Document:

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                                                                    Exhibit 4.10

CJM/11-26-97/01-26-98              MELF #95-9-242

                                 LOAN AGREEMENT
                                 --------------

     THIS LOAN AGREEMENT, MADE this 29th day of January, 1998, BY AND BETWEEN
RED BELL BREWING CO., a Pennsylvania corporation, with its principal offices at
3100 Jefferson Street, Philadelphia, Pennsylvania 19121 (the "Borrower") and
the COMMONWEALTH OF PENNSYLVANIA, acting by and through the DEPARTMENT OF
COMMUNITY AND ECONOMIC DEVELOPMENT, having an office at Room 433 Forum
Building, c/o Loans Office, Harrisburg, Pennsylvania 17120 (the "Department").

                                WITNESSETH THAT:

     WHEREAS, the Borrower has established an industrial development project on
a tract of land in Philadelphia County, Pennsylvania (the "Project"); and

     WHEREAS, in concert with the establishment of the Project, the Borrower
has purchased or intends to purchase certain machinery and equipment for use at
the Project as more fully described at Exhibit A and which is incorporated
herein by reference and made a part hereof (the "Equipment"); and

     WHEREAS, pursuant to the authority granted the Department by virtue of the
Machinery and Equipment Loan Fund ("MELF") Act, Act 120 of 1988, P.L. 1050 (the
"Act"), the Department has approved the Borrower's application for a loan not
to exceed the principal amount of $500,000 (the "Loan") to be used exclusively
to defray a part of the cost of purchasing the Equipment (the "Cost"); and

     WHEREAS, the Department is willing to make the Loan upon the terms and
subject to the conditions hereinafter set forth;

     NOW, THEREFORE, the parties hereto, in consideration of the mutual
promises herein contained and intending to be legally bound hereby, covenant
and agree as follows:

     Section 1.     The Loan. Subject to the conditions set forth herein, the
Department agrees to make the Loan to the Borrower for the purpose of defraying
a portion the Cost of purchasing the equipment described in Exhibit A of the
Security Agreement (described herein).

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     Section 2.     THE NOTE. The Loan shall be evidenced by a note (the "Note")
of even date herewith given by the Borrower to the Department, the terms and
provisions of which are incorporated herein by reference thereto and made a part
hereof.

     Section 3.     SECURITY. Payment of the Note and satisfaction of all
obligations of the Borrower hereunder and under the Note shall be secured by:

          a.   THE SECURITY AGREEMENT. A security interest in the Equipment
     given by the Borrower to the Department under a security agreement of even
     date herewith (the "Security Agreement"), the terms and provisions of which
     are incorporated herein by reference thereto and made a part hereof. The
     Security Agreement shall be dated the date of the Note and shall create a
     first lien upon the Equipment.

          b.   GUARANTY. A Guaranty and Surety Agreement given by JAMES R. BELL
     to the Department (the "Guaranty").

          c.   MORTGAGE. A Mortgage given by the Borrower to the Department (the
     "Mortgage"), creating a junior lien on the real property located at 3100
     Jefferson Street, Philadelphia, Pennsylvania 19102-2126, containing 1.64
     acres more or less in Philadelphia County, Pennsylvania, subject to a first
     lien in favor of Pennsylvania Industrial Development Authority in the
     amount of $392,362 and a second lien in favor of CORESTATES BANK, N.A. (the
     "Bank"), securing certain indebtedness, including without limitation,
     bridge financing in the aggregate amount of $910,000 which bridge financing
     shall remain a second lien on the real property pending eventual settlement
     and disbursement of United States Small Business Administration 504 loans
     ("SBA Loans") in the aggregate amount of $910,000. Pursuant to a Mortgage
     Subordination Agreement of even date, the Bank agrees to subordinate the
     liens of its mortgages to the Mortgage to the extent the Bank's lien
     exceeds $910,000.

          d.   COLLATERAL MORTGAGE. A Collateral Mortgage given by JAMES R.
     BELL, a single person, to the Department, on the real property located at
     6490 Woodline Avenue, Philadelphia, Pennsylvania 19151, subject only to a
     lien in the maximum amount of $254,000 in favor of Main Line Federal Bank
     (the "Collateral Mortgage").

     Section 4.     PREPAYMENTS. Prepayments of the outstanding principal
amount of the Loan shall be as set forth in and governed by the terms of the
Note.

     Section 5.     REPRESENTATIONS AND WARRANTIES OF THE BORROWER. To induce
the Department to enter into this Agreement and to make the Loan, the Borrower
represents and warrants that:

          (a)  the Borrower is a corporation, duly organized and validly
     existing and in good standing under the laws of Commonwealth of
     Pennsylvania;

          (b)  the Borrower has all necessary corporate power and authority to
     purchase, own, mortgage encumber and sell Borrower's property and to carry
     on Borrower's business as now being conducted, and to carry out the
     transactions contemplated by this Agreement;

          (c)  the execution and delivery of this Agreement, consummation of the
     transactions herein contemplated and compliance with the terms and
     provisions hereof and of the Note and Security Agreement will not conflict
     with, or result in a breach of, any of the terms, conditions or provisions
     of the Articles of

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     Incorporation or By-Laws of the Borrower or of any agreement, indenture or
     other instrument to which the Borrower is a party or by which Borrower is
     bound or to which Borrower or Borrower's property is subject, or constitute
     a default thereunder, and will not result in the creation or imposition of
     any lien, charge or encumbrance of any nature whatsoever (except those
     created pursuant hereto) upon any of the property of the Borrower pursuant
     to the terms of any such agreement, indenture or other instrument;

          (d) the execution, delivery and performance of this Agreement, the
     performance of the transactions contemplated by the provisions hereof, and
     the execution, issuance and delivery of the Note and the Security Agreement
     in accordance with the provisions hereof have each been duly authorized by
     all necessary corporate action on the part of the Borrower;

          (e) this Agreement has been duly and validly executed and delivered by
     the Borrower and constitutes a valid and legally binding obligation of the
     Borrower, enforceable in accordance with the terms of this Agreement and
     the Note and Security Agreement, when executed and delivered in accordance
     with the terms thereof, will be valid and legally binding obligations of
     the Borrower, enforceable in accordance with the respective terms of each;

          (f) there is no material litigation or governmental proceeding pending
     or, to the knowledge of the Borrower or Borrower's officers, threatened
     against the Borrower other than that which has been previously disclosed to
     the Department in writing. If such litigation or proceeding exists,
     Borrower shall be set forth in an exhibit information regarding the amount
     of the claim, the forum in which the claim was filed, the date for the
     same, all of which shall be attached hereto and made a part hereof;

          (g) the Borrower has filed all required federal, state and local tax
     returns and has paid all taxes shown on such returns as such taxes have
     become due; and

          (h) no consent or approval to the execution and performance of this
     Agreement and the transactions contemplated hereby not already obtained is
     required to be obtained by the Borrower from any governmental body,
     authority, agency, court or other person or entity, public or private,
     other than the Department.

          All of the representations and warranties of the Borrower set forth
herein shall survive and continue until the Loan is paid in full and all of the
Borrower's obligations hereunder have been satisfied.

     Section 6. General Conditions of Lending. The obligation of the Department
to make the Loan hereunder is subject to the fulfillment of the following
conditions by the Borrower to the satisfaction of the Department:

          (a) concurrently with, or prior to, the disbursement of the Loan and
     dated the date of such disbursement, the Borrower shall have furnished to
     the Department in form and substance satisfactory to the Department's
     Counsel a favorable written opinion of Borrower's counsel, the provisions
     and representations of which are incorporated herein by reference thereto
     and made a part hereof;

          (b) there shall have been delivered to the Department a certificate
     executed by the Secretary of the Borrower, dated the date of the initial
     disbursement under the Loan, setting forth the corporate action taken by
     the Borrower in connection with the Loan and the authorization of the
     Borrower, or authorized representatives of the Borrower to execute, deliver
     and perform pursuant to the terms and conditions of this

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     Agreement, and the execution by the Borrower of the Note, the Security
     Agreement and all related documentation; such certificates shall include
     all excerpts from minutes of meetings of the Boards of Directors of the
     Borrower (and, where appropriate, from minutes of meetings of the
     shareholders of the Borrower), their By-Laws and Articles of Incorporation
     as the Department's counsel shall deem appropriate;

          (c)  all legal matters incident or related to the Loan shall be in
     form and substance satisfactory to counsel for the Department;

          (d)  the Note and the Security Agreement and related financing
     statements shall have been duly executed and delivered to the Department or
     delivered for recording, where appropriate;

          (e)  compliance with such other conditions as shall be required by the
     Department.

