Document:

<PAGE>

                                                                   EXHIBIT 10.23

                   FOURTH AMENDMENT TO AMENDED AND RESTATED
                          LOAN AND SECURITY AGREEMENT
                          ---------------------------

     THIS FOURTH AMENDMENT TO AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT
(this "Amendment") is dated as of the 20th day of March, 2000 by and among CMC
HEARTLAND PARTNERS, a Delaware general partnership ("CMC") and HEARTLAND
PARTNERS, L.P., a Delaware limited partnership ("Heartland"), jointly and
severally (CMC and Heartland are referred to herein from time to time
individually as a "Borrower" and collectively as "Borrowers"); and LASALLE BANK
NATIONAL ASSOCIATION, a national banking association ("Bank").

                             W I T N E S S E T H:

     WHEREAS, Bank and Borrowers entered into that certain Amended and Restated
Loan and Security Agreement dated as of June 30, 1998, as amended by that
certain Amendment to Amended and Restated Loan and Security Agreement dated as
of October 23, 1998, that certain Second Amendment to Amended and Restated Loan
and Security Agreement dated as of April 29, 1999 and that certain Third
Amendment to Amended and Restated Loan and Security Agreement dated as of
November 18, 1999 (the "Agreement"), and now desire to amend the Agreement to,
among other things, (i) add CMC Heartland Partners IV, LLC, a Delaware limited
liability company ("Partners"), as a party to the Agreement, (ii) increase
Bank's commitment to Borrowers, (iii) increase the interest rate, and (iv) add a
certain parcel of real property located in Fife, Washington to the collateral
securing the Loans (as defined in the Agreement) as further set forth in this
Amendment.

     NOW, THEREFORE, for and in consideration of the premises and mutual
agreements herein contained and for the purposes of setting forth the terms and
conditions of this Fourth Amendment, the parties, intending to be bound, hereby
agree as follows:

     1.   Incorporation of the Agreement.  All capitalized terms which are not
          ------------------------------
defined hereunder shall have the same meanings as set forth in the Agreement,
and the Agreement to the extent not inconsistent with this Amendment is
incorporated herein by this reference as though the same were set forth in its
entirety. To the extent any terms and provisions of the Agreement are
inconsistent with the amendments set forth in Paragraph 2 below, such terms and
                                              -----------
provisions shall be deemed superseded hereby. Except as specifically set forth
herein, the Agreement shall remain in full force and effect and its provisions
shall be binding on the parties hereto.

     2.   Amendment of the Agreement.  The Agreement is hereby amended as
          --------------------------
follows:
<PAGE>

          (1)  Any and all references to the Agreement shall be deemed to refer
to and include this Amendment, as the same may be further amended, modified or
supplemented from time to time.

          (2)  The definition of the term "Environmental Indemnity Agreement" in
Paragraph 1.1 is hereby amended and restated to read in its entirety as follows:
-------------

               "Environmental Indemnity Agreement" means that certain
                ---------------------------------
               Amended and Restated Environmental Indemnity Agreement
               dated as of June 30, 1998 made by Borrowers in favor of
               Bank, as amended by that certain Amendment to Amended
               and Restated Environmental Indemnity Agreement dated as
               of April 29, 1999 and that certain Second Amendment to
               Amended and Restated Environmental Indemnity Agreement
               dated as of March 20, 2000.

          (3)  The definition of the term "Galewood Assignment of Rents" in
Paragraph 1.1 is hereby amended and restated to read in its entirety as follows:
-------------

               "Galewood Assignment of Rents" means that certain
                ----------------------------
               Assignment of Rents and Leases dated as of June 30,
               1998 between CMC and Bank with respect to the Galewood
               Mortgaged Property, as amended by that certain
               Amendment to Assignment of Rents and Leases dated as of
               October 23, 1998, that certain Second Amendment to
               Assignment of Rents and Leases dated as of April 29,
               1999, that certain Second Amendment to Assignment of
               Rents and Leases dated November 18, 1999 and that
               certain Fourth Amendment to Assignment of Rents and
               Leases dated as of March 20, 2000, as the same may be
               amended, modified or supplemented from time to time.

