Document:

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                                                                    EXHIBIT 10.2

July 1, 2004

American Stone Corporation
230 West Main Street
South Amherst, OH  44001

Attn: Russell Ciphers
      President

                                           Re: Mortgage Loan

Dear Mr. Ciphers:

      Please be advised that BRM Quarry Co. LLC has agreed to make a loan to
Amherst Stone Corporation on the following terms:

      Loan Amount:             $600,000
      Interest Rate:           7.5% Fixed
      Terms:                   24 Months
      Monthly Payments:        $3,750, interest only
      Security:                Second Mortgage on the American Stone property
                               in South Amherst, OH  (Approx. 980 acres)

      The loan will be due and payable in full twenty-four months from the date
of the loan. A prepayment penalty of one percent of the original loan amount
will be due should the loan be paid before the maturity date.

      BRM will require that its mortgage on the property be a second mortgage
behind the existing first mortgage on the property and that said mortgage be
insured by an ALTA policy for the amount of $600,000 issued by Cleveland Title.
American Stone must pay for the recording costs, title search and the ALTA title
insurance premium.

      Please acknowledge your acceptance of the above terms by executing the
enclosed copy of this letter. This acknowledgement shall be valid for thirty
days from the above date.

Very truly yours,

BRM QUARRY CO., LLC

Bruno Berardinelli
Member

BB/tg

                                  Exhibit 10.2
                                  Page 1 of 33

<PAGE>

                            COGNOVIT RPOMISSORY NOTE

$600,000.00                        Solon , Ohio

                                   July 8 , 2004

      FOR VALUE RECEIVED, THE UNDERSIGNED, AMERICAN STONE CORPORATION a(n) Ohio
corporation, whose address is 230 WEST MAIN STREET, SOUTH AMHERST, OHIO 44001
(referred to in this Note as "Borrower"), promises to pay the order of BRM
Quarry Co., LLC, an Ohio limited liability company (referred to in this Note as
"Lender"), at its offices at 23280 Pheasant Land, Westlake, Ohio 44145, or at
such other place as Lender may designate in writing from time-to-time, in legal
tender of the United States of America, the principal sum of SIX HUNDRED
THOUSAND AND 00/100 Dollars ($600,000.00), together with interest from the date
of this Note at the rate of Seven and One Half percent (7.50%) per annum (the
"Internal Rate"). The entire unpaid principal balance of this Note together with
all unpaid accrued interest thereon, if not sooner paid, shall be due and
payable on the 15th day of July , 2006 (referred to in this Note as the
"Maturity Date").

      Interest shall be calculated monthly in arrears on the basis of a twelve
(12) month calendar year, except that interest for less than a full calendar
month shall be calculated on the basis of the actual number of calendar days
elapsed computed on a daily basis using a 360-day year.

      Upon delivery of this Note, Borrower will pay monthly installments of
interest only computed daily on the drawn balance hereunder, such installments
to commence on September 1 , 2004 and continue on the first day of each month
thereafter through and including August 1, 2006. The balance of all amounts due
under this Note shall be due and payable on the Maturity Date.

      Each monthly installment hereunder shall be applied by Lender to the
following items and in such order as Lender may determine in its sole
discretion: (2) interest then due and payable hereunder: (b) to any amounts
which may be overdue on account of any of the several terms, provisions,
conditions or covenants contained in this Note or in any of the other Loan
Documents (as hereinafter defined); and (c) to the principal balance thereof.
Any partial prepayment of the amounts due hereunder shall not postpone the due
date of any subsequent monthly payment or change the amounts of such payment.

      Each twelve-month period during the term of this Note, commencing August 1
, 2004, is defined to be a "Loan Year," except that the first Loan Year shall
also include the period of time, if any, between the date of this Note and the
first day of the first Loan Year.

      This Note may be prepaid, in whole or in part, upon thirty (30) days prior
written notice to Lender and only upon payment to Lender of a prepayment premium
equal to a percentage of the prepaid principal balance in accordance with the
following schedule:

                                  Exhibit 10.2
                                  Page 2 of 33

<PAGE>

                                           PERCENTAGE OF PREPAID
                                           PRINCIPAL BALANCE TO
              LOAN YEAR                    BE PAID AS PREMIUM:
              ---------                    -------------------

                  1st                               1%
                  2nd                               1%

The foregoing prepayment premium will also be payable by Borrower to Lender in
the event of acceleration by Lender of the amounts due under this Note and the
Loan Documents upon default by Borrower.

      When and as often as Borrower shall be in default hereunder or under any
of the other Loan Documents (as hereinafter defined) and during any period after
the Maturity Date for which any part of the indebtedness evidenced by this Note
is unpaid, interest on all sums outstanding hereunder will automatically accrue
at an annual percentage rate equal to five percent (5%) per annum in excess of
the rate of interest otherwise then applicable to this Note (the "Default Rate
of Interest").

      If any monthly payment due under this Note is not made within ten (10)
calendar days from the date the same is due, then, a "late charge" of five
percent (5%) of the payment so overdue shall be payable by Borrower to Lender.

      The parties intend that the rate of interest under this Note shall never
exceed the maximum rate which may be legally charged on the indebtedness
evidence by this Note (the "Maximum Rate") and if the provisions for interest
contained in this Note would result in a rate higher than the Maximum Rate,
interest shall nevertheless be limited to the Maximum Rate and any amounts which
may be paid toward interest in excess of the Maximum Rate shall be applied to
the reduction of principal, or, at the option of the Lender, returned to the
Borrower.

      The entire unpaid principal balance of this Note and all accrued and
accruing interest thereon, and such other charges due and payable by Borrower,
hereunder and under any other of the Loan Documents, shall become immediately
due and payable by Borrower to Lender without notice or demand at the option of
Lender upon the occurrence of any other following: (i) any default in the
payment of any amount when due under this Note or under any other of the Loan
Documents, or upon the default by Borrower of any other provision of this Note
or any other of the Loan Documents, and such default shall continue for a period
of thirty (30) calendar days; (ii) the insolvency of Borrower or any entity
which has guaranteed all or any of the amounts due hereunder; (iii) the
transfer, whether voluntary, involuntary or by operation of law, of any legal or
beneficial interest in, or the sale or transfer of all or a substantial portion
of the assets of, Borrower or any entity which has guaranteed all or any of the
amounts due hereunder; or (iv) the death, incompetency or insolvency of any
individual who has guaranteed all or any of the amounts due hereunder. In
addition, Borrower shall pay Lender's costs and reasonable attorneys' fees
incurred in collecting or enforcing payment, whether suit be brought or not. Any
failure of Lender to exercise its option to accelerate shall not constitute a
waiver of the right to exercise any such option to accelerate at any future time
or times.

                                  Exhibit 10.2
                                  Page 3 of 33

<PAGE>

      Acceptance by Lender of any payment in an amount less than the amount due
shall be deemed an acceptance on account only, and the failure to pay the entire
amount then due shall be and continue to be an event of default. At any time
thereafter and until the entire amount then due has been paid, Lender shall be
entitle to exercise all rights conferred upon it in this Note or in the Loan
Documents upon the occurrence of a default.

      Borrower expressly waives demand, presentment for payment, protest, notice
of protest, notice of non-payment, notice of acceleration, notice of maturity,
presentment for the purpose of accelerating maturity, any and all lack of
diligence or delays in collection or enforcement of this Note and all notices to
which Borrower might otherwise be entitled by law, and expressly consents to any
extension of time of payment hereof, release of any of the security for this
Note, acceptance of any other security therefore, or any other indulgence or
forbearance which may be made without notice to any party and without in any way
affecting the liability of any party.

      This Note is secured by an Open-End Mortgage Deed And Security Agreement
from Borrower to Lender covering certain property, real and personal, located in
the City of SOUTH AMHERST, County of LORAIN, and State of Ohio, (the "Mortgage
Property"). This Note, all other documents referred to in this Section and the
Loan Agreement between Borrower and Lender of even date herewith are referred to
herein collectively as the "Loan Documents." Reference is made to the Loan
Documents for a description of the security and rights of the holder in respect
thereto, including, without limitation, certain rights and obligations
pertaining to the maintenance, furnishing and inspection of financial records,
statements and reports, but this reference to the Loan Documents shall not
affect or impair the absolute and unconditional obligation to pay when due the
installments of principal and interest provided for herein.

      This Note is made in the State of Ohio and shall be governed by and
construed in accordance with its laws. If any provision(s) of this Note is/are
in conflict with any statute or applicable rule of law, or are otherwise
unenforceable for any reason whatsoever, such provisions(s) shall be deemed null
and void to the extent of such conflict or unenforceability but shall be deemed
separate from and shall not invalidate any other provision of this Note. The
rights and remedies provided to Lender in this Note are cumulative and the use
of any one right or remedy shall not preclude or waive the ability to use any or
all other rights and remedies Lender may have at law or in equity. In this Note,
the singular and plural are interchangeable and each person and legal entity
signing this Note as Borrower is jointly and severally liable; each person or
legal entity is fully and personally obligated to keep all of the promises made
in this Note. This Note shall, in accordance with its terms, be binding upon
Borrower, its heirs, administrators, executors, legal representatives,
successors and assigns.

      BORROWER HEREBY KNOWINGLY, VOLUNTARILY AND INTENTIONALLY WAIVES ANY RIGHT
WHICH IT MAY HAVE TO A TRIAL BY JURY IN RESPECT OF ANY LITIGATION BASED UPON
THIS NOTE OR ANY OF THE OTHER LOAN DOCUMENTS OR ARISING OUT OF, UNDER OR IN
CONJUNCTION WITH ANY SUCH LOAN DOCUMENTS, OR ANY DOCUMENT CONTEMPLATED TO BE
EXECUTED IN CONJUNCTION HEREWITH, OR ANY COURSE OF CONDUCT, DEALING, STATEMENTS
(WHETHER VERBAL OR WRITTEN) OR ACTIONS OF ANY PARTY. THIS PROVISION IS A
MATERIAL INDUCEMENT FOR THE LENDER ENTERING INTO THIS AGREEMENT.

                                  Exhibit 10.2
                                  Page 4 of 33

<PAGE>

      Borrower and it successors and assigns herby authorize any attorney at law
to appear before any court of record, state or federal, in the State of Ohio, at
any time after this Note becomes due, whether by acceleration or otherwise, and
to waive the issuance and service of process, to admit the maturity and
non-payment of this Note by acceleration or otherwise, and to confess judgment
in favor of the legal holder of this Note against Borrower and its successors
and assigns for the amount then due, with interest, late charge(s), default
interest and premium all at the rate(s) herein mentioned, and costs of suit, and
thereupon to release all errors and waive all rights of appeal and stay of
execution. The foregoing warrant of attorney shall survive any such judgment,
and should any such judgment be vacated for any reason, the foregoing warrant of
attorney nonetheless may thereafter be utilized for obtaining judgment or
judgments.

WARNING - BY SIGNING THIS PAPER YOU GIVE UP YOUR RIGHT TO NOTICE AND COURT
TRIAL. IF YOU DO NOT PAY ON TIME, A COURT JUDGMENT MAY BE TAKEN AGAINST YOU
WITHOUT YOUR PRIOR KNOWLEDGE AND THE POWERS OF A COURT CAN BE USED TO COLLECT
FROM YOU REGARDLESS OF ANY CLAIMS YOU MAY HAVE AGAINST THE CREDITOR WHETHER FOR
RETURNED GOODS, FAULTY GOODS, FAILURE ON HIS PART TO COMPLY WITH THE AGREEMENT,
OR ANY OTHER CAUSE.