     Section 7.     Covenants of the Borrower. Until the Loan has been entirely
repaid and all of Borrower's obligations to the Department in connection
therewith and herewith have been satisfied, the Borrower hereby covenants that:

          (a)  the Borrower shall use the proceeds of the Loan solely for the
     purpose of defraying a portion of the Cost;

          (b)  the Borrower shall preserve Borrower's corporate existence,
     rights, privileges and franchises, and maintain Borrower's good standing as
     a corporation under the laws of Pennsylvania;

          (c)  the Borrower shall comply with all laws, regulations and orders
     of any court or governmental body having jurisdiction over the Project;

          (d)  the Borrower shall, upon request by the Department, provide
     financial information and other information concerning Borrower in form
     reasonably satisfactory to the Department, including at least the
     following:

               (i)  a certificate of an authorized officer of the Borrower
          setting forth the number of employees and their respective job
          classifications (skilled, semi-skilled and unskilled) employed during
          the previous year at the Project; and (ii) financial statements of the
          Borrower for its most recent fiscal year, including its balance sheet
          and income statement;

          (e)  the Borrower shall comply with all of the terms and conditions of
     this Agreement, the Note, and the Security Agreement;

          (f)  the Borrower shall not create any additional debt secured by the
     Equipment;

          (g)  the Borrower shall not discriminate against any employee or
     against any applicant for employment because of race, religion, color,
     national origin, sex or age (including, but not limited to, employment
     upgrading, demotion or transfer, recruitment or recruitment advertising,
     layoff or termination, rates of pay or other forms of compensation, and
     selection for training, including apprenticeship). The Borrower hereby
     accepts and agrees to be bound by the nondiscrimination provisions as set
     forth in Exhibit "B" attached hereto;

          (h)  the Borrower shall comply with the contractor integrity
     provisions as set froth in Exhibit "C" attached hereto;

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          (i)  the Borrower shall comply with the contractor responsibility
     provisions as set forth in Exhibit "D" attached hereto;

          (j)  the Borrower shall pay all the costs of filing and any other
     costs that may be incurred pursuant to the closing and administration of
     the Loan;

          (k)  the Borrower shall provide proper facilities at all times for
     inspection of the Equipment by the Department and its authorized
     representatives, and shall afford full and free access to the Project to
     such persons as may from time to time be designated by the Department;

          (l)  without the prior written consent of the Department, the Borrower
     shall not (i) change its name, merge, consolidate or divide the effect of
     which is materially to reduce tangible net assets or shareholders' equity
     of the Borrower, or (ii) sell, transfer, assign, lease or otherwise convey
     or dispose of all of any material part of its assets, except in the
     ordinary course of business;

          (m)  the Borrower shall comply with the Americans With Disabilities
     Act Provisions as set forth in Exhibit "E" attached hereto; and

          (n)  the Borrower shall be referred to as Contractor in Exhibits B, C,
     D and E.

     Section 8.     The following shall each constitute an event of default
hereunder (an "Event of Default"):

          (a)  Failure to pay any installment of principal or interest under the
     Note, when due, and such failure shall continue for a period of thirty (30)
     days;

          (b)  any representation or warranty made herein, in the application to
     the Department made by the Borrower in connection with the Loan, or in any
     certificate of financial or other statement furnished pursuant to the
     provisions hereof or as a part of such application, shall have been false
     or misleading in any material respect as of the time made or furnished;

          (c)  the Borrower shall (i) become insolvent, (ii) admit Borrower's
     inability to pay Borrower's debts as they come due, (iii) make an
     assignment to the benefit of Borrower's creditors, (iv) be adjudicated
     bankrupt or insolvent, (v) voluntarily initiate proceedings under any
     bankruptcy or reorganization law either now or hereafter in effect, (vi)
     become the subject of any involuntary proceedings under any bankruptcy or
     reorganization law either now or hereafter in effect that shall not have
     been discharged within sixty (60) days of the initiation thereof, or (vii)
     seek to take advantage of any moratorium law either now or hereafter in
     effect;

          (d)  a receiver, liquidator or trustee shall be appointed for the
     Borrower and shall not have been discharged within sixty (60) days;

          (e)  a default or an event of default under the Security Agreement,
     the Guaranty, the Mortgage, Collateral Mortgage or the Note, or any other
     instrument relating to the Loan shall occur or be continuing;

          (f)  the Borrower shall fail to perform any other covenant, condition
     or provision hereof and such failure shall not be remedied for a period of
     thirty (30) days after the giving of written notice thereof to the
     Borrower; or

          (g)  Borrower shall fail to create the number of employment
     opportunities or jobs specified in the Borrower's Application or Borrower
     shall otherwise fail to abide by the terms and obligations of the Loan

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     as set forth in the Loan Documents, the interest rate of the Loan shall, at
     the sole discretion of the Secretary, be increased to a fixed rate equal to
     two (2) percentage points greater than the current prime interest rate as
     defined in Section 5.10 (relating to "Penalty") of the MELF Statement of
     Policy, unless the penalty is waived by the Secretary because the failure
     of such compliance is due to circumstances beyond the control of the
     Borrower.

          Immediately and without further notice to the Borrower, upon the
occurrence of an Event of Default hereunder, the Department, or any subsequent
holder of the Note, may declare the Note and interest accrued thereon and all
liabilities of the Borrower thereunder to be immediately due and payable, and
the same shall thereupon become and be due and payable, without presentment,
demand, protest or notice of any kind to the Borrower, all of which are hereby
expressly and knowingly waived, and any funds remaining in the Escrow Account
shall be returned to the Department and applied towards repayment of the Loan.
In addition, upon the occurrence of an Event of Default hereunder other than the
non-payment of the Loan, the Department shall have the right to raise the rate
of interest on the Loan up to twelve and one-half percent (12-1/2%) per annum,
applied retroactively to the date of the first occurrence of the default until
such time as the default is cured.

     Section 9.     Miscellaneous.

          (a)  No delay or failure on the part of the Department in exercising
     any right, power or privilege hereunder shall affect such right, power or
     privilege; nor shall any single or partial exercise thereof or any
     abandonment, waiver, or discontinuance of steps to enforce such a right,
     power or privilege preclude any other or further exercise thereof, or the
     exercise of any other right, power or privilege. The rights and remedies of
     the Department hereunder are cumulative and concurrent and not exclusive of
     any rights or remedies which the Department might otherwise have. The
     Department shall have the right at all times to enforce the provisions of
     this Agreement, the Note, the Security Agreement, and all related
     documentation in strict accordance with the terms hereof and thereof,
     notwithstanding any conduct or custom on the part of the Department in
     refraining from so doing at any time or times. The failure of the
     Department at any time or times to enforce the Department's rights under
     such provisions, strictly in accordance with the same, shall not be
     construed as having created a custom in any way or manner contrary to
     specific provisions of this Agreement or any such documentation or as
     having in any way or manner modified or waived the same.

          (b)  Any permit, consent or approval of any kind or character on the
     part of the Department under this Agreement, and any waiver of any
     provision or condition of this Agreement, must be in writing and executed
     by the Department and shall be effective only to the extent specifically
     set forth in such writing.

          (c)  All covenants and agreements of the Borrower contained herein or
     made in writing in connection herewith shall survive and continue until the
     Loan is entirely paid and all of the Borrower's obligations hereunder have
     been entirely satisfied.

          (d)  This Agreement, the Commitment Letter dated          , the Note,
     and the Security Agreement and all other agreements delivered pursuant
     hereto shall be deemed to be contracts made under the laws of the
     Commonwealth of Pennsylvania and, for all purposes, shall be construed in
     accordance with the laws of such Commonwealth.

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     (e)  This Agreement may be executed in as many counterparts as may be
deemed necessary and convenient and each of which, when so executed, shall be
deemed an original, but all such counterparts shall constitute but one and the
same instrument.

     (f)  This Agreement, the Note, and the Security Agreement constitute the
entire agreement between the Department and the Borrower. Such instruments may
be modified only by a written instrument duly executed by the Department and
the Borrower.

     (g)  Any notices or consents required or permitted by this Agreement
shall be deemed sufficient if in writing and addressed to the Borrower or the
Department, as applicable, and shall be deemed to be delivered if delivered in
person or sent by certified or registered mail, postage prepaid, return receipt
requested, addressed to the Borrower or the Department, as applicable, at the
addresses set forth at the beginning of this Agreement. Notice shall be
effective on delivery if delivered in person or on the second business day
following mailing if mailed.

