Document:

<PAGE>
                                                                   EXHIBIT 10.41

                       NINTH AMENDMENT, WAIVER AND CONSENT

          NINTH AMENDMENT, WAIVER AND CONSENT (this "Amendment"), dated as of
March __, 2003, among CERES GROUP, Inc., a Delaware corporation (the
"Borrower"), the lending institutions party to the Credit Agreement referred to
below (each a "Bank" and, collectively, the "Banks"), and JPMORGAN CHASE BANK,
as Administrative Agent (the "Administrative Agent"). All capitalized terms used
herein and not otherwise defined herein shall have the respective meanings
provided such terms in the Credit Agreement referred to below.

                              W I T N E S S E T H :
                               - - - - - - - - - -

          WHEREAS, the Borrower, the Banks and the Administrative Agent are
party to a Credit Agreement, dated as of February 17, 1999 (as amended, modified
and supplemented prior to the date hereof, the "Credit Agreement");

          WHEREAS, the Borrower and its indirect Wholly-Owned Subsidiary,
Continental General Insurance Company, a Nebraska insurance company
("Continental"), have decided to sell 100% of the capital stock of the Pyramid
Life Insurance Company, a Kansas stock insurance company ("Pyramid") and a
direct Wholly-Owned Subsidiary of Continental (the "Pyramid Sale");

          WHEREAS, to effectuate the Pyramid Sale, Continental, the Borrower,
Pennsylvania Life Insurance Company, a Pennsylvania insurance company and a
Wholly-Owned Subsidiary of American Exchange Life Insurance Company, a Texas
corporation ("American Exchange"), and Universal American Financial Corp. have
heretofore entered into a Purchase Agreement, dated as of December 20, 2002 (the
"Pyramid Purchase Agreement");

          WHEREAS, the Borrower has requested that the Banks consent to the
Pyramid Sale as provided herein;

          WHEREAS, the Borrower has also requested certain other amendments and
waivers to the Credit Agreement as provided herein; and

          WHEREAS, subject to the terms and conditions of this Amendment, the
Banks hereby agree to grant the consents, amendments and waivers under the
Credit Agreement as herein provided;

          NOW, THEREFORE, it is agreed:

          1. The Banks hereby waive any Default or Event of Default that may
have arisen solely as a result of the Borrower's failure to comply with (a)
Section 7.12 of the Credit Agreement solely to the extent such Default or Event
of Default was caused by the failure of Continental to comply with the minimum
Risk-Based Capital Ratio set forth in such Section 7.12 of the Credit Agreement
during the period commencing on December 31, 2002 and ending on the Ninth
Amendment Effective Date and (b) Section 7.17 of the Credit Agreement for the
Test
<PAGE>

Period ended on December 31, 2002, solely to the extent such Default or Event of
Default would not have occurred had the Borrower been permitted to exclude the
amount of intercompany tax sharing payments made during such Test Period in
calculating Borrower Cash Flow for such Test Period.

          2. Notwithstanding anything to the contrary contained in the Credit
Agreement, the Banks hereby consent to the Pyramid Sale on the terms and
conditions substantially the same as those set forth in the Pyramid Purchase
Agreement, so long as (i) no Default or Event of Default exists at the time of
consummation of such sale or would result therefrom, (ii) such sale shall be for
an amount at least equal to the fair market value thereof (as determined in good
faith by senior management of the Borrower), (iii) the total consideration
received therefrom by Continental is 100% cash and is paid at the time of
closing of such sale, (iv) the aggregate sale proceeds therefrom shall be at
least $56,000,000, subject to an adjustment equal to the change (if any) in the
aggregate statutory capital and surplus of Pyramid as of the closing of such
sale as compared to the aggregate statutory capital and surplus of Pyramid at
June 30, 2002, each as determined in accordance with the accounting practices
prescribed or permitted by the State of Kansas (the "Pyramid Sale Price"), (v)
upon receipt by Continental of such sale proceeds, Dividends in an amount equal
to at least $10,000,000 are paid in cash by Continental to Continental General
Corporation ("Continental Corporation"), (vi) upon receipt by Continental
Corporation of such Dividends, further Dividends in an amount equal to at least
$10,000,000 are paid in cash by Continental Corporation to the Borrower and are
applied upon receipt thereof as a mandatory repayment of principal of
outstanding (x) A-1 Term Loans in an amount equal to no less than $6,300,000 and
(y) A-2 Term Loans in an amount equal to no less than $3,600,000, and (vii) any
material amendments and/or modifications to the Pyramid Purchase Agreement after
the Ninth Amendment Effective Date are reasonably satisfactory to the
Administrative Agent.

