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                                                                  Exhibit 10.20
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                                    MASTER EQUIPMENT LEASE AGREEMENT NO. 34293
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LESSOR:  FLEET CAPITAL CORPORATION     LESSEE:  EDWARD D. JONES & CO., L.P.
         a Rhode Island corporation             a Missouri Limited Partnership

ADDRESS: One Financial Plaza           ADDRESS: 12555 Manchester Road
         Providence, Rhode Island               St. Louis, MO
         02903-2448                             63131

1.   LEASE OF EQUIPMENT
     Subject to the terms and conditions set forth herein (the "MASTER
LEASE") and in any Lease Schedule incorporating the terms of this Master
Lease (each, a "LEASE SCHEDULE"), Lessor agrees to lease to Lessee, and
Lessee agrees to lease from Lessor, the items and units of personal property
described in each such Lease Schedule, together with all replacements, parts,
additions, accessories and substitutions therefor (collectively, the
"EQUIPMENT"). As used in this Lease, the term "ITEM OF EQUIPMENT" shall mean
each functionally integrated and separately marketable group or unit of
Equipment subject to this Lease. Each Lease Schedule shall constitute a
separate, distinct and independent lease of Equipment and contractual
obligation of Lessee. References to "THE LEASE," "THIS LEASE" or "ANY LEASE"
shall mean and refer to any Lease Schedule which incorporates the terms of
this Master Lease, together with all exhibits, addenda, schedules,
certificates, riders and other documents and instruments executed and
delivered in connection with such Lease Schedule or this Master Lease, all as
the same may be amended or modified from time to time. The Equipment is to be
delivered and installed at the location specified or referred to in the
applicable Lease Schedule. The Equipment shall be deemed to have been
accepted by Lessee for all purposes under this Lease upon Lessor's receipt of
an Acceptance Certificate with respect to such Equipment, executed by Lessee
after receipt of all other documentation required by Lessor with respect to
such Equipment. Lessor shall not be liable or responsible for any failure or
delay in the delivery of the Equipment to Lessee for whatever reason. As used
in this Lease, "ACQUISITION COST" shall mean (a) with respect to all
Equipment subject to a Lease Schedule, the amount set forth as the
Acquisition Cost in the Lease Schedule and the Acceptance Certificate
applicable to such Equipment; and (b) with respect to any item of Equipment,
the total amount of all vendor or seller invoices (including Lessee invoices,
if any) for such item of Equipment, together with all acquisition fees and
costs of delivery, installation, testing and related services, accessories,
supplies or attachments procured or financed by Lessor from vendors or
suppliers thereof (including items provided by Lessee) relating or allocable
to such item of Equipment ("RELATED EXPENSES"). Provided no event of Default
has occurred and remains uncured hereunder and upon the satisfaction of all
preconditions deemed necessary by Lessor, Lessor shall satisfy the obligation
to pay the Acquisition Cost within thirty (30) days of the Lease Term
Commencement Date. As used in this Lease with respect to any Equipment, the
terms "ACCEPTANCE DATE," "RENTAL PAYMENT(S)," "RENTAL PAYMENT DATE(S),"
"RENTAL PAYMENT NUMBERS," "RENTAL PAYMENT COMMENCEMENT DATE," "LEASE TERM"
and "LEASE TERM COMMENCEMENT DATE" shall have the meanings and values
assigned to them in the Lease Schedule and the Acceptance Certificate
applicable to such Equipment.

2.   TERM AND RENT
     The Lease Term for any Equipment shall be as specified in the applicable
Lease Schedule. Rental Payments shall be in the amounts and shall be due and
payable as set forth in the applicable Lease Schedule. Lessee shall, in
addition, pay interim rent to Lessor as provided in the Lease Schedule from
the Acceptance Date to the Lease Term Commencement Date set forth in the
applicable Acceptance Certificate, payable on such Lease Term Commencement
Date. If any rent or other amount payable hereunder shall not be paid within
10 days of the date when due, Lessee shall pay as an administrative and late
charge overdue interest on any delinquent payment or other amounts due under
the Lease (by reason of acceleration or otherwise) from the due date until
paid at the rate of 1 1/2% per month or the maximum amount permitted by
applicable law, whichever is lower. All payments to be made to Lessor shall
be made to Lessor in immediately available funds at the address shown above
or at such other place, as Lessor shall specify in writing. THIS IS A
NON-CANCELABLE, NON-TERMINABLE LEASE OF EQUIPMENT FOR THE ENTIRE LEASE TERM
PROVIDED IN EACH LEASE SCHEDULE HERETO.

3.   POSSESSION; PERSONAL PROPERTY
     No right, title or interest in the Equipment shall pass to Lessee other
than the right to maintain possession and use of the Equipment for the Lease
Term (provided no Event of Default has occurred) free from interference by
any person claiming by, through, or under Lessor. The Equipment shall always
remain personal property even though the Equipment may hereafter become
attached or affixed to real property. Lessee agrees to give and record such
notices and to take such other action at its own expense as may be necessary
to prevent any third party (other than an assignee of Lessor) from acquiring
or having the right under any circumstances to acquire any interest in the
Equipment or this Lease. Provided no Event of Default has occurred and
remains uncured hereunder, Lessor warrants that neither Lessor nor persons or
entities claiming through Lessor shall interfere with Lessee's quiet use and
possession of the Equipment in accordance with the terms of this Lease.

4.   DISCLAIMER OF WARRANTIES
     LESSOR IS NOT THE MANUFACTURER OR SUPPLIER OF THE EQUIPMENT, NOR THE
AGENT THEREOF, AND MAKES NO EXPRESS OR IMPLIED REPRESENTATIONS OR WARRANTIES
AS TO ANY MATTER WHATSOEVER, INCLUDING WITHOUT LIMITATION, THE
MERCHANTABILITY OF THE EQUIPMENT, ITS FITNESS FOR A PARTICULAR PURPOSE, ITS
DESIGN OR CONDITION, ITS CAPACITY OR DURABILITY, THE QUALITY OF THE MATERIAL
OR WORKMANSHIP IN THE MANUFACTURE OR ASSEMBLY OF THE EQUIPMENT, OR THE
CONFORMITY OF THE EQUIPMENT TO THE PROVISIONS AND SPECIFICATIONS OF ANY
PURCHASE ORDER RELATING THERETO, OR PATENT INFRINGEMENTS, AND LESSOR HEREBY
DISCLAIMS ANY SUCH WARRANTY. LESSOR IS NOT RESPONSIBLE FOR ANY REPAIRS OR
SERVICE TO THE EQUIPMENT, DEFECTS THEREIN OR FAILURES IN THE OPERATION
THEREOF. Lessee has made the selection of each item of Equipment and the
manufacturer and/or supplier thereof based on its own judgment and expressly
disclaims any reliance upon any statements or representations made by Lessor.

For so long as no Event of Default (or event or condition which, with the
passage of time or giving of notice, or both, would become such an Event of
Default) has occurred and is continuing, Lessee shall be the beneficiary of,
and shall be entitled to, all rights under any applicable manufacturer's or
vendor's warranties with respect to the Equipment, to the extent permitted
by law.

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     If the Equipment is not delivered, is not properly installed, does not
operate as warranted, becomes obsolete, or is unsatisfactory for any reason
whatsoever, Lessee shall make all claims on account thereof solely against
the manufacturer or supplier and not against Lessor, and Lessee shall
nevertheless pay all rentals and other sums payable hereunder. Lessee
acknowledges that neither the manufacturer or supplier of the Equipment, nor
any sales representative or agent thereof, is an agent of Lessor, and no
agreement or representation as to the Equipment or any other matter by any
such sales representative or agent of the manufacturer or supplier shall in
any way affect Lessee's obligations hereunder.

5.   REPRESENTATIONS, WARRANTIES AND COVENANTS
     Lessee represents and warrants to and covenants with Lessor that:

         (a) Lessee has the form of business organization indicated above and
is duly organized and existing in good standing under the laws of the state
listed in the caption of this Master Lease and is duly qualified to do
business wherever necessary to carry on its present business and operations
and to own its property; (b) this Lease has been duly authorized by all
necessary action on the part of Lessee consistent with its form of
organization, does not require any further shareholder or partner approval,
does not require the approval of, or the giving notice to, any federal,
state, local or foreign governmental authority and does not contravene any
law binding on Lessee or contravene any certificate or articles of
incorporation or by-laws or partnership certificate or agreement, or any
agreement, indenture, or other instrument to which Lessee is a party or by
which it may be bound; (c) this Lease has been duly executed and delivered
by authorized officers or partners of Lessee and constitutes a legal, valid
and binding obligation of Lessee enforceable in accordance with its terms;
(d) Lessee has not and will not, directly or indirectly, create, incur or
permit to exist any lien, encumbrance, mortgage, pledge, attachment or
security interest on or with respect to the Equipment or this Lease (except
those of persons claiming by, through or under Lessor); (e) the Equipment
will be used solely in the conduct of Lessee's business and will remain in
the location shown on the applicable Lease Schedule unless Lessee provides
Lessor with prior written notice of its intention to relocate the Equipment
and has completed all other notifications, filings, recordings and other
actions in such new location as Lessor may reasonably request to protect
Lessor's interest in the Equipment; (f) there are no pending or threatened
actions or proceedings before any court or administrative agency which
materially adversely affect Lessee's financial condition or operations, and
all credit, financial and other information provided by Lessee or at Lessee's
direction is, and all such information hereafter furnished will be, true,
correct and complete in all material respects; (g) Lessor has not selected,
manufactured or supplied the Equipment to Lessee and has acquired any
Equipment subject hereto solely in connection with this Lease and Lessee has
received and approved the terms of any purchase order or agreement with
respect to the Equipment; (h) until all obligations of Lessee under all
Leases hereunder shall have been paid and/or performed in full, Lessee
covenants and agrees to provide to Lessor a copy of Lessee's FOCUS Report (or
successor applicable form) as of the end of each calendar quarter as soon as
such FOCUS Report is available, but in no case later than thirty (30)
from the end of such calendar quarter; and (i) Lessee shall maintain a
Required Capital Ratio as of the end of each calendar quarter of not less than
3.75 to 1.00. "Required Capital Ratio" means, at any date with respect to the
Lessee, the ratio of (i) its Net Capital to (ii) its Minimum Net Capital
Requirement. "Net Capital" means, at any date, the net capital of Lessee
as (i) computed from time to time in accordance with paragraph (c) of
Rule 15c3-1 and reported on line 3750 of Lessee's FOCUS Report (or successor
applicable form) as of such date or (ii) in the event Lessee's Net Capital is
no longer reported in its FOCUS Report (or successor applicable form),
computed in a manner consistent with the methodology used to calculate Net
Capital for Lessee's last available FOCUS Report and as otherwise acceptable
to Lessor and Lessee and certified as true and correct by Lessee's Chief
Financial Officer on a quarterly basis ("Compliance Certificate"). "Minimum
Net Capital Requirement" means, at any date, the minimum Net Capital required
for Lessee and its affiliates (i) computed in accordance with, and reported on
line 3760 of Lessee's FOCUS Report (or successor applicable form) as of such
date or (ii) in the event Lessee's Minimum Net Capital Requirement is no
longer reported in Lessee's FOCUS Report (or successor applicable form),
computed in a manner consistent with the methodology used to calculate Minimum
Net Capital Requirement for Lessee's last available FOCUS Report and as
otherwise acceptable to Lessor and Lessee and as certified as true and
correct by Lessee's Chief Financial Officer on a quarterly basis in the
Compliance Certificate.

6.   INDEMNITY
     Lessee assumes the risk of liability for, and hereby agrees to indemnify
and hold safe and harmless on an after tax basis, and covenants to defend,
Lessor, its employees, servants and agents from and against: (a) any and all
liabilities, losses, damages, claims and expenses (including legal expenses
of every kind and nature) arising out of the manufacture, purchase, shipment
and delivery of the Equipment to Lessee, acceptance or rejection, ownership,
titling, registration, leasing, possession, operation, use, return or other
disposition of the Equipment, including, without limitation, any liabilities
that may arise from patent or latent defects in the Equipment (whether or not
discoverable by Lessee), any claims based on absolute tort liability or
warranty and any claims based on patent, trademark or copyright infringement;
(b) any and all loss or damage of or to the Equipment; and (c) any obligation
or liability to the manufacturer or any supplier of the Equipment arising
under any purchase orders issued by or assigned to Lessor.

7.   TAXES AND OTHER CHARGES
     Lessee agrees to comply with all laws, regulations and governmental
orders related to this Lease and to the Equipment and its use or possession,
and to pay when due, and to defend and indemnify Lessor against liability for
all license fees, assessments, and sales, use, property, excise, privilege
and other taxes (including any related interest or penalties) or other
charges or fees now or hereafter imposed by any governmental body or agency
upon any Equipment, or with respect to the manufacturing, ordering, shipment,
purchase, ownership, delivery, installation, leasing, operation, possession,
use, return, or other disposition thereof or the rentals hereunder (other
than taxes on or measured solely by the net income of Lessor). Any fees,
taxes or other lawful charges paid by Lessor upon failure of Lessee to make
such payments shall at Lessor's option become immediately due from Lessee to
Lessor. Provided no Event of Default has occurred and remains uncured, Lessee
shall prepare, pay and file all personal property tax returns with respect to
the Equipment on or before the due date therefor and shall indemnify and hold
Lessor harmless from and against any and all claims, costs, penalties,
interest arising as a result of Lessee assuming responsibility for such
property taxes.

8.   DEFAULT
     Lessee shall be in default of this Lease upon the occurrence of any one
or more of the following events (each an "EVENT OF DEFAULT"):

     (a) Lessee shall fail to make any payment, of rent or otherwise, under
any Lease within 10 days of the date when due (provided Lessor is not
restricted under applicable law in its ability to provide notice to Lessee,
Lessor shall provide notice to Lessee of the failure to pay an amount when
due hereunder prior to declaring an Event of Default); or (b) Lessee shall
fail to obtain or maintain any of the insurance required under any Lease;

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or (c) Lessee shall fail to perform or observe any covenant, condition or
agreement under any Lease, and such failure continued for 30 days after
notice thereof to Lessee; or (d) Lessee shall default in the payment or
performance of any indebtedness or obligation to Lessor having a principal
balance of $5,000,000 or more under any loan, note, security agreement,
lease, guaranty, title retention or conditional sales agreement or any other
instrument or agreement evidencing such indebtedness with Lessor; or (e) any
representation or warranty made by Lessee herein or in any certificate,
agreement, statement or document hereto or hereafter furnished to Lessor in
connection herewith, including without limitation, any financial information
disclosed to Lessor, shall prove to be false or incorrect in any material
respect; or (f) death or judicial declaration of incompetence of Lessee, if
an individual; the commencement of any bankruptcy, insolvency, arrangement,
reorganization, receivership, liquidation or other similar proceeding by
Lessee or any of its properties or businesses, or the appointment of a
trustee, receiver, liquidator or custodian for Lessee or any of its
properties of business, or if Lessee suffers the entry of an order for relief
under Title 11 of the United States Code; or the making by Lessee of a
general assignment or deed of trust for the benefit of creditors; or the
commencement of any bankruptcy, insolvency, arrangement, reorganization,
receivership, liquidation or other similar proceeding against Lessee or any
of its properties or businesses, or the appointment of a trustee, receiver,
liquidator or custodian for Lessee or any of its properties of business, or
if Lessee suffers the entry of an order for relief under Title 11 of the
United States Code and in each case such involuntary proceeding is not
dismissed with sixty (60) days of the filing thereof; or (g) Lessee shall
default in any payment or other obligation under a material agreement
(original principal amount of $5,000,000 or more) and any applicable grace or
cure period with respect thereto has expired; or (h) Lessee shall terminate
its existence by merger, consolidation, sale of substantially all of its
assets or otherwise, unless otherwise consented to by Lessor, such consent
not to be unreasonably withheld or delayed; or (i) if Lessee is a privately
held entity, and during any rolling twelve month period more than 50% of
Lessee's voting capital stock or other equivalent ownership interest, or
effective control of such stock or interest in Lessee, issued and outstanding
from time to time, is not retained by the holders of such stock or interest
as of the beginning of such rolling twelve month period, unless otherwise
consented to by Lessor, such consent not to be unreasonably withheld or
delayed; or (j) if Lessee is a publicly held corporation, there shall be a
change in the ownership of Lessee's stock such that Lessee is no longer
subject to the reporting requirements of the Securities Exchange Act of 1934,
or no longer has a class of equity securities registered under Section 12 of
the Securities Act of 1933, unless otherwise consented to by Lessor, such
consent not to be unreasonably withheld or delayed; or (k) any event or
condition set forth in subsections (b) through (k) of this Section 8 shall
occur with respect to any guarantor or other person responsible, in whole or
in part, for payment or performance of this Lease; or (l) any event or
condition set forth in subsections (d) through (j) shall occur with respect
to any affiliated firm or entity controlling, controlled by or under common
control with Lessee. Lessee shall promptly notify Lessor of the occurrence of
any Event of Default or the occurrence or existence of any event or
condition, which, upon the giving of notice of lapse of time, or both, may
become an Event of Default.

9.   REMEDIES; MANDATORY PREPAYMENT
     Upon the occurrence of any Event of Default, Lessor may, at its sole
option and discretion, exercise one or more of the following remedies with
respect to any or all of the Equipment: (a) cause Lessee to promptly return,
at Lessee's expense, any or all Equipment to such location as Lessor may
designate in accordance with the terms of Section 18 of this Master Lease, or
Lessor, at its option, may enter upon the premises where the Equipment is
located and take immediate possession of and remove the same by summary
proceedings or otherwise and at all times in compliance with applicable law,
all without liability to Lessor for or by reason of damage to property or
such entry or taking possession except for Lessor's gross negligence or
willful misconduct; (b) sell any or all Equipment at public or private sale
or otherwise dispose of, hold, use, operate, lease to others or keep idle the
Equipment, all as Lessor in its sole discretion may determine and all free
and clear of any rights of Lessee and otherwise in compliance with applicable
law; (c) remedy such default, including making repairs or modifications to
the Equipment, for the account and expense of Lessee, and Lessee agrees to
reimburse Lessor for all of Lessor's costs and expenses; (d) by written
notice to Lessee, cancel the Lease with respect to any or all Lease Schedules
and the Equipment subject thereto, as such notice shall specify, and, with
respect to such cancelled Lease Schedules and Equipment, declare immediately
due and payable and recover from Lessee, as liquidated damages for loss of
Lessor's bargain and not as a penalty, an amount equal to the Stipulated Loss
Value, calculated as of the next following Rental Payment Date; (e) apply any
deposit or other cash collateral or sale or remarketing proceeds of the
Equipment at any time to reduce any amounts due to Lessor, and (f) exercise
any other right or remedy which may be available to Lessor under applicable
law, or proceed by appropriate court action to enforce the terms hereof or to
recover damages for the breach hereof, including reasonable attorneys' fees
and court costs. Notice of Lessor's intention to accelerate, notice of
acceleration, notice of nonpayment, presentment, protest, notice of dishonor,
or any other notice whatsoever are hereby waived by Lessee and any endorser,
guarantor, surety or other party liable in any capacity for any of the
Lessee's obligations under or in respect of the Lease. No remedy referred to
in this Section 9 shall be exclusive, but each shall be cumulative and in
addition to any other remedy referred to above or otherwise available to
Lessor at law or in equity.

     The exercise or pursuit by Lessor of any one or more of such remedies
shall not preclude the simultaneous or later exercise or pursuit by Lessor of
any or all such other remedies, and all remedies hereunder shall survive
termination of this Lease. At any sale of the Equipment pursuant to this
Section 9, Lessor may bid for the Equipment. Notice required, if any, of any
sale or other disposition hereunder by Lessor shall be satisfied by the
mailing of such notice to Lessee at least seven (7) days prior to such sale
or other disposition. In the event Lessor takes possession and disposes of
the Equipment, the proceeds of any such disposition shall be applied in the
following order: (1) to all of Lessor's costs, charges and expenses incurred
in taking, removing, holding, repairing and selling or leasing the Equipment;
(2) to the extent not previously paid by Lessee, to pay Lessor for any
damages then remaining unpaid hereunder; (3) to reimburse Lessee for any sums
previously paid by Lessee as damages hereunder; and (4) the balance, if any,
shall be retained by Lessor. A cancellation shall occur only upon written
notice by Lessor and only with respect to such Equipment, as Lessor shall
specify in such notice. Cancellation under this Section 9 shall not affect
Lessee's duty to perform Lessee's obligations hereunder to Lessor in full.
Lessee agrees to reimburse Lessor on demand for any and all costs and
expenses incurred by Lessor in enforcing its rights and remedies hereunder
following the occurrence of an Event of Default, including, without
limitation, reasonable attorney's fees, and the costs of repossession,
storage, insuring, reletting, selling and disposing of any and all Equipment.

