Document:

<PAGE>

                      EXHIBIT 10.32 FORBEARANCE AGREEMENT

<PAGE>

                             FORBEARANCE AGREEMENT

    THIS FORBEARANCE AGREEMENT (the "Agreement") is made and entered into as of
the 1st day of December, 1998 and is by and between ARLINGTON SQUARE LIMITED
PARTNERSHIP, a Virginia limited partnership ("Borrower"); ARLINGTON SQUARE,
INC., THE WASHINGTON CORPORATION, WILLIAM N. DEMAS, JOHN D. WOLF, JONATHAN C.
KINNEY and BARBARA A. KINNEY, as tenants by the entirety, DAVID B. KINNEY and
K-F ASSOCIATES L.C. (individually, a "Guarantor" and collectively, the
"Guarantors"); and ALLIED CAPITAL CORPORATION, a Maryland limited partnership
and successor to Allied Capital Commercial Corporation ("Lender"). The
Borrower, the Lender and the Guarantors are sometimes hereinafter
collectively referred to herein as the "parties."

                                   RECITALS:

    R-1. Pursuant to the terms of a Loan Agreement dated November 20, 1997 (the
"Loan Agreement") by and between, among others, Borrower and Lender, and the
documents entered into in connection therewith, Lender made a loan (the "Loan")
to Borrower in the original principal amount of Twenty-four Million three
Hundred Thousand Dollars ($24,300,000.00).

    R-2. The Loan was evidenced by two (2) promissory notes dated November 20,
1997 from Borrower to Lender, one of which was in the original principal amount
of $23,300,000.00 ("Note A") and the other was in the original principal amount
of $1,000,000.00 (as modified by Allonge and Modification to Promissory Note
dated April 23, 1998, "Note B").

    R-3. Repayment of Note A is secured by, among other things, the lien of that
certain Deed of Trust and Security Agreement "A" dated as of November 20, 1997,

<PAGE>

executed by Borrower to Walker Title and Escrow Company, Inc. as trustee for the
benefit of Lender ("Trustee") and recorded among the official land records of
Arlington County, Virginia (the "Official Land Records") in Deed Book 2860, Page
1501 ("Deed of Trust A") encumbering the real property located at 4401 Fairfax
Drive, Ballston, Virginia 22201 and more particularly described therein at
Exhibit A thereto (the "Property").

    R-4. Repayment of Note B is secured by, among other things, the lien of that
certain Deed of Trust and Security Agreement "B" dated as of November 20, 1997,
executed by Borrower to Trustee and recorded among the Official Land Records in
Deed Book 2860, Page 1530 ("Deed of Trust B") encumbering the Property.

    R-5. Borrower has this dated borrowed from Metropolitan Life Insurance
Company, a New York corporation (MetLife"), the sum of Twenty-One Million Five
Hundred Thousand Dollars (21,500,000.00) (the "MetLife Loan"), the proceeds of
which have been used primarily to repay all sums due and payable pursuant to
Note A, and Deed of Trust A has been released of record, and to repay the
principal amount of and accrued but unpaid interest under Note B, leaving
Lender's participation interest (the "Participation Interest") in the Property's
net cash flow and the Property's equity value pursuant to Subparagraph 2(g) of
Note B remaining due and payable by Borrower to Lender pursuant to Note B.

    R-6. Repayment of the MetLife Loan is secured by, among other things, the
lien of a deed of trust upon the Property (the "MetLife Deed of Trust").

    R-7. At the request of MetLife and the Borrower, Lender has subordinated the
lien of Deed of Trust B to the lien of the MetLife Deed of Trust and has entered
into a certain Subordination Agreement with MetLife concerning the MetLife Loan
and the Participation Interest in the Property's net cash flow and equity value
remaining due and

                                       2
<PAGE>

payable to Lender pursuant to Note B. In consideration of the foregoing, the
Guarantors, who are all of the Borrower's partners, have, pursuant to a separate
guaranty agreement of even date herewith made by each Guarantor (individually, a
"Guaranty" and collectively, the "Guarantees"), guaranteed to Lender payment in
full of Lender's Participation Interest in the Property's net cash flow and in
the equity value of the Property pursuant to Note B.