          (4)  The definition of the term "Galewood Mortgage" in Paragraph 1.1
                                                                 -------------
is hereby amended and restated to read in its entirety as follows:

               "Galewood Mortgage" means that certain Mortgage and
                -----------------
               Security Agreement dated June 30, 1998 between CMC and
               Bank with respect to the Galewood Mortgaged Property,
               as amended by that certain Amendment to Mortgage and
               Security Agreement dated as of October 23, 1998, that
               certain Second Amendment to Mortgage and Security
               Agreement dated as of April 29, 1999, that certain
               Third Amendment to Mortgage and Security Agreement
               dated as of November 18, 1999 and that certain Fourth
               Amendment to Mortgage to Security Agreement dated as of
               March 20, 2000, as the same
<PAGE>

               may be further amended, modified or supplemented from
               time to time.

          (5)  The definition of the term "Kinzie Station Assignment of Rents"
in Paragraph 1.1 is hereby amended and restated to read in its entirety as
   -------------
follows:

               "Kinzie Station Assignment of Rents" means that certain
                ----------------------------------
               Assignment of Rents and Leases dated as of March 15,
               1996 made by CMC in favor of Bank with respect to the
               Kinzie Station Mortgaged Property, as amended by that
               certain Amendment to Assignment of Rents and Leases
               dated as of May 14, 1997, that certain Second Amendment
               to Assignment of Rents and Leases dated as of April 30,
               1998, that certain Third Amendment to Assignment of
               Rents and Leases dated as of June 30, 1998, that
               certain Fourth Amendment to Assignment of Rents and
               Leases dated as of October 23, 1998, that certain Fifth
               Amendment to Assignment of Rents and Leases dated as of
               April 29, 1999, that certain Sixth Amendment to
               Assignment of Rents and Leases dated as of November 18,
               1999 and that certain Seventh Amendment to Assignment
               of Rents and Leases dated as of March 20, 2000, as the
               same may be further amended, modified or supplemented
               from time to time.

          (6)  The definition of the term "Kinzie Station Mortgage" in Paragraph
                                                                       ---------
1.1 is hereby amended and restated in its entirety to read as follows:
---

               "Kinzie Station Mortgage" means that certain Mortgage
                -----------------------
               and Security Agreement dated as of March 15, 1996, made
               by CMC in favor of Bank with respect to the Kinzie
               Station Mortgaged Property, as amended by that certain
               Amendment to Mortgage and Security Agreement dated as
               of May 14, 1997, that certain Second Amendment to
               Mortgage and Security Agreement dated as of April 30,
               1998, that certain Third Amendment to Mortgage and
               Security Agreement dated as of June 30, 1998, that
               certain Fourth Amendment to Mortgage and Security
               Agreement dated as of October 23, 1998, that certain
               Fifth Amendment to Mortgage and Security Agreement
               dated as of April 29, 1999, that certain Sixth
               Amendment to Mortgage and Security Agreement dated as
               of November 18, 1999 and that certain Seventh Amendment
               to Mortgage and Security Agreement dated as of March
               20, 2000, as the same may be further amended, modified
               or supplemented from time to time.

                                       3
<PAGE>

          (7)  The definition of the term "Mortgaged Properties" in Paragraph
                                                                    ---------
1.1 is hereby amended and restated to read in its entirety as follows:
---

               "Mortgaged Properties" means the Galewood Mortgaged
                --------------------
               Property, the Kinzie Station Mortgaged Property, the
               Milwaukee Mortgaged Property and the Fife Mortgaged
               Property.

          (8)  The definition of the term "Other Agreements" in Paragraph 1.1 is
                                                                -------------
hereby amended and restated to read in its entirety as follows:

               "Other Agreements" means all agreements, instruments
                ----------------
               and documents, including, without limitation, Letters
               of Credit, guaranties, mortgages, deeds of trust,
               pledges, powers of attorney, consents, assignments,
               contracts, notices, security agreements, leases,
               financing statements and all other written matter
               heretofore, now and/or from time to time hereafter
               executed by and/or on behalf of Borrowers in favor of
               Bank including, without limitation, the Revolving Note,
               the Pledge Agreement, the Galewood Mortgage, the
               Galewood Assignment of Rents, the Kinzie Station
               Mortgage, the Kinzie Station Assignment of Rents, the
               Milwaukee Mortgage, the Milwaukee Assignment of Rents,
               the Fife Mortgage, the Fife Assignment of Rents and the
               Environmental Indemnity Agreement, all as may be
               modified, amended or supplemented from time to time.