     The term "STIPULATED LOSS VALUE" with respect to any item of Equipment
shall mean the Stipulated Loss Value as set forth in any Schedule of
Stipulated Loss Values attached to and made a part of the applicable Lease
Schedule. If there is no such Schedule of Stipulated Loss Values, then the
Stipulated Loss Value with respect to any item of Equipment on any Rental
Payment Date during the Lease Term shall be an amount equal to the sum of:
(a) all Rental Payments and other amounts then due and owing to Lessor under
the Lease, together with all accrued interest and late charges thereon
calculated through and including the date of payment; plus (b) the net
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present value of: (i) all Rental Payments then remaining unpaid for the
Lease Term, plus (ii) the amount of any purchase obligation with respect to
            ----
such item of Equipment or, if there is no such obligation, then the fair
market value of such item of Equipment at the end of the Lease Term, as
estimated by Lessor in its sole discretion (accounting for the amount of any
unpaid Related Expenses for such item of Equipment and, with respect to any
such item of Equipment that has been attached to or installed on or in any
other property leased or owned by Lessee, such value shall be determined on
an installed basis, in place

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and in use), all discounted to net present value at a discount rate equal to the
1-year Treasury Constant Maturity rate as published in the Selected Interest
Rates table of the Federal Reserve statistical release H.15(519) for the week
ending immediately prior to the original Acceptance Date for such Equipment,
plus fifty basis points.

     Lessee is or may become indebted under or in respect of one or more
leases, loans, notes, credit agreements, reimbursement agreements, security
agreements, title retention or conditional sales agreements, or other
documents, instruments or agreements, whether now existing or hereafter
arising, evidencing Lessee's obligations for the payment of borrowed money or
other financial accommodations ("OBLIGATIONS") owing to FCC, or to one or
more affiliated persons, firms or entities controlling, controlled by or
under common control with Lessor ("AFFILIATES"). If Lessee pays or prepays
all or substantially all of its Obligations owing to any Affiliate, whether
or not such payment or prepayment is voluntarily or involuntarily made by
Lessee before or after any default or acceleration of such Obligations, then
Lessee shall pay, at Lessor's option and immediately upon notice from Lessor,
all or any part of Lessee's Obligations owing to Lessor, including but not
limited to Lessee's payment of Stipulated Loss Value for all or any Lease
Schedules as set forth in such notice from Lessor.

10.  ADDITIONAL SECURITY
     For so long as any obligations of Lessee shall remain outstanding under
any Lease, Lessee hereby grants to Lessor a security interest in all of
Lessee's rights in and to Equipment subject to such Lease from time to time,
to secure the prompt payment and performance when due (by reason of
acceleration or otherwise) of each and every indebtedness, obligation or
liability of Lessee, or any affiliated person, firm, or entity controlling,
controlled by, or under common control with Lessee, owing to Lessor, whether
now existing or hereafter arising, including but not limited to all of such
obligations under or in respect of any Lease. The extent to which Lessor
shall have a purchase money security interest in any item of Equipment under
a Lease which is deemed to create a security interest under Section 1-201(37)
of the Uniform Commercial Code shall be determined by reference to the
Acquisition Cost of such item financed by Lessor. In order to more fully
secure its rental payments and all other obligations to Lessor hereunder,
Lessee hereby grants to Lessor a security interest in any deposit of Lessee
to Lessor under Section 3(d) of any Lease Schedule hereto. Such security
deposit shall not bear interest, may be commingled with other funds of Lessor
and shall be immediately restored by Lessee if applied under Section 9. Upon
expiration of the Lease Term of this Lease and satisfaction of all of
Lessee's obligations, the security deposit shall be returned to Lessee. The
term "LESSOR" as used in this Section 10 shall include any affiliated person,
firm or entity controlling, controlled by or under common control with
Lessor.

11.  NOTICES
     Any notices or demands required or permitted to be given under this
Lease shall be given in writing and by regular mail and shall become
effective when deposited in the United States mail with postage prepaid to
Lessor to the attention of Customer Accounts, and to Lessee at the address
set forth above and to the attention Steve Novik, or to such other address as
the party to receive notice hereafter designates by such written notice.

12.  USE; MAINTENANCE; INSPECTION; LOSS AND DAMAGE
     During the Lease Term for each item of Equipment, Lessee shall, unless
Lessor shall otherwise consent in writing: (a) permit each item of Equipment
to be used only within the United States by qualified personnel solely for
business purposes and the purpose for which it was designed and shall, at its
sole expense, service, repair, overhaul and maintain each item of Equipment
in the same condition as when received, ordinary wear and tear excepted, in
good operating order, consistent with prudent industry practice (but, in no
event less than the same extent to which Lessee maintains other similar
equipment in the prudent management of its assets and properties) and in
compliance with all applicable laws, ordinances, regulations, and conditions
of all insurance policies required to be maintained by Lessee under the Lease
and all manuals, orders, recommendations, instructions and other written
requirements as to the repair and maintenance of such item of Equipment
issued at any time by the vendor and/or manufacturer thereof; (b) furnish to
Lessor such information concerning the condition, location, use and operation
of the Equipment as Lessor may request; (c) permit any person designated by
Lessor to visit and inspect any Equipment and any records maintained in
connection therewith, provided, however, that the failure of Lessor to
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inspect the Equipment or to inform Lessee of any noncompliance shall not
relieve Lessee of any of its obligations hereunder; (d) if any Equipment
does not comply with the requirements of this Lease, Lessee shall, within 30
days of written notice from Lessor, bring such Equipment into compliance;
(e) not use any Equipment, nor allow the same to be used, for any unlawful
purpose, nor in connection with any property or material that would subject
the Lessor to any liability under any state or federal statute or regulation
pertaining to the production, transport, storage, disposal or discharge of
hazardous or toxic waste or materials; and (f) make no additions,
alterations, modifications or improvements (collectively, "IMPROVEMENTS") to
any item of Equipment that are not readily removable without causing
material damage to such item of Equipment or which will cause the value,
utility or useful life of such item of Equipment to materially decline. If
any such Improvement is made and cannot be removed without causing material
damage or decline in value, utility or useful life (a "NON-SEVERABLE
IMPROVEMENT"), then Lessee warrants that such Non-Severable Improvement
shall immediately become Lessor's property upon being installed and shall be
free and clear of all liens and encumbrances and shall become Equipment
subject to all of the terms and conditions of the Lease. All such
Improvements that are not Non-Severable Improvements shall be removed by
Lessee prior to the return of the item of Equipment hereunder or such
Improvements shall also become the sole and absolute property of Lessor
without any further payment by Lessor to Lessee and shall be free and clear
of all liens and encumbrances whatsoever. Lessee shall repair all damage to
any item of Equipment caused by the removal of any Improvement so as to
restore such item of Equipment to the same condition which existed prior to
its installation and as required by this Lease. Notwithstanding any
provision contained herein to the contray, provided no Event of Default has
occurred and remains uncured, Lessee may during the Term of a Lease
Schedule, exchange items of Equipment subject thereto for items of equipment
which are identical to such items of Equipment (same manufacturer, model
number, model year, features, capacity, year of manufacture and as otherwise
required by Lessor, "Substitute Equipment"), provided such Substitute
Equipment is not then subject to any other financing by Lessor and can be
made subject to the applicable Lease Schedule in the condition required
hereunder. Immediately upon such exchange, title to the Substitute Equipment
shall be conveyed to Lessor free from all liens and encumbrances, and such
Substitute Equipment shall be deemed items of Equipment for the purposes of
such Lease Schedule. Lessee shall promptly notify Lessor of any and all
exchanges and shall provide Lessor with any and all bills of sale and/or
other documentation as Lessor may deem necessary or prudent in order to
perfect Lessor's interest in the Substitute Equipment and confirm that the
Substitute Equipment is subject to the appropriate Lease Schedule. Upon
confirmation that the Substitute Equipment has been made subject to the
Lease Schedule and provided no Event of Default has occurred and remains
uncured, Lessor shall release its interest in the items of Equipment which
were the subject of the exchange.

     Lessee hereby assumes all risk of loss, damage or destruction for
whatever reason to the Equipment from and after the earlier of the date
(i) on which the Equipment is ordered or (ii) Lessor pays the purchase price
of the Equipment, and continuing until the Equipment has been returned to,
and accepted by, Lessor in the condition required by Section 18 hereof upon
the expiration of the Lease Term. If during the Lease Term all or

                                      4

<PAGE>
<PAGE>

any portion of an item of Equipment shall become lost, stolen, destroyed,
damaged beyond repair or rendered permanently unfit for use for any
reason, or in the event of any condemnation, confiscation, theft or seizure
or requisition of title to or use of such item, Lessee shall immediately
pay to Lessor an amount equal to the Stipulated Loss Value of such item
of Equipment, as of the next following Rental Payment Date.

13.  INSURANCE
         Lessee shall procure and maintain insurance in such amounts and upon
such terms and with such companies as Lessor may approve, such approval not
to be unreasonably withheld or delayed, during the entire Lease Term and
until the Equipment has been returned to, and accepted by, Lessor in the
condition required by Section 18 hereof, at Lessee's expense, provided that
in no event shall such insurance be less than the following coverages and
amounts: (a) Worker's Compensation and Employer's Liability Insurance, in the
full statutory amounts provided by law; (b) Comprehensive General Liability
Insurance including product/completed operations and contractual liability
coverage, with minimum limits of $1,000,000 each occurrence, and Combined
Single Limit Body Injury and Property Damage, $1,000,000 aggregate, where
applicable; and (c) All Risk Physical Damage Insurance, including earthquake
and flood, on each item of Equipment, in an amount not less than the greater
of the Stipulated Loss Value of the Equipment or (if available) its full
replacement value. Lessor will be included as an additional insured and loss
payee as its interest may appear. Such policies shall be endorsed to provide
that the coverage afforded to Lessor shall not be rescinded, impaired or
invalidated by any act or neglect of Lessee. Lessee agrees to waive Lessee's
right and its insurance carrier's rights of subrogation against Lessor for
any and all loss or damage. Provided no Event of Default has occurred
and remains uncured hereunder, Lessee may, except as set forth below,
self-insure for the risk of loss and/or damage to the Equipment described in
Section 13(c) above, to the extent it self insures similar equipment which
it owns or leases against loss and damage, and provided further that such
self-insurance program (i) is consistent with prudent industry practice with
respect to equipment similar to the Equipment, (ii) is primary, without right
of contribution from any insurance carried by Lessor and (iii) Lessee
guarantees payment to Lessor for any loss or damage to any item of Equipment.
Lessee agrees that if items of Equipment having an original cost of $1,000,000
are located in one facility at any time ("Equipment Concentration"), Lessee
shall procure the risk of loss insurance coverage described in (c) above for
such Equipment Concentration through an insurance provider acceptable to
Lessor and shall provide Lessor with evidence of such insurance coverage.

     All policies shall be endorsed or contain a clause requiring the insurer
to use best efforts to furnish Lessor with at least 30 days' prior written
notice of any material change, cancellation or non-renewal of coverage. Upon
execution of this Lease, Lessee shall furnish Lessor with a certificate of
insurance or other evidence satisfactory to Lessor that such insurance
coverage is in effect, provided, however, that Lessor shall be under no duty
                       --------  -------
either to ascertain the existence of or to examine such insurance coverage or
to advise Lessee in the event such insurance coverage should not comply with
the requirements hereof. In case of failure of Lessee to procure or maintain
insurance, Lessor may at its option obtain such insurance, the actual cost of
which will be paid by the Lessee as additional rentals. Lessee hereby
irrevocably appoints Lessor, as Lessee's attorney-in-fact to file, settle or
adjust, and receive payment of claims under any such insurance policy and to
endorse Lessee's name on any checks, drafts or other instruments on payment
of such claims, provided, however, so long as no Event of Default has
occurred and remains uncured hereunder, Lessor shall permit Lessee to settle,
adjust and otherwise resolve insurance claims with respect to items of
Equipment. Lessee further agrees to give Lessor prompt notice of any damage
to or loss of, the Equipment, or any part thereof.

14.  LIMITATION OF LIABILITY
     Lessor shall have no liability in connection with or arising out of the
ownership, leasing, furnishing, performance or use of the Equipment (except
to the extent directly caused by Lessor's gross negligence or willful
misconduct) or any special, indirect, incidental or consequential damages of
any character, including, without limitation, loss of use of production
facilities or equipment, loss of profits, property damage or lost production,
whether suffered by Lessee or any third party.

15.  FURTHER ASSURANCES
     Lessee shall promptly execute and deliver to Lessor such further
documents and take such further action as Lessor may require in order to
more effectively carry out the intent and purpose of this Lease. Lessee
shall provide to Lessor, within 120 days after the close of each of Lessee's
fiscal years, and, upon Lessor's request, within 45 days of the end of each
quarter of Lessee's fiscal year, a copy of its financial statements prepared
in accordance with generally accepted accounting principles and, in the case
of annual financial statements, audited by independent certified public
accountants, and in the case of quarterly financial statements certified by
Lessee's chief financial officer. Lessee shall execute and deliver to Lessor
upon Lessor's request any and all schedules, forms and other reports and
information as Lessor may deem necessary or appropriate to respond to
requirements or regulations imposed by any governmental authorities. Lessee
shall execute and deliver to Lessor upon Lessor's request such further and
additional documents, instruments and assurances as Lessor reasonably deems
necessary (a) to acknowledge and confirm, for the benefit of Lessor or any
assignee or transferee of any of Lessor's rights, title and interests
hereunder (an "ASSIGNEE"), all of the terms and conditions of all or any
part of this Lease and Lessor's or Assignee's rights with respect thereto,
and Lessee's compliance with all of the terms and provisions hereof and (b)
to preserve, protect and perfect Lessor's or Assignee's right, title or
interest hereunder and in any Equipment, including, without limitation, such
UCC financing statements or amendments, corporate resolutions, certificates
of compliance, notices of assignment or transfers of interests, and
restatements and reaffirmations of Lessee's obligations and its
representations and warranties with respect thereto as of the dates
requested by Lessor from time to time. In furtherance thereof, Lessor may
file or record this Lease or a memorandum or a photocopy hereof (which for
the purposes hereof shall be effective as a financing statement) so as to
give notice to third parties, and Lessee hereby appoints Lessor as its
attorney-in-fact to execute, sign, file and record UCC financing statements
and other lien recordation documents with respect to the Equipment where
Lessee fails or refuses to do so after Lessor's written request, and Lessee
agrees to pay or reimburse Lessor for any filing, recording or stamp fees or
taxes arising from any such filings. Lessor may file or record a memorandum
of this Lease so as to give notice to third parties.

16.  ASSIGNMENT
     This Lease and all rights of Lessor hereunder shall be assignable by
Lessor absolutely or as security, without notice to Lessee, subject to the
rights of Lessee hereunder for the use and possession of the Equipment for so
long as no Event of Default has occurred and is continuing hereunder. Any
such assignment shall not relieve Lessor of its obligations hereunder unless
specifically assumed by the assignee, and LESSEE AGREES IT SHALL NOT ASSERT
ANY DEFENSE, RIGHTS OF SET-OFF OR COUNTERCLAIM AGAINST ANY ASSIGNEE TO WHICH
LESSOR SHALL HAVE ASSIGNED ITS RIGHTS AND INTERESTS HEREUNDER, NOR HOLD OR
ATTEMPT TO HOLD SUCH ASSIGNEE LIABLE FOR ANY OF LESSOR'S OBLIGATIONS
HEREUNDER. No such assignment shall materially increase Lessee's obligations
hereunder. LESSEE SHALL NOT ASSIGN OR DISPOSE OF ANY OF ITS RIGHTS OR
OBLIGATIONS UNDER THIS LEASE OR ENTER INTO ANY SUBLEASE WITH RESPECT TO ANY
OF THE EQUIPMENT WITHOUT THE EXPRESS PRIOR WRITTEN CONSENT OF LESSOR WHICH
WILL NOT BE UNREASONABLY WITHHELD OR DELAYED.

                                      5

<PAGE>
<PAGE>

17.  LESSEE'S OBLIGATION UNCONDITIONAL
     This Lease is a net lease and Lessee hereby agrees that it shall not be
entitled to any abatement of rents or of any other amounts payable hereunder
by Lessee, and that its obligation to pay all rent and any other amounts
owing hereunder shall be absolute and unconditional under all circumstances,
including, without limitation, the following circumstances: (i) any claim by
Lessee to any right of set-off, counterclaim, recoupment, defense or other
right which Lessee may have against Lessor, any seller or manufacturer of any
Equipment or anyone else for any reason whatsoever; (ii) the existence of any
liens, encumbrances or rights of others whatsoever with respect to any
Equipment, whether or not resulting from claims against Lessor not related to
the ownership of such Equipment; or (iii) any other event or circumstances
whatsoever. Each Rental Payment or other amount paid by Lessee hereunder
shall be final and Lessee will not seek to recover all or any part of such
payment from Lessor for any reason whatsoever.

18.  RETURN OF EQUIPMENT
     Upon the expiration or earlier termination of the Lease Term with
respect to any Equipment, and provided that Lessee has not validly exercised
any purchase option with respect thereto, Lessee shall: (a) return the
Equipment to a location and in the manner designated by the Lessor within the
continental United States and no more than 1,000 miles from the location of
such Equipment while being used by Lessee, including, as reasonably required
by Lessor, securing arrangements for the disassembly and packing for shipment
by an authorized representative of the manufacturer of the Equipment,
shipment with all parts and pieces on a carrier designated or approved by
Lessor, and then reassembly (including, if necessary, repair and overhaul) by
such representative at the return location in the condition the Equipment is
required to be maintained by the Lease and in such condition as will make the
Equipment immediately able to perform all functions for which the Equipment
was originally designed (or as upgraded during the Lease Term), and
immediately qualified for the manufacturer's (or other authorized servicing
representative's) then-available service contract or warranty; (b) cause the
Equipment to qualify for all applicable licenses or permits necessary for its
operation for its intended purpose and to comply with all specifications and
requirements of applicable federal, state and local laws, regulations and
ordinances; (c) upon Lessor's request, provide suitable storage, acceptable
to Lessor, for the Equipment for a period not to exceed 90 days from the date
of return; (d) cooperate with Lessor in attempting to remarket the Equipment,
including display and demonstration of the Equipment to prospective
purchasers or lessees, and allowing Lessor to conduct any private or public
sale or auction of the Equipment on Lessee's premises. All costs incurred in
connection with any of the foregoing shall be the sole responsibility of the
Lessee. During any period of time from the expiration or earlier termination
of the Lease until the Equipment is returned in accordance with the
provisions hereof or until Lessor has been paid the applicable purchase
option price if any applicable purchase option is exercised, Lessee agrees to
pay to Lessor additional per diem rent ("HOLDOVER RENT"), payable promptly on
demand in an amount equal to 100% of the highest monthly Rental Payment
payable during the Lease Term divided by 30, provided, however, that nothing
                                             --------  -------
contained herein and no payment of Holdover Rent hereunder shall relieve
Lessee of its obligation to return the Equipment upon the expiration or
earlier termination of the Lease.

19.  RELATED LEASE SCHEDULES
     "RELATED LEASE SCHEDULES" means and refers to Leases covering Equipment
intended to be or which otherwise becomes attached to, affixed to, or used in
connection with other Equipment subject to any other Lease hereunder. Lessee
agrees that if: (a) if Lessee elects to exercise any purchase option, early
termination option, renewal option, purchase obligation or early purchase
option under any Related Lease Schedule; or (b) Lessee elects to return the
Equipment under any Related Lease Schedule in accordance therewith, then, in
                                                                    ----
either case, Lessor shall have the right, in its sole discretion, to require
Lessee to elect the same or similar disposition for all Equipment subject and
pursuant to the terms and provisions of one or more other Related Lease
Schedules.

20.  TAX INDEMNIFICATION

     20.1 This Lease has been entered into by Lessor and Lessee under the
assumption that Lessor or its affiliated group ("Affiliated Group"), as
defined in Section 1504 of the Internal Revenue Code of 1986, as amended,
(the "Code") will be treated as the owner of the Equipment and will be
entitled to such deductions and other benefits that are provided by the Code
including, without limitation, deductions for the recovery of the Acquisition
Cost of the Equipment, over the recovery period ("Recovery Period") set forth
on the applicable Equipment Schedule, using the Modified Accelerated Cost
Recovery System as provided by Section 168 of the Code ("MACRS Deductions").
Notwithstanding such assumption, Lessee shall not be liable to Lessor in the
event that such assumption (or any part thereof) is determined to be
incorrect, except as provided in Section 20.3(a) hereof.