                                 AMERICAN STONE CORPORATION, AN OHIO CORPORATION

                                 By: /s/ Russell Ciphers
                                     --------------------------------------
                                     RUSSELL CIPHERS, PRESIDENT

                                  Exhibit 10.2
                                  Page 5 of 33

<PAGE>

                                 LOAN AGREEMENT

      THIS AGREEMENT made this 8th day of July , 2004 , by AMERICAN STONE
CORPORATION, an Ohio CORPORATION, whose address is 230 WEST MAIN STREET, SOUTH
AMHERST, OHIO 44001 (the "Borrower"), and BRM QUARRY CO., LLC, AN OHIO LIMITED
LIABILITY COMPANY WHOSE ADDRESS IS 23280 PHEASANT LANE, WESTLAKE, OHIO 44145
(THE "LENDER"), sets forth the agreements, rights and obligations of the parties
under the terms and conditions hereof to lend to Borrower and amount not to
exceed SIX HUNDRED THOUSAND AND 00/100 Dollars ($600,000.00) together with
interest thereon (the "Loan"), which Loan shall be evidenced and secured by such
notes, instruments and other documents executed by the party to be bound thereby
and including the documents and instruments referred to in Section 2 below
(collectively referred to herein as the "Loan Documents"), as may be requested
from time-to-time by BRM Quarry Co., LLC, and Borrower agrees to comply with the
terms contained in this Agreement and in any written supplement now or hereafter
executed by Borrower whether or not the same shall make reference to this
Agreement.

      The parties hereto agree as follows:

      1. Loan. BRM Quarry Co., LLC undertakes and agrees to lend to Borrower an
         amount not to exceed SIX HUNDRED THOUSAND AND 00/100 Dollars
         ($600,000.00) and to disburse the proceeds of said Loan solely for the
         following purpose(s): REFINANCE, which purpose(s) Borrower acknowledges
         is/are not primarily personal, family or household.

      2. Conditions to Disbursement of Loan Proceeds. Borrower will, on or prior
         to disbursement or any of the proceeds of the Loan hereunder, deliver
         or cause to be delivered to BRM Quarry Co., LLC the following, all in
         form and content acceptable to BRM Quarry Co., LLC:

         (a) Borrower's cognovit promissory note (hereinafter the "Note"),
             payable to the order of BRM Quarry Co., LLC in the amount of the
             Loan.

         (b) An open-end mortgage deed, fixture filing and security agreement
             (the "Mortgage") to BRM Quarry Co., LLC as security for the Loan,
             which shall be a first lien upon the real and personal property
             described therein (the "Mortgaged Property").

         (c) At Borrower's expense, a commitment or proforma policy for an ALTA
             mortgagee's policy of title insurance (the "Title Commitment")
             issued by a tile company acceptable to BRM Quarry Co., LLC (the
             "Title Company") for the full aggregate amount of the Loan
             establishing that the Title Company is prepared to ensure the
             Mortgage as of the time of its filing for record as a first and
             prior lien upon the Mortgaged Property and on any improvements now
             located or to be hereafter erected thereon. The Title Commitment
             shall contain only such exceptions as shall be approved by BRM
             Quarry Co., LLC in its sole discretion, and shall contain
             affirmative insurance that: (i) the survey described in Section 2
             (l) below is accurate and accurately depicts the same real estate
             as is covered by the Title Commitment; (ii) BRM Quarry Co., LLC is
             the holder

                                  Exhibit 10.2
                                  Page 6 of 33

<PAGE>

         of the Mortgage and the Mortgage is the first lien against the
         Mortgaged Property; and (iii) all parcels comprising the Mortgaged
         Property are contiguous with each other and with an adjoining public
         right of way. The Title Commitment shall include copies of all
         documents listed as exceptions in the Title Commitment for BRM Quarry
         Co., LLC review and approval. Borrower shall deliver to BRM Quarry Co.,
         LLC a final policy of title insurance (the "Title Policy") within a
         reasonable period of time after closing.

      (d) At Borrower's expense, an Environmental Audit (as hereinafter defined)
         satisfactory to BRM Quarry Co., LLC; or, in BRM Quarry Co., LLC sole
         discretion, such other form of review of the environmental condition of
         the Mortgaged Property as shall be satisfactory to BRM Quarry Co., LLC.

      (e) At Borrower's expense, an appraisal of the Mortgaged Property prepared
         by an appraiser acceptable to BRM Quarry Co., LLC.

      (f) Written opinion of Borrower's counsel in form satisfactory to BRM
         Quarry Co., LLC.

      (g) Evidence of fire, public liability and property damage insurance, or
         other evidence that Borrower has met the insurance requirements of BRM
         Quarry Co., LLC, all in form and amount satisfactory to and approved by
         BRM Quarry Co., LLC. Each policy of property insurance will contain a
         standard non-contributory mortgagee clause in favor of BRM Quarry Co.,
         LLC. BRM Quarry Co., LLC shall also have been furnished with evidence
         satisfactory to BRM Quarry Co., LLC that the Mortgaged Property is not
         included in a special flood hazard area as designated by the Federal
         Emergency Management Agency on its Flood Hazard Boundary Map and Flood
         Hazard Boundary Map and Flood Insurance Rate Maps, and the Department
         of Housing and Urban Development, Federal Insurance Administration,
         Special Flood Hazard Area Map; or, if the Mortgaged Property is
         included in such a special flood hazard area, BRM Quarry Co., LLC shall
         have received evidence that Borrower has adequate insurance in effect
         to cover loss or damage to the Mortgaged Property by flood.

      (h) Building, zoning, and other required permits covering construction of
         any proposed improvements to the Mortgaged Property.

      (i) At Borrower's expense, a current survey and site plan showing the
         outline of the Mortgaged Property, all matters shown in Schedule B,
         Section 2 of the Title Commitment, all utility lines and easements
         serving or necessary to serve the Mortgaged Property (including
         abandoned sewer lines), all set-back lines, and all easements and
         rights of way existing or of record. Said survey shall be currently
         dated and shall be prepared in accordance with (i) the current Minimum
         Standard Detail Requirements for ALTA/ACSM Class A Land Title Surveys
         (the "Minimum Requirements"); (ii) requirements of Ohio statutes; and
         (iii) standards of the Ohio Society of Professional Land Surveyors,
         bearing a proper certificate by the surveyor, which certificate shall
         include the legal description of the land Mortgaged Property, shall be
         made in favor of BRM Quarry Co., LLC and the Title Company, and contain
         such other certifications as are contemplated by the Minimum
         Requirements and applicable Ohio statutes. The survey shall also show
         (i) whether there are any encroachments onto the Mortgage

                                  Exhibit 10.2
                                  Page 7 of 33

<PAGE>

         Property, or of the buildings, improvements, foundation or other
         structures on the Mortgaged Property onto adjoining property; (ii)
         whether the Mortgaged Property is located in an area designated by the
         Secretary of Housing and Urban Development as having special flood
         hazards and (iii) such additional information as may reasonably be
         required by BRM Quarry Co., LLC or the Title Company. The survey shall
         be subject to the approval of BRM Quarry Co., LLC and certified by an
         Ohio registered land surveyor approved by BRM Quarry Co., LLC.

     (j) Evidence that all utility services necessary for construction and use
         of the improvements now located or to be hereafter erected on the
         Mortgaged Property (including, without limitation, electric, gas,
         telephone, water and sewer service) are available to the Mortgaged
         Property and the Borrower has the right to connect to and use all
         utility services without restriction; and that all necessary easements
         to provide such utility services to the Mortgaged Property have been
         obtained.

     (k) The Federal Tax Identification Number or Social Security Number of
         each Borrower and Guarantor.

   3. Representations and Warranties. In addition to the representations and
      warranties contained in the Loan Documents, Borrower hereby makes the
      following representations and warranties which are true and correct on the
      date hereof and shall continue to be true and correct at the time of any
      advances made by BRM Quarry Co., LLC to Borrower and until the Loan shall
      have been paid in full:

     (a) Organization-Corporation, Limited Liability Company and Partnership.
         If Borrower is a corporation, Borrower is duly organized, validly
         existing, and in good standing under the laws of the jurisdiction in
         which Borrower is incorporated or was formed. If Borrower is a limited
         liability company, Borrower is validly organized, existing and in full
         force and effect under the laws of the jurisdiction in which Borrower
         was organized. If Borrower is a Partnership, Borrower is properly
         organized, registered and existing under the laws of the jurisdiction
         in which Borrower was formed. Borrower has the power and authority to
         own its properties and assets, to carry on its businesses as now being
         conducted and is qualified to do business in every jurisdiction in
         which it is required to qualify to do business.

     (b) Validity and Binding Nature. Borrower has the power and capacity to
         execute, deliver and perform this Agreement, the Loan Documents, and to
         execute and deliver any other documents evidencing or relating to the
         Loan; and when executed and delivered, this Agreement, the Loan
         Documents and any other documents required by BRM Quarry Co., LLC will
         be a valid and binding obligation of Borrower, enforceable in
         accordance with their terms; provided, however, that this
         representation with respect to enforceability is limited by bankruptcy,
         insolvency or other laws of general application relating to or
         affecting the enforcement of creditors' rights.

                                  Exhibit 10.2
                                  Page 8 of 33

<PAGE>

     (c) Due Authorization-Corporation, Limited Liability Company and
         Partnership. The execution, delivery and performance of this Agreement,
         the Loan Documents and any other documents evidencing or relating to
         the Loan, have been duly authorized by all corporate, limited liability
         company or partnership action, as applicable, required for the lawful
         creation and issuance of such documents and will not violate any
         provisions of law, rule or regulation, or any order of any court or
         governmental agency, the charter documents and bylaws of , articles of
         organization and membership agreement of, or partnership agreement, as
         applicable, or Borrower.

     (d) Conflicting Instruments. The execution, delivery and performance of
         this Agreement, the Loan Documents and any other documents evidencing
         or relating to the Loan will not violate any provisions of any
         indenture, agreement or other instrument to which Borrower or any of
         Borrower's properties or assets are bound, and will not be in conflict
         with, result in a breach of , or constitute (with due notice and/or
         lapse of time) a default under any such indenture, agreement or other
         instrument, or result in the creation or imposition of any lien, charge
         or encumbrance of any nature whatsoever upon any of the properties or
         assets of Borrower, other than those created by the Loan Documents.

     (e) Authorization and Consents. No authorization, consent, approval,
         license or exemption of, and not registration, qualification,
         designation, declaration or filing with any court or government
         department, commission, board, bureau, agency or instrumentality,
         domestic or foreign, is necessary to the valid execution and delivery
         of this Agreement, the Loan Documents or any other documents evidencing
         or relating to the Loan.

     (f) Financial Condition. The most recent financial statements of Borrower
         delivered to BRM Quarry Co., LLC are true and correct and represent
         fairly Borrower's financial position as of the date thereof; and show
         all known liabilities, direct or contingent, of Borrower as of the date
         thereof. Since the date of such financial statements, there has been no
         material adverse change in the condition, financial or otherwise, of
         Borrower or in the business and properties of Borrower and, since such
         date, Borrower has not incurred, other than in the ordinary course of
         business, any indebtedness, liabilities, obligations or commitments,
         contingent or otherwise.

     (g) Litigation. Except as previously disclosed in writing to BRM Quarry
         Co., LLC prior to the date of this Agreement, there is no action, suit
         or proceeding at law or in equity or by or before any governmental
         instrumentality or other agency now pending, or to knowledge of
         Borrower, threatened by or against or affecting Borrower or any of
         Borrower's properties or fights of Borrower which, if adversely
         determined, would impair the right of Borrower to carry on its business
         substantially as now conducted or would adversely affect the financial
         condition, business or operations of Borrower.

