Document:

Exhibit 10.18

                                 LEASE AGREEMENT

     This lease is made and  entered  into this 19th day of June,  2003,  by and
between  NGE LEASING  INC..,  hereinafter  called  Lessee,  and Wise  Commercial
Properties, hereinafter called Lessor, whether one or more.

                  ARTICLE 1. DEMISE. DESCRIPTION. TERM AND RENT
                  ---------------------------------------------

1.01 Lessor hereby leases to Lessee, and Lessee hereby leases from Lessor,  that
certain property located at,  hereinafter  called the Leased Premises,  107 P.R.
1420  Bridgeport,  Texas  situated in Wise County , as described in Exhibit "A",
which is attached hereto and made a part hereof by reference,  for the term of 3
year(s) commencing on, September 1, 20 03 , and ending on, August 31, 2006 .

                      ARTICLE 2. OPTION TO RENEW OR EXTEND
                      ------------------------------------

                                 Terms of Option

2.01  Lessee is hereby  granted and shall,  if not at the time in default  under
this  lease,  have an option to extend the term of this lease for an  additional
period of 2 year(s) from the termination date hereof,  but otherwise on the same
terms, covenants, rental and conditions however the Lessor shall have the option
to raise the rent (and subject to the same exceptions and  reservations)  herein
contained.

                                  How Exercised

2.02 This option shall be  exercised  only by Lessee's  delivering  to Lessor in
person or by United  States mail no less than ninety (90) days before the end of
the  primary  term,  written  notice of its  election to extend the term of this
lease as herein provided.

2.03  Holding  Over.  In the event  Lessee  shall  continue to occupy the Leased
Premises  after the  expiration  of the term hereof,  such holding over shall be
deemed to have  created a  month-to-month  tenancy  subject to all the terms and
conditions of this Lease.  In the event of such holding  over,  Lessee shall pay
Lessor  monthly in advance  minimum  monthly rent equal to one point twenty five
(1.25)  times the  greatest  rental  provided in Section 2.1 hereof  during such
holding over.

                                 ARTICLE 3. RENT
                                 ---------------

                                  General Rent

3.01 Minimum Monthly Rent.  Lessee shall pay as a minimum rental in such amounts
and for such periods as stated below, without deduction, setoff, prior notice or
demand,  with  payments  due in advance on the first (1st) day of each  calendar
month during the entire term of this Lease and any extensions, the following:

     (a)  From the first 1st month through and including the 36th month, minimum
          rent at an  annual  rate  of  EIGHT-TEEN  THOUSAND  AND  NO/100  CENTS
          ($18,000.00)  payable in equal  monthly  installments  of ONE THOUSAND
          FIVE HUNDRED AND NO/100 CENTS ($1,500.00);

In the event the term of this Lease  commences  or ends on a date other than the
first day of the month,  the  minimum  monthly  rent for the first and last such
fractional  months  of the term of this  Lease,  as the  case  may be,  shall be
prorated in the  proportion  that the number of days of Lessee's  tenancy during
any such fractional month bears to thirty (30) days, and shall be payable on the
first day of such month.

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3.02 Security Deposit. No Security Deposit Required.  Upon the execution of this
Lease,  Lessee  agrees to pay Lessor the sum of THREE  THOUSAND AND NO/100 CENTS
($3,000.00  ), of which ONE THOUSAND  FIVE HUNDRED AND NO/100 CENTS  ($1,500.00)
shall be applied to the minimum monthly rent due with respect to the first month
rent of the term of this Lease,  and ONE THOUSAND  FIVE HUNDRED AND NO/100 CENTS
($1,500.00) for the last month rent of the term of this Lease.

                                     Default

3.03  Lessor's  Default.  In the event of  breach  by  Lessor  of any  covenant,
warranty,  term or obligation under this Lease on Lessor's part to be performed,
and  Lessor's  failure to cure the same within  thirty  (30) days after  written
notice thereof by Lessee, Lessee's sole remedy shall be to terminate this Lease,
whereupon  all advance  rental  hereunder  not then having been applied  against
minimum  monthly rent payments  shall be returned  forthwith to Lessee,  and all
obligations of Lessee and Lessor hereunder shall terminate forthwith.

3.04 Lessee's Default. Each of the following events shall be a default hereunder
by Lessee and a breach of this Lease:

     (a)  If Lessee shall file a petition in  bankruptcy  or  insolvency  or for
          reorganization  or arrangement under the bankruptcy laws of the United
          States or any  insolvency act of any state or shall  voluntarily  take
          advantage  of any such law or act by answer or  otherwise  or shall be
          dissolved or shall make an assignment for the benefit of creditors;

     (b)  If involuntary proceedings under any such bankruptcy law or insolvency
          act or for  the  dissolution  of a  corporation  shall  be  instituted
          against  Lessee or if a receiver or trustee  shall be appointed of all
          or  substantially  all of the property of Lessee and such  proceedings
          shall not be dismissed or such  receivership  or  trusteeship  vacated
          within thirty (30) days after such institution or appointment;

     (c)  If Lessee  shall fail to pay Lessor any rent or  additional  rent when
          the same shall  become due and  payable and shall not cure the default
          within five (5) days after notice of same;

     (d)  If  Lessee  shall  fail  to  perform  any  of the  agreements,  terms,
          covenants,  or conditions  hereof on Lessee's part to be performed and
          such  non-performance  shall  continue  for the  period  within  which
          performance  is  required  to be made by  specific  provision  of this
          Lease,  or if no such  period is so  provided,  for a period of thirty
          (30) days  after  notice  thereof  by  Lessor  to  Lessee  or, if such
          performance  cannot be  reasonably  had within  such  thirty  (30) day
          period, Lessee shall not in good faith have commenced such performance
          within such thirty  (30) day period and shall not  diligently  proceed
          therewith to completion;

     (e)  If Lessee shall vacate or abandon the Leased Premises; or

     (f)  If this Lease or the estate of Lessee  hereunder  shall be transferred
          to or shall pass to or devolve unto any other person or party,  except
          in a manner permitted under Article VII hereof.

     If this Lease shall be held by a permitted assignee or successor of Lessee,
the  provisions  of clauses (a) and (b) of this  subsection  shall apply only to
such assignee or successor while in possession of the Leased Premises.

3.05  Lessor's  Remedies.  If any event set forth in Section  10.2 hereof  shall
occur,  Lessor,  in  addition  to any other  rights or  remedies  it may have by
statute or  otherwise,  including  the right to take no action other than to sue
for damages or rental in default, shall have the immediate right of re-entry and
may remove all persons and property from the Leased Premises. Such property may,
but need not, be removed and stored in a public  warehouse  or  elsewhere at the
cost of and for the account of Lessee. Should Lessor elect to re-enter by giving
notice of such  intention  to  Lessee,  as  herein  provided,  or should  Lessor
actually take possession by physical act or pursuant to legal proceedings or any
notice  provided  for by law,  Lessor  may  either  terminate  this Lease or may
attempt  to relet  the  Leased  Premises  or any  part  thereof,  including  any
buildings,  improvements or personal property of Lessee located thereon, for the
account  of Lessee  for such term or terms  (which  may be for a term  extending
beyond the term of this Lease) and at such  rental or rentals  payable to Lessor

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and upon such other terms and  conditions  as Lessor in the exercise of Lessor's
sole  discretion  may deem  advisable,  with the right to make  alterations  and
repairs to said Leased  Premises at  Lessee's  expense for the  purposes of such
reletting.

If Lessor  elects to re-enter and attempt to relet the Leased  Premises,  Lessee
shall remain fully liable for all obligations of Lessee under this Lease. Lessor
shall give notice of any reletting  without  termination to Lessee and upon each
such  reletting  (a)  Lessee  shall be  immediately  liable for and shall pay to
Lessor, as additional rent and in addition to any other sums due hereunder,  the
costs and expenses of such reletting  (including  advertising  costs,  brokerage
fees, any reasonable  attorney's  fees incurred and the cost of any  alterations
and repairs incurred by Lessor),  and shall also become  immediately  liable for
and shall pay to Lessor the amount,  if any, by which the rent  reserved in this
Lease for the  period of such  reletting  (up to but not beyond the term of this
Lease)  exceeds the amount  agreed in such  reletting to be paid as minimum rent
for the Leased Premises for said period; or (b) at the option of Lessor given in
such notice of reletting,  rents received by Lessor from such reletting shall be
applied first to the payment of any  indebtedness  other than rent due hereunder
from Lessee to Lessor;  second, to the payment of the costs and expenses of such
reletting   (including   advertising  costs,   brokerage  fees,  any  reasonable
attorney's  fees incurred and the costs incurred for  alterations  and repairs);
third,  to the payment of rent and other charges due and unpaid  hereunder;  and
the  residue,  if any,  shall be held  without  interest to Lessee by Lessor and
applied  in  payment  of  future  rent as the same may  become  due and  payable
hereunder. If Lessee has been credited with any rent to be received by reletting
under option (a) and such rents shall not be promptly  paid to Lessor by the new
tenant,  or if rent  received  from such  reletting  under option (b) during any
month be less than that to be paid during that month by Lessee hereunder, Lessee
shall pay any deficiency to Lessor. Such deficiency shall be calculated and paid
upon demand by Lessor;  if any such  monthly  payments are not made upon demand,
Lessor may at any time undertake legal proceedings to recover all such payments,
whether one or more  payments  are past due,  and Lessee shall be liable for all
attorney's  fees of Lessor in connection with attempts to recover said payments,
whether or not legal proceedings are commenced.

