Document:

<PAGE>
                                                                    EXHIBIT 10.4

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

                          CONSTRUCTION AGENCY AGREEMENT

                           dated as of August 29, 2001

                                      among

                         ATLANTIC FINANCIAL GROUP, LTD.

                                       and

                                CHOICEPOINT INC.
                              as Construction Agent

================================================================================
<PAGE>

                                TABLE OF CONTENTS
<TABLE>
<CAPTION>
                                                                                                                Page
                                                                                                                ----
<S>                      <C>                                                                                    <C>
ARTICLE I                DEFINITIONS...............................................................................1
     1.1.                Defined Terms.............................................................................1

ARTICLE II               APPOINTMENT OF CONSTRUCTION AGENT.........................................................1
     2.1.                Appointment...............................................................................2
     2.2.                Acceptance; Construction..................................................................2
     2.3.                Commencement of Construction..............................................................2
     2.4.                Supplements to this Agreement.............................................................2
     2.5.                Term......................................................................................3
     2.6.                Identification of Properties; Construction Documents......................................3
     2.7.                Scope of Authority........................................................................3
     2.8.                Covenants of the Construction Agent.......................................................5
     2.9.                Insurance.................................................................................5

ARTICLE III              THE BUILDINGS............................................................................12
     3.1.                Amendments; Modifications................................................................12
     3.2.                Casualty and Condemnation................................................................12
     3.3.                Indemnity................................................................................13
     3.4.                Construction Force Majeure Events........................................................13

ARTICLE IV               PAYMENT OF FUNDS.........................................................................15
     4.1.                Funding of Property Acquisition Costs and Property Buildings Costs.......................15

ARTICLE V                CONSTRUCTION AGENCY EVENTS OF DEFAULT....................................................15
     5.1.                Construction Agency Events of Default....................................................15
     5.2.                Damages..................................................................................16
     5.3.                Remedies; Remedies Cumulative............................................................16
     5.4.                Limitation on Construction Agent's Recourse Liability....................................18
     5.5.                Construction Agent's Right to Purchase...................................................19
     5.6.                Construction Return Procedures...........................................................19
     5.7.                Option to Remarket.......................................................................20
     5.8.                Rejection of Sale........................................................................23
     5.9.                Return of Leased Property................................................................23

ARTICLE VI               NO CONSTRUCTION AGENCY FEE...............................................................24
     6.1.                Lease as Fulfillment of Lessor's Obligations.............................................24

ARTICLE VII              LESSOR'S RIGHTS; CONSTRUCTION AGENT'S RIGHTS.............................................24
     7.1.                Exercise of the Lessor's Rights..........................................................24
</TABLE>

                                        i

<PAGE>

<TABLE>
<S>                      <C>                                                                                      <C>
     7.2.                Lessor's Right to Cure Construction Agent's Defaults.....................................24

ARTICLE VIII             MISCELLANEOUS............................................................................25
     8.1.                Documentary Conventions..................................................................25
     8.2.                Successors and Assigns...................................................................25
</TABLE>

EXHIBITS

<TABLE>
<S>               <C>
Exhibit A         Form of Supplement to Construction Agency Agreement
</TABLE>

                                       ii

<PAGE>

                          CONSTRUCTION AGENCY AGREEMENT

         CONSTRUCTION AGENCY AGREEMENT, dated as of August 29, 2001 (as amended,
supplemented or otherwise modified from time to time, this "Agreement"), between
ATLANTIC FINANCIAL GROUP, LTD., a Texas limited partnership, (the "Lessor"), and
CHOICEPOINT INC., a Georgia corporation ("ChoicePoint", and in its capacity as
construction agent, the "Construction Agent").

                              PRELIMINARY STATEMENT

         A.       Lessor, ChoicePoint, certain subsidiaries of ChoicePoint that
may become signatories thereto, the Lenders signatory thereto and SunTrust Bank,
as agent for such Lenders (in such capacity, the "Agent") are parties to that
certain Master Agreement, dated as of August 29, 2001 (as amended, supplemented
or otherwise modified from time to time pursuant thereto, the "Master
Agreement").

         B.       Subject to the terms and conditions hereof, (i) the Lessor
desires to appoint ChoicePoint as the Construction Agent to act as its sole and
exclusive agent for the identification and acquisition of the Land pursuant to
the Master Agreement and construction of the Buildings in accordance with the
Plans and Specifications and pursuant to the Master Agreement, and (ii) the
Construction Agent desires, for the benefit of the Lessor, to cause the
Buildings to be constructed in accordance with the Plans and Specifications and
pursuant to the Master Agreement and this Agreement, in each case in accordance
with the terms herein set forth.

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

                                    ARTICLE I

                                   DEFINITIONS

         1.1.     Defined Terms. Capitalized terms used but not otherwise
defined in this Agreement shall have the meanings set forth in Appendix A to the
Master Agreement.

                                   ARTICLE II

                        APPOINTMENT OF CONSTRUCTION AGENT

<PAGE>

         2.1.     Appointment. Pursuant to and subject to the terms and
conditions set forth herein and in the Master Agreement and the other Operative
Documents, the Lessor hereby irrevocably designates and appoints ChoicePoint as
the Construction Agent to act as its exclusive agent for (i) the identification
and acquisition from time to time of Land to be acquired or leased by the Lessor
and leased or subleased to ChoicePoint and (ii) the construction of the
Buildings in accordance with the Plans and Specifications on such Land.

         2.2.     Acceptance; Construction. ChoicePoint hereby unconditionally
accepts the designation and appointment as Construction Agent. The Construction
Agent will cause the Buildings to be constructed on the Land substantially in
accordance with the Plans and Specifications and, in accordance with the
Operative Documents, to be equipped in all material respects with all Applicable
Law and insurance requirements, but using funds advanced by the Funding Parties
(or its own funds, subject to reimbursement from Advances), insurance proceeds,
condemnation awards and any Additional Amounts advanced by the Funding Parties
(collectively, the "Funding Sources"). If a Leased Property will be leased by a
Lessee other than ChoicePoint, ChoicePoint may appoint such Lessee as its
sub-construction agent with respect to such Leased Property, provided that such
appointment shall not affect ChoicePoint's obligations hereunder, which
obligations shall be primary and shall remain in full force and effect.

         2.3.     Commencement of Construction. Subject to Construction Force
Majeure Events, the Construction Agent hereby agrees, unconditionally and for
the benefit of the Lessor, to cause Construction of a Building to commence on
each parcel of Land as soon as is reasonably practicable, in its reasonable
judgment, after the Closing Date in respect of such Land. For purposes hereof,
Construction of a Building shall be deemed to commence on the date after the
Closing Date for the related Leased Property (the "Construction Commencement
Date") on which excavation for the foundation for such Building or any other
Construction of such Building commences. Without limiting the foregoing, no
phase of such Construction shall be undertaken until all permits required for
such phase have been issued therefor.

         2.4.     Supplements to this Agreement. On the Closing Date of each
parcel of Land, the Lessor and the Construction Agent shall each execute and
deliver to the Agent a supplement to this Agreement in the form of Exhibit A to
this Agreement, appropriately completed, pursuant to which the Lessor and the
Construction Agent shall, among other things, each acknowledge and agree that
the Construction of such parcel of Land will be governed by the terms of this
Agreement. Following the execution and delivery of a supplement to this
Agreement as provided above, such supplement and all supplements previously
delivered under this Agreement shall constitute a part of this Agreement. On or
prior to the Closing Date of each parcel of Land, the Construction Agent shall
prepare and deliver to the Lessor and the Agent a construction budget (the
"Construction Budget") for the related Leased Property, setting forth in
reasonable detail the budget for the Construction of the proposed Building on
such Land in accordance with the Plans and Specifications therefor, and all
related costs including the capitalized interest and Yield expected to accrue
during the related Construction Term; such Construction Budget shall

                                       2

<PAGE>

include a line item for the amount of self-insurance or deductibles applicable
to such Leased Property.

         2.5.     Term. This Agreement shall commence on the date hereof and
shall terminate with respect to any given Leased Property upon the first to
occur of:

                  (a)      payment by the Lessee of the Leased Property Balance
         and termination of the Lease with respect to such Leased Property in
         accordance with the Lease;

                  (b)      the expiration or earlier termination of the Lease;

                  (c)      termination of this Agreement pursuant to Article V
         hereof;

                  (d)      the Completion Date for such Leased Property and the
         completion of all punch list items as set forth in Section 2.8(d); and

                  (e)      the payment by the Construction Agent of the Leased
         Property Balance or the Construction Failure Payment with respect to
         such Leased Property pursuant to this Agreement.

         2.6.     Identification of Properties; Construction Documents. The
Construction Agent may execute any of its duties and obligations under this
Agreement by or through agents, contractors, developers, Affiliates, employees
or attorneys-in-fact, and the Construction Agent shall enter into such
agreements with architects and contractors as the Construction Agent deems
necessary or desirable for the construction of the Buildings pursuant hereto
(the "Construction Documents"); provided, however, that no such delegation shall
limit or reduce in any way the Construction Agent's duties and obligations under
this Agreement; provided, further, that contemporaneously with the execution and
delivery of a Construction Document, the Construction Agent will execute and
deliver to the Lessor the Security Agreement and Assignment, pursuant to which
the Construction Agent assigns to the Lessor, among other things, all of the
Construction Agent's rights under and interests in such Construction Documents.
Each construction contract shall be with a reputable general contractor with
experience in constructing projects that are similar in scope and type to the
proposed Building, and shall provide for a guaranteed maximum project cost, at
least 10% retainage and, except for the Leased Property located in Fulton
County, Georgia, the delivery of a performance bond.

         2.7.     Scope of Authority. (a) Subject to the terms, conditions,
restrictions and limitations set forth in the Operative Documents, the Lessor
hereby expressly authorizes the Construction Agent, or any agent or contractor
of the Construction Agent, and the Construction Agent unconditionally agrees,
for the benefit of the Lessor, to take all action necessary or desirable for the
performance and satisfaction of all of the Construction Agent's obligations

                                       3

<PAGE>

hereunder with respect to the Leased Properties acquired or leased by the
Lessor, including, without limitation:

                  (i)      the identification and assistance with the
         acquisition or lease of Land in accordance with the terms and
         conditions of the Master Agreement;

                  (ii)     all design and supervisory functions relating to the
         construction of the Buildings and performing all engineering work
         related to the construction of the Buildings;

                  (iii)    negotiating and entering into all contracts or
         arrangements to procure the equipment and services necessary to
         construct the Buildings on such terms and conditions as are customary
         and reasonable in light of local standards and practices;

                  (iv)     obtaining all necessary permits, licenses, consents,
         approvals and other authorizations, including those required under
         Applicable Law, from all Governmental Authorities in connection with
         the construction and the development of the Leased Property on the Land
         in accordance with the Plans and Specifications;

                  (v)      maintaining all books and records with respect to the
         construction, operation and management of the Leased Properties; and

                  (vi)     performing any other acts necessary or appropriate in
         connection with the identification, and acquisition (or leasing) and
         development of the Land and construction of the Buildings in accordance
         with the Plans and Specifications, and all other functions typically
         undertaken for the construction and development of similar properties.

         (b)      Neither the Construction Agent nor any of its Affiliates or
agents shall enter into any contract which would, directly or indirectly, impose
any liability or obligation on the Lessor unless such contract expressly
contains an acknowledgment by the other party or parties thereto that the
obligations of the Lessor are non-recourse, and that the Lessor shall have no
personal liability with respect to such obligations. Any contract entered into
by the Construction Agent or any of its Affiliates or agents not meeting the
requirements of the foregoing sentence shall be ineffective. Subject to the
foregoing, the Lessor shall execute such documents and take such other actions
as the Construction Agent shall reasonably request, at the Construction Agent's
expense, to permit the Construction Agent to perform its duties hereunder.

         (c)      Subject to the terms and conditions of this Agreement and the
other Operative Documents, the Construction Agent shall have sole management and
control over the means, methods, sequences and procedures with respect to the
Construction. The parties agree that the Construction Agent shall be in
possession and control of each Leased Property during the Construction Term
therefor.

