Document:

EXHIBIT 10.5

                          AMENDMENT TO CREDIT AGREEMENT

         THIS AMENDMENT made and entered into as of this 2nd day of June, 1993,
by TAYLOR INVESTMENT CORPORATION, a Minnesota corporation (herein called
"Borrower") for the benefit of DIVERSIFIED BUSINESS CREDIT, INC., a Minnesota
corporation (herein called "DBCI").

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

         WHEREAS, Borrower and DBCI executed a Credit Agreement dated as of
November 18, 1986 (the "Credit Agreement");

         WHEREAS, Borrower and DBCI desire to alter, amend and modify the Credit
and Security Agreement as hereinafter set forth.

         NOW THEREOF, in consideration of the foregoing, and other good and
valuable consideration, the receipt and sufficiency of which is hereby
acknowledged, the parties hereby agree as follows:

         1. Paragraph 5(c) and 5(k) of the Credit Agreement dated November 18,
1986, are hereby deleted therefrom in the entirety and the following are hereby
inserted in lieu thereof:

                  5(c) Expend or contract to expend, in any one calendar year,
         more than One Hundred Thousand Dollars ($100,000.00) in the aggregate
         or more than Fifty Thousand Dollars ($50,000.00) in any one transaction
         for the lease, purchase or other acquisition of any capital asset, or
         for the lease of any other asset, whether payable currently or in the
         future.

                  5(k) Permit more than Twenty-Five Thousand Dollars
         ($25,000.00) to be owing to Borrower by the officers, directors or
         shareholders of Borrower or any Affiliated Corporation, or members of
         their families, on account of any loan, travel advance, credit sale or
         other transaction or event.

         2. Except as herein specifically set forth, the terms and provisions of
the Credit and Security Agreement shall remain in full force and effect without
modification, amendment or alteration.

<PAGE>

         IN WITNESS WHEREOF, this Amendment to Credit Agreement has been duly
executed and delivered by the proper officers thereunto duly authorized on the
day and year first above written.

                                        TAYLOR INVESTMENT CORPORATION

                                        /s/ Philip C. Taylor
                                        ----------------------------------------
                                        Philip C. Taylor, President

                                        ADDRESS: 511 - 11th Avenue South
                                                 Suite 425
                                                 Minneapolis, Minnesota 55415

Accepted at Minneapolis, MN
on June 2, 1993.

DIVERSIFIED BUSINESS CREDIT, INC.

By      /s/
   ---------------------------------------
        Its Vice President and Treasurer

                                      -2-EXHIBIT 10.6

                          AMENDMENT TO CREDIT AGREEMENT

         THIS AMENDMENT made and entered into as of this 12th day of June, 1995,
by Taylor Investment Corporation, a Minnesota corporation (herein called
"Borrower") for the benefit of Diversified Business Credit, Inc., a Minnesota
corporation (herein called "Lender").

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

         WHEREAS, Borrower and Lender executed a Credit Agreement dated as of
November 18, 1986 and as amended by a certain Amendment to the Credit Agreement
dated as of June 2, 1993, (the Credit Agreement together with the Amendment are
herein called the "Credit Agreement");

         WHEREAS, Borrower and Lender desire to alter, amend and modify the
Credit Agreement as hereinafter set forth.

         NOW THEREFORE, in consideration of the foregoing, and other good and
valuable consideration, the receipt and sufficiency of which is hereby
acknowledged, the parties hereby agree as follows:

         1. Paragraph 1(d) of the Credit Agreement is hereby deleted therefrom
in its entirety and the following is hereby inserted in lieu thereof:

                  1(d) Borrower will pay interest on all outstanding loans under
         this agreement at an annual rate (computed on the basis of actual days
         elapsed in a 360-day year) which, for any particular month, shall be
         the greater of (i) nine percent (9.0%) per annum, of (ii) two percent
         (2.0%) per annum above the rate of interest publicly announced by
         National City Bank of Minneapolis from time to time as its "BASE" rate
         (the Bank may lend to its customers at rates that are at, above, or
         below the "BASE" rate); provided, that in any event no rate change
         shall be put into effect which would result in a rate greater than the
         highest rate permitted by law. Each change in the interest rate shall
         take effect simultaneously with the corresponding change in the
         designated bank's "BASE" rate.

