Document:

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                                                                   Exhibit 10.19
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                              ARAGON PLACE BUILDING

                              STANDARD OFFICE LEASE

                                       FOR

                               CENTENE CORPORATION

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                              ARAGON PLACE BUILDING
                              STANDARD OFFICE LEASE

                                TABLE OF CONTENTS
                                -----------------

<TABLE>
<CAPTION>

ARTICLE                                INDEX                            PAGE
-------                                -----                            ----
<S>                     <C>                                            <C>
Article 1                Parties and Reference Data                       1
Article 2                Demising Clause                                  1
Article 3                Term and Possession                              2
Article 4                Rent and Other Charges                           2
Article 5                Security Deposit                                 3
Article 6                Services By Landlord                             3
Article 7                Repair and Maintenance                           4
Article 8                Tenant Improvements                              4
Article 9                Surrender Upon Termination                       4
Article 10               Tenant's Default                                 4
Article 11               Right of Entry                                   5
Article 12               Fire and Other Casualty                          5
Article 13               Insurance and Waiver of Recovery                 5
Article 14               Condemnation                                     5
Article 15               Assignment and Subletting                        6
Article 16               Liability                                        6
Article 17               Restrictions on Use                              6
Article 18               Substitute Premises                              6
Article 19               General Provisions                               7
Exhibit A                Floor Plan
Exhibit B                Tenant Finish Floor Plan
Exhibit C                Work to be Performed on the Premises
Exhibit D                Certificate of Occupancy
Exhibit E                Lien Waivers

</TABLE>

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                              ARAGON PLACE BUILDING
                              STANDARD OFFICE LEASE

                                    ARTICLE 1
                           PARTIES AND REFERENCE DATA
                           --------------------------

        As used in this Lease, the following terms shall have the following
meanings:

     1.1       Landlord:  Clayton Investors Associates LLC, a Delaware limited
liability company, having as its address for notice purposes 50 South Bemiston
Avenue, Suite 100, Clayton, Missouri 63105, Attn: J. John Reis.

     1.2       Tenant:  Centene Corporation, a Wisconsin corporation, having as
its address for notice purposes 7711 Carondelet Avenue, Suite 600, Clayton, MO
63105, Attn.: Ms. Kathy Tordik.

     1.3       Date of this Lease:              February 22, 1999

     1.4       Date of Final Space Plan:        February 11, 1999
               Landlord's Plan Submittal Date:  February 17, 1999
               Tenant's Plan Approval Date:     February 21, 1999

     1.5       Lease Commencement Date:         April 1, 1999
               Rent Commencement Date:          April 1, 1999
               Lease Expiration Date:           March 31,2004

     1.6       Term: Five (5) years

     1.7       Building:  The office building in the City of Clayton, County of
St. Louis, known and numbered as the Aragon Place Building, 7711 Carondelet
Avenue, Clayton, Missouri 63105, including all facilities and improvements
thereon.

     1.8       Premises:  The Premises shall be located on floors 5, 6 & 8, and
shall be known as Suites 508, 600 and 800, and effective November 1, 1999, Suite
808; located in the Building as depicted in Exhibits A and B of this Lease and
as improved in accordance with the provisions of Exhibit C of this Lease.
Simultaneous with the commencement of this Lease is the termination of the Lease
between Clayton Investors Associates, LLC and Centene Corporation for Suites 508
& 600 dated December 2, 1996 and the Lease for Suite 406 dated March 30, 1998.

     1.9       Permitted Use:  The Premises shall be used and occupied by Tenant
for general office use and for no other purpose whatsoever; provided, however,
that Tenant shall not use or occupy the Premises for any unlawful business use
or purpose.

     1.10      Annual Base Rent and Monthly Base Rent Installment:

                    From 04/01/1999 -- 03/31/2000; Annually $388,668.00;
                      Monthly $32,389.00.

                    From 04/01/2000 -- 02/28/2002; Annually $450,684.00;
                      Monthly $37,557.00.

                    From 03/01/2002 -- 03/31/2004; Annually $499,164.00;
                      Monthly $41,597.00.

     1.11      Public Liability Insurance Required: $1,000,000.00.

     1.12      Security Deposit: N/A

     1.13      Expense Stop Amount:  The Expense Stop Amount for Suites 508 and
600 shall be based upon Expenses, as defined in Section 4.2 of the Lease, of the
Building for the 1996 (01/01/96 -- 12/31/96) calendar year. The Expense Stop
Amount for Suites 800 and 808 shall be based upon the Expenses, as defined in
Section 4.2 of the Lease, of the Building for the 1998 (01/01/98 -- 12/31/98)
calendar year.

     1.14      Brokers: Insignia/ESG, Inc.
                        Party responsible for payment: Landlord.

     1.15      Addendum: N/A

     1.16      Exhibits: The following Exhibits attached to this Lease are
incorporated herein by this reference:

               Exhibit A.  Floor Plan
               Exhibit B.  Tenant Finish Floor Plan
               Exhibit C.  Work to be Performed on the Premises
               Exhibit D.  Certificate of Occupancy
               Exhibit E.  Lien Waivers

                                    ARTICLE 2
                                 DEMISING CLAUSE
                                 ---------------

     Landlord, for and in consideration of the rents, covenants and agreements
hereinafter mentioned and hereby agreed to be paid, kept and performed by
Tenant, does hereby lease to Tenant, and Tenant does hereby lease from Landlord,
the Premises on the terms and conditions contained herein.

                                        1

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                                    ARTICLE 3
                               TERM AND POSSESSION
                               -------------------

     3.1       Term.  The Term shall commence on the Lease Commencement Date and
shall continue for the Term, unless earlier terminated as provided for herein.

     3.2       Possession.  If the Premises are not available or ready for
occupancy on the Lease Commencement Date, and such unavailability or unreadiness
is not occasioned or caused by Tenant (such as Tenant's failure to promptly
approve plans, make material or color selections, make improvements to the
Premises which are to be made by Tenant or make other decisions which are
necessary to prepare the Premises for occupancy), then the Lease Commencement
Date shall be the first day after the Premises is available and ready for
occupancy, and the Lease Expiration Date shall be adjusted accordingly. Subject
to the availability of the Premises and with the prior approval of Landlord,
Tenant shall have the right prior to the Lease Commencement Date to enter upon
the Premises at reasonable times for the purpose of preparing the Premises for
its intended use. The Premises shall be deemed ready for occupancy if only
insubstantial details of construction, decoration or mechanical adjustments
remain to be done. The determination of Landlord's tenant finish representative
for the Building shall be final as to whether the Premises are ready for
occupancy. Tenant's taking possession of any portion of the Premises shall be
conclusive evidence that such portion of the Premises was in good order and
satisfactory condition when Tenant took possession, except as to damage caused
by Tenant or Tenant's agents. On the date on which Tenant takes possession of
the Premises, the parties shall execute a Certificate of Occupancy in the form
attached hereto as Exhibit D confirming the Lease and Rent Commencement Dates
and setting forth any incomplete items (if any), but failure to execute such
document shall not in any manner affect the obligations of the parties
hereunder. Tenant acknowledges that neither Landlord nor any agent of Landlord
has made any representation or warranty with respect to the Premises or the
Building, or with respect to the suitability of either for the conduct of
Tenant's business. If by mutual consent of Landlord and Tenant, Tenant takes
possession of the Premises prior to the Lease Commencement Date, then during
such pre-term period, Tenant shall pay rent as herein established on a prorata
basis and such occupancy shall be under all of the terms and conditions of this
Lease, but such pre-term occupancy shall not affect this Lease as herein
otherwise established

     3.3       Common Areas.  Tenant shall have the nonexclusive right to use,
in common with other tenants in the Building and subject to the building rules,
the common areas in the Building.

