's  Work,  or the failure of the  Landlord to complete  any portion of
Landlord's  Work caused by the failure of the Tenant to complete  any portion of
Tenant's Work.  Subject to executing the Lease and having  mutually  agreed upon
Plans and  Specification  on or before  October 12, 2001,  if Landlord  does not
complete  Landlord's  Work on or before  January 1, 2002 then, if for any reason
other than delays caused by Tenant in breach of its obligations  hereunder,  (i)
the rent  shall be abated  from and after  January 1, 2002 two (2) days for each
day from and after January 1, 2002 until Landlord's Work is completed.

     3.  RENT.  (a) Base.  Tenant  shall pay to  Landlord  as base rent for said
Premises the sum of One Hundred  Forty Six Thousand Five Hundred Forty Seven and
00/100 Dollars  ($146,547.00),  per annum, payable in equal monthly installments
of Twelve  Thousand Two Hundred Twelve and 25/100 Dollars  ($12,212.25)  for the
periods January 1, 2002,  through  December 31, 2004; and One Hundred Fifty Four
Thousand Two Hundred Sixty and 00/100 Dollars  ($154,260.00) per annum,  payable
in equal monthly  installment of Twelve  Thousand  Eight Hundred  Fifty-Five and
00/100 Dollars  ($12,855.00)  for the periods January 1, 2005,  through December
31, 2006 each,  on the first day of each  calendar  month,  in advance,  without
setoff or deduction, at the office of Landlord.

     (b) Additional. Tenant shall pay to Landlord as additional rent, and in the
manner set forth in 3(a),  above,  Tenant's  pro-rata  share of any  increase in
taxes and  operating  expenses  over the  actual  taxes and  operating  expenses
incurred by  Landlord  for the 2002  calendar  year.  Notwithstanding  any other
provision of this Lease to the contrary,  taxes and operating expenses shall not
increase by more than ten percent (10%) over the immediately  preceding calendar
year.  Tenant's  pro-rata  share shall be payable to Landlord  monthly,  without
interest  accruing  thereon,  based upon the previous year's taxes and operating
expenses,  with a final adjustment to be made between Landlord and Tenant within
thirty  (30) days  after  receipt  of  Landlord's  statement  at the end of each
calendar  year.  Tenant's  pro-rata  share shall be  equitably  adjusted for any
partial month(s) or year(s) of the term of this Lease.  Tenant's  pro-rata share
is 12.45% of the  Property.  Taxes shall  include  without  limitation  any tax,
assessment,  or  governmental  charge  ("Tax")  imposed  against  the  Property.
Notwithstanding the foregoing,  the term Tax as defined herein shall not include
franchise,  estate,  inheritance,  income, or other taxes measured or determined
based upon Landlord's income,  including without limitation any taxes on rentals
payable by Tenant  (except to the extent the same may be  assessed  or levied in
substitution  for ad  valorem  real  estate  taxes)  or on income  derived  from
mortgages  or deeds of trust  encumbering  the Leased  Premises,  or on any gain
realized by Landlord in connection with the sale of the Leased Property.  In the
event Landlord is assessed with a Tax which Landlord, in its sole

                                                                      Initialed:
                                                                         /s/ RSW
                                       1
<PAGE>

discretion,  deems  excessive,  Landlord  may  challenge  said Tax or may  defer
compliance  therewith to the extent legally permitted;  and in the event thereof
Tenant shall be liable for its pro-rata  share of all costs in  connection  with
such  challenge.  Operating  expenses shall include the total costs and expenses
incurred  by Landlord in  operating  and  maintaining  the  Property  including,
without  limitation,  management  fees not to exceed five  percent (5%) of gross
rentals  from the  Property,  costs for repairs and  maintenance,  ground  lease
payments,   and  premiums  for  liability,   property  damage,   fire,   workers
compensation, rent and any and all other insurance carried by Landlord on or for
the Property.

Operating  expenses  shall  also  include  the  amortized  cost  of any  capital
improvement made after completion of initial  construction of the Property which
reduces other operating  expenses,  but in an amount not to exceed the reduction
of operating  expenses  for the  relevant  year.  Operating  expenses  shall not
include capital  improvements (other than aforesaid),  franchise taxes or income
taxes, nor the cost of any work performed for any tenant finish

Notwithstanding any other provision of this Lease to the contrary, the following
items shall be excluded from operating expenses:

     (1)  leasing  commissions,  fees and  costs,  advertising  and  promotional
          expenses and other costs incurred in procuring tenants;
     (2)  tenant improvement work for any tenant, including tenant;
     (3)  financing  costs  including  interest and  principal  amortization  of
          debts;
     (4)  rental on ground leases or other underlying leases;
     (5)  wages,  bonuses and other compensation of employees above the grade of
          building  manager,  and fringe benefits other than insurance plans and
          tax-qualified benefit plans;
     (6)  any  liabilities,  costs or  expenses  associated  with or incurred in
          connection  with  the  removal,  enclosure,   encapsulation  or  other
          handling  of  asbestos  or  other  hazardous  or  toxic  materials  or
          substances not caused by Tenant;
     (7)  costs of any items for which  Landlord is or is entitled to be paid or
          reimbursed by insurance;
     (8)  increased insurance or real estate taxes assessed  specifically to any
          tenant  of  the  Property  or  for  which   Landlord  is  entitled  to
          reimbursement from any other tenant;
     (9)  charges for  electricity,  water,  or other  utilities and  applicable
          taxes for which Landlord is entitled to  reimbursement  from any other
          tenant;
     (10) cost of any HVAC,  janitorial or other services provided to tenants on
          an extra cost basis after regular business hours;
     (11) cost of correcting  defects in the design,  construction  or equipment
          of, or latent defects in, the Property;
     (12) cost of any work or service  performed  on an extra cost basis for any
          tenant  at  the  Property  to a  materially  greater  extent  or  in a
          materially more favorable manner than furnished generally to the other
          tenant at the Property;
     (13) cost of any work or services performed for any facility other than the
          Property;
     (14) any cost representing an amount paid to a person, firm, corporation or
          other entity related to Landlord that is in excess of the amount which
          would have been paid in the absence of such relationship;
     (15) any cost of painting or decorating  any interior parts of the Property
          other than common areas;
     (16) Landlord's general overhead not directly attributable to operation and
          management  of  the  Property  (e.g.,  the  activities  of  Landlord's
          officers and executives or professional development expenditures);
     (17) attorneys' fees,  accounting fees and other  expenditures  incurred in
          connection with negotiations,  disputes and claims of other tenants at
          the  Property  or with other  third  parties,  except as  specifically
          otherwise provided in this Lease;
     (18) cost of any alterations,  additions, changes, repairs, replacements or
          other items which, under generally accepted accounting principles, are
          properly  classified as capital expenses,  including,  but not limited
          to, replacement of the building roof and structural repairs, except to
          the  extent  Landlord  is  expressly  allowed  to  recover  such costs
          pursuant to this lease;

                                                                      Initialed:
                                                                         /s/ RSW

                                       2
<PAGE>

     (19) lease  payments for rental  equipment  (other than equipment for which
          depreciation is properly  charged as an expense) that would constitute
          a capital expenditure if the equipment were purchased;
     (20) late fees or  charges  incurred  by  Landlord  due to late  payment of
          expenses;
     (21) costs  due  to  Landlord's  violation  of  any  governmental  rule  or
          authority;
     (22) cost of complying with the Americans With  Disabilities  Act,  whether
          such costs are classified as capital items or expenses under generally
          accepted accounting principles; and
     (23) Costs  associated  with  converting  CFC based HVAC  equipment to HCFC
          based HVAC equipment.