    R-8. Each Guarantor's liability pursuant to its Guaranty is secured by a
pledge by the Guarantor of all (or fifty percent (50%), as the case may be) of
their respective partnership interests in Borrower pursuant to certain
Partnership Interest Pledge Agreement of even date herewith (individually, a
"Pledge Agreement", and collectively, the "Pledge Agreements"). Each Guarantor's
partnership interests in Borrower that are pledged pursuant to the Pledge
Agreement executed by such Guarantor, and the proceeds thereof and other
collateral more particularly described in the Pledge Agreement executed by such
Guarantor, is referenced to herein as the "Guarantor's Collateral".

    R-9. Pursuant to subparagraph 2(g) of Note B, Lender may demand, by written
notice from Lender to Borrower, full and final payment of its Participation
Interest in the equity value of the Property on that date which is eighteen (18)
months from the date hereof.

R-10. The parties hereto acknowledge and agree that:  (a) this Agreement shall
constitute Lender's timely written demand on Borrower for full and final payment
by Borrower of Lender's Participation Interest in the equity value of the
Property on that date which is eighteen (18) months from the date hereof (the
"Equity Participation Maturity Date"); (b) the Lender's Participation Interest
in the equity value of the Property is $1,850,000.00 (the "Equity Participation
Amount") and that said sum shall be due and payable in full pursuant to Note B
on the Equity Participation Maturity Date; and (c) each

                                       3
<PAGE>

Guarantor is obligated to pay said sum pursuant to the provisions of the
Guaranty executed by it, and that such obligation is secured by the Guarantor's
Collateral. The Equity Participation Amount is all-inclusive, and includes any
entitlement of Lender to its Participation Interest in the Property's net
cash-flow during the period October 1, 1998 through December 31, 1998, and any
entitlement of Lender to receive any portion of the MetLife Loan proceeds
remaining after paydown of the Loan (as set forth in R-5) and payment of the
other costs and expenses associated with closing of the MetLife Loan.

    R-11. The Guarantors and the Borrower have requested that Lender forebear
from seeking to enforce its rights pursuant to the Guarantees and the Pledge
Agreements in the event that Borrower fails to pay in full to Lender the Equity
Participation Amount on or before the Equity Participation Maturity Date.

    R-12. Lender has agreed to so forebear on the terms and conditions set
forth herein.

    NOW, THEREFORE, in consideration of the above-premises and other good and
valuable consideration, the receipt and adequacy of which is hereby
acknowledged, the parties hereby agree as follows:

    1. The foregoing Recitals are hereby incorporated herein by this reference
as through fully set forth in the body of this Agreement.

    2. Attached hereto and incorporated herein as Exhibit A is an amortization
schedule pursuant to which the full Equity Participation Amount is to be repaid
by Borrower to Lender over a period, and at an interest rate, acceptable to the
parties.

    3. Provided Borrower timely pays to Lender the monthly amounts set forth in
Exhibit A (such amounts being due and payable on the first of each month,

                                       4
<PAGE>

commencing January 1, 1999), Lender agrees hereby that it shall forebear from
enforcing its rights pursuant to the Guarantees and the Pledge Agreements in the
event that Borrower fails to pay in full to Lender the Equity Participation
Amount on or before the Equity Participation Maturity Date.

    4. Borrower shall be entitled to a credit against the Equity Participation
Amount for that portion of the monthly amounts paid to Lender by Borrower
pursuant to the provisions hereof, as set forth in Exhibit A.

    5. In the event that Borrower shall fail to pay to Lender any of the
amounts set forth in Exhibit A as and when due, Lender's forbearance
obligations hereunder shall automatically cease and terminate without further
notice to Borrower or the Guarantors, provided, however that in the event
that such failure should occur after the Equity Participation Maturity Date,
Lender agrees hereby that it will not seek to enforce its rights pursuant to
the Guarantees and the Pledge Agreements for a period of ninety (90) days
after the date of written notice to Borrower. Any such notice shall be given
to Borrower pursuant to the provisions of the Loan Agreement.

