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                                                                   EXHIBIT 10.21

                                    GUARANTY

      WHEREAS, DEL MAR MORTGAGE, INC., a Nevada corporation, with offices at
2901 El Camino Avenue, Suite 206, Las Vegas, Nevada 89102 (the "Debtor"), has
executed an Indemnity Agreement in favor of VESTIN GROUP, INC., a Delaware
corporation, and VESTIN MORTGAGE, INC., a Nevada corporation (together,
"Indemnitee") with offices at 2901 El Camino Avenue, Las Vegas, Nevada 89102;

      WHEREAS, the Indemnitee is not willing to agree to the indemnity Agreement
with Debtor unless it receives a guaranty of the undersigned (the "Guarantor")
covering Debtor's indebtedness to Indemnitee under the Indemnity Agreement;

      WHEREAS, Guarantor is the sole shareholder of Debtor and is willing to
execute and perform this Guaranty;

      NOW, THEREFORE, in consideration of the foregoing premises and for other
good and valuable consideration, the receipt of which is hereby acknowledged,
Guarantor unconditionally guarantees and promises to pay Indemnitee, or order,
on demand, in lawful money of the United States, any and all indebtedness of
Debtor to Indemnitee under the Indemnity Agreement (the "Indebtedness").
Guarantor agrees that whenever at any time or from time to time he shall make
any payment to Indemnitee hereunder on account of the Guarantor's liability
hereunder, he will notify Indemnitee in writing that such payment is made under
this Guaranty for such purpose,

      The obligations hereunder are independent of the obligations of Debtor,
and a separate action or actions may be brought and prosecuted against Guarantor
regardless of whether action is brought against Debtor or whether Debtor be
joined in any such action or actions.

      Guarantor authorizes Indemnitee, without notice or demand and without
affecting his liability hereunder, from time to time to (a) create new
indebtedness, renew, compromise, extend, accelerate or otherwise change the time
for payment of, or otherwise change the terms of the Indebtedness or any part
thereof; (b) otherwise exercise any right or remedy it may have against Debtor;
(c) refrain from setting off and release, in whole or in part, any balance of
any credit on its books in favor of Debtor or any other person; and (d) settle,
compromise with, release or substitute any one or more of the makers, endorsers
or guarantors of the Indebtedness.

      The liability of the Guarantor hereunder shall be reinstated and revived,
and the rights of Indemnitee shall continue with respect to any amount at any
time paid on account of the Indebtedness which shall thereafter be required to
be returned or restored by Indemnitee upon the insolvency, reorganization or
bankruptcy of Debtor, all as if such amount had not been paid to Indemnitee.

      This is a guaranty of payment and not of collection and is not conditioned
or contingent upon the genuineness, validity, regularity, or enforceability of
the indebtedness or any documents or actions relating to the creation or
performance of the Indebtedness. Guarantor waives any right to require
Indemnitee to (a) proceed against Debtor; (b) proceed against or exhaust any
security held from Debtor; or (c) pursue any other remedy in Indemnitee's power

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whatsoever. Guarantor waives any defense arising by reason of any disability or
other defense of Debtor or by reason of the cessation from any cause whatsoever
of the liability of Debtor. Until all of the Indebtedness shall have been paid
in full, even though such Indebtedness is in excess of Guarantor's liability
hereunder, Guarantor shall have no right of subrogation, and waive any right to
enforce any remedy which Indemnitee now has or may hereafter have against
Debtor, and waive any benefit of, and any right to participate in any security
now or hereafter held by Indemnitee. Guarantor waives all presentments, demands
for performance or payment, notices of protest or dishonor, notices of default,
notices of acceptance of this Guaranty and of the existence, creation, or
incurring of a new or additional indebtedness of Debtor to Indemnitee, and all
other notices. Guarantor waives the benefit of any statute of limitations
affecting his liability hereunder or the enforcement thereof. Guarantor waives
any and all suretyship defenses he may have under the laws of California or any
other state. GUARANTOR WAIVES ALL RIGHTS AND DEFENSES ARISING OUT OF AN ELECTION
OF REMEDIES BY INDEMNITEE, EVEN THOUGH THAT ELECTION OF REMEDIES, SUCH AS A
NONJUDICIAL FORECLOSURE WITH RESPECT TO SECURITY FOR A GUARANTEED OBLIGATION,
HAS DESTROYED THE GUARANTOR'S RIGHTS OF SUBROGATION AND REIMBURSEMENT AGAINST
DEBTOR BY THE OPERATION OF CALIFORNIA CODE OF CIVIL PROCEDURE SECTION 580D OR
OTHERWISE.