Within ninety (90) days after receipt of each year-end statement,  Tenant or its
authorized  agent shall have the right,  at Tenant's  sole cost and expense,  to
inspect and audit  Landlord's  records  with  respect to Tenant's  proportionate
share of expenses,  which audit shall be at Landlord's  office during Landlord's
normal  business hours,  and upon five (5) days prior written notice.  Except as
aforesaid,  Landlord  shall not be  obligated  to provide  Tenant with  detailed
summaries and receipts for all expenses  incurred by the Property;  but Landlord
shall provide Tenant with a statement  setting forth such expenses,  categorized
by class and amount. If the audit determines that Tenant's payment of additional
rent exceeded  Tenant's  obligations  for the calendar year, then Landlord shall
credit the excess to the next  installment(s)  of additional  rent. If the audit
determines  that  Tenant's  payment of  additional  rent was less than  Tenant's
obligations for the calendar year,  Tenant shall pay such deficiency to Landlord
in the next installment(s) of additional rent.

     (c) Late Charge.  In the event Tenant is late by more than ten (10) days in
the payment of any Base Rent or Additional Rent, Tenant shall be assessed a late
charge for Landlord's increased administrative expenses, which late charge shall
be equal to  three  (3%)  percent,  per  month,  of all  outstanding  rent  owed
Landlord.

     4.  SERVICES.  Landlord shall maintain the Premises and common areas of the
Property in good order and  condition  and Landlord  shall provide the following
services:

     (a)  Landlord  shall  provide  service  of  electricity,  water and  sewer,
elevator  service,  and air  conditioning  and heat for normal purposes only, in
Landlord's  judgment,  Monday  through  Friday from 7:00 a.m. to 6:00 p.m.,  and
Saturday from 8:00 a.m. to 4:00 p.m.,  Sundays and holidays  excepted.  Landlord
reserves the right,  if  consumption  of  electricity  exceeds that required for
normal office use, or if Tenant increases the normal use of air conditioning and
heat,  to  charge  Tenant,  as  Additional  Rent,  for  such  additional  use of
electricity at a rate of consumption to be determined by Landlord's  independent
engineer or by a submeter to be furnished  and  installed  at Tenant's  expense.
After hour service of air  conditioning / heat and lights shall be provided at a
cost of  $12.50  per  hour  and  invoiced  monthly.  Notwithstanding  any  other
provision  of this  Lease to the  contrary,  Tenant  shall  have  access  to the
Premises at all times, seven (7) days per week, 24 hours per day.

     (b) Landlord shall provide public restroom  supplies,  window washing,  and
janitorial  service to the  Premises  in the  manner  customarily  furnished  to
comparable office buildings in the area.

     (c) Landlord  shall provide not more than thirty (30) parking  spaces (at a
ratio of  4:1,000  RSF) to  Tenant on the  parking  lots of the  Property  on an
unallocated  basis.  Landlord  shall  reserve two (2) parking  spaces  under the
overhang at the south side of the building for the exclusive use of Tenant.

     (d)  Landlord  shall  maintain  the  exterior  and interior of the Property
including without limitation lawn and shrub care, snow removal,  and maintenance
of all structural,  roof,  mechanical and electrical  equipment,  excluding only
those items specifically excepted elsewhere in this Lease.

     Landlord shall make reasonable  efforts to provide the foregoing  services,
but in no event  shall  Landlord  be liable for  damages,  nor shall the rent be
abated  due to any  failure to  furnish  or any delay in  furnishing  any of the
foregoing   services  which  are  caused  by  Landlord's   inability  to  secure
electricity,  fuel, supplies, machinery, equipment or labor, or which are caused
by necessary  repairs or improvements  to the Premises;  nor shall the temporary
failure to furnish  such  services be construed  as a  constructive  eviction of
Tenant or relieve Tenant from the duty of observing and

                                                                      Initialed:
                                                                         /s/ RSW

                                       3
<PAGE>

performing  any  of  the  provisions  of  this  Lease,  provided  Landlord  uses
reasonable efforts to cure such interruption.

     5. DESTRUCTION.  If the Premises or the Property are damaged in whole or in
part by casualty so as to render the Premises  untenantable,  and if the damages
cannot be repaired  within one hundred  twenty  (120) days from the date of said
casualty,  this Lease shall  terminate as of the date of such  casualty.  If the
damages can be repaired  within said one hundred twenty (120) days, and Landlord
does not elect within thirty (30) days after the date of such casualty to repair
same,  then either party may terminate  this Lease by written notice served upon
the  other.  In the event of any such  termination,  the  parties  shall have no
further  obligations to the other,  except for those obligations accrued through
the date of such casualty;  and upon such termination,  Tenant shall immediately
surrender possession of the Premises to Landlord.  Should Landlord elect to make
such  repairs,  this Lease shall  remain in full force and effect,  and Landlord
shall  proceed  with all due  diligence  to repair and restore the Premises to a
condition  substantially  similar to that condition  which existed prior to such
casualty. In the event the repair and restoration of the Premises extends beyond
one  hundred  twenty  (120) days after the date of such  casualty  due to causes
beyond  the  control of  Landlord,  this  Lease  shall  remain in full force and
effect,  and Landlord shall not be liable therefor;  but Landlord shall continue
to complete  such  repairs and  restoration  with all due  diligence;  provided,
however,  if the repair and restoration of the Premises is not completed  within
one  hundred  fifty  (150)  days  after the date of such  casualty,  Tenant  may
terminate  this Lease  upon  written  notice to  Landlord.  Tenant  shall not be
required to pay any rent for any period in which the Premises are  untenantable.
In the event only a portion of the  Premises  are  untenantable,  Tenant's  rent
shall be equitably  abated in proportion  to that portion of the Premises  which
are so unfit.

     6. LANDLORD'S RIGHTS.  (a) Landlord may close the Property,  to the general
public, at 6:00 p.m. Monday through Friday,  4:00 p.m. on Saturday,  and all day
Sunday and holidays,  or such other hours as Landlord may reasonably  determine,
after which  admittance  may be gained only under such  regulations  as may from
time to time be prescribed by Landlord.

     (b) Landlord may  designate  the source and grade of all  materials and all
personnel  for all  construction,  repairs  and  maintenance  which  Landlord is
obligated to perform  under this Lease,  whether the same is within the Premises
or about the Property.