     20.2 Lessee represents, covenants and warrants the following: (a)
Neither Lessee, nor any affiliate of Lessee, nor any other party since the
Lease Term Commencement Date (i) has claimed or will claim any MACRS
Deductions, or any other deductions in the nature of cost recovery or
depreciation with respect to the Equipment, or (ii) has made or will make
any election under the Code regarding the method or the period for cost
recovery or deductions for personal property which will be binding upon
Lessor and which will adversely affect the assumptions set forth in Section
20.1 above with respect to the Equipment or (iii) shall, at any time, take
any action or file any returns or other documents inconsistent with the
assumptions set forth in Section 20.1 above, provided that entering into
this Lease shall not be construed as an inconsistent action within the
meaning of this Subsection (iii). (b) In the event the Equipment has been
sold to Lessor by Lessee and leased back from Lessor by Lessee, such
Equipment does not constitute property placed in service in a churning
transaction within the meaning of Section 168(f)(5) of the Code. (c) The
Equipment has not been manufactured or produced in any foreign country which
is subject to an Executive Order of the President of the United States that
would deny the availability of MACRS Deductions to Lessor. (d) The
Acquisition Cost of the Equipment does not exceed the fair market value of
the Equipment. (e) When delivered and accepted under the Lease, the
Equipment will not require any improvements, modifications, or additions
(other than ancillary or incidental items of removable equipment) in order
to be rendered complete for its intended use by Lessee. (f) At the time the
Equipment is accepted under the Lease, Lessee and, if applicable, any member
of its Affiliated Group shall have been fully reimbursed for any portion of
the Acquisition Cost of the Equipment which it may have furnished;
furthermore, on the applicable Lease Term Commencement Date and during the
Lease Term, neither Lessee nor any member of its Affiliated Group shall have
any investment in the Equipment. (g) The Equipment will be placed in service
on the applicable Lease Term Commencement Date and will be used in a trade
or business or will be held for the production of income within the meaning
of Section 167 of the Code. (h) From the applicable Lease Term Commencement
Date and during the Lease Term, the Equipment will constitute and will be
treated as (i) "recovery property" within the meaning of Section 168 of the
Code, and (ii) property with the Recovery Period set forth in the applicable
Equipment Schedule determined in accordance with Section 168(c) of the Code.
(i) From the applicable Lease Term Commencement Date and during the Lease
Term, the Equipment will not constitute, or be treated as, (i) "tax exempt
use property" within the meaning of Section 168(h) of the Code which would
cause Lessor to fail to realize, lose, or suffer diminution, deferral, or
recapture of any of the MACRS Deductions described in Section 18.1 above, or
(ii) "limited use property" within the meaning of Rev. Proc. 2001-26,
2001-19 I.R.B. (j) During the Lease Term, the Equipment will not be used
"predominantly

                                      6

<PAGE>
<PAGE>

outside the United States" within the meaning of Section 168(g)(4) of the
Code. (k) During the Lease Term, Lessor shall not be required to include in
its gross income for Federal income tax purposes any amount derived from the
cost of any alteration, addition, improvement, modification, replacement, or
substitution of the Equipment (unless such alteration, addition,
improvement, modification, replacement or substitution is required by the
provisions of this Lease) or from any refund or credit from the manufacturer
or supplier of the Equipment.

     20.3 A tax loss ("Tax Loss") shall be deemed to have occurred under
this Section 18 if Lessor or its Affiliated Group, for Federal income tax
purposes, shall not be entitled to, shall not be allowed, shall suffer
recapture of or shall lose any of the MACRS Deductions, as a result of:
(a) Lessee's breach of, or its failure to comply with, any representation,
covenant, or warranty set forth in Section 20.2 above, or the inaccuracy of
any such representation; (b) the occurrence of an Event of Default as defined
in Section 8 of the Master Lease; (c) the replacement, substitution, loss,
seizure, condemnation, destruction or governmental requisitioning of the
Equipment; or (d) any act (whether or not permitted or required under this
Master Lease) or any omission of Lessee, any affiliate of Lessee, any
sublessee or assignee of Lessee, or any entity, other than Lessor, having
possession control or use of the Equipment (whether or not such possession,
control or use may be authorized or unauthorized).

     20.4 (a) Except as provided in Sections 20.4(b), if a Tax Loss occurs,
then Lessee shall pay to Lessor, upon demand a sum to be computed by Lessor
in the following manner. Such sum, after deduction of all Federal, state and
local income taxes payable by Lessor as a result of the receipt of such
sum, shall be sufficient to restore Lessor or its Affiliated Group to
substantially the same position, on an after-tax basis, as it would have
been in but for the loss of such MACRS Deductions. In making its computation,
Lessor or its Affiliated Group shall consider, but shall not be limited to,
the following factors: (i) the amounts and timing of any net loss of tax
benefits resulting from any such lack of entitlement to or loss, recapture,
or disallowance of MACRS Deductions but offset by any tax benefits derived
from any depreciation or other capital recovery deductions or exclusions
from income allowed to Lessor or its Affiliated Group with respect to the
same Equipment; (ii) penalties, interest or other charges imposed;
(iii) difference in tax years involved; and (iv) the time value of money at
a reasonable rate determined, in `good faith', by Lessor. For purposes of
computation only, the amount of indemnification payments hereunder shall be
calculated on the assumption that Lessor and its Affiliated Group have or
will have, in all tax years involved, sufficient taxable income and tax
liability to realize all tax benefits and incur all losses of tax benefits at
the highest marginal Federal corporate income tax rate in each year. Upon
request, Lessor shall provide Lessee with the methods of computation used
in determining any sum that may be due and payable by Lessee under this
Section 20. (b) If Lessor shall suffer a Tax Loss with respect to the
Equipment, Lessee shall not be required to make any indemnity payment to
Lessor provided for in this Section 20 unless Lessor shall have received
either (i) written advice from the Internal Revenue Service of a proposed
disallowance or adjustment which gives rise to an indemnity obligation under
this Section 20 and, in the event Lessee has requested Lessor to contest such
disallowance or adjustment pursuant to Section 20.5 and except for any
provisional payment required thereunder, the expiration or abandonment of any
such contest shall have occurred, or (ii) an opinion of independent tax counsel
selected by Lessor and reasonably acceptable to Lessee which opinion provides
that there is no reasonable basis to claim such MACRS Deductions, or to avoid
reporting such recapture income. In the case of a Tax Loss arising by reason
of any refund or credit described in Section 20.2(k), Lessor agrees, on the
date on which a tax adjustment is made, to adjust the Monthly Rent payable
by Lessee under this Lease to reflect the decreased Acquisition Cost resulting
from such credit or refund (including any refund due on prior rents paid by
Lessee hereunder).

     20.5(a) Upon receipt by Lessor of written advice from the Internal
Revenue Service of a proposed disallowance or adjustment which gives rise to
an indemnity obligation under this Section 18 (the "Claim"), Lessor will
notify Lessee in writing. Upon the written request of Lessee which must be
received by Lessor within 45 days of such notice, Lessor shall contest the
Claim provided that (i) an Event of Default under Section 8 of this Master
Lease has not occurred and is continuing, (ii) Lessee has furnished Lessor
with a written opinion of independent tax counsel acceptable to Lessor to
the effect that there is a meritorious defense to the Claim, and (iii)
Lessee shall have agreed, in writing, to pay Lessor, on demand and
regardless of the outcome, all expenses which Lessor may incur in contesting
the Claim including, without limitation, legal and accounting fees. Lessor
shall, thereupon, contest the Claim in any permissible forum selected by
Lessor either by resisting payment of the Claim or by making payment of the
Claim and suing for a refund. If Lessor determines to pay the Claim and sue
for a refund, Lessee shall, within 10 days of Lessor's written request, pay
to Lessor an amount equal to the sum, on an after-tax basis, of the Claim
which the Internal Revenue Service requires to be paid. During any
proceedings in connection with the Claim, Lessor shall control all
negotiations and litigation but shall, from time to time, consult with
Lessee or its counsel. Upon any adverse decision on the Claim in the forum
chosen by Lessor, Lessor shall institute an appeal if requested to do so by
Lessee provided that independent tax counsel acceptable to Lessor furnishes
Lessor with a written opinion to the effect that there is a meritorious
basis for an appeal. Notwithstanding the foregoing, Lessor shall not be
obligated to appeal any such adverse decision beyond the United States
District Courts or the United States Tax Court. (b) A "Final Determination"
of the Claim means a final decision of the Internal Revenue Service or a
court of competent jurisdiction after all contests or appeals requested by
Lessee pursuant to Section 20.5(a) have been either exhausted or terminated
as may be agreed upon by Lessor and Lessee. If the Final Determination of
the Claim is all or partly adverse to Lessor, the liability, of Lessee to
indemnify Lessor shall be fixed and payable as provided in Section 20.4
provided, however, that Lessor shall credit Lessee with any amounts
previously paid by Lessee under Section 20.5(a) above. If the Final
Determination of the Claim is all or partly in favor of Lessor, then Lessor,
upon receipt of any refund from the Internal Revenue Service, shall
reimburse Lessee the portion of such refund which exceeds the indemnity
obligation of Lessee under this Section 20 with respect to any portion of
the Claim not resolved in favor of Lessor. (c) Notwithstanding the
provisions of this Section 20.5, Lessor may decline to contest all or any
portion of the Claim upon written notice to Lessee and Lessee shall
thereupon be relieved of its obligation to indemnify Lessor under this
Section 20 with respect to the portion of the Claim described in the notice.
(d) Nothing in this Section 20.5 shall be construed as granting any right to
Lessee to request a contest of any lack of entitlement to, or any loss,
disallowance or recapture of MACRS Deductions arising in connection with
events described in the second paragraph of Section 12 of the Master Lease,
or from a sale or other disposition of the Equipment upon an Event of
Default as set forth in Section 8 of the Master Lease.

     20.6  The representations, obligations and indemnities of Lessee under
this Section 20 shall continue in full force and effect, notwithstanding the
expiration or other termination of this Lease.

21.  MISCELLANEOUS; ENFORCEABILITY AND GOVERNING LAW
     The term "LESSEE" as used in the Lease shall mean and include any and
all Lessees who sign below, each of whom shall be jointly and severally
liable under the Lease. This Master Lease will not be binding on Lessor until
accepted and executed by Lessor, notice of which is hereby waived by Lessee.
Any waiver of the terms hereof shall be effective only in the specific
instance and for the specific purpose given. Time is of the essence in the
payment and performance of all of Lessee's obligations under the Lease. The
captions in this Lease are for convenience only and shall not define or limit
any of the terms hereof.

     Any provisions of this Lease which are unenforceable in any jurisdiction
shall, as to such jurisdiction, be ineffective to the extent of such
unenforceability without invalidating the remaining provisions hereof, and
any such unenforceability in any jurisdiction shall not render unenforceable
such provisions in any other jurisdiction. To the extent permitted by
applicable law, Lessee hereby waives; (a) any provisions of law which
render any provision hereof unenforceable in any respect; (b) all rights
and remedies under Rhode Island General Laws Sections 6A-2.1-508 through 522
or corresponding provisions of the Uniform Commercial Code article or division
pertaining to personal property leasing in any jurisdiction in which
enforcement of this Lease is sought.

     THIS LEASE AND THE LEGAL RELATIONS OF THE PARTIES HERETO SHALL IN ALL
RESPECTS BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE
STATE OF RHODE ISLAND, WITHOUT REGARD TO PRINCIPLES REGARDING THE CHOICE OF
LAW. LESSEE HEREBY CONSENTS AND SUBMITS TO THE JURISDICTION OF THE COURTS OF
THE STATE OF RHODE ISLAND AND THE FEDERAL DISTRICT COURT FOR THE DISTRICT OF
RHODE ISLAND FOR THE PURPOSES OF ANY SUIT, ACTION OR OTHER PROCEEDING ARISING
OUT OF ITS OBLIGATIONS HEREUNDER, AND EXPRESSLY WAIVES ANY OBJECTIONS THAT IT
MAY HAVE TO THE VENUE OF SUCH COURTS. LESSEE HEREBY EXPRESSLY WAIVES ANY
RIGHT TO TRIAL BY JURY IN ANY ACTION BROUGHT ON OR WITH RESPECT TO THIS
LEASE. Any action by Lessee against Lessor for any cause of action relating
to this Lease shall be brought within one year after any such cause of action
first arises.

     THIS LEASE REPRESENTS THE FINAL AGREEMENT BETWEEN THE PARTIES CONCERNING
THE LEASE OF THE EQUIPMENT AND CONSTITUTES THE ENTIRE AGREEMENT BETWEEN
THE PARTIES SUPERSEDING ANY AND ALL CONFLICTING TERMS OR PROVISIONS OF ANY
PRIOR PROPOSALS, COMMITMENT LETTERS, TERM SHEETS OR OTHER AGREEMENTS OR
UNDERSTANDINGS BETWEEN THE PARTIES. THIS LEASE MAY NOT BE CONTRADICTED BY
EVIDENCE OF (i) ANY PRIOR WRITTEN OR ORAL AGREEMENTS OR UNDERSTANDINGS, OR
(ii) ANY CONTEMPORANEOUS OR SUBSEQUENT ORAL AGREEMENTS OR UNDERSTANDINGS
BETWEEN THE PARTIES, AND LESSEE ACKNOWLEDGES AND CERTIFIES THAT NO SUCH ORAL
OR WRITTEN AGREEMENTS OR UNDERSTANDINGS EXIST AS OF THE DATE OF THIS LEASE.
THIS LEASE MAY NOT BE AMENDED, NOR MAY ANY RIGHTS UNDER THE LEASE BE WAIVED,
EXCEPT BY AN INSTRUMENT IN WRITING SIGNED BY THE PARTY CHARGED WITH SUCH
AMENDMENT OR WAIVER.

Executed and delivered by duly authorized representatives of the parties
hereto as of the date set forth below.

DATED AS OF: AUGUST 22, 2001
             ---------------

FLEET CAPITAL CORPORATION                 EDWARD D. JONES & CO., L.P.

By:     /s/ Michael Kelleher              By:     /s/ Steven Novik
        -----------------------------             -----------------------------

Name:   Michael Kelleher                  Name:   Steven Novik
        -----------------------------             -----------------------------

Title:  Vice-President                    Title:  Principal
        -----------------------------             -----------------------------

                                          Lessee's Taxpayer ID #:43-0345811
                                                                 --------------

                                      7<PAGE>

                                                               Exhibit 10.21
                                                               -------------

============================================================================

                              CREDIT AGREEMENT
                              ----------------

                        DATED AS OF AUGUST 27, 2001

============================================================================

                           EDJ LEASING CO., L.P.
                                    and
                              SOUTHTRUST BANK

============================================================================

<PAGE>
<PAGE>

                             TABLE OF CONTENTS

ARTICLE                                                                 PAGE
-------                                                                 ----

ARTICLE I                                                                  1

     1.   DEFINITIONS                                                      1
          1.1  Defined Terms                                               1
               -------------
          1.2  Accounting Terms                                           13
               ----------------
          1.3  Construction of Terms                                      13
               ---------------------
          1.4  Computation of Time Periods                                13
               ---------------------------

ARTICLE II                                                                14
     2.   THE LOAN                                                        14
          2.1  General Terms                                              14
               -------------
          2.2  Disbursement of the Loan                                   14
               ------------------------
          2.3  The Note                                                   14
               --------
          2.4  Interest Rate                                              14
               -------------
          2.5  Payments of Principal and Interest                         15
               ----------------------------------
          2.6  Use of Proceeds of Loan                                    15
               -----------------------

ARTICLE III                                                               15
     3.   PAYMENTS, ADDITIONAL COSTS, ETC.                                15
          3.1  Payment to Bank                                            15
               ---------------
          3.2  Late Payments                                              16
               -------------
          3.3  Prepayment                                                 16
               ----------
          3.4  Default Rate                                               16
               ------------
          3.5  No Setoff or Deduction                                     16
               ----------------------
          3.6  Payment on Non-Business Day; Payment Computations          17
               -------------------------------------------------
          3.7  Indemnification                                            17
               ---------------
          3.8  360-Day Year                                               17
               ------------
          3.9  No Requirement to Actually Obtain Funds                    17
               ---------------------------------------
          3.10 Usury Limitation                                           17
               ----------------

ARTICLE IV                                                                18
     4.   CONDITIONS PRECEDENT                                            18
          4.1  Documents Required for the Closing                         18
               ----------------------------------
          4.2  Certain Events Required for Closing and for all Advances   19
               --------------------------------------------------------
          4.3  Legal Matters                                              20
               -------------
          4.4  Election to Make Advances Prior to
               ----------------------------------
               Satisfaction of Conditions Precedent                       20
               ------------------------------------

ARTICLE V                                                                 20
     5.   COLLATERAL SECURITY                                             20
          5.1  Grant of Lien and Security Interest                        20
               -----------------------------------
          5.2  Maintenance of Lien                                        20
               -------------------

                                     ii

<PAGE>
<PAGE>

ARTICLE VI                                                                21
     6.   REPRESENTATIONS AND WARRANTIES                                  21
          6.1  Borrower's Existence                                       21
               --------------------
          6.2  Borrower's Authority                                       21
               --------------------
          6.3  Borrower's General Partner                                 21
               --------------------------
          6.4  Borrower's Name                                            22
               ---------------
          6.5  Consents or Approvals                                      22
               ---------------------
          6.6  Violations or Actions Pending                              22
               -----------------------------
          6.7  Existing Indebtedness                                      22
               ---------------------
          6.8  Tax Returns                                                22
               -----------
          6.9  Financial Statements                                       22
               --------------------
          6.10 Good and Marketable Title                                  23
               -------------------------
          6.11 Solvency                                                   23
               --------
          6.12 Priority of Liens                                          23
               -----------------
          6.13 Accuracy of Documents                                      23
               ---------------------
          6.14 Environmental Matters                                      23
               ---------------------
          6.15 EDJ Lease                                                  23
               ---------
          6.16 Continuing Effectiveness                                   23
               ------------------------

ARTICLE VII                                                               23
     7.   BORROWER'S COVENANTS                                            23
          7.1  Affirmative Covenants                                      24
               ---------------------
          7.2  Negative Covenants                                         26
               ------------------
          7.3  Financial Covenants                                        26
               -------------------
          7.4  Insurance Covenants                                        27
               -------------------
          7.5  EDJ Lease Covenants                                        27
               -------------------
          7.6  Borrower's General Covenants and Agreements
               -------------------------------------------
               Pertaining to the Collateral                               27
               ----------------------------
          7.7  Visitation                                                 28
               ----------
          7.8  Filing Fees and Taxes                                      28
               ---------------------
          7.9  Further Assurances                                         28
               ------------------

ARTICLE VIII                                                              29
     8.   DEFAULT                                                         29
          8.1  Events of Default                                          29
               -----------------
          8.2  No Advances After Default                                  30
               -------------------------
          8.3  Acceleration                                               30
               ------------
          8.4  General Remedies                                           31
               ----------------
          8.5  Bank's Additional Rights and Remedies                      31
               -------------------------------------
          8.6  Right of Set-Off                                           31
               ----------------
          8.7  No Limitation on Rights and Remedies                       32
               ------------------------------------
          8.8  Application of Proceeds                                    32
               -----------------------
          8.9  Attorney-in-Fact                                           32
               ----------------

ARTICLE IX                                                                33
     9.   MISCELLANEOUS                                                   33

                                    iii

<PAGE>
<PAGE>

          9.1  Termination of Bank's Lien                                 33
               --------------------------
          9.2  Construction                                               33
               ------------
          9.3  Further Assurance                                          33
               -----------------
          9.4  Indemnity                                                  33
               ---------
          9.5  Bank's Consent                                             34
               --------------
          9.6  Enforcement and Waiver by Bank                             34
               ------------------------------
          9.7  No Representation, Assumption, or Duty                     34
               --------------------------------------
          9.8  Expenses of Bank                                           35
               ----------------
          9.9  Attorneys' Fees                                            35
               ---------------
          9.10 Exclusiveness                                              35
               -------------
          9.11 Waiver and Release by Borrower                             35
               ------------------------------
          9.12 Limitation on Waiver of Notice, Etc.                       35
               ------------------------------------
          9.13 Additional Costs                                           35
               ----------------
          9.14 Illegality and Impossibility                               36
               ----------------------------
          9.15 Participation                                              36
               -------------
          9.16 Binding Effect, Assignment                                 37
               --------------------------
          9.17 Entire Agreement, Amendments                               37
               ----------------------------
          9.18 Severability                                               37
               ------------
          9.19 Headings                                                   37
               --------
          9.20 Counterparts                                               37
               ------------
          9.21 Seal                                                       37
               ----

ARTICLE X                                                                 37
     10.   SUBMISSION TO JURISDICTION, GOVERNING LAW AND NOTICES           37
          10.1 Notices                                                    37
               -------
          10.2 Governing Law                                              38
               -------------
          10.3 SUBMISSION TO JURISDICTION;
               ---------------------------
               WAIVER OF JURY TRIAL, ETC.                                 39
               --------------------------

SCHEDULE 6.4   LIST OF NAMES USED BY BORROWER IN LAST SIX YEARS

SCHEDULE 7.6   BORROWER'S PRINCIPAL PLACE OF BUSINESS/
               LOCATION OF RECORDS

                                     iv

<PAGE>
<PAGE>

                              CREDIT AGREEMENT
                              ----------------

     THIS CREDIT AGREEMENT (this "Agreement"), dated as of August 27, 2001,
                                                                  --
is made by and between EDJ LEASING CO., L.P., a Missouri limited partnership
(the "Borrower"), and SOUTHTRUST BANK, an Alabama banking corporation (the
"Bank"). As used herein, capitalized words and phrases shall have the
meanings ascribed thereto in Article I of this Agreement.