      All moneys available to Indemnitee for application in payment or reduction
of the indebtedness of Debtor may be applied by Indemnitee in such manner and in
such amounts and at such time or times as it may see fit to the payment or
reduction of such of the Indebtedness as Indemnitee may elect. Any indebtedness
of Debtor now or hereafter held by Guarantor is hereby subordinated to the
Indebtedness; and such indebtedness if Indemnitee so requests shall be
collected, enforced and received by Guarantor as trustee for Indemnitee and
shall be paid over to Indemnitee on account of the Indebtedness but without
reducing or affecting in any manner the liability of Guarantor under the other
provisions of this Guaranty.

      Indemnitee may without notice assign this Guaranty or any of its rights
and powers hereunder with all or any of the Indebtedness and, in the event of
such assignment, the assignee hereof or of such rights and powers shall have the
same rights and remedies as if originally named herein in place of Indemnitee.
This Guaranty and all rights, obligations and liabilities arising hereunder
shall be construed according to the laws of the State of Nevada. Unless the
context otherwise requires, all terms used herein which are defined in the
Nevada Uniform Commercial Code shall have the meanings therein stated.

      It is not necessary for Indemnitee to inquire into the powers of Debtor or
the officers, directors, partners, managers, members, or agents acting or
purporting to act on their behalf, and any Indebtedness made or created in
reliance upon the professed exercise of such powers shall be guaranteed
hereunder.

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      Any provision of this Guaranty held to be unenforceable, invalid or
illegal shall be severable from the rest of this Guaranty and shall not affect
the remaining provisions hereof or the validity or enforceability of such
provisions in any other jurisdiction.

      Guarantor warrants and agrees that each waiver set forth herein is made
with full knowledge of its importance and consequences and, therefore, is not
contrary to law or public policy.

      No delay on the part of Indemnitee in exercising any right hereunder or
failure to exercise the same shall operate as a waiver of such right; no notice
to or demand on Guarantor shall be deemed a waiver of the obligation of
Guarantor or of the right of Indemnitee to take further action without notice or
demand as provided herein; nor in any event shall any modification or waiver of
the provisions of this Guaranty be effective unless in writing nor shall any
such waiver be applicable except in the specific instance for which it was
given.

      The liability of Guarantor under this Guaranty shall not exceed the
maximum amount that can be hereby incurred without rendering this Guaranty, as
it relates to Guarantor, voidable under applicable law relating to fraudulent
conveyance or fraudulent transfer. This paragraph is intended solely to preserve
the rights of Indemnitee hereunder to the maximum extent that would not cause
Guarantor's liability hereunder to be subject in part to avoidance under
applicable law, and neither Guarantor nor any other person shall have any right
or claim under this paragraph. Guarantor agrees to pay a reasonable attorneys'
fees and all other costs and expenses which may be incurred by Indemnitee in the
enforcement of this Guaranty and of the indebtedness.

      Any married person who signs this Guaranty hereby expressly agrees that
recourse may be had against his/her separate property for all his/her
obligations under this Guaranty. This Guaranty may only be modified or amended
by a signed writing between Guarantor and Indemnitee.