                                    ARTICLE 4
                             RENT AND OTHER CHARGES
                             ----------------------

     4.1       Rent.  Commencing on the Rent Commencement Date, Tenant shall pay
to Landlord the Annual Base Rent, payable in the Monthly Base Rent Installment
specified in Article a 1.10 to Landlord at the location designated in Article
1.1 or at the place designated from time to time by Landlord in advance and
without demand on the first day of each and every month throughout the Term of
this Lease. The Rent for any partial month shall be prorated on the basis of
thirty (30) days to the month and shall be paid on the first day of such partial
period. In addition, Tenant shall pay to Landlord all charges for any services,
goods, or materials furnished by Landlord at Tenant's request, which are not
required to be furnished by Landlord under this Lease, within thirty (30) days
after Landlord renders a statement therefore to Tenant. All sums hereunder are
payable without deduction, abatement or setoff of any nature whatsoever. All
past due obligations of Tenant shall bear interest at the rate of 1.833% per
month or, if such rate be unlawful, at the highest lawful rate.

     4.2       Operating Cost Reimbursement.  The Annual Base Rent shall be
adjusted from time to time in accordance with this section to reflect increases
in the expense of operating the Building ("Operating Costs"). The Annual Base
Rent, including the adjustments made pursuant to this section, is referred to in
this Lease as the "Rent". Landlord, during the last month of the Building's
fiscal year or as soon thereafter as practical, shall give Tenant written notice
of Landlord's estimate of increases in Operating Costs for the ensuing fiscal
year as compared to the Expense Stop Amount. As used herein ("Tenant's Prorata
Share") shall be the ratio of the Premises to the total leasable area of the
Building. On or before the first day of each and every month during the ensuing
fiscal year, Tenant shall pay to Landlord 1/12th of Tenant's Prorata Share of
each estimated amount. If at any time(s) it appears to Landlord that the actual
costs for the current fiscal year will vary from Landlord's estimate by more
than ten percent (10%), Landlord may, by written notice to Tenant, revise
Landlord's estimate for such year and revise the 1/12th billing accordingly.

     As soon as practical after the end of each fiscal year where estimated
increases in Operating Costs are required by this Lease to be paid, Landlord
shall send to Tenant a statement of the actual amount of the preceding fiscal
year's increase (if any) over the Expense Stop Amount. If the estimated amount
exceeded the actual amount paid by Tenant, such excess amount shall be credited
to Tenant within thirty (30) days from the date of the statement. If the
estimated amount was less than the actual amount owed to Landlord, then Tenant
shall pay to Landlord such difference within thirty (30) days from the date of
the statement. If at the end of the Building's fiscal year less than twelve (12)
months remain on this Lease, the final estimated increase being paid by Tenant
in the final lease year shall prevail to the end of this Lease.

                                       2

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Operating Costs shall include all costs of administration, operation, repairs,
maintenance, utilities, insurance and taxes, but shall not include federal or
state income taxes, tenant alterations, leasing commissions, interest expense,
debt service, capital items, or depreciation. If the Building is not fully
leased or if Landlord is not providing standard building services to all tenants
during any calendar year, actual Expenses shall be adjusted to reflect a fully
serviced and leased Building for the purpose of making the adjustment to Annual
Base Rent. In order to avoid distortion and inequity, the following items shall
be considered operating expenses and amortized over the life of the items: (i)
capital items made after the commencement of this Lease that produce a reduction
in energy consumption or Operating Costs; (ii) capital items caused by
governmental requirements imposed after the commencement of this Lease.

     4.3       Inspection.  Tenant may inspect the books of the Building with
respect only to the Operating Costs of the Building at the office of the
property manager for the Building during normal business hours, provided such
inspection is requested within thirty (30) days from the statement date. Such
inspection, however, shall not extend the due date for payment. Unless Tenant
asserts specific error(s) within forty-five (45) days of statement date, the
statement shall be deemed to be correct. In the event of any dispute under this
paragraph, the determination of the independent certified public accountant then
servicing Landlord's books relating to the Building shall be binding on all
parties.

                                    ARTICLE 5
                                SECURITY DEPOSIT
                                ----------------

     Simultaneous, with the execution of this Lease, Tenant shall deposit with
Landlord the Security Deposit as specified in Article 1.12 to be held to
guarantee the faithful performance by Tenant of all of Tenant's obligations
under this Lease. Any interest earned thereon shall be the property of Landlord.
Upon the occurrence of any event of default by Tenant, Landlord may, from time
to time, without prejudice to any other remedy, use the Security Deposit to the
extent necessary to cure such default, the remaining balance to be returned by
Landlord to Tenant after termination of this Lease. Such Security Deposit shall
not be considered an advance payment of Rent or a measure of Landlord's damage
in case of default.

                                    ARTICLE 6
                              SERVICES BY LANDLORD
                              --------------------

     Landlord covenants and agrees:

     a.  to furnish heat and air conditioning to provide a seasonable
temperature (subject to governmental regulations) for normal occupancy and use
of the Premises (defined as a density not to exceed one (1) person per 175
usable square feet in the Premises) under normal business operations daily from
8:00 A.M. to 6:00 P.M., Saturdays from 8:00 A.M. to 1:00 P.M., Sundays and legal
holidays excepted ("Normal Business Hours");

     b.  to provide elevator service during normal business hours and to have at
least one (1) elevator subject to call at all other times;

     c.  to provide water for lavatory and drinking purposes in places
designated by Landlord;

     d.  To provide maintenance services to keep the public areas of the
Building in good order and to cause the Premises to be cleaned by sweeping
floors, dusting the surfaces of normal office furniture, and emptying
wastebaskets on each business day, and to cause the floors of the public areas
and the Premises to be waxed or vacuumed and the windows to be cleaned at
reasonable intervals;

     e.  To furnish the labor necessary to relamp all fluorescent light fixtures
installed by Landlord in the Premises;