          (9)  The definition of the term "Revolving Margin" in Paragraph 1.1 is
                                                                -------------
hereby amended and restated to read in its entirety as follows:

               "Revolving Margin" means One and One-Half percent (1 1/2%).
                ----------------

          (10) The definition of the term "Revolving Note" in Paragraph 1.1 is
                                                              -------------
hereby amended and restated to read in its entirety as follows:

               "Revolving Note" means that certain Substitute
                --------------
               Revolving Note dated as of March 20, 2000 made by
               Borrowers, jointly and severally, in favor of Bank, in
               the maximum principal amount available of Fifteen
               Million Three Hundred Thousand and 00/100 Dollars
               ($15,300,000), as the same may be amended, modified or
               supplemented from time to time, together with any
               renewals thereof or exchanges or substitutes therefor.

                                       4
<PAGE>

          (11) The following definitions are hereby added to Paragraph 1.1 to
                                                             -------------
read in their entirety as follows:

               "Fife Assignment of Rents" means that certain
                ------------------------
               Assignment of Rents and Leases dated as of March 20,
               2000 between Partners and Bank with respect to the Fife
               Mortgaged Property, as the same may be amended,
               modified or supplemented from time to time.

               "Fife Mortgage" means that certain Mortgage and
                -------------
               Security Agreement dated as of March 20, 2000 between
               Partners and Bank with respect to the Fife Mortgaged
               Property, as the same may be amended, modified or
               supplemented from time to time.

               "Fife Mortgaged Property" means that certain parcel of
                -----------------------
               land consisting of approximately 177 acres, located in
               Fife, Washington in the county of Pierce, serving as
               collateral hereunder and legally described on Schedule
                                                             --------
               1.1D attached hereto and made a part hereof.
               ----

          (12) Paragraph 2.1 is hereby amended and restated to read in its
               -------------
entirety as follows:

               2.1  Revolving Credit Commitment. On the terms and
                    ---------------------------
               subject to the conditions set forth in this Agreement,
               Bank agrees to make revolving credit available and
               Letters of Credit available to Borrowers from time to
               time prior to the Revolving Credit Termination Date
               with respect to revolving credit loans and the Letter
               of Credit Termination Date with respect to Letters of
               Credit, in such aggregate amounts as Borrowers may from
               time to time request but in no event exceeding Fifteen
               Million Three Hundred Thousand Dollars ($15,300,000) in
               the aggregate (the "Revolving Credit Commitment");
               provided, however, that in no event shall the aggregate
               amount of Letters of Credit outstanding at any one time
               exceed the Letter of Credit Limit. The Revolving Credit
               Commitment shall be available to Borrowers by means of
               Loans, it being understood that the Loans may be repaid
               and used again during the period from the date hereof
               to and including the Revolving Credit Termination Date,
               at which time the Revolving Credit Commitment shall
               expire.

     3.   Assent to Agreement.  Partners is hereby made a Borrower under the
          -------------------
Agreement and agrees to be bound by the applicable terms and conditions of the
Agreement as of the date hereof,

                                       5
<PAGE>

and hereby assumes all obligations and is entitled to the rights and benefits of
a Borrower under the Agreement. From and after the date hereof, any and all
references to the Borrowers shall be deemed to include Partners, except for
references to the Borrowers relating to their status prior to this Amendment and
with respect to representations and warranties made as of or with respect to a
specific prior date(s).