      IN WITNESS WHEREOF, Guarantor has executed this Guaranty as of August __,
2003

                                    ------------------------
                                    Name: Michael V. Shustek

State of Nevada    )
                   ) ss.
County of Clark    )

      On the __(  ) day of August, 2003, personally appeared before me a Notary
Public in and for said County and State, Michael V. Shustek, known to me to be
the person that executed the foregoing instrument, and upon oath did depose that
he executed the instrument freely and voluntarily and for the uses and purposes
therein men

                                    ----------------------
                                    Notary Public

                                                                   [NOTARY SEAL]
                                       3<PAGE>

                                                                    EXHIBIT 10.6

                               EXTENSION AGREEMENT

         THIS EXTENSION AGREEMENT is entered into as of the 6th day of August,
2003, by and between ProLogis North Carolina Limited Partnership (the
"Landlord") and Glas-Craft, Inc. (the "Tenant").

                                   WITNESSETH:

         WHEREAS, Landlord and Tenant have entered into a Lease, dated as of the
6th day of October, 1998, and further modified in that certain First Amendment
to Lease dated as of the 28th day of January, 2000, pursuant to which Landlord
leased to Tenant certain premises located at 5845 W. 82nd Street, Suite 102,
Indianapolis, IN 46278 (such lease, as heretofore and hereafter modified, being
herein referred to as the "Lease").

         WHEREAS, Landlord and Tenant desire to extend the term of the Lease on
the terms and conditions set forth below.

         NOW THEREFORE, in consideration of Ten Dollars ($10.00) and other good
and valuable consideration, the receipt and sufficiency of which is hereby
acknowledged, the Landlord and Tenant agree as follows:

         1. Effective February 1, 2004 (the "Effective Date") the term of the
            Lease shall be extended for sixty (60) months, such that the Lease
            shall terminate on the 31st day of January, 2009. All of the terms
            and conditions of the Lease shall remain in full force and effect
            during such extension period except that the Monthly Base Rent shall
            be $17,066.67 during such extension.

         2. As of the Effective Date, the Base Year shall be revised to reflect
            2004 actual levels.

         3. The Turnkey Construction language attached hereto shall be
            incorporated into the Lease as Addendum C.

         4. The Renewal Option language attached hereto shall be incorporated
            into the Lease as Addendum D.

         5. The Cap on Controllable Operating Expenses language attached hereto
            shall be incorporated into the Lease as Addendum E.

         6. Except as modified herein, the Lease, and all of the terms and
            conditions thereof, shall remain in full force and effect.

         7. Any obligation or liability whatsoever of ProLogis North Carolina
            Limited Partnership, a Maryland Real Estate Investment Trust, which
            may arise at any time under the Lease or this Agreement or any
            obligation or liability which may be incurred by it pursuant to any
            other instrument, transaction or undertaking contemplated hereby,
            shall not be personally binding upon, nor shall resort for the
            enforcement thereof be had to the property of, its trustees,
            directors, shareholders, officers, employees, or agents regardless
            of whether such obligation or liability is in the nature of the
            contract, tort or otherwise.

IN WITNESS WHEREOF, the parties hereto have signed this Extension Agreement as
of the day and year first above written.

                                 LANDLORD:
                                 ProLogis North Carolina Limited Partnership
                                 By:ProLogis-North Carolina (1) Incorporated,
                                    its general partner

                                 By:    /s/ Daryl H. Mechem
                                     ----------------------
                                 Name:  Daryl H. Mechem
                                 Title: Senior Vice President

                                 TENANT:

                                 Glas-Craft, Inc.

                                 By:    /s/ Robert Pawlak
                                     --------------------
                                 Name:  Robert Pawlak
                                 Title: CFO

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                                   ADDENDUM C

                                  CONSTRUCTION
                                    (TURNKEY)

                  ATTACHED TO AND A PART OF THE LEASE AGREEMENT
                              DATED 8/6/03 BETWEEN
                   ProLogis-North Carolina Limited Partnership
                                       and
                                Glas-Craft, Inc.

         (a) Landlord agrees to furnish or perform at Landlord's sole cost and
expense those items of construction and those improvements (the "Initial
Improvements") specified below:

                  1. Install new 26 oz. direct glue down carpeting or VCT tile
                     in the areas shown on the attached Exhibits D1 and D2.
                     Landlord shall move and put back in place all office
                     furniture. Tenant must remove all office equipment prior to
                     furniture move.