    6. Provided Borrower pays to Lender the amounts set forth in Exhibit A as
and when due, Lender hereby agrees to abate Borrower's obligation to pay
Lender's Participation Interest in the Property's net cash flow as and when
required pursuant to Note B. However, in the event that Borrower shall fail to
pay Lender any of the amounts set forth in Exhibit A as and when due, the
abatement of Borrower's obligation to pay Lender's Participation Interest in the
Property's net cash flow pursuant to Note B shall automatically cease and
terminate without further notice to Borrower or the Guarantors, and, from and
after the date of such failure, Borrower shall be obligated to re-commence the
payment of Lender's Participation Interest in the Property's net cash flow as
and when

                                       5
<PAGE>

due pursuant to Note B. The Borrower's obligation to pay Lender's Participation
Interest in the Property's net cash flow pursuant to Note B shall cease and
terminate upon payment in full of the Equity Participation Amount (which shall
include execution and delivery by Borrower to Lender of a promissory note in the
amount of the remaining Equity Participation Amount which replaces Note B and is
approved by MetLife and contains terms and conditions acceptable to Lender), or,
if sooner, the date that Lender (or its affiliate) realizes upon the partnership
interests in Borrower that are pledged by the Guarantors to the Lender pursuant
to the Pledge Agreements through foreclosure or transfer in lieu of foreclosure
thereunder.

    7. Unless otherwise set forth herein, initially capitalized terms shall have
the meanings given them by the Loan Agreement. This Agreement may be entered
into in counterparts.

    a. This Agreement shall be governed in accordance with the laws of the State
of Maryland.

                                       6
<PAGE>

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

                                        BORROWER:

                                        Arlington Square Limited Partnership
                                        By: Arlington Square, Inc.
                                        general partner

                                        By:    /s/ William N. Demas
                                               --------------------------------
                                        Name:  William N. Demas
                                        Title: President

                                        LENDER:

                                        Allied Capital Corporation

                                        By:    /s/ Michael J. Crosius
                                               --------------------------------
                                        Name:  William N. Demas
                                        Title: President

                                        GUARANTORS:

                                        Arlington Square, Inc.

                                        By:    /s/ William N. Demas
                                               --------------------------------
                                        Name:  William N. Demas
                                        Title: President

                                        The Washington Corporation

                                        By:    /s/ William N. Demas
                                               --------------------------------
                                        Name:  William N. Demas
                                        Title: President

                     [Signatures Continued on Following Page]

                                       7
<PAGE>

                                        By:    /s/ William N. Demas
                                               --------------------------------
                                        Name:  William N. Demas

                                               /s/ John D. Wolf
                                        By:    /s/ William N. Demas
                                               his attorney in fact
                                               --------------------------------
                                        Name:  John D. Wolf

                                        By:    /s/ Jonathan C. Kinney
                                               --------------------------------
                                        Name:  Jonathan C. Kinney, tenant by the
                                               entirety with Barbara A. Kinney

                                               /s/ Barbara A. Kinney
                                        By:    /s/ Jonathan C. Kinney
                                               her attorney in fact
                                               --------------------------------
                                        Name:  Barbara A. Kinney, tenant by the
                                               entirety with Jonathan C. Kinney

                                               /s/ David B. Kinney
                                        By:    /s/ Jonathan C. Kinney
                                               his attorney in fact
                                               --------------------------------
                                        Name:  David B. Kinney

                                        K-F Associates L.C.