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

     WHEREAS, Borrower has requested that Bank extend credit to Borrower and
Bank is willing to do so on the condition that, among other things, Borrower
enters into this Agreement, and Bank has agreed to extend a certain line of
credit loan of up to Twenty-Five Million and 00/100 Dollars
($25,000,000.00).

     NOW THEREFORE, in consideration of the promises herein contained, and
each intending to be legally bound hereby, the parties hereto agree as
follows:

                                 ARTICLE I.

1.   DEFINITIONS.

     1.1  Defined Terms. As used herein:
          -------------

          "Advance" means each loan of money or credit made or extended to
           -------
or for the benefit of Borrower by Bank pursuant to this Agreement.

          "Advancement Termination Date" means the earlier of (i) the date
           ----------------------------
eighteen (18) months from the date of this Agreement (viz., February __,
2003), (ii) the date on which the aggregate Advances equal the Loan Amount,
or (iii) the date of the occurrence of an Event of Default.

          "Affiliate" means, as to any Person, each other Person that
           ---------
directly or indirectly through one or more intermediaries, controls, or is
controlled by, or under common control with, such Person.

          "Agreement" means this Credit Agreement, as amended or
           ---------
supplemented from time to time.

          "Amortization Expense" means the amortization expense of Borrower
           --------------------
for the applicable period (to the extent included in the computation of Net
Income), according to Generally Accepted Accounting Principles.

          "Applicable Margin" means one and three-quarters percent (1.75%).
           -----------------

          "Bank" means SouthTrust Bank, an Alabama banking corporation.
           ----

<PAGE>
<PAGE>

          "Bankruptcy Law" means Title 11, U.S. Code, or any similar Laws of
           --------------
any Jurisdiction for the relief of debtors, and "Bankruptcy" means the
                                                 ----------
commencement of any case or other action for relief under Bankruptcy Law.

          "Base Rate" means the rate of interest periodically designated by
           ---------
Bank as its Base Rate. The Base Rate is not necessarily the lowest interest
                       ----------------------------------------------------
rate charged by Bank.
--------------------

          "Borrower" means EDJ Leasing Co., L.P., a Missouri limited
           --------
partnership.

          "Borrower Parties" means, collectively, Borrower, Guarantor, and
           ----------------
any other Person that hereafter becomes a party to this Agreement and/or any
other Loan Document, and which Person is responsible in whole or in part for
any of the Obligations; and "Borrower Party" means any one of the Borrower
                             --------------
Parties, singularly.

          "Borrower's Representatives" means, collectively, the president,
           --------------------------
chief executive officer, chief financial officer, and controller of
Borrower, and any other person designated by Borrower as Borrower's
Representatives under this Agreement, and "Borrower's Representative" means
                                           -------------------------
any one of the Borrower's Representatives, singularly.

          "Borrower's Closing Affidavit" means an affidavit in form and
           ----------------------------
substance acceptable to Bank, and signed by a duly authorized representative
of Borrower.

          "Borrower's Interest" means all the right, title and interest of
           -------------------
Borrower of whatever kind, nature and description, whether now existing or
hereafter arising.

          "Business Day" means any day of the year, other than Saturday or
           ------------
Sunday, on which dealings in United States Dollars are carried on in the
London interbank market and banks open for business in Birmingham, Alabama
are not required or authorized to close.

          "Closing" means the time and place of actual execution and
           -------
delivery of this Agreement, the Note, and except as waived by Bank, the
other documents, instruments, and things required by Section 4.1 hereof.

          "Collateral" means the following:
           ----------

          (A) All of Borrower's Interest in and to the EDJ Lease, including
     without limitation the right to receive and collect the Rents, and any
     and all other amounts payable with respect to the Leased Equipment
     (including any purchase price payable by EDJ with respect thereto) and
     all proceeds, products, rents, royalties, issues and profits thereof;

          (B)  All Records pertaining to any of the Collateral; and

          (C)  any and all other assets of Borrower of any kind, nature, or
description and which are intended to serve as collateral for the Loan under
any one or more of the Security Documents.

                                     2

<PAGE>
<PAGE>

          "Default" means the occurrence of an event described in Section
           -------
8.1 hereof regardless of whether there shall have occurred any passage of
time or giving of notice that would be necessary in order to constitute such
event as an Event of Default.

          "Default Costs" means all Indemnified Losses incurred by Bank by
           -------------
reason of a Default.

          "Default Rate" means a variable per annum rate of interest equal
           ------------
to the lesser of (1) five percent (5%) in excess of any Interest Rate
otherwise payable hereunder, or (2) the maximum rate allowed by applicable
Laws.

          "Depreciation Expense" means the depreciation expense of Borrower
           --------------------
for the applicable period (to the extent included in the computation of Net
Income), according to Generally Accepted Accounting Principles.

          "EDJ" means Edward D. Jones & Co., L.P., a Missouri limited
           ---
partnership.

          "EDJ Lease" means that certain Master Lease dated _______________,
           ---------
2001, between Borrower, as lessor, and EDJ, as lessee, providing for the
leasing of certain equipment by Borrower to EDJ.

          "Environmental Laws" means all Laws of any Jurisdiction relating
           ------------------
to the governance or protection of the environment, including without
limitation, the Comprehensive Environmental Response Compensation and
Liability Act of 1980 ("CERCLA"), as amended (42 U.S.C. Sections 9601, et
                                                                       --
seq.), the Hazardous Materials Transportation Act, as amended (49 U.S.C.
---
Sections 1801, et seq.), the Resource Conservation and Recovery Act ("RCRA"),
               ------
as amended (42 U.S.C. Sections 6901, et seq.), the Clean Water Act, as
                                     ------
amended (42 U.S.C. Sections 7401, et seq.), the Toxic Substances Control Act,
                                  ------
as amended (15 U.S.C. Sections 2601, et seq.).
                                     ------

          "Equity Interests" means any and all ownership or other equitable
           ----------------
interests in the applicable Person, including any interest represented by any
capital stock, membership interest, partnership interest, or similar
interest, but specifically excluding any interest of any Person solely as a
creditor of the applicable Person.

          "Equity Owner" means any Person owning an Equity Interest.
           ------------

          "Equity Owners' Equity" means, as of an applicable time, the sum
           ---------------------
of the following accounts set forth in a balance sheet of Borrower and
prepared in accordance with Generally Accepted Accounting Principles
consistently applied:

          (A)  The par or stated value of all outstanding Equity Interests;

          (B)  Capital surplus; and

          (C)  Retained earnings.

                                     3

<PAGE>
<PAGE>

          "Estoppel Certificate" means an estoppel certificate in form
           --------------------
satisfactory to Bank and executed by Borrower's and EDJ's respective
presidents or principal financial officers, certifying that to his or her
knowledge, each of Borrower and EDJ have observed and performed each and
every undertaking contained in the EDJ Lease and is not at the time in
default in the observance or performance of any of the terms and conditions
thereof, or if there shall be such a default, specifying all such defaults
and events of which he or she may have knowledge.

          "Event of Default" means the occurrence of an event described in
           ----------------
Section 8.1 hereof provided that there shall have occurred any passage of
time or giving of notice that would be necessary in order to constitute such
event as an Event of Default under Section 8.1

          "Existing Indebtedness" means Indebtedness of Borrower as
           ---------------------
reflected on the Financial Statements as of the date of this Agreement.

          "Extraordinary Receipt" means any cash received by or paid to or
           ---------------------
for the account of any Person not in the Ordinary Course of Business,
including, without limitation, tax refunds, pension plan reversions,
proceeds of insurance (other than proceeds of business interruption
insurance to the extent such proceeds constitute compensation for lost
earnings), condemnation awards (and payments in lieu thereof) and indemnity
payments.

          "Financial Statements" means the most recent balance sheet and
           --------------------
income statement of Borrower delivered to Bank.

          "Financing Statements" means the UCC-1 financing statements
           --------------------
(including any amendments and continuations) and UCC-3 financing statements
required hereunder or under any other Security Document.

          "Fiscal Year" means a twelve-month period of time commencing on
           -----------
the first day of January.

          "Fiscal Year-End" means the end of each Fiscal Year.
           ---------------

          "Fixed Charge Coverage" means (A) in the case of any entity other
           ---------------------
than a Non-Taxable Entity, the quotient which is obtained by dividing (i)
the sum of the Net Income of Borrower (after provision for federal and state
taxes) for the 12-month period preceding the applicable date plus the
interest, lease and rental expenses of Borrower for the same period plus the
sum of non-cash expenses or allowances for such period (including, without
limitation, amortization or write-down of intangible assets, depreciation,
and depletion) by (ii) the sum of the current portion of the long-term debt
of Borrower as of the applicable date plus the interest, lease and rental
expenses for the 12-month period preceding the applicable date; and (B) in
the case of a Non-Taxable Entity, the quotient which is obtained by dividing
(i) the sum of (x) the Net Income of Borrower for the 12-month period
preceding the applicable date, less (y) distributions made to the Equity
Owners as equity owners for the payment of taxes during such 12-month
period, plus (ii) the interest, lease and rental expenses of Borrower for
the same period plus the sum of non-cash expenses or allowances for such
period (including, without limitation, amortization or write-down of
intangible assets, depreciation, and depletion) by (ii) the sum of the
current portion of the long-term debt of Borrower as of the

                                     4

<PAGE>
<PAGE>

applicable date plus the interest, lease and rental expenses for the
12-month period preceding the applicable date;

provided, however, that (a) for the Quarter ending September 30, 2001, the
Fixed Charge Coverage Requirement shall not be applicable; and (b) for the
Quarter-End (i) December 31, 2001, the foregoing computation shall be made
by annualizing the net income and interest, lease and rental expenses for
such Quarter (viz., the amount for the Quarter-End December 31, 2001
multiplied by 4); (ii) March 31, 2002, the foregoing computation shall be
made by annualizing the net income and interest, lease and rental expenses
for such Quarter and the immediately preceding Quarter (viz., the amount for
the period October 1, 2001 through March 31, 2002 multiplied by 2); and
(iii) June 30, 2002, the foregoing computation shall be made by annualizing
the net income and interest, lease and rental expenses for such Quarter and
the immediately preceding two Quarters (viz., the amount for the period
October 1, 2001 through June 30, 2002 multiplied by 1.333).

          "Generally Accepted Accounting Principles" means generally
           ----------------------------------------
accepted principles of accounting in effect from time to time in the United
States applied in a manner consistent with those used in preparing such
financial statements as have theretofore been furnished to Bank by the
applicable Person.

          "Governing Body" means the board of directors of a Person (or any
           --------------
Person or group of Persons exercising similar authority).

          "Governmental Approvals" means all authorizations, consents,
           ----------------------
approvals, licenses and exemptions of, registrations and filings with, and
reports to, any Governmental Authority.

          "Governmental Authority" means any nation or government and any
           ----------------------
political subdivision thereof, and any entity exercising executive,
legislative, judicial, regulatory, or administrative functions of or
pertaining thereto, which has or asserts jurisdiction over Bank, Borrower, or
any property of any of them.

          "Guarantor" means The Jones Financial Companies, L.L.L.P., a
           ---------
Missouri limited liability limited partnership.

          "Guarantor's Closing Affidavit" means an affidavit in form and
           -----------------------------
substance acceptable to Bank, and signed by Guarantor.

          "Guaranty" means that certain Guaranty dated of even date herewith
           --------
from Guarantor in favor of Bank, as the same may be amended or supplemented
from time to time.

          "Income Tax Expense" means the income tax expense of Borrower for
           ------------------
the applicable period (to the extent included in the computation of Net
Income), determined in accordance with Generally Accepted Accounting
Principles.

          "Indebtedness" means all items of indebtedness, obligation or
           ------------
liability, whether matured or unmatured, liquidated or unliquidated, direct
or contingent, joint or several, including, but without limitation or
duplication:

                                     5

<PAGE>
<PAGE>

          (A)  All indebtedness guaranteed, directly or indirectly, in any
manner, or endorsed (other than for collection or deposit in the Ordinary
Course of Business) or discounted with recourse;

          (B)  All indebtedness in effect guaranteed, directly or
indirectly, through agreements, contingent or otherwise:

               (1)  to purchase such indebtedness; or

               (2)  to purchase, sell or lease (as lessee or lessor)
property, products, materials or supplies or to purchase or sell services,
primarily for the purpose of enabling the debtor to make payment of such
indebtedness or to assure the owner of the indebtedness against loss; or

               (3)  to supply funds to or in any other manner invest in the
debtor;

          (C)  All indebtedness secured by (or which the holder of such
indebtedness has a right, contingent or otherwise, to be secured by) any
Lien upon property owned or acquired subject thereto, whether or not the
liabilities secured thereby have been assumed; and

          (D)  All indebtedness incurred as the lessee of goods or services
under leases that, in accordance with Generally Accepted Accounting
Principles, should not be reflected on the lessee's balance sheet.

          "Indemnified Losses" means all damages, dues, penalties, fines,
           ------------------
costs, amounts paid in settlement, taxes, losses, expenses, and fees,
including court costs and reasonable attorneys' fees and expenses.

          "Interest Expense" means the interest expense of Borrower for the
           ----------------
applicable period (to the extent included in the computation of Net Income),
determined in accordance with Generally Accepted Accounting Principles.

          "Interest-Only Period" means a period from the date of this
           --------------------
Agreement to the Advancement Termination Date.

          "Interest Payment Due Date" means each Quarter-End during the term
           -------------------------
of this Agreement.

          "Interest Rate" means the actual interest rate at which the
           -------------
outstanding principal amount of the Note bears interest from time to time
during the term of the Note.

          "Jurisdiction" means each and every nation or any political
           ------------
subdivision thereof.

          "Laws" means each and all laws, treaties, ordinances, statutes,
           ----
rules, regulations, orders, injunctions, writs or decrees of any
Governmental Authority, or any court or similar entity established by any
thereof, whether now in effect or hereafter enacted.

                                     6

<PAGE>
<PAGE>

          "Leased Equipment" means all equipment leased by Borrower to EDJ
           ----------------
pursuant to the EDJ Lease.

          "LIBOR Rate Interest Period" means any 30-Day LIBOR Rate Interest
           --------------------------
Period, 60-Day LIBOR Rate Interest Period, or 90-Day LIBOR Rate Interest
Period.

          "LIBOR Rate Notice" means any 30-Day LIBOR Rate Notice, 60-Day
           -----------------
LIBOR Rate Notice, or 90-Day LIBOR Rate Notice.

          "Lien" means any mortgage, pledge, encumbrance, charge, security
           ----
interest, assignment or other preferential arrangement of any nature
whatsoever, including any conditional sale agreement or other title
retention agreement.

          "Loan" means the loan which Bank has agreed to advance to Borrower
           ----
in accordance with the terms of Article 2 of this Agreement.

          "Loan Amount" means Twenty-Five Million and No/100 Dollars
           -----------
($25,000,000.00).

          "Loan Documents" means this Agreement, the Note, the Guaranty,
           --------------
each of the Security Documents, the Borrower's Closing Affidavit, the
Guarantor's Closing Affidavit, and any and all other agreements, documents
and instruments of any kind executed or delivered in connection with, or
evidencing, securing, guaranteeing or relating to, the Loan, whether
heretofore, simultaneously herewith or hereafter delivered, together with
any and all extensions, revisions, modifications or amendments at any time
made to any of the foregoing.

          "Material Adverse Change" means, (A) with respect to EDJ or
           -----------------------
Guarantor, if the partnership capital (the sum of the limited partnership
interests and the general partnership interest as shown on a statement of
financial condition) of Guarantor or of EDJ falls below $300,000,000; (B)
with respect to EDJ, if EDJ fails to maintain net capital (as defined in
paragraph (c) of Rule 15 c 3-1 of the Securities and Exchange Commission
promulgated under the Securities Exchange Act of 1934) in an amount equal
to 150% of the amount of such net capital required for expansion of a member
organization's business pursuant to Rule 326(a) of the Rules of the Board of
Directors of the New York Stock Exchange; and (C) with respect to Borrower,
a material adverse change in (i) the business, condition (financial or
otherwise), operations, performance, properties or prospects of Borrower, or
(ii) the ability of Borrower to perform its Obligations under any Loan
Document.

          "Maturity Date" means the earlier of (i) the date sixty (60)
           -------------
months from the commencement of the Term Period, or (ii) the occurrence of
an Event of Default.

          "Net Income" means the net income of Borrower for the applicable
           ----------
period as determined in accordance with Generally Accepted Accounting
Principles, but excluding for purposes of determining any financial ratios
under this Agreement, all Extraordinary Receipts and any Income Tax Expense
on such Extraordinary Receipts and any tax deductions or credits on account
of such Extraordinary Receipts.

                                     7

<PAGE>
<PAGE>

          "Non-Taxable Entity" means any entity which has properly elected
           ------------------
its classification for federal income tax purposes to be classified as a
partnership or to be disregarded as an entity separate from its owner.

          "Note" means that certain Promissory Note of even date herewith in
           ----
the principal amount of $25,000,000.00 given by Borrower in favor of Bank to
evidence Borrower's obligation to repay the Loan and the interest thereon,
together with any and all extensions, revisions, modifications or amendments
at any time made thereto.

          "Obligations" means the obligations (including obligations of
           -----------
performance) and liabilities of any Borrower Party to Bank of every kind and
description whatsoever, direct or indirect, absolute or contingent, due or
to become due, now existing or hereafter incurred, contracted or arising, or
acquired by Bank from any source, joint or several, liquidated or
unliquidated, whether incurred as maker, endorser, surety, guarantor,
general partner, drawer, tort-feasor, indemnitor, account party with respect
to a letter of credit or otherwise, and arising under, pursuant to, and/or
in connection with this Agreement, the Note, and any of the other Loan
Documents, and any and all extensions and renewals of any of the same,
including but not limited to the obligation:

          (A)  To pay the principal of and interest on the Note in
accordance with the terms hereof and thereof, including any and all
extensions, modifications, and renewals thereof and substitutions therefor;

          (B)  To repay to Bank all amounts advanced by Bank hereunder,
under any of the Loan Documents or otherwise, including, but without
limitation, advances for principal or interest payments to prior secured
parties, mortgagees, or lienors, or for taxes, levies, insurance, rent, or
repairs to or maintenance or storage of, any of the Collateral; and

          (C)  To reimburse Bank, on demand, for all of Bank's expenses and
costs, including the reasonable fees and expenses of its counsel, in
connection with the preparation, administration, amendment, modification, or
enforcement of this Agreement and the documents required hereunder,
including, without limitation, any proceeding brought or threatened to
enforce payment of any of the obligations referred to in the foregoing
paragraphs (A) and (B).

          "Ordinary Course of Business" means an action taken by a Person
           ---------------------------
only if:

          (A)  Such action is consistent with the past practices of such
Person and is taken in the ordinary course of the normal day-to-day
operations of such Person;

          (B)  Such action is not required to be authorized by the Governing
Body of such Person; and

          (C)  Such action is similar in nature and magnitude to actions
customarily taken, without any authorization by any Governing Body, in the
ordinary course of the normal day-to-day operations of other Persons that
are in the same line of business as such Person.

                                     8

<PAGE>
<PAGE>

          "Organizational Documents" means (i) the articles of incorporation
           ------------------------
and the bylaws of a corporation, (ii) the partnership agreement and any
statement of partnership of a general partnership, (iii) the limited
partnership agreement and the certificate of limited partnership of a
limited partnership, (iv) the articles of organization and the operating
agreement of a limited liability company, (v) any charter or similar
document adopted or filed in connection with the creation, formation, or
organization of a Person, and (vi) any amendment to any of the foregoing.