          3. Section 3.02(i)(a)(x) of the Credit Agreement is hereby amended by
deleting the table appearing therein in its entirety and inserting the following
new table in lieu thereof:

          "Scheduled Repayment Date             Amount
          -------------------------             ------

          May 17, 2003                      $  547,368.78

          August 17, 2003                   $  547,368.78

          November 17, 2003                 $  547,368.77

          February 17, 2004                 $  508,509.34

          May 17, 2004                      $  508,509.34

          August 17, 2004                   $  508,509.33

          November 17, 2004                 $  508,509.33

          February 17, 2005                 $5,039,574.49"

          4. Section 3.02(i)(a)(y)(ii) of the Credit Agreement is hereby amended
by deleting the table appearing therein and inserting the following new table in
lieu thereof:

<PAGE>

          "A-2 Term Loan Scheduled
               Repayment Date              Amount
          ------------------------         ------
          June 17, 2003                    $222,631.23

          September 17, 2003               $222,631.22

          December 17, 2003                $222,631.22

          March 17, 2004                   $215,992.06

          June 17, 2004                    $412,490.20

          September 17, 2004               $412,490.20

          December 17, 2004                $412,490.20

          March 17, 2005                   $434,231.27

          June 17, 2005                    $820,398.08

          September 17, 2005               $820,398.08

          December 17, 2005                $820,398.08"

          5. Section 3.02(i) of the Credit Agreement is hereby further amended
by inserting the following new sub-clause (g) immediately after sub-clause (f)
appearing therein:

          "(g) In addition to any of the mandatory repayments pursuant to this
               Section 3.02(i), in the event that (i) the aggregate sale
               proceeds from the Pyramid Sale are greater than $56,000,000, (ii)
               Continental has Dividends available for distribution as of
               December 31, 2003 and (iii) Continental has obtained from the
               Nebraska Department of Insurance (the "Nebraska Department")
               approval to distribute Dividends to Continental Corporation, upon
               the receipt of such approval (A) Continental shall pay Dividends
               in cash to Continental Corporation in an the amount equal to the
               excess of the aggregate sale proceeds from the Pyramid Sale over
               $56,000,000 (or, if less, in the amount permitted by the Nebraska
               Department), (B) upon the receipt thereof, Continental
               Corporation shall pay Dividends in cash to the Borrower in an
               amount equal to no less than the amount of Dividends received
               from Continental pursuant to clause (A) above and (C) upon
               receipt thereof, the Borrower shall apply such amount received
               from Continental Corporation pursuant to clause (B) above as a
               mandatory repayment of principal of outstanding Term Loans.
               Notwithstanding anything to the contrary contained in Section
               3.02(ii)(b), all mandatory repayments of principal made pursuant
               to this Section 3.02(i)(g) shall be applied to the A-1 Term Loans
               and A-2 Term Loans on a pro rata basis (based upon the then
               outstanding principal amount of A-1 Term Loans and A-2 Term
               Loans)."

<PAGE>

          6. Section 3.02(ii)(a) of the Credit Agreement is hereby amended by
deleting the text "Section 3.02(i)(b)" appearing therein and inserting the new
text "Sections 3.02(i)(b) and 3.02(i)(g)" in lieu thereof.

          7. Section 6 of the Credit Agreement is hereby amended by inserting
the following new Section 6.15 at the end of said Section:

          "Section 6.15 Payment of Dividends by Continental. In the event that
     Continental has Dividends available for distribution as of December 31,
     2003, the Borrower will, and will cause Continental, to promptly request
     approval from the Nebraska Department to pay Dividends in cash in an amount
     equal to the excess of the aggregate sale proceeds from the Pyramid Sale
     over $56,000,000."