                  2. Replace up to five (5) gas fired hanging unit heaters in
                     the warehouse area.

         (b) If Tenant shall desire any changes, Tenant shall so advise Landlord
in writing and Landlord shall determine whether such changes can be made in a
reasonable and feasible manner. Any and all costs of reviewing any requested
changes, and any and all costs of making changes to the Initial Improvements
which Tenant may request and which Landlord may agree to shall be at Tenant's
sole cost and expense and shall be paid to Landlord upon demand and before
execution of the change order.

         (c) Landlord shall proceed with and complete the construction of the
Initial Improvements. As soon as such improvements have been Substantially
Completed, Landlord shall notify Tenant in writing of the date that the Initial
Improvements were Substantially Completed. The Initial Improvements shall be
deemed substantially completed ("Substantially Completed") when, in the opinion
of the construction manager (whether an employee or agent of Landlord or a third
party construction manager)("Construction Manager"), the Premises are
substantially completed except for punch list items which do not prevent in any
material way the use of the Premises for the purposes for which they were
intended. In the event Tenant, its employees, agents, or contractors cause
construction of such improvements to be delayed, the date of Substantial
Completion shall be deemed to be the date that, in the opinion of the
Construction Manager, Substantial Completion would have occurred if such delays
had not taken place. Without limiting the foregoing, Tenant shall be solely
responsible for delays caused by Tenant's request for any changes in the plans,
Tenant's request for long lead items or Tenant's interference with the
construction of the Initial Improvements, and such delays shall not cause a
deferral of the Commencement Date beyond what it otherwise would have been.
After the Commencement Date Tenant shall, upon demand, execute and deliver to
the Landlord a letter of acceptance of delivery of the Premises. In the event of
any dispute as to the Initial Improvements, including the Commencement Date, the
certificate of the Construction manager shall be conclusive absent manifest
error.

         (d) The failure of Tenant to take possession of or to occupy the
Premises shall not serve to relieve Tenant of obligations arising on the
Commencement Date or delay the payment of rent by Tenant. Subject to applicable
ordinances and building codes governing Tenant's right to occupy or perform in
the Premises, Tenant shall be allowed to install its tenant improvements,
machinery, equipment, fixtures, or other property on the Premises during the
final stages of completion of construction provided that Tenant does not thereby
interfere with the completion of construction or cause any labor dispute as a
result of such installations, and provided further that Tenant does hereby agree
to indemnify, defend and hold Landlord harmless from any loss or damage to such
property, and all liability, loss, or damage arising from any injury to the
Project or the property of Landlord, its contractors, subcontractors, or
materialmen, and any death or personal injury to any person or persons arising
out of such installations, unless any such loss, damage, liability, death, or
personal injury was cause by Landlord's negligence. Any such occupancy or
performance in the Premises shall be in accordance with the provisions governing
Tenant-Made Alterations and Trade Fixtures in the Lease, and shall be subject to
Tenant providing to Landlord satisfactory evidence of insurance for personal
injury and property damage related to such installations and satisfactory
payment arrangements with respect to installations permitted hereunder. Delay in
putting Tenant in possession of the Premises shall not serve to extend the term
of this Lease or to make Landlord liable for any damages arising therefrom.

         (e) Except for incomplete punch list items, Tenant upon the
Commencement Date shall have and hold the Premises as the same shall then be
without any liability or obligation on the part of Landlord for making any
further alterations or improvements of any kind in or about the Premises.

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                                   ADDENDUM D

                          ONE RENEWAL OPTION AT MARKET

                  ATTACHED TO AND A PART OF THE LEASE AGREEMENT
                              DATED 8/6/03 BETWEEN
                   ProLogis-North Carolina Limited Partnership
                                       and
                                Glas-Craft, Inc.