          "Participant" means any bank, financial institution, Affiliate of
           -----------
Bank, or other entity which enters into a participation agreement with Bank
and/or to whom Bank assigns all or a portion of its rights and obligations
under this Agreement.

          "Person" means any individual, corporation, partnership,
           ------
association, joint-stock company, trust, unincorporated organization, joint
venture, court or Governmental Authority.

          "Place for Payment" means a place for payment as from time to time
           -----------------
designated by Bank, which place for payment currently is at the address of
Bank as hereinafter provided for with respect to notices.

          "Principal Payment Due Date" means each September 30 during the
           --------------------------
term of this Agreement, commencing on the first December 31 during the
Term Period.

          "Quarter" means a period of time of three consecutive calendar
           -------
months.

          "Quarter-End" means the last day of each of March, June,
           -----------
September, and December.

          "Records" means correspondence, memoranda, tapes, discs,
           -------
microfilm, microfiche, papers, books and other documents, or transcribed
information of any type, whether expressed in ordinary or machine language,
and all filing cabinets and other containers in which any of the foregoing
is stored or maintained.

          "Regulation D" means Regulation D of the Board of Governors of the
           ------------
Federal Reserve System from time to time in effect and shall include any
successor or other regulation or official interpretation of said Board of
Governors relating to reserve requirements applicable to member banks of the
Federal Reserve System.

          "Regulation "G", Regulation "T", Regulation "U", and Regulation
           --------------------------------------------------------------
"X"" means Regulation G, Regulation T, Regulation U, and Regulation X,
---
respectively, of the Board of Governors of the Federal Reserve System as now
or from time to time hereafter in effect and shall include any successor or
other regulation or official interpretation of said Board of Governors
relating to the extension of credit by banks for the purpose of purchasing
or carrying margin stocks applicable to member banks of the Federal Reserve
System.

          "Rents" means all the rents, issues, and profits now due and which
           -----
may hereafter become due under or by virtue of the EDJ Lease, together with
all claims and rights to the payment of money at any time arising in
connection with any rejection or breach of the EDJ Lease.

                                     9

<PAGE>
<PAGE>

          "Reserve Requirement" with respect to a LIBOR Rate Interest Period
           -------------------
means the weighted average during the LIBOR Rate Interest Period of the
maximum aggregate reserve requirement (including all basic, supplemental,
marginal and other reserves and taking into account any transitional
adjustments or other scheduled changes in reserve requirements during the
LIBOR Rate Interest Period) which is imposed under Regulation D.

          "Security Documents" means all documents or instruments of any
           ------------------
kind executed or delivered in connection with the Loan, whether delivered
prior to, at, or after the Closing, wherein Bank is granted a Lien in
Borrower's assets, and all documents and instruments executed and delivered
in connection with any of the foregoing, together with any and all
extensions, revisions, modifications or amendments at any time made to any
of such documents or instruments, including but not limited to this
Agreement and the Financing Statements.

          "Solvent" and "Solvency" mean, with respect to any Person on a
           -------       --------
particular date, that on such date (a) the fair value of the property of
such Person is greater than the total amount of liabilities, including,
without limitation, contingent liabilities, of such Person, (b) the present
fair salable value of the assets of such Person is not less than the amount
that will be required to pay the probable liability of such Person on its
debts as they become absolute and matured, (c) such Person does not intend
to, and does not believe that it will, incur debts or liabilities beyond
such Person's ability to pay such debts and liabilities as they mature and
(d) such Person is not engaged in business or a transaction, and is not
about to engage in business or a transaction, for which such Person's
property would constitute an unreasonably small capital. The amount of
contingent liabilities at any time shall be computed as the amount that, in
the light of all the facts and circumstances existing at such time,
represents the amount that can reasonably be expected to become an actual or
matured liability.

          "Tangible Net Worth" mean, at any time, Equity Owners' Equity,
           ------------------
less the sum of:

          (A)  Any surplus resulting from any write-up of assets subsequent
to the date of Closing (other than any write-up of assets made on account of
changes in and consistent with Generally Accepted Accounting Principles);

          (B)  Goodwill, including any amounts, however designated on a
balance sheet of Borrower, representing the excess of the purchase price
paid for assets or stock acquired over the value assigned thereto on the
books of Borrower;

          (C)  Patents, trademarks, trade names and copyrights;

          (D)  Any amount at which shares of capital stock of Borrower
appear as an asset on Borrower's balance sheet;

          (E)  Loans and advances by Borrower to Affiliates, stockholders,
directors, officers or employees;

          (F)  Deferred expenses;

                                     10

<PAGE>
<PAGE>

          (G)  Equity Investment(s) by Borrower in Affiliates of any nature;
and

          (H)  Any other amount in respect of an intangible that, in
accordance with Generally Accepted Accounting Principles, should be
classified as an asset on a balance sheet of Borrower.

          "Term Period" means the period of time from the expiration of the
           -----------
Interest-Only Period through the Maturity Date.

          "Third Party" means a Person not a party to this Agreement.
           -----------

          "Uniform Commercial Code" means the Uniform Commercial Code as in
           -----------------------
effect from time to time in the State of Alabama and\or any other
Jurisdiction where any Collateral may from time to time be located.

          "Unused Fee" means the fee payable by Borrower to Bank on each
           ----------
Quarter-End during the Interest-Only Period, as determined by Bank as of
such Quarter-End in an amount equal to the product of (A) one-quarter of one
percent (.25%) multiplied by (B) the daily average of the difference between
(i) the Loan Amount and (ii) the sum of the aggregate principal amount of
all Advances on each day during such Quarter.

          "Voting Power" means, with respect to any Person, the right to
           ------------
vote for the election of the Governing Body of such Person under ordinary
circumstances.

          "Without Notice" means without demand of performance or other
           --------------
demand, advertisement, or notice of any kind to or upon the applicable
Person except as required by applicable Law.

          "30-Day Adjusted LIBOR Rate" means, for each respective 30-Day
           --------------------------
LIBOR Rate Interest Period, an interest rate equal to the sum of (i) the
applicable 30-Day LIBOR Rate, plus (ii) the Applicable Margin.

          "30-Day LIBOR Rate" means, as applicable to each respective 30-Day
           -----------------
LIBOR Rate Interest Period, a per annum rate of interest equal to the
quotient obtained (stated as an annual percentage rate rounded upward to the
next higher 100th of 1%) by dividing (A) the London Interbank Offered Rate
("LIBOR") for a period of thirty (30) days as determined by Bank from
Telerate (or such other source as Bank may select if such a rate index is
not available from Telerate), by (B) 1.00 minus any Reserve Requirement for
the 30-Day LIBOR Rate Interest Period (expressed as a decimal).

          "30-Day LIBOR Rate Interest Period" means a period of one month
           ---------------------------------
from the first day of the applicable 30-Day LIBOR Rate Interest Period to
the date one month thereafter, and with respect to which a 30-Day LIBOR Rate
Notice has been given.

          "30-Day LIBOR Rate Notice" means a written notice given to Bank by
           ------------------------
a Borrower's Representative providing for Borrower's election for the
outstanding principal balance of the Note

                                     11

<PAGE>
<PAGE>

to bear interest at the applicable 30-Day Adjusted LIBOR Rate for a 30-Day
LIBOR Rate Interest Period, such notice to be given at least two (2) Business
Days prior to and specifying the date of the commencement of the applicable
30-Day LIBOR Rate Interest Period; provided, however, that, except as may be
waived by Bank in Bank's discretion, in no event may any 30-Day LIBOR Rate
Interest Period begin until the expiration of any current LIBOR Rate
Interest Period and in no event may a 30-Day Adjusted LIBOR Rate be elected
at any time when the corresponding 30-Day LIBOR Rate Interest Period would
extend beyond the Maturity Date, and if any such 30-Day LIBOR Rate Notice is
not timely received or is otherwise not properly made, such 30-Day LIBOR
Rate Notice, at Bank's election, shall not be effective.

          "60-Day Adjusted LIBOR Rate" means, for each respective 60-Day
           --------------------------
LIBOR Rate Interest Period, an interest rate equal to the sum of (i) the
applicable 60-Day LIBOR Rate, plus (ii) the Applicable Margin.

          "60-Day LIBOR Rate" means, as applicable to each respective 60-Day
           -----------------
LIBOR Rate Interest Period, a per annum rate of interest equal to the
quotient obtained (stated as an annual percentage rate rounded upward to the
next higher 100th of 1%) by dividing (A) the London Interbank Offered Rate
("LIBOR") for a period of sixty (60) days as determined by Bank from
Telerate (or such other source as Bank may select if such a rate index is
not available from Telerate), by (B) 1.00 minus any Reserve Requirement for
the 60-Day LIBOR Rate Interest Period (expressed as a decimal).

          "60-Day LIBOR Rate Interest Period" means a period of two months
           ---------------------------------
from the first day of the applicable 60-Day LIBOR Rate Interest Period to
the date two months thereafter, and with respect to which a 60-Day LIBOR
Rate Notice has been given.

          "60-Day LIBOR Rate Notice" means a written notice given to Bank
           ------------------------
by a Borrower's Representative providing for Borrower's election for the
outstanding principal balance of the Note to bear interest at the applicable
60-Day Adjusted LIBOR Rate for a 60-Day LIBOR Rate Interest Period, such
notice to be given at least two (2) Business Days prior to and specifying
the date of the commencement of the applicable 60-Day LIBOR Rate Interest
Period; provided, however, that, except as may be waived by Bank in Bank's
discretion, in no event may any 60-Day LIBOR Rate Interest Period begin
until the expiration of any current LIBOR Rate Interest Period and in no
event may a 60-Day Adjusted LIBOR Rate be elected at any time when the
corresponding 60-Day LIBOR Rate Interest Period would extend beyond the
Maturity Date, and if any such 60-Day LIBOR Rate Notice is not timely
received or is otherwise not properly made, such 60-Day LIBOR Rate Notice,
at Bank's election, shall not be effective.

          "90-Day Adjusted LIBOR Rate" means, for each respective 90-Day
           --------------------------
LIBOR Rate Interest Period, an interest rate equal to the sum of (i) the
applicable 90-Day LIBOR Rate, plus (ii) the Applicable Margin.

          "90-Day LIBOR Rate" means, as applicable to each respective 90-Day
           -----------------
LIBOR Rate Interest Period, a per annum rate of interest equal to the
quotient obtained (stated as an annual percentage rate rounded upward to the
next higher 100th of 1%) by dividing (A) the London Interbank Offered Rate
("LIBOR") for a period of ninety (90) days as determined by Bank from

                                     12

<PAGE>
<PAGE>

Telerate (or such other source as Bank may select if such a rate index is
not available from Telerate), by (B) 1.00 minus any Reserve Requirement for
the 90-Day LIBOR Rate Interest Period (expressed as a decimal).

          "90-Day LIBOR Rate Interest Period" means a period of three months
           ---------------------------------
from the first day of the applicable 90-Day LIBOR Rate Interest Period to
the date three months thereafter, and with respect to which a 90-Day LIBOR
Rate Notice has been given.

          "90-Day LIBOR Rate Notice" means a written notice given to Bank by
           ------------------------
a Borrower's Representative providing for Borrower's election for the
outstanding principal balance of the Note to bear interest at the applicable
90-Day Adjusted LIBOR Rate for a 90-Day LIBOR Rate Interest Period, such
notice to be given at least two (2) Business Days prior to and specifying
the date of the commencement of the applicable 90-Day LIBOR Rate Interest
Period; provided, however, that, except as may be waived by Bank in Bank's
discretion, in no event may any 90-Day LIBOR Rate Interest Period begin
until the expiration of any current LIBOR Rate Interest Period and in no
event may a 90-Day Adjusted LIBOR Rate be elected at any time when the
corresponding 90-Day LIBOR Rate Interest Period would extend beyond the
Maturity Date, and if any such 90-Day LIBOR Rate Notice is not timely
received or is otherwise not properly made, such 90-Day LIBOR Rate Notice,
at Bank's election, shall not be effective.

     1.2  Accounting Terms. Accounting terms used and not otherwise defined
          ----------------
in this Agreement have the meanings determined by, and all calculations with
respect to accounting or financial matters unless otherwise provided herein
shall be computed in accordance with, Generally Accepted Accounting
Principles.

     1.3  Construction of Terms. Whenever used in this Agreement, the
          ---------------------
singular number shall include the plural and the plural the singular,
pronouns of one gender shall include all genders, and use of the terms
"herein", "hereof", and "hereunder" shall be deemed to be references to this
Agreement in its entirety unless otherwise specifically provided.

     1.4  Computation of Time Periods. For purposes of computation of
          ---------------------------
periods of time hereunder, the word "from" means "from and including", the
words "to" and "until" each mean "to but excluding", and the word "through"
means "through and including".

                                ARTICLE II.

2.   THE LOAN

     2.1  General Terms. Subject to the terms hereof, Bank will lend
          -------------
Borrower, from time to time until the Advancement Termination Date, such
amounts as a Borrower's Representative may request by not less than three
(3) Business Day's notice to Bank, but which shall not exceed, in the
aggregate principal amount at any one time outstanding, the Loan Amount. If
at any time the unpaid principal balance of the Loan exceeds the amount
Borrower could borrow at such time as set forth herein, Borrower shall
immediately and Without Notice pay or cause to be paid such sums to Bank, to
the extent necessary to reduce the Loan to an amount which Borrower could
borrow at that time.

                                     13

<PAGE>
<PAGE>

     2.2  Disbursement of the Loan.
          ------------------------

          (A)  Bank will credit or pay the proceeds of each Advance of the
Loan to Borrower's deposit account with Bank, or in such other manner as
Borrower and Bank may agree.

          (B)  In order to obtain an Advance under the Loan, a Borrower's
Representative shall notify Bank not later than 1:00 p.m. (Birmingham,
Alabama time) on the day three (3) Business Days prior to the day such
Advance is sought, specifying: (i) the date on which such Advance is sought;
(ii) the requested amount of the Advance; (iii) if required by Bank, a copy
of an invoice and cost breakdown showing the cost for which the Advance is
requested; (iv) if requested by Bank, evidence as may be required by Bank
reflecting that Borrower is or will be the owner of all the Leased Equipment
being purchased with the proceeds of the Advance, and a copy of any schedule
to be attached to the EDJ Lease pertaining to the Leased Equipment being
purchased or such other evidence as may be required by Bank that such
property shall be leased by Borrower to EDJ pursuant to the EDJ Lease; and
(v) if required by Bank, an Estoppel Certificate. Notwithstanding anything
contained herein to the contrary, Bank shall not be required to make
advancements more than once each calendar month, and Borrower shall not be
entitled to receive, and Bank shall not be required to disburse, any Advance
of the Loan after the Advancement Termination Date, or upon the occurrence
and during the continuance of a Default.

     2.3  The Note. Borrower's obligation to repay the Loan shall be
          --------
evidenced by the Note.

     2.4  Interest Rate. Interest on the Loan shall be calculated as
          -------------
follows:

          (A)  During the entire term of the Note, except during any
applicable 30-Day LIBOR Rate Interest Period, 60-Day LIBOR Rate Interest
Period, or 90-Day LIBOR Rate Interest Period, the outstanding principal
balance of the Note shall bear interest at the Base Rate.

          (B)  A Borrower's Representative may from time to time deliver to
Bank (i) a 30-Day LIBOR Rate Notice, in which case the outstanding principal
balance of the Note shall bear interest at the 30-Day Adjusted LIBOR Rate
during the applicable 30-Day LIBOR Rate Interest Period, (ii) a 60-Day LIBOR
Rate Notice, in which case the outstanding principal balance of the Note
shall bear interest at the 60-Day Adjusted LIBOR Rate during the applicable
60-Day LIBOR Rate Interest Period, and (iii) a 90-Day LIBOR Rate Notice, in
which case the outstanding principal balance of the Note shall bear interest
at the 90-Day Adjusted LIBOR Rate during the applicable 90-Day LIBOR Rate
Interest Period. Following the expiration of any applicable LIBOR Rate
Interest Period, if a Borrower's Representative shall not have timely and
properly delivered a LIBOR Rate Notice for a LIBOR Rate Interest Period to
commence as of the expiration of the applicable expiring LIBOR Rate Interest
Period, then the outstanding principal balance of the Note shall
automatically bear interest at the Base Rate until the commencement of the
next LIBOR Rate Interest Period, if any.

     2.5  Payments of Principal and Interest. Principal and interest on the
          ----------------------------------
Loan shall be payable as follows:

                                     14

<PAGE>
<PAGE>

          (A)  On the first Interest Payment Due Date following the date of
the Note, on each successive Interest Payment Due Date thereafter during the
Interest-Only Period, and on the last day of the Interest-Only Period,
Borrower shall pay to Bank all accrued and unpaid interest on the
outstanding principal balance of the Note.

          (B)  On the first Interest Payment Due Date during the Term
Period, and on each successive Interest Payment Due Date thereafter,
Borrower shall pay to Bank all accrued and unpaid interest on the
outstanding principal balance of the Note.

          (C)  On the first Principal Payment Due Date, and on each
successive Principal Payment Due Date thereafter, Borrower shall pay to Bank
a principal payment in an amount of (i) on the first Principal Payment Due
Date, $4,000,000.00, and (ii) thereafter, $5,000,000.00.

          (D)  In addition, promptly upon the receipt thereof, Borrower
shall pay to Bank as a prepayment of principal all monies received with
respect to the Collateral and/or the Leased Equipment, other than monthly
rents received under the EDJ Lease.

          (E)  If not earlier demanded pursuant to Section 8.3 hereof, the
outstanding principal balance of the Loan, together with all accrued and
unpaid interest thereon, shall be due and payable to Bank on the Maturity
Date.

     2.6  Use of Proceeds of Loan. The proceeds of the Loan shall be used to
          -----------------------
finance the purchase of the Leased Equipment.

                                ARTICLE III.

3.   PAYMENTS, ADDITIONAL COSTS, ETC.

     3.1  Payment to Bank.
          ---------------

          (A)  All monies payable to Bank under this Agreement or under the
Note shall be paid directly to Bank in immediately available funds at the
Place for Payment. If Bank shall send Borrower statements of amounts due
hereunder, such statements shall be considered correct and conclusively
binding on Borrower in absence of manifest error. Alternatively, at its
discretion, Bank may charge against any deposit account of Borrower all or
any part of any amount owed by Borrower hereunder.

          (B)  All payments to be made by Borrower hereunder will be made to
Bank not later than 1:00 p.m. at the Place for Payment. Payments received
after 1:00 p.m. at the Place for Payment shall be deemed to be payments made
prior to 1:00 p.m. at the Place for Payment on the next succeeding Business
Day. Borrower hereby authorizes Bank to charge its accounts with Bank in
order to cause timely payment of amounts due hereunder to be made.

          (C)  At the time of making each such payment, Borrower shall,
subject to the other terms and conditions of this Agreement, specify to Bank
the Loan or other obligations of Borrower hereunder to which such payment is
to be applied. In the event that Borrower fails to so specify the

                                     15

<PAGE>
<PAGE>

relevant Loan or if an Event of Default shall have occurred and be
continuing, Bank shall apply such payments first to any expenses or fees
then owing, then to interest then owing, and then to principal of the Loan.

     3.2  Late Payments. If any scheduled payment, whether principal,
          -------------
interest or principal and interest, is late ten (10) days or more, Borrower
agrees to pay a late charge equal to five percent (5%) of the amount of the
payment which is late, but not more than the maximum amount allowed by
applicable Laws. The foregoing provision shall not be deemed to excuse a
late payment or be deemed a waiver of any other rights Bank may have under
this Agreement, including, subject to the terms hereof, the right to declare
the entire unpaid principal and interest immediately due and payable.

     3.3  Prepayment. Borrower may prepay or cause to be prepaid the
          ----------
principal of the Loan in whole or, from time to time, in part, without
premium or penalty. All partial prepayments, whether voluntary or mandatory,
shall (except as may be directed by a Borrower's Representative to the
contrary) be applied first to any expenses for fees then owing, then against
interest then owing, and then to principal of the Loan, provided that no
prepayment shall entitle Borrower to cease making any payment as otherwise
scheduled hereunder.

     3.4  Default Rate. Notwithstanding any provision herein or in any other
          ------------
Loan Document to the contrary, upon the occurrence and during the
continuance of an Event of Default, the Interest Rate payable on the Loan
shall be the Default Rate.