                                               /s/ David B. Kinney
                                        By:    Jonathan C. Kinney
                                               his attorney in fact
                                               --------------------------------
                                        Name:  David B. Kinney
                                        Title: Manager

                                       8<PAGE>

              EXHIBIT 10.33 AMENDED AND RESTATED PROMISSORY NOTE

<PAGE>

                                                 Allied Loan No. ______________

                             AMENDED AND RESTATED
                                PROMISSORY NOTE

$1,850,000.00                                            As of December 1, 1998

     FOR VALUE RECEIVED the undersigned, ARLINGTON SQUARE LIMITED
PARTNERSHIP, a Virginia limited partnership ("Maker"), absolutely and
unconditionally promises to pay to the order of ALLIED CAPITAL CORPORATION, a
Maryland corporation and successor in interest to Allied Capital Commercial
Corporation, its successors and assigns ("Lender"), the principal sum of One
Million Eight Hundred Fifty Thousand and No/100 Dollars ($1,850,000.00), plus
interest on the principal balance at the rate set forth herein, at Lender's
offices or such other place as Lender may designate in writing.

       1. AMENDMENT AND RESTATEMENT:  This Amended and Restated Promissory
Note (this "Note") constitutes a complete amendment and restatement of that
certain Promissory Note dated November 27, 1997, as modified by Allonge and
Modification to Promissory Note dated April 23, 1998 (the "Original Note"),
and is subject to the terms of a Loan Agreement by and among Maker, Lender,
and certain others dated November 20, 1997 (the "Loan Agreement").  Lender is
entitled to the benefits of the Loan Agreement and all of the exhibits
thereto, and reference is made thereto for a more particular description of
all rights and remedies thereunder.  Capitalized terms used and not otherwise
defined herein shall have the meanings set forth in the Loan Agreement.  All
Maker's obligation pursuant to the Original Note are superseded in their
entirety by this Note.

       2. PAYMENTS:

          (a)  INTEREST RATE.  From the date hereof, interest shall accrue on
the unpaid principal hereunder at the annual rate of seven and one-half
percent (7 1/2%).

          (b)  MONTHLY PAYMENTS OF PRINCIPAL INTEREST.  Commencing on January
1, 1999, and continuing on the first day of each successive month thereafter,
consecutive monthly payment of principal and interest shall be due in the
respective monthly amounts set forth in the amortization schedule attached
hereto. (c) MATURITY.  If not sooner repaid or accelerated pursuant to the
terms hereof, this Note shall mature on June 1, 2008 ("Maturity Date") at
which time the entire principal balance of this Note, plus all accrued and
unpaid interest due thereon and other sums due hereunder shall be due and
payable in full.

          (d)  COMPUTATION OF INTEREST.  Interest due hereunder shall be
computed on the per annum basis of a 360-day year, for the actual number of
days (including the first day but excluding the last day) elapsed.  Upon the
occurrence of any Event of Default (as defined in the Loan Agreement), this
Note shall bear interest during the pendency of such

<PAGE>

Event of Default at a rate of interest equal to the lesser of (i) the
Interest Rate plus three percent (3%) per annum or (ii) the maximum
non-usurious rate allowed from time to time by applicable law (the "Default
Rate").

          (e)  LATE CHARGE.  In the event that any payment of principal or
interest is not actually received by the holder within three (3) Business
Days of the date such payment is due Maker agrees to pay a late charge equal
to ten percent (10%) of the total amount of the delinquent installment.

          (f)  OTHER PAYMENT PROVISIONS.  Maker shall make each payment
hereunder not later than 4:00 P.M. (Eastern time) on the day when due, without
offset, in lawful money of the United States of America to Lender or its
agent, designee or assignee at P.O. Box 630796, Baltimore, Maryland
21263-0796 or pursuant to a wire transfer to Lender's designated bank
account, or at such other place as Lender or its agent, designee or assignee
may from time to time designate in writing.  All payments will be applied
first to costs and fees owing hereunder, second to the payment of accrued
interest and the balance to the payment of principal. If the date for any
payment or prepayment hereunder falls on a day which is not a business day,
then for all purposes of this Note the same shall be deemed to have fallen on
the next following business day, and such extension of time shall in such
case be included in the computation of payments of interest.

          (g)  PREPAYMENT. This Note may be prepaid, in whole or in part, at
any time without premium or penalty. Any partial prepayments shall not
relieve Market of the obligation to pay periodic installments of principal
and/or interest hereunder as and when the same would otherwise fall due.