          8. Section 9 of the Credit Agreement is hereby amended by (x) deleting
the definition of "Applicable Percentage" appearing therein and (y) inserting
therein the following new definitions in the appropriate alphabetical order:

          "Applicable Percentage" shall mean (a) with respect to Base Rate
     Loans, 3.00% and (ii) with respect to Eurodollar Loans, 4.00%, "; provided
     that for the purposes of the A-2 Term Loans, "Applicable Percentage" shall
     mean (a) with respect to Base Rate Loans, 3.50%, and (b) with respect to
     Eurodollar Loans, 4.50%.

          9. Section 9 of the Credit Agreement is hereby further amended by
inserting in the appropriate alphabetical order the following new definitions:

          "Nebraska Department" shall have the meaning provided in Section
     3.02(g).

          10. In order to induce the Banks to enter into this Amendment, the
Borrower represents and warrants that (i) all of the representations and
warranties contained in the Credit Agreement or in the other Credit Documents
are true and correct in all material respects on and as of the Ninth Amendment
Effective Date, both before and after giving effect to this Amendment unless any
such representation and warranty expressly indicates that it is being made as of
any other specific date in which case such representation and warranty shall be
true and correct in all material respects as of such other specified date, (ii)
there exists no Default or Event of Default on the Ninth Amendment Effective
Date after giving effect to this Amendment.

          11. This Amendment shall become effective as of the date (the "Ninth
Amendment Effective Date") when the following conditions are satisfied:

          (i)   the Borrower and Required Banks shall have signed a counterpart
                hereof (whether the same or different counterparts) and shall
                have delivered (including by way of facsimile transmission) the
                same to the Administrative Agent at its Notice Office (such
                date, the "Signing Date"), provided that the Borrower shall have
                paid on or prior to such Signing Date all reasonable
                out-of-pocket costs and expenses of the Banks incurred prior to
                the Signing Date (including, without limitation, the fees and
                disbursements of White & Case LLP);

<PAGE>

          (ii)  the Borrower shall have consummated the Pyramid Sale on the
                terms described in Section 2 above; and

          (iii) the Borrower shall have paid to the Administrative Agent for the
                benefit of the Banks an amendment fee equal to 0.25% of the
                aggregate principal amount of such Bank's outstanding Term Loans
                as of the Ninth Amendment Effective Date after giving effect to
                the payment required by Section 2 above.

          12. From and after the Ninth Amendment Effective Date, all references
in the Credit Agreement and each of the Credit Documents to the Credit Agreement
shall be deemed to be references to the Credit Agreement as amended hereby.

          13. This Amendment is limited as specified and shall not constitute a
modification, acceptance or waiver of any other provision of the Credit
Agreement or any other Credit Document.

          14. This Amendment may be executed in any number of counterparts and
by the different parties hereto on separate counterparts, each of which
counterparts when executed and delivered shall be an original, but all of which
counterparts shall together constitute one and the same instrument. A complete
set of counterparts shall be lodged with the Borrower and the Administrative
Agent. THIS AMENDMENT AND THE RIGHTS AND OBLIGATIONS OF THE PARTIES HEREUNDER
SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF
NEW YORK.

                                      * * *

<PAGE>

          IN WITNESS WHEREOF, each of the parties hereto has caused a
counterpart of this Amendment to be duly executed and delivered as of the date
hereof.

                                          CERES GROUP, INC.

                                          By:    /s/ Larry E. Wharton
                                             -----------------------------------
                                          Title:  Treasurer

                                          JPMORGAN CHASE BANK,
                                          Individually and as Administrative
                                          Agent

                                          By:    /s/ Helen L. Newcomb
                                             -----------------------------------
                                          Title:  Vice President

                                          DRESDNER BANK AG, NEW YORK BRANCH AND
                                          GRAND CAYMAN BRANCH

                                          By:    /s/ James M. Gallagher
                                             -----------------------------------
                                          Title:  Director

                                          By:    /s/ Erika P. Walters-Engemann
                                             -----------------------------------
                                          Title:  Director

                                          KEYBANK NATIONAL ASSOCIATION

                                          By:    /s/ Mary K. Young
                                             -----------------------------------
                                          Title:  Vice President

                                          FIRSTAR BANK MILWAUKEE, N.A.