No  re-entry or taking  possession  of the Leased  Premises  by Lessor  shall be
construed  as an election  on Lessor's  part to  terminate  this Lease  unless a
written  notice of such  intention be given to Lessee or unless the  termination
thereof be decreed by a court of  competent  jurisdiction.  Notwithstanding  any
reletting or attempted  reletting  without  termination,  Lessor may at any time
thereafter  elect to  terminate  this Lease for such  previous  default.  Should
Lessor at any time  terminate  this Lease for any  default,  in  addition to any
other remedy Lessor may have,  Lessor may recover from Lessee all damages Lessor
may incur by reason of such default, including the cost of recovering the Leased
Premises  (including  attorney's fees, court costs,  and storage  charges),  the
amount  of  rental  payments  then in  default,  the  worth  at the time of such
termination  of the excess,  if any, of the amount of rent and  additional  rent
reserved  in this  Lease  for the  remainder  of the  stated  term over the then
reasonable  rental value of the Leased  Premises for the remainder of the stated
term, and any other amount necessary to compensate  Lessor for all the detriment
proximately  caused by Lessee's  failure to perform his  obligations  under this
Lease or which in the  ordinary  course  of  events  would be  likely  to result
therefrom, all of which amounts shall be immediately due and payable from Lessee
to Lessor upon  demand.  The "worth at the time of  termination"  of any amounts
referred to above shall be computed by discounting such amounts in effect at the
time of the  termination  of this Lease.  No  compensation,  damage or allowance
shall  be made to  Lessee  upon  such  termination  for any  buildings  or other
improvements  located on the Leased Premises,  and all right, title and interest
of  Lessee  in  or  to  the  Leased   Premises  and  said  buildings  and  other
improvements,  whether  in  law  or  in  equity,  shall  immediately  cease  and
terminate,  all with the same  force and effect as if the term of this Lease had
duly expired.

Whenever under this Section Lessee shall be liable for the payment of additional
rent to Lessor, for any deficiency in rent received by Lessor upon reletting, or
for damages  measured by rent, and the amount of the additional  percentage rent
which would have accrued for a specific period is not known,  rent shall include
the minimum rent for that period plus a sum for additional  percentage  rent for
the period based upon the average annual  percentage  rental required to be paid
by Lessee  during  the two  annual  periods  immediately  preceding  the date of
default (or if two full annual periods during which minimum monthly rent payable
hereunder have not elapsed,  then the period between the date upon which payment
of minimum monthly rent under this Lease commenced and the date of such default)
with proportionate  adjustment for partial annual periods.  In addition,  Lessee
shall be liable for all charges incurred or to be incurred by Lessor during such
period  for all costs and  expenses  required  to be borne by Lessee  hereunder,
which charges may be estimated by Lessor on the basis of past  charges.  If this
Lease  continues in effect after any payment of rent  calculated on the basis of
estimates or averages as above provided,  including additional  percentage rent,
Lessee's  actual  liability  for such charges shall be adjusted as any rent from
tenants  to whom the  Leased  Premises  are relet is  received  or as the actual

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amount of additional rent due from Lessee becomes known.  Such adjustments shall
be made  periodically  as Lessor  deems  appropriate,  but not less  often  than
yearly,  and Lessor  shall give  Lessee  notice of such  adjustments  and of any
amounts due from Lessee to Lessor, which amounts shall be payable on demand.

3.06 Penalty for Late Payment and Lessor Reimbursement.  Lessee understands that
in the event Lessee fails to pay Lessor any sums owed Lessor  hereunder,  Lessor
will be forced to incur additional costs and expenses,  both administratively as
a result of having to make demands upon Lessee,  and financially for the loss of
use of Lessor's  money. In that regard,  Lessee agrees to pay an  administrative
late charge in the amount of $10.00 per day for each working day after the tenth
of any month in which  any rent  payment  has not been  received.  In  addition,
should  payment not be received by the tenth of any month,  Lessee agrees to pay
interest  at the  rate of 12%  per  annum,  retroactive  to the  first,  on such
delinquent rental (excluding, however, any accrued late charges, which shall not
bear  interest).  Interest on any sums due under this Lease shall not exceed the
maximum  rate allowed by law. Any interest in excess of the maximum rate allowed
by law shall be credited to the principal amount of the debt or if that has been
paid, refunded.  This provision overrides all other provisions in this Lease. In
the event the  Lessor is  required  to retain the  services  of an  attorney  to
collect past due rentals  and/or real estate taxes,  Lessee shall be required to
reimburse Lessor such costs and expenses incurred by the Lessor.

                        ARTICLE 4. TAXES AND ASSESSMENTS
                        --------------------------------

                              Hold Harmless Clause

4.01 Lessee agrees to and shall protect and hold harmless  Lessor and the Leased
Premises  from  liability  for any personal  property  taxes,  assessments,  and
charges levied or assessed upon Lessee's personal property located on the Leased
Premises, together with any interest,  penalties, or other sums thereby imposed,
and from any sale or other proceeding to enforce payment thereof.

               Separate Assessments of Real and Personal Property

4.02  During  the term  hereof,  Lessor  and  Lessee  agree to cause all  taxes,
assessments,  and other charges levied on or imposed on any of Lessee's personal
property  situated  in,  on, or about  the  Leased  Premises  to be levied on or
assessed separately from the Leased Premises and not as a lien thereon.

4.03 Lessee's Representations and Warranties. The Lessee represents and warrants
that the  execution,  delivery and  performance of this Lease (i) have been duly
authorized by all  requisite  action,  (ii) will not violate or  contravene  any
provision of any agreement or other instrument to which Lessee is party or bound
and that this  Lease is the  legal,  valid and  binding  obligation  of  Lessee,
enforceable in accordance with its terms.

                       ARTICLE 5. DESTRUCTION OF PREMISES
                       ----------------------------------

                                Total Destruction

                      DAMAGE, DESTRUCTION AND CONDEMNATION

5.01  Damage  or  Destruction  to  Premises.  In  the  event  that  any  of  the
improvements on the Leased Premises are damaged, destroyed or lost as the result
of any act of  Lessee  or other  casualty,  the net  proceeds  of any  insurance
payable  in respect of such  damage or  destruction  shall be paid to Lessor and
Lessor shall forthwith repair, restore and reconstruct such damaged or destroyed
improvements,  so that  upon  completion  thereof  such  improvements  shall  be
substantially  the same as before the occurrence of such damage or  destruction.
In the event Lessor fails to commence such repair, restoration or reconstruction
within  thirty (30) days  following its  occurrence  and  thereafter  diligently
prosecute the same to completion,  Lessee may, upon furnishing to Lessor written
notice  of  its  election  to  do  so,  cause  such   repair,   restoration   or
reconstruction to be done, and the net cash proceeds of the insurance payable in
respect of the damage to be repaired shall be paid to Lessee.  There shall be no
abatement of rent during the repairs, restoration or reconstruction contemplated
by this subsection.

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5.02 Condemnation of Premises.

     (a)  The  term  "condemnation"  as used  in this  Section  shall  mean  the
          exercise of the power of eminent domain by any person,  entity,  body,
          agency or authority,  or private  purchase in lieu of eminent  domain.
          The "date of  condemnation"  shall  mean the date on which the  actual
          physical  taking of possession  pursuant to the exercise of such power
          of eminent domain, or private purchase in lieu thereof, occurs, or the
          date of settlement or compromise of the claims of the parties  thereto
          during the  pendency of the  exercise of such power,  whichever  first
          occurs, and property is deemed "condemned" on such date.

     (b)  In  the  event  the  entire   Leased   Premises   are  taken   through
          condemnation,  this Lease shall terminate on the date of condemnation.
          In such event the rent and additional rent payable by Lessee hereunder
          shall be apportioned and paid to such date.

     (c)  In the  event  that  twenty  percent  (20%) or more but less  than the
          entirety of the Leased Premises is taken through condemnation so that,
          in Lessee's  reasonable  opinion,  such Leased  Premises are no longer
          suitable for the  continuation  of the business  then being  conducted
          thereon,  this Lease shall terminate on the date of  condemnation.  In
          such event the rent and  additional  rent payable by Lessee  hereunder
          shall be apportioned and paid to such date.

     (d)  In the  event  that  twenty  percent  (20%) or more but less  than the
          entirety of the Leased  Premises is taken  through  condemnation  such
          that the  remaining  part  thereof,  in Lessee's  reasonable  opinion,
          remains  reasonably  suitable for  Lessee's  continued  occupancy  and
          conduct of the  business  then  being  conducted  thereon,  this Lease
          shall, as to the part so taken, terminate on the date of condemnation,
          and the minimum  monthly  rent shall  thereupon be reduced in the same
          proportion  that the number of square  feet of the  building  so taken
          bears to the number of square feet of the building.

     (e)  Lessor and Lessee  shall each be  entitled  to receive and retain such
          separate awards and portions of lump sum awards,  including  severance
          damages, if any, as may be allocated to their respective  interests in
          any  condemnation  proceedings.  Lessee  shall also be entitled to any
          award made to it for depreciation to or loss of and cost of removal of
          furniture,  fixtures,  equipment and  inventory.  Termination  of this
          Lease  shall not affect the rights of the  respective  parties to such
          awards.