     (h) Misrepresentation. Neither this Agreement nor any other document,
         statement, financial statement or certificate furnished to BRM Quarry
         Co., LLC on behalf of Borrower in connection herewith, contains an
         untrue statement of a material fact with respect to the financial
         condition or properties of Borrower or omits to state a material fact
         necessary to make the statements contained therein not misleading or,
         insofar as Borrower can now foresee, may in the future materially
         adversely affect the financial condition or

                                  Exhibit 10.2
                                  Page 9 of 33

<PAGE>

         properties of Borrower which has not been set forth in this Agreement
         or in a document, statement, financial statement or certificate
         furnished to BRM Quarry Co., LLC in connection herewith.

   4. General Covenants. In addition to the covenants contained in the Loan
      Documents, Borrower hereby covenants and agrees that, so long as all or
      part of the Loan is outstanding, Borrower shall, except as BRM Quarry Co.,
      LLC may otherwise agree in writing:

     (a) Financial Statements-Annual. Furnish to BRM Quarry Co., LLC within
         ninety (90) days after the end of each fiscal year of Borrower, and at
         BRM Quarry Co., LLC's request at any time while the Loan is
         outstanding: a financial statement of Borrower's profit, loss and
         surplus for such fiscal year, and a balance sheet as of the end of such
         fiscal year, in each case setting forth in comparative form the
         corresponding figures for the preceding fiscal year, all in reasonable
         detail; and a copy of Borrower's annual operating statement setting
         forth, in such detail as BRM Quarry Co., LLC may require, the current
         rent roll, income and expenses derived from and attributable to
         Borrower's Property. BRM Quarry Co., LLC may require the statements to
         be certified by an independent certified public accountant. Borrower
         will submit to BRM Quarry Co., LLC annually a copy of such Borrower's
         current tax return, including all schedules thereto.

     (b) Financial Statements-Other. Furnish BRM Quarry Co., LLC each financial
         statement required to be delivered to BRM Quarry Co., LLC by any
         supplement, addendum or amendment hereto, and such other information
         concerning the financial or business affairs of Borrower as may be
         requested by BRM Quarry Co., LLC from time-to-time.

     (c) Property. Maintain and keep all of Borrower's property in good repair,
         working order and condition and make or cause to be made all necessary
         or appropriate repairs, renewals, replacements, substitutions,
         additions, betterments and improvements thereto so that the efficiency
         of all such properties shall at all times be properly preserved and
         maintained.

     (d) Taxes and Assessments. Duly pay and discharge all taxes, assessments
         and governmental charges levied upon or assessed against Borrower or
         against Borrower's properties or income prior to the date on which
         penalties are attached thereto, unless and except to the extent only
         that such taxes, assessments and charges shall be contested in good
         faith and by all appropriate proceedings diligently conducted by
         Borrower (unless and until foreclosure, distraint, sale or other
         similar proceedings shall have been commenced) and provided that a
         reserve or other appropriate provisions for payment thereof shall have
         been made.

     (e) Litigation. Promptly give notice in writing to BRM Quarry Co., LLC of
         the occurrence of any material litigation, arbitration or governmental
         proceeding affecting Borrower, and of any governmental investigation or
         labor dispute pending or, to the knowledge of Borrower, threatened
         which could reasonably be expected to interfere substantially with
         normal operations of the business of Borrower or materially adversely
         affect the financial condition of Borrower.

                                  Exhibit 10.2
                                  Page 10 of 33

<PAGE>

     (f) Books and Records. Maintain and keep proper records and books of
         account in conformance with generally accepted accounting principles
         applied on a consistent basis in which full, true and correct entries
         shall be made of all its dealings and business affairs.

     (g) Access to Properties, Books and Records. Permit any of the officers,
         employees or representatives of BRM Quarry Co., LLC to visit and
         inspect any of the properties of Borrower and to examine Borrower's
         books and records and discuss the affairs, finances and accounts of
         Borrower with representatives thereof, during normal business hours,
         and as often as BRM Quarry Co., LLC may request.

     (h) Financial Information-Guarantors. Cause any third party guarantor of
         the Loan to submit annually and at any time there is a material change
         in their financial position, personal or business financial statements
         containing such financial information as may be requested by BRM Quarry
         Co., LLC from time-to-time.

     (i) Other Obligations. Maintain all obligations of Borrower in whatsoever
         manner incurred, including, but not limited to, obligations for
         borrowed money or for services or goods purchased by Borrower, in a
         current status.

     (j) Continue of Business. Not engage in any line of business other than
         those in which it is actively engaged in on the date hereof.

     (k) Sale of Assets. Except for sales or other dispositions in the ordinary
         course of business, not sell, lease, transfer or otherwise dispose of
         in a single transaction, or a series of related transactions, all or a
         substantial part of the property and assets of Borrower, whether now
         owned or hereafter acquired.

     (l) Selling Accounts Receivable. Not sell, assign or discount any of its
         accounts receivable or any promissory note held by Borrower, with or
         without recourse, other than the discount of such receivables or notes
         in the ordinary course of business for collection.

     (m) Retirement of Outstanding Stock, Membership Interest or Capital
         Account. Not purchase, redeem or retire or make any distribution on
         account of any shares of the capital stock of Borrower if Borrower is a
         Corporation; not purchase, retire or make any distribution with respect
         to any membership interest of any member if Borrower is a limited
         liability company, or any capital account of any partner of any
         partnership if Borrower is a partnership.

     (n) Change of Ownership. Not permit or suffer the voluntary or involuntary
         transfer or assignment of any shares of the capital stock of Borrower
         if Borrower is a corporation, any membership interest if Borrower is
         limited liability company, or any partnership interest in Borrower if
         Borrower is a partnership.

                                  Exhibit 10.2
                                  Page 11 of 33

<PAGE>

     (o) Organization and Location. Borrower is (indicate one of the
         following); (i) X a corporation a limited liability company a limited
         partnership formed under the laws of the State of OHIO and will not
         change the state of its formation or transfer the Collateral (as
         defined in the Mortgage), or any portion thereof to an entity formed in
         another State. Borrower's exact legal name is as shown in this Loan
         Agreement and Borrower will change its legal name. Borrower's
         organization number if FL933805 and Borrower will not change its
         organization number; or

            (ii) a general partnership or other unregistered organization.
                 Borrower's place of business, or its chief executive office if
                 it has more than one place of business, is located at the
                 Borrower's address specified in the introductory paragraph of
                 this Agreement, and Borrower will not change such place of
                 business or chief executive office without prior written notice
                 to BRM Quarry Co., LLC.

     (p) Insurance. Keep all insurable property, real and personal, now owned
         or hereafter acquired, insured at all times against loss or damage by
         fire and extended coverage risks and other hazards in an amount not
         less than the full replacement value of the Mortgaged Property and the
         improvements thereon with a standard non-contributory mortgagee clause
         in favor of, and in form acceptable to, BRM Quarry Co., LLC and issued
         by companies acceptable to BRM Quarry Co., LLC; if the Mortgage
         Property is included in a flood hazard area, maintain adequate
         insurance to cover loss or damage to the Mortgaged Property by flood;
         deliver to BRM Quarry Co., LLC all policies of insurance, and renewals
         thereof not less than thirty (30) days prior to the expiration of any
         policy; and permit any insurance proceeds to be applied by BRM Quarry
         Co., LLC in it sole discretion either to reduction of the Loan or to
         the restoration or repair of the property damaged.

     (q) Escrow Account. Deposit with BRM Quarry Co., LLC in escrow monthly on
         the date of Borrower's monthly installments of principal and interest
         due under the Loan, a sum equal to one-twelfth (1/12) of all annual
         taxes and assessment and insurance premiums attributable to the
         Mortgaged Property and the improvements thereon as estimated by BRM
         Quarry Co., LLC; and, in addition to the foregoing, Borrower will at
         all times maintain on deposit with BRM Quarry Co., LLC in escrow a
         reserve equal to one-sixth (1/6) of the total anticipated annual
         disbursements for taxes, assessments, and insurance premiums
         attributable to the Mortgaged Property and the improvements thereon as
         estimated by BRM Quarry Co., LLC. No interest will be payable by BRM
         Quarry Co., LLC to Borrower on the funds deposited by Borrower in
         escrow hereunder.

     (r) Guarantees and Contingencies. Not endorse, assume, guarantee, become
         surety for, or otherwise become or remain liable in connection with the
         obligations of any person, firm or corporation, except Borrower may
         endorse negotiable or other instruments for deposit or collection or
         similar transactions in the ordinary course of its business.

                                  Exhibit 10.2
                                  Page 12 of 33

<PAGE>

     (s) Transactions with Affiliates. Not enter into any transaction,
         including, without limitation, the purchase, sale, lease or exchange of
         property, real or personal, or the rendering of any service, with any
         person, firm corporation affiliated with Borrower, except in the
         ordinary course of and pursuant to the reasonable requirements of
         Borrower's business and upon fair and reasonable terms no less
         favorable to Borrower than would be obtained in a comparable
         arm's-length transaction with any other person, firm or corporation not
         affiliated with Borrower.

     (t) Modifications to Other Agreements. Not amend or modify any existing
         agreement with any person, firm or corporation in any manner materially
         adverse to Borrower.

     (u) Notice of Event of Default. Promptly give notice in writing to BRM
         Quarry Co., LLC of the occurrence of any event of default and of any
         condition, event, act or omission which, with the giving of notice or
         the lapse of time or both, would constitute an event of default
         hereunder or under the Loan Documents, or under any agreement or
         document securing, evidencing or relating to the Loan Documents.

     (v) Environmental Matters.

            (i) Borrower shall, and Borrower shall cause all employees, agents,
         contractors and subcontractors of Borrower and any other persons
         present on or occupying the Mortgaged Property to keep and maintain the
         Mortgaged Property, including, without limitation, the soil and ground
         water thereof, in compliance with, and not cause or knowingly permit
         the Mortgaged Property, including the soil and ground water thereof, to
         be in violation of any federal, state or local laws, ordinances or
         regulations relating to industrial hygiene or to the environmental
         conditions thereon (including, but not limited to any "Hazardous
         Materials Laws" and "Wetlands Laws," each as hereinafter defined).
         Neither Borrower nor any employees, agents, contractors, and
         subcontractors of Borrower nor any other persons occupying or present
         on the Mortgaged Property shall: (A) use, generate, manufacture, store
         or dispose of on, under or about the Mortgaged Property or transport to
         or from the Mortgaged Property and flammable explosives, radioactive
         materials, hazardous wastes, toxic substances, or related materials,
         including, without limitation, any substances now or at any time
         hereafter defined as or included in the definition of "hazardous
         substances," under any Hazardous Materials Laws (collectively referred
         to herein as "Hazardous Materials"), except as such may be required to
         be used, stored or transported in connection with the permitted uses of
         the Mortgaged Property and then only to the extent permitted by law
         after obtaining all necessary permits and licenses therefore; or (B)
         perform, cause to be performed or permit any fill activities or other
         acts which would in any way destroy, eliminate, alter, obstruct,
         interfere with or otherwise affect any Wetlands, as defined in 33
         C.F.R.Section.328.3 and in any comparable state and/or local law,
         statute, ordinance, rule or regulation (Wetlands"), in violation of any
         federal, state or local laws, statutes, ordinances, rules or
         regulations pertaining to such Wetlands ("Wetlands Laws"). The
         representation of Borrower contained in this Section 4(v) and the
         indemnification by Borrower of BRM

                                  Exhibit 10.2
                                  Page 13 of 33

<PAGE>

         Quarry Co., LLC contained herein shall relate to activity and
         conditions which existed prior to the date that Borrower obtained title
         to the Mortgaged Property and to conditions and acts which occur during
         the period of time that Borrower has title to the Mortgaged Property.