     (c) Landlord may have pass keys to the Premises.

     (d) Landlord may enter the Premises to make reasonable  repairs as required
from time to time upon reasonable advance notice to Tenant. Tenant hereby grants
to  Landlord  such  license or  easements  in or over the  Premises  as shall be
reasonably  required for the  installation or maintenance of facilities to serve
the Property  and/or the premises of any other  tenant.  Landlord  shall use its
best efforts to minimize any  interference  with  Tenant's use of the  Premises.
Tenant also hereby grants to Landlord the right to enter the Premises to examine
or show same to existing or prospective fee owners,  ground lessees,  mortgagees
upon  reasonable  advance  notice to Tenant.  And Tenant also  hereby  grants to
Landlord the right to enter the Premises to show other  tenants  during the last
ninety (90) days of the lease term upon reasonable advance notice to Tenant.

     7.  ALTERATIONS AND REPAIRS.  Landlord does not warrant either expressly or
impliedly the  condition or fitness of the Premises  except as herein set forth.
Tenant  shall keep the  Premises in good  repair,  without  expense to Landlord;
Tenant  shall not allow any waste or misuse of the  utilities;  Tenant shall pay
for all damages to the Property caused by any waste, misuse or negligence of the
Premises;  and upon the  termination  of this Lease,  Tenant  shall yield up the
Premises to Landlord  together with all of Tenant's  keys and attached  fixtures
and improvements, in the same condition as when leased, reasonable wear and tear
excepted.  Tenant may not make any alterations to the Premises without the prior
written   consent  of  Landlord,   which  approval  shall  not  be  unreasonably
conditioned  delayed or withheld;  provided  that Tenant shall have the right to
perform Tenant's Work and to make any alterations from time to time which do not
involve any  structural  changes to the  building  and which cost less than Five
Thousand Dollars ($5,000.00) to complete.  All improvements which may be made by
or on behalf of Tenant  shall  become the  property  of  Landlord,  and shall be
surrendered  with the Premises upon the termination of this Lease.  Tenant shall
make all repairs to the interior of the Premises, unless same shall be caused by
the  negligence  of  Landlord;  and, in the event Tenant shall fail to make such
repairs  promptly and  adequately  after written  demand  therefore by Landlord,
Landlord may make such repairs, in which event Tenant shall pay to Landlord,  as
Additional Rent, the cost of such repairs.

                                                                      Initialed:
                                                                         /s/ RSW

                                       4
<PAGE>

     8. SUBLETTING AND ASSIGNING. Tenant shall not assign or sublet the Premises
nor allow the same to be used or occupied  by any other  person or for any other
use than herein specified,  without the prior written consent of Landlord, which
shall  not be  unreasonably  conditioned,  delayed  or  withheld.  In the  event
Landlord  grants  its  consent to any  sublease  or  assignment,  same shall not
constitute a release of Tenant from the full performance of Tenants  obligations
under this Lease.  Further,  in the event of any such  sublease  or  assignment,
Tenant shall reimburse Landlord for all reasonable attorneys' fees in connection
with reviewing and/or drafting any appropriate documents to effect such transfer
of Tenant's  interests in an amount not to exceed $500.00.  Notwithstanding  any
provisions  to the contrary  contained  herein,  Tenant may assign this Lease or
sublet the Premises or any portion thereof,  without Landlord's  consent, to any
corporation  which  controls,  is controlled by or is under common  control with
Tenant,  or to any corporation  resulting from the merger or consolidation  with
Tenant,  or to any person or entity which acquires  substantially all the assets
of Tenant as a going  concern of the  business  that is being  conducted  on the
Premises,  provided that said assignee  assumes,  in full,  the  obligations  of
Tenant under this Lease.

     9. DEFAULT AND HOLDING  OVER. If Tenant shall default in the payment of any
rent, or breach any covenant or agreement of this Lease (hereinafter  singularly
or  collectively  referred to as "Default"),  and if such Default shall continue
for five (5) days after written notice thereof from Landlord, or if Tenant makes
an  assignment  for the benefit of  creditors,  files or has filed  against it a
petition in bankruptcy, or is adjudicated insolvent, Landlord may terminate this
Lease,  with process of law, and expel and remove Tenant, or any other person in
occupancy,  together  with their  property,  and  repossess  the  Premises;  and
thereupon all expenses  (including  reasonable legal fees) as Landlord incurs in
recovering possession of the Premises shall immediately become due. Landlord may
relet the Premises after taking  possession  thereof upon terms  satisfactory to
Landlord.  However,  in such  event,  Tenant  shall be  liable  for all costs of
reletting,  including any brokers' fees and, in the event the rent payable under
any  subletting is less than the rent payable under this Lease,  Tenant shall be
liable for the difference  thereof.  Notwithstanding any other provision of this
Lease to the  contrary,  if any term,  condition  or covenant to be performed by
Tenant  (with  the  exception  of the  payment  of rent) is such  that it cannot
reasonably be performed  within fifteen (15) days,  such default shall be deemed
to have been cured if Tenant commences such performance within said fifteen (15)
period and thereafter diligently undertakes to complete the same.

     If this  Lease is  terminated,  Tenant  shall,  without  demand  therefore,
immediately surrender the Premises peaceably to Landlord in as good condition as
when delivered to Tenant,  reasonable  wear and tear  excepted.  If Tenant shall
remain in possession of the Premises after the  termination  of this Lease,  and
hold over for any reason,  Tenant shall be deemed  guilty of forcible  detainer;
and Tenant  shall pay to  Landlord  monthly  rent equal to 150% of both the base
rent and that additional rent which was payable  hereunder during the last month
prior to Landlord's  notice of termination as well as any other damages incurred
by Landlord as a result of such holdover. Should any of Tenant's property remain
within the  Premises  after the  termination  of this Lease,  it shall be deemed
abandoned;  and  Landlord  shall  have the right to store or  dispose of same at
Tenant's cost and expense.  All of the aforesaid  rights of Landlord shall be in
addition to any remedies which Landlord may have at law or in equity.

     Notwithstanding any other provision of this Lease to the contrary, Landlord
shall use commercially  reasonable  efforts to mitigate  Landlord's damages as a
result of Tenant's default,  and any rent received from any party for all or any
part of the Premises shall be credited against Tenant's  obligations  hereunder.
If either party  defaults in the  performance or observance of any of the terms,
conditions,   covenants  or   obligations   contained  in  this  Lease  and  the
non-defaulting  party obtains a judgment against the defaulting  party, then the
defaulting  party agrees to reimburse the  non-defaulting  party for  reasonable
attorneys' fees incurred in connection therewith.