     (f)  Each party agrees to execute and deliver to the other all  instruments
          that may be required to effectuate the provisions of this Section.

                              ARTICLE 6. UTILITIES
                              --------------------

6.01 Lessee,  shall during the term hereof pay all charges for  telephone,  gas,
electricity,  and water used by Lessee in or on the Leased  Premises and for the
removal of rubbish  therefrom before they shall become delinquent and shall hold
Lessor harmless from any liability therefore.

                       ARTICLE 7. ENVIRONMENTAL INDEMNITY
                       ----------------------------------

7.01  Lessor  shall  be  responsible  for and  save  Lessee  harmless  from  any
environmental  damages or clean up costs  relating  to any  conditions  existing
prior to the commencement date of this Lease. Lessee shall not commit, or suffer
to be committed, any waste on the Leased Premises, nor shall it maintain, commit
or permit the maintenance or commission of any nuisance on the Leased  Premises.
Lessee shall be responsible for and save Lessor harmless from any  environmental
damages,  clean up costs,  legal costs, fines and penalties relating to Lessee's
use of the Leased Premises.

     Hazardous  Substance or Waste.  In the event any  "hazardous  substance" or
     "hazardous  waste" as those terms are used in the various federal and state
     environmental   laws   (hereinafter   referred   to   as   the   "hazardous
     substance/waste")  is  discovered at any time during the term of this Lease
     or any extensions  thereof,  or any time  thereafter,  under  circumstances
     where it is reasonably  clear that such  hazardous  substance/waste  became
     present  at any time  after the  Effective  Date  until the  expiration  or
     earlier  termination  of  this  Lease,  and  same  resulted  from an act or

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     omission of Lessee, its subtenants,  agents, employees,  customers or other
     invitees,   Lessee  shall  indemnify,   defend  (with  counsel   reasonably
     satisfactory  to Lessor) and hold and save Lessor harmless from and against
     any and all claims, liabilities,  actions, judgments,  responsibilities and
     damages of every kind and nature arising from or related to the presence of
     said hazardous substance/waste.

                               ARTICLE 8. REPAIRS
                               ------------------

                     Lessor's and Lessee's Duties to Repair

8.01 Lessee  shall  maintain  the Leased  Premises  in a  condition  fit for its
intended  use and shall make all  necessary  repairs  and Lessee  shall make all
repairs of the Leased  Premises  occasioned  by its  negligent use of the Leased
Premises.  During the term of this  Lease,  Lessee  shall,  at its sole cost and
expense,  maintain  the Leased  Premises  and the  improvements  thereon in good
condition and repair,  reasonable wear and tear and depreciation  accepted,  and
shall  maintain  all  service  areas  within the Leased  Premises in a clean and
rubbish-free  condition.  Lessee shall,  prior to the commencement of the Lease,
place the Leased Premises in a first class condition for operation. Lessee shall
maintain all landscaped areas within the Leased Premises free from weeds, pruned
and  clipped,  and not  permit  these  landscaped  areas  to  become  unsightly,
overgrown,  so as to detract from the condition of the Leased  Premises.  Lessee
shall maintain any adjoining  streets and the whole of such Leased Premises in a
clean and sanitary condition,  in accordance with all applicable state, city and
county health and  sanitation  laws and ordinances and as directed by the proper
public officials during the term of this Lease.  Lessor shall not be called upon
to make any  improvements  or repairs in or upon the Leased  Premises during the
term of this Lease except as expressly  required or permitted herein.  Provided,
however,  that any  alteration,  repair or change  which may be required by law,
regulation or rule  resulting  from  non-compliance  by Lessor with the terms of
this Lease  shall be the sole  responsibility  and  expense  of  Lessor.  Lessee
covenants  and agrees to pay promptly when due all claims for work and materials
furnished in connection with its maintenance of such improvements, and shall not
permit or suffer any liens or encumbrances to the Leased Premises.  In the event
Lessee shall  default  under this  Section,  as  determined  by Section  10.2(d)
hereof,  Lessor  may,  but shall not be  obligated  to,  cure  such  default  by
undertaking any and all corrective  work and Lessee shall  reimburse  Lessor for
all costs and expenses Lessor thereby sustains.

                                  Lessor's Duty

8.02 Lessor  guarantees  that on the date of commencement of this Lease that the
Leased Premises will have:

     (1)  Effective  waterproofing  and weather  protection of roof and exterior
          walls, including unbroken windows and doors.

     (2)  Plumbing  facilities  that conform to applicable  law in effect at the
          time of installation, maintained in good working order.

     (3)  A water  supply  approved  under  applicable  law  which is under  the
          control of Lessee, capable of producing hot and cold running water, or
          a system which is under the control of Lessor,  which produces hot and
          cold running water, furnished to appropriate fixtures and connected to
          a sewage disposal system under applicable law.

     (4)  Heating and cooling  facilities which conform to applicable law at the
          time of installation, maintained in good working order.

     (5)  Electrical lighting, with wiring and electrical equipment that conform
          to  applicable  law at the time of  installation,  maintained  in good
          working order.

     (6)  Building,  grounds,  and appurtenances at the time of the commencement
          of the  lease  in  every  part  clean,  sanitary,  and  free  from all
          accumulations of debris, filth, rubbish, garbage, rodents, and vermin,
          and all areas under  control of Lessor  thereafter  kept in every part
          clean,  sanitary,  and free from all  accumulations of debris,  filth,
          rubbish, garbage, rodents, and vermin.

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     (7)  Floors maintained in good repair.

               Lessee's Duties Correlative to Lessor's Obligations

8.03 No duty on the part of the Lessor shall arise with  respect to  maintenance
or repairs under this lease if Lessee is in substantial  violation of any one or
more of the following affirmative obligations:

     (1)  To keep its Leased Premises,  which it occupies and uses, as clean and
          sanitary as is reasonable under the circumstances.

     (2)  To dispose from its Leased  Premises all rubbish,  garbage,  and other
          waste, as is reasonable under the circumstances.

     (3)  Not to permit any person on the premises, with Lessee's permission, to
          willfully or wantonly destroy,  deface,  damage, impair, or remove any
          part  of  the  Leased  Premises  or  the  facilities,   equipment,  or
          appurtenances thereto.

                       Lessee's Right to Repair for Lessor

8.04 (1)  If within 30 days  notice to Lessor of  repairs or  maintenance  which
          Lessor  has a duty to  repair,  and if  Lessor  neglects  to make such
          repairs,  Lessee  may repair  the same  itself,  where the cost of the
          repairs does not require an expenditure  greater than one month's rent
          of the  premises,  and deduct the  expenses of such  repairs  from the
          rent.  However,  Lessee may not vacate the premises nor will Lessee be
          discharged  from  further  payment of rent,  or  performance  of other
          conditions.

     (2)  For purposes of this Paragraph  8.06, if Lessee makes repairs at least
          30 days following his giving notice to Lessor, Lessee will be presumed
          to have acted after a reasonable time.

                ARTICLE 9. ALTERATIONS, IMPROVEMENTS AND FIXTURES
                -------------------------------------------------

9.01  Lessee  shall have the right at any time and from time to time  during the
term and any  extended  term hereof at its sole cost and  expense,  to affix and
install such  property  and  equipment  to, in, or on the Leased  Premises as it
shall in its sole  discretion  deem  advisable.  Lessee  shall have the right to
erect  signs  on the  Leased  Premises,  including  the  exterior  walls  of the
building.  Lessee shall, at its own expense, be responsible for the erection and
maintenance of exterior signage required to advertise  Lessee's  business within
the Leased  Premises.  The size,  color,  form and other details  concerning any
signs to be placed on the Leased Premises shall be determined by Lessee, subject
to Lessor's reasonable  approval.  Lessee covenants and agrees that its exterior
signage  shall not  impede the  visibility  of, or block or  obstruct,  Lessor's
signage  on the  property  contiguous  to the Leased  Premises  and shall in all
respects comply with applicable  governmental  requirements.  Any such fixtures,
signs, equipment, and other property installed in or affixed to or on the Leased
Premises  shall  remain the  property of Lessee,  and Lessor  agrees that Lessee
shall have the right at any time,  and from time to time,  to remove any and all
such fixtures,  equipment, and other, property; provided, however, that any such
fixtures,  equipment,  or property not removed from the premises  within  thirty
(30) days after  expiration or sooner  termination  of the term or extended term
hereof  shall be deemed to have been  abandoned  by Lessee  and shall  thereupon
become the absolute  property of Lessor without  compensation to Lessee.  Lessee
shall  repair any damage  caused by the  removal of  fixtures  pursuant  to this
paragraph.

9.02 Lessee  shall have the right at its own cost and expense  from time to time
during the term or any extended term hereof to construct on the Leased  Premises
such buildings and other improvements, and make such alterations, additions, and
changes  therein as it deems  necessary or convenient  for its purposes,  and it
shall be  permitted  from time to time during and within  thirty (30) days after
expiration or sooner  termination of the term hereof to remove any such building

                                       7
<PAGE>

or other  improvements  erected or made by it;  provided,  however,  that Lessee
shall  repair any  damages to the Leased  Premises  caused by such  removal  and
further provided that any such building or improvement which shall not have been
removed  by Lessee on or within  thirty  (30) days  after  expiration  or sooner
termination of the term or any extended term hereof shall be deemed abandoned by
Lessee  and shall  thereupon  become the  absolute  property  of Lessor  without
compensation to Lessee,  and Lessee shall not be required on such abandonment to
restore the premises to their present condition.