     4.   Grant of Security Interest.  In consideration of the Loans, and as
          --------------------------
security therefor and for the payment of any and all liabilities and obligations
of each Borrower to the Bank, howsoever created, arising or evidenced, and
howsoever owned, held or acquired, whether now or hereafter existing, whether
now due or to become due, whether direct or indirect, or absolute or contingent,
and whether several, joint or joint and several (the "Obligations"), CMC and
Heartland hereby reaffirm their grants of security interests to Bank pursuant to
Section 7.1 of the Agreement as security for the Obligations of each Borrower
-----------
under the Agreement and Partners hereby pledges, assigns, transfers and delivers
to the Bank and does hereby grant to the Bank a continuing and unconditional
security interest in and to any and all property of each Borrower of any kind or
description, tangible or intangible, whether now owned or existing, or hereafter
acquired or coming into existence, wherever now or hereafter located, including,
but not limited to (a) cash, negotiable instruments, documents of title, chattel
paper, securities, certificates of deposit, deposit accounts, interest or
dividends thereon, other cash equivalents and all other property of whatever
description of such Borrower, whether now existing or hereafter acquired, and
wherever now or hereafter located, and now or hereafter in transit to, or in
possession or control of or assigned to the Bank, and the products and proceeds
therefrom; and (b) the additional property of such Borrower, whether now
existing or hereafter acquired, wherever now or hereafter located, and the
products and proceeds therefrom and additions and accessions with respect
thereto identified and set forth as follows:

          (1)  All accounts, and all Goods, repossessed from or returned by an
Account Debtor, whose sale, lease, or other disposition any Borrower have given
rise to Accounts;

          (2)  All Inventory; All Goods, other than Inventory;

          (3)  All Equipment (including without limitation vehicles and
furniture) and Fixtures;

          (4)  All Chattel Paper, Instruments, Documents and General
Intangibles;

          (5)  All insurance policies and proceeds insuring the foregoing
property or any part thereof, including unearned premiums; and

          (6)  All books, records, customer lists, supplier lists and all other
evidences of such Borrower's business records; and all computer records,
software and programs.

     5.   Commitment Fee. As a condition of Bank's agreement to enter into this
          --------------
Agreement, Borrowers hereby agree to pay to Bank a commitment fee equal to One
Hundred Sixty Three Thousand Dollars ($153,000) which shall be due and payable
as of the date of this Amendment (the "Commitment Fee").

                                       6
<PAGE>

     6.   Closing Documents. All the documents on the Closing Checklist
          -----------------
(attached hereto as Exhibit A) shall be delivered concurrently with this
                    ---------
Amendment, each in form and substance satisfactory to Bank.

     7.   Representations and Warranties; No Event of Default; Schedules. The
          --------------------------------------------------------------
representations and warranties set forth in Paragraph 8.1 of the Agreement are
                                            -------------
deemed remade as of the date hereof and each Borrower represents that such
representations and warranties are true and correct as of the date hereof. No
Event of Default exists nor does there exist any event or condition which with
notice, lapse of time and/or the consummation of the transactions contemplated
hereby would constitute an Event of Default. The following schedules to the
Agreement, attached hereto as Exhibit B, are hereby deemed amended and restated:
                              ---------
A new Schedule 1.1D attached hereto is hereby added to the Agreement in its
      -------------
entirety. [OTHERS TO BE DETERMINED]

     8.   Fees and Expenses. The Borrowers agree to pay on demand all costs and
          -----------------
expenses of or incurred by Bank in connection with the evaluation, negotiation,
preparation, execution and delivery of this Amendment and the other instruments
and documents executed and delivered in connection with the transactions
described herein (including the filing or recording thereof), including, but not
limited to, the fees and expenses of counsel for the Bank and any future
amendments to the Agreement. Borrowers also agree to pay to Bank the Commitment
Fee on the date hereof.

     9.   Effectuation.  The amendments to the Agreement contemplated by this
          ------------
Amendment shall be deemed effective immediately upon the full execution of this
Amendment and without any further action required by the parties hereto. There
are no conditions precedent or subsequent to the effectiveness of this
Amendment.

     10.  Counterparts.  This Amendment may be executed in two or more
          ------------
counterparts, each of which shall be deemed to be an original, but all of which
together shall constitute one and the same instrument.

                           [SIGNATURE PAGE FOLLOWS]

                                       7
<PAGE>

     IN WITNESS WHEREOF, the parties hereto have duly executed this Fourth
Amendment as of the date first above written.