                                          By:    /s/ Jeffrey P. Googins
                                             -----------------------------------
                                          Title:  Relationship Manager

<PAGE>

                                          FLEET NATIONAL BANK

                                          By:    /s/ Stephen E. Burse
                                             -----------------------------------
                                          Title:  Vice President

                                          THE CIT GROUP/EQUIPMENT
                                          FINANCING, INC.

                                          By:    /s/ Katie J. Sanders
                                             -----------------------------------
                                          Title:  Senior Credit Analyst<PAGE>

                                  Exhibit 10.1

                            PURCHASE & SALE AGREEMENT

        This agreement ("Agreement") is between Blue Ridge Energy, Inc. ("BRE"),
a Nevada corporation and Lonesome Dove Petroleum, Inc. ("Lonesome Dove"), a
Montana corporation, who agree as follows:

                                    RECITALS

        Lonesome Dove is a party to that certain Exploration Agreement dated
effective February 1, 2002, along with Fortune Natural Resources Corporation
("Fortune"), PrimeEnergy Management Corporation ("Prime"), Lonesome Dove
Petroleum, Inc. ("Lonesome Dove"), Braveheart Holdings, LLC ("Braveheart") and
Southwestern Eagle, LLC ("Southwestern"). Lonesome Dove, Braveheart,
Southwestern and Cymraec Exploration, Inc. ("Cymraec") are sometimes referred to
therein (and in this Agreement) as the "Seismic Partners".

        Lonesome Dove previously acquired a fifteen percent (15%) Seismic
Partner interest that had been owned by Braveheart (the "Braveheart Interest").

        Lonesome Dove is interested in conveying hereunder only its rights,
duties and obligations as a Seismic Partner under the Exploration Agreement
attributable to the Braveheart Interest The Seismic Participation Percentage
being conveyed is 15% of all Seismic Partner rights and duties under the
Exploration Agreement.

        Lonesome Dove desires to sell, transfer and assign said portion of its
Seismic Partner rights and duties under (i) the Exploration Agreement and (ii)
the Seismic Agreements (hereinafter defined) to BRE, and BRE desires to purchase
such rights, pursuant and subject to the terms and provisions of this Agreement.

        Now, therefore the parties agree as follows:

        1. Defined Terms. Capitalized terms used but not defined herein shall
have the same meaning as set out in the Exploration Agreement.

        2. Assignment. Lonesome Dove hereby sells, transfers and assigns to BRE
all of Lonesome Dove's Seismic Partner rights, attributable to the Braveheart
Interest under the Seismic Agreements. The rights and duties assigned and
conveyed hereunder are intended to mirror (with the exception of the percentage
interest actually conveyed hereunder) the rights and duties held by the other
existing Seismic Partners under the Exploration Agreement (i.e., Lonesome Dove,
Braveheart and Southwestern). These rights and duties include but are not
limited to:

        a.      A 12.5% (until August 1, 2004, and 7.5% thereafter, assuming
                Prime/Fortune elect to acquire 1/3 of Channel at that time)
                ownership/membership interest in Channel Exploration LLC, a
                Texas limited liability company ("Channel");

        b.      Lonesome Dove's rights as a Seismic Partner attributable to the
                Braveheart Interest;

<PAGE>

        c.      The 15% Seismic Participation Percentage out of Lonesome Dove's
                interest, attributable to the Braveheart Interest;

        d.      Equal (proportionate) rights with all other Seismic Partners
                in the reprocessed Exxon Data;

        e.      Lonesome Dove's right as a Seismic Partner, attributable to the
                Braveheart Interest to make elections and to participate as a
                working interest owner in any Prospects identified pursuant to
                the Exploration Agreement;

        f.      Lonesome Dove's rights to certain Back-In Working Interest but
                only to the extent such rights flow from Lonesome Dove's role as
                a Seismic Partner, attributable to the Braveheart interest,
                under the Exploration Agreement. Specifically, these rights
                arise only if and when any Seismic Partner elects not to
                participate in a Prospect Proposal;

        g.      Lonesome Dove's Seismic Partner rights, attributable to the
                Braveheart Interest under any Operating Agreement for any
                Prospect;

        h.      Lonesome Dove's Seismic Partner rights under the Exploration
                Agreement with respect to Operator Rejected Prospective
                Prospects; or Non-Producing Prospects as to which the Seismic
                Partners have assumed operations from Fortune or Prime, insofar
                as same are attributable to the Braveheart Interest; and

        i.      Whether specifically enumerated herein or not, all of Lonesome
                Dove's other rights, titles and interests as a Seismic Partner
                in or under the Seismic Agreements, and all rights, titles and
                interests as a Seismic Partner in and to any Prospect, AMI
                Dedicated interest or other interest acquired pursuant thereto,
                attributable to the Braveheart Interest, except as set out
                below.