                        MAINTENANCE, ALTERATIONS AND USE

9.03.  Use of  Premises.  The  Leased  Premises  shall  be used  solely  for the
operation of Office,  Warehouse, & Storage Yard_ and shall neither be maintained
nor used in a manner,  which  violates any applicable  law,  rule,  ordinance or
regulation of any governmental body. Lessee shall not permit the Leased Premises
to be used  for any  purpose,  which  would  increase  the  existing  rate of or
adversely  affect the coverage  under any policy of insurance  thereon or render
the insurance void or the insurance risk more hazardous.

9.04 Alterations of Premises.

     (a)  Lessee  shall not at any time  during  the term of this Lease make any
          alteration,  rebuilding,  replacement, change, addition or improvement
          in or to the Leased Premises or to any improvement thereon unless:

          (i)  The same shall be performed in a first class workmanlike  manner,
               at Lessee's sole cost and expense, and shall not weaken or impair
               the structural strength, or lessen the value of such improvements
               as shall be on the  Leased  Premises  at the time,  or change the
               purposes for which such improvements may be used;

          (ii) The same  shall be made  according  to plans  and  specifications
               therefore,  which  shall be first  submitted  to and  approved in
               writing by Lessor, said consent not to be unreasonably withheld;

          (iii)Before  the   commencement  of  any  such  work  such  plans  and
               specifications   shall  be  filed  with  and   approved   by  all
               governmental departments or authorities having jurisdiction,  and
               any public utility  company having an interest  therein,  and all
               such work  shall be done  subject to and in  accordance  with the
               requirements  of law and local  regulations  of all  governmental
               departments or authorities having jurisdiction and of such public
               utility company, as the case may be;

          (iv) Before the  commencement  of any such work,  Lessee shall pay the
               amount of any increase in premiums on insurance policies provided
               for  under  this  Lease on  account  of  endorsements  to be made
               thereon  covering  the risk  during the course of such work,  and
               workmen's compensation insurance covering all persons employed in
               connection with the work and with respect to whom death or bodily
               injury  claims  could be  asserted  against  Lessor or the Leased
               Premises  shall be  maintained  by  Lessee  at its sole  cost and
               expense at all times when any such work is in progress; and

          (v)  With respect to each contract or agreement  (oral or written) for
               labor,  services,  materials or supplies in  connection  with any
               such alteration,  rebuilding,  replacement,  change,  addition or
               improvement  before the  commencement  of any such  work,  Lessee
               shall deliver to Lessor  either (i) a duplicate  original of such
               contract,  if in  writing,  which shall  provide  that no lien or
               claim shall thereby be created,  or arise,  or be filed by anyone
               thereunder upon or against the Leased Premises,  or the buildings
               or improvements  thereof, or to be erected on the Leased Premises
               or any of the equipment  thereon or (ii) a written  waiver by the
               architect,  engineer,  contractor,  subcontractor,  material man,
               mechanic,  and each other person or  corporation  contracting  to
               furnish such labor, services, materials or supplies, of all right
               of lien which he or it might  otherwise  have upon or against the
               Leased Premises,  or the buildings or improvements to be altered,
               repaired,  improved  or  constructed,  or the  interest of Lessor
               therein.

                                       8
<PAGE>

     (b)  All  buildings,  alterations,   rebuilding,   replacements,   changes,
          additions, improvements and appurtenances on or in the Leased Premises
          at the  commencement  of the lease  term,  and  which may be  erected,
          installed  or  affixed on or in the  Leased  Premises  during the term
          hereof,  are and shall be deemed to be and immediately  become part of
          the realty and the sole and  absolute  property of Lessor and shall be
          deemed to be part of the  Leased  Premises,  except  that all  movable
          trade  fixtures  installed by Lessee,  any assignee or any  sub-lessee
          shall be and remain the  property  of Lessee,  such  assignee  or such
          sub-lessee, as the case may be.

                              ARTICLE 10. COVENANTS
                              ---------------------

                          Covenant of Quiet Possession

10.01  Lessor  shall  on the  commencement  date of the  term of this  lease  as
hereinabove set forth , place Lessee in quiet  possession of the Leased Premises
and shall secure it in the quiet possession thereof against all persons lawfully
claiming the same during the entire lease term and any extensions thereof.

                       ARTICLE 11. DELIVERY OF POSSESSION
                       ----------------------------------

11.01 If Lessor  shall be able to  deliver  possession  of the  Leased  Premises
before the  commencement  date of the term  hereof,  and in the event  Lessor is
unable to deliver  possession until after the  commencement  date of this lease.
The commencement date and terms of this lease shall be prorated from the date of
delivery to the first day of the month following the delivery date of the Leased
Premises.

                        ARTICLE 12. SURRENDER OF PREMISES
                        ---------------------------------

                                    Surrender

12.01 Lessee agrees to and shall,  on expiration  or sooner  termination  of the
term hereof or of any extended term hereof,  promptly  surrender and deliver the
Leased Premises to Lessor in good condition, ordinary wear and tear excepted.

                        ARTICLE 13. INSPECTION BY LESSOR
                        --------------------------------

13.01  Lessee  shall  permit  Lessor  and its  agents to enter into and upon the
Leased  Premises at all reasonable  times for the purpose of inspecting the same
or for the  purpose  of  maintaining  or making  repairs or  alterations  to the
building.

                       ARTICLE 14. ASSIGNMENT AND SUBLEASE
                       -----------------------------------

                       Assignment and Subletting by Lessee

14.01 Lessee or its permitted  assignee may not sublet the Leased  Premises,  in
whole or in part,  without first  obtaining the prior written consent of Lessor.
It is  specifically  understood and agreed by and between Lessor and Lessee that
any  subletting  which  Lessee or its  permitted  assignees  make,  as permitted
herein, shall in no event relieve Lessee of the obligations of Lessee hereunder,
and that the  right of  subletting  shall  be that of  Lessee  or its  permitted
assignees  only,  and shall not  extend to any  subtenant.  Any  consent  to any
subletting shall not be deemed to be a consent to any subsequent subletting.

                              ARTICLE 15. INSURANCE
                              ---------------------

15.01 Insurance.

     (a)  Lessor shall,  at all times during the term of this lease,  maintain a
          policy or policies of insurance issued by a solvent insurance company,
          insuring  Lessor's  interest in the Leased Premises against all risks,
          for the full replacement value thereof. Lessee shall maintain in force
          a like policy insuring Lessee's interest in any furniture,  equipment,
          machinery, goods or supplies which Lessee may bring or obtain upon the

                                       9
<PAGE>

          Leased  Premises,  or any  improvements  which  Lessee  may  construct
          thereon.  Lessor and Lessee each waive, and shall cause their insurers
          to waive,  any and all rights of recovery for any loss or damage which
          may occur to the Leased  Premises,  any improvements  thereto,  or any
          personal  property of any party therein,  by reason of any cause which
          Lessor or Lessee is required to insure against under this paragraph.

     (b)  Indemnity.  Lessee hereby releases and agrees to defend, indemnify and
          hold Lessor  harmless  from and against all claims or causes of action
          for damage or injury to persons or  property  arising  out of Lessee's
          negligent  use or  occupancy  of the Leased  Premises.  Lessor  hereby
          releases and agrees to defend, indemnify and hold Lessee harmless from
          and  against  all  claims or causes of action  for damage or injury to
          persons or  property  arising  out of  Lessor's  negligence  under the
          lease.

     (c)  Liability  Insurance.  Lessee  shall  maintain,  at their own expense,
          policies of comprehensive  general  liability  insurance,  issued by a
          solvent  insurance  company  licensed  to do  business in the State of
          Texas,  with insurance to afford  minimum  protection of not less than
          $1,000,000  for  personal   injury  or  death  arising  from  any  one
          occurrence,  and of not less than $500,000 for property damage arising
          from any one  occurrence.  Said policies,  as maintained by Lessor and
          Lessee shall each contain contractual  liability coverage with respect
          to the indemnification obligations set forth in paragraph (b) herein.

15.02 Requirements of Law.

     (a)  During  the  term of this  Lease,  Lessee  shall,  at it own  cost and
          expense, promptly observe and comply with all present and future laws,
          ordinances, requirements, orders, directions, rules and regulations of
          the federal,  state, county and municipal governments and of all other
          governmental  authorities  having or  claiming  jurisdiction  over the
          Leased Premises or appurtenances or any part thereof, and of all their
          respective  departments,  bureaus and officials,  and of the insurance
          underwriting  board or insurance  inspection bureau having or claiming
          jurisdiction,  or any other body exercising similar functions,  and of
          all insurance  companies writing policies covering the Leased Premises
          or any part  thereof,  whether  such laws,  ordinances,  requirements,
          orders,   directions,   rules  or  regulations  relate  to  structural
          alterations,   changes,  additions,   improvements,   replacements  or
          repairs, either inside or outside, extraordinary or ordinary, foreseen
          or unforeseen,  or otherwise,  to or in and about the Leased Premises,
          or  any  building  thereon,  or to  any  passageways,  franchises,  or
          privileges appurtenant thereto or connected with the enjoyment thereof
          or to alterations, changes, additions,  improvements,  replacements or
          repairs  incident to or as a result of any use or occupation  thereof,
          or  otherwise,  including,  without  limitation,  the  removal  of any
          encroachment on the street or on adjoining premises by any building on
          the  Leased  Premises,  and  whether  the  same  are in  force  at the
          commencement of the term of this Lease or may in the future be passed,
          enacted or directed.