     10.  RIGHT TO CURE  TENANT'S  DEFAULT.  If Tenant is in  Default  under any
provision  of this  Lease,  other than the  payment of rent,  and Tenant has not
cured same  within five (5) days after  receipt of  Landlord's  written  notice,
Landlord  may cure such  Default  on  behalf of  Tenant,  at  Tenant's  expense;
provided,  however,  that if the  default is such that it cannot  reasonably  be
cured within fifteen (15) days,  such default shall be deemed to have been cured
if Tenant  commences  such  performance  within said fifteen (15) day period and
thereafter diligently

                                                                      Initialed:
                                                                         /s/ RSW

                                       5
<PAGE>

undertakes  to complete the same.  Landlord may also perform any  obligation  of
Tenant,  without notice to Tenant,  should Landlord deem the performance of same
to be an emergency.  Any monies expended by Landlord to cover such Default(s) or
resolve any deemed emergency shall be payable by Tenant as "additional rent." If
Landlord  incurs any such  expense,  including  reasonable  attorney's  fees, in
instituting,  prosecuting and/or defending any action or proceeding by reason of
any emergency or Default of Tenant,  Tenant shall  reimburse  Landlord for same,
(as "Additional Rent"), with interest thereon at ten (10%) percent annually from
the date such payment is due Landlord.

     11. HOLD  HARMLESS.  Landlord shall not be liable to Tenant for any damages
to the  Premises  or  Property,  nor for any  damages  to Tenant on or about the
Property,  nor for any other  damages  arising from the action or  negligence of
Tenant,  co-tenants or other occupants of the Property.  Tenant hereby releases,
discharges and shall indemnify,  hold harmless and defend Landlord,  at Tenant's
sole cost and expense, from all losses, claims, liability, damages, and expenses
(including  reasonable  attorney's  fees) for any  damage or injury to person or
property of the parties  hereto or of third  persons,  caused by Tenant's use or
occupancy of the Premises,  Tenant's breach of any covenant under this Lease, or
Tenant's use of any equipment, facilities or property in, on, or adjacent to the
Property.

     In the event any suit shall be  instituted  against  Landlord  by any third
person for which Tenant is hereby  indemnifying and holding  Landlord  harmless,
then (i) Landlord  shall give Tenant  prompt notice  thereof;  (ii) Tenant shall
defend  such suit at  Tenant's  sole cost and expense  with  counsel  reasonably
satisfactory  to Landlord;  (iii)  Landlord  shall  cooperate with Tenant in the
defense of such claim, and (iv) Landlord shall not settle or compromise any such
claim  so  long  as  Tenant  is  diligently  defending  against  such  claim  by
appropriate proceedings.

Landlord shall defend and indemnify  Tenant,  and save Tenant  harmless from and
against any and all liability, damages, costs, or expenses, including attorneys'
fees arising from any accident,  injury, or damage,  howsoever and by whomsoever
caused, to any person or property  occurring in or about the Property,  provided
that the foregoing provision shall not be construed to make Landlord responsible
for loss,  damage,  liability,  or  expenses  resulting  from  injuries to third
parties  caused  by the  negligence  of Tenant  or of any  officer,  contractor,
licensee, agent, servant, employee, guest, invitee, or visitor of Tenant.

     In the  event  any suit  shall be  instituted  against  Tenant by any third
person for which Landlord is hereby  indemnifying  and holding Tenant  harmless,
then (i) Tenant shall give Landlord prompt notice  thereof;  (ii) Landlord shall
defend such suit at  Landlord's  sole cost and expense with  counsel  reasonably
satisfactory  to Tenant;  (iii)  Tenant  shall  cooperate  with  Landlord in the
defense of such claim,  and (iv) Tenant shall not settle or compromise  any such
claim  so long as  Landlord  is  diligently  defending  against  such  claim  by
appropriate proceedings.

     12. CONDEMNATION.  If the whole or any part of the Property or the premises
shall be taken in  condemnation,  either Tenant or Landlord may  terminate  this
Lease as of the taking date, by giving  written notice of same within sixty (60)
days after the taking date,  provided in the case of  termination by Tenant that
the Premises (or the remaining portion thereof) may no longer be adequately used
for the purpose set forth in  Paragraph 1 of this Lease.  If neither  Tenant nor
Landlord  shall  exercise  its option,  then this Lease shall  terminate  on the
taking date only as to that portion of the  Premises so taken,  and the rent and
other charges payable by Tenant shall be reduced proportionally.  Landlord shall
be entitled to the entire  condemnation  award for all realty and  improvements.
Tenant shall be entitled to any award for Tenant's leasehold interest,  personal
property, the unamortized value of any improvements made by Tenant and the costs
of relocation provided Tenant independently petitions for same.  Notwithstanding
the aforesaid,  if any condemnation takes a portion of the parking area and same
does not result in a reduction of the minimum  required parking ratio below that
established by local Code or Ordinance,  this Lease shall continue in full force
and effect without modification.

     13. INSURANCE. Tenant, at Tenant's sole cost and expense, shall maintain in
full  force  and  effect  policies   providing  "all  risk"  insurance  coverage
protecting  against  physical  damage  (including,  but not  limited  to,  fire,
lightning, extended coverage perils, vandalism, sprinkler leakage, water damage,
collapse,  and  other  special  extended  perils)  to the  extent of 100% of the
replacement cost of Tenant's  property and improvements  during the term of this
Lease,  as well as broad form  comprehensive  or  commercial  general  liability
insurance insuring Landlord and Tenant jointly

                                                                      Initialed:
                                                                         /s/ RSW

                                       6
<PAGE>

against any liability (including bodily injury,  property damage and contractual
liability)  arising out of Tenant's  use or occupancy  of the  Premises,  with a
combined  single limit of not less than  $1,000,000,  or for a greater amount as
may be  reasonably  required  from time to time,  and in policy form and content
satisfactory to Landlord.  Landlord shall be named as an additional insured. All
policies shall be with companies  licensed to do business in the state where the
Property is located,  and rated  A+:XV in the most  current  issue of Best's Key
Rating Guide.  Tenant shall furnish Landlord with  certificates of same prior to
occupancy,  or otherwise upon Landlord's  request;  and further,  such insurance
shall  provide  that not less than thirty (30) days  written  notice be given to
Landlord before any such policies be canceled or substantially changed to reduce
the  insurance  provided  thereby.  All  such  policies  shall  be  primary  and
non-contributing with or in excess of any insurance carried by Landlord.  Tenant
shall  not do any act  which  may make void or  voidable  any  insurance  on the
Premises or  Property;  and, in the event  Tenant's  use of the  Premises  shall
result in an increase in  Landlord's  insurance  premiums,  Tenant  shall pay to
Landlord upon demand,  as  additional  rent, an amount equal to such increase in
insurance.

     Landlord  and Tenant  hereby  mutually  waive any and all right of recovery
against one another,  directly or by way of subrogation or otherwise, due to the
negligence  of either  party,  their agents or  employees,  for real or personal
property  damage  occurring  to the  Premises,  the  Property,  or any  personal
property located therein,  from perils insured against in the aforesaid policies
(whether  or  not  such  insurance  is  carried).  Each  party  shall  have  the
affirmative duty to inform their respective insurance carriers of this Paragraph
and the mutual waiver of subrogation contained herein.