     (h)  The terms and provisions of this Agreement are severable. In the
event of the unenforceability or invalidity of any one or more of the terms,
covenants, conditions or provisions of this Agreement under federal, state or
other applicable law, such unenforceability or invalidity shall not render any
other term, covenant, condition or provision hereof unenforceable or invalid.

     (i)  This Agreement shall take effect as an instrument under seal.

     (j)  The Borrower, from time to time, shall execute such further
instruments as the Department may reasonably request to further confirm and
assure the interests and rights created or intended to be created in favor of
the Department hereunder or under the Security Agreement or the Note.

     (k)  This Agreement shall be binding upon and inure to the benefit of the
Borrower, the Department and their respective successors and assigns, except
that the Borrower may not assign or transfer its rights hereunder without the
prior written consent of the Department.

     (l)  The parties do not intend the benefits of this Agreement to inure to
any third party. No portion of the Department's commitment to make the Loan
will, at any time, be subject to attachment or levy by any creditor of the
Borrower or by any contractor, subcontractor, materialman or supplier or any
creditor of any such contractor, subcontractor, materialman or supplier or any
creditor of any such contractor, subcontractor, materialman or supplier.
Notwithstanding anything contained herein or in the Note, the Security
Agreement, or any other document executed in connection with this transaction,
or any conduct or course of conduct by any of the parties hereto, before or
after signing this Agreement or any of the other aforesaid documents, this
Agreement shall not be construed as creating any rights, claims, or causes of
action against the Department, in favor of any contractor, subcontractor,
supplier of labor or materials, or any of their respective creditors, or any
other person or entity other than the Borrower.

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

WITNESS:                                    COMMONWEALTH OF PENNSYLVANIA, acting
                                            by and through the DEPARTMENT OF
                                            COMMUNITY AND ECONOMIC
                                            DEVELOPMENT

/s/                                         By /s/
-----------------------------------            ---------------------------------
                                               Deputy Secretary of Community
                                                  and Economic Development

(OFFICIAL SEAL)

ATTEST:                                     RED BELL BREWING CO.

/s/ James R. Bell                           By /s/ James R. Bell
------------------------------------           ---------------------------------
Secretary                                      President

(CORPORATE SEAL)

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                                  EXHIBIT "A"

                                   EQUIPMENT
                                ---------------

          See Exhibit "A" of Security Agreement for list of Equipment

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                                  EXHIBIT "B"

                            NONDISCRIMINATION CLAUSE
                         ------------------------------

     During the term of this contract, the Borrower agree as follows:

     1.   the Borrower shall not discriminate against any employee, applicant
for employment, independent contractor or any other person because of race,
color, religious creed, ancestry, national origin, age or sex. The Borrower
shall take affirmative action to insure that applicants are employed, and that
employees or agents are treated during employment, without regard to their race,
color, religious creed, ancestry, national origin, age or sex. Such affirmative
action shall include, but is not limited to: employment, upgrading, demotion or
transfer, recruitment or recruitment advertising; layoff or termination; rates
of pay or other forms of compensation; and selection for training. The Borrower
shall post in conspicuous places, available to employees, agents, applicants for
employment and other persons, a notice to be provided by the contracting agency
setting forth the provisions of this nondiscrimination clause.

     2.   the Borrower shall in advertisements or requests for employment
placed by it or on its behalf, state that all qualified applicants will receive
consideration for employment without regard to race, color, religious creed,
ancestry, national origin, age, or sex.

     3.   the Borrower shall send each labor union or workers' representative
with which they have a collective bargaining agreement or other contract or
understanding, a notice advising said labor union on workers' representative of
their commitment to this nondiscrimination clause. Similar notice shall be sent
to every other source of recruitment regularly utilized by the Borrower.

     4.   it shall be no defense to a finding of noncompliance with this
nondiscrimination clause that the Borrower had delegated some of its employment
practices to any union, training program or other source of recruitment which
prevents it from meeting its obligations. However, if the evidence indicates
that the Borrower was not on notice of the third-party discrimination or made a
good faith effort to correct it, such factor shall be considered in mitigation
in determining appropriate sanctions.

     5.   where the practices of a union or of any training program or other
source of recruitment will result in the exclusion of minority group persons,
so that the Borrower will be unable to meet its obligations under this
nondiscrimination clause, the Borrower shall then employ and fill vacancies
through other nondiscriminatory employment procedures.

     6.   the Borrower shall comply with all state and federal laws prohibiting
discrimination in hiring or employment opportunities. In the event of the
Borrower's noncompliance with the nondiscrimination clause of this contract or
with any such laws, this contract may be terminated or suspended, in whole or in
part, and the Borrower may be declared temporarily ineligible for further
Commonwealth contracts, and other sanctions may be imposed and remedies invoked.

     7.   the Borrower shall furnish all necessary employment documents and
records to, and permit access to its books, records and accounts by, the
contracting agency and the Office of Administration, Bureau of Affirmative
Action, for purposes of investigation to ascertain compliance with the
provisions of this clause. If the Borrower does not possess documents or
records reflecting the necessary information requested, it shall furnish such
information on reporting forms supplied by the contracting agency or the Bureau
of Affirmative Action.

     8.   the Borrower shall actively recruit minority subcontractors or
subcontractors with substantial minority representation among its employees.

     9.   the Borrower shall include the provisions of this nondiscrimination
clause in every subcontract, so that such provisions will be binding upon each
subcontractor.

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     10.  the Borrower obligations under this clause are limited to the
Borrower's facilities within Pennsylvania or, where the contract is for
purchase of goods manufactured outside of Pennsylvania, the facilities at which
such goods are actually produced.

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                                  EXHIBIT "C"

                        CONTRACTOR INTEGRITY PROVISIONS

     1.   Definitions.

     a.   Confidential information means information that is not public
knowledge, or available to the public on request, disclosure of which would give
an unfair, unethical, or illegal advantage to another desiring to contract with
the Commonwealth.

     b.   Consent means written permission signed by a duly authorized officer
or employee of the Commonwealth, provided that where the material facts have
been disclosed, in writing, by prequalification, bid, proposal, or contractual
terms, the Commonwealth shall be deemed to have consented by virtue of execution
of this Agreement.

     c.   Commonwealth means the Commonwealth of Pennsylvania Acting by and
Through its Department of Community and Economic Development and any agencies
and instrumentalities of the Commonwealth of Pennsylvania for which the
Department of Community and Economic Development provides staff services
(including without limitation the Pennsylvania Industrial Development
Authority, Pennsylvania Economic Development Financing Authority, Pennsylvania
Energy Development Authority, and Pennsylvania Minority Business Development
Authority).

     d.   Contractor means the individual or entity that has entered into an
agreement with the Commonwealth, assumed the obligations of another to repay
moneys to the Commonwealth, or is the intended beneficiary of, and has
knowingly received benefits under, an agreement between the Commonwealth and a
financial intermediary or educational institution, including directors,
officers, partners, managers, key employees, and owners of more than a 5%
interest.

     e.   Financial Interest means:

          (1)  ownership of more than a 5% interest in any business; or

          (2)  holding a position as an officer, director, trustee, partner,
     employee, or the like, or holding any position of management.

     f.   Gratuity means any payment of more than nominal monetary value in the
form of cash, travel, entertainment, gifts, meals, lodging, loans,
subscriptions, advances, deposits of money, services, employment, or contracts
of any kind.

     2.   The Contractor shall take no action in violation of state or federal
laws, regulations, or other requirements that govern contracting with the
Commonwealth.

     3.   The Contractor shall not, in connection with this or any other
agreement with the Commonwealth, directly or indirectly offer, confer, or agree
to confer any pecuniary benefit on anyone as consideration for the decision,
opinion, recommendation, vote, other exercise of discretion, or violation of a
known legal duty by an officer or employee of the Commonwealth.

     4.   The Contractor shall not, in connection with this or any other
agreement with the Commonwealth, directly or indirectly offer, give, or agree
or promise to give to anyone any gratuity for the benefit of or at the
direction or request of any officer or employee of the Commonwealth.

     5.   Except with the consent of the Commonwealth, the Contractor shall not
have a financial interest in any other contractor, subcontractor, or supplier
providing services, labor, or material on this project.

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     6.   The Contractor, upon being informed that any violation of these
provisions has occurred or may occur, shall immediately notify the Commonwealth
in writing.

     7.   The Contractor, by execution of this Agreement and by the submission
of any bills or invoices for payment pursuant thereto, certifies and represents
that he has not violated any of these provisions.