     (b)  Lessee,  after  notice to  Lessor,  may,  by  appropriate  proceedings
          conducted  promptly at Lessee's own expense,  in Lessee's  name and/or
          (whenever necessary) Lessor's name, contest in good faith the validity
          or  enforcement  of any such statute,  law,  ordinance,  regulation or
          order.  So long as (i) such  deferment  shall not subject  Lessor to a
          fine or other  criminal  liability,  (ii) Lessee  shall be  diligently
          prosecuting  such  contest  to  a  final  determination  by  a  court,
          department  or  governmental  authority  or body  having  jurisdiction
          thereof,  and (iii)  Lessee  shall  have  furnished  Lessor  with such
          security,  by bond or  otherwise,  as Lessor may request in connection
          with such contest, Lessee may defer compliance with such statute, law,
          ordinance, regulation or order.

15.03 Security and Improper Acts.  Lessee shall not perform and shall not permit
any acts or practices upon the Leased Premises,  which may injure the public, or
the improvements located on the Leased Premises. Lessee shall be responsible for
monitoring  and  maintaining  the safety and  security  of the Leased  Premises.
Lessee shall  properly  maintain the trash  receptacles  and storage bins on the
Leased  Premises and shall not permit any noxious or offensive  fumes,  odors or
noises to emanate from the Leased Premises.

15.04 Indemnification. To the fullest extent permitted by applicable law, Lessee
agrees  to  indemnify,  protect,  defend  and  hold  harmless  Lessor,  Lessor's
partners,  successors,  assigns,  heirs,  personal  representatives,   devisees,
agents, stockholders,  officers, directors,  employees, and affiliates of any of
the above-mentioned  parties (collectively  "Indemnities") for, from and against

                                       10
<PAGE>

any and all  liabilities,  damages,  claims,  suits,  losses,  causes of action,
liens, judgments and expenses (including court costs, attorney's fees, and costs
of  investigation),  of any nature,  kind or  description  arising or claimed to
arise by  reason  of  injury  to or death of any  person or damage to or loss of
property (i) occurring on, in, or about the Leased  Premises,  or (ii) by reason
of any other claim whatsoever of any person or party occasioned or alleged to be
occasioned  in whole or in part by any act or  omission on the part of Lessee or
any invitee, licensee,  employee, director, officer, servant, guest, contractor,
subcontractor  or sublessee  of Lessee,  or (iii) by any breach,  violation,  or
nonperformance  of any  covenant  of  Lessee  under  this  Lease or a breach  or
violation  by Lessee of any court order or any law,  regulation  or ordinance of
any federal, state or local authority (collectively "Liabilities"), even if such
Liabilities arise from or are attributed to the concurrent or sole negligence of
any  Indemnity.  If any action or proceeding  shall be brought by or against any
Indemnity in connection with any such Liabilities or claims,  Lessee,  on notice
from Lessor,  shall defend such action or proceeding  at Lessee's  expense by or
through  attorneys  reasonably  satisfactory  to Lessor.  The provisions of this
paragraph  shall  apply to all  activities  of Lessee  with  respect  the Leased
Premises,  whether  occurring before or after the commencement  date of the term
and  before or after the  expiration  or  termination  of this  Lease.  Lessee's
obligations  under this paragraph shall not be limited to damages,  compensation
or benefits  payable  under  insurance  policies,  worker's  compensation  acts,
disability benefit acts or other employee benefit acts.

15.05  Estoppel  Letter.  Lessee agrees to furnish  Lessor's  lender an estoppel
letter and such other documents as may be reasonably required of Lessor's lender
from time to time.

                            ARTICLE 16 LESSOR'S LIEN
                            ------------------------

Article 16  Entire Section Deleted

                            ARTICLE 17. Miscellaneous
                            -------------------------

                              Notices and Addresses

17.01 All notices  provided to be given under this  agreement  shall be given by
certified  mail or  registered  mail,  addressed  to the  proper  party,  at the
following address:

         Lessor:                             Lessee:

         Fast Fab Metal Buildings            NGE Leasing Inc.
         ---------------------------         ---------------------------
         P.O. Box 694                        2911 South County Road 1260
         ---------------------------         ---------------------------
         Bridgeport, Texas  76426            Midland, Texas  79706
         ---------------------------         ---------------------------

                                             Attn:  Scott Sparkman

                                  Parties Bound

17.02  This  agreement  shall be  binding  upon and inure to the  benefit of the
parties hereto and their  respective  heirs,  executors,  administrators,  legal
representatives, successors, anal assigns where permitted by this agreement.

                                  Law to Apply

17.03 This agreement shall be construed under and in accordance with the laws of
the State of, Texas and all  obligations  of the parties  created  hereunder are
performable in Wise County, Texas .

                               Legal Construction

17.04  In case any one or more of the  provisions  contained  in this  agreement
shall for any reason be held to be invalid,  illegal,  or  unenforceable  in any
respect, such invalidity,  illegality,  or unenforceability shall not affect any
other  provision  thereof  and  this  agreement  shall be  construed  as if such
invalid, illegal, or unenforceable provision had never been contained herein.

                                       11
<PAGE>

                           Prior Agreements Superseded

17.05 This  agreement  constitutes  the sole and only  agreement  of the parties
hereto and supersedes  any prior  understandings  or written or oral  agreements
between the parties respecting the within subject matter.

                                    Amendment

17.06 No  amendment,  modification,  or  alteration of the terms hereof shall be
binding unless the same be in writing,  dated  subsequent to the date hereof and
duly executed by the parties hereto.

                         Rights and Remedies Cumulative

17.07 The rights and remedies  provided by this lease  agreement are  cumulative
and the use of any one right or remedy by either  party  shall not  preclude  or
waive its right to use any or all other  remedies.  Said rights and remedies are
given in  addition to any other  rights the  parties  may have by law,  statute,
ordinance, or otherwise.

                                Waiver of Default

17.08 No waiver by the  parties  hereto  of any  default  or breach of any term,
condition, or covenant of this lease shall be deemed to be a waiver of any other
breach of the same or any other term, condition, or covenant contained herein.

                                  Force Majeure

17.09  Neither  Lessor  nor  Lessee  shall be  required  to  perform  any  term,
condition,  or covenant in this lease so long as such  performance is delayed or
prevented by force  majeure,  which shall mean acts of God,  strikes,  lockouts,
material  or labor  restrictions  by any  governmental  authority,  civil  riot,
floods,  and any other cause not reasonably  within the control of the Lessor or
Lessee and which by the  exercise of due  diligence  Lessor or Lessee is unable,
wholly or in part, to prevent or overcome.

                                 Time of Essence

17.10 Time is essence of the agreement.

17.11 Mechanics and Other Liens. Except as hereinafter provided, Lessor reserves
the fee in the Leased  Premises and  specifically  does not consent by virtue of
this  Lease  that such fee or the  remainder  interest  of Lessor in the  Leased
Premises or any  improvements  thereon shall be subject to any lien for labor or
materials  furnished to Lessee in the repair or  improvement  of such  property.
While the parties intend hereby; that the interest of Lessor hereunder cannot be
subjected to any lien on account of Lessee's use of, or actions with respect to,
the Leased  Premises  and that any future  modifications  of law to the contrary
would constitute an impairment of vested rights hereunder,  nevertheless, should
a court of  competent  jurisdiction  hold or should a valid  statute  be enacted
whereby  any  interest  of Lessor in the  Leased  Premises  or any  improvements
thereon at any time hereafter  shall be subjected to any such lien,  then Lessee
shall,  within thirty (30) days after written  notice to Lessee of the existence
and  perfection  of such lien,  cause such lien to be bonded or  discharged  and
otherwise shall save Lessor harmless on account thereof; provided, however, that
if Lessee  desires in good faith to contest the validity or  correctness  of any
such lien, it may do so and Lessor shall  cooperate to whatever  extent shall be
necessary,  provided only that Lessee must  indemnify  Lessor  against any loss,
liability, damage or expense on account thereof.

                                       12
<PAGE>

17.12 Subordination.

     (a)  This Lease and all rights of Lessee hereunder are and shall be subject
          and subordinate to the lien of any and all mortgages,  or consolidated
          mortgages,  which may now or hereafter affect the Leased Premises,  or
          any  part  thereof,  and  to  any  and  all  renewals,  modifications,
          consolidations,  replacements  and  extensions of any such  mortgages.
          Such subordination is effective without any further act of Lessee.