     f.  To provide electrical service at those points of connection provided
and installed by Landlord and in the manner and to the extent deemed by Landlord
to be standard. Tenant shall report to Landlord any material deficiency in the
services provided by Landlord or Landlord's Agents. Normal electrical
consumption on the Premises is as follows: electricity consumed by Tenant for
normal use of fluorescent lighting and small office machines aggregating not
more than four (4) watts per square foot per hour for normal business hours.
Tenant will not be allowed to exceed any of the amounts of electricity in the
Premises as herein referenced without Landlord's prior written approval. If
Tenant receives Landlord's written approval, Tenant is responsible for all
expenses associated with such excess electrical consumption. Landlord reserves
the right to install submeters or to conduct an electric consumption audit to
determine electrical consumption on the Premises at the expense of Landlord. If
desired by Tenant, a master meter may be installed at Tenant's expense. Landlord
shall have access to such metering devices at all reasonable times and shall
prepare a separate monthly statement of the excess utilities used by such
equipment based on the utility rates established from time to time by the public
utility furnishing such service. Tenant shall pay the amounts shown on such
statements to Landlord within thirty (30) days of receipt;

Tenant acknowledges that any one or more such services may be suspended by
reason of accident, repair, alterations or improvements necessary to be made,
strikes, lockouts, governmental restrictions, regulations or controls or causes
beyond the reasonable control of Landlord. No interruption, change or
malfunction of any of the services to be furnished by Landlord hereunder shall
constitute an eviction or disturbance of Tenant's use and possession of the
Premises or the Building or a breach by Landlord of any of Landlord's
obligations hereunder or render Landlord liable for damages or entitle Tenant to
be relieved from any of Tenant's obligations hereunder or grant Tenant any right
of setoff or recoupment. Landlord will, however, use reasonable diligence to
restore any such interrupted service except where such event is required or
recommended by governmental authority.

                                       3

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                                    ARTICLE 7
                             REPAIR AND MAINTENANCE
                             ----------------------

     Landlord will, at Landlord's own cost and expense, except as may be
provided elsewhere herein, make the necessary repairs of damage to the
Building's corridors, lobby, structural members and equipment used to provide
services furnished by Landlord hereunder, unless any such damage is caused by
acts or omissions of Tenant, Tenant's agents, or employees, in which event
Tenant will bear the cost of such repairs. Tenant will not injure the Premises
or the Building, but will maintain the Premises in a clean, attractive condition
and in good repair, except as to damage to be repaired by Landlord as provided
above and except for the cleaning services to be rendered by Landlord as
provided in Article 6.

                                    ARTICLE 8
                               TENANT IMPROVEMENTS
                               -------------------

     Tenant shall not, without the prior written consent of Landlord, make any
alterations, improvements or additions to the Premises (hereinafter referred to
as a "Change"). If Landlord consents to a Change it may impose such conditions
with respect thereto as Landlord deems appropriate, including without
limitation, requiring Tenant to furnish Landlord security for the payment of all
costs to be incurred in connection with the Change, insurance against
liabilities which may arise out of such work and the plans and specifications
together with all necessary permits for such Change. The work necessary to make
the Change shall be done at Tenant's expense by employees or contractors hired
by Landlord except to the extent that Landlord may agree otherwise, and shall be
performed in such manner and at such times as Landlord shall direct to minimize
disturbance to other tenants. Tenant shall promptly pay, when due, the cost of
all such work and of all decorating required by reason thereof. Tenant shall
also pay to Landlord a percentage of the cost of such Work (such percentage to
be established on a uniform basis for the Building) sufficient to reimburse
Landlord for all expenses arising from Landlord's involvement with such work.
Upon completion of such work, Tenant shall deliver to Landlord, if payment is
made directly to contractors, evidence of payment, contractors affidavits and
full and final waivers of all liens for labor, services or materials (in the
form attached hereto as Exhibit E). Tenant shall indemnify, defend and hold
harmless Landlord and the Building from all costs, damages and liens and
expenses related to such work. In connection with such work Tenant shall never
be deemed an agent of Landlord. All work done by Tenant or Tenant's contractors
shall be done in a first class workmanlike manner using only good grades of
materials and shall comply with all union and insurance requirements and all
Conditions. Any Change shall (without compensation to Tenant) become Landlord's
property at the termination of the Term, and shall, unless Landlord requests
otherwise, be relinquished to Landlord in good condition, ordinary wear
excepted.

                                    ARTICLE 9
                           SURRENDER UPON TERMINATION
                           --------------------------

     9.1       Surrender.  At the expiration of this Lease, Tenant shall
surrender the Premises broom cleaned and in as good condition as it was at the
beginning of the Term, reasonable use and wear and tear excepted. Tenant shall
also surrender to Landlord all keys to the Premises and the Building. Prior to
the expiration of this Lease, Tenant shall remove all personal property. If
Tenant fails to remove personal property or fails to leave the Premises in the
condition described above, Landlord may remove such personal property and
restore the Premises and charge Tenant for such removal and restoration.

     9.2       Holding Over.  If Tenant without the consent of Landlord retains
possession of the Premises or any part thereof after termination of the Term,
Tenant shall pay to Landlord Rent at a rate equal to two hundred percent (200%)
of the Rent payable for the month immediately preceding the commencement of said
holding over computed on a per month basis for each month or part thereof
(without reduction for any partial month) that Tenant remains in possession, and
in addition thereto, Tenant shall pay Landlord all direct and consequential
damages sustained by reason of Tenant's retention of possession. Such retention
of possession shall constitute a month to month lease terminable in accordance
with law.

                                   ARTICLE 10
                                TENANT'S DEFAULT
                                ----------------

     If Tenant defaults in the payment of Rent, or any other monetary obligation
hereunder, for more than five (5) business days after written notice of such
default by Landlord, or if Tenant defaults in the performance of any other
covenant, agreement, condition, rule or regulation herein contained or provided
for, or hereafter established for more than twenty (20) days after written
notice of such default by Landlord, then (in addition to and as an alternative
to all other legal remedies) Landlord shall have the right either to (i)
terminate this Lease and Tenant's right to possession of the Premises, or to
(ii) terminate only Tenant's right to possession of the Premises; and in either
such event, Landlord shall have the right to re-enter and/or repossess the
Premises, and dispose and remove therefrom Tenant, or other occupants thereof,
and their effects, and alter the locks and other security devises at the
Premises, all without being liable for any prosecution or damages therefore. In
either event Landlord shall be entitled to recover from Tenant, in addition to
the Rent, all expenses incurred in connection with such default, including
repossession costs, legal expenses and attorney's fees (whether or not suit is
filed), and all expenses incurred in connection with efforts to relet the
Premises, including cleaning, altering, advertising and brokerage commissions;
and all such expenses shall be reimbursed by Tenant as additional Rent, whether
or not such default is subsequently cured. If Landlord elects to terminate only
Tenant's right to possession, then Landlord may, at Landlord's option,
accelerate the entire amount then remaining unpaid under this Lease and recover
same forthwith from Tenant, together with all other charges recoverable
hereunder, and thereafter Landlord shall pay over to Tenant the net proceeds of
any total or partial reletting. If Landlord terminates only Tenant's right to
possession, then Landlord may relet the Premises for the account of Tenant
(either in the name of the Landlord or Tenant). Except as otherwise provided
herein, Tenant waives demand for Rent, demand for possession, notice of
forfeiture, notice of termination, and any and all other demands or notices
required by law.