                                       4

<PAGE>

         2.8.     Covenants of the Construction Agent. The Construction Agent
hereby covenants and agrees that it will, using the Funding Sources:

                  (a)      following the Construction Commencement Date for each
         parcel of Land, cause construction of a Building on such Land to be
         prosecuted diligently and without undue interruption substantially in
         accordance with the Plans and Specifications for such Land, in
         accordance with the Construction Budget for such Leased Property and in
         compliance in all material respects with all Applicable Law and
         insurance requirements;

                  (b)      notify the Lessor and the Agent in writing not less
         than five (5) Business Days after the occurrence of each Construction
         Force Majeure Event;

                  (c)      take all reasonable and practical steps to cause the
         Completion Date for such Leased Property to occur on or prior to the
         Scheduled Construction Termination Date for such Leased Property, and
         cause all Liens (including, without limitation, Liens or claims for
         materials supplied or labor or services performed in connection with
         the construction of the Buildings), other than Permitted Liens and
         Lessor Liens, to be discharged;

                  (d)      following the Completion Date for each Leased
         Property, cause all outstanding punch list items with respect to the
         Buildings on such Leased Property to be completed within sixty (60)
         days after said Completion Date;

                  (e)      at all times during Construction, cause all title to
         all personalty financed by the Lessor on or within such Leased Property
         to be and remain vested in the Lessor and cause to be on file with the
         applicable filing office or offices all necessary documents under
         Article 9 of the Uniform Commercial Code to perfect such title free of
         all Liens other than Permitted Liens, it being understood and
         acknowledged that such Lessor's rights, title and interest in and to
         said personalty have been assigned to the Agent pursuant to the
         Operative Documents;

                  (f)      not enter into any agreements or arrangements with
         any Person (other than the Funding Parties pursuant to the Operative
         Documents) that would result in any claim against, or liability of, the
         Agent or any Funding Party resulting from the fact that any Leased
         Property is not completed on or prior to the Scheduled Construction
         Termination Date therefor; and

                  (g)      take all reasonable and practical steps to minimize
         the disruption of the construction process arising from Construction
         Force Majeure Events.

         2.9.     Insurance.

                                       5

<PAGE>

         (a)      Insurance by the Construction Agent: The Construction Agent
shall cause to be procured with proceeds of Advances pursuant to, and subject to
the terms and conditions of, the Operative Documents and maintain in full force
and effect during the Construction Term insurance policies with insurance
companies authorized to do business in each jurisdiction in which the Leased
Properties under Construction are located with a Best Insurance Reports rating
of "A" or better and a financial size category of "VIII" or higher, or that are
pre-approved by the Lessor, with limits and coverage provisions as set forth
below.

                  (i)      General Liability Insurance. Liability insurance on
         an occurrence basis for the Construction Agent's and Lessor's liability
         arising out of claims for personal injury (including bodily injury and
         death) and property damage. Such insurance shall provide coverage for
         products-completed operations, contractual and personal injury
         liability with a $1,000,000 limit per occurrence for combined bodily
         injury and property damage with policy aggregates of $2,000,000 (other
         than products-completed operations) and $1,000,000 for
         products-completed operations. A maximum deductible or self- insured
         retention of $5,000 per occurrence shall be allowed with respect to
         such insurance to the extent relating to the Leased Properties.

                  (ii)     Automobile Liability Insurance. Automobile liability
         insurance for the Construction Agent's and Lessor's liability arising
         out of claims for bodily injury and property damage covering all
         leased, non-owned and hired vehicles used in the performance of the
         Construction Agent's obligations under this Agreement with a $1,000,000
         limit per accident for combined bodily injury and property damage and
         containing appropriate no-fault insurance provisions wherever
         applicable. A maximum deductible or self-insured retention of $5,000
         per occurrence shall be allowed with respect to such insurance to the
         extent relating to the Leased Properties.

                  (iii)    Excess Liability Insurance. Liability insurance in
         excess of the insurance coverage required in clauses (i) and (ii) above
         with a limit of $5,000,000 per occurrence and in the aggregate.

                  (iv)     Builder's Risk Insurance. Property damage insurance
         on an "all risk" basis insuring the Construction Agent and Lessor, as
         their interests may appear, including coverage against loss or damage
         from the perils of earth movement (including but not limited to
         earthquake, landslide, subsidence and volcanic eruption), flood,
         strike, riot and civil commotion.

                           a.       Property Covered. The builder's risk
                  insurance shall provide coverage for (i) the Buildings,
                  structures, machinery, equipment, facilities, fixtures,
                  supplies and other property constituting a part of the Leased
                  Property under Construction, (ii) property of others in the
                  care, custody or control of the Construction Agent in
                  connection with the Leased Property, but not contractor's

                                       6

<PAGE>

                  tools, machinery, plant and equipment including spare parts
                  and accessories not destined to become a permanent part of the
                  Leased Property, (iii) all preliminary works, temporary works
                  and interconnection works and (iv) foundations and other
                  property below the surface of the ground.

                           b.       Additional Coverages. The builder's risk
                  policy shall insure (i) the cost (including labor) of
                  preventive measures to reduce or prevent further loss, (ii)
                  inland transit with sublimits sufficient to insure the largest
                  single shipment to or from the Leased Property site from
                  anywhere within North America, (iii) attorney's fees,
                  engineering and other consulting costs, and permit fees
                  directly incurred in order to repair or replace damaged
                  insured property in the amount of $2,500, (iv) expediting
                  expenses (defined as reasonable extra costs incurred after an
                  insured loss to make temporary repairs and expedite the
                  permanent repair of the damaged property) with a sublimit in
                  the amount of $25,000, (v) off-site storage to insure the full
                  replacement value of any property or equipment not stored on
                  the Leased Property site with a sublimit of $150,000, and (vi)
                  demolition expenses, removal of undamaged portion, and
                  increased cost of construction due to operation of laws or
                  codes with a sublimit of twenty-five percent (25%) of the
                  amount of the physical loss or damage.

                           c.       Special Clauses. The builder's risk policy
                  shall include (i) a 72 hour flood/windstorm/earthquake clause,
                  (ii)unintentional errors and omissions clause, (iii) a
                  requirement that the insurer pay losses within 60 days after
                  receipt of an acceptable proof of loss, and (iv) an extension
                  clause allowing the policy period to be extended up to 60 days
                  without modification to the terms and conditions of the policy
                  and payment of the premium on a pro-rata basis.

                           d.       Prohibited Exclusions. The builder's risk
                  policy shall not contain any (i) coinsurance provisions, (ii)
                  exclusion for ensuing direct physical loss or damage resulting
                  from freezing, (iii) exclusion for physical loss or damage
                  covered under any guarantee or warranty arising out of an
                  insured peril, or (iv) exclusion for resultant physical loss
                  or damage caused by ordinary wear and tear, gradual
                  deterioration, faulty workmanship, [design] or materials.

                           e.       Sum Insured. The builder's risk policy shall
                  (i) be on a completed value form, (ii) insure 100% of the
                  completed insurable value of the Building(s), (iii) value
                  losses at replacement cost, without deduction for physical
                  depreciation or obsolescence including custom duties, taxes
                  and fees and (iv) insure loss or damage from earth movement
                  and flood with separate sublimits of $15,000,000.

                           f.       Deductible. The builder's risk insurance may
                  have a deductible not in excess of $5,000.

                                       7

<PAGE>

                  (v)      Delayed Startup Insurance. Delayed startup coverage
         insuring the Lessor and covering the Lessor's accrued and capitalized
         interest and Yield for a six month period as a result of loss or damage
         insured by the builder's risk insurance resulting in a delay in
         completion of the Building(s) beyond their anticipated date of
         completion.

         Such insurance shall (a) have a deductible of not greater than 10 days
         per occurrence during the Construction Term, (b) have an indemnity
         period not less than six months, (c) cover loss sustained when access
         to the Leased Property site is prevented due to an insured peril at
         premises in the vicinity of the Leased Property site with a sublimit of
         $27,500, (d) cover loss sustained due to the action of a public
         authority preventing access to the Leased Property site due to imminent
         or actual loss or destruction arising from an insured peril at premises
         in the vicinity of the Leased Property site with a sublimit of $27,500,
         and (e) not contain any form of a coinsurance provision or include a
         waiver of such provisions.

                  (vi)     Endorsements. All policies of insurance required to
         be maintained by the Construction Agent shall be endorsed as follows.

                           a.       To name the Lessor as the loss payee with
                  respect to all property insurance;

                           b.       To name the Lessor, the Lenders and the
                  Agent as additional insureds with respect to all liability
                  policies;

                           c.       To provide a severability of interests and
                  cross liability clause;

                           d.       That the insurance shall be primary and not
                  excess to or contributing with any insurance or self-insurance
                  maintained by the Lessor or the additional insureds.

                           e.       That in respect of the interests of the
                  Lessor, the Lenders and the Agent, such policies shall not be
                  invalidated by any fraud, action, inaction or
                  misrepresentation of the Construction Agent or any other
                  Person, and shall insure each of the Lessor, the Lenders and
                  the Agent regardless of any breach of any terms, conditions or
                  warranty contained in any policy by the Construction Agent or
                  any other Person.

                  (vii)    Waiver of Subrogation. The Construction Agent hereby
         waives any and every claim for recovery from the Lessor, the Lenders
         and the Agent for any and all loss or damage covered by any of the
         insurance policies to be maintained under this Agreement to the extent
         that such loss or damage is recovered under any such policy. If the
         foregoing waiver will preclude the assignment of any such claim to the
         extent of such

                                       8

<PAGE>

         recovery, by subrogation (or otherwise), to an insurance company (or
         other person), the Construction Agent (or other appropriate party)
         shall give written notice of the terms of such waiver to each insurance
         company which has issued, or which may issue in the future, any such
         policy of insurance (if such notice is required by the insurance
         policy) and shall cause each such insurance policy to be properly
         endorsed by the issuer thereof to, or to otherwise contain one or more
         provisions that, prevent the invalidation of the insurance coverage
         provided thereby by reason of such waiver.

         (b)      Conditions.

                  (i)      Adjustment of Losses. Losses, if any, with respect to
         any Leased Property under any damage policies required to be carried
         under this Section 2.9 shall be adjusted with the insurance companies,
         including the filing of appropriate proceedings, as follows: (x) so
         long as no Construction Agency Event of Default shall have occurred and
         be continuing, and provided that the Construction Agent is required, or
         has agreed, to repair the damage or if the purchase option has been
         exercised, such losses will be adjusted by the Construction Agent, (y)
         if any Construction Agency Event of Default shall have occurred and be
         continuing or Construction Force Majeure Event declared, or if the
         Construction Agent is not required to, and has not agreed to, repair
         the damage, such losses shall be adjusted by the Lessor with the
         consent of the Construction Agent (which consent shall not be
         unreasonably withheld or delayed). The party which shall be entitled to
         adjust losses may appear in any proceeding or action to negotiate,
         prosecute, adjust or appeal any claim for any award, compensation or
         insurance payment on account of any Casualty at such party's reasonable
         request, and the other party shall participate in any such proceeding,
         action, negotiation, prosecution or adjustment. The Construction Agent
         may incur no expenses with respect to loss adjustment without the prior
         consent, not to be unreasonably withheld, of the Lessor. Adjustment
         expenses shall be funded through Advances. The parties hereto agree
         that this Agreement shall control the rights of the parties hereto in
         and to any such award, compensation or insurance payment relating to
         any Casualty affecting a Construction Land Interest.

                  (ii)     Application of Insurance Proceeds. All proceeds of
         insurance maintained pursuant to this Section 2.9 on account of any
         damage or destruction of any Leased Property (or part thereof) subject
         to Construction shall be paid to Lessor, provided that (i) if no
         Construction Agency Event of Default shall have occurred and (ii)
         subject to Section 3.4, the Construction Agent has undertaken to repair
         the damage and has demonstrated to the reasonable satisfaction of the
         Lessor that the application of such insurance proceeds (including,
         without limitation, delay in start up coverage), together with the
         remaining Commitment and any increase to the Commitments effected
         pursuant to Section 3.2, are sufficient to cause the construction to be
         completed on or prior to the Scheduled Construction Termination Date,
         such funds shall be held by Lessor in a segregated account and
         disbursed to the Construction Agent to pay costs incurred by the

                                       9

<PAGE>

         Construction Agent to effect the repair of the Leased Property. If the
         Construction cannot be completed on or prior to the Scheduled
         Construction Termination Date, the parties agree to discuss the issue
         of disbursement of insurance proceeds to the Construction Agent in good
         faith and after such discussion the Lessor shall make a determination
         in the exercise of its sole discretion. Any proceeds of insurance paid
         to Lessor pursuant in this Section 2.9, not used to repair the Leased
         Property and held by Lessor shall be applied to the account of
         Construction Agent to reduce the Lease Balance.

                  (iii)    Additional Insurance. Any additional insurance
         obtained by the Construction Agent or the Lessor shall provide that it
         shall not interfere with or in any way limit the insurance described in
         this Section 2.9 or increase the amount of any premium payable with
         respect to any insurance described in such Section. The proceeds of any
         such additional insurance will be for the account of the party
         maintaining such additional insurance.

                  (iv)     Payment of Premiums. The Construction Agent shall
         cause to be paid (including, in the case of insurance required under
         this Section 2.9, with the proceeds of Advances and capitalized as part
         of Permitted Lease Balance), all premiums for the insurance required
         hereunder. The Construction Agent shall renew or replace, or cause to
         be renewed or replaced, each insurance policy required hereunder prior
         to the expiration date thereof for the duration of the Construction
         Term.