            (ii) Borrower shall, within ten (10) days, advise BRW Quarry Co.,
         LLC in writing of: (A) any notices (whether such notices are received
         from the Environmental Protection Agency, or any other federal, state
         or local governmental agency or regional office thereof) of violation
         or potential violation which are received by Borrower of any applicable
         federal, state or local laws, ordinances or regulations relating to any
         Hazardous Materials or Wetlands including but not limited to the
         Comprehensive Environmental Response, Compensation and Liability Act of
         1980, as amended, the Hazardous Materials Transportation Act, the
         Resource Conservation Act, the Hazardous Substances Act and the
         Underground Tank Act of 1984 (collectively, "Hazardous Materials Laws")
         or any Wetlands Laws; (B) any and all enforcement, cleanup, removal or
         other governmental or regulatory actions instituted, completed or
         threatened pursuant to any Hazardous Materials Laws or Wetlands Laws;
         (C) all claims made or threatened by any third party against Borrower
         or the Mortgaged Property relating to damage, contribution, cost,
         recovery, compensation, mitigation, loss or injury resulting from any
         Hazardous Materials or Wetlands (the matters set forth in clauses (A),
         (B) and (C) above are hereinafter referred to as "Hazardous Materials
         or Wetlands Claims"); and (D) Borrower's discovery of any occurrence or
         condition on any real property adjoining or in the vicinity of the
         Mortgaged Property that could cause the Mortgaged Property or any part
         thereof to be otherwise subject to any restrictions on the ownership
         occupancy, transferability or use of the Mortgage Property under any
         Hazardous Materials Laws or Wetlands Laws.

            (iii) BRM Quarry Co., LLC shall have the right but not the
         obligation to join and participate in, as a party if it so elects, any
         legal proceedings or actions initiated in connection with any Hazardous
         Materials or Wetlands Claims and to have their reasonable attorneys'
         and consultants' fees in connection therewith paid by Borrower within
         thirty (30) days.

            (iv) Borrower shall be solely responsible for, and shall indemnify
         and hold harmless BRM Quarry Co., LLC, any its directors, officers,
         employees, agents, successors and assigns from and against, and loss,
         damage, cost, expense or liability directly or indirectly arising out
         of or attributable to the use, generation, storage, release, threatened
         release, discharge, disposal or presence (whether prior to or during
         the term of the Loan secured by the Mortgage) of Hazardous Materials or
         to the destruction, elimination, alteration, obstruction, interference
         with, or other change to Wetlands on, under or about the Mortgaged
         Property (whether by Borrower or a predecessor in title or any
         employees, agents, contractors or subcontractors of Borrower or any
         predecessor in title or any third persons at any time occupying or
         present on the Mortgaged Property), including without limitation: (A)
         all foreseeable consequential damages; (B) the cost of any required or
         necessary repair, cleanup, or detoxification of the Mortgaged Property,
         including the soil and ground water thereof, and the preparation and
         implementation of

                                  Exhibit 10.2
                                  Page 14 of 33

<PAGE>

         any closure, remedial or other required plans; (C) damage to any
         Wetlands or natural resources; and (D) all reasonable costs and
         expenses incurred by BRM Quarry Co., LLC in connection with clauses
         (A), (B), and (C), including, but not limited to, reasonable attorneys'
         and consultants' fees; provided, however, that nothing contained in
         this paragraph shall be deemed to create or give any rights to any
         person other than BRM Quarry Co., LLC or its successors and assigns, it
         being intended that there shall be no third party beneficiary of such
         provision, or preclude Borrower from seeking indemnification from, or
         otherwise proceeding against, any third party including, without
         limitation, any fee owner, tenant or predecessor in title to the
         Mortgaged Property.

            (v) Any costs or expenses reasonably incurred by BRM Quarry Co., LLC
         for which Borrower is responsible or for which Borrower has indemnified
         BRM Quarry Co., LLC shall be paid to BRM Quarry Co., LLC on demand, and
         failing prompt reimbursement, shall be added to the indebtedness
         secured by the Mortgage and earn interest at the default rate of
         interest specified in the Note until paid in full.

            (vi) Without BRM Quarry Co., LLC's prior written consent, which
         shall not be unreasonably withheld, Borrower shall not take any
         remedial action in response to the presence of any Hazardous Materials
         or Wetlands on, under or about the Mortgaged Property nor enter into
         any settlement agreement, consent decree or other compromise in respect
         to any Hazardous Material or Wetlands Claims, which remedial action,
         settlement, consent or compromise might, in BRM Quarry Co., LLC's
         reasonable judgment, impair the value of BRM Quarry Co., LLC's security
         hereunder; provided, however, BRM Quarry Co., LLC's prior consent shall
         not be necessary in the event that the presence of Hazardous Materials
         or Wetlands on, under or about the Mortgaged Property either possess an
         immediate threat to the health, safety or welfare of any individual or
         is of such a nature that an immediate remedial response is necessary
         and it is not possible to obtain BRM Quarry Co., LLC's consent before
         taking such action, provided that in such event Borrower shall notify
         BRM Quarry Co., LLC as soon as practicable of any action so taken BRM
         Quarry Co., LLC agrees not to withhold its consent where such consent
         is required hereunder, if either: (A) a particular remedial action is
         ordered by a court competent jurisdiction or a governmental agency; or
         (B) Borrower establishes to the reasonable satisfaction of BRM Quarry
         Co., LLC that there is no reasonable alternative to such remedial
         action which would result in less impairment of BRM Quarry Co., LLC's
         security hereunder.

            (vii) Upon BRM Quarry Co., LLC's request, Borrower has retained or
         shall retain, at Borrower's sole cost and expense, a licensed
         geologist, industrial hygienist or an environmental consultant
         (referred to herein as the "Consultant") to conduct a baseline
         investigation of the Mortgaged Property for the presence of Hazardous
         Materials or Wetlands ("Environmental Audit"). The Environmental Audit
         shall be performed in a manner reasonably calculated to discover the
         presence of Hazardous Materials contamination or Wetlands; provided,
         however, such investigation shall be of a scope and intensity no
         greater than a baseline investigation conducted in accordance with the
         general standards of persons providing such services taking into
         consideration the

                                  Exhibit 10.2
                                  Page 15 of 33

<PAGE>

         known uses of the Mortgaged Property and other property in the vicinity
         of the Mortgaged Property and any factors unique to the Mortgaged
         Property. The Consultant shall concurrently deliver the results of its
         investigation in writing directly to Borrower and BRM Quarry Co., LLC.
         Such results shall be kept confidential by Borrower and BRM Quarry Co.,
         LLC unless disclosure is legally compelled or disclosure is reasonable
         required in order to pursue rights or remedies provided herein or at
         law.

            (viii) Borrower's representations, warranties and obligations under
         this Section 4(v) shall not be terminated, released, discharged,
         extinguished or otherwise affected by any foreclosure of any
         indebtedness or obligation, any satisfaction of the indebtedness
         secured by the Mortgage or the release or discharge of the Mortgaged
         Property or any other action or thing, except and unless such
         representations, warranties and obligations are expressly released in
         writing by BRM Quarry Co., LLC, which writing shall refer particularly
         to this Section. This provision may be enforced at any time by BRM
         Quarry Co., LLC and, without limiting the foregoing, shall survive the
         payment or other satisfaction by any means of the obligations evidence
         by the Note and the release and discharge of the Mortgage, except in
         the case of a specific release as to this paragraph, as referred to
         above.

   5. General Provisions.

      (a) Lien; Set-Off; Future Advances. Borrower hereby grants to BRM Quarry
         Co., LLC a continuing lien for all indebtedness of Borrower to BRM
         Quarry Co., LLC a continuing lien for all indebtedness of Borrower to
         BRM Quarry Co., LLC upon any and all monies, securities and other
         property of Borrower and the proceeds thereof, now or hereafter held or
         received by or in transit to, BRM Quarry Co., LLC from or for Borrower,
         whether for safekeeping, custody, pledge, transmission, collection or
         otherwise, and also upon any and all deposits (general or special) and
         credits of Borrower with, and any and all claims of Borrower against
         BRM Quarry Co., LLC, at any time existing. Upon the occurrence of any
         Event of Default (as defined in the Mortgage), BRM Quarry Co., LLC is
         hereby authorized at any time and form time-to-time without notice to
         Borrower to setoff, appropriate and apply all items hereinabove
         referred to against all indebtedness of Borrower to BRM Quarry Co.,
         LLC, whether under this Agreement, the Note, the Loan Documents or
         otherwise, and whether now existing or hereafter arising. Borrower
         acknowledges and agrees that the Mortgage is intended to, and shall,
         secure not only the original indebtedness evidence by the Note, but any
         and all future advances made by BRM Quarry Co., LLC to Borrower and the
         BRM Quarry Co., LLC shall have a lien by virtue of the Mortgage on the
         Mortgaged Property to secure all other liabilities and indebtedness,
         direct or contingent, now or hereafter owing by Borrower to BRM Quarry
         Co., LLC; provided, however, in the event the Mortgaged Property is
         used or is expected to be used as the principal residence of the
         Borrower, then the foregoing shall not operate to grant a lien unless
         such future advances or liabilities, other than the original
         indebtedness evidenced by the Note, arise from transactions that are
         exempt under any truth-in-lending law or regulation.

                                  Exhibit 10.2
                                  Page 16 of 33

<PAGE>

      (b) Waivers. The provisions of this Agreement may from time-to-time be
         waived in writing by BRM Quarry Co., LLC in its sole discretion. Any
         such waiver of any kind on the part of BRM Quarry Co., LLC of any
         breach or default under this Agreement or any waiver of any provision
         or condition of this Agreement must be in writing and shall be
         effective only to the extent set forth in such writing. No course of
         dealing and no delay or omission by BRM Quarry Co., LLC in exercising
         any right or remedy hereunder shall operate as a waiver thereof or of
         any other right or remedy, and no single or partial exercise thereof
         shall preclude any other or further exercise thereof or the exercise of
         any other right or remedy.

      (c) Financial Covenants. Compliance or noncompliance with all financial
         covenants of Borrower contained herein, or in any supplement, addendum
         or amendment hereto, shall be determined in accordance with generally
         accepted accounting principles applied on a consistent basis. All
         financial statements of Borrower required to be delivered to BRM Quarry
         Co., LLC hereby, or by any written supplement now or hereafter executed
         by Borrower in which reference to this Agreement is made, shall be
         prepared on the basis of generally accepted accounting principles
         applied on a consistent basis.

      (d) Binding Nature. The rights and privileges of BRM Quarry Co., LLC
         contained in this Agreement shall inure to the benefit of its
         successors and assigns, and the duties of Borrower shall bind all
         heirs, personal representatives, successors and assigns. "Borrower"
         refers individually and collectively to all signers of this Agreement,
         including, in the case of any partnership, all general partners of such
         partnership individually and collectively, whether or not such partners
         sign below. Each of the signers shall be jointly and severally bound by
         the terms hereof, and, with respect to any partnership executing this
         Agreement, each general partner shall be bound hereby both in such
         general partner's individual and partnership capacities.