                                        4

<PAGE>

                                   ARTICLE 11
                                 RIGHT OF ENTRY
                                 --------------

     Landlord and Landlord's representatives may enter the Premises at any
reasonable time for the purpose of inspecting the Premises, performing
Landlord's obligations under this Lease, performing any work which Landlord
elects to undertake for the safety, preservation, benefit or welfare of the
Building or other tenants thereof, performing any work which Landlord elects to
undertake made necessary by reason of Tenant's default, or exhibiting the
Building or Premises for sale, lease or financing during the last year of the
Term of this lease.

                                   ARTICLE 12
                             FIRE AND OTHER CASUALTY
                             -----------------------

     If at any time during the Term of this Lease, the Premises or any portions
of the Building shall be damaged or destroyed by fire or other casualty so as to
render the Building unquestionably untenantable for 120 days or render the
Premises unquestionably untenantable for 120 days or twenty percent (20%) of
the unexpired term, whichever is less, then either party may elect, within
thirty (30) days from the date of casualty, to terminate this Lease on the tenth
(10th) day after such election. Any dispute hereunder shall be determined by an
independent architect selected by Landlord.

     In any of the aforesaid circumstances, Rent shall abate proportionately
during the period and to the extent that the Premises is unfit for use by Tenant
in the ordinary conduct of Tenant's business. If this Lease is not terminated by
reason of such casualty, then Landlord shall repair and restore the Building and
Premises at Landlord's expense, with all reasonable speed and promptness,
subject to delays arising from shortage of labor or material, acts of god, war
or other conditions beyond Landlord's reasonable control; provided, however,
that Landlord shall not be required to restore any alterations, additions or
improvements made by or for Tenant which would not belong to Landlord upon the
expiration of this Lease.

                                   ARTICLE 13
                        INSURANCE AND WAIVER OF RECOVERY
                        --------------------------------

     13.1      Insurance.  Tenant shall at all times during the Term maintain in
full force and effect with respect to the Premises public liability insurance
having the limits set forth in Article 1.11 hereof, all risk property insurance
upon all property owned or used by Tenant in the Premises in an amount not less
than ninety percent (90%) of the full replacement cost thereof, workers'
compensation and employer's liability insurance in form and amount required by
law, and such other coverage as may be reasonably required by Landlord or any
mortgagee of the Building, each in the standard form generally of use in the
State of Missouri in a company satisfactory to Landlord. The amount of such
insurance coverage shall be subject to increase upon the reasonable request of
Landlord. Such insurance shall be subject to modification or cancellation only
upon ten (10) days' notice to each certificate holder. Tenant, at or prior to
the Lease Commencement Date, and thereafter not less than thirty (30) days prior
to the expiration of any such policy, shall furnish Landlord with a certificate
of insurance in such coverage, such certificate to be in a form acceptable to
Landlord and any mortgagee of the Building and, at the request of Landlord, to
name Landlord and any such mortgagee as an additional insured as their interests
may appear (or in the case of a mortgagee, by means of a standard mortgagee
endorsement).

     13.2      Waiver of Recovery.  Notwithstanding anything herein to the
contrary, Landlord and Tenant and all parties claiming under them hereby
mutually release and discharge the other from all claims and liabilities arising
from or caused by any hazard covered by insurance on the Building or Premises,
or covered by insurance in connection with property on or activities conducted
at the Building or Premises, regardless of the cause of the damage or loss. This
release shall apply only to the extent that such loss or damage is covered by
insurance and only so long as the applicable insurance policies contain a clause
to the effect that this release shall not effect the right of the insured to
recover under such policies.

                                   ARTICLE 14
                                  CONDEMNATION
                                  ------------

     If all of the Premises is taken by condemnation, this Lease shall terminate
on the date when the Premises shall be so taken, and Rent shall be apportioned
as of that date. If part of the Building or Premises is taken by condemnation
and the Building or Premises is thereby rendered not reasonably suitable for the
continued conduct of Landlord's or Tenant's business, taking into consideration
the nature, size and scope of such business immediately prior to the taking,
then either party may elect by giving written notice to the other, to terminate
this Lease. In the event of such termination, all charges and Rent shall be
apportioned as of the date of taking. If the taking involves a part of the
Premises and if neither party elects to terminate this Lease, then with respect
to the part not taken the Rent shall be reduced by the value that the condemned
part bears to the total value of this Premises, in which event Landlord shall
restore the Premises to an architecturally complete unit. No part of any award
shall belong to Tenant, except for amounts awarded directly to Tenant by the
condemning authority.

                                        5

<PAGE>

                                   ARTICLE 15
                            ASSIGNMENT AND SUBLETTING
                            -------------------------

     Tenant shall not assign, mortgage or encumber this Lease. nor Sublet or
permit the Premises or any part thereof to be used by others, without the prior
written consent of Landlord in each instance, and any attempt to do any of the
foregoing without Landlord's consent shall be void. Landlord, however, shall not
unreasonably withhold the consent to an assignee or subtenant provided the
assignee's or subtenant's occupancy and use of the space, in the reasonable
judgment of Landlord, is similar to that of other tenants in the Building and is
not detrimental to the Building or any other tenants of the Building. In no
event shall this Lease be assigned or the Premises sublet for a rent less than
Landlord's schedule of rents for comparable space in the Building at the time.
Tenant's request for Landlord's consent to an assignee or subtenant shall be in
writing and accompanied by: (i) a true copy of the documents of assignment or
subletting, and (ii) information respecting the responsibility, reputation,
financial condition and business of the proposed assignee or subtenant. Such
request shall create in Landlord an option to terminate this Lease as to the
portion of the Premises covered by the request and reduce Tenant's rental in
proportion to the space to be deleted. Said termination option must be exercised
within fifteen (15) days after receipt of such request. Notwithstanding any
consent by Landlord to an assignment or subtenancy, Tenant shall remain jointly
and severally liable (along with each approved assignee or subtenant who shall
automatically become liable for obligations of Tenant hereunder), and Landlord
shall be permitted to enforce the provisions of this instrument directly
against the undersigned Tenant and/or assignee or subtenant without proceeding
in any way against any other person. In any case where Landlord consents to any
such assignment, sublease or other transaction, Landlord may require that
Tenant pay Landlord a reasonable sum for attorney's fees arising incident to
such transaction. In no event shall any assignee or subtenant have any right to
make alterations in the Premises without the prior written consent of Tenant and
Landlord. If Tenant is permitted to sublease or assign at a Base Rent in excess
of that provided for herein, such excess shall be paid by Tenant to Landlord as
received.