     (b)  Lessee shall upon demand at any time or times execute, acknowledge and
          deliver to Lessor,  without expense to Lessor, any and all instruments
          that may be  necessary  or proper to  subordinate  this  Lease and all
          rights  hereunder to the lien of any such  mortgage or  mortgages  and
          each  such  renewal,  modification,   consolidation,  replacement  and
          extension. Lessee agrees to furnish Lessor or Lessor's mortgagees upon
          demand with estoppel certificates indicating that the Lease is in full
          force and effect, that no defaults are then existing  thereunder,  the
          date to which  rental is paid under the Lease,  the amount of security
          deposits and prepaid  rentals,  if any, and such other  information as
          Lessor or its lender may reasonably request.  Lessee further agrees to
          execute  such  attainment  agreements  as the  mortgagee or lender may
          request. If Lessee shall fail at any time to execute,  acknowledge and
          deliver any such subordination  instrument,  estoppel certificate,  or
          attainment  agreement,  Lessor,  in  addition  to any  other  remedies
          available to it in consequence thereof,  may execute,  acknowledge and
          deliver  the same as the  attorney-in-fact  of Lessee and in  Lessee's
          name,   place  and  stead,  and  Lessor  hereby   irrevocably   makes,
          constitutes  and appoints  Lessor,  its successors  and assigns,  such
          attorney-in-fact for that purpose.

17.13  Modification of Lease.  This Lease contains the entire agreement  between
the  parties  and shall not be  amended or  modified  in any  manner,  except by
written instrument executed by the parties hereto or their respective successors
in interest.  Any waiver or consent granted hereunder shall be effective only in
the specific instance and for the purpose for which given.

17.14 No Waiver of Rights.  Neither any failure nor any delay on the part of any
party  exercising  any right,  power or privilege  hereunder  shall operate as a
waiver  thereof,  nor shall a single or partial  exercise  thereof  preclude any
other  or  further  exercise  or the  exercise  of any  other  right,  power  or
privilege.

17.15  Memorandum  of Lease.  This Lease shall not be  recorded,  except that if
either  party  requests  the other party to do so, the parties  shall  execute a
memorandum of lease in form and manner sufficient to enable it to be recorded in
the  governmental  office in which there would be recorded a deed  covering  the
Leased  Premises in  accordance  with the law of the  jurisdiction  in which the
Leased Premises are located.

17.16 Legal Expenses. In the event of the bringing of any action by either party
hereto against the other hereon or hereunder,  or by reason of the breach of any
term,  covenant or condition  on the part of the other party,  or arising out of
this Lease,  the party in whose favor final  judgment  shall be entered shall be
entitled to have and recover from the other party reasonable  attorney's fees to
be fixed by the court which shall have rendered such judgment.

17.17  Successors.  The terms,  covenants and conditions  herein contained shall
inure to the benefit of the heirs,  administrators,  executors,  successors  and
assigns of each of the parties hereto.

17.18 Common  Access and Parking  Easements.  The Lessor  hereby  reserves  unto
itself,  its  successors  and  assigns,  an  easement  of ingress and egress for
pedestrian and vehicular traffic in, to, over, across and through the driveways,
entrances,  exits and  parking  areas  situated on the Leased  Premises.  Lessee
hereby  agrees  that it will keep in good  repair  during the term of the Lease,
free  from  rubbish,  obstacles,  barricades  and  other  obstructions  all such
driveways,  entrances,  exits and parking areas located on the Leased  Premises.
Lessor and Lessee otherwise hereby acknowledge and agree that during the term of
this Lease,  all entrances  and exits,  driveways and parking areas from time to
time located within the entire  property owned by Lessor,  may be used in common
by Lessor  and  Lessee  and their  respective  patrons,  guests,  licensees  and
invitees.

17.19 Sign Reservation. This Lease and the interests in the Premises transferred
hereby is subject to the  reservation by Lessor of an easement for signage,  the
location of which will be mutually  agreed to by both parties.  In the placement
and location of its signage  advertising its business,  Lessor covenants that it
will not  obstruct  vehicular  circulation  nor will the  placement  of  signage
obstruct, interfere or block the signage of Lessee. The parties agree to execute
such  additional  documentation  as may reasonably be required in furtherance of
this Section 11.11. Lessee can place signs on Hwy 101 and on building.

                                       13
<PAGE>

17.20  Parking.  Lessor  shall not alter the  common  area in any way that would
reduce  the number of parking  spaces at the  Leased  Premises  to less than the
currently existing number of parking spaces.

     IN WITNESS WHEREOF,  the undersigned  Lessor and Lessee hereto execute this
agreement as of the day and year first above written.

     LESSEE:                                    LESSOR:
     NGE Leasing Inc.                           Wise Commercial Properties
     2911 South County Road 1260                Robert E. Moody Sr.
     Midland, Texas 79706                       General Partner
     Attn:  Scott Sparkman                      Robert E. Moody Jr.
                                                    General Partner

     By:                                        By:
        --------------------                       --------------------
     Name:                                      Name:
          ------------------                         ------------------
     Title:                                     Title:
           -----------------                          -----------------

                                                Name:
                                                     ------------------
                                                Title:
                                                      -----------------

                                       14
<PAGE>

                                    EXHIBIT A
                              Property Description

       [please provide a complete legal description of the property]EXHIBIT 10.14

                           CHANGE OF CONTROL AGREEMENT

     THIS AGREEMENT, made as of the 17th day of April, 2003, by and between
CHEROKEE BANK, N.A. (hereinafter referred to as "Bank") and JOHN S. MOREAU
(hereinafter referred to as "Employee"), establishes a severance arrangement
between the parties in the event of a change of control of Bank.

                                   WITNESSETH:

     WHEREAS, Employee is currently serving as the Senior Lending Officer of
Cherokee Bank, N.A. and

     WHEREAS, Bank desires that Employee continue to serve as the Senior Lending
Officer of the Bank by providing Employee a measure of security; and

     WHEREAS, Bank wants to continue to have the benefits of Employee's full
time and attention to the affairs of the Bank without diversion due to concerns
about a possible change of control;

     NOW, THEREFORE, in consideration of ONE DOLLAR and other good and valuable
consideration, receipt of which is hereby acknowledged, Bank and Employee agree
as follows:

     1.   PAYMENT OF SEVERANCE AMOUNT. If the Employee's employment by the Bank
          or any subsidiary or successor of the Bank shall be subject to an
          Involuntary Termination within the Covered Period, then the Bank shall
          pay to the Employee an amount equal to the Severance Amount, payable
          within 15 days after the Termination Date. In addition, Employee will
          immediately be entitled to payment of the Severance Amount and the
          other benefits hereunder if, following a Change of Control, any
          successor to Bank refuses to acknowledge and accept the obligations of
          Bank hereunder either directly or by operation of law. If for any
          reason or no reason, the Bank takes the position that some or all of
          the benefits provided hereunder are not due and owing to Employee or
          that it will not pay Employee any or all of the benefits provided
          hereunder, Employee may, at his discretion, submit the resolution of
          such dispute to arbitration as provided in Paragraph 5 below by
          notifying Bank in writing of his intent to do so.

     2.   DEFINITIONS. All the terms defined in this Paragraph 2 shall have the
          meanings given below throughout this Agreement.

                                                                    Page 1 of 12
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          (a)  An "AFFILIATE" shall mean any entity, which owns or controls, is
               owned by or is under common ownership or control with, the Bank.

          (b)  "BASE ANNUAL SALARY" shall, as determined on the Termination
               Date, be equal to the greater of:

               i.   the Employee's annual salary excluding bonuses and special
                    incentive payments on the date of the earliest Change of
                    Control to occur during the Covered Period; or
               ii.  the Employee's annual salary excluding bonuses and special
                    incentive payments on the Termination Date.

          (c)  "CHANGE IN DUTIES" shall mean any one or more of the following:

               i.   a significant change in the nature or scope of the
                    Employee's authorities or duties from those applicable to
                    him immediately prior to the date on which a Change of
                    Control occurs;
               ii.  a reduction in the Employee's Base Annual Salary from that
                    provided to him immediately prior to the date on which a
                    Change of Control occurs;
               iii. any diminution in the Employee's eligibility to participate
                    or level of participation in bonus, stock option, incentive
                    award and other compensation plans which provide
                    opportunities to receive compensation, from the greater of:

                    -    the opportunities provided by the Bank (including its
                         subsidiaries) for executives with comparable duties: or
                    -    the opportunities under any such plans under which he
                         was participating immediately prior to the date on
                         which a Change of Control occurs;
               iv.  a diminution in employee benefits (including but not limited
                    to medical, dental, life insurance and long-term disability
                    plans) and perquisites applicable to Employee, from the
                    greater of:

                    -    the employee benefits and perquisites provided by the
                         Bank (including its subsidiaries) to executives with
                         comparable duties; or

                                                                    Page 2 of 12
<PAGE>
                    -    the employee benefits and perquisites to which he was
                         entitled immediately prior to the date on which a
                         Change in Control occurs;
               v.   a change in the location of the Employee's principal place
                    of employment by the Bank (including its subsidiaries) by
                    more than 50 miles from the location where he was
                    principally employed immediately prior to the date on which
                    a Change of Control occurs to which Employee has not agreed;
               vi.  any reduction in the Employee's title with Bank;
               vii. if Employee, because of any change in circumstances
                    resulting from a Change of Control, is adversely affected
                    with respect to his ability to exercise the authorities,
                    powers, functions or duties attached to his position
                    immediately prior to the date on which a Change of Control
                    occurs.