      (e) Governing Law. Time of performance hereunder is of the essence of this
         Agreement. This Agreement and any written supplement hereto executed by
         Borrower in which reference to this Agreement is made shall in all
         respects be governed by the laws of the State of Ohio (except to the
         extent that federal law or the Uniform Commercial Code governs).

      (f) Severability. If any provision hereof shall for any reason be held
         invalid or unenforceable, no other provision shall be affected thereby,
         and this Agreement shall be construed as if the invalid or
         unenforceable provision had never been a part of it. The descriptive
         headings hereof are for convenience only and shall not in any way
         affect the meaning or construction of any provision hereof.

      (g) Gender and Number. All the terms and words used in this Agreement,
         regardless of the number and gender in which they are used, shall be
         deemed and construed to include any other number, singular and plural,
         and any other gender, masculine, feminine, or neuter, as the context or
         sense of this Agreement or any paragraph or clause herein may require,
         the same as if such words had been fully and properly written in the
         number and gender.

                                  Exhibit 10.2
                                  Page 17 of 33

<PAGE>

      (h) Attorneys' Fees. Borrower agrees to pay BRM Quarry Co., LLC's cost and
         reasonable attorneys' fees in collecting or enforcing payment of
         amounts due BRM Quarry Co., LLC pursuant to this Agreement and the Loan
         Documents. With respect to any agreement by Borrower in this Loan
         Agreement or in any or in any of the other Loan Documents to pay BRM
         Quarry Co., LLC's attorneys' fees and disbursements incurred in
         connection with the Loan, Borrower agrees that each Loan Document is a
         "contract of indebtedness" and that the attorneys' fees and
         disbursements reference are those which are a reasonable amount, all as
         contemplated by Ohio Revised Code Section 1301.21, as such Section may
         hereafter be amended. Borrower further agrees that the indebtedness
         incurred in connection with the Loan is not incurred for purposes that
         are primarily personal, family or household and confirms that the total
         amount owed on the contract of indebtedness exceeds One Hundred
         Thousand and No/100 Dollars ($100,000.00).

      (i) Entire Agreement. This Agreement and the Loan Documents contain the
         entire understanding of the parties concerning the Loan, and supersede
         all prior agreements, negotiations and undertakings between the parties
         with respect to the Loan. No representations, warranties, agreements or
         undertakings, expressed or implied, oral or written, have been made to
         or with Borrower or any guarantor of the Loan not contained in this
         Agreement or the Loan Documents. No waiver and no modification or
         amendment of any provision of this Agreement or the Loan Documents
         shall be effective unless specifically made in writing and duly signed
         by the party to be bound thereby.

   6. WAIVER OF JURY TRIAL. BORROWER AND BRM QUARRY CO., LLC HEREBY KNOWINGLY,
      VOLUNTARILY AND INTENTIONALLY WAIVE ANY RIGHT WHICH EACH MAY HAVE TO A
      TRIAL BY JURY IN RESPECT OF ANY LITIGATION BASED UPON THE NOTE, THIS
      AGREEMENT, OR ANY OF THE OTHER LOAN DOCUMENTS OR ARISING OUT OF, UNDER OR
      IN CONJUNCTION WITH ANY SUCH LOAN DOCUMENTS, OR ANY DOCUMENT CONTEMPLATED
      TO BE EXECUTED IN CONJUNCTION THEREWITH, OR ANY COURSE OF CONDUCT,
      DEALING, STATEMENTS (WHETHER VERBAL OR WRITTEN) OR ACTIONS OF ANY PARTY.
      THIS PROVISION IS A MATERIAL INDUCEMENT FOR BRM QUARRY CO., LLC ENTERING
      INTO THIS AGREEMENT.

   7. Special Covenants. In addition to the covenants contained herein or in the
      Loan Documents, Borrower hereby agrees that so long as the Loan is
      outstanding, Borrower shall, except as BRM Quarry Co., LLC may grant its
      prior written consent comply with the special provisions or covenants set
      forth in any written supplement hereto, now or hereafter executed by
      Borrower.

                                  Exhibit 10.2
                                  Page 18 of 33

<PAGE>

      EXECUTED as of the day and year fist above written.

BORROWER: AMERICAN STONE CORPORATION, AN OHIO CORPORATION

By: /s/ Russell Ciphers
    ------------------------------------
    RUSSELL CIPHERS, PRESIDENT

BRM QUARRY CO., LLC, an Ohio limited liability company

By:
    ------------------------------------
        BRUNO BERARDINELLI, MEMBER

                                  Exhibit 10.2
                                  Page 19 of 33

<PAGE>

                     OPEN-END MORTGAGE DEED, FIXTURE FILING
                             AND SECURITY AGREEEENT

            (TOTAL PRINCIPAL INDEBTEDNESS NOT TO EXCCED $600,000.00)

      KNOWN ALL MEN BY THESE PRESENTS, that AMERICAN STONE CORPORATION, an Ohio
CORPORATION, having its principal place of business at 230 WEST MAIN STREET,
SOUTH AMHERST, OHIO 44001 ("Grantor"), for the consideration of Ten Dollars
($10.00) and other valuable consideration received to its full satisfaction of
BRM Quarry Co., LLC, having a place of business at 23280 Pheasant Lane,
Westlake, Ohio 44145 ("Grantee"), does give, grant, bargain, sell and convey,
with "mortgage covenants" (as defined in Section 5302.13 of the Ohio Revised
Code), unto said Grantee, its successors and assigns forever, the following
described real and personal property:

      All the right, title and interest which the Grantor has or may have in and
to that certain piece or parcel of real estate situated in the City of SOUTH
AMHERST, County of LORAIN, State of Ohio, and more particularly described on
Exhibit A attached hereto and made a part hereof (the "Real Estate").

      Together with the following:

      (a) All buildings, structures, fixtures and improvements of every kind and
description now or hereafter erected or placed upon the Real Estate and all
materials intended for construction, reconstruction, alteration and repairs of
such improvements now or hereafter erected thereon, all of which shall be deemed
to be included within the Mortgage Property (hereinafter defined) immediately
upon the delivery thereof to the Real Estate, and all fixtures and goods of
every nature whatsoever, whether real, personal or mixed real and personal
property, now or hereafter owned by the Grantor and attached to, located in or
on, or used, or intended to be used, in connection with the Real Estate,
including, but not limited to, all machinery, equipment, engines, boilers,
incinerators, appliances, elevators, heating, ventilating and air conditioning
equipment, electrical and office equipment, furniture, furnishings, plumbing,
lighting and landscaping and all renewals or replacements thereof or articles in
substitution therefore, whether or not the same are or shall be attached to any
of said buildings or improvements in any manner, and all products, proceeds
and/or replacements of any of the foregoing; it being mutually agreed that all
the aforesaid property owned by the Grantor and placed by it on the Real Estate
shall, so far as permitted by law, be deemed to be fixtures and a part of the
Real Estate, security for the said indebtedness and covered by this Mortgage,
and as to the balance of the property aforesaid, this Mortgage is hereby deemed
to be, as well, a Security Agreement for the purposes of creating hereby a
security interest in said property, securing the said indebtedness, for the
benefit of the Grantee, all of the aforesaid property being hereinafter
sometimes collectively called the "Improvements";

      (b) All right, title and interest of the Grantor in and to the land lying
in the streets and any ways, public or private in front of, along the side of
and to the rear of and adjoining the Real Estate, and all tenements,
hereditaments, easements, appurtenances and other rights and privileges thereto
attaching and belonging or in any way appertaining, and the rents, issues,
profits, accounts receivables, contract rights, insurance and condemnation
proceeds and general intangibles thereof or therefrom;

                                  Exhibit 10.2
                                  Page 20 of 33

<PAGE>

      (c) All rents, issues, income, revenues, proceeds and profits accruing and
to accrue from the Real Estate and/ or the Improvements;

      (d) All and each of the tenements, hereditaments, easements, appurtenances
and privileges thereof or in any way now or hereafter appertaining, and the
reversion and reversions and remainder and remainders thereof;

      (e) All rights, title and interest now owned or hereafter acquired by
Grantor in and to any leases for equipment or personal property of any kind or
nature used in connection with the Real Estate or the Improvements;

      (f) All awards and other compensations heretofore or hereafter to be made
to the present and/or any subsequent owners of the Mortgage property for any
taking be eminent domain, either permanent or temporary, of all or any part of
the Real Estate and/or the Improvements and/or any easement or appurtenance
thereof, including severance and consequential damages and changes in grad of
streets, which said awards and compensation are hereby assigned to the Grantee;
and the Grantor hereby appoints the Grantee its attorney-in-fact ("Attorney")
coupled with an interest, and authorizes, directs and empowers such Attorney, at
the option of the Attorney, on behalf of the Grantor or the successors or
assigns of the Grantor, to adjust or compromise the claim for any award and to
collect and receive the proceeds thereof, to give proper receipts and
acquittances therefore and, after deducting expenses of collection, to apply the
net proceeds as a credit upon any portion, as selected by the Grantee, of the
indebtedness secured hereby, notwithstanding the fact that the amount owing
thereof may not then be due and payable or that the indebtedness is otherwise
adequately secured;

      (g) All permits, licenses and franchises, and all contract rights, general
intangibles and other intangibles now or hereafter owned by the Grantor and
relating to the ownership, construction, use, operation or development of the
Mortgaged Property including, without limitation, any plans, specifications and
drawings pertaining to the Mortgaged Property and all cash payments made
pursuant thereto and any thereof; and

      (h) All liquor permits, if any, issued by the State of Ohio, Department of
Liquor Control, in connection with the Real Estate, and the right to renew and
transfer all such liquor permits including renewals or replacements thereof.

      The hereinabove mentioned property consisting of the Real Estate and
Improvements is hereinafter referred to as the "Realty" to the extent the same
is Real Estate and as the "Collateral" to the extent that the same is
personalty. The Real Estate and the Collateral are collectively referred to
herein as the "Mortgaged Property".

      TO HAVE AND TO HOLD, all and singular, the above granted Mortgaged
Property, real and personal, whether now owned or held or hereafter acquired by
the Grantor, unto the Grantee, its successors and assigns, forever. And Grantor
does hereby covenant with Grantee, its successors and assigns, that at and until
the ensealing of these presents, Grantor is well seized of the Real Estate as a
good and indefeasible estate in FEE SIMPLE, and has good right to bargain and
sell the same in manner and form as is above written, and that the same are free
from all encumbrances whatsoever except the lien of taxes and assessments which
are not yet due and payable and those matters set forth

                                  Exhibit 10.2
                                  Page 21 of 33

<PAGE>

on Exhibit B attached hereto and made a part hereof (the "Permitted
Encumbrances"), and that Grantor WARRANTS and WILL DEFEND the same to Grantee,
its successors and assigns forever, against all lawful claims and demands
whatsoever, except as above set forth.