                                   ARTICLE 16
                                    LIABILITY
                                    ---------

     Notwithstanding any other provision hereof to the contrary, Landlord or
Landlord's agents shad not be liable for any damage to property entrusted to
employees or agents of Landlord, nor for loss of or damage to any property by
theft or otherwise, nor for any injury or damage to persons or property
resulting from fire, explosion, falling plaster, steam, gas, electricity, water
or rain which may leak from any part of the Building or from the pipes,
appliances or plumbing works therein or from the roof, street or sub-surface or
from any other place or resulting from dampness or any other cause whatsoever.
Landlord or Landlord's agents shall not be liable for interference with the
light or other incorporeal hereditaments, nor shall Landlord be liable for any
latent defect in the Premises or in the Building. Tenant shall give prompt
notice to Landlord in case of fire or accidents in the Premises or in the
Building or of defects therein or in the fixtures or building equipment.

                                   ARTICLE 17
                               RESTRICTIONS ON USE
                               -------------------

     Tenant shall not smoke nor allow, permit or suffer any noise or odor to
escape from the Premises in a manner which will disturb other occupants of the
Building, or occupy the Premises in such manner to disturb the peaceful and
quiet occupancy of the other tenants of the Building or constitute a public or
private nuisance, or keep open any exterior or corridor door thereto, or permit
any portion of the Premises visible from the exterior thereof to become
unsightly or in disrepair, or to bring into the Building any hazardous material,
or permit any unsafe or hazardous condition to exist in the Premises.

No sign, fixture, advertisement or notice shall be displayed, inscribed, painted
or affixed by Tenant on any part of the inside or outside of the Building
without the prior written consent of Landlord. Tenant shall not install any
draperies, shades or blinds visible from the exterior of the Building, unless
the color, materials, shape, style and size have the prior approval of Landlord.
Tenant shall not install or permit the installation of vending machines or other
special equipment in the Premises without prior written consent of Landlord.
Movement in and out of the Building of furniture or office equipment, or
dispatch or receipt by Tenant of any merchandise or materials, shall be done
only during the hours designated by Landlord and by means of elevator and exit
designated by Landlord. Tenant shall cooperate with Landlord in securing the
Building during non-normal business hours.

                                   ARTICLE 18
                               SUBSTITUTE PREMISES
                               -------------------

     If, during the Term, Landlord requires the Premises for use in conjunction
with another suite or for other reasons connected with the Building planning
program, upon notifying Tenant in writing, Landlord shall have the right to move
Tenant to a substitute premises in the Building, at Landlord's sole cost and
expense, and the terms and conditions of this Lease shall remain in full force
and effect, save and excepting that a revised Exhibit A and B shall become part
of this Lease and shall reflect the location of the new space and Article 1 of
this Lease shall be amended to include all correct data as to the new space.
Landlord shall give Tenant at least sixty (60) days notice of Landlord's
intention to relocate the Premises. Tenant shall have thirty (30) days from the
date of Landlord's notice to accept or reject the substitute premises. If Tenant
refuses to accept the substitute premises or fails to reply to Landlord's notice
within the time stated, this Lease shall terminate upon Tenant vacating the
Premises or upon three (3) months from the date of Landlord's notice to Tenant,
whichever occurs first.

                                        6

<PAGE>

                                   ARTICLE 19
                               GENERAL PROVISIONS
                               ------------------

     19.1.     Notices:  Any notice under this Lease shall be in writing and
shall be deemed to be duty given only when mailed by certified mail, addressed
to Landlord at the address at which it receives rent or addressed to Tenant at
the Premises.

     19.2.     Successors And Assigns:  The covenants, conditions and agreements
contained in this Lease shall run with the land and be binding upon and inure to
the benefit of the parties hereto and their respective heirs, executors,
administrators, successors and such assigns and subtenants as may be permitted
hereunder; provided however, that upon the transfer of Landlord's interest
hereunder the transferor shall have no liability for causes of action or
defaults accruing thereafter.

     19.3.     Whole Contract:  This Lease, together with all the Exhibits
referenced in Article 1 and Addendum, if any, constitutes the sole and entire
contract between the parties relative to the Premises, and shall be binding upon
the parties hereto and their respective heirs, personal representatives,
executors, successors and permitted assigns, as the case may be. No
representations as to the Premises have been made by Landlord to Tenant either
directly or indirectly prior to or at the execution of this Lease that are not
herein expressed.

     19.4.     Applicable Law and Partial Invalidity:  This Lease shall be
governed by and enforced in accordance with the laws of the State of Missouri.
The invalidity or unenforceability of any provision of this Lease shall not
affect or impair any other provision.

     19.5.     Amendment:  This Lease may not be altered, amended, modified, or
extended except by written instrument signed by Landlord and Tenant

     19.6      Waiver:  The waiver by Landlord of any breach of any term,
condition or covenant of this Lease shall not be deemed to be a waiver of any
subsequent breach of the same or any other term, condition or covenant of this
Lease. No failure by Landlord to take action against Tenant on account of any
failure by Tenant to perform any of Tenant's obligations under this Lease shall
be deemed to be a waiver by Landlord, except only where Landlord has provided to
Tenant a written waiver, signed by Landlord.

     19.7      Brokerage:  Each of the parties hereto warrants to the other
that, except as set forth in Article 1 hereof, such party has not obligated the
other party for any finders', brokers' or other agents' commission, fees or
other remuneration in connection with this Lease; and Tenant shall indemnify and
hold Landlord harmless from and against any and all claims for such fees alleged
to have been incurred by Tenant.

     19.8      Estoppel:  Within ten (10) days after request by Landlord or any
mortgagee of Landlord or any proposed purchaser of the Building, Tenant shall
deliver to Landlord or any proposed mortgagee or purchaser of the Building, a
Lease Estoppel Certificate in the Building standard form, certifying, if such be
the case, that this Lease is in full force and effect, and unmodified (or
stating any modifications), that Tenant is in possession of the Premises, that
Tenant has commenced the payment of Rent required under this Lease, that there
are no defenses or offsets to this Lease claimed by Tenant as of the date of
such Lease Estoppel certificate, that to the best of Tenant's knowledge,
Landlord is not in default hereunder, the dates to which any Rent or other
charge has been paid in advance, and such other information as may be requested.

     19.9.     Subordination:  The Lease is hereby made subject, junior and
subordinate to the Mortgage or Deed of Trust and to all renewals, modifications,
consolidations, replacements and extensions of the Mortgage or Deed of Trust so
that all rights of the Tenant under the Lease shall be subject, junior and
subordinate to the rights of the Mortgagee or beneficiary of a Deed of Trust
and to all renewals, modifications, consolidations, replacements and extensions
of the Mortgage or Deed of Trust as fully as if such instruments had been
executed, delivered and recorded prior to the Lease, all on the conditions and
subject to the other provisions of this Agreement.