                  All interest shall accrue on the principal balance outstanding
         from time to time and shall be payable monthly and in any event on
         demand. Borrower agrees that Lender may at any time or from time to
         time, without further request by Borrower, make a loan to Borrower, or
         apply the proceeds of any loan, for the purpose of paying all such
         interest promptly when due. In the computation of interest, Lender may
         allow three banking days for the collection of uncollected funds.

         2. Paragraph 1(f) of the Credit Agreement is hereby deleted therefrom
in its entirety and the following is hereby inserted in lieu thereof:

                  1(f) In addition to the interest provided for in Paragraph
         1(d) hereof, payable on all outstanding loans under this Agreement,
         Borrower shall pay Lender, on the date of this Agreement and on each

<PAGE>

         anniversary date thereafter, the sum of Forty Five Thousand Dollars
         ($45,000), which sum shall be due and payable without regard to the
         amount of loans outstanding hereunder.

         3. Paragraph 2 of the Credit Agreement is hereby deleted therefrom in
its entirety and the following is hereby inserted in lieu thereof:

                  2. Affiliate. For the purpose of this Agreement, "Affiliate"
         refers to Four Seasons Realty of Minnesota, Inc., Four Seasons Realty
         of Wisconsin, Inc., Laurentian Development Corporation, Resort
         Hospitality, Inc., Four Seasons Realty of Michigan, Inc., T.I.
         Financial, Inc., Kinkaid Development Corporation and any other
         corporation, partnership, person or entity which now or hereafter
         controls, is controlled by, or is under common control with Borrower.
         Borrower agrees that any breach, default or event of default by or
         attributable to any Affiliate under any agreement between such
         Affiliate and Lender shall constitute a breach of this Agreement and
         Event of Default under the Security Documents.

         4. Paragraph 5(a)(3) of the Credit Agreement is hereby deleted
therefrom in its entirety and the following is hereby inserted in lieu thereof:

                  5(a)(3) Unsecured indebtedness, in an amount not exceeding
         Four Million Dollars ($4,000,000) at any one time outstanding, which is
         fully subordinated in right of payment to all indebtedness owed to
         Lender pursuant to a subordination agreement accepted or approved in
         writing by Lender.

         5. Paragraph 5(a)(6) of the Credit Agreement is hereby deleted
therefrom in its entirety and the following is hereby inserted in lieu thereof:

                  5(a)(6) Secured indebtedness, arising from the purchase of
         land, as Borrower may from time to time incur; provided however, in no
         event shall secured indebtedness arising from the purchase of land
         exceed $4,500,000.

         6. Paragraph 5(c) of the Credit Agreement is hereby deleted therefrom
in its entirety and the following is hereby inserted in lieu thereof:

                  5(c) Expend or contact to expend, in any calendar year, more
         than Four Hundred Thousand Dollars ($400,000) in the aggregate or more
         than One Hundred Fifty Thousand Dollars ($150,000) in any one
         transaction for the lease, purchase or other acquisition of any capital
         asset, or for the lease of any other asset, whether payable currently
         or in the future.

         7. Paragraph 5(k) of the Credit Agreement is hereby deleted therefrom
in its entirety and the following is hereby inserted in lieu thereof:

                  5(k) Permit more than Three Hundred Thousand Dollars
         ($300,000) to be owing to Borrower by the officers, directors or
         shareholders of Borrower or any Affiliated Corporation, or members of
         their families, on account of any loan, travel advance, credit sale or
         other transaction or event.

                                      -2-
<PAGE>

         8. Except as herein specifically set forth, the terms and provisions of
the Credit Agreement shall remain in full force and effect without modification,
amendment or alteration.

         IN WITNESS WHEREOF, this Amendment to the Credit Agreement has been
duly executed and delivered by the proper officers thereunto duly authorized on
the day and year first above written.

                                        Taylor Investment Corporation

                                        By   /s/ Philip C. Taylor
                                           -------------------------------------
                                                 Its President

                                        ADDRESS:

                                        Suite 506
                                        43 Main Street South
                                        Minneapolis, Minnesota  55414

Accepted at Minneapolis, MN
on June 19, 1995.

DIVERSIFIED BUSINESS CREDIT, INC.

By      /s/
   --------------------------------------
        Its Vice President

                                      -3-

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