      WHEREAS, the Grantor has executed and delivered this Mortgage for the
purpose of securing the performance of the covenants and agreements and payment
when due of:

            (a) that certain Cognovit Promissory Note dated July 8 , 2004 ,
payable by Grantor to Grantee, together with all modifications and amendments
thereto, and notes given in replacement or substitution thereof, in the
principal sum of $600,000.00 (the "Note"), together with interest computed at
the rte therein specified, containing provisions for the payment thereof in
installments, the entire principal balance of the Note, together with all
accrued but unpaid interest thereon, being due and payable on July 15 , 2006 ,
it being expressly agreed in the Note that the whole of said principal sum then
unpaid may be declared and become due and payable upon the occurrence of an
event of default, or breach under the provisions of this Mortgage, the Note or
the Loan Agreement (as hereinafter defined); and

            (b) all sums expended or advance by Grantee pursuant to any term or
provision of this Mortgage or of a certain Loan Agreement entered into between
Grantor and Grantee dated July 8, 2004 (the "Loan Agreement") which Loan
Agreement sets forth certain terms of a loan (the "Loan") by Grantee to Grantor
which is secured by this Mortgage;

            (c) all unpaid advances made by Grantee, with respect to the
Mortgaged Property, for the payment of taxes, assessments, insurance premiums,
or costs incurred for the protection of the Mortgaged Property as provided in
Section 5301.233 of the Ohio Revised Code;

            (d) the unpaid balances of any loan advances made after the delivery
of this Mortgage to the recorder for recordation, and all other liabilities and
indebtedness, direct or contingent, now or hereafter owing by Grantor to
Grantee, other than as provided in (b) and (c) above, to the extent that such
total unpaid loan indebtedness secured hereby, exclusive of the interest
thereon, does not exceed Six Hundred Thousand and 00/100 dollars ($600,000.00).

      AND FURTHERMORE, Grantor further covenants and agrees as follows:

      1. Grantor shall cause to be performed and obligations of the Grantor
hereunder, under the Note and under every other agreement or instrument securing
the Note, and will pay to the Grantee the principal of the Note with interest
and all other sums required to be paid by the Grantor under the Note, this
Mortgage and every other agreement or instrument securing the Note when due.

      2. Grantor will keep the Mortgage Property insured by companies approved
by Grantee against loss or damage by, and abatement of rental income, resulting
from fire, hazards included within the term "extended coverage" and all perils
included under special form coverage. Grantor covenants to maintain flood
insurance if required by Grantee. All perils insured, with the exception of
flood, shall be in an amount not less than the full replacement value of all
Improvement on the Real Estate and in any event, in an amount necessary to
prevent the operation of any co-insurance provision contained in any policy of
such insurance. If requested by Grantee, Grantor agrees to furnish a certificate
from the company carrying such insurance acknowledging such insurance is
adequate in an

                                  Exhibit 10.2
                                  Page 22 of 33

<PAGE>

amount to prevent the operation of any co-insurance provision contained therein.
Grantor will pay promptly when due any premiums on such insurance. All policies
of insurance and renewals thereof shall be delivered to and held by Grantee and
include standards non-contributory mortgagee clauses in favor of and in form
acceptable to Grantee entitling Grantee to collect any and all proceeds payable
under all such insurance. Each policy will contain provisions requiring the
insurer to provide thirty (30) days prior written notice to Grantee of the
termination or non-renewal of such policy. Not less than thirty (30) days before
the expiration of any such policies, Grantor will deliver to Grantee renewal
policies in like amounts covering the same risks. Should any loss occur to the
insured property, Grantor will give immediate written notice to Grantee and will
not adjust nor settle such loss without the written consent of Grantee, which
may make proof of loss if not made promptly by Grantor. The insurance proceeds
or any part thereof may be applied by Grantee in its sole discretion, either to
reduction of the indebtedness hereby secured or to restoration or repair of the
property damaged. In event of foreclosure of this Mortgage, all right, title and
interest of Grantor in and to any insurance policies then in force shall pass to
the purchaser at foreclosure sale, and Grantee is hereby appointed
attorney-in-fact for Grantor for the purpose of assigning and transferring such
policies.

      3. Grantor will pay all taxes, assessments, utility charges, water, sewer
and other governmental or municipal charges, fines or impositions levied upon
the Mortgaged Property for which provision has not been made herein, and, upon
request, Grantor will promptly deliver the official receipts therefore to
Grantee.

      4. For the purpose of depositing with Grantee funds sufficient to pay all
taxes and assessments and insurance premiums as they become payable, Grantor
shall pay monthly to Grantee, in addition to the other amounts herein provided,
a sum equal to one-twelfth (1/12) of all annual taxes and assessments and
insurance premiums attributable to the Real Estate and the Improvements as
estimated by the Grantee; and, in addition to the foregoing, Grantor will at all
times maintain on deposit with Grantee in escrow a reserve equal to one-sixth
(1/6) of the total anticipated annual disbursements for taxes and assessments
and insurance premiums attributable to the Real Estate and the Improvements as
estimated by BRM Quarry Co., LLC. If the total amount deposited by Grantor with
Grantee for payment of such items in any period shall exceed the total amount of
the payments actually made by Grantee plus the one-sixth reserve amount, such
excess shall at the option of Grantee be (1) retained and credited against
subsequent payments to be made by Grantor, (2) applied on the debt secured by
this Mortgage, or (3) refunded to Grantor. If, however, such payments shall not
be sufficient to pay the total amount of such items when the same shall be due
and payable and maintain the one-sixth reserve amount, then Grantor shall pay to
Grantee on demand any amount necessary to make up the deficiency. Grantee shall
not be required to pay any interest to Grantor on the funds deposited pursuant
to this Section 4.

      5. Grantee, its successors or assigns, shall have the right, but not the
obligation, to pay any insurance premiums, taxes, assessments, water and sewer
rents, and municipal or other governmental charges, utility charges, fines or
impositions, which Grantor has agreed to pay and to make any other payments
herein provided to be made by Grantor, and any amounts so paid by Grantee
together with any amounts paid by Grantee for protection of the Mortgaged
Property shall then be added to the principal debt named herein and bear
interest at the same rate as the Default Rate of Interest as specified in the
Note from the date of such payment until paid, and be secured by this Mortgage
as all are provided for in Section 5301.233 of the Ohio Revised Code; such
amounts and such interest shall

                                  Exhibit 10.2
                                  Page 23 of 33

<PAGE>

Be payable upon demand of Grantee. Grantee shall have a lien on the Real Estate
by virtue of this Mortgage to secure payment of each and every other liability,
whether now or hereafter existing, of Grantor to Grantee, and whether created
directly between Grantor and Grantee, or acquired by Grantee from some third
person or persons.

      6. Grantor will pay the cost of a title document satisfactory to Grantee
showing title to the Real Estate to be as herein warranted; in the event of any
subsequent change in the title, Grantor will pay the costs of an extension or
addendum to said document showing such title change and will also pay the cost
of changing the insurance and other records in connection with this loan. There
shall be no change in the ownership of the Mortgage Property without the written
consent of Grantee.

      7. Grantor will execute, acknowledge and deliver or cause to be executed,
acknowledge, and delivered, from time-to-time, at the request of Grantee, all
such further deeds, conveyances, mortgages and assignments of rents,
transferring, mortgaging, assigning and confirming unto Grantee the Mortgaged
Property. All awards of damage in connection with any condemnation for public
use of or injury to any of said Mortgaged Property are hereby assigned and shall
be paid to Grantee, who may apply the same to payment of the installments last
due under the Note, and Grantee is hereby authorized, in the name of Grantor, to
execute and deliver valid acquittances thereof and to appeal from any such
award.

      8. As additional and collateral security for payment of the obligations of
Grantor herein described, Grantor hereby sells, assigns, transfers, and sets
over to Grantee all the rents, issues, income and proceeds of whatsoever
description or character presently or hereafter derived or arising from the
Mortgaged Property, and hereby authorizes and directs all tenants and lessees
who shall at any time occupy space in the improvements now or hereafter located
on the Mortgaged Property described herein to pay to the order of Grantee all
rents payable to Grantor upon written request therefore by Grantee, and Grantor
grants to Grantee all Grantor's rights to collect and receive the same and to
institute and maintain any suit or proceeding therefore. The purpose of this
assignment is as further security for the Note. Grantee's receipt for rental so
paid shall be a good acquittance to such tenants and lessees of any claim by
Grantor for such rents so paid. By accepting this Mortgage, Grantee agrees that
it will not exercise its rights pursuant to this assignment unless and until
Grantor is in default in the conditions hereof, the Note or the Loan Agreement.

      9. Should the proceeds of the loan secured by this Mortgage or any part
thereof or any amount paid out or advanced by the Grantee be sued to pay-off,
discharge or satisfy in whole or in part, any lien or encumbrance upon the
Mortgaged Property, or any part thereof, then Grantee shall be subrogated to any
additional security held by the holder of such lien or encumbrance.

      10. Neither the Real Estate, nor the Improvements on the Real Estate shall
be structurally or materially altered, removed or demolished, nor shall any
additional improvements be erected, nor shall any fixtures or equipment on, in
or about the Real Estate or other improvements be severed, removed, sold or
mortgaged, without the consent of Grantee, and in the event of the demolition or
destruction in whole or in part of any of the fixtures, chattels or articles of
personal property covered hereby, the same shall be replaced promptly by similar
fixtures, chattels, and articles of personal property at least equal in quality
and condition as those replaced, free from any security interest in, encumbrance
thereon, or

                                  Exhibit 10.2
                                  Page 24 of 33

<PAGE>

reservation of title thereto. Grantor agrees not to permit, commit or suffer
waste, impairment or deterioration of the Mortgaged Property or any part
thereof; to keep and maintain the Mortgaged Property and every party thereof
with buildings, fixtures, machinery and appurtenances in good repair and
condition; to effect such repairs as Grantee may reasonably require and from
time-to-time to make all needful and proper replacements so that said buildings,
fixtures, machinery and appurtenances will, at all times, be in good condition,
fit and proper for the respective purposes for which they were erected or
installed; to observe and comply with all statutes, orders, requirements or
decrees relating to the Mortgaged Property by any Federal, State, Municipal or
other governmental authority; to observe and comply with all conditions and
requirements necessary to preserve and extend any and all rights, licenses,
permits (including, but not limited to, zoning variances, special exceptions,
and non-conforming uses), privileges, franchises and concessions which are
applicable to the Mortgaged Property or which have been granted to or contracted
for by the Grantor in connection with any existing or presently contemplated use
of the Mortgaged Property; to permit Grantee or its agents, at all reasonable
times, to enter upon and inspect the Mortgaged Property.

      11. Grantor will not voluntarily create or permit to be created or filed
against the Mortgaged Property, any mortgage lien or other liens inferior or
superior to the lien of this Mortgage; and, if any such mortgage lien or other
lien shall be filed, Grantee in its sole discretion may withhold any further
disbursements of funds to Grantor under the Loan, and Grantor will discharge the
same of record either by payment, the bonding thereof, or other lawful means for
discharging any such lien, with sixty (60) days after notice of filing, and on
the failure of the Grantor to perform these covenants, or any part thereof,
thereupon the principal and all arrears of interest shall, at the option of
Grantee, or any holder of the Note, become due and payable, anything contained
herein to the contrary notwithstanding.

      12. Grantor will deliver to Grantee from time-to-time within ten (10) days
after written request or oral request therefore by Grantee any financial
statements or other information requested by Grantee regarding Grantor's
financial condition and business affairs.

      13. To the extent any of the Mortgage Property constitutes personal
property then this Mortgage is hereby deemed to be, as well, a security
agreement for the purpose of creating hereby a security interest securing the
indebtedness secured hereby in and to the Collateral. Without affecting the
validity or enforceability of any other provision of this Mortgage, Grantor by
this Mortgage

            (a) Grants to Grantee a security interest in all of the Grantor's
right, title and interest in and to all Collateral, whether now owned or
existing or hereafter acquired, including, but not limited to, the items
referred to above, together with all additions, accessions and substitutions and
all similar property hereafter acquired and used or obtained for use on, or in
connection with, the Mortgaged Property. This Mortgage constitutes a security
agreement under the Uniform Commercial Code covering all such collateral. The
products and proceeds of the Collateral are intended to be secured hereby;
provided, however, such intent shall never constitute an expressed or implied
consent on the part of the Grantee to the sale of any or all Collateral.