     19.10     Attornment:  Tenant agrees to recognize the Mortgagee lender or
holder under the Mortgage or beneficiary of a Deed of Trust or any purchaser at
a foreclosure sale involving the Mortgage or Deed of Trust as its landlord under
the Lease without the necessity of any other or further attornment than in this
paragraph contained (and this paragraph shall be considered an attornment).
Tenant hereby waives any and all rights to termination of the Lease by reason of
the foreclosure of the Mortgage or Deed of Trust, and if any court holds the
Lease to be terminated by reason of a foreclosure of the Mortgage or Deed of
Trust, this Agreement shall be deemed to be a new lease between the purchaser at
such foreclosure, as landlord, and Tenant, as tenant, for the balance of the
term of the Lease for the same demised premises at the same rental therein
provided and upon the identical terms and conditions as therein provided. Also
in the event of any such holding, at the written request of Tenant or the
purchaser at the foreclosure, Tenant and such purchaser at foreclosure shall
execute and deliver to each other a new lease for the balance of the term of the
Lease for the same demised premises at the same rental therein provided and upon
the same terms and conditions as therein provided.

     19.11.    Authority:  Tenant, in the event that it is a Corporation, hereby
covenants and warrants that (a) it is duty authorized to do business in the
State of Missouri; (b) the person executing this lease on behalf of Tenant is an
officer of Tenant duly authorized by Tenant to sign and execute this Lease on
Tenant's behalf; and (c) this Lease is a valid and binding obligation of Tenant,
enforceable in accordance with the Lease's terms.

     19.12.    Non-Binding Unless Signed:  Submission of the form of this Lease
for examination shall not bind Landlord in any manner, and no lease or other
obligation of Landlord shall arise until this instrument is signed by both
Landlord and Tenant, approved by the holder of any mortgage, deed of trust or
other financial encumbrance on the Building having such approval rights, and
delivery is made to each party.

                                        7

<PAGE>

     19.13.    Rights:  No rights to any view or to light or air over any
property, whether belonging to Landlord or any other person are granted to
Tenant by this Lease.

     19.14.    Requirements of Lender:  If a lender requires as a condition to
lender's lending funds, the repayment of which is to be secured by a financial
encumbrance on the Building, that certain modifications be made to this Lease,
which modifications will not require Tenant to pay any additional amounts or
otherwise materially change the rights or obligations of Tenant hereunder,
Tenant shall, upon Landlord's reasonable request, execute appropriate
instruments effecting such modifications.

     19.15.    Confidentiality:  The terms and conditions of this Lease are
confidential and may not be disclosed by Tenant or Tenant's Representatives to
any third parties without the prior written consent of Landlord.

     19.16.    Landlord's Default:  In the event of any default on the part of
Landlord, Tenant shall give notice by certified mail to any holder of a
financial encumbrance covering the Building, whose address shall have been
furnished to the Tenant, and shall offer such holder a reasonable opportunity to
cure the default, including time to obtain possession of the Building by power
of sale or a judicial foreclosure, if such should prove necessary to effect a
cure.

     19.17.    Landlord's Rights:  Landlord shall, from time to time, have the
right to change the name of the Building and to make, establish and promulgate
reasonable rules and regulations for the Building, and the occupants and tenants
thereof, and Tenant shall observe, keep and comply with such rules and
regulations. In no event shall Landlord be liable to Tenant for consequential or
incidental damages arising out of or relating to this Lease.

     19.18.    Property Taxes:  Tenant shall be liable for and shall pay before
delinquency, taxes levied against any personal property or trade fixtures
placed by Tenant in the Premises.

     19.19.    Headings:  The Article and/or Section headings and the Table of
Contents in this Agreement are included herein for convenience of reference only
and shall not constitute a part of this Agreement for any other purpose.

     19.20.    Interpretation Of Words:  All words which refer to Landlord and
Tenant shall be considered to be of the gender and number required, and if
Tenant be more than one person, the provisions hereof shall apply to them
jointly and severally.

     19.21.    Time Of The Essence:  Time is of the essence with respect to the
performance and observance of all of the terms, covenants and conditions hereof
by Tenant.

     19.22.    Indemnification:  Tenant shall defend, indemnify and hold
harmless Landlord and its representatives, affiliates and agents from and
against all claims, demands, liabilities, causes of action, suits, judgments,
damages, and expenses (including attorneys' fees) arising from (1) any injury to
or death of any person or persons or damage to or theft, destruction, loss, or
loss of use of any property arising from any occurrence on the Premises, or (2)
Tenant's failure to perform its obligations under this Lease. If any proceeding
is filed for which indemnity is required hereunder, Tenant agrees, upon request
therefor, to defend the indemnified party in such proceeding at its sole cost
utilizing counsel satisfactory to Landlord.

     IN WITNESS WHEREOF, the parties have executed this Lease as of the day and
year first above written.

                                          Landlord:
                                          Clayton Investors Associates

Tenant:                                   By: Insignia/ESG, Inc.
Centene Corporation                           a Delaware Corporation
                                              Its: Agent

    By: /s/ illegible                     By: /s/ illegible
       ------------------------              --------------------------------
    Title: President and CEO              Title:  Vice President
          ---------------------                  ----------------------------

                                        8

<PAGE>

                                  EXHIBIT A 2
                                   FLOOR PLAN
                                   ----------

                       [GRAPHIC OF EXHIBIT A 2 FLOOR PLAN]

<PAGE>

                                  EXHIBIT A 1
                                   FLOOR PLAN
                                   ----------

                       [GRAPHIC OF EXHIBIT A 1 FLOOR PLAN]

<PAGE>

                                    EXHIBIT C
                      WORK TO BE PERFORMED ON THE PREMISES
                      ------------------------------------

     A.        Construction.  Based on the space plan dated February 11, 1999,
approved by both Landlord and Tenant and included herein as Exhibit B, Landlord
shall construct the improvements to the Premises.

     In the event that Tenant requests any modifications to the Approved
Construction Documents ("Change Orders"), Tenant, upon written approval from the
Landlord of the Change Order, will pay Landlord the total amount of such costs
within ten (10) days of Landlord's approval of the Change Order.

<PAGE>

                                    EXHIBIT D
                            CERTIFICATE OF OCCUPANCY
                            ------------------------

TENANT: CENTENE CORPORATION

LANDLORD: CLAYTON INVESTORS ASSOCIATES LLC

BUILDING: ARAGON PLACE

PREMISES: SUITES 500, 600, 800, 807, 808 & 810

DATE OF ORIGINAL LEASE EXECUTION:
                                  -------------------------

     This Certificate of Occupancy is executed by Tenant and Landlord pursuant
to the provisions of the Lease referenced above, and shall be attached thereto
and become a part thereof for all purposes.