          (d)  A "CHANGE OF CONTROL" shall be deemed to have occurred if:

               i.   any "person," including a "group" as determined in
                    accordance with section 13 (d) (3) of the Securities
                    Exchange Act of 1934 (the "Exchange Act") (other than the
                    Bank, any subsidiary of the Bank, or any employee benefit
                    plan, as defined in ERISA, of any of the foregoing) is or
                    becomes the beneficial owner, directly or indirectly, of
                    securities of the Bank representing 25% or more of the
                    combined voting power of the Bank's then outstanding
                    securities;
               ii.  as a result of, or in connection with, any tender offer or
                    exchange offer, merger or other business combination, sale
                    of assets or contested election, or any combination of the
                    foregoing transactions (a "Transaction"), the persons who
                    were directors of the Bank before the Transaction shall
                    cease to constitute a majority of the Board of Directors of
                    the Bank or any successor to the Bank;
               iii. the Bank is merged or consolidated with another corporation
                    and as a result of the merger or consolidation less than 75%
                    of the outstanding voting securities of the surviving or
                    resulting corporation shall then be owned in the aggregate
                    by the former shareholders of the Bank, other than (x)
                    affiliates within the meaning of the Exchange Act or (y) any
                    party to the merger or consolidation;
               iv.  a tender offer or exchange offer is made and consummated for
                    the ownership of securities of the

                                                                    Page 3 of 12
<PAGE>
                    Bank representing 50% or more of the combined voting power
                    of the Bank's then outstanding voting securities; or
               v.   the Bank transfers substantially all of its assets to
                    another corporation, which is not a wholly owned subsidiary
                    of Bank.

          (e)  "COVERED PERIOD" for the Employee shall mean one year following
               the occurrence of any Change of Control, including a Change of
               Control following another/other Change(s) of Control.

          (f)  "INVOLUNTARY TERMINATION" shall mean any termination which:

               i.   does not result from a resignation by the Employee (other
                    than a resignation pursuant to clause (ii) of this
                    subparagraph (f)); or
               ii.  results from a resignation following any Change in Duties;
                    provided, however, the term "Involuntary Termination" shall
                    not include:

                         -    a Termination for Cause, or

                         -    any termination as a result of death, disability,
                              or normal retirement pursuant to a retirement plan
                              to which the Employee was subject prior to any
                              Change in Control.

          (g)  "SEVERANCE AMOUNT" is equal to one hundred percent (100%) of the
               Employee's Base Annual Salary, plus an amount equal to the
               average of the annual amounts Employee was awarded during the
               preceding three years under the Bank's Senior Management
               Incentive Compensation Plan.

          (h)  "TERMINATION FOR CAUSE" shall mean only a termination as a result
               of fraud, gross negligence, gross dereliction of duties,
               misappropriation of or intentional material damage to the
               property or business of the Bank (including its subsidiaries), or
               a commission of a felony by the Employee. In the event that the
               Bank takes the position that there is a Termination for Cause,
               the Bank shall so notify the Employee in writing at the
               Termination Date and Employee may, at his discretion, submit the
               determination of such matter to arbitration by notification to
               Bank that he elects his rights pursuant to Paragraph 5 below
               within thirty (30) days after the receipt of such notification.

                                                                    Page 4 of 12
<PAGE>
          (i)  "VOTING SECURITIES" shall mean any securities, which ordinarily
               possess the power to vote in the election of directors without
               the happening of any pre-condition or contingency.

     3.   OTHER EMPLOYEE BENEFITS.  If the Employee's employment by the Bank or
          ------------------------
          any subsidiary or successor of the Bank shall be subject to an
          Involuntary Termination within the Covered Period, then the following
          provisions shall also apply:

          (a)  MEDICAL DENTAL, LIFE INSURANCE AND LONG-TERM DISABILITY BENEFITS.
               To the extent that the Employee or any of the Employee's
               dependents may be covered under the terms of any medical, dental,
               life insurance or long-term disability plans of the Bank (or any
               subsidiary) for active employees immediately prior to the
               termination, the Bank will provide the Employee and those
               dependents with equivalent coverages for twenty-four (24) months
               from the termination. The coverages may be procured directly by
               the Bank (or any subsidiary, if appropriate) apart from, and
               outside of the terms of the plans themselves; provided that the
               Employee and the Employee's dependents comply with all of the
               conditions of the medical, dental, life insurance or long-term
               disability plans. In consideration for these benefits, the
               Employee must make contributions equal to those required from
               time to time from Executive Officers of Bank (or its
               subsidiaries) for equivalent coverages under the medical, dental,
               life insurance, or long-term disability plans. Bank shall not be
               entitled to amend or modify the benefits for Employee or any of
               his dependents or any of the terms or conditions thereof without
               the prior written consent of Employee. The foregoing health
               benefits are not intended to be a substitute for any benefits
               required under COBRA. Notwithstanding the foregoing, Employee's
               rights to the foregoing benefits shall terminate as to any
               benefit on substantially similar terms, without limitations or
               exclusions for pre-existing conditions or similar limitations,
               through a program of a subsequent employer.

          (b)  PROFIT-SHARING PLANS. An amount equal to the amount of the
               Employee's account balance which is not vested under any
               profit-sharing plans (including, without limitation, plans with
               401(k) arrangements) maintained by Bank immediately prior to the
               termination of Employee shall be paid by Bank to Employee within
               15 days after the Termination Date. Such amount shall be repaid
               by Employee to Bank, without interest, in the event

                                                                    Page 5 of 12
<PAGE>
               that the profit-sharing plan(s) is/are terminated and Employee
               receives distribution of his fully vested account from a
               terminated plan. In addition, at each of the two consecutive plan
               year ends the first of which coincides with or next follows the
               Termination Date, Bank shall pay to Employee (within 15 days
               after the end of the plan year) the amounts which employee would
               have been allocated under the profit-sharing plans from
               contributions (including, without limitation, matching
               contributions under any 401(k) plan or arrangement) made by the
               Bank for such plan years had Employee not been terminated, had he
               continued to earn the Base Annual Salary, and had he elected to
               make employee deferrals to any 401(k) plan at the level such
               deferrals were made by Employee immediately prior to his
               termination. In addition, if the Employee has, or should have, an
               Excess Benefit Account under the Supplemental Executive
               Retirement Program or similar account under any other deferred
               compensation plan which is designed to supplement the Bank's 401
               (k) plan, the entire account, including any nonvested portion,
               shall be paid by Bank to Employee within 15 days after the
               Termination Date. If, at the two consecutive plan year ends of
               the Excess Plan (or other deferred compensation plan, as
               applicable) the first of which coincides with or next follows the
               Termination Date, Employee's Excess Benefit Account, or similar
               account under any other deferred compensation plan would have
               been credited with amounts (based on Employee's Base Salary
               Amount and employee deferrals to any 401 (k) and other deferred
               compensation plans at the level such deferrals were made by
               Employee immediately prior to his termination) if Employee had
               not been terminated, then Bank shall pay to Employee said amounts
               within 15 days after the end of each respective plan year. The
               Excess Plan shall be deemed amended to reflect the above
               provisions as applicable to Employee and the provisions shall
               also apply to any deferred compensation plan, which is
               subsequently adopted by Bank under which Employee participates.

          (c)  STOCK PLANS. Employee shall receive full vesting and all
               restrictions against Employee shall lapse with respect to and
               under any stock plans maintained by Bank immediately prior to the
               Termination Date. Employee shall have six months following the
               Termination Date in which to exercise the rights granted below.
               The six-month exercise period shall apply notwithstanding any
               shorter exercise period, which may be provided for under the
               stock option agreement in the case of Employee's termination of
               employment. To the extent that the

                                                                    Page 6 of 12
<PAGE>
               provision set forth in the previous sentence conflicts with
               Employee's stock option agreement, the stock option agreement is
               deemed amended and the provision in the previous sentence shall
               control. Provided, however, the exercise period shall in no event
               be extended beyond the date on which the option would expire
               under the stock option agreement if Employee had not been
               Terminated. During the six-month period (or shorter period if the
               options would expire within such shorter period under the stock
               option agreement if Employee had not been terminated) following
               the Termination Date, the Employee shall be entitled to elect one
               (but not more than one) of the following alternatives:

                         1)   To exercise any stock options not exercised prior
                              to the Termination Date;
                         2)   To make a written demand for payment by Bank of an
                              amount equal to the difference between the value
                              of the stock which is subject to the options and
                              the exercise price for the stock subject to said
                              options. For this purpose, the "value" of the
                              stock subject to the options shall be the greater
                              of (i) the fair market value of the stock on the
                              date Employee demands payment hereunder, or (ii)
                              the highest fair market value of the stock on the
                              date any Change of Control occurred, or (iii) the
                              highest consideration (whether in cash or in kind)
                              paid in connection with any Change of Control
                              event to any shareholder of Bank for such
                              shareholder's shares of stock in Bank by the
                              "person" or "group," as determined in accordance
                              with Section 13(d) (3) of the Exchange Act, which
                              attained control pursuant to said Change of
                              Control event, Bank shall make payment of the
                              appropriate amount, as determined above, within 15
                              days after Employee makes the written demand.

          (d)  MISCELLANEOUS BENEFITS. Employee may continue using any
               Bank-owned automobile and any Bank-provided country club
               privileges through the end of the month in which the Termination
               date occurs.

                                                                    Page 7 of 12
<PAGE>
          (e)  OTHER EMPLOYEE BENEFITS. The benefits hereunder shall not be
               affected by or reduced because of any other benefits (including,
               but not limited to, a severance pay plan which is independent of
               a Change of Control) to which Employee may be entitled by reason
               of his continuing employment with Bank or the termination of his
               employment with Bank, and no other such benefit by reason of such
               employment shall be affected or reduced because of the benefits
               bestowed by this Agreement; provided, however, that the foregoing
               will not be interpreted to require duplicative medical benefits.