     3.5  No Setoff or Deduction. All payments of principal of and interest
          ----------------------
on the Loan and other amounts payable by Borrower hereunder shall be made by
Borrower without setoff or counterclaim, and, subject to the next succeeding
sentence, free and clear of, and without deduction or withholding for, or on
account of, any present or future taxes, levies, imposts, duties, fees,
assessments, or other charges of whatever nature, imposed by any
Governmental Authority, or by any department, agency or other political
subdivision or taxing authority. If any such taxes, levies, imposts, duties,
fees, assessments, or other charges are imposed, Borrower will pay such
additional amounts as may be necessary so that payment of principal of and
interest on the Loan and other amounts payable hereunder, after withholding
or deduction for or on account thereof, will not be less than any amount
provided to be paid hereunder and, in any such case, Borrower will furnish
to Bank certified copies of all tax receipts evidencing the payment of such
amounts within 30 days after the date any such payment is due pursuant to
applicable Laws.

     3.6  Payment on Non-Business Day; Payment Computations. Except as
          -------------------------------------------------
otherwise provided in this Agreement to the contrary, whenever any
installment of principal of, or interest on, the Loan or other amount due
hereunder becomes due and payable on a day which is not a Business Day, the
maturity thereof shall be extended to the next succeeding Business Day and,
in the case of any installment of principal, interest shall be payable
thereon at the rate per annum determined in accordance with this Agreement
during such extension.

     3.7  Indemnification. If Borrower makes any payment of principal with
          ---------------
respect to the Loan on any other date than the last day of an interest
period applicable thereto, or if Borrower fails to borrow the Loan after
notice has been given to Bank in accordance with this Agreement, or if
Borrower fails to make any payment of principal or interest in respect of
the Loan when due,

                                     16

<PAGE>
<PAGE>

Borrower shall reimburse Bank on demand for any resulting actual loss or
expense incurred by Bank, including without limitation any loss incurred in
obtaining, liquidating or employing deposits from third parties, whether or
not Bank shall have funded or committed to fund the Loan. A statement as to
the amount of such loss or expense, prepared in good faith and in reasonable
detail by Bank and submitted by Bank to Borrower, shall be conclusive and
binding for all purposes absent manifest error in computation. Calculation
of all amounts payable to Bank under this Section shall be made as though
Bank shall have actually funded or committed to fund the Loan through the
purchase of an underlying deposit in an amount equal to the amount of the
Loan in the relevant market and having a maturity comparable to the related
interest period and through the transfer of such deposit to a domestic
office of Bank in the United States; provided, however, that Bank may fund
                                     -----------------
the Loan in any manner it sees fit and the foregoing assumption shall be
utilized only for the purpose of calculation of amounts payable under this
Section.

     3.8  360-Day Year. All interest payable under the Note shall be
          ------------
calculated on the basis of a 360-day year by multiplying the outstanding
principal amount by the applicable per annum rate, multiplying the product
thereof by the actual number of days elapsed, and dividing the product so
obtained by 360.

     3.9  No Requirement to Actually Obtain Funds. Notwithstanding the fact
          ---------------------------------------
that the Interest Rate pursuant to the Loan may be calculated based upon
Bank's cost of funds, Borrower agree that Bank shall not be required actually
to obtain funds from such source at any time.

     3.10 Usury Limitation. If, at any time, the Interest Rate payable on
          ----------------
the Loan shall be deemed by any competent court of law or any Governmental
Authority to exceed the maximum rate of interest permitted by any applicable
Laws, then, for such time as the Interest Rate would be deemed excessive,
its application shall be suspended and there shall be charged instead the
maximum rate of interest permissible under such Laws, and any excess
interest actually collected by Bank shall be credited as a partial
prepayment of principal.

                                ARTICLE IV.

4.   CONDITIONS PRECEDENT

     The obligation of Bank to make the Loan and any Advance hereunder is
subject to the following conditions precedent:

     4.1  Documents Required for the Closing. Prior to or concurrently with
          ----------------------------------
the Closing, the following instruments and documents, duly executed by all
proper Persons shall have been delivered to Bank:

          (A)  This Agreement;

          (B)  The Note;

          (C)  The Guaranty;

                                     17

<PAGE>
<PAGE>

          (D)  The Borrower's Closing Affidavit;

          (E)  The Guarantor's Closing Affidavit;

          (F)  The Financing Statements, together with evidence that the
Financing Statements have been duly recorded in all filing or recording
offices that Bank may deem necessary or desirable in order to create a valid
Lien on the Collateral described therein, and that all filing and recording
taxes and fees have been paid;

          (G)  With respect to each Borrower Party (other than a Borrower
Party that is an individual), a certificate of an officer or other
representative acceptable to Bank dated as of the date of this Agreement,
certifying as to the incumbency and signatures of the representative(s) of
such Borrower Party signing, as applicable, this Agreement and each of the
other Loan Documents, and each other document to be delivered pursuant
hereto, together with the following documents attached thereto:

               (1)  A copy of the resolutions of such applicable Person's
          Governing Body authorizing the execution, delivery and performance
          of this Agreement, each of the Loan Documents, and each other
          document to be delivered pursuant hereto, as applicable;

               (2)  A copy, certified as of the most recent date practicable
          by the secretary of state (or similar Governmental Authority) of
          the state, province, or other Jurisdiction where such Person is
          organized, of such Person's Organizational Documents filed with
          such secretary of state (or similar Governmental Authority);

               (3)  A copy of such Person's other Organizational Documents;

          (H)  A certificate, as of the most recent date practicable, of the
secretary of state (or similar appropriate Governmental Authority) and
department of revenue or taxation (or similar appropriate Governmental
Authority) of each Jurisdiction in which each Borrower Party (other than a
Borrower Party that is an individual) is organized as to the existence and
good standing of each such Person within such Jurisdiction, and a
certificate, as of the most recent date practicable, of the secretary of
state (or similar appropriate Governmental Authority) of each state where
any of the Collateral is located as to the qualification and good standing
of each Borrower Party (other than a Borrower Party that is an individual)
as a foreign entity doing business in each such state;

          (I)  A written opinion of counsel to the Borrower Parties, dated
as of the date of Closing and addressed to Bank, in form and substance
acceptable to Bank;

          (J)  The Financial Statements;

          (K)  Letters and certificates, in form and substance satisfactory
to Bank, attesting to the Solvency of Borrower after giving effect to the
transactions contemplated hereby, from the chief financial officer of
Borrower;

                                     18

<PAGE>
<PAGE>

          (L)  UCC-11 reports showing no Liens superior to the Liens granted
by Borrower under the Security Documents;

          (M)  An Estoppel Certificate;

          (N)  The EDJ Lease, in form and substance satisfactory to Bank;
and

          (O)  Receipt and approval by Bank of all items otherwise
reasonably required to be provided to Bank, and not otherwise set forth
above.

     4.2  Certain Events Required for Closing and for all Advances. At the
          --------------------------------------------------------
time of the Closing and at the time of each Advance, Bank shall be satisfied
that:

          (A)  No Default shall have occurred and be continuing;

          (B)  No Material Adverse Change shall have occurred;

          (C)  All of the Loan Documents shall have remained in full force
and effect;

          (D)  Borrower shall have paid all fees, expenses, costs, and other
amounts then owing to Bank, including but not limited to the Unused Fee;

          (E)  All Indebtedness to be prepaid, redeemed or defeased with the
proceeds of any Advance shall have been satisfied and extinguished;

          (F)  There shall exist no action, suit, investigation, litigation
or proceeding affecting any Borrower Party pending or threatened before any
court, governmental agency or arbitrator that (i) could give rise to a
Material Adverse Change or (ii) purports to affect the legality, validity or
enforceability of this Agreement or any other Loan Document or the
consummation of the transactions contemplated hereby;

          (G)  All Governmental Approvals necessary in connection with the
Loan Documents and the transactions contemplated hereby and thereby shall
have been obtained (without the imposition of any conditions that are not
acceptable to Bank) and shall remain in effect; all applicable waiting
periods shall have expired without any action being taken by any competent
authority; and no Law shall be applicable that restrains, prevents or
imposes materially adverse conditions upon the Loan Documents and the
transactions contemplated hereby and thereby; and

          (H)  Insurance required under the EDJ Lease is in full force and
effect.

     4.3  Legal Matters. At the time of Closing, and the disbursement of
          -------------
each Advance, all legal matters incidental thereto shall be satisfactory to
Gordon, Silberman, Wiggins & Childs, P.C., counsel to Bank.

     4.4  Election to Make Advances Prior to Satisfaction of Conditions
          -------------------------------------------------------------
Precedent. In the event Bank, at its option, elects to make one or more
---------
Advances prior to receipt and approval of all

                                     19

<PAGE>
<PAGE>

items required by this Article, such election shall not constitute any
commitment or agreement of Bank to make any subsequent Advance until all
items required by this Article have been delivered.

                                 ARTICLE V.

5.   COLLATERAL SECURITY

     5.1  Grant of Lien and Security Interest.
          -----------------------------------

          (A)  To secure all the Obligations, including the compliance by
Borrower with Borrower's obligations under this Agreement, Borrower hereby
assigns, transfers and sets over to Bank all of Borrower's Interest in and
to, and grants Bank a Lien upon, on and in the Collateral.

          (B)  No submission by Borrower to Bank of a schedule or other
particular identification of Collateral shall be necessary to vest in Bank
security title to and a security interest in each and every item of
Collateral now existing or hereafter created and acquired, but rather such
title and security interest shall vest in Bank immediately upon the creation
or acquisition or any item of Collateral hereafter created or acquired,
without the necessity for any other or further action by Borrower or by
Bank.

     5.2  Maintenance of Lien.
          -------------------

          (A)  In connection with any Lien granted to Bank as provided for
herein or in any Security Document, Borrower will:

               (1)  Execute such documents and instruments, including
          amendments to the Security Documents and Financing Statements
          (including amendments thereto and continuation statements thereof)
          in form reasonably satisfactory to Bank as Bank, from time to
          time, may specify, and pay, or reimburse Bank upon demand for
          paying, all costs and taxes of filing or recording the same in such
          Jurisdictions as Bank may reasonably designate; and

               (2)  Take such other steps as Bank, from time to time, may
          reasonably direct to protect, perfect, and maintain Bank's Lien on
          the Collateral; and

          (B)  In addition to the foregoing, and not in limitation thereof,
Borrower agrees that:

               (1)  A carbon, photographic, or other reproduction of this
          Agreement shall be sufficient as a Financing Statement and may be
          filed in any appropriate office in lieu thereof; and

               (2)  Borrower hereby appoints Bank as its attorney-in-fact
          (without requiring Bank to act as such) to execute any Financing
          Statement in the name of Borrower, and to perform all other acts
          that Bank reasonably deems appropriate to perfect and continue its
          Lien upon, on and in, and to protect and preserve, the Collateral;
          provided, however, that

                                     20

<PAGE>
<PAGE>

          Bank agrees not to perform any such act unless Borrower has failed
          to perform such act within fifteen (15) days of Bank's written
          demand therefor.

                                 ARTICLE VI.

6.   REPRESENTATIONS AND WARRANTIES.

     Borrower represents and warrants to Bank, knowing that Bank will rely
on such representations and warranties as an inducement to make the Loan,
that:

     6.1  Borrower's Existence. Borrower is a duly organized and existing
          --------------------
Missouri limited partnership in good standing and has full power and
authority to consummate the transactions contemplated by this Agreement.

     6.2  Borrower's Authority. The execution, delivery and performance of
          --------------------
all of the Loan Documents have been duly authorized by all requisite action
by Borrower. All of the Loan Documents have been duly executed and delivered
and constitute valid and binding obligations of each Borrower Party a party
thereto, enforceable in accordance with their respective terms (except as
may be limited by applicable Bankruptcy Laws and general principles of
equity), and Bank will be entitled to the benefits of all of the Loan
Documents.

     6.3  Borrower's General Partner. Borrower's General Partner is LHC,
          --------------------------
Inc., a Missouri corporation.

     6.4  Borrower's Name. Set forth on Schedule 6.4 is a complete and
          ---------------               ------------
accurate list of all names under which Borrower has done business in the
last six years.

     6.5  Consents or Approvals. No consent of any Third Party and no
          ---------------------
authorization, approval or other action by, and no notice to or filing with,
any Governmental Authority or other Third Party is required either (i) for
the due execution, delivery, recordation, filing or performance by Borrower
of this Agreement or any other Loan Document or for the consummation of the
transaction contemplated hereby, (ii) for the mortgage, pledge, assignment,
or grant by Borrower of the Lien granted pursuant to the Security Documents,
(iii) for the perfection or maintenance of the Lien created by the Security
Documents, except for the recording of the Financing Statements, (iv) for
the exercise by Bank of its rights or remedies provided for in this
Agreement or in any of the other Loan Documents, except as may be required
by applicable Laws in connection with the foreclosure and disposition of the
Collateral, or (v) for the operation of Borrower's businesses. All
applicable waiting periods, if any, in connection with the transactions
contemplated hereby have expired without any action having been taken by any
Person restraining, preventing or imposing materially adverse conditions
upon the rights of Borrower to enter into and perform its obligations under
this Agreement.

     6.6  Violations or Actions Pending. There are no actions, suits, or
          -----------------------------
proceedings pending or, to the best of Borrower's knowledge, threatened,
which might give rise to a Material Adverse Change or which might impair the
value of the Collateral. Borrower is not in violation of any agreement the
violation of which will or might reasonably be expected to give rise to a
Material

                                     21

<PAGE>
<PAGE>

Adverse Change, and Borrower is not in violation of any order, judgment, or
decree of any court, or any statute or governmental regulation to which
Borrower is subject. The execution and performance of this Agreement by
Borrower will not result in any breach of any mortgage, lease, credit or
loan agreement or any other instrument which may bind or affect Borrower.

     6.7  Existing Indebtedness. Borrower is not in default with respect to
          ---------------------
any of the Existing Indebtedness.

     6.8  Tax Returns. Except as may otherwise be permitted herein, all
          -----------
federal, state, local and other tax returns and reports of Borrower required
by Laws have been completed in full and have been duly filed, and all taxes,
assessments and withholdings shown on such returns or billed to Borrower
have been paid, and Borrower maintains adequate provisions and accruals in
respect of all such federal, state, local and other taxes, assessments and
withholdings. There are no unpaid assessments pending against Borrower for
any taxes or withholdings, and Borrower knows of no basis therefor.

     6.9  Financial Statements. All financial statements of the Borrower
          --------------------
Parties heretofore given and hereafter to be given to Bank are and will be
true and complete in all material respects as of their respective dates and
prepared in accordance with Generally Accepted Accounting Principles, and
fairly represent and will fairly represent the financial conditions of the
Persons to which they pertain in all material respects, and no Material
Adverse Change has or will have occurred in the financial conditions
reflected therein after the respective date thereof upon delivery to Bank,
except as may be disclosed in writing to Bank.

     6.10 Good and Marketable Title. Borrower has good and marketable title
          -------------------------
to the Collateral and, upon the acquisition thereof, will have good and
marketable title to the Leased Equipment, and neither the Collateral nor the
Leased Equipment is or shall be subject to any Lien other than the Lien
granted pursuant to this Agreement.

     6.11 Solvency. Borrower is Solvent.
          --------

     6.12 Priority of Liens. The Liens granted by this Agreement and the
          -----------------
Security Documents constitute a first Lien against the Collateral, prior to
all other Liens and encumbrances, including those which may hereafter
accrue.

     6.13 Accuracy of Documents. All documents furnished to Bank by or on
          ---------------------
behalf of Borrower as part of or in support of the application for the Loan
or this Agreement are true, correct, complete and accurately represent the
matters to which they pertain in all material respects.

     6.14 Environmental Matters. Borrower is not in violation of or subject
          ---------------------
to any existing, pending or threatened investigation or inquiry by any
Governmental Authority or any remedial obligations under any applicable
Environmental Laws, and there are no facts, conditions or circumstances
known to it which could result in any such investigation or inquiry if such
facts, conditions and circumstances, if any, were fully disclosed to the
applicable Governmental Authority, and Borrower will promptly notify Bank if
Borrower becomes aware of any such facts, conditions or circumstances or any
such investigation or inquiry.

                                     22

<PAGE>
<PAGE>

     6.15 EDJ Lease.
          ---------

          (A)  Borrower is the sole owner and holder of Borrower's Interest
in the EDJ Lease and the Rents, and Borrower has not transferred or
otherwise assigned Borrower's Interest in the EDJ Lease and/or the Rents.

          (B)  The EDJ Lease is valid and enforceable and in full force and
effect, and has not been altered, modified or amended in any manner
whatsoever except as permitted in this Agreement.

     6.16 Continuing Effectiveness. All representations and warranties
          ------------------------
contained herein shall be deemed continuing and in effect at all times while
Borrower remains indebted to Bank pursuant to the Loan and shall be deemed
to be incorporated by reference in each requisition for an Advance by
Borrower.

                                ARTICLE VII.

7.   BORROWER'S COVENANTS

     Borrower does hereby covenant and agree with Bank that, so long as any
of the Obligations remain unsatisfied or any commitments hereunder remain
outstanding, Borrower at all times will comply or cause to be complied with
the following covenants:

     7.1  Affirmative Covenants.
          ---------------------

          (A)  Borrower will duly and promptly pay and perform all of
Borrower's Obligations to Bank according to the terms of this Agreement and
the other Loan Documents, and will cause each other Borrower Party to
perform such other Borrower Party's Obligations to Bank according to the
terms of this Agreement and the other Loan Documents.

          (B)  Borrower will use the proceeds of the Loan only for the
purposes set forth in Section 2.6, and Borrower will furnish Bank such
evidence as it may reasonably require with respect to such uses.

          (C)  Borrower will furnish or cause to be furnished to Bank:

               (1)  Within forty-five (45) days after each Quarter-End, an
          unaudited (management-prepared) balance sheet and consolidated
          statements of income and cash flow of the Borrower Parties for
          such Quarter, all in reasonable detail with Bank having full
          access to all supporting schedules and comments, and certified by
          Borrower's president or principal financial officer to have been
          prepared in accordance with Generally Accepted Accounting
          Principles consistently applied by Borrower, except for any
          inconsistencies explained in such certificate;

               (2)  Within ninety (90) days after each Fiscal Year-End (a) a
          statement of Equity Owners' Equity and a statement of cash flows
          of Borrower for such Fiscal Year, (b) an income statement of each
          Borrower Party for such Fiscal Year, and (c) a balance sheet

                                     23

<PAGE>
<PAGE>

          of each Borrower Party as of the end of such Fiscal Year, all in
          reasonable detail, including all supporting schedules and
          comments; the statements and balance sheets of Borrower to be
          audited by an independent certified public accountant selected by
          Borrower, and certified by such accountants to have been prepared
          in accordance with Generally Accepted Accounting Principles
          consistently applied by Borrower, except for any inconsistencies
          explained in such certificate.

               (3) Contemporaneously with each quarterly and year-end
          financial report required by the foregoing paragraphs, a
          certificate of the president or principal financial officer of
          Borrower stating that he or she has individually reviewed the
          provisions of this Agreement and that a review of the activities
          of Borrower during such year or monthly period, as the case may
          be, has been made by or under the supervision of the signers of
          such certificate with a view to determining whether Borrower has
          kept, observed, performed and fulfilled all of its obligations
          under this Agreement, and that, to the best of his or her
          knowledge, Borrower has observed and performed each and every
          undertaking contained in this Agreement and is not at the time in
          default in the observance or performance of any of the terms and
          conditions hereof or, if Borrower shall be so in default,
          specifying all such defaults and events of which he or she may
          have knowledge and setting forth financial data and computation
          evidencing Borrower's compliance with the financial covenants set
          forth in this Agreement; and

               (4) Promptly after sending or making available or filing of
          the same, copies of all reports, proxy statements and financial
          statements that Borrower sends or makes available to its Equity
          Owners and all registration statements and reports that Borrower
          file with the Securities and Exchange Commission (or any other
          similar Governmental Authority) or any successor Person.

               (5) Within forty-five (45) days of each Quarter-End, an
          Estoppel Certificate.

          (D)  Borrower will duly and promptly perform all of Borrower's
obligations under the EDJ Lease according to the terms thereof.

          (E)  Borrower will furnish to Bank, if Bank so requests, the
contracts, bills of sale, receipted vouchers, and agreements, or any of
them, under which Borrower claims title to the Leased Equipment.

          (F)  Borrower will certify to Bank upon request by Bank that:

               (1) Borrower has complied with and is in compliance with all
          terms, covenants and conditions of this Agreement which are
          binding upon it in all material respects;

               (2) there exists no Default; or, if such is not the case,
          that one or more specified Defaults have occurred; and

                                     24

<PAGE>
<PAGE>

               (3) the representations and warranties contained in this
          Agreement are true with the same effect as though made on the date
          of such certificate.

          (G)  Borrower will, when requested so to do, make available for
inspection and audit by duly authorized representatives of Bank any of its
Records pertaining to the Collateral, and will furnish Bank any information
regarding its business affairs and financial condition as reasonably
requested by Bank and within a reasonable time after written request
therefor. Borrower shall reimburse Bank for all costs associated with such
audit if the audit reveals a material discrepancy in any financial report,
statement or other document provided to Bank pursuant to this Agreement.