                  (v)      Policy Cancellation and Change. All policies of
         insurance required to be maintained pursuant to this Section 2.9 shall
         be endorsed so that if at any time they are cancelled, or their
         coverage is reduced (by any party including the insured) so as to
         affect the interests of the Lessor, such cancellation or reduction
         shall not be effective as to the Lessor for 30 days, except for
         non-payment of premium which shall be for 10 days, after receipt by the
         Lessor of written notice from such insurer of such cancellation or
         reduction.

                  (vi)     Miscellaneous Policy Provisions. All property damage
         and delayed startup insurance policies, (i) shall not include any
         annual or term aggregate limits of liability or clause requiring the
         payment of additional premium to reinstate the limits after loss except
         for insurance covering the perils of flood, earth movement, sabotage
         and terrorism, (ii) shall include the Lessor as a named insured as its
         interest may appear, and (iii) shall include a clause requiring the
         insurer to make final payment on any claim within 60 days after the
         submission of proof of loss and its acceptance by the insurer.

                  (vii)    Separation of Interests. All policies shall insure
         the interests of the Lessor regardless of any breach or violation by
         the Construction Agent or any other Person of warranties, declarations
         or conditions contained in such policies, any action or inaction of

                                       10

<PAGE>

         the Construction Agent or others, or any foreclosure relating to the
         Leased Property or any change in ownership of all or any portion of the
         Leased Property.

                  (viii)   Acceptable Policy Terms and Conditions. All policies
         of insurance required to be maintained pursuant to this Section 2.9
         shall contain terms and conditions reasonably acceptable to the Lessor.

         (c)      Evidence of Insurance. On the related Construction
Commencement Date and on an annual basis at least 10 days prior to each policy
anniversary, the Construction Agent shall furnish, or shall cause to be
furnished, the Lessor with (1) certificates of insurance or binders, in a form
acceptable to the Lessor, evidencing all of the insurance required by the
provisions of this Section 2.9. Such certificates of insurance/binders shall be
executed by each insurer or by an authorized representative of each insurer.
Such certificates of insurance/binders shall identify underwriters, the type of
insurance, the insurance limits and the policy term and shall specifically list
the special provisions enumerated for such insurance required by this Section
2.9. Upon request, the Construction Agent will promptly furnish the Lessor with
copies of all insurance policies, binders and cover notes or other evidence of
such insurance relating to the insurance required to be maintained hereunder.

         (d)      Reports. Concurrently with the furnishing of the certification
referred to in paragraph (c), the Construction Agent shall furnish, or cause to
be furnished, the Lessor with a report of an independent broker, signed by an
officer of the broker, stating that in the opinion of such broker, the insurance
then carried or to be renewed is in accordance with the terms of this Section
2.9. In addition the Construction Agent will advise the Lessor in writing
promptly of any default in the payment of any premium and of any other act or
omission on the part of the Construction Agent which may invalidate or render
unenforceable, in whole or in part, any insurance being maintained by the
Construction Agent pursuant to this Section 2.9.

         (e)      No Duty of Lessor to Verify or Review. No provision of this
Section 2.9 or any provision of this Agreement or the other Operative Documents
shall impose on the Lessor any duty or obligation to verify the existence or
adequacy of the insurance coverage maintained by the Construction Agent, nor
shall the Lessor be responsible for any representations or warranties made by or
on behalf of the Construction Agent to any insurance company or underwriter. Any
failure on the part of the Lessor to pursue or obtain the evidence of the
insurance required by this Agreement from the Construction Agent and/or failure
of the Lessor to point out any non- compliance of such evidence of insurance
shall not constitute a waiver of any of the insurance requirements in this
Agreement.

Notwithstanding anything herein to the contrary, the Construction Agent shall
not be responsible for the payment of any insurance deductible amounts.

                                       11

<PAGE>

                                   ARTICLE III

                                  THE BUILDINGS

         3.1.     Amendments; Modifications. The Construction Agent may, subject
to the conditions, restrictions and limitations set forth herein and in the
Operative Documents (but not otherwise), at any time during the term hereof
revise, amend or modify the Plans and Specifications and the related
Construction Documents without the consent of the Lessor; provided, however,
that the Lessor's prior written consent will be required in the following
instances: (x) such revision, amendment or modification by its terms would
result in the Completion Date of the Buildings occurring after the Scheduled
Construction Termination Date, or (y) such revision, amendment or modification
would result in the cost for such Leased Property exceeding the then remaining
Commitments, minus the then remaining costs for completing each other Leased
Property for which the Completion Date has not occurred, or increase the
Construction Budget therefor, or (z) the aggregate effect of such revision,
amendment or modification, when taken together with any previous or
contemporaneous revision, amendment or modification to the Plans and
Specifications for such Leased Property, would be to reduce the Fair Market
Sales Value of such Leased Property in a material respect when completed.

         3.2.     Casualty and Condemnation. If at any time prior to the
Completion Date with respect to any Building there occurs a Casualty or the
Lessor or the Construction Agent receives notice of a Condemnation, then, in
each case the Construction Agent shall promptly and diligently take all
commercially reasonable and practical steps to cause the Construction of the
related Building to be completed substantially in accordance with the Plans and
Specifications and with the terms hereof, and cause the Completion Date to occur
on or prior to the Scheduled Construction Termination Date. The Construction
Agent shall use all insurance proceeds or Awards received by it with respect to
such Casualty or Condemnation, as the case may be, to pay the construction costs
incurred in connection with such rebuilding or restoration. The Lessor shall
make all insurance proceeds or Awards received with respect to such Casualty or
Condemnation available to the Construction Agent to reimburse the Construction
Agent for, or to pay, all construction costs incurred in connection with such
rebuilding or restoration. To the extent that such insurance proceeds are
insufficient to pay such construction costs, such construction costs shall be
paid with the proceeds of Advances made pursuant to the Master Agreement. In the
event that the insurance proceeds or Awards, plus the remaining Commitments are
insufficient to cover the costs of such rebuilding, then the Funding Parties
shall be obligated to increase their Commitments (on a pro rata basis) in an
aggregate amount equal to such deficiency, (any Advances made pursuant to such
increase, called the "Additional Amounts") provided that (i) the unused fee on
such increased Commitments and the interest rate and Lessor Rate on such
Additional Amounts shall be at such rate as the Funding Parties and ChoicePoint
mutually agree, (ii) the Construction Agent delivers an appraisal of the related
Leased Property from the Appraiser that is satisfactory to the Agents and the
Funding Parties, in

                                       12

<PAGE>

their sole discretion and (iii) each Funding Party has received all necessary
credit approvals for such increase. In the event that Lessor does not make such
insurance proceeds or Advances available, or the Commitments are not increased
as set forth in the previous sentence, then notwithstanding any other provision
of this Agreement, the Construction Agent may elect to return the affected
Leased Property (including all insurance proceeds and condemnation awards with
respect thereto) to the Lessor in accordance with Section 5.6 by delivering
written notice of such election to the Agent within thirty (30) days of the
related Casualty or Condemnation, in which event the Construction Agent shall
not have any obligation to pay the Construction Failure Payment with respect to
such Leased Property.

         3.3.     Indemnity. During the Construction Term for each Leased
Property, the Construction Agent agrees to assume liability for, and to
indemnify, protect, defend, save and hold harmless the Lessor on an After-Tax
Basis, from and against, any and all Claims that may be imposed on, incurred by
or asserted or threatened to be asserted, against the Lessor, whether or not the
Lessor shall also be indemnified as to any such Claim by any other Person, in
any way relating to or arising out of (i) any event, condition or circumstance
within the Construction Agent's control,(ii) fraud, misapplication of funds,
illegal acts or willful misconduct on the part of the Construction Agent, (iii)
any event described in paragraph (f) of Article XII of the Lease with respect to
the Construction Agent. As used in clause (i) of the foregoing sentence, the
term "within the Construction Agent's control" shall mean caused by or arising
from any failure by any Obligor to comply with any of its obligations under the
Operative Documents (including its insurance obligations), any representation or
warranty by any Obligor in any of the Operative Documents being inaccurate, any
negligence or wilful misconduct of any Obligor, or any claim by any third party
against the Lessor based upon the action or inaction of or by any Obligor;
provided, however, that if such Claim is related to an inability or the failure
to complete the construction of a Leased Property on or prior to Scheduled
Construction Termination Date therefor and such Claim does not arise out of or
result from events or circumstances described in the foregoing clause (ii) or
(iii), the Construction Agent's liability shall be limited to an amount equal to
the Construction Failure Payment. Any Claims that are incurred by any
Indemnified Party for which the Construction Agent is not obligated to indemnify
pursuant to this Section 3.3 or the Master Agreement shall, if requested by the
Agent by written notice to Lessor be capitalized, and result in an increase to
the Funded Amounts related to the relevant Leased Property (it being understood
that any such increase shall be treated as an Additional Amount for the purposes
of calculating Lessor Basic Rent and Lender Basic Rent). The foregoing
indemnities are in addition to, and not in limitation of, the indemnities with
respect to environmental claims set forth in Section 7.2 of the Master
Agreement. The provisions of Section 7.3 of the Master Agreement shall apply to
any amounts that the Construction Agent is requested to pay pursuant to this
Section 3.3.

         3.4.     Construction Force Majeure Events. If a Construction Force
Majeure Event that results in, or could reasonably be expected to result in, a
Force Majeure Loss (including any losses that result from a Construction Force
Majeure Event that prevents, or could reasonably be

                                       13

<PAGE>

expected to prevent, the Construction Agent from completing Construction prior
to the Scheduled Construction Termination Date) occurs, the Construction Agent
shall promptly provide the Lessor with written notice thereof within ten (10)
Business Days of the Construction Agent's knowledge of the occurrence thereof
(the "Construction Force Majeure Declaration"). Upon receipt of the Construction
Force Majeure Declaration, Lessor and the Construction Agent shall consult with
each other as to what steps, if any, are to be taken to remediate such
Construction Force Majeure Event, including consulting as to the appropriateness
of an extension of the Scheduled Construction Termination Date. The Construction
Agent shall take all reasonable and practical steps to minimize the disruption
of the construction process and all steps reasonably necessary to prevent
further damage arising from such Construction Force Majeure Event. The
Construction Agent shall be entitled to reimbursement from Lessor for any costs
directly related to minimizing the disruption and to preventing further damage
of such Construction Force Majeure Event through the proceeds of Fundings
pursuant to, and subject to the terms and conditions of, the Master Agreement.
The Construction Agent shall, within thirty (30) days of the delivery of the
Construction Force Majeure Declaration, submit to the Lessor a budget detailing
the costs that would be incurred in remediating such Construction Force Majeure
Event and a schedule for effecting the same. The Construction Agent will
commence such remediation only upon receipt of written authorization from the
Lessor to do so, which authorization (or denial thereof) shall be given by
written notice to Construction Agent not later than fifteen (15) Business Days
after Lessor's receipt of the budget referred to in the preceding sentence. The
Lessor in its sole discretion may elect to continue Construction and make
Advances for such remediation or terminate this Agreement with respect to the
affected Leased Property. If the Lessor elects to terminate this Agreement with
respect to the affected Leased Property, subject to Construction Agent's right
to purchase such Leased Property in accordance with Section 5.5 hereof, the
Construction Agent shall within thirty (30) days of receipt of written notice of
termination return the affected Leased Property to the Lessor in accordance with
the procedures set forth in Section 5.6 and pay to the Lessor the Construction
Failure Payment (subject to the last sentence of Section 3.2), in which event,
Section 5.6 shall be applicable, or, if the Construction Agent exercises the
Construction Default Remarketing Option, Section 5.7 shall be applicable.

         In the event the Lessor elects to continue Construction after receipt
of a Construction Force Majeure Declaration, the Lessor shall make available to
the Construction Agent, so long as no Construction Agency Event of Default shall
have occurred and be continuing, all insurance proceeds payable to the Lessor
with respect to such event to the extent necessary to remediate such event.

                                       14

<PAGE>

                                   ARTICLE IV

                                PAYMENT OF FUNDS

         4.1.     Funding of Property Acquisition Costs and Property Buildings
Costs. (a) In connection with the acquisition or lease of any Land and during
the course of the construction of the Buildings on any Land, the Construction
Agent may request that the Lessor advance funds for the payment of Construction
Costs, and the Lessor will comply with such request to the extent provided for
under, and subject to the conditions, restrictions and limitations contained in,
the Master Agreement and the other Operative Documents.

         (b)      The proceeds of any funds made available to the Lessor to pay
Construction Costs shall be made available to the Construction Agent in
accordance with the Funding Request relating thereto and the terms of the Master
Agreement. The Construction Agent will use such proceeds only to pay the
acquisition, transaction and closing costs or improvement costs for Leased
Properties set forth in the Funding Request relating to such funds.