     1.        Tenant hereby acknowledges that it has inspected the Premises and
finds same to be substantially complete, in a tenantable condition and now
suitable for Tenant's intended use.

     2.        Tenant and Landlord hereby agree that all work to be done to the
Premises is acceptable and that the only work remaining to be done to the
Premises, all of which is of a minor nature, is as follows: ____________________
________________________________________________________________. Such work is
the responsibility of _________________________ (insert Tenant or Landlord, as
the case may be) to complete and said party hereby agrees to promptly undertake
the completion of same. Tenant hereby agrees that such work may be completed
after it has taken occupancy of the Premises and the term of the Lease has
commenced; and further, that Tenant shall not be entitled to any abatement of
Tenant's Rent or other compensation as a result thereof.

     3.        Tenant and Landlord hereby agree, pursuant to Section 3.2 of the
Lease, that the actual Commencement Date of the term of the Lease shall be
__________________________ and that the Rent, as provided for in the Lease,
shall commence as of such date, and further, that the Lease will terminate at
Midnight (local time) on _______________________________, if not otherwise
terminated pursuant to the provisions of the Lease.

     Executed this ___________ day of ________________ , 19__.

TENANT:

CENTENE CORPORATION

By:
    ------------------------------------------

Title:
       ---------------------------------------

Date:
      ----------------------------------------

LANDLORD:

CLAYTON INVESTORS ASSOCIATES LLC

By: Insignia/ESG, Inc.
    a Delaware corporation
    Its: Agent

By:
    -------------------------------------------

Title:
       ----------------------------------------

Date:
      -----------------------------------------

<PAGE>

                                    EXHIBIT E
                                     FORM 1
                            CONTRACTOR'S LIEN WAIVER
                            ------------------------

STATE OF MISSOURI )
                  ) SS.    WAIVER OF ACKNOWLEDGMENT
CITY OF ST. LOUIS )

     WHEREAS, _________________________ ("Contractor") has/have been employed by
_________________________, as Tenant of the Premises described below, to perform
construction as a general contractor upon the following described premises,
to-wit:

("the Premises"), the specific terms and conditions of such employment being
governed by that certain Agreement dated the _____ day of ________, 19__, and

     WHEREAS, Clayton Investors Associates LLC ("Landlord") is Landlord of the
Premises.

     NOW, THEREFORE, for and in consideration of the sum of Ten Dollars ($10.00)
and other good and valuable consideration, the receipt of which is hereby
acknowledged, Contractor does hereby waive any right it may have to file any and
all mechanic's liens, claim of lien or right of lien against Landlord or
Landlord's interest in the Premises, provided by the statutes of the State of
Missouri, upon the above described Premises or any portion thereof. Further,
Contractor hereby acknowledges that Landlord has not contracted for or agreed to
pay for the work or materials called for in the contract described above.
Contractor agrees to look solely to Tenant or Tenant's interest in the Premises
to satisfy any mechanic's lien, right, claim or causes of action which
Contractor may have against Tenant arising out of the above referenced contract.
Contractor shall obtain a similar waiver and acknowledgment from all
subcontractors and suppliers.

     EXECUTED this ___ day of ___________, 19__.

                                               CONTRACTOR:

                                               -----------------------------

                                               By:
                                                   -------------------------

Subscribed and sworn to before me this ____ day of ____________ , 19__.

My commission expires:
                       ---------------------------------------

                                               -----------------------------
                                                               Notary Public

<PAGE>

                                    EXHIBIT E
                                      FORM 2
                             PARTIAL WAIVER OF LIEN
                             ----------------------

                      (Subcontractor or Material Supplier)

STATE OF MISSOURI )
                  ) SS.
CITY OF ST. LOUIS )

     WHEREAS, _____________________________ ("Contractor") has/have been
employed by ______________________________, as Tenant of the Premises described
below, to perform construction as a general contractor upon the following
described premises, to-wit:

("the Premises"), the specific terms and conditions of such employment being
governed by that certain Agreement dated the _____ day of __________, 19__, and

     WHEREAS, under authority of the above mentioned Agreement, _______________
has/have employed as a subcontractor material supplier, to perform labor, to
furnish materials or to do both upon the Premises or some portion thereof, the
specific terms and conditions of such employment being governed by that certain
Agreement dated the _____________ day of _____________ , 19__, and

     WHEREAS, Clayton Investors Associates LLC ("Landlord") is Landlord of the
Premises.

     NOW, THEREFORE, for and in consideration of the sum of Ten Dollars ($10.00)
and other good and valuable consideration, the receipt of which is hereby
acknowledged, subcontractor or material supplier does hereby waive any right it
may have to file any and all mechanic's liens, claim of lien or rights of lien
against Landlord or Landlord's interest in the Premises, provided by the
statutes of the State of Missouri, upon the above described Premises or any
portion thereof. Further, subcontractor or material supplier hereby acknowledges
that Landlord has not contracted for or agreed to pay for the work or materials
called for in the contract described above. Subcontractor or material supplier
agrees to look solely to Tenant to satisfy any mechanic's lien, right, claim or
cause of action which subcontractor or material supplier may have against Tenant
arising out of the above referenced contract.

     EXECUTED this day of ___________, 19__.

                                            SUBCONTRACTOR OR
                                            MATERIAL SUPPLIER:

                                            -----------------------------

                                            By:
                                               --------------------------<PAGE>

                                                                  EXHIBIT 10.8.3

           ARTHUR J. GALLAGHER & CO. AND AJG FINANCIAL SERVICES, INC.

                       THIRD AMENDMENT TO CREDIT AGREEMENT

Harris Trust and Savings Bank             Citibank, N.A.
Chicago, Illinois                         New York, New York

Bank of America, N.A.                     LaSalle Bank National Association
Chicago, Illinois                         Chicago, Illinois

The Northern Trust Company
Chicago, Illinois

Ladies and Gentlemen:

         This Third Amendment to Credit Agreement dated as of September 7, 2001
(herein, the "Amendment") is entered into by and between the undersigned, Arthur
J. Gallagher & Co, a Delaware corporation ("Gallagher"), AJG Financial Services,
Inc., a Delaware corporation ("AJG"; Gallagher and AJG being referred to herein
collectively as the "Borrowers" and individually as a "Borrower"), Citibank,
N.A., Bank of America, N.A., LaSalle Bank National Association, The Northern
Trust Company and Harris Trust and Savings Bank, individually and as Agent (the
"Agent"). Reference is hereby made to that certain Credit Agreement dated as of
September 11, 2000, as amended, between the Borrowers, the Banks and the Agent
(the "Credit Agreement"). All capitalized terms used herein without definition
shall have the same meanings herein as such terms have in the Credit Agreement.