                                             CMC HEARTLAND PARTNERS, a
                                             Delaware general partnership

                                             By: HEARTLAND TECHNOLOGY, INC., a
                                                 Delaware corporation and an
                                                 authorized general partner

                                             By:________________________________
                                                   Its President

                                             By: HEARTLAND PARTNERS, L.P., a
                                                 Delaware limited partnership
                                                 and an authorized general
                                                 partner

                                             By:  Heartland Technology, Inc.,
                                             Its: General Partner

                                             By:________________________________
                                                   Its President

                                             HEARTLAND PARTNERS, L.P.,
                                             a Delaware limited partnership

                                             By:  Heartland Technology, Inc.
                                             Its: General Partner

                                             By:________________________________
                                                   Its President

                                       8
<PAGE>

                                             CMC HEARTLAND PARTNERS IV, a
                                             Delaware limited liability company

                                             By:________________________________
                                             Its:_______________________________

LASALLE BANK NATIONAL ASSOCIATION,
a national banking association

By:________________________________
Its:_______________________________

                                       9
<PAGE>

                                   EXHIBIT A
                                   ---------

                         [Closing Checklist Attached]
<PAGE>

                                   EXHIBIT B
                                   ---------

                           [See Attached Schedules]
<PAGE>

                                 SCHEDULE 1.1D
                                 -------------

           [Attached Legal Description for Fife Mortgaged Property]

                                      12<PAGE>

                                                                   EXHIBIT 10.24

                SECOND AMENDMENT TO CONSTRUCTION LOAN AGREEMENT

     THIS SECOND AMENDMENT TO CONSTRUCTION LOAN AGREEMENT ("Amendment") is dated
                                                            ---------
as of March 31, 2000, by and between CMC HEARTLAND PARTNERS I, LIMITED
PARTNERSHIP, a Delaware limited partnership ("Borrower"), and BANK ONE,
                                              --------
ILLINOIS, NA, a national banking association ("Lender").
                                               ------

                                   RECITALS:
                                   --------

     A.   Lender has previously made a term loan to Borrower in the principal
amount of $2,500,000 (the "Term Loan") pursuant to and in accordance with that
                           ---------
certain Loan Agreement, as amended from time to time (the "Term Loan
                                                           ---------
Agreement"), dated as of November 30, 1998, by and between Borrower and Lender.
---------
The Term Loan is evidenced by a certain Promissory Note dated as of November 30,
1998 (the "Term Note"), made by Borrower in the original principal amount of
           ---------
$2,500,000 and payable to Lender.

     B.   Lender has previously made (i) a revolving line of credit (the
"Revolving Loan") in the maximum outstanding principal amount of $4,000,000, and
 --------------
(ii) a $1,750,000 construction loan (the "Development Loan") pursuant to and in
                                          ----------------
accordance with that certain Construction Loan Agreement (as amended, restated,
supplemented or modified and in effect from time to time, the "Construction Loan
                                                               -----------------
Agreement"), dated as of February 1, 1999. All capitalized terms which are not
---------
defined herein shall have the meaning ascribed thereto in the Construction Loan
Agreement.

     C.   Lender and Borrower desire to amend the Construction Loan Agreement as
herein set forth.

     NOW, THEREFORE, for other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, Borrower and Lender hereby agree
as follows:

     1.   Incorporation of Recitals.  The Recitals set forth above are
          -------------------------
incorporated herein and made a part hereof.

     2.   Reduction of the Revolving Loan.  Effective as of the Amendment
          -------------------------------
Effective Date, the Construction Loan Agreement is amended by (a) reducing the
maximum outstanding principal amount of the Revolving Loan from $4,000,000 to
$2,000,000, and (b) amending and restating the definition of "Revolving Note"
contained in Section 2.63 with "that certain Amended and Restated Revolving Loan
Note, dated as of the date of this Amendment, made by Borrower in the original
principal amount of $2,000,000 to evidence the Revolving Loan."

     3.   Revolving Loan Maturity Date.  Effective as of the Amendment
          ----------------------------
Effective Date and notwithstanding anything to the contrary, the Construction
Loan Agreement is amended by extending the Revolving Loan Maturity Date to
December 1, 2000.  Effective as of the
<PAGE>

Amendment Effective Date, all references to the "Revolving Loan Maturity Date"
shall mean December 1, 2000.