(collectively, the "Assigned Rights").

        Lonesome Dove is not conveying or assigning any of its thirty percent
(30%) interest as a Seismic Partner, and a corresponding interest in Channel,
which interests are not attributable to the Braveheart Interest. However, this
agreement is intended to and does cover all of the interest acquired by Lonesome
Dove from Braveheart pursuant to the Lonesome Dove-Braveheart Settlement
Agreement dated February 15, 2002, in and under the Exploration Agreement, and
all exhibits attached thereto, and all agreements ancillary thereto, which are
identified or referred to in Exhibit A attached hereto (collectively, the
"Seismic Agreements").

        3. Consideration. BRE shall pay to Cymraec on behalf of Lonesome Dove,
at Closing, the sum of US $195,000.00. On or before April 30, 2002, BRE shall
pay to Cymraec, on behalf of Braveheart the sum of $218,400, which will satisfy
Lonesome Dove's obligation to Braveheart. In addition, BRE assumes the
obligation for the payment of Lonesome Dove's 15% Seismic Partner share,
attributable to the Braveheart Interest, of the Reprocessing Fee for all of the
remaining five (5) quarterly payments due to Kelman, the next payment being due
June 11, 2002.

                                       2
<PAGE>

        4. Closing. The Closing shall occur at 2:00 p.m., on March 11,2002, at
the offices of Lee S. Gill, attorney for BRE, at 6363 Woodway, Suite 1100,
Houston, Texas 77057, provided, that the Closing may be postponed until not
later than March __, 2002, if necessary to satisfy any of the conditions
precedent herein set out. If the Closing does not occur on or before March __,
2002, this agreement shall terminate.

        5. Representations and Warranties of Lonesome Dove. Lonesome Dove
represents and warrants to BRE that:

        a.      Attached hereto as Exhibit A is a true and complete copy of
                Seismic Agreements and all exhibits, schedules and attachments
                thereto;

        b.      There are no liens or encumbrances on the Assigned Rights;

        c.      All payments required to be made by Lonesome Dove pursuant to
                Article I of the Exploration Agreement on or prior to March
                11, 2002 have been made and no claim has been asserted against
                the Lonesome Dove with respect to those payments;

        d.      No consents or waivers from any third party or parties are
                required for the effectiveness of this Agreement or the sale and
                transfer of the Assigned Rights to BRE;

        e.      This Agreement has been duly authorized, executed and delivered
                by Lonesome Dove and all requisite consents, authorizations and
                approvals necessary for that Lonesome Dove's performance of its
                obligations and undertakings provided in this Agreement have
                been obtained;

        f.      The Seismic Agreements are in full force and effect and neither
                Lonesome Dove nor to the best of its knowledge any other party
                to any of such agreements is in breach thereof as of the
                Closing;

        g.      Lonesome Dove's execution and performance of this Agreement in
                accordance with its terms will not result in the breach, default
                or violation of any agreement or contract to which Lonesome Dove
                or any of its officers, members, directors or owners, as
                applicable, is a party or by which any of the Seismic Assets
                may be bound or subject;

        h.      Lonesome Dove is a Montana corporation in good standing; and has
                the right and power to enter into this Agreement; and

        i.      Lonesome Dove's performance of this Agreement will not result in
                the breach of any other contract, obligation, order, judgment or
                decree, to which Lonesome Dove or its property is subject; and
                will not trigger any preferential rights or rights of first
                refusal in any other party.