     8.   The Contractor, upon the inquiry or request of the Inspector General
of the Commonwealth or any of that official's agents or representatives, shall
provide, or if appropriate, make promptly available for inspection or copying,
any information of any type or form relevant to the Contractor's compliance
with this Agreement (including without limitation these provisions relating to
Contractor integrity). Such information shall be retained by the Contractor for
a period of three years beyond the termination of the contract unless provided
by law.

     9.   For violation of any of the above provisions, the Commonwealth may
declare an event of default hereunder, subject to applicable notice and cure
provisions, and debar and suspend the Contractor from doing business with the
Commonwealth, including without limitation participation in its financial
assistance programs. These rights and remedies are cumulative, and the use or
nonuse of any one shall not preclude the use of all or any other. These rights
and remedies are in addition to those the Commonwealth may have under law,
statute, regulation, or otherwise.

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                                  EXHIBIT "D"

                      CONTRACTOR RESPONSIBILITY PROVISIONS

       1.     The Contractor certifies that it is not currently under suspension
or debarment by the Commonwealth, any other state, or the federal government,
and if the Contractor cannot so certify, then it agrees to submit along with the
bid/proposal a written explanation of why such certification cannot be made.

       2.     If the Contractor enters into any subcontracts or employs under
this contract any subcontractors/individuals who are currently suspended or
debarred by the Commonwealth or the federal government or who become suspended
or debarred by the Commonwealth or federal government during the term of this
contract or any extensions or renewals thereof, the Commonwealth shall have the
right to require the Contractor to terminate such subcontracts or employment.

       3.     The Contractor agrees to reimburse the Commonwealth for the
reasonable costs of investigation incurred by the Office of Inspector General
for investigations of the Contractor's compliance with terms of this or any
other agreement between the Contractor and the Commonwealth which result in the
suspension or debarment of the Contractor. Such costs shall include, but not be
limited to, salaries of investigators, including overtime; travel and lodging
expenses; and expert witness and documentary fees. The Contractor shall not be
responsible for investigative costs for investigations which do not result in
the Contractor's suspension or debarment.

       4.     The Contractor may obtain the current list of suspended and
debarred contractors by contacting the:

                            Department of General Services
                            Office of Chief Counsel
                            603 North Office Building
                            Harrisburg, PA 17125
                            Telephone No. (717)783-6472
                            Fax No. (717)787-9138

                                       14
<PAGE>   15
                                  EXHIBIT "E"

                   AMERICANS WITH DISABILITIES ACT PROVISIONS

              During the term of this contract, the Contractor agrees as
follows:

       1.     Pursuant to federal regulations promulgated under the authority of
The Americans With Disabilities Act, 28 C.F.R. Section 35.101 et seq., the
Contractor understands and agrees that no individual with a disability shall, on
the basis of the disability, be excluded from participation in this contract or
from activities provided for under this contract. As a condition of accepting
and executing this contract, the Contractor agrees to comply with the "General
Prohibitions Against Discrimination," 28 C.F.R. Section 35.130, and all other
regulations promulgated under Title II of The Americans With Disabilities Act
which are applicable to the benefits, services, programs, and activities
provided by the Commonwealth of Pennsylvania through contracts with outside
contractors.

       2.     The Contractor shall be responsible for and agrees to indemnify
and hold harmless the Commonwealth of Pennsylvania from all losses, damages,
expenses, claims, demands, suits, and actions brought by any party against the
Commonwealth of Pennsylvania as a result of the Contractor's failure to comply
with the provisions of paragraph 1 above.

       3.     "Contractor" means the individual or entity that has entered into
this Agreement with the Commonwealth.

                                       15<PAGE>   1
                                                                    Exhibit 4.11

                           INSTALLMENT SALE AGREEMENT

     AGREEMENT made this 29th day of January 1998, by and between PIDC FINANCING
CORPORATION, a Pennsylvania Non-Profit Corporation, (hereinafter called
"Seller") and RED BELL BREWING CO., a Pennsylvania Corporation, (hereinafter
called "Buyer"):

                                  WITNESSETH:

     1. Sale and Premises  Seller hereby agrees to sell to Buyer, who hereby
agrees to purchase certain property located at 3100 Jefferson Street,
Philadelphia, Pennsylvania, and more fully described in Exhibit "A" attached
hereto and hereby made a part hereof, together with the buildings and other
improvements erected thereon, and together with all improvements, easements,
tenements, appurtenances, hereditaments, fixtures, furnishings, equipment,
rights and privileges contained in, belonging to or in any way pertaining or
beneficial to the said premises (all of which shall hereinafter be called the
"Premises"), whether or not attached or to be attached to the land, buildings or
other improvements and whether or not described or referred to in Exhibit "A",
and with all faults.

     2. Nature and Cost of Project  Seller has previously acquired on behalf of
the Buyer an existing 260,000 square foot industrial building for the sum of
Five Hundred Thousand Dollars and No Cents ($500,000.00) and Buyer has
constructed improvements at a cost of approximately Eight Hundred Forty Thousand
Dollars and No Cents ($840,000.00) and has incurred miscellaneous fees and costs
in the amount of approximately Seventy Eight Thousand Dollars and No Cents
($78,000.00). Seller has obtained a commitment from PENNSYLVANIA INDUSTRIAL
DEVELOPMENT
<PAGE>   2
                                     - 2 -

AUTHORITY ("PIDA"), pursuant to which PIDA has agreed to advance to Seller the
sum of Three Hundred Ninety Two Thousand Three Hundred Sixty Two Dollars and No
Cents ($392,362.00) which loan will be secured by a First Mortgage on the
Premises. Seller shall execute on the date hereof a First Mortgage and Note in
favor of PIDA.

     3. Loan  Seller will execute and deliver to PIDA on the date hereof
Seller's Mortgage Note ("Note") in the principal sum of $392,362.00 secured by a
First Mortgage ("Mortgage") upon the Premises. The provisions of the Note and
the Mortgage are hereby incorporated herein by reference. Buyer agrees that its
interest in the Premises and its rights hereunder will be subordinate to the
interests and rights of PIDA as First Mortgagee, and acknowledges that PIDA has
agreed to advance the sum represented by the Note and Mortgage in reliance upon
the assignment to PIDA of Seller's rights under this Agreement as collateral
security for payment of the Note and Mortgage.

     4. Purchase Price and Other Payments by Buyer  Buyer will pay to Seller, at
the times and in the manner hereinafter set forth, as purchase price for the
Premises and interest on the unpaid portions thereof as follows:

          a. Three Hundred Ninety Two Thousand Three Hundred Sixty Two Dollars
     and No Cents ($392,362.00) together with interest on the unpaid portions
     thereof shall be repaid in one hundred eighty (180) equal monthly
     installments including all accrued interest at the rate of 3.75% per annum
     as charged under the Note from Seller to PIDA, and each such installment
     shall be paid to Seller ten (10) days prior to the date Seller is to pay
     PIDA and the amount
<PAGE>   3
                                     - 3 -

     of each installment shall be equal to the amount required to be paid by
     Seller to PIDA, and each of which installments shall first be applied to
     accrued interest at the aforesaid rate and the balance on account of
     purchase price. Notwithstanding the foregoing, Buyer shall pay the
     foregoing installments directly to PIDA, if requested by PIDA.

          b. In addition to the amounts specified above, Buyer shall pay to the
     Philadelphia Industrial Development Corporation, agent for Seller, for
     services rendered a monthly service charge in the amount of Twenty Eight
     Dollars and Fifty Three Cents ($28.53) commencing upon the payment of
     purchase price and interest under the Note from Seller to PIDA, and
     continuing throughout the term of this Agreement. In addition, in the event
     Buyer prepays all or part of the purchase price under Paragraph 4(a)
     hereof, Buyer shall pay to the Philadelphia Industrial Development
     Corporation, agent for Seller, at the time of such prepayment, an amount
     equal to 1/2 of 1% of the total amount prepaid.

          c. The installment payments of the purchase price shall be net to
     Seller and all costs and expenses payable in connection with the ownership,
     maintenance and occupancy of the Premises shall be paid or caused to be
     paid by Buyer. It is the intention of the parties that notwithstanding any
     other provision of this Agreement, Seller shall timely receive from Buyer
     funds equal to those funds necessary for Seller to pay PIDA all of
     Seller's obligations under the aforesaid Note and Mortgage, and Seller
     agrees that, promptly after Seller receives any such amount, to
<PAGE>   4
                                     - 4 -

     pay such amount to PIDA on account of the aforesaid Note and Mortgage to be
     applied in the manner prescribed by this Agreement.

          d. Buyer shall have the privilege of prepaying the purchase price at
     the times and subject to the same conditions and premiums as is required
     for prepayment of the respective Mortgages to which such prepayments will
     be applied subject to the provisions of Paragraph 4b hereof.