                                    ARTICLE V

                      CONSTRUCTION AGENCY EVENTS OF DEFAULT

         5.1.     Construction Agency Events of Default. If any one or more of
the following events (each a "Construction Agency Event of Default") shall occur
and be continuing:

                  (a)      the Construction Agent fails to apply any funds paid
         by, or on behalf of, the Lessor to the Construction Agent for
         Construction Costs to the payment of Construction Costs or improvements
         costs for such Leased Property;

                  (b)      subject to Construction Force Majeure Events, the
         Construction Commencement Date with respect to any Leased Property
         shall fail to occur for any reason on or prior to the date that is one
         year after the Closing Date with respect to such Leased Property;

                  (c)      the Completion Date with respect to any Leased
         Property shall fail to occur for any reason on or prior to the earlier
         of the Funding Termination Date and the Scheduled Construction
         Termination Date for such Leased Property;

                  (d)      any Event of Default shall have occurred and be
         continuing; or

                  (e)      the Construction Agent shall fail to observe or
         perform in any material respect any term, covenant or condition of this
         Agreement (except those specified in clauses (a) through (d) above),
         and such failure shall remain uncured for a period of thirty

                                       15

<PAGE>

         (30) days after notice thereof to the Construction Agent, except that
         such thirty (30) day period shall be automatically extended for such
         additional period of time as is reasonably necessary to cure such
         default, if such default is capable of being cured but cannot, with
         reasonable diligence, be cured within such thirty (30) day period,
         provided that (i) the Construction Agent is in the process of
         diligently curing such default and (ii) such period shall not be
         extended for more than 90 days;

then, in any such event, the Lessor may, in addition to the other rights and
remedies provided for in this Article (but subject to the last sentence of
Section 3.2), immediately terminate this Agreement as to any Leased Property or
Properties or all of the Leased Properties, separately, successively or
concurrently (all in Lessor's sole discretion) by giving the Construction Agent
written notice of such termination, and upon the giving of such notice, this
Agreement shall terminate as to such Leased Property or Properties or all of the
Leased Properties (as the case may be) and all rights of the Construction Agent
and, subject to the terms of the Operative Documents, all obligations of the
Lessor under this Agreement with respect to such Leased Property or Properties
or all of the Leased Properties (as the case may be) shall cease. The
Construction Agent shall pay upon demand all reasonable costs, expenses, losses,
expenditures and damages (including, without limitation, attorneys' fees and
disbursements) actually incurred by or on behalf of the Lessor in connection
with any Construction Agency Event of Default.

         5.2.     Damages. The termination of this Agreement pursuant to Section
5.1 shall in no event relieve the Construction Agent of its liability and
obligations hereunder, all of which shall survive any such termination.

         5.3.     Remedies; Remedies Cumulative. (a) If a Construction Agency
Event of Default shall have occurred and be continuing under Section 5.1(b),
5.1(c), 5.1(d) (other than an Event of Default under paragraph (f) or (g) of
Article XII of the Lease or an Event of Default under paragraph (l) of Article
XII of the Lease if such event occurs as a result of a hostile takeover) or
5.1(e) (other than as a result of Construction Agent's fraudulent or illegal
acts, misapplication of funds or willful misconduct), then, in each case, the
Lessor shall have all rights and remedies available under the Operative
Documents or available at law, equity or otherwise. Lessor shall have the right
to terminate this Agreement by giving Construction Agent written notice of such
termination, and upon the giving of such notice, all rights and all obligations
of the Construction Agent under this Agreement shall cease, except for such
rights and obligations as by their terms are to continue beyond such
termination, including Section 5.6(f) hereof and Lessor shall have the right to
require Construction Agent to pay immediately upon receipt of notice from Lessor
the Construction Failure Payment for all of the Construction Land Interests;
provided that the Construction Agent has the option to purchase the Leased
Property in accordance with Section 5.5 hereof and the Construction Agent shall
have the option to cause the Leased Property to be remarketed in accordance with
Section 5.7 hereof.

                                       16

<PAGE>

         In the event Construction Agent does not purchase the Leased Property
pursuant to the terms hereof or the Construction Agent does not cause the Leased
Property to be remarketed in accordance with Section 5.7 hereof, the related
Lessee(s) shall return the Leased Property to Lessor within ten (10) Business
Days in accordance with Section 5.6 hereof and, subject to the last sentence of
Section 3.2, Lessor shall have the right to sell the Leased Property to an
unaffiliated third party and to require Construction Agent to pay to Lessor,
immediately upon receipt of the termination notice, cash in an amount equal to
the Construction Failure Payment for all of the Construction Land Interests. The
proceeds derived from any such sale, net of all sale costs, closing costs and
carrying costs (including, without limitation, amounts expended by the Agent or
any Funding Party to insure, protect, maintain or operate the Leased Property,
sales, transfer and real property taxes, brokers' fees, legal fees, the
insurance costs, interest and Yield, and survey costs), shall be distributed
first, to Lessor in the amount of the difference between the Permitted Lease
Balance and the Construction Failure Payment, if any, received by the Lessor,
second, to the extent the Construction Agent has paid to the Lessor the
Construction Failure Payment, to the Construction Agent to reimburse it to the
extent of its payment of the Construction Failure Payment, and third, to the
Lessor.

         (b)      If a Construction Agency Event of Default shall have occurred
and be continuing under Sections 5.1(a), 5.1(d) (as the result of an Event of
Default under paragraph (f) of Article XII of the Lease) or 5.1(e) (as a result
of the Construction Agent's fraudulent or illegal acts, misapplication of funds
or willful misconduct), Lessor shall have the right to terminate this Agreement
by giving Construction Agent written notice of such termination, and upon the
giving of such notice, all rights and all obligations of the Construction Agent
under this Agreement shall cease, except for such rights and obligations as by
their terms are to continue beyond such termination, including Section 5.6(f)
hereof and Lessor shall have the right to require Construction Agent to pay
immediately upon receipt of notice from Lessor the sum of (i) the Permitted
Lease Balance then outstanding and (ii) an amount equal to all insurance
proceeds paid to Construction Agent following the occurrence of any Construction
Force Majeure Event which were not applied by the Construction Agent or are not
required to reimburse the Construction Agent for Construction Costs incurred in
connection with such Construction Force Majeure Event, to uses permitted by this
Agreement (and which are not otherwise included in clause (i) of this sentence).
In addition, but subject to the Construction Agent's purchase right under
Section 5.5 and the Construction Agent's right to remarket pursuant to Section
5.7, the Lessor may satisfy the foregoing obligation by a sale of the Leased
Property and the proceeds derived from any such sale, net of all sale costs,
closing costs and carrying costs (including, without limitation, amounts
expended by the Agent or any Funding Party to insure, protect, maintain or
operate the Leased Property, sales, transfer and real property taxes, brokers'
fees, legal fees, the insurance costs, interest and Yield, and survey costs),
shall be distributed first, to Lessor in the amount of the Permitted Lease
Balance to the extent not previously paid by the Construction Agent, second, to
the extent the Construction Agent has paid to the Lessor the Permitted Lease
Balance, to the Construction Agent to reimburse it to the extent of its payment
of the Permitted Lease Balance, but if no such payment was made, to the Lessor,
and third to the Lessor. The Lessor shall have

                                       17

<PAGE>

all the rights and remedies afforded Lessor by Applicable Law and the Operative
Documents. Upon payment to Lessor of the Lease Balance and any other amounts
owing hereunder, Lessor shall convey the Leased Property to Construction Agent
as though Construction Agent had exercised the purchase option under Section 5.5
hereof. If the Construction Agent does not purchase the Property or exercise the
Construction Default Remarketing Option pursuant to Section 5.7, it shall return
the Leased Property to the Lessor within ten (10) Business Days of the
declaration of the Construction Agency Event of Default in accordance with
Section 5.6 hereof.

         (c)      If a Construction Agency Event of Default shall have occurred
and be continuing under Section 5.1(d) (as the result of an Event of Default
under paragraph (l) of Article VII of the Lease if such event occurs as a result
of a hostile takeover), then the Lessor shall have the right to terminate this
Agreement by giving the Construction Agent written notice of such termination,
and upon the giving of such notice, all rights and all obligations of the
Construction Agent under this Agreement shall cease, except for such rights and
obligations as by their terms are to continue beyond such termination, including
Section 5.6(f) hereof, and Lessor shall have the right to require Construction
Agent to return the Leased Property in accordance with Section 5.6 hereof,
provided that the Construction Agent shall have no obligation to pay the
Construction Failure Payment.

         (d)      No failure to exercise and no delay in exercising, on the part
of the Lessor any right, remedy, power or privilege under this Agreement or
under the other Operative Documents shall operate as a waiver thereof; nor shall
any single or partial exercise of any right, remedy, power or privilege under
this Agreement preclude any other or further exercise thereof or the exercise of
any other right, remedy, power or privilege. The rights, remedies, powers and
privileges provided in this Agreement and in the other Operative Documents are
cumulative and not exclusive of any rights, remedies, powers and privileges
provided by law.

         5.4.     Limitation on Construction Agent's Recourse Liability. Subject
to the last sentence of this Section 5.4 and the last sentence of Section 3.2,
notwithstanding anything contained herein or in any other Operative Document to
the contrary, upon the occurrence and during the continuance of a Construction
Agency Event of Default with respect to any Leased Property described in Section
5.1(b), 5.1(c), 5.1(d) (other than an Event of Default under paragraph (f) or
(g) of Article XII of the Lease) or 5.1(e), the aggregate maximum recourse
liability of the Construction Agent with respect to such default to the Lessor
or any Person claiming by, through or under the Lessor under the Operative
Documents, shall be limited to the Construction Failure Payment for such Leased
Property. The Construction Agent nonetheless acknowledges and agrees that (i)
the Lessor shall be entitled to recover from the applicable Leased Property
(including through any reletting and/or sale of such Leased Property or any
portion thereof) the entire outstanding Permitted Lease Balance of such Leased
Property (and, to the extent sales proceeds exceed the Permitted Lease Balance,
amounts in excess of the Permitted Lease Balance as provided in Section 5.3(a)
and (b) and Section 5.7(g)), all accrued and unpaid

                                       18

<PAGE>

interest, accrued Yield and other amounts then due and owing to the Lessor under
the Operative Documents and all other costs and expenses of the Lessor incurred
in connection with such Leased Property (including without limitation, any costs
incurred in connection with the construction of the Building(s) and other
improvements and/or any reletting or sale of such Leased Property or any portion
thereof) from and after the date of such return and (ii) the foregoing recourse
limitations are exclusive of any amounts due and owing under Article III hereof.
If a Construction Agency Event of Default occurs due to the fraud,
misapplication of funds, illegal acts or wilful misconduct on the part of the
Construction Agent or any event described in paragraph (f) or (g) of Article XII
of the Lease, the Construction Agent shall be obligated to pay the Permitted
Lease Balance as set forth herein.

         5.5.     Construction Agent's Right to Purchase. If a Construction
Agency Event of Default hereunder relates only to a specific Leased Property or
specific Leased Properties but not all Leased Properties, the Construction Agent
shall have the right, at its option, to cure such Construction Agency Event of
Default by purchasing (a "Construction Purchase") such affected Leased Property
or Properties for the Leased Property Balance(s) therefor from the Lessor within
five (5) Business Days of the delivery of the notice of termination referred to
in Section 5.3 (a) or (b) in accordance with the terms and subject to the
conditions, restrictions and limitations of Section 14.5 of the Lease, in which
case no Construction Agency Event of Default shall be deemed to have occurred
hereunder for the purposes of the other Operative Documents.

         5.6.     Construction Return Procedures. In the case of any return of
any Leased Property to the Lessor pursuant to Section 3.4 or Article V hereof
(other than returns pursuant to Section 5.7 hereof)(a "Construction Return"),
the Construction Agent shall, at its cost and expense, do each of the following
on or prior to the return date specified by the Lessor in a written notice to
the Construction Agent given at least ten (10) Business Days prior thereto:

         (a)      the Construction Agent shall, on or prior to the return date,
execute and deliver to the Lessor (or to the Lessor's designee): (i) a deed with
respect to all of the interest of the Lessee and the Construction Agent in the
Leased Property containing representations and covenants of grantor to the
Lessor (or such other Person) solely regarding the absence of Liens (other than
Lessor Liens and the Liens of the Operative Documents (other than Liens in favor
of the Lessee)), (ii) an agreement granting easements and rights of way to such
Leased Property as reasonably deemed necessary by the Lessor, (iii) a bill of
sale without warranty (except as to the absence of liens other than Lessor
Liens) with respect to all of the interest of the Lessee and the Construction
Agent in all personalty and equipment financed by the Funding Parties and (iv)
an assignment of such Construction Agent's entire interest in such Leased
Property (which shall include an assignment of all such Construction Agent's
right, title and interest in and to all awards, compensation and insurance
proceeds payable in connection with any Casualty, Condemnation or Construction
Force Majeure Event affecting such Leased Property and an assignment of leases
of such Leased Property), in the case of the documents referred to in clauses

                                       19

<PAGE>

(i), (ii) and (iv) in recordable form and otherwise in conformity with local
custom and free and clear of any Liens other than Lessor Liens.