     4.   GOLDEN PARACHUTE PAYMENT. It is the intention of the parties that the
          -------------------------
          Severance Amount payments and other payments under this Agreement are
          reasonable compensation for Employee's service to Bank and its
          subsidiaries and shall not constitute "excess parachute payments"
          within the meaning of section 280G of the Internal Revenue Code of
          1986, as amended, and any regulations thereunder. If the independent
          accountants active as auditors for the Bank on the date of a Change of
          Control (or another accounting firm designated by them) determine that
          the Severance Amount payments or other payments under this Agreement
          constitute "excess parachute payments" (without taking into account
          any amounts in excess of 299 percent (299%) of the "base amount," as
          defined in Section 280G(b) (3) which might otherwise be "reasonable
          compensation" within the meaning of section 280G (b) (4)), then the
          payments under this Agreement shall, in lieu of the payments otherwise
          due, be increased to the sum of (a) the base amount, as defined in
          Section 280G (b) (3) plus (b) an amount equal to the quotient of (i)
          the "excess parachute payment," as defined in Section 280G (b),
          divided by (ii) one (1) minus the rate of tax (expressed as a decimal)
          imposed under Code Section 4999. The purpose of the preceding sentence
          is that payments hereunder are "grossed up" so that Employee will
          receive all amounts due under this Agreement without diminution by
          reason of taxes imposed under Section 4999.

     5.   ARBITRATION AND LITIGATION.
          ---------------------------

          (a)  Arbitration is not required of Employee to resolve any dispute
               with Bank hereunder, but is merely an alternative to resolve the
               dispute available to Employee if he elects to use it. Bank shall
               have no right to avail itself of arbitration unless Employee
               agrees to arbitration. All arbitrations pursuant to this
               Agreement

                                                                    Page 8 of 12
<PAGE>
               shall be determined in accordance with the rules of the American
               Arbitration Association then in effect, by a single arbitrator if
               the parties shall agree upon one, or by three arbitrators, one
               appointed by each party, and a third arbitrator appointed by the
               two arbitrators selected by the parties, all arbitrators from a
               panel proposed by the American Arbitration Association. If any
               party shall fail to appoint an arbitrator within thirty (30) days
               after it is notified to do so, then the arbitration shall be
               accomplished by a single arbitrator. Unless otherwise agreed by
               the parties hereto, all arbitration proceedings shall be held in
               Canton, Georgia. Each party agrees to comply with any award
               rendered in such proceeding. The decision of the arbitrator (s)
               shall be tendered within sixty (60) days after final submission
               of the parties in writing or any hearing before the arbitrators
               and shall include their individual votes. If Employee is entitled
               to any award pursuant to the determination reached in the
               arbitration proceeding, he shall be entitled to payment by Bank
               of all attorney's fees, costs and other out-of-pocket expenses
               incurred in connection with arbitration.

          (b)  In the event that any dispute hereunder is resolved through
               litigation, and Employee's position in such litigation is
               sustained to any extent by the court, then Bank agrees that it
               shall pay all of Employee's attorney's fees, court costs and
               other out-of-pocket expenses relating to litigation.

     6.   NOTICES.  Notices and all other communications under this Agreement
          -------
          shall be in writing and shall be deemed given when personally
          delivered or mailed by United States registered or certified mail,
          return receipt requested, postage prepaid, address as follows:

               If to the Bank to:
               Cherokee Bank, N.A.
               P O Box 4250
               Canton, GA  30114

               If to the Employee to:
               John S. Moreau
               1124 BridgeMill Avenue
               Canton, GA  30114

                                                                    Page 9 of 12
<PAGE>
          or to such other address as either party may furnish to the other in
          writing, except that notice of changes of address shall be effective
          only upon receipt.

     7.   APPLICABLE LAW.  This contract is entered into under, and shall be
          ---------------
          governed for all purposes by, the laws of the State of Georgia.

     8.   SEVERABILITY.  If a court of competent jurisdiction determines that
          -------------
          any provision of this Agreement is invalid or unenforceable, then the
          invalidity or unenforceability of that provision shall not affect the
          validity or enforceability of any other provision of this Agreement
          and all other provisions shall remain in full force and effect.

     9.   WITHHOLDING OF TAXES; SET-OFF.  Bank may withhold from any benefits
          ------------------------------
          payable under this agreement all federal, state, city and other taxes
          as may be required pursuant to any law, governmental regulation or
          ruling. The right of Employee to receive benefits under this
          Agreement, however, shall be absolute and shall not be subject to any
          set-off, counterclaim, recoupment, defense, duty to mitigate, or other
          rights Bank may have against him or anyone else.

     10.  NOT AN EMPLOYMENT AGREEMENT; SUBSEQUENT EMPLOYMENT. Nothing in this
          ---------------------------------------------------
          Agreement shall give the Employee any rights (or impose any
          obligations) to continued employment by the Bank or any subsidiary or
          successor of the Bank, nor shall it give the Bank any rights (or
          impose any obligations) for the continued performance of duties by the
          Employee for the Bank or any subsidiary or successor of the Bank.
          Employee's right to receive benefits under this Agreement shall not be
          reduced by Employee's employment with any other employer after
          terminating employment with the Bank. Any compensation for services
          rendered or consulting fees earned after the date of termination shall
          not diminish Employee's right to receive all amounts due hereunder.
     11.  NO ASSIGNMENT.  The Employee's right to receive payments or benefits
          --------------
          under this Agreement shall not be assignable or transferable, whether
          by pledge, creation of a security interest or otherwise, other than a
          transfer by will or by the laws of descent and distribution. In the
          event of any attempted assignment or transfer contrary to this
          paragraph the Bank shall have no liability to

                                                                   Page 10 of 12
<PAGE>
          pay any amount so attempted to be assigned or transferred. This
          Agreement will inure to the benefit of and be enforceable by the
          Employee's personal or legal representatives, executors,
          administrators, successors, heirs, distributees, devisees and
          legatees.

     12.  SUCCESSORS.  This Agreement shall be binding upon and inure to the
          -----------
          benefit of the Bank, its successors and assigns (including, without
          limitation, any Bank into or with which the Bank may merge or
          consolidate). The Bank agrees that it will not effect the sale or
          other disposition of all or substantially all of its assets under
          either (i) the person or entity acquiring the assets or a substantial
          portion of the assets shall express assume by an instrument in writing
          all duties and obligations of the Bank under this Agreement or (ii)
          the Bank shall provide, through the establishment of a separate
          reserve for the payment in full of all amounts which are or may
          reasonably be expected to become payable to the Employee under this
          Agreement.

     13.  EMPLOYEE'S INDEMNITY.  Employee shall be entitled to the indemnity
          ---------------------
          provided to officers of Bank immediately prior to the Change of
          Control. Any changes to Bank's bylaws or otherwise which reduce any
          indemnity granted to officers shall not affect the rights granted
          hereunder. Bank shall not reduce any of Employee's indemnity benefits
          without the prior written consent of the Employee. Any references to
          Georgia law in the bylaws of Bank or other documents granting
          indemnity to Employee shall be deemed to be references as of the date
          of this Agreement, and any amendments to Georgia law, including a
          revocation thereof, shall not reduce the indemnity benefits granted
          hereunder.

     14.  COST OF ENFORCEMENT; INTEREST.  Subject to the provisions of Paragraph
          ------------------------------
          5 above, in the event the Employee collects any part of the Severance
          Amount or other benefits hereunder or otherwise enforces the terms of
          this Agreement through a lawyer or lawyers, Bank will pay all costs of
          such collection or enforcement, including reasonable legal fees
          incurred by the Employee. In addition, Bank shall pay to Employee
          interest on all or any part of the Severance Amount or other benefits
          hereunder that is not paid when due at a rate equal to the Prime Rate
          as announced by the _____________________ or its successors from time
          to time.

                                                                   Page 11 of 12
<PAGE>
     15.  TERM.  This agreement shall be effective as of the date first above
          -----
          written and shall remain in effect for a period of three years.
          Notwithstanding anything herein to the contrary, in the event of a
          Change of Control during the initial, or any subsequent, term of this
          Agreement, this Agreement shall remain in effect until the later of
          (a) the end of the term of the agreement or (b) the day after the last
          day in the Covered Period. This Agreement, unless terminated as
          provided below, shall be automatically renewed to add an additional
          year after each year expires, so that the term is always three years,
          without further action by the Employee or the Bank. This Agreement can
          be terminated only by either party giving the other notice on or
          before June 30 of the year of termination. If the agreement is
          terminated under the preceding sentence, the term shall continue for
          two years after the end of the year in which the notice of termination
          was given. If notice of termination is given after June 30 of a year,
          then the term of the Agreement shall continue for three years after
          the end of the year in which the notice of termination was given.

     IN WITNESS WHEREOF, the parties have caused this agreement to be executed
     and delivered as of the day and year first above written.

     CHEROKEE BANK, N.A.

     By:  /s/ Donald F. Stevens
          ---------------------
     Its: Chairman

     By:  /s/ Dennis W. Burnette
          ----------------------
     Its: President and CEO

     EMPLOYEE:

     /s/ John S. Moreau
     ------------------
     JOHN S. MOREAU

                                                                   Page 12 of 12
<PAGE>

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