         (a) Provided that as of the time of the giving of the Extension Notice
and the Commencement Date of the Extension Term, (x) Tenant is the Tenant
originally named herein, (y) Tenant actually occupies all of the Premises
initially demised under this Lease and any space added to the Premises, and (z)
no Event of Default exists or would exist but for the passage of time or the
giving of notice, or both; then Tenant shall have the right to extend the Lease
Term for an additional term of 2 years (such additional term is hereinafter
called the "Extension Term") commencing on the day following the expiration of
the Lease Term (hereinafter referred to as the "Commencement Date of the
Extension Term"). Tenant shall give Landlord notice (hereinafter called
"Extension Notice") of its election to extend the term of the Lease Term at
least 9 months, but not more than 12 months, prior to the scheduled expiration
date of the Lease Term.

         (b) The Base Rent payable by Tenant to Landlord during the Extension
Term shall be the greater of (i) the Base Rent applicable to the last year of
the initial Lease term and (ii) the then prevailing market rate for comparable
space in the Project and comparable buildings in the vicinity of the Project,
taking into account the size of the Lease, the length of the renewal term,
market escalations and the credit of Tenant. The Base Rent shall not be reduced
by reason of any costs or expenses saved by Landlord by reason of Landlord's not
having to find a new tenant for such premises (including, without limitation,
brokerage commissions, costs of improvements, rent concessions or lost rental
income during any vacancy period). In the event Landlord and Tenant fail to
reach an agreement on such rental rate and execute the Amendment (defined below)
at least 6 moths prior to the expiration of the Lease, then Tenant's exercise of
the renewal option shall be deemed withdrawn and the Lease shall terminate on
its original expiration date.

         (c) The determination of Base Rent does not reduce the Tenant's
obligation to pay or reimburse Landlord for Operating Expenses and other
reimbursable items as set forth in the Lease, and Tenant shall reimburse and pay
Landlord as set forth in the Lease with respect to such Operating Expenses and
other items with respect to the Premises during the Extension Term without
regard to any cap on such expenses set forth in the Lease.

         (d) Except for the Base Rent as determined above, Tenant's occupancy of
the Premises during the Extension Term shall be on the same terms and conditions
as are in effect immediately prior to the expiration of the initial Lease Term;
provided, however Tenant shall have no further right to any allowances, credits
or abatements or any options to expand, contract, renew or extend the Lease.

         (e) If Tenant does not give the Extension Notice within the period set
forth in paragraph (a) above, Tenant's right to extend the Lease Term shall
automatically terminate. Time is of the essence as to the giving of the
Extension Notice.

         (f) Landlord shall have no obligation to refurbish or otherwise improve
the Premises for the Extension Term. The Premises shall be tendered on the
Commencement Date of the Extension Term in "as-is" condition.

         (g) If the Lease is extended for the Extension Term, then Landlord
shall prepare and Tenant shall execute an amendment to the Lease confirming the
extension of the Lease Term and the other provisions applicable thereto (the
"Amendment").

         (h) If Tenant exercises its right to extend the term of the Lease for
the Extension Term pursuant to this Addendum, the term "Lease Term" as used in
the Lease, shall be construed to include, when practicable, the Extension Term
except as provided in (d) above.
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                                   ADDENDUM E

                     CAP ON CONTROLLABLE OPERATING EXPENSES

                  ATTACHED TO AND A PART OF THE LEASE AGREEMENT
                              DATED 8/6/03 BETWEEN
                   ProLogis-North Carolina Limited Partnership
                                       and
                                Glas-Craft, Inc.

         Tenant shall not be obligated to pay for Controllable Operating
Expenses in any year to the extent they have increased by more the eight percent
(8%) per annum, compounded annually on a cumulative basis from the 2004 Base
Year level. For purposes of this Addendum, Controllable Operating Expenses shall
mean all Operating Expenses as set forth in Paragraph 6 of the Lease, except for
taxes, insurance premiums, utility costs and snow removal. Controllable
Operating Expenses shall be determined on an aggregate basis and not on an
individual basis, and the cap on Controllable Operating Expenses shall be
determined on Operating Expenses as they have been adjusted for vacancy or usage
pursuant to the terms of the Lease.

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