     5. Settlement  Settlement for the Premises shall take place within thirty
(30) days after the date of final payment by Buyer of all amounts to be paid by
Buyer under the terms of this Agreement, provided that Buyer is not in default
hereunder. In the event Buyer refuses to take and record title to the Premises
within the aforesaid thirty (30) day period, Buyer shall pay to Seller, or its
agent, a service charge of One Hundred Dollars and No Cents ($100.00) per month
until such time as Buyer accepts and records title to the Premises. As a
condition of settlement, Buyer shall furnish to Seller reasonable security to
indemnify Seller against any claims which are not effectively covered by
liability insurance arising out of Seller's ownership of the Premises. At
settlement, Seller will convey to Buyer such title to the Premises as Seller
presently has, excepting however, any part of the Premises taken by eminent
domain during the term of this Agreement or any encumbrance or objection created
or permitted by Buyer or Seller with Buyer's consent.

     6. Possession  Insofar as Seller is concerned, Buyer shall have possession
of the Premises upon execution of this Agreement. Buyer

<PAGE>   5
                                      - 5-

agrees that Seller shall in no way and at no time be responsible for the
condition of the Premises.

     7.  Adjustments  Buyer agrees to pay all charges and costs (excepting only
Seller's counsel fees) which are required and whenever required in connection
with the conveyance of the Premises from Seller to Buyer. Buyer agrees that
Seller shall not be responsible for any inaccuracies in any settlement sheet in
connection with the foregoing.

     8.  Zoning  Seller makes no representations as to the zoning of the
Premises.

     9.  Municipal or State Improvements  Buyer agrees to pay for any
Improvements to the Premises done or ordered to be done by any municipal or
state authorities and to comply at its own cost and expense with all notices
received from public authorities from and after the date hereof.

    10.  Taxes and Assessments  Buyer agrees to pay or to cause to be paid, as
an addition to the purchase price, before they would become delinquent or as
required by the Mortgage, all real estate taxes, including City and School
Taxes, assessments, water rents, sewer rents and charges and other governmental
charges, general and special, which are assessed or imposed upon or chargeable
against the Premises at any time from after the date hereof and thereafter
throughout the term hereof. Buyer agrees that it will not use, as a basis for
contesting or adjudicating the taxes and assessments upon the Premises, the
fact that legal title is held by a body with governmental or quasi-governmental
status. The amount so paid by Buyer shall be paid directly to the City of
Philadelphia or to Seller, who shall turn said
<PAGE>   6
                                      -6-

money over to the City of Philadelphia as Seller shall elect in writing.

     11.  Property Insurance  Buyer will keep the entire Premises insured
against loss or damage by fire, with extended coverage and against loss from
such other hazards as may be required by Seller or PIDA. Buyer shall take out
and maintain such boiler insurance and business interruption insurance as may be
required by Seller or PIDA. All such policies and any additional fire insurance
carried by Buyer on the Premises will contain the standard mortgagee clause and
the originals thereof will be deposited with PIDA with a copy to Seller.

     12.  Liability Insurance  Buyer shall provide comprehensive general
liability insurance, covering at least the hazards of "Premises Operations",
"Elevators" (if applicable) and "Independent Contractors", in which Seller
shall be named as an insured with minimum limits of liability with respect to
bodily injury of Five Hundred Thousand Dollars and No Cents ($500,000.00) for
each person and One Million Dollars and No Cents ($100,000,000.00) for each
occurrence and One Hundred Thousand Dollars and No Cents ($100,000.00) with
respect to property damage for each occurrence.

          In addition, Buyer shall provide whenever construction or major
alteration to the Premises is being performed, policies of contingent public
liability insurance protecting Seller and Buyer, in addition to providing
certificates of public liability insurance and workmen's compensation
insurance, insuring the contractor engaged by Buyer. The above mentioned
contingent liability policy shall be in the form of a comprehensive general
liability policy, if obtainable, and if
<PAGE>   7
                                     - 7 -

not obtainable, shall be a public liability policy covering at least the hazard
of all phases of the construction being performed by Buyer or its contractors,
the hazard arising from the ownership and possession of the Premises, and the
hazard of any operations other than construction being carried on by Buyer on
any part of the Premises during the construction period.

     13. General Insurance Provisions

          a. All insurance as to form, amount and insurance company shall be
     satisfactory to Seller and PIDA.

          b. All policies will require that no less than ten (10) days written
     notice of cancellation or material change will be given to Seller and PIDA.

          c. All cost of insurance shall be borne by Buyer.

          d. Renewal policies marked "premium paid" by the agent or insuring
     company shall be deposited at least twenty (20) days before the expiration
     of the prior existing policies.

          e. All insurance is required commencing from the date hereof and is to
     be continued throughout the term of this Agreement, and Buyer will provide
     evidence thereof satisfactory to Seller and PIDA.

          f. All insurance shall name Seller and Buyer as insureds and shall
     cover the entire Premises, including adjacent sidewalks, walkways and
     cartways.
<PAGE>   8
                                     - 8 -

     14. Compliance with Laws   Buyer agrees to comply with all laws,
ordinances and regulations affecting the Premises from and after the date
hereof.

     15. Indemnification of Seller and Waiver of Claims   Buyer covenants and
agrees to protect, exonerate, defend, indemnify and save Seller harmless from
and against any and all costs or liabilities which on or after the date hereof
may arise out of Seller's ownership of the Premises, and from and against any
and all loss, damage, cost, expense or liability based upon personal injury,
death, loss or damage to property suffered or incurred by any person, firm or
corporation (including the parties hereto) and arising out of or attributable
to the presence, condition, use, operation or maintenance of the Premises,
except when due to the willful misconduct of Seller. Seller shall give prompt
written notice to Buyer of any claim asserted against Seller (within a
reasonable time after such claim becomes known to Seller), provided such claim
appears likely to, if sustained, result in liability on Buyer hereunder.
However, Seller's failure to give such notice shall not relieve Buyer from its
obligation to protect, exonerate, defend, indemnify and save Seller harmless as
aforesaid, except to the extent that failure to give such notice results in
actual loss or damage to Buyer. Nevertheless, if such claim had been otherwise
made known to, or reasonably should have been known by Buyer, then Seller shall
be under no duty to advise Buyer of said claim. In any action or proceeding
brought against Seller by reason of any such claim, Buyer, upon notice from
Seller covenants and agrees to resist or defend such action or proceeding by
counsel satisfactory to Seller.
<PAGE>   9
                                     - 9 -

However, Seller agrees to cooperate and assist in the defense of any such
action or proceeding, if reasonably requested to do so by Buyer, at Buyer's
expense. Buyer will not make any claim against Seller, nor shall Seller be
liable for any damage or injury to any property of Buyer or any other person
with respect to the Premises or to any part thereof due to any other person
with respect to the Premises or to any part thereof due to any cause
whatsoever, nor will Buyer resist Seller's claim to indemnification on the
ground that the right to such claim is not set forth herein with sufficient
particularity.

     16. Improvements, Maintenance, Repairs and Alterations   Buyer agrees to
take good care of the Premises at its own expense from and after the date
hereof, to put and keep the Premises in good repair (structural or otherwise),
order and condition and pay all other costs and expenses arising out of the
occupancy of the Premises, including, but not limited, to all public utility
charges and utility connection charges.

     Buyer will not undertake or permit any demolition or structural
alterations, or material additions or Improvements to the Premises without the
written consent of Seller. All alterations and additions to the Premises
undertaken by Buyer shall become part of the Premises.

     17. Consent   Whenever the consent of the Seller is given pursuant to the
terms of this Agreement, such consent shall create no liability or
responsibility upon Seller, and whenever required, shall not be unreasonably
withheld.
<PAGE>   10
                                     - 10 -

     Whenever this Agreement has been assigned by Seller, Buyer shall also
obtain the consent of the assignee in all cases where it is required to obtain
the consent of Seller. No Assignment of this Agreement shall be made by Seller
without the approval of Buyer excepting any assignment to PIDA, its successors
or assigns.

     18. Damage and Condemnation   Damage to or destruction of all or any
portion of the buildings or improvements on the Premises by fire or any other
cause or a taking of all or a portion of the Premises by condemnation shall not
terminate this Agreement or cause any abatement or reduction in the payments to
be made by Buyer or otherwise affect the respective obligations of Seller and
Buyer. The purchase price of the Premises will be reduced by the amount of any
reduction in Seller's indebtedness to PIDA under the Notes brought about by the
application to such indebtedness of insurance proceeds or amounts paid as a
result of condemnation. All proceeds from insurance or condemnation not
required to be applied to the mortgage indebtedness shall be paid to and be the
property of Buyer.