                                       3
<PAGE>

        6. Representations and Warranties of BRE. BRE represents and warrants to
Lonesome Dove that:

        a.      No consents or waivers from any third party or parties are
                required for the effectiveness of this Agreement or the sale and
                transfer of the Assigned Rights to BRE;

        b.      This Agreement has been duly authorized, executed and delivered
                by BRE and all requisite consents, authorizations and approvals
                necessary for that BRE's performance of its obligations and
                undertakings provided in this Agreement have been obtained;

        c.      BRE's execution and performance of this Agreement in accordance
                with its terms will not result in the breach, default or
                violation of any agreement or contract to which BRE or any of
                its officers, members, directors or owners, as applicable, is a
                party or by which any of the Seismic Assets may be bound or
                subject;

        d.      BRE is a Nevada corporation in good standing; and has the right
                and power to enter into this Agreement; and

        e.      BRE's performance of this Agreement will not result in the
                breach of any other contract, obligation, order, judgment or
                decree, to which BRE or its property is subject; and will not
                trigger any preferential rights or rights of first refusal in
                any other party.

        7. Conditions Precedent. The following are conditions precedent to the
obligations of BRE under this agreement. At or prior to closing, Lonesome Dove
shall obtain and deliver to BRE satisfactory written evidence of the
satisfaction of these conditions:

        a.      Lonesome Dove's representations and warranties shall be true and
                correct as of the Closing Date;

        b.      SEI and MSLLC shall have executed and delivered an authorization
                for Cymraec to contract with BRE's geologist, Patrick A.
                Kelleher ("Kelleher"), subject to the confidentiality provisions
                of the Seismic Agreement, and to maintain on BRE's business
                premises a copy of the reprocessed Exxon Data for Kelleher to
                interpret, evaluate and generate prospect proposals, in form
                substantially as set out as Exhibit C hereto;

        c.      Cymraec shall have executed an agreement satisfactory in form
                and substance to BRE conveying a 20% Seismic Participation
                Percentage and ancillary rights under the Exploration Agreement
                and a corresponding interest in Channel.

        8. Covenants.

                                       4
<PAGE>
        a.      Cymraec will continue to be the collecting and disbursing agent
                for the Seismic Partners' quarterly installments of the
                Reprocessing Fee and shall insure that such payments are timely
                delivered to Kelman pursuant to the Reprocessing Agreement.

        b.      Cymraec will continue to perform its prospect generation and
                evaluation functions for the benefit of the Seismic Partners,
                Fortune and Prime.

        c.      Lonesome Dove shall continue to perform all of its other duties
                and obligations under the Seismic Agreements, excepting only
                those which are assumed by BRE under this Agreement.

        d.      The parties agree to execute Exhibit B, and to use their best
                efforts to secure the agreement of all other Seismic Partners to
                the terms of Exhibit B on or before March 25, 2002, and to
                secure the execution of the final Channel regulations not later
                than April 15, 2002. If such matters are not resolved by such
                times, BRE may elect to terminate its interest under this
                Agreement, the Exploration Agreement and the Seismic Agreements,
                to receive a return of all consideration paid hereunder, and be
                relieved of all obligations and liabilities under such
                Agreements.

        9.      Miscellaneous.

        a.      Force Majeure. In the event that any Party is rendered unable,
                in whole or in part, to carry out its obligations hereunder by
                reason of force majeure, such affected Party shall give written
                notice of such fact, setting forth the details of the force
                majeure, to the other Parties within a reasonable time after the
                occurrence of the force majeure. The obligations of the affected
                Party, insofar but only insofar, as they are affected by such
                force unajeure, shall be suspended for the duration caused,
                which shall be remedied as soon as reasonably possible. As used
                herein, "force majeure" shall mean act of God, strike, lockout,
                industrial disturbance, war, blockade, riot, terrorist activity,
                lightning, fire, storm, flood, explosion, governmental
                restraint, or any other cause whether of the kind enumerated
                herein or otherwise, not reasonably within the control of the
                affected Party. Any Party's inability to pay money or make
                payments when due shall never be construed to be as the result
                of force majeure.

        b.      Entire agreement. This Agreement, including all schedules and
                exhibits hereto, constitutes the entire agreement among the
                parties with respect to the subject matter of this Agreement,
                and this Agreement supercedes all other agreements,
                understandings, representations, and warranties, whether written
                or oral, among the parties with respect to the subject matter
                hereof.

        c.      Governinn Law. This Agreement shall be governed by and construed
                in accordance with the laws of the State of Texas, without
                reference to principles of conflicts of law. Venue for any
                action brought hereunder shall be proper only if brought in the
                courts of Harris County, Texas, and the prevailing Party in any
                such action shall be entitled to recover, as an item of its
                costs, its reasonable attorney's fees.