         (b)      the Construction Agent shall, on the construction return date,
pay over to the Agent (as assignee of the Lessor) any awards, compensation and
insurance previously received by the Construction Agent in connection with such
Leased Property which have not been applied in connection with the Construction,
repair or maintenance of the Leased Property except such amounts as may be
necessary to reimburse the Construction Agent for expenditures incurred in
connection with such Construction, repair or maintenance during the Construction
Term which have not been reimbursed;

         (c)      the Construction Agent shall execute and deliver to the Lessor
a statement of termination of this Agreement and each of the other Operative
Documents with respect to the affected Leased Property to be executed by the
Funding Parties and delivered to the Construction Agent;

         (d)      the Construction Agent shall, on or prior to the return date,
vacate the Leased Property and transfer possession of such Leased Property to
the Lessor or any Person designated by the Lessor, in each case by surrendering
the same into the possession of the Lessor or such Person, as the case may be,
free and clear of all Liens (other than Lessor Liens and the liens of the
Operative Documents) in compliance with all Applicable Law (including
Environmental Laws);

         (e)      on or prior to the return date, the Construction Agent shall
deliver to the Lessor or any Person designated by the Lessor copies of all
Construction Documents, permits, licenses, books and records regarding the
maintenance of such Leased Property and the Construction Agent's interest in
such Leased Property, and a current copy of the Plans and Specifications; and

         (f)      the Construction Agent shall take all actions reasonably
requested by the Lessor to fully assign to the Lessor all of its rights and
claims in, to and under, all of the Construction Documents, and all permits and
other governmental authorizations related to such Leased Property or the
Construction.

         5.7.     Option to Remarket. Notwithstanding any provisions of this
Agreement and the Operative Documents to the contrary and subject to the
fulfillment of each of the conditions set forth in this Section 5.7, the
Construction Agent shall have the option to remarket the Leased Property with
respect to which a Construction Agency Event of Default has occurred for the
Lessor or with respect to which the Lessee shall be required to pay the
Construction Failure Payment pursuant to Section 3.4 (the "Construction Default
Remarketing Option"). The Construction Agent's effective exercise and
consummation of the Construction Default Remarketing Option shall be subject to
the due and timely fulfillment of each of the following provisions, the failure
of any of which, unless waived in writing by the Lessor and the Lenders,

                                       20

<PAGE>

shall render the Construction Default Remarketing Option and the Construction
Agent's exercise thereof null and void, in which event, the Construction Agent
shall not have any rights under this Section 5.7.

         (a)      Not later than five Business Days after Lessor's service of
the notice of termination referred to in Section 5.3(a) or (b) or the Lessor's
denial of authorization to remediate any Construction Force Majeure Event under
Section 3.4, the Construction Agent shall give to the Lessor and the Agent
written notice of the Construction Agent's exercise of the Construction Default
Remarketing Option. The date of such notice shall be the "CDRO Notice Date";

         (b)      Not later than thirty (30) days after Lessor's service of the
notice of termination referred to in Section 5.3(a) or (b) or the Lessor's
denial of authorization to remediate any Construction Force Majeure Event under
Section 3.4, the Construction Agent shall deliver to the Lessor and the Agent an
environmental assessment of such Leased Property dated not earlier than
forty-five (45) days prior to the date of delivery thereof. Such environmental
assessment shall be prepared by an environmental consultant selected by the
Required Funding Parties, shall be in form, detail and substance reasonably
satisfactory to the Required Funding Parties, and shall otherwise indicate the
environmental condition of such Leased Property to be the same as described in
the related Environmental Audit.

         (c)      The Construction Agent shall promptly provide any maintenance
records relating to such Leased Property to the Lessor, the Agent and any
potential purchaser upon request, and shall otherwise do all things necessary to
deliver possession of such Leased Property to the potential purchaser. The
Construction Agent shall allow the Lessor, the Agent and any potential purchaser
access to any Leased Property for the purpose of inspecting the same.

         (d)      On the ninetieth (90th) day (such date, or such later date as
the Lessor may specify in writing, being the "CDRO Closing Date") after Lessor's
service of the notice of termination referred to in Section 5.3(a) or (b) or the
Lessor's denial of authorization to remediate any Construction Force Majeure
Event under Section 3.4, the Construction Agent shall surrender such Leased
Property in accordance with Section 5.9 hereof.

         (e)      In connection with any such sale of the Leased Property, the
Construction Agent shall provide to the purchaser all customary "seller's"
indemnities (taking into account the location and nature of the Leased
Property), representations and warranties regarding title, absence of Liens
(except Lessor Liens) and the condition of the Leased Property, including,
without limitation, an environmental indemnity. The Construction Agent shall
fulfill all of the requirements set forth in clause (b) of Section 14.5 of the
Lease (mutatis mutandis, as if Construction Agent were a Lessee, purchasing the
Leased Property in accordance with the provisions of Section 14.1 of the Lease),
and such requirements are incorporated herein by

                                       21

<PAGE>

reference. As to the Lessor, any such sale shall be made on an "as is, with all
faults" basis without representation or warranty by the Lessor, other than the
absence of Lessor Liens.

         (f)      In connection with any such sale of such Leased Property, the
Construction Agent shall pay from the proceeds of remarketing, all prorations,
credits, costs and expenses of the sale of the Leased Property, whether incurred
by the Lessor, any Lender, the Agent or the Construction Agent, including
without limitation, the cost of all title insurance, survey, environmental
report, appraisal, transfer taxes, the Lessor's and the Agent's attorneys' fees,
the Construction Agent's attorneys' fees, commissions, escrow fees, recording
fees, and all applicable documentary and other transfer taxes.

         (g)      Subject to the last sentence of Section 3.2, the Construction
Agent shall pay to the Agent immediately following the delivery of the
termination notice pursuant to Section 5.3(a) or (b) or the Lessor's denial of
authorization to remediate any Construction Force Majeure Event under Section
3.4, (or to such other Person as Agent shall notify Construction Agent in
writing, or in the case of Supplemental Rent, to the Person entitled thereto) an
amount equal to (i) in the case of the exercise of remedies under Section 5.3(a)
or a payment due under Section 3.4, the Construction Failure Payment, or (ii) in
the case of the exercise of remedies under Section 5.3(b), the Permitted Lease
Balance, in the type of funds specified in Section 3.3 of the Lease. If the
Construction Agent has exercised the Construction Default Remarketing Option,
the following additional provisions shall apply: During the period commencing on
the CDRO Notice Date, the Construction Agent shall, as nonexclusive agent for
the Lessor, use commercially reasonable efforts to sell the Lessor's interest in
the Leased Property and will attempt to obtain the highest purchase price
therefor. All such marketing of the Leased Property shall be paid from the
proceeds of remarketing. The Construction Agent promptly shall submit all bids
to the Lessor and the Agent and the Lessor and the Agent will have the right to
review the same and the right to submit any one or more bids. All bids shall be
on an all-cash basis. In no event shall such bidder be the Construction Agent or
any Subsidiary or Affiliate of the Construction Agent. The written offer must
specify the CDRO Closing Date as the closing date. If, and only if, the selling
price (net of closing costs and prorations, as reasonably estimated by the
Agent)(the "Construction Offer Price") is less than the Lease Balance at such
time, then the Lessor or the Agent may, in its sole and absolute discretion, by
notice to the Construction Agent, reject such offer to purchase, in which event
the parties will proceed according to the provisions of Section 5.8 hereof. If
neither the Lessor nor the Agent rejects such purchase offer as provided above,
the closing of such purchase of the Leased Property by such purchaser shall
occur on the CDRO Closing Date, contemporaneously with the Construction Agent's
surrender of the Leased Property in accordance with Section 5.9 hereof, and the
gross proceeds of the sale (after deduction, however, for any marketing, closing
or other costs, prorations or commissions) shall be paid directly to the Agent
(or the Lessor if the Funded Amounts have been fully paid). The Agent shall
distribute the proceeds derived from any such sale first, to the Lessor in an
amount of the difference between (i) the Permitted Lease Balance and (ii) the
amount, if any, received by the Agent pursuant to clause (i) of the first
sentence of this Section 5.7(g), second, to the extent

                                       22

<PAGE>

the Construction Agent has paid the amount due to the Agent in pursuant to
clause (i) of the first sentence of this Section 5.7(g), to the Construction
Agent to reimburse it to the extent of its payment of such amount, and third, to
the Lessor. The Construction Agent shall not have the right, power or authority
to bind the Lessor in connection with any proposed sale of the Leased Property.

         5.8.     Rejection of Sale. Notwithstanding anything contained herein
to the contrary, if the Lessor or the Agent rejects the purchase offer for any
Leased Property as provided in Section 5.7, then the Agent shall have an
appraisal done of the Leased Property by an independent third party appraiser
selected by the Agent, which appraiser shall determine the Fair Market Sales
Value of the Leased Property in the condition in which such Leased Property
exists at such time (the "Construction Appraised Value"). If (A) the
Construction Appraised Value shall be less than the Construction Offer Price or
(B) if the Construction Appraised Value shall be equal to or greater than the
Construction Offer Price, and the Lessor in its sole discretion so elects, the
Leased Property shall be sold pursuant to Section 5.7(g), and the proceeds of
such sale shall be distributed, in accordance with Section 5.7. If the
Construction Appraised Value shall be equal to or greater than the Construction
Offer Price and the Lessor shall not have elected to sell the Leased Property
pursuant to Section 5.7(g), (a) the Lessor shall refund to the Lessee the amount
by which (i) the amount paid pursuant to clause(i) of the first sentence of
Section 5.7(g) exceeds (ii) the amount by which (A) the Permitted Lease Balance
exceeds (B) the Construction Appraised Value, and (b) the Lessor shall retain
title to the Leased Property and shall retain all proceeds with respect to the
Leased Property, free and clear of all claims of the Lessee and the Construction
Agent.

         5.9.     Return of Leased Property. If the Lessor retains title to any
Leased Property pursuant to Section 5.8 hereof, then the Construction Agent
shall, on the CDRO Closing Date for such Leased Property (or such later date on
which the Lessor shall elect not to sell the Leased Property pursuant to Section
5.7), and at its own expense, return possession of such Leased Property to the
Lessor for retention by the Lessor and shall do all things required under
Section 5.6 or, if the Construction Agent properly exercises the Construction
Default Remarketing Option and fulfills all of the conditions of Section 5.7
hereof and neither the Lessor nor the Agent rejects such purchase offer pursuant
to Section 5.7, then the Construction Agent shall, on such CDRO Closing Date,
and at its own cost, transfer possession of the Leased Property to the
independent purchaser thereof, in each case by surrendering the same into the
possession of the Lessor or such purchaser, as the case may be, free and clear
of all Liens other than Lessor Liens, in as good condition as it was on the CDRO
Notice Date, and in compliance in all material respects with Applicable Law and
deliver to the independent purchaser thereof the documents described in clauses
(i) through (iii) of Section 5.6(a). In the case of a sale under Section 5.7,
the Construction Agent shall, on and within a reasonable time before and after
the CDRO Closing Date, cooperate with the Lessor and the independent purchaser
of such Leased Property in order to facilitate the ownership and operation by
such purchaser of such Leased Property after the CDRO Closing Date, which
cooperation shall include the following, all of which the

                                       23

<PAGE>

Construction Agent shall do on or before the CDRO Closing Date or as soon
thereafter as is reasonably practicable: providing all books and records,
including copies of all Construction Documents, regarding the construction,
maintenance and ownership of such Leased Property and all know-how, data and
technical information relating thereto, providing a copy of the Plans and
Specifications, granting or assigning all permits and licenses (to the extent
assignable) necessary for the construction, operation and maintenance of such
Leased Property, and cooperating in seeking and obtaining all necessary
Governmental Action and taking all action necessary to fully assign and transfer
all of its rights, claims and causes of action under all of the Construction
Documents (including, without limitation, obtaining all necessary consents to
such assignments). The obligations of the Construction Agent under this Section
5.9 shall survive the expiration or termination of this Agreement.

                                   ARTICLE VI

                           NO CONSTRUCTION AGENCY FEE

         6.1.     Lease as Fulfillment of Lessor's Obligations. All obligations,
duties and requirements imposed upon or allocated to the Construction Agent
shall be performed by the Construction Agent at the Construction's Agent's sole
cost and expense, and the Construction Agent will not be entitled to, and the
Lessor shall not have any obligation to pay, any agency fee or other fee or
compensation, and the Construction Agent shall not be entitled to, and the
Lessor shall not have any obligation to make or pay, any reimbursement therefor,
it being understood that this Agreement is being entered into as consideration
for and as an inducement to the Lessor entering into the Lease and the other
Operative Documents.

                                   ARTICLE VII

                  LESSOR'S RIGHTS; CONSTRUCTION AGENT'S RIGHTS

         7.1.     Exercise of the Lessor's Rights. The Construction Agent hereby
acknowledges and agrees that the rights and powers of the Lessor under this
Agreement have been assigned to, and may be exercised by, the Agent.