       3.  COLLATERAL:  This Note is secured, in part, by that certain Deed
of Trust and Security Agreement "B" dated November 20, 1997 and recorded in
Book 2860 at Page 1530 in the Office of the Clerk of the Circuit Court of
Arlington County, Virginia, as amended by a First Modification to Deed of
Trust and Security Agreement "B" dated as of November 24, 1998 and recorded
in the Deed Book 2941 at Page 2132 of said land records and as further
amended by a certain Second Modification to Deed of Trust and Security
Agreement "B" dated December 31, 1999 (collectively, the "Deed of Trust").

       4.  GUARANTY:  This Note is guaranteed by The Washington Corporation,
Arlington Square, Inc., William N. Demas, John D. Wolf, Jonathan C. Kinney
and Barbara A. Kinney (as tenants by the entirety), David B. Kinney, and K-F
Associates L.C. (collectively, the "Guarantors") pursuant to the terms of
those separate Guarantees dated as of November 24, 1998 wherein the
Guarantors jointly and severally guaranteed the due and punctual payment of
the Guaranteed Obligations (as defined therein).

       5.  [Intentionally Omitted.]

                                      2

<PAGE>

      6. JOINT AND SEVERAL LIABILITY: If more than one party signs this
instrument, then all the undersigned shall be jointly and severally liable
hereunder.

      7. DEFAULT AND ACCELERATION:

         (i) ACCELERATION: Upon Maker's failure to pay any payment of
principal and/or interest due Lender which continues for three (3) days after
written notice from Lender to Maker or the occurrence of any other Event of
Default (other than specified in Section 9.1 (a) of the Loan Agreement), the
entire principal balance hereof and all accrued and unpaid interest thereon
shall at once become due and payable in full, at the option of the holder of
this Note, without presentment, demand, protest or further notice of any kind
(all of which are hereby expressly waived). Maker promises to pay on demand
all costs of collection, including reasonable attorneys' fees, upon the
occurrence of an Event of Default, whether suit be brought or not, with
interest from the date paid at the Default Rate. Lender shall also be
entitled to any other remedies which may be available hereunder, in the Loan
Agreement or under any applicable law.

         (j) NO WAIVER. No course of dealing between Lender and any other
party hereto or any failure or delay on the part of Lender in exercising any
rights or remedies hereunder shall operate as a waiver of any rights or
remedies of Lender under this or any other applicable instrument. No single
or partial exercise of any rights or remedies hereunder shall operate as a
waiver or preclude the exercise of any other rights or remedies hereunder.

         (k) LENDER'S RIGHTS AND REMEDIES: Upon the occurrence of an Event of
Default, Lender will have the rights and remedies provided herein and in any
other Loan Document (as defined in the Loan Agreement). After deducting all
expenses incidental to or arising from the sale of any collateral, Lender
shall apply the residue of the proceeds thereof to the payment of the
indebtedness, returning the excess, if any, to Maker.

         (l) COSTS AND FEES. Maker shall pay all Lender's expenses of any
nature, whether incurred in or out of court, and whether incurred before or
after this Note shall become due at its maturity date or otherwise (including
but not limited to reasonable attorneys' fees and costs) which Lender may
determine to be reasonably necessary or proper in connection with the
satisfaction of the indebtedness evidenced hereby or the preservation,
protection of (including, but not limited to, the maintenance of adequate
insurance) or the realization upon the collateral. All such sums shall be
payable on demand, with interest at the rate set forth in Section 2(a)
hereof, provided that any such costs expended after the occurrence of an
Event of Default shall bear interest at the Default Rate. Lender is
authorized to pay at any time and from time to time any or all of such
expenses, add the

                                      3

<PAGE>

amount of such payment to the amount of principal outstanding and charge
interest thereon at the rate specified herein.