          (H)  Borrower will keep accurate and complete Records, consistent
with sound business practices.

          (I)  Within ten (10) days of Bank's request therefor, Borrower
will furnish or cause to be furnished to Bank copies of income tax returns
filed by any Borrower.

          (J)  Borrower will pay when due (or within applicable grace
periods) all Indebtedness due Third Persons, unless the failure so to pay
such Indebtedness would not give rise to a Material Adverse Change.

          (K)  Borrower will notify Bank thirty (30) days in advance of any
change in the location of any place of business or the chief executive
office of Borrower or of the establishment of any new place of business or
new chief executive office, the discontinuance of any existing place of
business or chief executive office, or the state of organization of
Borrower.

          (L)  Borrower will notify Bank immediately if it becomes aware of
the occurrence of any Default, or if it becomes aware of any Material
Adverse Change or the occurrence of any event that might give rise to a
Material Adverse Change.

     7.2  Negative Covenants.
          ------------------

          (A)  Borrower will not, without Bank's prior written consent
(which consent Bank agrees shall not be unreasonably withheld or delayed),
change its name, enter into any merger, consolidation, liquidation,
reorganization or recapitalization, or dissolve.

          (B)  Except as provided under the EDJ Lease, Borrower will not,
without Bank's prior written consent, sell, transfer, lease or otherwise
dispose of, or enter into any agreement to sell, lease, transfer, assign or
otherwise dispose of, the Collateral and/or the Leased Equipment.

          (C)  Borrower will not permit any changes to the EDJ Lease, unless
there is first obtained the prior written approval of Bank, such approval
not to be unreasonably withheld.

          (D)  Borrower will not furnish Bank any certificate or other
document that will contain any untrue statement of material fact or that
will omit to state a material fact necessary to make it not misleading in
light of the circumstances under which it was furnished.

                                     25

<PAGE>
<PAGE>

          (E)  Borrower will not directly or indirectly apply any part of
the proceeds of the Loan to the purchasing or carrying of any "margin stock"
within the meaning of Regulation G, Regulation T, Regulation U, or Regulation
X, or any regulations, interpretations or rulings thereunder.

     7.3  Financial Covenants.
          -------------------

          (A)  Borrower will maintain or cause to be maintained:

               (1)  A Fixed Charge Coverage of not less than 1.0 to 1.0;
provided that if the Fixed Charge Coverage is less than 1.0 to 1.0 at any
Quarter-End, an additional calculation shall be made including the amount of
Borrower's cash on hand and United States Government securities, valued at
the lower of cost or market, in the numerator of the ratio in determining
Fixed Charge Coverage for such Quarter and, if such additional calculation
results in a ratio of not less than 1.0 to 1.0, Borrower shall not be deemed
in violation of this covenant; and

               (2)  Tangible Net Worth of, at minimum, $14,000,000.00.

          (B)  Borrower will not declare or pay any dividends, or make any
other payment or distribution on account of its Equity Interests in an
amount such that such payment or other distribution shall cause the
violation of any other covenant or agreement of Borrower set forth herein.

     7.4  Insurance Covenants. Borrower will maintain, or cause to be
          -------------------
maintained, insurance as required under the EDJ Lease. Borrower will, upon
request, furnish to Bank a certificate of insurance, duly executed by an
authorized agent, and other such evidence of insurance as Bank may require.

     7.5  EDJ Lease Covenants.
          -------------------

          (A)  Except as may be agreed to by Bank in writing or otherwise be
expressly provided for in this Agreement, including the immediately
following paragraph, Borrower shall (a) observe and perform all the
obligations imposed upon Borrower under the EDJ Lease; (b) not do, or permit
to be done, anything to impair the security of the EDJ Lease; (c) promptly
send to Bank copies of each notice of default which Borrower shall send or
receive under the EDJ Lease; (d) enforce the performance and observance of
the provisions of the EDJ Lease; (e) not collect any amounts under the EDJ
Lease unless such amounts are immediately paid to Bank as a prepayment of
principal; (f) not grant any rights or Liens with respect to the EDJ Lease
and/or the Leased Equipment, or permit, consent, or agree to the same; (g)
not alter, modify or change the terms of the EDJ Lease, nor give any consent
to exercise any option required or permitted by such terms; (h) not cancel
or terminate the EDJ Lease, or accept a surrender of the EDJ Lease; (i) not
convey or transfer, and shall not suffer or permit a conveyance or transfer
of, the Leased Equipment, or of any interest in the Leased Equipment, except
as permitted by the EDJ Lease; and (j) execute and deliver, at the request
of Bank, all other further assurances, confirmations and assignments in the
EDJ Lease as Bank shall, from time to time, reasonably require in order to
evidence or secure the rights of Bank hereunder.

                                     26

<PAGE>
<PAGE>

          (B)  Notwithstanding the provisions of the immediately preceding
paragraph, so long as there shall not exist any Event of Default, then
Borrower shall have the right to continue to exercise all its rights and
perform its obligations under the EDJ Lease, including the right to collect
each payment of monthly Rents as provided in the EDJ Lease and retain such
payments for its own use.

     7.6  Borrower's General Covenants and Agreements Pertaining to the
          -------------------------------------------------------------
Collateral. Borrower covenants and agrees that:
----------

          (A)  The address of Borrower's principal place of business (or
chief executive office if more than one), the office where Borrower keeps
and will keep Borrower's Records, including without limitation, those
Records concerning the Collateral, are correctly set forth on Schedule
                                                              --------
7.6(A); and Borrower shall immediately advise Bank in writing of any change
------
in any of said addresses. No Borrower shall remove such Records from the
place or places set forth on Schedule 7.6(A), nor shall any Borrower keep
                             ---------------
any of such Records or the Collateral at any other locations unless (i)
Borrower gives Bank at least 10 days' written notice thereof and of the new
location, and (ii) the new location is within the continental United States
of America. Borrower shall give Bank at least 10 days' prior written notice
of Borrower's opening of any new office or place of business or of its
closing of any existing office or place of business, and any such office or
place of business shall be within the continental United States of America.

          (B)  Bank may correct any and all patent errors in this Agreement
or any financing statements or other documents executed in connection
herewith.

          (C)  Borrower shall furnish to Bank from time to time statements
and schedules and such other reports in connection with the Collateral
and/or the Leased Equipment as Bank may reasonably request.

          (D)  Borrower shall keep and maintain at its own cost and expense
satisfactory and complete Records of the Collateral and the Leased Equipment
at its principal place of business, including without limitation, a record
of all payments received and all other dealings with the Collateral. After
the occurrence of and during the continuance of any Event of Default,
Borrower shall deliver and turn over to Bank any such Records at any time on
demand of Bank.

          (E)  Promptly after Borrower's learning thereof, Borrower shall
inform Bank in writing of any material delay or default in Borrower's or
EDJ's performance of any of their respective obligations under the EDJ
Lease, if such delay or default may give rise to any Material Adverse
Change.

     7.7  Visitation. Borrower agrees to permit representatives of Bank from
          ----------
time to time to visit and inspect all Records related to the Collateral
and/or the Leased Equipment, and to discuss the affairs and finances of
Borrower with and be advised as to the same by the officers of Borrower and
EDJ, as applicable.

     7.8  Filing Fees and Taxes. Borrower covenants and agrees to pay all
          ---------------------
recording and filing fees, revenue stamps, taxes and other expenses and
charges payable in connection with the execution

                                     27

<PAGE>
<PAGE>

and delivery to Bank of this Agreement and the other Loan Documents, and the
recording, filing, satisfaction, continuation and release of any financing
statements or other instruments filed or recorded in connection herewith or
therewith.

     7.9  Further Assurances. Borrower covenants and agrees that, at
          ------------------
Borrower's cost and expense, upon request of Bank, Borrower shall duly
execute and deliver, or cause to be duly executed and delivered, to Bank
such further instruments and do and cause to be done such further acts as
may be reasonably necessary or proper in the opinion of Bank or its counsel
to carry out more effectively the provisions and purposes of this Agreement.

                               ARTICLE VIII.

8.   DEFAULT

     8.1  Events of Default. The occurrence of any one or more of the
          -----------------
following events shall constitute an Event of Default hereunder:

          (A)  Borrower shall fail to pay any installment of principal or
interest or fee payable hereunder or under the Note within five (5) days of
the due date thereof.

          (B)  Any Borrower Party shall fail to observe or perform any other
obligations to be observed or performed by it hereunder or under any of the
Loan Documents, and such failure shall continue for ten (10) days after:

               (1)  Written notice of such failure from Bank; or

               (2) Bank is notified of such failure or should have been so
          notified pursuant to Section 7.1(K), 7.1(L), 7.6(A), or 7.6(E),
          whichever is earlier.

          (C)  Failure by any Borrower Party to perform any other term,
condition or covenant contained in this Agreement or any other Loan
Document, which failure is not cured after the giving of any required notice
set forth in such document and the expiration of any applicable cure period.

          (D)  There shall occur any Event of Default as defined and
provided under any other Loan Document.

          (E)  The validity or enforceability of this Agreement, the Note,
or any of the other Loan Documents shall be contested by any Borrower Party,
and/or any Borrower Party shall deny that it has any or further liability or
obligation hereunder or thereunder.

          (F)  The validity or enforceability of the EDJ Lease shall be
contested by EDJ, and/or EDJ shall deny that it has any or further liability
or obligation thereunder.

                                     28

<PAGE>
<PAGE>

          (G)  At Bank's election and upon ten (10) days' prior written
notice from Bank to Borrower, the occurrence of any default (after any
applicable grace and cure period) under the EDJ Lease (as provided for
therein) and/or the termination of the EDJ Lease.

          (H)  Assignment or attempted assignment by any Borrower Party of
this Agreement, any rights hereunder, or any Advance to be made hereunder,
or the conveyance, lease, mortgage, or any other alienation or encumbrance
of the Collateral or any interest therein without the prior written consent
of Bank, except for transfers permitted hereunder or under any other Loan
Document.

          (I)  The institution of a foreclosure or other possessory action
against the Collateral, the Leased Equipment, or any part thereof.

          (J)  Any financial statement, representation, warranty or
certificate made or furnished by any Borrower Party to Bank in connection
with this Agreement, or as inducement to Bank to enter into this Agreement,
or in any separate statement or document to be delivered hereunder to Bank,
shall be materially false, incorrect, or incomplete when made.

          (K)  Any Material Adverse Change arising under paragraph (A) or
(B) of the definition thereof.

          (L)  Any Borrower Party or EDJ shall admit its inability to pay
its debts as they mature, or shall make an assignment for the benefit of
itself or any of its creditors.

          (M)  The dissolution of any Borrower Party or EDJ.

          (N)  Proceedings in Bankruptcy, or for reorganization of any
Borrower Party or EDJ, or for the readjustment of any of their debts, under
the Bankruptcy Code, as amended, or any part thereof, or under any other
Laws, whether state or federal, for the relief of debtors, now or hereafter
existing, shall be commenced by any Borrower Party or EDJ, or shall be
commenced against any Borrower Party or EDJ and shall not be discharged
within sixty (60) days of commencement.

          (O)  A receiver or trustee shall be appointed for any Borrower
Party or EDJ, or for any substantial part of their respective assets, or any
proceedings shall be instituted for the dissolution or the full or partial
liquidation of any Borrower Party or EDJ, and such receiver or trustee shall
not be discharged within thirty (30) days of his appointment, or such
proceedings shall not be discharged within sixty (60) days of its
commencement, or any Borrower Party or EDJ shall discontinue business or
materially change the nature of its business.

          (P)  A judgment creditor shall obtain possession of any of the
Collateral or the Leased Equipment by any means, including, without
limitation, levy, distraint, replevin or self-help.

     Provided that with respect to any of the foregoing, such Event of
Default will be deemed to have occurred upon the occurrence of such event
Without Notice if Bank is prevented from giving notice by Bankruptcy or
other applicable Law.

                                     29

<PAGE>
<PAGE>

     8.2  No Advances After Default. Upon the occurrence and during the
          -------------------------
continuance of any Default, and notwithstanding any provision contained
herein or in any other Loan Document to the contrary, Bank shall have the
absolute right to refuse to make, and shall be under no obligation to make,
any further Advances.

     8.3  Acceleration. All Obligations shall, at the option of Bank, become
          ------------
immediately due and payable, Without Notice, upon the occurrence of an Event
of Default without further action of any kind.

     8.4  General Remedies. Upon the occurrence of any Event of Default,
          ----------------
Bank shall have, in addition to the rights and remedies given it by this
Agreement and the other Loan Documents, all those allowed by all applicable
Laws, including but without limitation, the Uniform Commercial Code. Without
limiting the generality of the foregoing, Bank may immediately, Without
Notice (but in accordance with applicable Law), sell at public or private
sale or otherwise realize upon, the whole or, from time to time, any part of
the Collateral.

     8.5  Bank's Additional Rights and Remedies. Upon the occurrence of any
          -------------------------------------
Event of Default and except as may otherwise be prohibited or expressly
provided for to the contrary under applicable Law, in addition to any rights
or remedies Bank may otherwise have under this Agreement, any other Loan
Documents, or under applicable Laws, Without Notice (but in accordance with
applicable Law), Bank shall have the right to take any or all of the
following actions at the same or different times:

          (A)  To cancel Bank's obligations arising under this Agreement;

          (B)  To institute appropriate proceedings to specifically enforce
performance of the terms and conditions of this Agreement;

          (C)  To proceed to perform any and all of the duties and
obligations and exercise all the rights and remedies of Borrower contained
in the EDJ Lease as fully as Borrower could itself;

          (D)  To collect the Rents and have, hold, manage, lease and
operate the Leased Equipment pursuant to the EDJ Lease as if Bank were the
lessor thereunder and an original party thereto. In connection with the
foregoing, Borrower hereby authorizes EDJ, upon receipt from Bank of written
notice to the effect that an Event of Default exists, to perform all of its
obligations under the EDJ Lease as directed by Bank, and to continue to do
as so directed until otherwise notified by Bank.

          (E)  To send any written notice to Borrower required by Law or
this Agreement in the manner set forth in Section 10.1 of this Agreement;
and any notice sent by Bank in such manner at least five (5) Business Days
(counting the date of sending) prior to the date of a proposed disposition
of the Collateral shall be deemed to be reasonable notice (provided,
however, that nothing contained herein shall be deemed to require 10 days'
notice if, under the applicable circumstances, a shorter period of time
would be allowed under applicable Law); and

                                     30

<PAGE>
<PAGE>

          (F)  To exercise, in addition to all other rights which it has
under this Agreement or other applicable Law, all of the rights and remedies
of a secured party upon default under the Uniform Commercial Code or other
applicable Law.

     8.6  Right of Set-Off. Upon the occurrence of and during the
          ----------------
continuance of any Event of Default, Bank may, and is hereby authorized by
Borrower, at any time and from time to time, to the fullest extent permitted
by applicable Laws, and Without Notice to Borrower, set-off and apply any
and all deposits (general or special, time or demand, provisional or final)
at any time held and any other Indebtedness at any time owing by Bank to, or
for the credit or the account of, Borrower against any or all of the
Obligations of Borrower now or hereafter existing whether or not such
Obligations have matured and irrespective of whether Bank has exercised any
other rights that it has or may have with respect to such Obligations,
including without limitation any acceleration rights. The aforesaid right of
set-off may be exercised by Bank against Borrower or against any trustee in
bankruptcy, debtor in possession, assignee for the benefit of the creditors,
receiver, or execution, judgment or attachment creditor of Borrower, or such
trustee in bankruptcy, debtor in possession, assignee for the benefit of
creditors, receiver, or execution, judgment or attachment creditor,
notwithstanding the fact that such right of set-off shall not have been
exercised by Bank prior to the making, filing or issuance, or service upon
Bank of, or of notice of, any such petition; assignment for the benefit of
creditors; appointment or application for the appointment of a receiver; or
issuance of execution, subpoena, order or warrant. Bank agrees to promptly
notify Borrower after any such set-off and application, provided that the
failure to give such notice shall not affect the validity of such set-off
and application. The rights of Bank under this Section are in addition to
the other rights and remedies (including, without limitation, other rights
of set-off) which Bank may have.

     8.7  No Limitation on Rights and Remedies. The enumeration of the
          ------------------------------------
powers, rights and remedies in this Article shall not be construed to limit
the exercise thereof to such time as an Event of Default occurs if, under
applicable Law or any other provision of this Agreement or any other Loan
Document, Bank has any of such powers, rights and remedies regardless of
whether an Event of Default has occurred, and any limitation contained
herein or in any of the other Loan Documents as to Bank's exercise of any
power, right or remedy for a period of time only during the continuance of
an Event of Default shall only be applicable at such time as Bank shall have
actual knowledge that such Event of Default is no longer continuing and for
a reasonable time thereafter as may be necessary for Bank to cease the
exercise of such powers, rights and remedies (it being expressly understood
and agreed that until such time as Bank shall obtain such knowledge and after
the expiration of such reasonable time, Bank shall have no liability
whatsoever for the commencement of or continuing exercise of any such power,
right or remedy).

     8.8  Application of Proceeds. Except as otherwise expressly required to
          -----------------------
the contrary by applicable Law or any other Loan Document, the net cash
proceeds resulting from the exercise of any of the rights and remedies of
Bank under this Agreement, after deducting all charges, expenses, costs and
attorneys' fees relating thereto, shall be applied by Bank to the payment of
the Obligations, whether due or to become due, in such order and in such
proportions as Bank may elect; and Borrower shall remain liable to Bank for
any deficiency.

     8.9  Attorney-in-Fact. Borrower hereby appoints Bank (and Bank's
          ----------------
agents) as Borrower's attorney-in-fact for the purpose of and with the right
and power to do all acts and things necessary,

                                     31

<PAGE>
<PAGE>

in Bank's reasonable discretion, to fulfill Borrower's obligations under
this Agreement and the EDJ Lease, and to otherwise carry out the purposes of
this Agreement and the EDJ Lease; provided, however, that Bank agrees not to
exercise such rights and powers until the occurrence of an Event of Default.

                                ARTICLE IX.

9.   MISCELLANEOUS

     9.1  Termination of Bank's Lien. This Agreement and any Lien granted to
          --------------------------
Bank under this Agreement or any other Loan Document in the Collateral will
not be terminated until one of Bank's officers signs a written termination
or satisfaction agreement to such effect. Even if all of the Obligations
owing to Bank at any time should be paid, Bank's Lien will continue to
secure any amount Borrower should later owe Bank pursuant to this Agreement
or the other Loan Documents until the written termination or satisfaction
agreement referred to above has been executed by Bank. Except as otherwise
expressly provided for in this Agreement, no termination of this Agreement
shall in any way affect or impair the representations, warranties,
agreements, covenants, obligations, duties and Obligations of any Borrower
Party or the powers, rights, and remedies of Bank under this Agreement with
respect to any transaction or event occurring prior to such termination, all
of which shall survive such termination. Except as may otherwise expressly
be provided herein to the contrary, in no event shall Bank be obligated to
terminate any Lien granted to Bank under this Agreement or any other Loan
Document or return or release the Collateral or any portion thereof to
Borrower (a) until indefeasible payment in full of the Obligations, or (b)
if Bank is obligated to extend credit to Borrower under this Agreement.

     9.2  Construction. The provisions of this Agreement shall be in
          ------------
addition to those of any other Loan Document and any guaranty, pledge or
security agreement, mortgage, deed of trust, security deed, note or other
evidence of liability given by Borrower to Bank to or for the benefit of,
all of which shall be construed as complementary to each other, and all
existing liabilities and obligations of Borrower to Bank and any Liens
heretofore granted to or for the benefit of Bank shall, except and only to
the extent expressly provided herein to the contrary, remain in full force
and effect, and shall not be released, impaired, diminished, or in any other
way modified or amended as a result of the execution and delivery of this
Agreement or any other Loan Document or by the agreements and undertaking of
Borrower contained herein and therein. Nothing herein contained shall
prevent Bank from enforcing any or all other notes, guaranties, pledges or
security agreements, mortgages, deeds of trust, or security deeds in
accordance with their respective terms. In the event of a conflict between
any of the provisions of this Agreement, the Note, any one or more of the
Security Documents or any other Loan Document, the provisions most favorable
to Bank shall control.

     9.3  Further Assurance. From time to time, Borrower will execute and
          -----------------
deliver to Bank such additional documents and will provide such additional
information as Bank may reasonably require to carry out the terms of this
Agreement and be informed of the status and affairs of Borrower.