     19. Use and Lease   Buyer covenants and agrees that the entire Premises
shall be used only for the purpose of industrial activities or activities
accessory thereto, and only for such purpose as is lawful under an Act known as
the Pennsylvania Industrial Development Authority Act, as amended. Buyer shall
not lease or sublease any part of the Premises without the prior written
consent of Seller and PIDA, and any lease or sublease without such consent
shall be void and of no effect.

     20. Assignment of Leases   Buyer hereby assigns to Seller, as security for
Buyer's obligations hereunder, any present or future
<PAGE>   11
                                      -11-

leases entered into by Buyer for any part of the Premises. Seller thereby in no
way assumes or will assume any of the obligations as lessor under any leases
and such assignment shall not release the Buyer from Buyer's obligations as
lessor, under said leases.

     21. Quiet Enjoyment  Seller covenants that Buyer, on performing the
covenants and conditions on its part to be performed, shall and may peaceably
and quietly have, hold and enjoy the Premises as purchaser in possession, free
from molestation, eviction or disturbance by Seller or by any other person or
persons lawfully claiming the same, by, through or under the Seller.

     22. Assignment by Buyer  Any assignment of this Agreement or sale or lease
of the Premises by Buyer without the prior written consent of the Seller and
PIDA shall be void and of no effect.

     23. Inspection and Signs  Buyer will at all times provide Seller and any
assignee with full and free access to the Premises and all plans, drawings and
records thereof for reasonable inspections. At any time when major construction
is taking place in connection with the Premises, or at any time during the
first six (6) months from the date hereof, Seller shall have the right to place
a sign or signs on the Premises, at locations which will not interfere with the
operation of any business at the Premises, and which sign or signs will
advertise Seller's participation in this transaction.

     24. Event of Default by Buyer:

         a.  During the term of this Agreement, the following shall constitute
     Events of Default by Buyer:
<PAGE>   12
                                      -12-

     1. Failure by Buyer to make payments under this Agreement when the same is
due, or failure of Buyer to comply with any other obligations, covenants or
conditions imposed upon it by this Agreement at the time set forth herein
subject to the same applicable grace periods as set forth in the Note and
Mortgage.

     2. If Buyer, shall make an assignment for the benefit of creditors or is
adjudicated bankrupt or shall file a bill of equity or otherwise initiate
proceedings for the appointment of a receiver of its assets, or shall file a
petition or otherwise initiate any proceedings in any court for a composition
with its creditors for relief in any manner from the payment of its debts when
due under any state or federal law; or any proceedings in bankruptcy or for the
appointment of a receiver shall be instituted by any creditor of Buyer under
any state or federal law and is not dismissed within sixty (60) days.

     3. An Event of Default under the Mortgage, Note, or any collateral pledged
to secure any of the above.

25.  Seller's Remedies  In the event of a default by Buyer:
     a. Seller may perform for the account of Buyer any covenant or obligation
in the performance of which Buyer is in default, in which event, Buyer shall
immediately pay to Seller any amount paid by Seller together with reasonable
counsel fees as well as with interest at the rate of ten percent (10%) per
annum from the date of payment by Seller.
<PAGE>   13
                                      -13-

     b.   Seller may declare all sums which Buyer is obligated to pay to Seller
pursuant to this Agreement, together with interest accrued thereon immediately
due and payable.

     c.   Seller may terminate this Agreement and resell the Premises at a
private or public sale and Seller will apply the monies collected under such
resale, in such order of priority as Seller, in Seller's sole discretion may
elect and Buyer shall remain liable for any deficiency after the application of
the proceeds. If such proceeds are in excess of the amount required to satisfy
the total due from Buyer to Seller under the terms of this Agreement then such
excess shall be paid to Buyer.

     d.   Buyer hereby irrevocably authorizes and empowers any attorney of any
court of record of Pennsylvania or elsewhere to appear as attorney for Buyer as
well as for all persons claiming by, through or under buyer, and to sign an
Agreement for entering in any competent court an amicable action in ejectment
against Buyer and all persons claiming by, through or under Buyer and therein
confess judgment for recovery by Seller of possession of the Premises for which
a true copy of this Agreement shall be his sufficient warrant, whereupon, if
Seller so desires a writ of possession may issue forthwith without any prior
writ or proceedings whatsoever, and provided that if for any reason after such
action shall have been commenced the same shall be determined and the
possession of the Premises remain in or be restored by Buyer, Seller shall have
the right on account of any subsequent Event of Default to bring one or more
further amicable action or
<PAGE>   14
                                      -14-

actions in ejectment as hereinbefore set forth to recover possession of the
Premises and confess judgment for the recovery of possession of the Premises as
hereinabove provided.

     e.   After ten (10) days written notice, Seller may take possession of the
Premises by the summary procedure set forth in sub-section (d) above or
otherwise without terminating this Agreement and Seller may collect rentals and
enforce all other remedies of Buyer under any existing leases for any part of
the Premises, but without being deemed to have affirmed such leases, and
Seller may enter into new leases on such terms as Seller may deem fit for any
portion or portions of the Premises, and such leases shall not be terminated or
affected if Buyer cures the Event of Default. Rentals under said leases may be
applied by Seller to any repair or maintenance of the Premises as Seller may
reasonably deem useful, and the remaining balance shall be applied to Buyer's
obligations hereunder in order of priority to be determined by Seller. Any
balance of rentals remaining thereafter shall be promptly paid over to Buyer
by Seller.

     f.   Buyer hereby irrevocably authorizes and empowers any attorney of any
court of record of Pennsylvania or elsewhere to appear for and confess judgment
against Buyer for all amounts for which Buyer may be or become liable to Seller
or its assignee under this Agreement, as evidenced by an affidavit signed by an
officer of Seller or of assignee setting forth the amounts then due plus five
percent (5%) thereof, as an attorney's fee, with costs of suit and release of
errors. Such authority shall not be
<PAGE>   15
                                     - 15 -

exhausted by any one exercise thereof but judgment may be confessed as
aforesaid from time to time as often as there is a default hereunder.

     g.  In any amicable action of ejectment brought hereon or any suit or
amicable action brought for the purchase price or other sums due hereunder,
Seller shall first cause to be filed in such suit, action or actions, an
affidavit made by it or someone acting for it, setting forth the facts
necessary to authorize the entry of judgment, of which facts such affidavit
shall be prima facie evidence and if a true copy of this Agreement (and of the
truth of said copy such affidavit shall be prima facie evidence) shall be filed
in such suit, action or actions, it shall not be necessary to file the original
as a warrant of attorney, any rule of court, custom or practice to the contrary
notwithstanding.

     h.  The Buyer hereby waives and releases all errors, defects and
imperfections whatsoever of a procedural nature in the entering of any judgment
or any process or proceedings arising out of this Agreement. Buyer also waives
the benefit of any laws which now or hereafter might authorize the stay of any
execution to be issued or any judgment recovered hereunder or the exemption of
any property from levy or sale thereunder.

     i.  All interest of Buyer in the premiums or dividends upon any insurance
provided for herein, as well as any rebates on taxes or assessments imposed on
the Premises are hereby assigned to Seller.

<PAGE>   16
                                     - 16 -

26.  Cumulative Rights  No right or remedy herein conferred upon or reserved to
Seller is intended to be exclusive of any other right or remedy herein or by
law provided, but each shall be cumulative and in addition to every other right
or remedy herein given or now or hereafter existing at law or in equity or by
statute, and may be pursued singly, successively or together at the sole
discretion of Seller and may be exercised as often as the occasion therefor
shall occur.

27.  Effect of Waiver or Forbearance  No waiver by Seller of any breach by
Buyer of any of its obligations, agreements or covenants hereunder shall be a
waiver of any subsequent breach or of any obligation, agreement or covenant,
nor shall any forbearance by Seller to seek a remedy for any breach by Buyer be
a waiver by Seller of its rights and remedies with respect to that or any other
breach.

28.  Default by Seller and Buyer's Remedies  Notwithstanding any provision or
obligation to the contrary hereinbefore or hereinafter set forth, the liability
of Seller, except as to PIDA, shall be limited to its interest in the
Premises, the improvements thereon, the rents, issues and profits therefrom,
and the lien of any judgment shall be restricted thereto.