     14.  MORTGAGES.  This Lease shall be subordinated  to any first  mortgages,
deeds of trust or underlying  leases  (hereinafter  referred to as "Mortgages"),
now of record or, at the option of Landlord,  hereafter placed of record. In the
event Landlord  exercises its option to further  subordinate this Lease,  Tenant
shall at the option of the holder of said Mortgage attorn to said holder. Tenant
shall,  at the written request of Landlord,  execute such further  assurances as
Landlord  deems  desirable to confirm such  subordination.  Notwithstanding  any
other  provision  of this Lease to the  contrary,  as a condition  to any future
subordination,  Landlord shall, to the best of the Landlord's  ability,  request
and attempt to obtain a  non-disturbance  agreement in a form provided by Tenant
from the holders of such Mortgages which arise after the date of this Lease.

     15. LIENS.  Tenant shall not mortgage or otherwise  encumber or allow to be
encumbered its interest  herein without  obtaining the prior written  consent of
Landlord,  which  consent  shall not be  unreasonably  conditioned,  delayed  or
withheld.  Should  Tenant  cause  any  lien or  other  encumbrance  (hereinafter
referred to as "Encumbrance") to be filed, against the Premises or the Property,
Tenant  shall  dismiss or bond  against  same within  thirty (30) days after the
filing of any such  Encumbrance.  If Tenant  fails to  remove  said  Encumbrance
within said thirty (30) days,  Landlord  shall have the absolute  right to cause
same  to be  cured  by  whatever  measures  Landlord  shall  deemed  convenient,
including without  limitation payment of such Encumbrance (in which event Tenant
shall reimburse  Landlord for same as "additional  rent"); and Landlord shall be
afforded  all  remedies  at law or in equity  available  to either  Landlord  or
Tenant.

     16.  GOVERNMENT  REGULATIONS.  Tenant,  at Tenant's  sole cost and expense,
shall conform with all laws and requirements of any Municipal,  State or Federal
authorities  now in force,  or which may  hereafter be in force,  as well as any
requirement of Landlord's  insurance  carrier,  pertaining to the Premises or to
Tenant's  use of the  Premises.  The  judgment of any court,  or an admission of
Tenant in any action or proceeding at law,  whether  Landlord be a party thereto
or not, shall be conclusive of the fact as between Landlord and Tenant.

     17.  NOTICES.  All rents which are  required to be paid by Tenant  shall be
delivered by the United States Mail,  postage prepaid,  addressed to the parties
hereto at their respective addresses below; and all notices that are required to
be given hereunder shall be in writing and delivered by United States registered
or certified  mail,  postage  prepaid,  addressed to the parties hereto at their
respective addresses below:

TENANT:                                     LANDLORD:

CONNECTRIA CORPORATION                      CROWN DIVERSIFIED INDUSTRIES Mr.
Richard S. Waidmann                         CORP.
President & CEO                             c/o Scott Properties
10845 Olive                                 1065 Executive Parkway, Suite 300
St. Louis, MO  63141                        St. Louis, MO  63141

                                                                      Initialed:
                                                                         /s/ RSW

                                       7
<PAGE>

Either party may designate a different address by giving notice to the other
party of same at the address set forth above.

     18. OWNERSHIP.  Notwithstanding anything in this Lease to the contrary, the
term "Landlord" as used in this Lease,  shall be defined as the current owner(s)
of the  Property.  In the  event of any  transfer  of the  Property,  the  party
conveying  same shall  thereafter  be  automatically  relieved  of all  personal
liability with respect to Landlord's  performance of any obligations  thereafter
occurring or covenants  thereafter  to be  performed,  provided all  transferees
shall expressly assume and agree to perform all of Landlord's  obligations under
this Lease, including, without limitation, the obligation to return the security
deposit  described in Paragraph 19. It is intended  hereby that all  obligations
under this Lease shall be binding upon the owner(s) of the Property  only during
that owner(s)' respective period(s) of ownership of said Property.

     19. SECURITY DEPOSIT.  Tenant has deposited with Landlord the sum of Twelve
Thousand Two Hundred Twelve and 25/100 Dollars  ($12,212.25) as security for the
full and  faithful  performance  of Tenant's  obligations  under this Lease.  If
Tenant should be in Default as set forth in Paragraph 9 of this Lease,  Landlord
may apply all or a part of this  security  deposit for the payment of any sum in
Default or for the payment of any amount  which  Landlord  expended by reason of
such Default. If any portion of said deposit is so applied, Tenant shall, within
five (5) days after written  demand  therefore,  deposit with Landlord an amount
sufficient to restore the security deposit to its original amount. At the end of
the lease term or earlier  termination  of this  Lease,  in no event  later than
thirty (30) days after the last day of the lease term, Landlord shall return the
security deposit to Tenant.

     20. ESTOPPEL CERTIFICATES. Tenant agrees, upon written request by Landlord,
to execute and return to  Landlord  within  fifteen  (15) days,  a statement  in
writing  certifying  that this Lease is unmodified and in full force and effect,
that Tenant has no defenses, offsets or counterclaims against its obligations to
pay the rent and to perform its other covenants under this Lease, that there are
no incurred Defaults of Landlord or Tenant, and setting forth the dates to which
the rent and other charges have been paid, and any other information  reasonably
requested by Landlord. In the event Tenant fails to return such statement within
said fifteen (15) days, setting forth the above or, alternatively, setting forth
those lease modifications,  defenses and/or uncured Defaults, Tenant shall be in
default hereunder or, at Landlord's election, it shall be deemed that Landlord's
statement is correct with respect to the information therein contained. Any such
statement  delivered  pursuant  to  this  Paragraph  may be  relied  upon by any
prospective purchaser, mortgagee, or assignee of any mortgagee of the Property.

     21.  BROKERAGE.  The  parties  warrant  that they have  dealt with no other
broker or person in connection with this transaction  other than Colliers Turley
Martin Tucker representing Landlord.  Landlord shall pay all commissions due and
payable to said broker.  Each party shall  indemnify  the other from any and all
liability  for the breach of this  representation  and  warranty on its part and
shall pay any  compensation  to any other  broker or person who may be  entitled
thereto. This provision shall survive the termination of this Lease.

     22. SEVERABILITY.  Should any provision of this Lease be unenforceable,  it
shall be  severable  from this Lease;  and this Lease shall remain in full force
and effect and be binding upon the parties  hereto as though said  provision had
not been included.

     23.  PERSONAL  PROPERTY  TAXES.  Tenant shall timely pay all taxes assessed
against  Tenant's  personal  property and all  improvements  to the Premises in-
excess of  Landlord's  standard  installations.  If said  personal  property and
improvements  are assessed  with the  property of Landlord,  Tenant shall pay to
Landlord  Tenant's  share of such taxes  within  ten (10) days after  receipt of
Landlord's statement setting forth the amount of such taxes.