         7.2.     Lessor's Right to Cure Construction Agent's Defaults. The
Lessor, without waiving or releasing any obligation or Construction Agency Event
of Default, may, upon prior written notice to the Construction Agent (but shall
be under no obligation to), remedy any Construction Agency Event of Default for
the account of and at the sole cost and expense of the Construction Agent. All
reasonable out of pocket costs and expenses so incurred (including actual and
reasonable fees and expenses of counsel), together with interest thereon at the
Overdue Rate from the date on which such sums or expenses are paid by the
Lessor, shall be paid by the Construction Agent to the Lessor on demand.

                                       24

<PAGE>

                                  ARTICLE VIII

                                  MISCELLANEOUS

         8.1.     Documentary Conventions. The Documentary Conventions shall
apply to this Agreement.

         8.2.     Successors and Assigns. This Agreement shall be binding upon
and inure to the benefit of the Lessor, the Construction Agent and their
respective legal representatives, successors and permitted assigns. The
Construction Agent shall not assign its rights or obligations hereunder without
the prior written consent of the Lessor and the Agent.

                                       25

<PAGE>

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

                                       CHOICEPOINT INC.

                                       By /s/ David E. Trine
                                         ---------------------------------------
                                         Name:  David E. Trine
                                              ----------------------------------
                                         Title: Treasurer
                                               ---------------------------------

                                       S-1

<PAGE>

                                       ATLANTIC FINANCIAL GROUP, LTD.

                                       By: Atlantic Financial Managers,
                                           Inc., its General Partner

                                       By /s/ Stephen S. Brookshire
                                         ---------------------------------------
                                         Name: Stephen S. Brookshire
                                              ----------------------------------
                                         Title: President
                                               ---------------------------------

                                       S-2

<PAGE>

                                                                       EXHIBIT A

                   Supplement to Construction Agency Agreement

         SUPPLEMENT to Construction Agency Agreement, dated as of
______________, 200_, between ATLANTIC FINANCIAL GROUP, LTD., a Texas limited
partnership (the "Lessor"), and CHOICEPOINT INC., a Georgia corporation (in its
capacity as construction agent, the "Construction Agent"). Capitalized terms
used but not otherwise defined herein shall have the meanings given them in the
Construction Agency Agreement.

         The Lessor and the Construction Agent are parties to that certain
Construction Agency Agreement, dated as of August 29, 2001 (as amended,
supplemented or otherwise modified, the "Construction Agency Agreement"),
pursuant to which (i) the Lessor has appointed the Construction Agent as its
sole and exclusive agent in connection with the identification and acquisition
of Land and construction of the Buildings in accordance with the Plans and
Specifications, and (ii) the Construction Agent has agreed, for the benefit of
the Lessor, to cause the construction of the Buildings to be completed in
accordance with the Plans and Specifications.

         Subject to the terms and conditions of the Construction Agency
Agreement, the Lessor and the Construction Agent desire that the terms of the
Construction Agency Agreement apply to the Land described in Schedule 1 and wish
to execute this Supplement to provide therefor.

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

         1.       The Construction Agent agrees to act as Construction Agent and
to perform its obligations under the Construction Agency Agreement in connection
with the completion of construction of the Building on the Land described in
Schedule 1 in accordance with the Plans and Specifications for such Land. The
Construction Agent hereby represents and warrants to Lessor that the
Construction Agent has heretofore delivered to Lessor a true, correct and
complete copy of the Plans and Specifications for the Building on the Land
described in Schedule 1 or, if not available on the date hereof, will deliver
such Plans and Specifications as soon as available.

         2.       Each of the Lessor and the Construction Agent acknowledges and
agrees that the development of the Land described in Schedule 1 and the
construction of the Buildings thereon shall be governed by the terms of the
Construction Agency Agreement.

                                       A-1

<PAGE>

         3.       The anticipated construction budget relating to the
construction and development of the Building on the Land described in Schedule 1
is $__________. The acquisition cost of the Land described in Schedule 1 is
$___________.

         4.       This Supplement shall, upon its execution and delivery,
constitute a part of the Construction Agency Agreement.

         IN WITNESS WHEREOF, the parties hereto have caused this Supplement to
be duly executed and delivered by their proper and duly authorized officers as
of the day and year first above written.

                                       CHOICEPOINT INC.

                                       By
                                         ---------------------------------------
                                         Name:
                                         Title:

                                       ATLANTIC FINANCIAL GROUP, LTD.

                                       By: Atlantic Financial Managers,
                                           Inc., its General Partner

                                       By
                                         ---------------------------------------
                                         Name:
                                         Title:

                                       A-2

<PAGE>

                                                        Schedule 1 to Supplement

                          Description of Land Interest<PAGE>
                                                                   EXHIBIT 10.5

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

                                 LOAN AGREEMENT

                          Dated as of August 29, 2001

                                     among

                         ATLANTIC FINANCIAL GROUP, LTD.
                            as Lessor and Borrower,

                    the financial institutions party hereto,

                                   as Lenders

                                      and

                                 SUNTRUST BANK,
                                    as Agent

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

<PAGE>

                               TABLE OF CONTENTS

<TABLE>
<CAPTION>
                                                                                                      Page
                                                                                                      ----
<S>          <C>                                                                                      <C>
SECTION 1    DEFINITIONS; INTERPRETATION.................................................................1

SECTION 2    AMOUNT AND TERMS OF COMMITMENTS; REPAYMENT AND
             PREPAYMENT OF LOANS.........................................................................1
             SECTION 2.1           Commitment............................................................1
             SECTION 2.2           Note..................................................................2
             SECTION 2.3           Scheduled Principal Repayment.........................................2
             SECTION 2.4           Interest..............................................................2
             SECTION 2.5           Allocation of Loans to Leased Properties..............................3
             SECTION 2.6           Prepayment............................................................3

SECTION 3    RECEIPT, DISTRIBUTION AND APPLICATION OF CERTAIN
             PAYMENTS IN RESPECT OF LEASE AND LEASED PROPERTY.  .........................................3

SECTION 4    THE LESSOR; EXERCISE OF REMEDIES UNDER LEASE................................................3
             SECTION 4.1           Covenant of Lessor....................................................3
             SECTION 4.2           Lessor Obligations Nonrecourse; Payment from
                                   Certain Lease Obligations and Certain Proceeds of
                                   Leased Property Only..................................................4
             SECTION 4.3           Exercise of Remedies Under the Lease..................................5

SECTION 5    LOAN EVENTS OF DEFAULT; REMEDIES............................................................6
             SECTION 5.1           Loan Events of Default................................................6
             SECTION 5.2           Remedies..............................................................7

SECTION 6    THE AGENT...................................................................................7
             SECTION 6.1           Appointment...........................................................7
             SECTION 6.2           Delegation of Duties..................................................8
             SECTION 6.3           Exculpatory Provisions................................................8
             SECTION 6.4           Reliance by Agent.....................................................8
             SECTION 6.5           Notice of Default.....................................................9
             SECTION 6.6           Non-Reliance on Agent and Other Lenders...............................9
             SECTION 6.7           Indemnification......................................................10
             SECTION 6.8           Agent in Its Individual Capacity.....................................10
             SECTION 6.9           Successor Agent......................................................10
</TABLE>

<PAGE>

<TABLE>
<S>          <C>                                                                                        <C>
SECTION 7    MISCELLANEOUS..............................................................................11
             SECTION 7.1           Documentary Conventions..............................................11
             SECTION 7.2           No Waiver; Cumulative Remedies.......................................11
             SECTION 7.3           Successors and Assigns...............................................11
             SECTION 7.4           Survival and Termination of Agreement................................11
</TABLE>

                                    EXHIBITS

EXHIBIT A         Form of Note

                                      -2-
<PAGE>

         THIS LOAN AGREEMENT (as it may be amended or modified from time to
time in accordance with the provisions hereof, this "Loan Agreement") dated as
of August 29, 2001 is among ATLANTIC FINANCIAL GROUP, LTD., a Texas limited
partnership, as lessor and borrower (the "Lessor"); SUNTRUST BANK and the other
financial institutions which are, or may, as permitted by Section 6.2(b) of the
Master Agreement, from time to time become, parties hereto as lenders (the
"Lenders") and SUNTRUST BANK, a Georgia banking corporation, as agent for the
Lenders (in such capacity, the "Agent").

                             PRELIMINARY STATEMENT

         In accordance with the terms and provisions of the Master Agreement,
the Lease, this Loan Agreement and the other Operative Documents, (i) the
Lessor contemplates acquiring the Leased Properties and leasing the Leased
Properties to the Lessees, (ii) ChoicePoint as Construction Agent for the
Lessor, wishes, in certain instances, to construct Buildings on the Land for
the Lessor and, when completed, to lease the Buildings, or to cause the
Buildings to be leased, from the Lessor as part of the Leased Properties under
the Lease, (iii) ChoicePoint wishes to obtain, and the Lessor is willing to
provide, funding for the acquisition of the Land and any Buildings thereon and,
in certain instances, the construction of the Buildings, and (iv) the Lessor
wishes to obtain, and the Lenders are willing to provide, financing of a
portion of the funding for the acquisition of the Land and any Buildings
thereon and, if applicable, the construction of the Buildings.

         In consideration of the foregoing and other good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged,
the parties hereto agree as follows:

         SECTION 1         DEFINITIONS; INTERPRETATION

         Unless the context shall otherwise require, capitalized terms used and
not defined herein shall have the meanings assigned thereto in Appendix A to
the Master Agreement dated as of August 29, 2001 (as amended, or supplemented
or otherwise modified from time to time, the "Master Agreement"), among
ChoicePoint Inc., as Guarantor, and certain Subsidiaries of ChoicePoint Inc.
that may become party thereto, as Lessees, the Lessor, the Lenders and the
Agent; and the rules of interpretation set forth in such Appendix A shall apply
to this Loan Agreement.

         SECTION 2         AMOUNT AND TERMS OF COMMITMENTS; REPAYMENT AND
PREPAYMENT OF LOANS

         SECTION 2.1       Commitment. (a) Subject to the terms and conditions
hereof and of the Master Agreement, each Lender agrees to make term loans to
the Lessor ("Loans") from time to time during the period from and including the
Initial Closing Date through the Funding Termination Date, on each Closing Date
and on each subsequent Funding Date, in the amounts

<PAGE>

required under Section 2.2 of the Master Agreement. Each such Loan shall
consist of an A Loan in the amount of such Lender's pro rata share of the
Recourse Deficiency Amount for the related Leased Property and a B Loan in the
amount of such Lender's pro rata share of the remaining principal amount of the
Loan related to such Leased Property.

         SECTION 2.2       Note. The Loans made by each Lender to the Lessor
shall be evidenced by a note of the Lessor (the "Note"), substantially in the
form of Exhibit A with appropriate insertions, duly executed by the Lessor and
payable to the order of the Agent, on behalf of the Lenders, and in a principal
amount equal to the aggregate Commitments of the Lenders (or, if less, the
aggregate unpaid principal amount of all Loans made by the Lenders to the
Lessor). The Note shall be dated the Initial Closing Date and delivered to the
Agent in accordance with Section 3.2 of the Master Agreement. The Agent is
hereby authorized to record the date and amount of each Loan made by each
Lender to the Lessor on the Note or in its records, and each Lender is hereby
authorized to record the date and amount of each Loan made by such Lender to
the Lessor in its records, but the failure by the Agent or any Lender to so
record such Loan shall not affect or impair any obligations with respect
thereto. The Note shall (i) be stated to mature no later than the final Lease
Termination Date and (ii) bear interest from the date a Loan is made on the
unpaid principal amount thereof from time to time outstanding at the applicable
interest rate per annum determined as provided in, and payable as specified in,
Section 2.4. Upon the occurrence of an Event of Default under clause (f) of
Article XII of the Lease, or upon Acceleration as described in Section 4.3(b)
hereof, the Note shall automatically become due and payable in full.

         SECTION 2.3       Scheduled Principal Repayment. On the Lease
Termination Date, the Lessor shall pay the aggregate unpaid principal amount of
all Loans as of such date.

         SECTION 2.4       Interest. (a) Each Loan related to a LIBOR Advance
shall bear interest during each Rent Period at a rate equal to the sum of (i)
the LIBOR for such Rent Period, computed using the actual number of days
elapsed and a 360 day year, plus (ii) the Applicable Margin per annum. Each
Loan related to a Base Rate Advance shall bear interest at a rate equal to the
sum of (i) the Base Rate in effect from time to time, computed using the actual
number of days elapsed and a 360 day year, plus (ii) the Applicable Margin per
annum.

         (b)      If all or a portion of the principal amount of or interest on
the Loans shall not be paid when due (whether at the stated maturity, by
acceleration or otherwise), such overdue amount shall, without limiting the
rights of the Lenders under Section 5, bear interest at the Overdue Rate, in
each case from the date of nonpayment until paid in full (after as well as
before judgment).