     4.   Revolving Loan Commitment.  Notwithstanding anything to the contrary,
          -------------------------
the Construction Loan Agreement is amended by deleting any requirement Lender
may have to make disbursements of the Revolving Loan for any Sold Unit, Model or
Spec Home that Lender has not previously financed through disbursements of the
Revolving Loan.

     5.   Maximum Amount of Revolving Loan.  Effective as of the Amendment
          --------------------------------
Effective Date, the Construction Loan Agreement is amended by amending and
restating Section 3.1(i) in its entirety as follows:

          "(i)  80% of the appraised value of such Unit if such Unit at such
     time is a Sold Unit, or 75% of the appraised value of such Unit if such
     Unit at such time is a Model or Spec Home (provided that such percentage of
     appraised value of such Spec Home shall be reduced from 75% to 70% twelve
     months after the date on which the first draw of proceeds of the Revolving
     Loan for such Spec Home was made, if applicable, and from 70% to 65%
     eighteen months after the date on which the first draw of proceeds of the
     Revolving Loan for such Spec Home was made, if applicable), or"
                                                                 --

     6.   Voluntary Prepayment.  Effective as of the Amendment Effective Date,
          --------------------
the Construction Loan Agreement is amended by amending and restating Section 3.4
in its entirety as follows:

          "3.4  Voluntary Prepayment.  Borrower may prepay all or any part of
                --------------------
     the Revolving Loan or the Development Loan at any time and from time to
     time without cost or penalty."

     7.   Mandatory Principal Payments on the Development Loan.  Effective as
          ----------------------------------------------------
of the Amendment Effective Date, the Construction Loan Agreement is amended by
inserting the following sentence at the end of Section 3.7: "If the outstanding
principal balance of the Development Loan exceeds the maximum permitted amount
set forth in Section 3.2 above, Borrower shall immediately repay the amount of
such excess."

     8.   Mandatory Principal Payments on the Revolving Loan.  Effective as of
          --------------------------------------------------
the Amendment Effective Date, the Construction Loan Agreement is amended by
amending and restating Section 3.8 in its entirety as follows:

          "3.8  Mandatory Principal Payments on the Revolving Loan.
                --------------------------------------------------

                (a)  If the outstanding principal balance of the Revolving Loan
          at any time exceeds the maximum permitted amount set forth in Section
          3.1 above, Borrower shall immediately repay the amount of such excess.
<PAGE>

                (b)  Concurrently with the closing of the sale of each Unit,
          Borrower shall make a principal payment on the Revolving Loan equal to
          the amount of the Revolving Loan previously disbursed by Lender with
          respect to such Unit.

                (c)  Borrower must make a mandatory principal payment on the
          Revolving Loan equal to the aggregate amount of the Revolving Loan
          previously disbursed by Lender with respect to each Sold Unit nine
          months after the date on which the first draw of proceeds of the
          Revolving Loan for such Sold Unit was made.

                (d)  Borrower must make a mandatory principal payment on the
          Revolving Loan equal to the aggregate amount of the Revolving Loan
          previously disbursed by Lender with respect to each Spec Home twenty-
          four months after the date on which the first draw of proceeds of the
          Revolving Loan for such Spec Home was made.

                (e)  Borrower must make a mandatory principal payment on the
          Revolving Loan equal to the aggregate amount of the Revolving Loan
          previously disbursed by Lender with respect to each Model eighteen
          months after the date on which the first draw of proceeds of the
          Revolving Loan for such Model was made."

     9.   Revolving Loan Extension Options.  Effective as of the Amendment
          --------------------------------
Effective Date, the Construction Loan Agreement is amended by deleting Section
3.12 in its entirety.

     10.  Conditions to Effectiveness.  This Amendment shall become effective
          ---------------------------
on the date (the "Amendment Effective Date") on which the following conditions
                  ------------------------
precedent have been satisfied or waived in writing:

          (a)   Borrower and Lender shall have each executed and delivered this
     Amendment to Lender.

          (b)   Lender receives a fee in the amount of $20,000.

          (c)   Borrower shall have executed and delivered an amended and
     restated Revolving Note in substantially the form of Exhibit A attached
                                                          ---------
     hereto.