     24. QUIET  ENJOYMENT.  Tenant,  upon paying the rents  herein  reserved and
performing  and  observing all of the other terms,  covenants and  conditions of
this Lease on the Tenant's  part to be performed and observed  hereunder,  shall
peaceably and quietly have, hold and enjoy the demised  premises during the term
hereof, subject,  nevertheless, to the terms of this Lease and to the provisions
of any mortgages,  underlying leases,  agreements and encumbrances to which this
Lease is or may be subordinated.

                                                                      Initialed:
                                                                         /s/ RSW

                                       8
<PAGE>

     25.  OPTION TO TERMINATE.  At any time after the  completion of thirty -six
(36) months from the  commencement  date of this  Lease,  Tenant  shall have the
right to terminate  this Lease.  Said option to terminate  shall be exercised by
Tenant (i) notifying  Landlord in writing of its intent to terminate one hundred
eighty (180) days prior to the date of  termination,  (ii) not being in default,
(iii) paying all rent and additional  rent through the date of termination , and
(iv) paying compensation for the privilege of termination, in an amount equal to
the  unamortized  Tenant  Improvement  allowance  and Lease  commissions,  which
equates to $2,950.00 for each remaining month of the lease term from the date of
termination.

     26. MISCELLANEOUS.

     (a) All of the covenants of Tenant hereunder shall be deemed, and construed
to be "conditions" as well as "covenants" as though both words were used in each
separate  instance.

     (b) This Lease shall not be recorded  by Tenant  without the prior  written
consent  of  Landlord,  which  consent  shall not be  unreasonably  conditioned,
delayed or withheld.

     (c) The paragraph  headings  appearing in this Lease are inserted only as a
matter of convenience, and in no way define or limit the scope of any paragraph.

     (d)  Submission  of this  Lease  shall not be deemed to be an offer,  or an
acceptance,  or a reservation  of the Premises;  and Landlord shall not be bound
hereby until  Landlord has  delivered  to Tenant a fully  executed  copy of this
Lease, signed by the parties hereto on the last page of this Lease in the spaces
herein provided. Until such delivery, Landlord reserves the right to exhibit and
lease the Premises to other prospective tenants.

     (e) This Lease  demises real estate  located in the State of Missouri,  and
shall be governed by the laws of such State.

     (f) All the terms of this Lease  shall  extend to and be  binding  upon the
parties hereto and their respective heirs, executors, administrators, successors
and assigns.

     (g) Landlord warrants that the showers located in the third floor restrooms
shall be maintained during the lease term and will not be removed.

     (h) Landlord hereby represents and warrants to Tenant as follows:

          (i) Landlord is solely  vested with fee simple title to the  Property,
including  the parking lot serving the  Property,  and has full right and lawful
authority  to lease the  Premises  to Tenant  without  the  consent of any other
party;

          (ii) As of the  commencement  date of this Lease, the Property and the
Premises  (with the exception of any  improvements  to be constructed by Tenant)
will be in compliance with all applicable zoning and building codes; subdivision
or indenture  restrictions;  ordinances and  regulations;  fire,  environmental,
occupational  safety and health standards and similar  standards  established by
law.

          (iii)  There  is  not  pending  or,  to  the  knowledge  of  Landlord,
threatened any  litigation,  mechanic's  liens or claims of liens,  condemnation
proceedings, administrative actions or judicial proceedings of any type relating
to the Premises, including, without limitation,  disputes with subcontractors or
material suppliers,  owners of adjacent properties,  governmental authorities or
prior owners of the Property.

          (iv) There are no leases,  subleases,  licenses,  concessions or other
agreements,  written or oral,  granting to any person or entity the right to use
or occupy any portion of the Premises.

          (v)  To  the  best  of  Landlord's  knowledge,  all  building  systems
(including without limitation, electrical, plumbing, sewer, mechanical and HVAC)
have been completed in a good and workmanlike  manner and in accordance with the
plans and  specifications  therefor,  and are in proper working order and do not
require any repairs or replacements which have not been made.

                                                                      Initialed:
                                                                         /s/ RSW

                                       9
<PAGE>

          (vi) To the best of Landlord's  knowledge,  the roof, walls, floor and
other structural  components of the building are structurally  sound and free of
any material  defects and do not require any repairs or replacements  which have
not been made; and

          (vii) To the best of Landlord's knowledge, no hazardous materials have
been  incorporated into the building,  are located on or under the Property,  or
affect the Premises.

     27. OPTION TO EXTEND.

     (a)  Landlord  hereby  grants to Tenant  the right and option to extend the
original lease term for two (2) successive periods of three (3) years each (each
such  extended  term  being  referred  to herein  as, an  "Extension  Term" and,
collectively, the "Extension Terms"). Each Extension Term shall be upon the same
terms and  conditions  contained  in this Lease for the initial  term except (i)
this provision giving two (2) extension  options shall be amended to reflect the
remaining  options to extend, if any and (ii) the Base Rent shall be adjusted as
set forth below (the "Rent  Adjustment").  Tenant shall  exercise such option by
delivering to Landlord,  no later than three (3) months prior to the  expiration
of the then effective  lease term,  written notice of Tenant's  desire to extend
the lease term. Unless Landlord otherwise agrees in writing, Tenant's failure to
timely  exercise such option shall waive it. Landlord shall notify Tenant of the
amount of the Rent  Adjustment  no later  than  thirty  (30)  days  prior to the
commencement of the applicable  Extension Term. If Tenant properly exercises its
option to extend,  Landlord and Tenant  shall  execute an amendment to the Lease
reflecting the amount of the Base Rent due under the Extension Term.

     (b) The  Base  Rent  for  each  of the  Extension  Terms  shall  equal  the
then-current  Base Rent increased by the same  percentage of increase in the BLS
Index (as  hereinafter  defined) over the  immediately  preceding  lease term or
Extension  Term.  As used in this  Lease,  the term "BLS  Index"  shall mean the
Producer Price Index for Finished Goods  (1982=100),  published by the Bureau of
Labor  Statistics,  United States  Department  of Labor.  If the Bureau of Labor
Statistics shall discontinue  publication of said BLS Index or shall adopt a new
method of computing the BLS Index,  the parties  agree to use a published  price
index as  comparable  as  possible  to the BLS Index prior to the change in such
method.

     (c) Notwithstanding the foregoing,  in no event shall the Base Rent payable
during any subsequent  lease year or Extension  Term as adjusted  hereby be less
than the Base Rent paid during the immediately preceding lease year or Extension
Term.

     IN WITNESS WHEREOF, Landlord and Tenant have respectively signed and sealed
this Lease the day and year first above written.

TENANT:                                     LANDLORD:

CONNECTRIA CORPORATION                      CROWN DIVERSIFIED INDUSTRIES
                                                              CORP.