         (c)      Interest accruing on each Loan with respect to any Leased
Property during the Construction Term of such Leased Property shall, subject to
the limitations set forth in Section 2.3(c) of the Master Agreement, be added
to the principal amount of such Loan from

                                       2
<PAGE>

time to time. Following the date each Loan is made (or in the case of Loans
with respect to a Construction Land Interest, the Construction Term Expiration
Date), interest on such Loan shall be payable in arrears on each Payment Date
with respect thereto.

         (d)      Any change in the interest rate on the Loans resulting from a
change in the Base Rate shall become effective as of the opening of business on
the day on which such Base Rate changes as provided in the definition thereof.

         SECTION 2.5       Allocation of Loans to Leased Properties. Pursuant
to each Funding Request, each Loan shall be allocated to the Leased Property,
the cost of acquisition or construction of which the proceeds of such Loan are
used to pay. For purposes of the Operative Documents, the "related Loans" with
respect to any Leased Property or Loans "related to" any Leased Property shall
mean those Loans allocated to such Leased Property as set forth in the
foregoing sentence.

         SECTION 2.6       Prepayment. Except in conjunction with a payment by
a Lessee or the Construction Agent of the Lease Balance, a Construction Failure
Payment or a Leased Property Balance pursuant to the terms of the Lease or the
Construction Agency Agreement, the Lessor shall have no right to prepay the
Loans.

         SECTION 3         RECEIPT, DISTRIBUTION AND APPLICATION OF CERTAIN
PAYMENTS IN RESPECT OF LEASE AND LEASED PROPERTY.

         Payments of Rent, other payments made pursuant to the Operative
Documents and proceeds of the Leased Properties shall be distributed as set
forth in Section 6 of the Master Agreement.

         SECTION 4         THE LESSOR; EXERCISE OF REMEDIES UNDER LEASE

         SECTION 4.1       Covenant of Lessor. So long as any Lender's
Commitment remains in effect, any Loan remains outstanding and unpaid or any
other amount is owing to any Lender with respect to its Funding Party Balances,
subject to Section 4.2, the Lessor will promptly pay all amounts payable by it
under this Loan Agreement and the Notes issued by it in accordance with the
terms hereof and thereof and shall duly perform each of its obligations under
this Loan Agreement and the Notes. The Lessor agrees to provide to the Agent a
copy of each estoppel certificate that the Lessor proposes to deliver pursuant
to Section 17.13 of the Lease at least five (5) days prior to such delivery and
to make any corrections thereto reasonably requested by the Agent prior to such
delivery. The Lessor shall keep each Leased Property owned by it free and clear
of all Lessor Liens. The Lessor shall not reject any sale of any Leased
Property pursuant to Section 14.6 of the Lease unless all of the related Loans
have been paid in full or the Lenders consent to such rejection. In the event
that the Lenders reject any sale of any Leased Property pursuant to Section
14.6 of the Lease, the Lessor agrees to take such action as the Lenders

                                       3
<PAGE>

reasonably request to effect a sale or other disposition of such Leased
Property, provided that the Lessor shall not be required to expend its own
funds in connection with such sale or disposition. In the event that the
Construction Agent returns any Leased Property to the Lessor pursuant to
Section 5.3(a) of the Construction Agency Agreement, unless all of the related
Loans are paid in full, the Lessor agrees to take such action as the Lenders
reasonably request to complete the Construction, or to effect a sale or other
disposition, of such Leased Property, provided that the Lessor shall not be
required to expend its own funds in connection therewith. During the
Construction Term for each Leased Property, the Lessor agrees to assume
liability for, and to indemnify, protect, defend, save and hold harmless the
Agent, each Lender and each of their respective Affiliates, successors,
assigns, employees, officers and directors, on an After-Tax Basis, from and
against, any and all Claims that may be imposed on, incurred by or asserted or
threatened to be asserted against the Agent or any Lender, in any way relating
to or arising out of the circumstances described in Section 7.1 or 7.4 of the
Master Agreement, provided that the Lessor shall only be obligated to make a
payment pursuant to this sentence to the extent that the Lessor receives
payment from the Construction Agent or any other Person with respect to such
Claim.

         SECTION 4.2       Lessor Obligations Nonrecourse; Payment from Certain
Lease Obligations and Certain Proceeds of Leased Property Only. All payments to
be made by the Lessor in respect of the Loans, the Note and this Loan Agreement
shall be made only from certain payments received under the Lease, the Guaranty
Agreement, and the Construction Agency Agreement and certain proceeds of the
Leased Properties and only to the extent that the Lessor or the Agent shall
have received sufficient payments from such sources to make payments in respect
of the Loans in accordance with Section 3. Each Lender agrees that it will look
solely to such sources of payments to the extent available for distribution to
such Lender as herein provided and that neither the Lessor nor the Agent is or
shall be personally liable to any Lender for any amount payable hereunder or
under the Note. Nothing in this Loan Agreement, the Note or any other Operative
Document shall be construed as creating any liability (other than for willful
misconduct or gross negligence) of the Lessor individually to pay any sum or to
perform any covenant, either express or implied, in this Loan Agreement, the
Notes or any other Operative Documents (all such liability, if any, being
expressly waived by each Lender) and that each Lender, on behalf of itself and
its successors and assigns, agrees in the case of any liability of the Lessor
hereunder or thereunder (except for such liability attributable to its willful
misconduct or gross negligence) that it will look solely to those certain
payments received under the Lease, the Guaranty Agreement and the Construction
Agency Agreement and those certain proceeds of the Leased Properties, provided,
however, that the Lessor in its individual capacity shall in any event be
liable with respect to (i) the removal of Lessor's Liens or involving its gross
negligence or willful misconduct or (ii) failure to turn over payments the
Lessor has received in accordance with Section 3; and provided further that the
foregoing exculpation of the Lessor shall not be deemed to be exculpations of
the Guarantor, any Lessee or any other Person.

                                       4
<PAGE>

         SECTION 4.3       Exercise of Remedies Under the Lease.

         (a)      Event of Default. With respect to any Potential Event of
Default as to which notice thereof by the Lessor to ChoicePoint or a Lessee is
a requirement to cause such Potential Event of Default to become an Event of
Default, the Lessor agrees to give such notice to ChoicePoint or such Lessee
promptly upon receipt of a written request by any Lender or the Agent. The
Lessor shall not, without the prior written consent of the Required Lenders,
waive any Event of Default.

         (b)      Acceleration of Lease Balance. When an Event of Default or a
Construction Failure Event exists, the Lessor shall exercise remedies under
Article XIII of the Lease or Section 5 of the Construction Agency Agreement, as
the case may be, as directed by the Required Lenders, including, if so
directed, demanding payment in full of the Lease Balance by the Lessees (the
"Acceleration"). The Lessor shall consult with the Lenders regarding actions to
be taken in response to such Event of Default or a Construction Failure Event.
The Lessor (1) shall not, without the prior written consent of the Required
Lenders and (2) shall (subject to the provisions of this Section), if so
directed by the Required Lenders, do any of the following: commence eviction or
foreclosure proceedings, or file a lawsuit against any Lessee under the Lease,
or sell the Leased Properties, or exercise other remedies against the Lessees
or the Guarantor under the Operative Documents in respect of such Event of
Default or a Construction Failure Event; provided, however, that any payments
received by the Lessor shall be distributed in accordance with Section 6 of the
Master Agreement. Notwithstanding any such consent, direction or approval by
the Required Lenders of any such action or omission, the Lessor shall not have
any obligation to follow such direction if the same would, in the Lessor's
reasonable judgment, require the Lessor to expend its own funds or expose the
Lessor to expense, unless Required Lenders provide to the Lessor an indemnity,
in form and substance reasonably acceptable to the Lessor, for such liability,
loss or damage or unless and until the Lenders advance to the Lessor an amount
which is sufficient, in the Lessor's reasonable judgment, to cover such
liability, expense, loss or damage (excluding the Lessor's pro rata share
thereof, if any). Notwithstanding the foregoing, on and after the related
Release Date (and any application otherwise required under Section 6 of the
Master Agreement has been made): the Lenders shall have no rights to such
Leased Property or any proceeds thereof; the Lenders shall have no rights to
direct or give consent to any actions with respect to such Leased Property and
the proceeds thereof; the Lessor shall have absolute discretion (but in all
events subject to the terms of the Operative Documents) with respect to such
exercise of remedies with respect to such Leased Property, and the proceeds
thereof, including, without limitation, any foreclosure or sale of such Leased
Property; and the Lessor shall have no liability to the Lenders with respect to
the Lessor's actions or failure to take any action with respect to such Leased
Property.

                                       5
<PAGE>

         SECTION 5         LOAN EVENTS OF DEFAULT; REMEDIES

         SECTION 5.1       Loan Events of Default. Each of the following events
shall constitute a Loan Event of Default (whether any such event shall be
voluntary or involuntary or come about or be effected by operation of law or
pursuant to or in compliance with any judgment, decree or order of any court or
any order, rule or regulation of any Governmental Authority) and each such Loan
Event of Default shall continue so long as, but only as long as, it shall not
have been remedied:

                  (a)      Lessor shall fail to distribute in accordance with
         the provisions of Section 6 of the Master Agreement any amount
         received by the Lessor pursuant to any of the Operative Documents
         within two (2) Business Days of receipt thereof if and to the extent
         that the Agent or the Lenders are entitled to such amount or a portion
         thereof; or

                  (b)      the Lessor shall fail to pay to the Agent, within
         two (2) Business Days of the Lessor's receipt thereof, any amount
         which a Lessee or the Guarantor is required, pursuant to the Operative
         Documents, to pay to the Agent but erroneously pays to the Lessor; or

                  (c)      failure by the Lessor to perform in any material
         respect any other covenant or condition herein or in any other
         Operative Document to which the Lessor is a party, which failure shall
         continue unremedied for thirty (30) days after receipt by the Lessor
         of written notice thereof from the Agent or any Lender; or

                  (d)      any representation or warranty of the Lessor
         contained in any Operative Document or in any certificate required to
         be delivered thereunder shall prove to have been incorrect in a
         material respect when made and shall not have been cured within thirty
         (30) days of receipt by the Lessor of written notice thereof from the
         Agent or any Lender; or

                  (e)      the Lessor or the General Partner shall become
         bankrupt or make an assignment for the benefit of creditors or consent
         to the appointment of a trustee or receiver; or a trustee or a
         receiver shall be appointed for the Lessor or the General Partner or
         for substantially all of its property without its consent and shall
         not be dismissed or stayed within a period of ninety (90) days; or
         bankruptcy, reorganization or insolvency proceedings shall be
         instituted by or against the Lessor or the General Partner and, if
         instituted against the Lessor or the General Partner, shall not be
         dismissed or stayed for a period of ninety (90) days; or

                  (f)      any Event of Default shall occur and be continuing.

                                       6
<PAGE>

         SECTION 5.2       Remedies.

         (a)      Upon the occurrence of a Loan Event of Default hereunder, (i)
if such event is a Loan Event of Default specified in clause (e) of Section 5.1
with respect to the Lessor, automatically the Lenders' Commitments shall
terminate and the outstanding principal of, and accrued interest on, the Loans
shall be immediately due and payable, and (ii) if such event is any other Loan
Event of Default, upon written request of the Required Lenders, the Agent
shall, by notice of default to the Lessor, declare the Commitments of the
Lenders to be terminated forthwith and the outstanding principal of, and
accrued interest on, the Loans to be immediately due and payable, whereupon the
Commitments of the Lenders shall immediately terminate and the outstanding
principal of, and accrued interest on, the Loans shall become immediately due
and payable.

         (b)      When a Loan Event of Default exists, the Agent may, and upon
the written instructions of the Required Lenders shall, exercise any or all of
the rights and powers and pursue any and all of the remedies available to it
hereunder, under the Notes, the Mortgages and the Assignments of Lease and
Rents and shall have and may exercise any and all rights and remedies available
under the Uniform Commercial Code or any provision of law. When a Loan Event of
Default exists, the Agent may, and upon the written instructions of the
Required Lenders shall, have the right to exercise all rights of the Lessor
under the Lease pursuant to the terms and in the manner provided for in the
Mortgages and the Assignments of Lease and Rents.

         (c)      Except as expressly provided above, no remedy under this
Section 5.2 is intended to be exclusive, but each shall be cumulative and in
addition to any other remedy provided under this Section 5.2 or under the other
Operative Documents or otherwise available at law or in equity. The exercise by
the Agent or any Lender of any one or more of such remedies shall not preclude
the simultaneous or later exercise of any other remedy or remedies. No express
or implied waiver by the Agent or any Lender of any Loan Event of Default shall
in any way be, or be construed to be, a waiver of any future or subsequent Loan
Event of Default. The failure or delay of the Agent or any Lender in exercising
any rights granted it hereunder upon any occurrence of any of the contingencies
set forth herein shall not constitute a waiver of any such right upon the
continuation or recurrence of any such contingencies or similar contingencies
and any single or partial exercise of any particular right by the Agent or any
Lender shall not exhaust the same or constitute a waiver of any other right
provided herein.