         The Borrowers desire to extend the Short-Term Revolving Credit
Termination Date and make certain other amendments to the Credit Agreement, and
the Banks are willing to do so under the terms and conditions set forth in this
Amendment.

SECTION 1.     AMENDMENTS.

         Subject to the satisfaction of the conditions precedent set forth in
Section 2 below, the Credit Agreement shall be and hereby is amended as follows:

               1.1. The definition of the term "Applicable Margin" appearing
         in Section 6.1 of the Credit Agreement shall be amended and restated in
         its entirety to read as follows:

            " "Applicable Margin", with respect to Eurocurrency Loans,
            Domestic Rate Loans, and the facility fee payable pursuant to
            Section 4.1(a) hereof, means the following:

            Applicable Margin for Eurocurrency Loans under the     0.40%
            Revolving Credit:

<PAGE>

           Applicable Margin for Eurocurrency Loans under the      0.40%
           Short-Term Revolving Credit:

           Applicable Margin for Domestic Rate Loans under the     0.00%
           Revolving Credit:

           Applicable Margin for Domestic Rate Loans under the     0.00%
           Short-Term Revolving Credit:

           Applicable Margin for facility fee under the            0.10%
           Revolving Credit:

           Applicable Margin for facility fee under the            0.10%"
           Short-Term Revolving Credit:

           1.2.     The definition of the term  "Percentage"  appearing
     in Section 6.1 of the Credit Agreement shall be amended and restated in its
     entirety to read as follows:

           " "Percentage" means, for each Bank, (a) with respect to the
           Revolving Credit, the percentage of the Revolving Credit
           Commitments represented by such Bank's Revolving Credit
           Commitment or, if the Revolving Credit Commitments have been
           terminated, the percentage held by such Bank (including
           through participation interests in L/C Obligations
           outstanding under the Revolving Credit and Revolving Swing
           Loans) of the aggregate principal amount of all Revolving
           Loans, Revolving Swing Loans and L/C Obligations outstanding
           under the Revolving Credit then outstanding and (b) with
           respect to the Short-Term Revolving Credit, the percentage
           of the Short-Term Revolving Credit Commitments represented
           by such Bank's Short-Term Revolving Credit Commitment or, if
           the Short-Term Revolving Credit Commitments have been
           terminated, the percentage held by such Bank (including
           through participation interests in the L/C Obligations
           outstanding under the Short-Term Revolving Credit and
           Short-Term Swing Loans) of the aggregate principal amount of
           all Short-Term Revolving Loans, Short-Term Swing Loans and
           L/C Obligations outstanding under the Short-Term Revolving
           Credit then outstanding."

           1.3.  The definition of the term "Short-Term Revolving Credit
      Termination Date" appearing in Section 6.1 of the Credit Agreement shall
      be amended and restated in its entirety to read as follows:

                                      -2-

<PAGE>

          ""Short-Term Revolving Credit Termination Date" means September 8,
          2002, subject to any extension of such date pursuant to Section 5.2(b)
          hereof."

SECTION 2.   CONDITIONS PRECEDENT.

     The effectiveness of this Amendment is subject to the satisfaction of all
of the following conditions precedent:

          2.1. The Borrowers and the Banks shall have executed and delivered
     this Amendment.

          2.2. The Borrowers shall have paid to the Agent, for the ratable
     benefit of the Banks, an amendment fee in the amount of $25,000.

          2.3. The Agent shall have received copies (executed or certified, as
     may be appropriate) of all legal documents or proceedings taken in
     connection with the execution and delivery of this Amendment to the extent
     the Agent or its counsel may reasonably request.

          2.4. Legal matters incident to the execution and delivery of this
     Amendment shall be satisfactory to the Agent and its counsel.

SECTION 3.   REPRESENTATIONS.

     In order to induce the Agent and the Banks to execute and deliver this
Amendment, the Borrowers hereby represent to the Agent and the Banks that as of
the date hereof the representations and warranties set forth in Section 7 of the
Credit Agreement are and shall be and remain true and correct (except that the
representations contained in Section 7.5 shall be deemed to refer to the most
recent financial statements of the Borrowers delivered to the Agent and the
Banks) and the Borrowers are in compliance with the terms and conditions of the
Credit Agreement and no Default or Event of Default has occurred and is
continuing under the Credit Agreement or shall result after giving effect to
this Amendment.

SECTION 4.   MISCELLANEOUS.

        4.1. Except as specifically amended herein, the Credit Agreement shall
continue in full force and effect in accordance with its original terms.
Reference to this specific Amendment need not be made in the Credit Agreement,
the Notes, or any other instrument or document executed in connection therewith,
or in any certificate, letter or communication issued or made pursuant to or
with respect to the Credit Agreement, any reference in any of such items to the
Credit Agreement being sufficient to refer to the Credit Agreement as amended
hereby.

        4.2. The Borrowers agree to pay on demand all costs and expenses of or
incurred by the Agent in connection with the negotiation, preparation, execution
and delivery of this Amendment, including the fees and expenses of counsel for
the Agent.

                                      -3-

<PAGE>

     4.3. This Amendment may be executed in any number of counterparts, and by
the different parties on different counterpart signature pages, all of which
taken together shall constitute one and the same agreement. Any of the parties
hereto may execute this Amendment by signing any such counterpart and each of
such counterparts shall for all purposes be deemed to be an original. This
Amendment shall be governed by the internal laws of the State of Illinois.

                  [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]

                                      -4-

<PAGE>

     This Third Amendment to Credit Agreement is entered into as of the date and
year first above written.

                              ARTHUR J. GALLAGHER & CO.

                              By   /s/ Jack H. Lazzaro
                                 -------------------------------------------
                                  Name:   Jack H. Lazzaro
                                  Title:  Vice President - Treasurer

                              AJG FINANCIAL SERVICES, INC.

                              By   /s/ Jack H. Lazzaro
                                 -------------------------------------------
                                  Name: Jack H. Lazzaro
                                  Title: Vice President - CFO

                                      -5-

<PAGE>

         Accepted and agreed to.

                             HARRIS TRUST AND SAVINGS BANK,
                               individually and as Agent

                             By /s/ M. James Barry, III
                                -----------------------------
                                Name M. James Barry, III
                                Title Vice President

                             CITIBANK, N.A.

                             By /s/ Stephen P. Zwick
                                -----------------------------
                                Name Stephen P. Zwick
                                Title Vice President

                             BANK OF AMERICA, N.A.

                             By /s/ Mehul Mehta
                                -----------------------------
                                Name Mehul Mehta
                                Title Vice President

                             LASALLE BANK NATIONAL ASSOCIATION

                             By /s/ Kyle Freimuth
                                -----------------------------
                                Name Kyle Freimuth
                                Title Vice President

                             THE NORTHERN TRUST COMPANY

                             By /s/ Nicole D. Boehm
                                -----------------------------
                                Name Nicole D. Boehm
                                Title Second Vice President

                                      -6-

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