29.  Notices  All notices provided for in this Agreement shall be in writing.
Notices to Seller shall be sent by registered or certified mail. Subject to
change by notice from the party to be charged with such notice, notices to
Seller shall be addressed as follows:

<PAGE>   17
                                     - 17 -

     PIDC FINANCING CORPORATION
     c/o Philadelphia Industrial Development Corporation
     2600 Centre Square West
     1500 Market Street
     Philadelphia, Pennsylvania 19102

and notices to Buyer shall be addressed as follows:

     RED BELL BREWING CO.
     3100 Jefferson Street
     Philadelphia, Pennsylvania

     30.  Survival of Covenants, Conditions and Representations  Notwithstanding
any presumption to the contrary, all covenants, conditions and representations
of Buyer contained in this Agreement which, by nature, impliedly or expressly
involve performance in any particular manner after the delivery of the Seller's
deed or which cannot be ascertained to have been performed until after the said
delivery shall survive said delivery.

     31.  Anti-Pollution Laws  Buyer covenants and agrees that while the PIDA
Mortgage is outstanding and unpaid, Buyer will comply with all governmental
anti-pollution regulations and standards applicable to the Premises. Buyer
further covenants and agrees that it will provide in all leases of the Premises
or any part thereof that the lessee covenants and agrees to assume Buyer's
obligations under all covenants contained in this paragraph.

     32.  Nondiscrimination  During the term of this contract, Seller/Buyer
agree as follows:

          a.   Seller/Buyer shall not discriminate against any employee,
     applicant for employment, independent Seller/Buyer or any other person
     because of race, color, religious creed, ancestry, national
<PAGE>   18
                                     - 18 -

     origin, age or sex. Seller/Buyer shall take affirmative action to insure
     that applicants are employed, and that employees or agents are treated
     during employment, without regard to their race, color, religious creed,
     handicap, ancestry, national origin, age or sex. Such affirmative action
     shall include, but is not limited to: employment, upgrading, demotion or
     transfer, recruitment or recruitment advertising; layoff or termination;
     rates of pay or other forms of compensation and selection for training.
     Seller/Buyer shall post in conspicuous places, available to employees,
     agents, applicants for employment and other persons, a notice to be
     provided by the contracting agency setting forth the provisions of this
     nondiscrimination clause.

          b.   Seller/Buyer shall in advertisements or requests for employment
     placed by it or on its behalf, state that all qualified applicants will
     receive consideration for employment without regard to race, color,
     religious creed, handicap, ancestry, national origin, age or sex.

          c.   Seller/Buyer shall send each labor union or workers
     representative with which it has a collective bargaining agreement or other
     contract or understanding, a notice advising said labor union or workers
     representative of its commitment to this nondiscrimination clause. Similar
     notice shall be sent to every other source of recruitment regularly
     utilized by Seller/Buyer.

          d.   It shall be no defense to a finding of noncompliance with this
     nondiscrimination clause that Seller/Buyer had delegated some of its
     employment practices to any union, training program or
<PAGE>   19
                                      -19-

     other source of recruitment which prevents it from meeting its obligations.
     However, if the evidence indicates that the Seller/Buyer was not on notice
     of the third-party discrimination or made a good faith effort to correct
     it, such factor shall be considered in mitigation in determining
     appropriate sanctions.

          e.   Where the practices of a union or of any training program or
     other source of recruitment will result in the exclusion of minority group
     persons, so that Seller/Buyer will be unable to meet its obligations under
     this nondiscrimination clause, Seller/Buyer shall then employ and fill
     vacancies through other nondiscriminatory employment procedures.

          f.   Seller/Buyer shall comply with all state and federal laws
     prohibiting discrimination in hiring or employment opportunities. In the
     event of Seller/Buyer's noncompliance with the nondiscrimination clause of
     this contract or with any such laws, this contract may be terminated or
     suspended, in whole or in part, and Seller/Buyer may be declared
     temporarily ineligible for further Commonwealth contracts and other
     sanctions may be imposed and remedies invoked.

          g.   Seller/Buyer shall furnish all necessary employment documents and
     records to, and permit access to its books, records and accounts by the
     contracting agency for purposes of investigation to ascertain compliance
     with the provisions of this clause. If Seller/Buyer does not possess
     documents or records reflecting the necessary information requested, it
     shall furnish

<PAGE>   20
                                      -20-

     such information on reporting forms supplied by the contracting agency.

          h.   Seller/Buyer shall actively recruit minority subcontractors and
     women subcontractors or subcontractors with substantial minority
     representation among their employees.

          i.   Seller/Buyer shall include the provisions of this
     nondiscrimination clause in every subcontract, so that such provisions will
     be binding upon each subcontractor.

          j.   Seller/Buyer obligations under this clause are limited to the
     Seller/Buyer's facilities within Pennsylvania or, where the contract is for
     purchase of goods manufactured outside of Pennsylvania, the facilities at
     which such goods are actually produced.

     33.  Seller/Buyer Integrity

          a.   Definitions.
          1.   Confidential Information means information that is not public
knowledge, or available to the public on request, disclosure of which would
give an unfair, unethical, or illegal advantage to another desiring to contract
with the Commonwealth.

          2.   Consent means written permission signed by a duly authorized
officer or employee of the Commonwealth, provided that where the material facts
have been disclosed, in writing, by prequalification, bid, proposal, or
contractual terms, the Commonwealth shall be deemed to have consented by virtue
of execution of this Agreement.

<PAGE>   21
                                    -  21 -

     3. Seller/Buyer means the individual or entity that has entered into this
Agreement with the Commonwealth, including directors, officers, partners,
managers, key employees and owners of more than a 5% interest.

     4. Financial Interest means:

        (1) ownership of more than a 5% interest in any business; or

        (2) holding a position as an officer, director, trustee, partner,
employee or the like, or holding any position of management.

     5. Gratuity means any payment of more than nominal monetary value in the
form of cash, travel, entertainment, gifts, meals, lodging, loans,
subscriptions, advances, deposits of money, services, employment or contracts of
any kind.

        a. The Seller/Buyer shall maintain the highest standards of integrity in
the performance of this Agreement and shall take no action in violation of state
or federal laws, regulations, or other requirements that govern contracting with
the Commonwealth.

        b. The Seller/Buyer shall not disclose to others any confidential
information gained by virtue of this Agreement.

        c. The Seller/Buyer shall not, in connection with this or any other
agreement with the Commonwealth, directly or indirectly offer, confer, or agree
to confer any pecuniary benefit on anyone as consideration for the decision,
opinion, recommendation, vote, other exercise of discretion, or violation of a
known legal duty by any officer or employee of the Commonwealth.
<PAGE>   22
                                    -  22 -

        d. The Seller/Buyer shall not, in connection with this or any other
agreement with the Commonwealth, directly or indirectly offer, give, or agree or
promise to give to anyone any gratuity for the benefit of or at the direction or
request of any  officer or employee of the Commonwealth.

        e. Except with the consent of the Commonwealth, neither the Seller/Buyer
nor anyone in privity with him shall accept or agree to accept from, or give or
agree to give to, any person, any gratuity from any person in connection with
the performance of work under this Agreement except as provided therein.

        f. Except with the consent of the Commonwealth, the Seller/Buyer shall
not have a financial interest in any other Seller/Buyer, subcontractor, or
supplier providing services, labor, or material on this project.

        g. The Seller/Buyer, upon being informed that any violation of these
provisions has occurred or may occur, shall immediately notify the Commonwealth
in writing.

        h. The Seller/Buyer, by execution of this Agreement and by the
submission of any bills or invoices for payment pursuant thereto, certifies and
represents that he has not violated any of these provisions.

        i. The Seller/Buyer, upon the inquiry or request of the Inspector
General of the Commonwealth or any of that official's agents or representatives,
shall provide, or if appropriate, make promptly available for inspection or
copying, any information of any type or form deemed relevant by the Inspector
General to the Seller/Buyer's
<PAGE>   23
                                     - 23 -

integrity or responsibility, as those terms are defined by the Commonwealth's
statutes, regulations, or management directives. Such information may include,
but shall not be limited to, the Seller/Buyer's business or financial records,
documents or files of any type or form which refer to or concern this
agreement. Such information shall be retained by the Seller/Buyer for a period
of three years beyond the termination of the contract unless provided by law.

          j.   For violation of any of the above provisions, the Commonwealth
may terminate this and any other agreement with the Seller/Buyer, claim
liquidated damages in an amount equal to the value of anything received in
breach of these provisions, claim damages for all expenses incurred in
obtaining another Seller/Buyer to complete performance hereunder, and debar and
suspend the Seller/Buyer from doing business with the Commonwealth. These rights
and remedies are cumulative, and the use or nonuse of any one shall not preclude
the use of all or any other. These rights and remedies are in addition to those
the Commonwealth may have under law, statute, regulation or otherwise.