                                       5

<PAGE>

        d.      Notices. All notices required hereunder shall be sufficiently
                made if in writing and delivered in person or sent by U.S. mail,
                first-class postage prepaid or, to the extent receipt is
                confirmed, by electronic facsimile or overnight document
                delivery, addressed as follows:

                To Lonesome Dove:
                P.O. Box 1236
                Billings, Montana 59103
                Fax:  (406) 256-3203

                With a copy to:

                To BRE:
                11211 Katy Freeway, Suite 505
                Houston, TX 77079
                Fax (832) 358-3903

                With a copy to:
                Lee S. Gill
                Kilburn Jones Gill & Campbell LLP
                6363 Woodway Drive, Suite 1100
                Houston, Texas 77057
                Fax:(713)651-1275

        e.      Attorney's Fees. The prevailing Party in any lawsuit or
                litigation concerning the construction or interpretation of this
                Agreement or the breach by any other Party of any provision
                of this Agreement shall be entitled to such Party's reasonable
                attorneys' fees and court costs.

        f.      Expenses. Each Party will bear and pay its own expenses
                (including, attorneys' fees) of negotiating and consummating the
                transactions contemplated hereby. Such expenses of Lonesome Dove
                shall be borne entirely by Lonesome Dove and shall not be part
                of any of its costs to be billed to or paid by Fortune and/or
                Prime.

        g.      Invalidity. In the event any provision of this Agreement is
                determined to be invalid or unenforceable, then the remainder of
                this Agreement shall not be affected thereby.

        h.      Headings and Titles. The headings and titles in this Agreement
                are for guidance and convenience of reference only and do not
                limit or otherwise affect or interpret the terms or provisions
                of this Agreement. All references made in this Agreement to a
                Section or an Article refers to the applicable Section or
                Article in this Agreement, unless the context clearly indicates
                otherwise.

                                       6

<PAGE>

        1.      Counterparts. This Agreement may be executed in any number of
                counterparts, which taken together shall constitute one and the
                same instrument and each of which shall be considered an
                original for all purposes.

        IN WITNESS WHEREOF, this Agreement is executed by the parties as of
March 11, 2002.

LONESOME DOVE PETROLEUM, INC.                 BLUE RIDGE ENERGY, INC.

By:    [SIG]
   ---------------------------                By:  [SIG]
                                                 --------------------------
                                                 CHAIRMAN/BOARD

                                       7

<PAGE>

                                    EXHIBIT A

                Attached hereto are true, complete and correct copies of the
                following, which together comprise the Seismic Agreements
                referred to in the Agreement to which this Exhibit is attached:

        Exploration Agreement dated effective February 1, 2002 between and among
        Lonesome Dove, Fortune, Prime, Lonesome Dove, Braveheart, and
        Southwestern and its attached Exhibits:

                A - Operations Sharing Agreement

                B - Delineation of Seismic Assets

                C - Form of Operating Agreement

                D - Lonesome Dove's sliding scale ORRI schedule

                E- Assignment of ORRI (to be supplied later)

                F - Assignment of Back-In Interest (to be supplied)

                G- Settlement Agreement with Thorp Petroleum Corporation

                H - Seismic Agreement with MSLLC and SEI

        License and Reprocessing Agreement dated February 2l, 2001 between
        MSLLC, SEI and Lonesome Dove and its attached Exhibits:

                A - Delineation of Seismic Assets

                B - Form of ORRI assignment to MSLLC

                C - Reprocessing Guidelines

                D - License Agreement

                E - Agreement with Reprocessor (Kelman)

        Processing Agreement dated March 1, 2001 between Lonesome Dove and
        Kelman and its attached Exhibits:

                A - Deliverables

                B - Processing Procedures

                C - Pricing

        Channel's organizational documents

        Agreements whereby Lonesome Dove acquired the Braveheart Interest,
        to-wit:

                Settlement Agreement dated February 15, 2002, between Braveheart
                and Lonesome Dove

                                        8

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