     9.4  Indemnity.
          ---------

                                     32

<PAGE>
<PAGE>

          (A)  Borrower hereby agrees to indemnify Bank and its officers,
directors, agents, and attorneys against, and to hold Bank and all such
other Persons harmless from all Indemnified Losses resulting from any
representation or warranty made by any Borrower Party or on Borrower's
behalf pursuant to this Agreement having been false when made, or resulting
from Borrower's breach of any of the covenants set forth in this Agreement,
which indemnification is in addition to, and not in derogation of, any
statutory, equitable, or common law right or remedy Bank may have for breach
of representation, warranty, statement or covenant or otherwise may have
under any of the Loan Documents. This agreement of indemnity shall be a
continuing agreement and shall survive payment of the Loan and termination
of this Agreement.

          (B)  With respect to any claim for indemnification under paragraph
(A) or any matter with respect to which a claim may arise, if such claim or
matter involves a claim of any Person other than Borrower and Bank (a "Third
Party Claim"), then Borrower shall have the right, at its sole cost and
expense, and through counsel of its choice (which counsel shall be
reasonably satisfactory to Bank), to litigate, defend, settle or otherwise
attempt to resolve such Third Party Claim; provided, however, that if in
Bank's reasonable judgment a conflict of interest may exist between Bank and
Borrower with respect to such Third Party Claim, then Bank shall be entitled
to select counsel of its own choosing, reasonably satisfactory to Borrower,
in which event Borrower shall be obligated to pay the fees and expenses of
such counsel. If Borrower fails or refuses to provide a defense to any Third
Party Claim, then Bank shall have the right to undertake the defense,
compromise or settlement of such Third Party Claim, through counsel of its
choice, on behalf of and for the account and at the risk of Borrower, and
Borrower shall be obligated to pay the costs, expenses and attorney's fees
incurred by Bank in connection with such Third Party Claim. In any event,
Borrower and Bank shall fully cooperate with each other and their respective
counsel in connection with any such litigation, defense, settlement or other
attempted resolution.

     9.5  Bank's Consent. Except where otherwise expressly provided in the
          --------------
Loan Documents, in any instance where the approval, consent, or the exercise
of Bank's judgment or discretion is required or permitted, the granting or
denial of such approval or consent and the exercise of such judgment or
discretion shall be (a) within the sole discretion of Bank; and (b) deemed
to have been given only by a specific writing intended for the purpose given
and executed by Bank.

     9.6  Enforcement and Waiver by Bank. Bank shall have the right at all
          ------------------------------
times to enforce the provisions of this Agreement and each of other Loan
Documents in strict accordance with the terms hereof and thereof,
notwithstanding any conduct or custom on the part of Bank in refraining from
so doing at any time or times. The failure of Bank at any time or times to
enforce its rights under such provisions, strictly in accordance with the
same, shall not be construed as having created a custom in any way or manner
contrary to specific provisions of this Agreement or as having in any way or
manner modified or waived the same. All rights and remedies of Bank are
cumulative and the exercise of one right or remedy shall not be deemed a
waiver or release of any other right or remedy.

     9.7  No Representation, Assumption, or Duty. Nothing, including any
          --------------------------------------
Advance or acceptance of any document or instrument, shall be construed as a
representation or warranty, express or implied, to any Person by Bank. Any
inspection or audit of the Collateral or the Records of Borrower, or the
procuring of documents and financial and other information, by or on behalf
of

                                     33

<PAGE>
<PAGE>

Bank shall be for Bank's protection only, and shall not constitute any
assumption of responsibility by Bank with respect thereto or relieve
Borrower of any of Borrower's obligations.

     9.8  Expenses of Bank. Borrower will, on demand, reimburse Bank for all
          ----------------
expenses incurred by Bank in connection with the preparation, administration,
amendment, modification or enforcement of this Agreement and the other Loan
Documents and/or in the collection of any amounts owing from Borrower or any
other Person to Bank under this Agreement or any other Loan Document and,
until so paid, the amount of such expenses shall be added to and become part
of the amount of the Obligations.

     9.9  Attorneys' Fees. If at any time or times hereafter Bank employs
          ---------------
counsel to advise or provide other representation with respect to this
Agreement, any Loan Document, or any other agreement, document or instrument
heretofore, now or hereafter executed by Borrower and delivered to Bank with
respect to the Obligations, or to commence, defend or intervene, file a
petition, complaint, answer, motion or other pleadings or to take any other
action in or with respect to any suit or proceeding relating to this
Agreement, any Loan Document, or any other agreement, instrument or document
heretofore, now or hereafter executed by Borrower and delivered to Bank with
respect to the Obligations, or to represent Bank in any litigation with
respect to the affairs of Borrower, or to enforce any rights of Bank or
obligations of Borrower or any other Person which may be obligated to Bank
by virtue of this Agreement, any Loan Document, or any other agreement,
document or instrument heretofore, now or hereafter delivered to Bank by or
for the benefit of Borrower with respect to the Obligations, or to collect
from Borrower any amounts owing hereunder, then in any such event, all of
the reasonable attorneys' fees incurred by Bank arising from such services
and any expenses, costs and charges relating thereto shall constitute
additional obligations of Borrower payable on demand and, until so paid,
shall be added to and become part of the Obligations.

     9.10 Exclusiveness. This Agreement and the other Loan Documents are
          -------------
made for the sole protection of the Borrower Parties, Bank, and Bank's
successors and assigns, and no other Person shall have any right of action
hereunder.

     9.11 Waiver and Release by Borrower. To the extent not prohibited by
          ------------------------------
applicable Law, unless and only to the extent as may be expressly provided
for herein or in any other Loan Document to the contrary, Borrower (A)
waives protest of all commercial paper at any time held by Bank on which
Borrower is any way liable; (B) waives notice of acceleration and of
intention to accelerate; (C) waives notice and opportunity to be heard,
after acceleration, before exercise by Bank of the remedies of self-help,
set-off, or of other summary procedures permitted by any applicable Laws or
by any agreement with Borrower, and except where required hereby or by any
applicable Laws which requirement cannot be waived, notice of any other
action taken by Bank; and (D) releases Bank and its officers, attorneys,
agents and employees from all claims for loss or damage caused by any act or
omission on the part of any of them except willful misconduct.

     9.12 Limitation on Waiver of Notice, Etc. Notwithstanding any provision
          ------------------------------------
of this Agreement to the contrary, to the extent that any applicable Law
expressly limits any waiver of any right contained herein or in any other
Loan Document (including any waiver of any notice or other demand), such
waiver shall be ineffective to such extent.

                                     34

<PAGE>
<PAGE>

     9.13 Additional Costs. In the event that any applicable Law now or
          ----------------
hereafter in effect and whether or not presently applicable to Bank, or any
interpretation or administration thereof by any Governmental Authority
charged with the interpretation or administration thereof, or compliance by
Bank with any guideline, request or directive of any such Governmental
Authority (whether or not having the force of law), shall (i) affect the
basis of taxation of payments to Bank of any amounts payable by Borrower
under this Agreement (other than taxes imposed on the overall net income of
Bank by the Jurisdiction in which Bank has its principal office), or (ii)
impose, modify or deem applicable any reserve, special deposit or similar
requirement against assets of, deposits with or for the account of, or
credit extended by Bank, or (iii) impose any other condition with respect to
this Agreement, the Note or the Loan, or (iv) affect the amount of capital
required or expected to be maintained by Bank, and the result of any of the
foregoing is to increase the cost to Bank of making, funding or maintaining
the Loan or to reduce the amount of any amount receivable by Bank thereon,
then Borrower shall pay to Bank from time to time, upon request by Bank,
additional amounts sufficient to compensate Bank for such increased cost or
reduced amount receivable to the extent Bank is not compensated therefor in
the computation of the interest rate applicable to the Loan. A statement as
to the amount of such increased cost or reduced amount receivable, prepared
in good faith and in reasonable detail by Bank and submitted by Bank to
Borrower, shall be conclusive and binding for all purposes absent manifest
error in computation.

     9.14 Illegality and Impossibility. In the event that any applicable Law
          ----------------------------
now or hereafter in effect and whether or not presently applicable to Bank,
or any interpretation or administration thereof by any Governmental
Authority charged with the interpretation or administration thereof, or
compliance by Bank with any guideline, request or directive of such
Governmental Authority (whether or not having the force of law), including
without limitation exchange controls, shall make it unlawful or impossible
for Bank to maintain the Loan under this Agreement, Borrower shall upon
receipt of notice thereof from Bank repay in full the then outstanding
principal amount of the Loan, together with all accrued interest thereon to
the date of payment and all amounts owing to Bank, (a) on the last day of
the then current interest period applicable to the Loan if Bank may lawfully
continue to maintain the Loan to such day, or (b) immediately if Bank may
not continue to maintain the Loan to such day.

     9.15 Participation. Notwithstanding any other provision of this
          -------------
Agreement, Borrower understands and agrees that Bank may enter into
participation or other agreements with Participants whereby Bank will
allocate certain percentages of its commitment to them and/or assign all or
a portion of its rights and obligations under this Agreement. Borrower
acknowledges and agrees that, for the convenience of all parties, this
Agreement is being entered into with Bank only and that its obligations
under this Agreement are undertaken for the benefit of, and as an inducement
to each such Participant as well as Bank, and Borrower hereby agrees that,
at Bank's election and if consistent with the terms of any such
participation or other agreement, upon notice from Bank to Borrower, each
such Participant shall have the same rights and/or obligations as if it were
an original party to this Agreement, subject only to any contrary provision
in such participation or other agreement, and Borrower hereby grants to each
such Participant, the right to set off deposit accounts maintained by
Borrower with such Participant. Borrower authorizes Bank to disclose
financial and other information regarding Borrower to Participants and
potential Participants. Notwithstanding the preceding, Bank agrees (i) not
to enter into any participation or other agreements with Participants unless
Bank gives at least thirty (30) days prior written notice to Borrower of the
same, and

                                     35

<PAGE>
<PAGE>

Borrower reserves the right, by written notice to Bank within such 30-day
period, to disapprove any such participation if such participation is with
any financial institution then extending credit to Borrower, and (ii) unless
Borrower agrees to the contrary, Borrower will only be required to continue
to deal with Bank and not any Participant.

     9.16 Binding Effect, Assignment. This Agreement shall inure to the
          --------------------------
benefit of, and shall be binding upon, the respective successors and
permitted assigns of the parties hereto. Borrower has no right to assign any
of its rights or obligations hereunder without the prior written consent of
Bank.

     9.17 Entire Agreement, Amendments. This Agreement, including the
          ----------------------------
Exhibits hereto, all of which are hereby incorporated herein by reference,
and the documents executed and delivered pursuant hereto, constitute the
entire agreement between the parties, and may be amended only by a writing
signed on behalf of each party.

     9.18 Severability. If any provision of this Agreement, the Note, or any
          ------------
of the other Loan Documents shall be held invalid under any applicable Laws,
such invalidity shall not affect any other provision of this Agreement or
such other instrument or agreement that can be given effect without the
invalid provision, and, to this end, the provisions hereof are severable.

     9.19 Headings. The section and paragraph headings hereof are inserted
          --------
for convenience of reference only, and shall not alter, define, or be used
in construing the text of such sections and paragraphs.

     9.20 Counterparts. This Agreement may be executed in any number of
          ------------
counterparts, each of which shall be deemed to be an original, but all of
which together shall constitute but one and the same instrument.

     9.21 Seal. This Agreement is intended to take effect as an instrument
          ----
under seal.

                                 ARTICLE X.

10.  SUBMISSION TO JURISDICTION, GOVERNING LAW AND NOTICES

     10.1 Notices. Any notices or consents required or permitted by this
          -------
Agreement shall be in writing and shall be deemed delivered if delivered in
person or if sent by certified mail, postage prepaid, return receipt
requested, or telegraph, or facsimile, as follows, unless such address is
changed by written notice hereunder:

          (A)  If to Borrower:
               --------------

               EDJ Leasing Co., L.P.
               201 Progress Parkway
               St. Louis, Missouri 63043-3042
               Attention: Mr. Ken Schutte
               Facsimile #(314) 515-4969

                                     36

<PAGE>
<PAGE>

               with a copy to:
               --------------

               M. Spencer Garland, Esq.
               Greensfelder, Hemker & Gale, P.C.
               2000 Equitable Building, 10 South Broadway
               St. Louis, Missouri 63102
               Facsimile #(314) 421-0831

          (B)  If to Guarantor:
               ---------------

               The Jones Financial Companies, L.L.L.P.
               201 Progress Parkway
               St. Louis, Missouri 63043-3042
               Attention: Mr. Ken Schutte
               Facsimile #(314) 515-4969

               with a copy to:
               --------------

               M. Spencer Garland, Esq.
               Greensfelder, Hemker & Gale, P.C.
               2000 Equitable Building, 10 South Broadway
               St. Louis, Missouri 63102
               Facsimile #(314) 421-0831

          (C)  If to Bank:
               ----------

               SouthTrust Bank
               230 Fourth Avenue North
               Nashville, Tennessee 37219
               Attention: Regional Corporate Banking Department
               Facsimile #(615) 880-4004

               with a copy to:
               --------------

               Ray D. Gibbons, Esq.
               Gordon, Silberman, Wiggins & Childs, P.C.
               1400 South Trust Tower
               Birmingham, Alabama 35203
               Facsimile #(205) 254-1500

     10.2 Governing Law. This Agreement is entered into and performable in
          -------------
Jefferson County, Alabama, and the substantive Laws, without giving effect
to principles of conflict of laws, of the United States and the State of
Alabama shall govern the construction of this Agreement and the documents
executed and delivered pursuant hereto, and the rights and remedies of the
parties hereto and thereto, except to the extent that the location of any
Collateral in a state or Jurisdiction other than Alabama requires that the
perfection of Bank's Lien hereunder, and the enforcement of certain of

                                     37

<PAGE>
<PAGE>

Bank's remedies with respect to the Collateral, be governed by the Laws of
such other state or Jurisdiction.

     10.3 SUBMISSION TO JURISDICTION; WAIVER OF JURY TRIAL, ETC.
          -----------------------------------------------------

          (A)  TO THE FULLEST EXTENT ALLOWED BY APPLICABLE LAW, BORROWER
HEREBY IRREVOCABLY AND UNCONDITIONALLY:

               (1)  SUBMITS FOR ITSELF AND ITS PROPERTY IN ANY LEGAL ACTION
          OR PROCEEDING RELATING TO THIS AGREEMENT, OR FOR RECOGNITION AND
          ENFORCEMENT OF ANY JUDGMENT IN RESPECT THEREOF, TO THE
          NON-EXCLUSIVE GENERAL JURISDICTION OF THE COURTS OF THE STATE OF
          ALABAMA, THE COURTS OF THE UNITED STATES OF AMERICA FOR THE
          NORTHERN DISTRICT OF ALABAMA, AND APPELLATE COURTS FROM ANY
          THEREOF;

               (2)  CONSENTS THAT ANY SUCH ACTION OR PROCEEDING MAY BE
          BROUGHT IN SUCH COURTS, AND WAIVES ANY OBJECTION THAT IT MAY NOW
          OR HEREAFTER HAVE TO THE VENUE OF ANY SUCH ACTION OR PROCEEDING IN
          ANY SUCH COURT OR THAT SUCH ACTION OR PROCEEDING WAS BROUGHT IN AN
          INCONVENIENT COURT AND AGREES NOT TO PLEAD OR CLAIM THE SAME;

               (3)  AGREES THAT SERVICE OF PROCESS IN ANY SUCH ACTION OR
          PROCEEDING MAY BE EFFECTED BY MAILING A COPY THEREOF BY REGISTERED
          OR CERTIFIED MAIL (OR ANY SUBSTANTIALLY SIMILAR FORM OF MAIL),
          POSTAGE PREPAID, TO BORROWER AT ITS ADDRESS SET FORTH IN THIS
          AGREEMENT OR AT SUCH OTHER ADDRESS OF WHICH BANK SHALL HAVE BEEN
          NOTIFIED PURSUANT THERETO; AND

               (4)  AGREES THAT NOTHING HEREIN SHALL AFFECT THE RIGHT TO
          EFFECT SERVICE OF PROCESS IN ANY OTHER MANNER PERMITTED BY LAW OR
          SHALL LIMIT THE RIGHT TO SUE IN ANY OTHER JURISDICTION.

          (B)  TO THE FULLEST EXTENT ALLOWED BY APPLICABLE LAW, BORROWER AND
BANK HEREBY:

               (1)  IRREVOCABLY AND UNCONDITIONALLY WAIVES THE RIGHT TO A
          TRIAL BY JURY IN ANY ACTION OR PROCEEDING OR COUNTERCLAIM OF ANY
          TYPE AS TO ANY MATTER ARISING DIRECTLY OR INDIRECTLY OUT OF OR
          WITH RESPECT TO THIS AGREEMENT, THE NOTE, ANY OF THE OTHER LOAN
          DOCUMENTS OR ANY OTHER DOCUMENT EXECUTED IN CONNECTION HEREWITH OR
          THEREWITH; AND

               (2)  AGREES THAT ANY OF THEM MAY FILE A COPY OF THIS AGREEMENT
          WITH ANY COURT AS WRITTEN EVIDENCE OF THE KNOWING,

                                     38

<PAGE>
<PAGE>

          VOLUNTARY AND BARGAINED FOR AGREEMENT BETWEEN THE PARTIES
          IRREVOCABLY TO WAIVE TRIAL BY JURY, AND THAT ANY DISPUTE OR
          CONTROVERSY OF ANY KIND WHATSOEVER BETWEEN THEM SHALL INSTEAD BE
          TRIED IN A COURT OF COMPETENT JURISDICTION BY A JUDGE SITTING
          WITHOUT A JURY.

           [THE REMAINDER OF THIS PAGE INTENTIONALLY LEFT BLANK]

                                     39

<PAGE>
<PAGE>

     IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
executed by their respective duly authorized representatives as of the day
and year first above written.

                                  BORROWER:

                                  EDJ LEASING CO., L.P.,
                                  a Missouri limited partnership

                                  By:  LHC, INC., a Missouri corporation,
                                       its General Partner

                                        By: /s/ Steven Novik
                                           ---------------------------------
                                        Its: Treasurer
                                            --------------------------------

                                   BANK:

                                   SOUTHTRUST BANK

                                   By: /s/ Marcy A. Harris
                                      --------------------------------------
                                   Its: Vice President
                                       -------------------------------------

STATE OF Missouri   )
        -----------
COUNTY OF St. Louis )
         ----------

     I, the undersigned, a Notary Public in and for said County in said
State, hereby certify that Steven Novik, whose name as Treasurer of LHC,
                           ------------                ---------
Inc., a Missouri corporation, in its capacity as General Partner of EDJ
Leasing Co., L.P., a Missouri limited partnership, is signed to the
foregoing instrument, and who is known to me, acknowledged before me on this
day that, being informed of the contents of said instrument, he/she, as such
officer and with full authority, executed the same voluntarily for and as
the act of said corporation, in its capacity as general partner as
aforesaid.

     Given under my hand and official seal, this the 27th day of August,
                                                     ----
2001.

                                        /s/ Valerie E. Evans (SEAL)
                                       ----------------------
                         Notary Public
                         My Commission Expires: March 3, 2004
                                               --------------------

                           -----------------------------------
                                     VALERIE E. EVANS
                                Notary Public - Notary Seal
                                   STATE OF MISSOURI
                                   ST. LOUIS COUNTY
                            MY COMMISSION EXP. MAR. 3, 2004
                           -----------------------------------

                                     40

<PAGE>
<PAGE>

STATE OF TENNESSEE
        ----------- )
COUNTY OF DAVIDSON  )
         ----------

     I, the undersigned, a Notary Public in and for said County in said
State, hereby certify that Marcy Harris, whose name as Vice President of
                           ------------                --------------
SouthTrust Bank, an Alabama banking corporation, is signed to the foregoing
instrument, and who is known to me, acknowledged before me that, being
informed of the contents of such instrument, he/she, as such officer and
with full authority, executed the same voluntarily for and as the act of
said banking corporation.

     Given under my hand and official seal, this the 29th day of August, 2001.
                                                     ----

                                   /s/ Phyllis Michael  (SEAL)
                                  ----------------------
                                  Notary Public
                                  My Commission Expires: 5/29/05
                                                        -------------------

                                     41

<PAGE>
<PAGE>

                                SCHEDULE 6.4

              LIST OF NAMES USED BY BORROWER IN LAST SIX YEARS

EDJ Leasing Co., L.P.

                                     42

<PAGE>
<PAGE>

                                SCHEDULE 7.6

         BORROWER'S PRINCIPAL PLACE OF BUSINESS/LOCATION OF RECORDS

EDJ Leasing Co., L.P.
201 Progress Parkway
St. Louis, Missouri 63043

                                     43

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