By: /s/ Richard S. Waidmann                  By: /s/ Joe H. Scott Sr.
    ---------------------------------            -------------------------------
    Richard S. Waidmann                          Joe H. Scott, Sr.
    President

                                                                      Initialed:
                                                                         /s/ RSW

                                       10
<PAGE>

                                    EXHIBIT A

                            WestChase Office Building
                                   10845 Olive
                               St. Louis, MO 63141

                            Suite 300 +/-7,713 r.s.f.

                          [Diagram of office building]

                                                                      Initialed:
                                                                         /s/ RSW

                                       11A
<PAGE>

                           Exhibit "A" to Office Lease

                    dated as of 10/12 , 2001, by and between

                       CROWN DIVERSIFIED INDUSTRIES CORP.,

                                  as Landlord,

                                       and

                 CONNECTRIA CORPORATION, A MISSOURI CORPORATION

                                   as Tenant,

                             for Leased Premises in

                         WestChase Park Office Building
                              10845 Olive Boulevard
                              Creve Coeur, MO 63141

                               BUILDING FLOOR PLAN

Initialed for                                           Initialed for
identification                                          identification
by Tenant:                                              by Tenant:

/s/ RSW                                                 /s/ JM
---------------                                         ---------------

                                                                      Initialed:
                                                                         /s/ RSW

                                       11
<PAGE>

                           Exhibit "B" to Office Lease

                    dated as of 10/12 , 2001, by and between

                       CROWN DIVERSIFIED INDUSTRIES CORP.,

                                  as Landlord,

                                       and

                 CONNECTRIA CORPORATION, A MISSOURI CORPORATION

                                   as Tenant,

                             for Leased Premises in

                         WestChase Park Office Building
                              10845 Olive Boulevard
                              Creve Coeur, MO 63141

                                      WORK

Initialed for                                           Initialed for
identification                                          identification
by Tenant:                                              by Tenant:

/s/ RSW                                                 /s/ JM
---------------                                         ---------------

                                                                      Initialed:
                                                                         /s/ RSW

                                       12
<PAGE>

                                      WORK

     This Exhibit B is a description of the work and obligations of Landlord and
Tenant with respect to the design and construction of the Leased Premises.

                                 Landlord's Work

     1. Landlord shall, at Landlord's expense,  cause the Premises to be altered
and   improved   pursuant   to  plans  and   specifications   (the   "Plans  and
Specifications")  satisfactory to Landlord and Tenant.  "Landlord's  Work" shall
consist of the following:

          a.   Construct  corridors to connect  both stair  wells.  Includes new
               carpet in lobby and new paint and wallpaper in restrooms.
          b.   Demo three (3) offices and file room and restore ceiling at these
               areas.
          c.   Remove all low voltage wiring.
          d.   Install two (2) doors in new corridor into tenant's  space.  Both
               doors to have cadcam locks.
          e.   Remove all furniture,  except three (3) file cabinets recessed in
               the wall behind the  receptionist  area.  File  cabinets  are for
               Tenant's  use  throughout  the term at no cost but will remain in
               the space  upon  expiration  of the  Lease as part of the  Leased
               Premises.
          f.   Tenant  shall  have use of doors and  frames  removed at areas of
               demo.
          g.   Replace any stained or damaged ceiling tiles through out.
          h.   Remove cabinetry in existing mail room/ copy room.
          i.   Demo the  drywall  ceiling in the  hallway in front of mail room/
               copy room if the corridor wall is in-filled with drywall or leave
               ceiling "as -is" if new suite entry door is installed.
          j.   Repair holes and replace any stained or damaged  ceiling tiles in
               the fitness room.
          k.   Tenant,  at  Tenant's  discretion,  can elect to use the built in
               front reception desk or have it removed.

          l.   All work in Plans and  Specifications  from Tenant to be mutually
               agreed upon.

     2.   In addition to Landlord's  work above,  Landlord will provide a Tenant
          Improvement Allowance of $77,130.00 to be use towards, but not limited
          to, the  following  improvements  to be completed by Tenant:  permits,
          architectural  plans,  demolition,  dry  wall,  carpentry,   cabinets,
          electric, acoustical,  plumbing, painting, flooring, blinds, clean-up,
          HVAC,  supervision,  low voltage  wiring,  moving  expenses,  signage,
          upgrades over building standard,  plumbing,  cabinetry,  phone wiring,
          computer  wiring,  and  any  other  work  not  specified  above  under
          Landlord's Work (collectively,  "Landlord's Work"). Landlord shall pay
          the Tenant  Improvement  Allowance to Landlord's  contractor in one or
          more  installments  within fifteen (15) days after Landlord's  receipt
          and  approval of invoices  and lien  waivers,  as  appropriate,  which
          approval shall not be unreasonably  conditioned,  delayed or withheld.
          Landlord will provide a letter of credit for the balance of any unused
          Tenant Improvement Allowance to be used to offset base rent.

          Landlord  shall  supply  Tenant  with a cost  analysis  in  writing of
          Landlord's   Work  versus  Work  to  be  provided   under  the  Tenant
          Improvement Allowance.

                                  Tenant's Work

     l. Landlord shall permit,  and hereby grants to,  representatives,  agents,
employees, surveyors, contractors, appraisers and engineers designated by Tenant
access to and the right to enter upon the Premises and the Property prior to the
Commencement Date to examine,  inspect, measure and test the Leased Premises and
the  improvements and equipment  located thereon.  Tenant shall, at its expense,
repair any  damage to the  Premises  caused by  Tenant's  inspection  or testing
thereof. If Tenant has approved the Plans and  Specifications,  then Tenant, and
its agents,

                                                                      Initialed:
                                                                         /s/ RSW

                                       13
<PAGE>

employees  and  contractors,  shall have the right to enter onto the Premises to
complete Tenant's Work and ready the Premises for Tenant's occupancy, including,
but not limited to the right to move  furniture and other  personal  property in
the Premises from and after December 15, 2001, and to make such  alterations and
install such  equipment  and fixtures as Tenant may deem  necessary  without the
necessity of paying any rent  therefor but otherwise on the terms and subject to
the conditions of this Lease.

                          Condition of Leased Premises

     Except to the  extent set forth in this  Lease,  Tenant  certifies  that no
representations  as to the  condition  of the Premises or  agreements  as to the
construction  improvements  of the  Premises  have been made by  Landlord or its
agents or representatives to Tenant, either directly or indirectly,  prior to or
at the execution of this Lease.