     34.  Seller/Buyer Responsibility

          a.   Seller/Buyer certifies that it is not currently under suspension
or debarment by the Commonwealth, any other state, or the federal government.

          b.   If Seller/Buyer enters into any subcontracts under this contract
with subcontractors who are currently suspended  or debarred by the Commonwealth
or federal government or who become suspended or debarred by the Commonwealth or
federal government during the term of

<PAGE>   24
                                     - 24 -

this contract or any extensions or renewals thereof, the Commonwealth shall
have the right to require the Seller/Buyer to terminate such subcontracts.

          c.   The Seller/Buyer agrees that it shall be responsible for
reimbursing the Commonwealth for all necessary and reasonable costs and expenses
incurred by the Office of the Inspector General relating to an investigation of
the Seller/Buyer's compliance with the terms of this or any other agreement
between the Seller/Buyer and the Commonwealth which results in the suspension
or debarment of the Seller/Buyer.

     35.  Americans with Disabilities Act

          During the term of this contract, the Seller/Buyer agree as follows:

          a.   Pursuant to federal regulations promulgated under the authority
of The Americans With Disabilities Act, 28 C.F.R. Section 35.101 et seq., the
Seller/Buyer understands and agrees that no individual with a disability shall,
on the basis of the disability, be excluded from participation in this contract
or from activities provided for under this contract. As a condition of
accepting and executing this contract, the Seller/Buyer agrees to comply with
the "General Prohibitions Against Discrimination", 28 C.F.R. Section 35.130,
and all other regulations promulgated under Title II of The Americans With
Disabilities Act which are applicable to the benefits, services, programs and
activities provided by the Commonwealth of Pennsylvania through contracts with
outside contractors.

          b.   The Seller/Buyer shall be responsible for and agrees to
indemnify and hold harmless the Commonwealth of Pennsylvania from all
<PAGE>   25
                                     - 25 -

losses, damages, expenses, claims, demands, suits and actions brought by any
party against the Commonwealth of Pennsylvania as a result of the
Seller/Buyer's failure to comply with the provisions of Paragraph a above.

     36.   DESCRIPTIVE HEADINGS  The descriptive headings of this Agreement are
inserted for convenience in reference only and do not constitute a part of this
Agreement.

     37.   RECORDINGS  A Memorandum of this Agreement shall be recorded in the
Office of the Department of Records in and for Philadelphia County,
Pennsylvania.

           IN WITNESS HEREOF, Seller and Buyer, on behalf of themselves, their
executors, administrators, heirs, successors and assigns, have executed this
Agreement the day and year first above written.

                                       PIDC FINANCING CORPORATION

Attest:  /s/ Teresa A. DeMuses         By: /s/
         ---------------------             --------------------------
         Assistant Secretary               Senior Vice President

                                       RED BELL BREWING CO.

Attest:  /s/ James R. Bell             By:  /s/ James R. Bell
         ---------------------              -------------------------
               Secretary                            President
<PAGE>   26
                                  EXHIBIT "A"

                                  THE PREMISES
                                  ------------

PREMISES "A"           BLOCK 12 N 15 LOT 114

ALL THAT CERTAIN lot or piece of ground with the buildings and improvements
thereon erected.

SITUATE in the 29th Ward of the City of Philadelphia.

BEGINNING at a point on the North side of Jefferson Street at the distance of
191 feet 9-3/4 inches more or less from the Westerly side of 31st Street; thence
extending in a Northerly direction 169 feet 10-5/8 inches more or less to a
point; thence on a line extending in a Northwesterly direction 9 feet more or
less to a point; thence extending in a Southerly direction 177 feet 6-1/2 inches
more or less to a point on the North side of Jefferson Street, thence extending
Eastwardly along the said North side of Jefferson Street 6 feet more or less to
the first mentioned point and place of beginning.

BEING ASSESSED AS  3123-1/2 Jefferson Street.

PREMISES "B"           BLOCK 12 N 15 LOT 112

ALL THAT CERTAIN lot or piece of ground with the buildings and improvements
thereon erected, described according to a Survey and Plan thereof made by
Ben H. Joseph Surveyor and Regulator of the 3rd Survey District on the 4th day
of March A.D. 1959 as follows to wit:

BEGINNING at a point formed by the intersection of the Northeasterly side of
Jefferson Street (50 feet wide) and the Northwesterly side of 31st Street (50
feet wide) in the 29th Ward of the City of Philadelphia; thence extending from
said point of beginning North 78 degrees, 39 minutes, West along the
Northeasterly side of Jefferson Street 191 feet 9-3/4 inches to a point; thence
extending North 11 degrees, 27 minutes, 6 seconds East 169 feet 10-5/8 inches to
a point; thence extending North 38 degrees, 58 minutes West 34 feet 3/4 of an
inch to a point on the Southeasterly side of Glenwood Avenue (60 feet wide);
thence extending North 50 degrees, 54 minutes, 57 seconds East along the
Southeast side of Glenwood Avenue 114 feet 5-5/8 inches to a point; thence
extending South 78 degrees, 51 minutes East 52 feet 6-3/4 inches to a point;
thence extending South 11 degrees, 21 minutes, West 17 feet 2 inches to a point;
thence extending South 78 degrees, 51 minutes, East 92 feet 3 inches to a point
on the Northwesterly side of 31st Street; thence extending South 11 degrees, 21
minutes West along the Northwesterly side of 31st Street 263 feet 2-5/8 inches
to the first mentioned point and place of beginning.

BEING ASSESSED AS 1500-36 North 31st Street.

                                       10
<PAGE>   27
                                  EXHIBIT "A"

                                  THE PREMISES

PREMISES "C"                  BLOCK 12 N 15 LOT 20

ALL THAT CERTAIN lot or piece of ground with the buildings and improvements
thereon erected.

SITUATE in the Twenty-ninth Ward of the City of Philadelphia.

BEGINNING at the point formed by the intersection of the North line of
Jefferson Street with the center line of Glenwood Avenue; thence extending
Eastwardly along the North line of said Jefferson Street Two Hundred and
Twenty-three feet, No inches more or less to a point in the vertical plane of
the Westerly face of a brick wall extending Northward from and at right angles
to the said Jefferson Street which wall separates property herein conveyed from
other property of the former Grantors; thence Northwardly at right angles to
said Jefferson Street along the line of the Westerly face of said wall One
Hundred Seventy feet, Six inches more or less to a point formed by the
intersection of said line with the center line of a wall running in a
Northwesterly direction towards and at approximately right angles to Glenwood
Avenue; thence along the center line of said latter wall North Fifty-one
degrees, Two minutes West Sixty-three feet, No inches more or less to the
center line of Glenwood Avenue; thence Southwesterly along the center line of
Glenwood Avenue South Thirty-nine degrees, Five minutes West Two Hundred and
Seventy-three feet, Three feet, Three and One-half inches more or less to the
point of beginning; the said Glenwood Avenue and Jefferson Street, being now
opened and public streets of the City of Philadelphia.

BEING NO. 3125-45 West Jefferson Street.

BEING, AS TO PREMISES "A" & "B", the same premises which Wallace Leisure
Products, Inc., a Pennsylvania Corporation by Deed dated 11/2/1995 and recorded
11/9/1995 in Philadelphia County, in Deed Book VCS 1008 page 383 conveyed unto
PIDC Financing Corporation, a Pennsylvania Non-Profit Corporation, its
successors and assigns, in fee.

BEING, AS TO PREMISES "C", the same premises which J. Wilson Borden, Jr. and
Joan Martin Borden, his wife by Deed dated 9/20/1965 and recorded 9/21/1965 in
Philadelphia County, in Deed Book CAD 548 Page 271 conveyed unto Model
Warehousing and Leasing Co., a Pennsylvania Corporation, its successors and
assigns, in fee.

AND WHEREAS by the filing of Articles of merger with the Department of State for
the Commonwealth of Pennsylvania 9/30/1974, Model Warehousing and Leasing Co., a
Pennsylvania Corporation was merged with and into Wallace Leisure Products,
Inc., a Pennsylvania Corporation.

AND BEING the same premises which Wallace Leisure Products, Inc., a
Pennsylvania Corporation by Deed dated as of 11/2/1995 and recorded 10/23/1997
in Philadelphia County in Deed Book JTD 446 page 392 conveyed unto PIDC
Financing Corporation, a Pennsylvania Non-Profit Corporation, its successors
and assigns, in fee.

                                      10-a

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