            (b) Agrees that the security interest hereby granted by this
Mortgage shall secure the payment of the indebtedness specifically described and
shall also secure payment of any future debt or advancement owing by Grantor to
Grantee with respect to the Mortgaged Property.

                                  Exhibit 10.2
                                  Page 25 of 33

<PAGE>

            (c) Acknowledges and agrees that this Mortgage shall constitute a
financing statement filed as a fixture filing under Article 9 of the Uniform
Commercial Code, covering and Collateral which now is or later may become
fixtures attached to the Real Estate and/or Improvements. The term "Uniform
Commercial Code" means the Uniform Commercial Code as amended from time to time,
and any successor stature, enacted and in effect at anytime in the relevant
jurisdiction. Without limiting any definition set forth herein or in the Note,
the Loan Agreement or any other document executed in connection therewith, any
term used herein, whether or not defined, that is defined in the Uniform
Commercial Code shall be deemed to have or include the meaning ascribed to such
term in the Uniform Commercial Code.

            (d) The description of the Collateral in the Mortgage includes goods
which are or are to become fixtures on the Real Estate and/or Improvement of
which Grantor is the record owner. For this purpose, the respective addresses of
Grantor, as debtor, and Grantee, as secured party are as set forth in Section 23
below.

            (e) Agrees not to sell, convey, mortgage or grant any security
interest, in, or otherwise dispose of or encumber, and of the Collateral or any
of the Grantee's right, title or interest therein without first securing
Grantee's written consent; Grantee may, at its sole option, require Grantor to
apply the proceeds from the disposition of Collateral in reduction of the
indebtedness secured hereby.

            (f) Agrees that if Grantor's rights in the Collateral are
voluntarily or involuntarily transferred, whether by sale, creation of a
security interest, attachment, levy, garnishment or other judicial process,
without the written consent of Grantee, such transfer constitutes a default by
the Grantor under the terms of this Mortgage.

            (g) Agrees that upon or after the occurrence of any Event of Default
under this Mortgage, or any default under the Note or the Loan Agreement,
Grantee may, with or without notice to Grantor, exercise its rights to declare
all indebtedness secure by the security interest created hereby, immediately due
and payable, in which case Grantee shall have all rights and remedies granted by
law and more particularly the Uniform Commercial Code, including, but not
limited to, the right to take possession of the Collateral, and for this
purpose, may enter upon any Real Estate on which any or all of the Collateral is
situated without being deemed guilty of trespass and without liability for
damages thereby occasioned, and take possession of and operate the Collateral or
remove it therefrom. Grantee shall have the further right to take any action it
deems necessary, appropriate, or desirable, at its option and in it discretion,
to repair, refurbish or otherwise prepare the Collateral for sale, lease or
other us or disposition, and to sell at public or private sales or otherwise
dispose of, lease or utilize the Collateral and any part thereof in any manner
authorized or permitted by law and to apply the proceeds thereof toward payment
of any costs and expenses, including reasonable attorneys' fees thereby incurred
by Grantee and toward payment of Grantor's obligations including the Note and
all other indebtedness described in the Mortgage, in such order and manner as
Grantee may elect. To the extent permitted by law, Grantor expressly waives any
notice of sale or other disposition of the Collateral and any other rights or
remedies of a debtor or formalities prescribed by law, relative to a sale or
disposition of the Collateral or to exercise an other right or remedy existing
after default hereunder. To the extent any notice is deposited for mailing,
postage prepaid, certified or registered mail, to the Grantor at its address
designated herein for notices at least five days before the time of sale or
disposition, such notice shall be deemed reasonable and shall fully satisfy and
requirements for giving of said notice.

                                  Exhibit 10.2
                                  Page 26 of 33

<PAGE>

            (h) Agrees, to the extent permitted by law and without limiting any
rights and privileges herein granted to Grantee, that Grantee may dispose of any
or all of the Collateral at the same time and place upon giving the same notice
provided for in this Mortgage, and in the same manner as the non-judicial
foreclosure sale provided under the terms and conditions of this Mortgage.

            (i) Authorizes Grantee to file, in any jurisdiction determined by
Grantee, financing statements perfecting or continuing the perfection of
Grantee's interest in the Collateral, pursuant to the Uniform Commercial Code in
a form satisfactory to Grantee, and will pay the cost of filing the same and/or
filing or recording this Mortgage, as a financing statements, in all public
offices at any time and from time-to-time wherever Grantee deems filing or
recording of any financing statements or of this Mortgage to be desirable or
necessary.

      14. Grantor represents and warrants that to the best of Grantor's
knowledge there has never been any event ("Environmental Event") which would be
deemed a release or a disposal of any hazardous, toxic or dangerous substance,
waste or material at, on or in connection with the Mortgaged Property
("Hazardous Material") defined as such in or for the purpose of, the
Comprehensive Environmental Response, Compensation and Liability Act, 42 U.S.C.
9601, et seq, any so called "Superfund" or "Superlien" law, or any other
federal, state or local stature, law, ordinance, code, rule, regulation, order
or decree regulating, relating or to imposing liability for any Hazardous
Material ("Environmental Law"). If Grantor received (a) any notice of any
Environmental Event affecting Grantor of the Mortgaged Property or any part
thereof, or (b) any complaint, order, citation or notice with regard to air
emissions, water discharges, noise, emission or any other environmental, health
or safety matter affecting Grantor or the Mortgaged Property or any part thereof
from any court, governmental or quasi governmental agency or other entity which
is authorized by law to issue orders under any Environmental Law or from anyone
else, Grantor shall give, within three (3) days, written notice thereof to
Grantee. Grantor hereby indemnifies and agrees to defend and hold Grantee
harmless from and against any and all claims, demands, losses, cost, expenses,
liabilities, suits or damages of whatsoever kind or nature, including interest,
assessments and reasonable attorneys and consultant fees, which arise, result
from, or in any way relate to a breach or violation of, or any failure of the
Mortgaged Property or any owner, occupant or user thereof either prior to or
subsequent to the date hereof, to comply fully with any such Environmental Law;
and, the foregoing obligation of Grantor shall survive the payment of the
indebtedness secured hereby and the satisfaction and discharge of this Mortgage.
Grantor will immediately upon demand reimburse Grantee for the cost and expense
of any environmental inspection or assessment of the Mortgaged Property obtained
by Grantee on or after the date of this Mortgage, which appraisal or
environmental assessment may be obtained by Grantee in its sole discretion.

      15. An "Event of Default" shall be deemed to have taken place within the
meaning of this Mortgage is case:

          (a) Grantor shall fail to make any payment under the Note or on
account of an other indebtedness of Grantor to Grantee or to any other financial
institution;

          (b) Grantor shall fail to perform or observe any covenant, or
agreement of Grantor herein contained;

                                  Exhibit 10.2
                                  Page 27 of 33

<PAGE>

            (c) Any representation, warranty, certification, or material
information made or furnished to Grantee by or on behalf of the Grantor is
inaccurate or misleading in any material respect which made or furnished;

            (d) Subject to any applicable grace period, Grantor shall fail to
perform or observe any representation, warranty, covenant, condition or
agreement on the part of Grantor to be kept or performed under any contract,
agreement, note, mortgage, pledge agreement, guaranty or any other instrument or
document now or hereafter executed and delivered by Grantor to evidence, to
secure, or in connection with, and indebtedness of Grantor to Grantee (including
without limitation, the Note and the Loan Agreement) or to any other financial
institution;

            (e) Grantor shall abandon any of the Mortgaged Property or shall
sell, lease, convey or transfer (or contract to sell, lease, convey or transfer,
including, but not limited to, land contract) all or any part of the Mortgaged
Property without first obtaining Grantee's written consent, which consent may be
withheld in Grantee's sole discretion;

            (f) Grantor shall, without Grantee's prior written consent, assign
all or any part of the rents and profits of the Mortgaged Property other than to
Grantee, or cancel, surrender or modify any lease affecting the Mortgaged
Property;

            (g) Any party liable for the indebtedness hereby secured shall make
a general assignment for the benefit of creditors, become insolvent or file a
petition for voluntary bankruptcy or shall file a petition or answer seeking
reorganization of such party or an arrangement or composition, extension or
readjustment of his/her/its indebtedness or consent to the appointment of a
receiver or trustee for any such party of his/her/its property or any part
thereof; or

            (h) A petition for proceedings in bankruptcy or for the
reorganization of any party liable for the indebtedness hereby secured or for an
arrangement or composition, extension or readjustment of the indebtedness of any
such party, shall be filed against such party, or a receiver or trustee of any
such party or his/her/its property or any part thereof shall be appointed; and
in any and every such case the Grantee many proceed forthwith to enforce the
same as hereinafter set forth.

      16. Upon the occurrence of and Event of Default, Grantee may take
possession of the Mortgaged Property, rent the same and collect all rents due on
the Mortgaged Property, and after deducting its reasonable charges therefore,
apply the proceeds to the payment of the Note and liabilities created by any of
the agreements above recited, and may so continue to do so until full payment
and performance shall have been thus effected.

      17. Upon the occurrence of and Event of Default, foreclosure proceedings
may be instituted at the option of Grantee, and Grantee may exercise any and all
of the remedies granted to a secured party under the Uniform Commercial Code. In
any such foreclosure action Grantee shall be entitled, without notice and
without regard to the adequacy of the security of the debt, to the appointment
of a receiver of the rents and profits of the Mortgaged Property. If in
contemplation of legal proceedings, by reason of any default hereunder, Grantee
shall incur expense for title examination, the Grantee shall have an immediate
claim against Grantor therefore together with a lien on the Real Estate under
this Mortgage for the amount thereof. In case of foreclosure, the Mortgaged
Property may be offered for sale in one or more parcels at the election of
Grantee. Without limiting any other provisions of this Mortgage,

                                  Exhibit 10.2
                                  Page 28 of 33

<PAGE>

Grantee shall have the right to conduct any such sale on the Real Estate, and
Grantee shall have such right of possession of the Mortgaged Property as shall
be necessary of convenient for such purpose. Grantee may sell the Collateral
without giving any warranties relating to title, possession, quiet enjoyment,
merchantability, fitness or the like as to the Collateral and may specifically
disclaim any warranties, which shall not be considered to adversely affect the
commercial reasonableness of any sale of the Collateral. Grantee has no
obligation to clean up or otherwise prepare the Mortgaged Property for sale.

      18. Grantee is authorized and empowered to do all things provided to be
done by a mortgagee under Section 1311.14 of the Ohio Revised Code, under the
other provisions of Chapter 1311 of the Ohio Revised Code, and any amendments or
supplements thereto.

      19. The failure of Grantee to declare a forfeiture upon default in the
performance of any of the conditions of the Mortgage or upon the happening of
any of the events herein mentioned, shall not be a waiver of Grantee's rights at
any time to declare such forfeiture or estop Grantee from asserting any rights
hereunder, and Grantee may enforce any one or more of its rights or remedies
successively or concurrently at its option.

      20. Grantor will pay all costs or expenses reasonably incurred by Grantee
because of Grantor's failure to pay or perform Grantor's obligation hereunder,
including reasonable attorneys' fees, with interest from the date of payment by
the Grantee of such cost or expense, until paid by Grantor, at a rate per annum
equal to the Default Rate of Interest as specified in the Note. Such amounts
shall be payable by Grantor upon Grantee's demand and shall also be secured
hereby.