         (m) SUCCESSORS' RIGHTS. The purchaser, assignee, transferee or
pledgee of this Note, the collateral, any guaranty and any other document (or
any of them), sold, assigned, transferred, pledged or repledged by Lender,
shall forthwith become vested with and entitled to exercise all the powers
and rights given by this Note as if said purchaser, assignee, transferee or
pledgee were originally named as Lender in this Note.

      8. WAIVER: Except as specifically provided for herein and in the Loan
Documents (as defined in the Loan Agreement), Maker waives presentment and
demand for payment, protest and notice of protest and non-payment, all
applicable exemption rights, valuation and appraisement and notice of demand,
and diligence in the bringing of suit or taking of any action to collect any
sums owning hereunder or in proceeding against any of the rights and
collateral securing payment hereof.

      9. SEVERABILITY: In the event one or more of the provisions contained
in this Note or any other Loan Document 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 of this Note or such
other Loan Document, but this Note and such other Loan Document shall be
construed as if such invalid, illegal or unenforceable provision had never
been contained herein or therein.

      10. DEFINITIONS: The term INDEBTEDNESS as used herein shall mean the
indebtedness evidenced by this Note, including principal, interest and
expenses whether contingent, now due or hereafter to become due, and whether
heretofore or contemporaneously herewith or hereafter contracted.

      11. BUSINESS PURPOSE: Maker hereby declares, represents and warrants
that the indebtedness evidenced hereby is made for the purpose of acquiring
or carrying on a business or commercial enterprise.

      12. SAVINGS CLAUSE: It is expressly stipulated and agreed to be the
intent of Maker and Lender at all times to comply with applicable state law
or applicable United States federal law (to the extent that it permits Lender
to contract for, charge, take, reserve or receive a greater amount of
interest than under state law) and that this section shall control every
other covenant and agreement in this Note and the other Loan Documents. If
the applicable law (state or federal) is ever judicially interpreted so as to
render usurious any amount called for under this Note or under any of the
other Loan Documents, or contracted for, charged, taken, reserved or received
with respect to the indebtedness evidenced by this Note and the other Loan
Documents, or if Lender's exercise of the option to accelerate the maturity
of this Note, or if any prepayment by Maker results in Maker

                                      4

<PAGE>

having paid any interest in excess of that permitted by applicable law, then
it is Maker's and Lender's express intent that all excess amounts theretofore
collected by Lender be credited on the principal balance of this Note (or, if
this Note has been or would thereby be paid in full, refunded to Maker), and
the provisions of this Note and the other Loan Documents immediately be
deemed reformed and the amounts thereafter collectible hereunder and
thereunder reduced, without the necessity of the execution of any new
document, so as to comply with the applicable law, but so as to permit the
recovery of the fullest amount otherwise called for hereunder and thereunder.
All sums paid or agreed to be paid to Lender for the use, forbearance and
detention of the indebtedness evidenced hereby and by the other Loan
Documents shall, to the extent permitted by applicable law, be amortized,
prorated, allocated and spread throughout the full term of such indebtedness
until payment in full so that the rate or amount of interest on account of
such indebtedness does not exceed the maximum rate permitted under applicable
law from time to time in effect and applicable to the indebtedness evidenced
hereby for so long as such indebtedness remains outstanding. Notwithstanding
anything to the contrary contained herein or in any of the other Loan
Documents, it is not the intention of Lender to accelerate the maturity of
any interest that has not accrued at the time of such acceleration or to
collect unearned interest at the time of such acceleration.