         SECTION 6         THE AGENT

         SECTION 6.1       Appointment. Each Lender hereby irrevocably
designates and appoints the Agent as the agent of such Lender under this Loan
Agreement and the other Operative Documents, and each such Lender irrevocably
authorizes the Agent, in such capacity, to take such action on its behalf under
the provisions of this Loan Agreement and the other Operative Documents and to
exercise such powers and perform such duties as are expressly delegated to the

                                       7
<PAGE>

Agent by the terms of this Loan Agreement and the other Operative Documents,
together with such other powers as are reasonably incidental thereto.
Notwithstanding any provision to the contrary elsewhere in this Loan Agreement,
the Agent shall not have any duties or responsibilities, except those expressly
set forth herein, or any fiduciary relationship with any Lender, and no implied
covenants, functions, responsibilities, duties, obligations or liabilities
shall be read into this Loan Agreement or any other Operative Document or
otherwise exist against the Agent.

         SECTION 6.2       Delegation of Duties. The Agent may execute any of
its duties under this Loan Agreement and the other Operative Documents by or
through agents or attorneys-in-fact and shall be entitled to advice of counsel
concerning all matters pertaining to such duties. The Agent shall not be
responsible for the negligence or misconduct of any agents or attorneys-in-
fact selected by it with reasonable care.

         SECTION 6.3       Exculpatory Provisions. Neither the Agent nor any of
its officers, directors, employees, agents, attorneys-in-fact or Affiliates
shall be (a) liable for any action lawfully taken or omitted to be taken by it
or such Person under or in connection with this Loan Agreement or any other
Operative Document (except for its or such Person's own gross negligence or
willful misconduct) or (b) responsible in any manner to any of the Lenders for
any recitals, statements, representations or warranties made by the Lessor or
any Lessee or any officer thereof contained in this Loan Agreement or any other
Operative Document or in any certificate, report, statement or other document
referred to or provided for in, or received by the Agent under or in connection
with, this Loan Agreement or any other Operative Document or for the value,
validity, effectiveness, genuineness, enforceability or sufficiency of this
Loan Agreement or any other Operative Document or for any failure of the Lessor
or any Lessee to perform its obligations hereunder or thereunder. The Agent
shall not be under any obligation to any Lender to ascertain or to inquire as
to the observance or performance of any of the agreements contained in, or
conditions of, this Loan Agreement or any other Operative Document, or to
inspect the properties, books or records of the Lessor, the Guarantor or any
Lessee.

         SECTION 6.4       Reliance by Agent. The Agent shall be entitled to
rely, and shall be fully protected in relying, upon any Note, writing,
resolution, notice, consent, certificate, affidavit, letter, telecopy, telex or
teletype message, statement, order or other document or conversation believed
by it to be genuine and correct and to have been signed, sent or made by the
proper Person or Persons and upon advice and statements of legal counsel
(including, without limitation, counsel to the Lessor or any Lessee),
independent accountants and other experts selected by the Agent. The Agent may
deem and treat each Lender as the owner of its pro rata share of the Loans for
all purposes unless a written notice of assignment, negotiation or transfer
thereof shall have been filed with the Agent. The Agent shall be fully
justified in failing or refusing to take any action under this Loan Agreement
or any other Operative Document unless it shall

                                       8
<PAGE>

first receive such advice or concurrence of the Required Lenders as it deems
appropriate or it shall first be indemnified to its satisfaction by the Funding
Parties against any and all liability and expense which may be incurred by it
by reason of taking or continuing to take any such action. Subject to the
Operative Documents, the Agent shall in all cases be fully protected in acting,
or in refraining from acting, under this Loan Agreement and the other Operative
Documents in accordance with a request of the Required Lenders, and such
request and any action taken or failure to act pursuant thereto shall be
binding upon all the Lenders and all future holders of an interest in the
Notes.

         SECTION 6.5       Notice of Default. The Agent shall not be deemed to
have knowledge or notice of the occurrence of any Loan Potential Event of
Default or Loan Event of Default hereunder unless the Agent has received notice
from a Lender referring to this Loan Agreement, describing such Loan Potential
Event of Default or Loan Event of Default and stating that such notice is a
"notice of default". In the event that the Agent receives such a notice, the
Agent shall give notice thereof to the Lenders. The Agent shall take such
action, subject to the Operative Documents with respect to such Loan Potential
Event of Default or Loan Event of Default as shall be reasonably directed by
the Required Lenders; provided that unless and until the Agent shall have
received such directions, the Agent may (but shall not be obligated to) take
such action, or refrain from taking such action, with respect to such Loan
Potential Event of Default or Loan Event of Default as it shall deem advisable
in the best interests of the Lenders.

         SECTION 6.6       Non-Reliance on Agent and Other Lenders. Each Lender
expressly acknowledges that neither the Agent nor any of its officers,
directors, employees, agents, attorneys-in-fact or Affiliates has made any
representations or warranties to it and that no act by the Agent hereinafter
taken, including any review of the affairs of the Lessor, the Guarantor or any
Lessee, shall be deemed to constitute any representation or warranty by the
Agent to any Lender. Each Lender represents to the Agent that it has,
independently and without reliance upon the Agent or any other Lender, and
based on such documents and information as it has deemed appropriate, made its
own appraisal of and investigation into the business, operations, property,
financial and other condition and creditworthiness of the Lessor, the Guarantor
and each Lessee and made its own decision to make its Loans hereunder and enter
into this Loan Agreement. Each Lender also represents that it will,
independently and without reliance upon the Agent or any other Lender, and
based on such documents and information as it shall deem appropriate at the
time, continue to make its own credit analysis, appraisals and decisions in
taking or not taking action under this Loan Agreement and the other Operative
Documents, and to make such investigation as it deems necessary to inform
itself as to the business, operations, property, financial and other condition
and creditworthiness of the Lessor, the Guarantor and each Lessee. Except for
notices, reports and other documents expressly required to be furnished to the
Lenders by the Agent hereunder, the Agent shall not have any duty or
responsibility to provide any Lender with any credit or other information
concerning the business, operations, property, condition (financial or
otherwise), prospects or creditworthiness of the Lessor, the Guarantor or any
Lessee which may come into the possession of the Agent or any of its officers,
directors, employees, agents, attorneys-in-fact or Affiliates.

                                       9
<PAGE>

         SECTION 6.7       Indemnification. The Lenders agree to indemnify the
Agent in its capacity as such (to the extent not reimbursed by a Lessee and
without limiting the obligation of any Lessee to do so), ratably according to
the percentage each Lender's Commitment bears to the total Commitments of all
of the Lenders on the date on which indemnification is sought under this
Section 6.7 (or, if indemnification is sought after the date upon which the
Lenders' Commitments shall have terminated and the Loans shall have been paid
in full, ratably in accordance with the percentage that each Lender's
Commitment bears to the Commitments of all of the Lenders immediately prior to
such date), from and against any and all liabilities, obligations, losses,
damages, penalties, actions, judgments, suits, costs, expenses or disbursements
of any kind whatsoever which may at any time (including, without limitation, at
any time following the payment of the Notes) be imposed on, incurred by or
asserted against the Agent in any way relating to or arising out of, the
Commitments, this Loan Agreement, any of the other Operative Documents or any
documents contemplated by or referred to herein or therein or the transactions
contemplated hereby or thereby or any action taken or omitted by the Agent
under or in connection with any of the foregoing; provided that no Lender shall
be liable for the payment of any portion of such liabilities, obligations,
losses, damages, penalties, actions, judgments, suits, costs, expenses or
disbursements resulting solely from the Agent's gross negligence or willful
misconduct. The agreements in this Section 6.7 shall survive the payment of the
Notes and all other amounts payable hereunder.

         SECTION 6.8       Agent in Its Individual Capacity. The Agent and its
Affiliates may make loans to, accept deposits from and generally engage in any
kind of business with the Lessor, the Guarantor or any Lessee as though the
Agent were not the Agent hereunder and under the other Operative Documents.
With respect to Loans made or renewed by it, the Agent shall have the same
rights and powers under this Loan Agreement and the other Operative Documents
as any Lender and may exercise the same as though it were not the Agent, and
the terms "Lender" and "Lenders" shall include the Agent in its individual
capacity. Each Lender acknowledges that the Agent in its individual capacity
has had and continues to have other business relations and transactions with
ChoicePoint, ChoicePoint's Affiliates and the Lessor.

         SECTION 6.9       Successor Agent. The Agent may resign as Agent upon
20 days' notice to the Lenders effective upon the appointment of a successor
agent. If the Agent shall resign as Agent under this Loan Agreement and the
other Operative Documents, then the Required Lenders shall appoint a successor
agent for the Lenders, which successor agent shall be a commercial bank
organized under the laws of the United States of America or any State thereof
or under the laws of another country which is doing business in the United
States of America and having a combined capital, surplus and undivided profits
of at least $100,000,000, whereupon such successor agent shall succeed to the
rights, powers and duties of the Agent, and the term "Agent" shall mean such
successor agent effective upon such appointment and approval, and the former
Agent's rights, powers and duties as Agent shall be terminated, without any
other or further act or deed on the part of such former Agent or any of the
parties to this Loan Agreement or any holders of the Notes. After any retiring
Agent's resignation as Agent, all of the provisions

                                      10
<PAGE>

of this Section 6 shall inure to its benefit as to any actions taken or omitted
to be taken by it while it was Agent under this Loan Agreement and the other
Operative Documents.

         SECTION 7         MISCELLANEOUS

         SECTION 7.1       Documentary Conventions The Documentary Conventions
shall apply to this Loan Agreement.

         SECTION 7.2       No Waiver; Cumulative Remedies. No failure to
exercise and no delay in exercising, on the part of the Agent or any Lender,
any right, remedy, power or privilege hereunder, shall operate as a waiver
thereof; nor shall any single or partial exercise of any right, remedy, power
or privilege hereunder preclude any other or further exercise thereof or the
exercise of any other right, remedy, power or privilege. The rights, remedies,
powers and privileges herein provided are cumulative and not exclusive of any
rights, remedies, powers and privileges provided by law.

         SECTION 7.3       Successors and Assigns. This Loan Agreement shall be
binding upon and inure to the benefit of the Lessor, the Agent, the Lenders,
all future holders of an interest in the Notes and their respective successors
and permitted assigns.

         SECTION 7.4       Survival and Termination of Agreement. All
covenants, agreements, representations and warranties made herein and in any
certificate, document or statement delivered pursuant hereto or in connection
herewith shall survive the execution and delivery of this Loan Agreement, and
the Notes and shall continue in full force and effect so long as any Note or
any amount payable to any Lender under or in connection with this Loan
Agreement or the Notes is unpaid, at which time this Loan Agreement shall
terminate.

                                      11
<PAGE>

         IN WITNESS THEREOF, the parties hereto have caused this Loan Agreement
to be duly executed and delivered by their proper and duly authorized officers
as of the day and year first above written.

                                    SUNTRUST BANK, as Agent

                                    By: /s/ Daniel S. Komitor
                                       ----------------------------------------
                                       Name: Daniel S. Komitor
                                            -----------------------------------
                                       Title: Director
                                             ----------------------------------

                                      S-1
<PAGE>

                                    ATLANTIC FINANCIAL GROUP, LTD., as
                                    Lessor and Borrower

                                    By:  Atlantic Financial Managers, Inc.,
                                         its General Partner

                                         By: /s/ Stephen Brookshire
                                            -----------------------------------
                                            Name: Stephen Brookshire
                                            Title: President

                                      S-2
<PAGE>

                                    SUNTRUST BANK,
                                    as a Lender

                                    By: /s/ Daniel S. Komitor
                                       ----------------------------------------
                                       Name: Daniel S. Komitor
                                            -----------------------------------
                                       Title: Director
                                             ----------------------------------

                                      S-3
<PAGE>

                                    FLEET NATIONAL BANK,
                                    as a Lender

                                    By:   /s/ John B. Desmond
                                       ----------------------------------------
                                       Name:  John B. Desmond
                                            -----------------------------------
                                       Title: Director
                                             ----------------------------------

                                      S-4
<PAGE>

                                    BNP PARIBAS,
                                    as a Lender

                                    By: /s/ Mike Shryock
                                       ----------------------------------------
                                       Name: Mike Shryock
                                            -----------------------------------
                                       Title: Vice President
                                             ----------------------------------

                                    By: /s/ Aurora Abella
                                       ----------------------------------------
                                       Name: Aurora Abella
                                            -----------------------------------
                                       Title: Vice President
                                             ----------------------------------

                                      S-5

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00031-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00031-of-00352.parquet"}]]