          (d)   Lender and Bremer Bank shall have each executed and delivered
     that certain First Amendment of Construction Loan Participation Agreement
     to Lender.

          (e)   Lender shall have received a certificate signed by an
     authorized officer of  Borrower, dated as the Amendment Effective Date,
     certifying the incumbency of Borrower's officers and copies of resolutions
     of the board of directors of Borrower approving and authorizing the
     execution, delivery and performance of Borrower of this
<PAGE>

     Amendment, the amended and restated Revolving Note and each other
     instrument, document or agreement to be executed or delivered by Borrower
     hereunder.

          (f)   a legal opinion in form and substance, as Lender may reasonably
require.

     11.  Representation and Warranties.  To induce Lender to enter into this
          -----------------------------
Amendment, Borrower hereby represents and warrants to Lender as of the Amendment
Effective Date that:

          (a)   Except for mechanics' liens which have been filed against the
     Project, since February 1, 1999, there has been no development or event,
     which has had or could reasonably be expected to have a material adverse
     effect on the business, property, condition (financial or other), results
     of operations or prospects of Borrower, or the validity or enforceability
     of any of the Loan Documents or the rights or remedies of  Lender
     thereunder.  No Unmatured Default or Event of Default has occurred and will
     be continuing on the Amendment Effective Date after giving effect to this
     Amendment.

          (b)   Borrower has the power and authority, and the legal right, to
     make and deliver this Amendment and to perform all of its obligations under
     the Loan Agreement, as amended by this Amendment, the Loan Documents, and
     has taken all necessary action to authorize the execution and delivery of
     this Amendment and the performance of the Loan Documents, as so amended.

          (c)   When executed and delivered, this Amendment and the Loan
     Agreement, as amended by this Amendment, will constitute legal, valid and
     binding obligations of Borrower, enforceable against it, in accordance with
     its terms, except as affected by bankruptcy, insolvency, fraudulent
     conveyance, reorganization, moratorium and other similar laws relating to
     or affecting the enforcement of creditors' rights generally, general
     equitable principles (whether considered in a proceeding in equity or at
     law) and an implied covenant of good faith and fair dealing.

          (d)   The representations and warranties made by the Borrower in the
     Loan Agreement are true and correct in all material respects on and as of
     the Amendment Effective Date, before and after giving effect to the
     effectiveness of this Amendment, as if made on and as of the Amendment
     Effective Date, other than those that relate to an earlier or specific
     date.

     12.  Amendment Binding.  This Amendment shall be binding on Borrower and
          -----------------
its successors and permitted assigns, and shall inure to the benefit of Lender
and its successors and assigns.

     13.  Continued Effectiveness.  Except as expressly provided herein, the
          -----------------------
Loan Documents and the shall remain in full force and effect in accordance with
their respective terms.
<PAGE>

     14.  Governing Law.  The validity and interpretation of this Amendment
          -------------
shall be construed in accordance with the laws and decisions of the State of
Illinois.

     15.  Invalidity of Provisions.  If any provision of this Amendment shall
          ------------------------
be prohibited by or be invalid under applicable law, such provision shall be
deemed ineffective to the extent of such prohibition or invalidity, without
invalidating the remained of such provisions or the remaining provisions of this
Amendment.

     16.  Counterparts.  This Amendment may be executed in counterparts, and all
          ------------
said counterparts when taken together shall constitute one and the same
Amendment.

     17.  Headings.  The titles and headings of the articles, sections and
          --------
paragraphs of this Amendment have been inserted as a matter of convenience of
reference only and shall not control or affect the meaning or construction of
any of the terms or provisions of this Amendment.

     IN WITNESS WHEREOF, this Amendment has been entered into as of the date
first above written.

CMC HEARTLAND PARTNERS I, LIMITED
PARTNERSHIP, a Delaware limited
partnership

By:  Heartland Development Corporation,
     a Delaware corporation

     By:    ____________________________
     Title: ____________________________
<PAGE>

BANK ONE, ILLINOIS, NA, a national banking association

By:    ______________________________
Title: ______________________________

                                       6

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00009-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00009-of-00352.parquet"}]]