       13. WAIVER OF TRIAL BY JURY: Maker agrees that any suit, action or
proceeding, whether claim or counterclaim, brought or instituted by Lender on
or with respect to this Note or any event, transaction or occurrence arising
out of or in any way connected with the Loan Agreement or the dealing of the
parties with respect thereto, shall be tried only by a court and not by a
jury. EXCEPT TO THE EXTENT PROHIBITED BY APPLICABLE LAW, MAKER HEREBY
EXPRESSLY WAIVES ANY RIGHT TO A TRIAL BY JURY IN ANY SUCH SUIT, ACTION OR
PROCEEDING. THIS WAIVER OF RIGHT TO TRIAL BY JURY IS GIVEN KNOWINGLY AND
VOLUNTARILY BY MAKER, AND IS INTENDED TO ENCOMPASS INDIVIDUALLY EACH INSTANCE
AND EACH ISSUE AS TO WHICH THE RIGHT TO A TRIAL BY JURY WOULD OTHERWISE
ACCRUE. LENDER OR ANY PAYEE IS HEREBY AUTHORIZED TO FILE A COPY OF THIS
PARAGRAPH IN ANY PROCEEDING AS CONCLUSIVE EVIDENCE OF THIS WAIVER BY MAKER.
Maker acknowledges and agrees that Lender would not enter into the Loan
Agreement referenced above if this waiver of jury trial were not part hereof.

       14. CONTROLLING LAW: THIS NOTE SHALL BE GOVERNED BY AND CONSTRUED IN
ACCORDANCE WITH THE LAWS OF THE STATE OF MARYLAND (WITHOUT REGARD TO ANY
CONFLICT OF LAWS PRINCIPLES) AND THE APPLICABLE LAWS OF THE UNITED STATES OF
AMERICA. MAKER HEREBY IRREVOCABLY SUBMITS TO THE JURISDICTION OF ANY COURT OF
COMPETENT JURISDICTION LOCATED IN THE STATE OF MARYLAND IN CONNECTION WITH
ANY PROCEEDING ARISING OUT OF

                                      5

<PAGE>

OR RELATING TO THIS NOTE.  Maker agrees that service of any summons or
complaint, and other process which may be served in any action, may be made
by mailing via registered mail or delivering a copy of such process to Maker,
and Maker hereby agrees that this submission to jurisdiction and consent to
service of process are reasonable and made for the express benefit of Lender.

       15.  ENTIRE AGREEMENT:  The provisions of this Note and the Loan
Documents may be amended or revised only an instrument in writing signed by
Maker and Lender.  This Note and all the other Loan Documents embody the
final, entire agreement of Maker and Lender in respect to the loan
transaction described herein and therein, and supersede any and all prior
commitments, agreements, representations and understandings, whether written
or oral, relating to the subject matter hereof and thereof and may not be
contradicted  or varied by evidence of prior, contemporaneous or subsequent
oral agreements or discussions of Maker and Lender.  There are no oral
agreements between Maker and Lender.

       16.  PURPOSE OF LOAN:  The Maker warrants and represents that the loan
evidenced hereby is being made for business or investment purposes.

       17.  SUBORDINATION:  Maker acknowledges that the indebtedness
evidenced by this Amended and Restated Note shall be deemed the Junior Note
pursuant to the provisions of that certain Subordination Agreement dated as
of November 25, 1998 by and among the Senior Leader (as defined therein),
maker and Lender and recorded in the office of the Clerk of the Circuit Court
of Arlington County, Virginia at Book 2941 Page 2095.

     IN WITNESS WHEREOF, the undersigned has caused this Note to be executed
as of the day and the year first above written.

MAKER:

                                  ARLINGTON SQUARE LIMITED PARTNERSHIP,
                                       a Virginia limited Partnership

                                  By:  Arlington Square, Inc., a Virginia
                                       corporation, general partner

                                  By:  /s/ William N. Demas      (Seal)
                                     ----------------------------

                                  Name:    William N. Demas
                                       --------------------------

                                  Title:   President
                                        -------------------------

                                      6

<PAGE>

     THIS IS TO CERTIFY that this is that certain Amended and Restated
Promissory Note described in the Second Modification to Deed of Trust and
Security Agreement B securing said Promissory Note, said Amended and Restated
Promissory Note and the Second Modification to Deed of Trust and Security
Agreement B having been executed in my presence.

                                             /s/ Carolyn C. Boccabella
                                           ------------------------------
                                                 Notary Public

        CAROLYN C. BOCCABELLA
   NOTARY PUBLIC STATE OF MARYLAND
My Commission Expires November 1, 1999

                                      7

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