                                                                      Initialed:
                                                                         /s/ RSW

                                       14
<PAGE>

                           Exhibit "C" to Office Lease

                    dated as of 10/12 , 2001, by and between

                       CROWN DIVERSIFIED INDUSTRIES CORP.,

                                  as Landlord,

                                       and

                 CONNECTRIA CORPORATION, A MISSOURI CORPORATION

                                   as Tenant,

                             for Leased Premises in

                         WestChase Park Office Building
                              10845 Olive Boulevard
                              Creve Coeur, MO 63141

                              RULES AND REGULATIONS

Initialed for                                           Initialed for
identification                                          identification
by Tenant:                                              by Tenant:

/s/ RSW                                                 /s/ JM
---------------                                         ---------------

                                                                      Initialed:
                                                                         /s/ RSW

                                       15
<PAGE>

                                    EXHIBIT C

                              RULES AND REGULATIONS

1.   Tenant shall not inscribe any inscription or post, or in any manner display
     any sign,  notice,  picture,  placard or poster, or any advertising  matter
     whatsoever,  anywhere  in or  about  Premises  at  places  visible  (either
     directly  or  indirectly  as an  outline  or shadow on a glass  pane)  from
     anywhere  outside of the  Premises  or from  public and common  area within
     Premises,  without first obtaining  Landlord's  written consent thereto and
     Landlord shall specify the color,  size,  style and material to be used. No
     showcase  shall be placed in front of or in the lobbies or corridors of the
     Premises and Landlord  reserves the right to remove all showcases so placed
     and all signs other than those above  provided for,  without  notice and at
     the expense of the Tenant responsible.

2.   All exterior and interior signs and corridors must be installed by Landlord
     or someone  designated  by it, and the actual cost thereof shall be paid by
     the Tenant and all such signs are so placed at the risk of the Tenant.

3.   If a Tenant desires telegraphic or telephone connections, the Landlord will
     direct  the  electricians  as to where the wires are to be  introduced  and
     without such direction no boring or cutting for wires shall be permitted.

4.   The Landlord  retains the power to prescribe the weight and proper position
     of safes and  mechanical  equipment.  All safes,  furniture,  boxes,  bulky
     articles and packages  shall be moved in to or out of said building or from
     one part of the building to another  under  supervision  of Landlord and at
     such times and  according to such  regulations  as may be designated by the
     Landlord  and at the  entrance  designated  by the Landlord and each tenant
     shall be responsible for all damage to the walls, floors, or other parts of
     the building  caused by or  connected  with any moving or delivery in to or
     removal  horn the  building any safe,  furniture,  boxes or bulky  articles
     while in the  building at Tenant's  instance  but no moving out shall occur
     without the written consent of the Landlord in each instance.  The premises
     shall not be overloaded. No engine, boiler, or other machinery shall be put
     upon the premises by any Tenant.

5.   No Tenant  shall do or permit  anything to be done in said  premises  which
     will be  dangerous  to life or limb or which will tend to create a nuisance
     or injure the reputation of the building,  or use burning fluid,  camphene,
     alcohol, kerosene, or anything except steam, gas or electricity in lighting
     or heating said premises;  or install any air  conditioning  or air cooling
     apparatus without the written consent of Landlord;  or in any way injure or
     annoy them, or conflict with the laws or with the  regulations  of the fire
     department,  or  with  any  insurance  policy  upon  said  building  or any
     regulations of any governmental agency or municipality having jurisdiction,
     or use the premises for any illegal or immoral purposes, and no beer, wine,
     or  intoxicating  liquor  shall be sold in said  building  without  written
     consent of the Landlord in each instance.

6.   The sidewalk,  passages, lobbies, corridors,  elevators and stairways shall
     not be obstructed by Tenant; or used except for ingress and egress from and
     to offices and storeroom.

7.   The doors,  skylights,  windows,  and transoms  that reflect or admit light
     into passageways or into any place in said building shall not be covered or
     obstructed by Tenant.  The water closets and other  apparatus  shall not be
     used for any purpose other than those for which they were  constructed  and
     no sweeping,  rubbish,  rags, or other  substances shall be thrown therein.
     Any damage  resulting  to them from misuse shall be borne by the Tenant who
     shall cause it.

8.   Tenant  and its  employees  and  guests  are not to injure  or  deface  the
     building nor the woodwork, nor the walls of the premises, nor carry on upon
     the premises any noisome, noxious, noisy, or offensive business nor conduct
     an auction  therein.  No  interference in any way with the other Tenants or
     those having business with them.

9.   No room  or  rooms  shall  be  occupied  or used  as  sleeping  or  lodging
     apartments.

                                                                      Initialed:
                                                                         /s/ RSW

                                       16
<PAGE>

10.  Tenant shall, when leaving premises at close of business,  or unoccupied at
     any time,  lock all  doors  and for any  default  or  carelessness  in this
     respect  shall make good all injury  sustained by other  Tenants and by the
     Landlord or by either of them,  for damages  resulting from such default or
     carelessness.

11.  No animal or bird shall be allowed in any part of the building.

12.  Any person or persons, other than the janitor or janitress of Landlord, who
     shall be employed for the purposes of cleaning  premises  shall be employed
     at Tenant's cost and Landlord shall be in no way  responsible  for any loss
     of property on or from the premises,  however occurring, or any damage done
     to the furniture or other effects of any Tenant by the janitor or janitress
     furnished by the Tenant or anyone under him.

13.  No Tenant shall  accumulate or store in the premises  covered by this Lease
     any waste paper, discarded records, paper files,  sweepings,  rags, rubbish
     or other  combustible  matter and Tenant  shall  surrender  such  matter to
     Landlord  without  compensation  to be handled and disposed of by Landlord.
     Nothing shall be thrown by Tenant,  their  employees or guests,  out of the
     window or doors,  down the passages or  skylights or over balcony  rails of
     the building.

14.  Tenant shall contract with the  appropriate  waste hauler to dispose of any
     infectious or hazardous waste as defined by state, city, or county codes.

15.  The  Landlord  reserves  the right to exclude from the building all drunken
     persons,  idlers,  and  peddlers,  solicitors  and  generally  persons or a
     character or conduct to create  disturbance and persons  entering in crowds
     or in such unusual numbers as to cause  inconvenience to the tenants of the
     building.

16.  Landlord reserves the right to designate, on a non-discriminatory basis, in
     writing to the Tenant,  those parking  spaces for Tenant's  employees  that
     will assure, in Landlord's  judgment,  maximum  availability of parking for
     all  the  building  tenants,  patients  and  clients.  In  the  event  said
     designated  parking  is not  adhered  to by  Tenant's  employees,  Landlord
     reserves the right to tow or impound vehicles of Tenant's  employees at the
     vehicle owner's expense.

17.  The building has been designated a smoke-free  environment.  Tenants, their
     employees,  and their  visitors  are  prohibited  from  smoking  within the
     building including all common areas and suites.

18.  Landlord  reserves  the right to change  these rules and to make such other
     further  reasonable  rules and regulations  either as it affects one or all
     tenants as in its judgment from time to time be needed for the safety, care
     and cleanliness of the premises, for the preservation of good order therein
     or for any other cause and when said changes are made, such modified or new
     rules  shall be deemed a part  thereof  with the same  effect as if written
     herein,  when a copy shall have been  delivered  to the Tenant or left with
     some person in charge of the demised premises.

                                                                      Initialed:
                                                                         /s/ RSW

                                       17

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00036-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00036-of-00352.parquet"}]]