      21. Grantor will immediately upon demand reimburse the Grantee for the
cost and expense of any appraisal of the Mortgaged Property obtained by Grantee
on or after the date of this Mortgage if such appraisal is obtained by Grantee
pursuant to the requirements of any law, statute, rule, regulation, interpretive
ruling, opinion or directive, whether now existing or hereafter arising, of any
governmental agency or unit governing, regulating or controlling the activities
or business of Grantee.

      22. Grantee, by causing or consenting to the filing of this Mortgage for
records, acknowledges it is obligated to disburse the entire amount of the
original indebtedness of $600,000.00, including future advances and readvances,
secured hereby in accordance with the provisions of the Loan Agreement and of
this Mortgage provided there shall exist no Event of Default.

      23. Any notice or demand which is made hereunder or under the Note or any
other loan document, shall be delivered by registered or certified mail, return
receipt requested, at the address herein set forth or such other address which
either party may give the other notice of in writing in the manner provided in
this section and such delivery shall be deemed complete upon mailing.

                  GRANTOR: AMERICAN STONE CORPORATION
                           230 WEST MAIN STREET
                           SOUTH AMHERST, OHIO  44001

                  GRANTEE: BRM Quarry Co., LLC
                           23280 Pheasant Lane
                           Westlake, Ohio  44145

                                  Exhibit 10.2
                                  Page 29 of 33

<PAGE>

      24. This Mortgage is made by the Grantor and accepted by the Grantee in
the State of Ohio under the laws of such State and shall be construed,
interpreted, enforced and governed by and in accordance with the laws of such
State, except to the extent that the Uniform Commercial Code provides for the
application of the law of another State.

      25. If any one or more of the covenants, agreements, provisions or terms
in the Note, or in this Mortgage or in any other instrument securing the Note
shall be for any reason whatsoever held invalid, illegal or unenforceable in any
respect then such covenants, agreements, provisions or terms shall be deemed
severable from the remaining covenants, agreements, provisions or terms
contained herein or in the Note or in any other instrument securing the Note and
shall in no way affect the validity or enforceability of the other provisions of
this Mortgage, the Note or any other instrument securing the Note or the rights
of the Grantee.

      26. The provisions of this Mortgage shall bind and inure to the benefit of
the parties hereto and their respective heirs, executors, administrators,
successors and assigns, and the covenants of Grantor herein shall run with the
land.

      27. All the terms and words used in this Mortgage, regardless of the
number and gender in which they are used, shall be deemed and construed to
include any other number, singular and plural, and any other gender, masculine,
feminine, or neuter, as the context or sense of this Mortgage or any paragraph
or clause herein may require, the same as if such words had been fully and
properly written in the number and gender.

      28. GRANTOR AND GRANTEE HEREBY KNOWINGLY, VOLUNTARILY AND INTENTIONALLY
WAIVE ANY RIGHT WHICH EACH MAY HAVE TO A TRIAL BY JURY IN RESPECT OF ANY
LITIGATION BASED UPON THE NOTE, THIS MORTGAGE, OR ANY OF THE OTHER LOAN
DOCUMENTS OR ARISING OUT OF, UNDER OR IN CONJUNCTION WITH ANY SUCH LOAN
DOCUMENTS, OR ANY DOCUMENT CONTEMPLATED TO BE EXECUTED IN CONJUNCTION HEREWITH,
OR ANY COURSE OF CONDUCT, DEALING, STATEMENTS (WHETHER VERBAL OR WRITTEN) OR
ACTIONS OF ANY PARTY. THIS PROVISION IS A MATERIAL INDUCMENT FOR GRANTEE TO
ADVANCE THE SUMS SECURED BY THIS MORTGAGE.

      29. (a) Grantor and Grantee intend that the Mortgage shall secure the
unpaid balance of Loan advances made by the holder hereof after this Mortgage is
delivered to the County Recorder for record to the fullest extent and with
highest priority contemplated by Section 5301.232 of the Ohio Revised Code. The
maximum amount of all Loan advances, in the aggregate and exclusive of interest
accrued thereon and protective advances made as contemplated by the terms of
this Mortgage, which may be outstanding at any time, is SIX HUNDRED THOUSAND AND
10/100 DOLLARS ($600,000.00). This Mortgage shall be valid and have priority to
the extent of the maximum amount secured hereby over all subsequent liens and
encumbrances, including statutory liens, excepting solely taxes and assessments
levied on the Collateral given priority by law. If and to the extent applicable,
Grantor hereby waives any right it may have under Section 5301.232(c) of the
Ohio Revised Code.

                                  Exhibit 10.2
                                  Page 30 of 33

<PAGE>

            (b) With respect to any agreement by Grantor in this Mortgage, the
Note, the Loan Agreement and any other document or instrument executed by
Grantor in connection with the Loan to pay Grantee's attorney's fees and
disbursements incurred in connection with the Loan, Grantor agrees that this
Mortgage, the Note, the Loan Agreement and each other document or instrument
executed by Grantor in connection with the Loan each constitute a "contract of
indebtedness" and that the attorneys' fees and disbursements referenced are
those which are a reasonable amount, all as contemplated by Ohio Revised Code
Section 1301.21, as such Section may hereafter be amended. Grantor further
agrees that the indebtedness incurred in connection with the Loan is not
incurred for purposes that are primarily personal, family or household and
confirms that the total amount owed on the contract of indebtedness exceeds One
Hundred Thousand and No/100 Dollars ($100,000.00).

            (c) From time to time, as requested by Grantee, Grantor shall take
such other action and execute and deliver to Grantee all other instruments,
supplements, further assurances and security or other agreements as may be
required or requested by Grantee in order to perfect and continue Grantee's lien
and interest in the Mortgaged Property. Grantor hereby irrevocably appoints
Grantee as its agent and attorney-in-fact to sign all such instruments,
supplements, further assurances and security and other agreements.

      PROVIDED, ALWAYS, that if the Grantor shall pay unto the Grantee all sums
due under the Note, when and as the same shall become due and payable whether by
acceleration or otherwise, and shall pay any and all other sums payable under
the Note, this Mortgage and the Loan Agreement, then and in that case, the Real
Estate hereby conveyed and all rights and interests in the Mortgaged Property
shall revert to the Grantor and the estate, right, title and interest of the
Grantee therein shall thereupon cease, determine and become void except that the
obligations under Section 14 hereof shall not be terminated, released,
discharged, extinguished or otherwise affected.

      EXECUTED this __________ day of ___________________________, 20_____.

GRANTOR: AMERICAN STONE CORPORATION, AN OHIO CORPORATION

By: /s/ Russell Ciphers
    -----------------------------------
    RUSSELL CIPHERS, PRESIDENT

STATE OF OHIO                 )
                              )   SS
COUNTY OF CUYAHOGA            )

      On this _____ day of _______________________, 20 _____, before me, a
Notary Public in and for said County and State, personally appeared American
Stone Corporation, by Russell Ciphers, its President, who acknowledged that they
did sign the foregoing instrument that the same is their free act and deed and
the free act and deed of said corporation.

      IN WITNESS WHEREOF, I have hereunto set my hand and official seal at
____________________________, Ohio, this _________ day of _____________________,
20 _____.

                                  _____________________________________________
                                  Notary Public

                                  Exhibit 10.2
                                  Page 31 of 33

<PAGE>

                                    EXHIBIT A

                               (Legal Description)

                                  Exhibit 10.2
                                  Page 32 of 33

<PAGE>

                                    EXHIBIT B

                            (Permitted Encumbrances)

                                  Exhibit 10.2
                                  Page 33 of 33<PAGE>

                                                                    Exhibit 10.1

                                 NON-NEGOTIABLE

                            REVOLVING PROMISSORY NOTE

$200,000

                                                                  Columbus, Ohio
                                                                November 3, 2004

         FOR VALUE RECEIVED, Superconductive Components, Inc., an Ohio
corporation ("Maker"), promises to pay Robert H. Peitz, (hereinafter "Lender"),
the sum of TWO HUNDRED THOUSAND AND 00/100 Dollars ($200,000.00) or so much
thereof as shall have been advanced by Lender at any time and not hereafter
repaid (hereinafter referred to as "Principal Sum") together with interest as
hereinafter provided and payable at the time and in the manner hereinafter
provided. Subject to the terms and conditions set forth below, the proceeds of
the loan evidenced hereby may be advanced in partial amounts during the term of
this revolving note (this "Note"). Each such advance will be made to the Maker
upon receipt by Lender of the Maker's written request therefor.

         SECTION 1. PAYMENT OF INTEREST. Interest will accrue and compound
monthly on the unpaid balance of the Principal Sum until paid at a variable rate
of interest per annum, which shall change in the manner set forth below, equal
to two percentage points (2%) in excess of the Prime Commercial Rate in effect
at Huntington National Bank, Columbus, Ohio ("Prime Rate"). The interest rate
shall adjust automatically without notice to the undersigned immediately with
each change in the Prime Rate.

         SECTION 2. DUE DATE; PAYMENT OF PRINCIPAL SUM. The Principal Sum and
accrued and unpaid interest shall be payable in full on November 1, 2005 (the
"Due Date").

         SECTION 3. ADVANCES. Proceeds of the loan evidenced by this Note, may
from time to time be advanced in whole or in $50,000 increments until the Due
Date. Each advance will be made to Maker upon receipt by Lender of Maker's
written request therefor.

         SECTION 4. WARRANTS. As additional consideration for entering into this
Agreement, the Lender shall receive up to 20,000 warrants to purchase shares of
the Company's common stock at an exercise price of TWO DOLLARS and FIFTY CENTS
($2.50) per share (the "Warrants") which shall vest according to the following
schedule and be exercisable until November 1, 2009.

<TABLE>
<CAPTION>
NUMBER OF WARRANTS            VESTING SCHEDULE                EXERCISE PERIOD
------------------       ----------------------------        ----------------
<S>                      <C>                                 <C>
      10,000             Vested November 3, 2004             November 1, 2009

      10,000             Vesting 5,000 per each              November 1, 2009
                         additional $50,000 loaned
                         to the Company after
                         November 3, 2004 by
                         Mr. Robert H. Peitz pursuant
                         to the Note dated
                         November 3, 2004
</TABLE>

<PAGE>

         SECTION 5. OPTION TO CONVERT LOAN BALANCE. The Lender shall have the
option to convert the loan balance to equity at any time before repayment of the
loan at the same price and terms as any equity financing of the Company equal to
or in excess of $200,000.

         SECTION 6. PREPAYMENT. All or any part of the Principal Sum and accrued
and unpaid interest may be prepaid at any time without prepayment penalty after
providing 15 days written notice to the Lender.

         SECTION 7. DEFAULT. Section 7 of the Security Agreement by and between
the Lender and the Maker is incorporated by reference as if fully restated
herein.

         SECTION 8. NON-NEGOTIABLE.  This Note is non-negotiable.

         SECTION 9. WAIVER. All of the parties hereto, including the
undersigned, and any indorser, surety, or guarantor, hereby severally waive
presentment, notice of dishonor, protest, notice of protest, and diligence in
bringing suit against any party hereto, and consent that, without discharging
any of them, the time of payment may be extended an unlimited number of times
before or after maturity without notice. Lender shall not be required to pursue
any party hereto, including any guarantor, or to exercise any rights against any
collateral before exercising any other such rights.

         SECTION 10. GOVERNING LAW. This Note shall be governed by and construed
in accordance with the laws of the State of Ohio without reference to choice of
law rules.

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

                                        SUPERCONDUCTIVE COMPONENTS, INC.

                                        By: /s/ Daniel Rooney
                                          --------------------------------------
                                          Daniel Rooney
                                          President and Chief Executive Officer

NON-NEGOTIABLE

                                     - 2 -

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