Document:

EXHIBIT 10.6

                      SECOND AMENDMENT TO REVOLVING CREDIT,
                        TERM LOAN AND SECURITY AGREEMENT
                      -------------------------------------

      THIS SECOND AMENDMENT TO REVOLVING CREDIT, TERM LOAN AND SECURITY
AGREEMENT (this "Amendment") is made as of October ___, 1999, among RICHTON
INTERNATIONAL CORPORATION, a Delaware corporation ("Richton"), CENTURY SUPPLY
CORP., a Michigan corporation ("Century"), and CBE TECHNOLOGIES, INC., a
Delaware corporation ("CBE") (collectively, the "Borrowers" and individually a
"Borrower"), Required Lenders (as defined in the Credit Agreement described
below) and PNC BANK, NATIONAL ASSOCIATION, a national banking association
("PNC"), as a Lender (as defined below) and as agent for the Lenders (in such
capacity, the "Agent").

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

      A. Pursuant to the Revolving Credit, Term Loan and Security Agreement
dated as of May 17, 1999, as amended by the Amendment to Revolving Credit, Term
Loan and Security Agreement dated as of July 9, 1999 (as further amended,
supplemented or modified from time to time, the "Credit Agreement"), by and
among Borrowers, the financial institutions which are now or which hereafter
become a party thereto (collectively, the "Lenders" and individually a "Lender")
and Agent, as agent for the Lenders, the Lenders agreed to make revolving credit
and term loans to Borrowers upon the terms and conditions set forth therein.

      B. CBE desires to acquire substantially all of the assets of Corporate
Access, Inc. in a Permitted Acquisition (as defined in the Credit Agreement),
and has requested that Required Lenders permit such acquisition even though the
purchase price thereof exceeds the maximum amount for a single Permitted
Acquisition as set forth in the Credit Agreement.

      C. Borrowers have requested that a $2,000,000 letter of credit subfacility
(the "LC Subfacility") be established as part of the existing revolving credit
facility pursuant to which Agent will issue or cause to be issued standby
letters of credit for their benefit.

      D. CBE has requested that it be permitted to establish a $1,500,000
wholesale financing facility (the "Deutsche Facility") with Deutsche Financial
Services Corporation, secured only by a stand-by letter of credit, to finance
its acquisition of Inventory (as defined in the Credit Agreement) acquired from
certain vendors approved by Deutsche Financial Services Corporation.

      E. Agent and Required Lenders have agreed to permit (1) the acquisition of
substantially all of the assets of Corporate Access, Inc. by CBE even though the
purchase price thereof exceeds the maximum amount for a single Permitted
Acquisition as set forth in the Credit Agreement, provided that such acquisition
otherwise meets the requirements for a Permitted Acquisition, (2) the
establishment of the LC Subfacility as part of the existing revolving credit
facility, and (3) the establishment of the Deutsche Facility, all upon the terms
and subject to the conditions set forth herein.

      NOW, THEREFORE, in consideration of the premises and for other good and
valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, Borrowers, Agent and Required Lenders agree as follows:

      1. Capitalized terms used in this Amendment shall have the same meanings
given them in the Credit Agreement, unless otherwise defined herein.

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      2. The following definitions in Section 1.2 of the Credit Agreement are
hereby amended to read as follows:

            "'Advances' shall mean and include the Revolving Advances, the Term
      Loan and Letters of Credit."

            "'CBE Formula Amount' shall mean, at any time, an amount equal to
      the sum of (i) the Receivables Advance Rate at such time times the
      Eligible Receivables of CBE at such time, plus (ii) the lesser of (A) the
      Inventory Advance Rate at such time times the value of the Eligible
      Inventory of CBE at such time, or (B) one million dollars ($1,000,000),
      minus (iii) the aggregate amount of outstanding Letters of Credit issued
      for the account of CBE at such time, minus (iv) such reserves with respect
      to CBE as Agent may reasonably and in good faith deem proper and necessary
      from time to time."

            "'Century Formula Amount' shall mean, at any time, an amount equal
      to the sum of (i) the Receivables Advance Rate at such time times the
      aggregate Eligible Receivables of Century at such time, plus (ii) the
      lesser of (A) the Inventory Advance Rate at such time times the aggregate
      value of the Eligible Inventory of Century at such time, or (B) the
      difference between (1) twenty million dollars ($20,000,000) and (2) the
      applicable amount at such time under clause (ii) of the definition of "CBE
      Formula Amount" in this Section 1.2 (up to a maximum of one million
      dollars ($1,000,000)), plus (iii) solely during the Seasonal Advance
      Period, an additional amount equal to the Maximum Seasonal Advance Amount,
      minus (iv) the aggregate amount of outstanding Letters of Credit issued
      for the account of Century at such time, minus (v) such reserves with
      respect to Century as Agent may reasonably and in good faith deem proper
      and necessary from time to time."

            "'Earnings Before Interest and Taxes' shall mean for any period the
      sum of (i) the net income (or loss) of Richton and its Subsidiaries on a
      consolidated basis for such period, plus (ii) the interest expense of, and
      Letter of Credit Fees paid by, Richton and its Subsidiaries on a
      consolidated basis for such period, plus (iii) the charges against income
      of Richton and its Subsidiaries on a consolidated basis for such period
      for federal, state and local taxes actually paid and/or accrued."

            "'Leverage Ratio' shall mean and include, as of the end of each
      fiscal quarter of Borrowers, the ratio of (a) the average outstanding
      principal amount of all Advances (excluding the undrawn face amount of
      outstanding Letters of Credit) during the fiscal quarter of Borrowers then
      ended, to (b) EBITDA for the period of four (4) consecutive fiscal
      quarters of Borrowers then ended."

            "'Obligations' shall mean and include any and all of Borrowers'
      obligations and/or liabilities to Agent or Lenders of every kind, nature
      and description, direct or indirect, secured or unsecured, joint, several,
      joint and several, absolute or contingent, due or to become due, now
      existing or hereafter arising, contractual or tortious, liquidated or
      unliquidated, whether direct or indirect (including, without limitation,
      any interest accruing thereon after maturity, or after the filing of any
      petition in bankruptcy, or the commencement of any insolvency,
      reorganization or like proceeding relating to any Borrower, whether or not
      a claim for post-petition or post-filing interest is allowed in such
      proceeding), whether arising out of Letters of Credit, out of overdrafts
      on deposit or other accounts or electronic funds transfers (whether
      through automated clearinghouses or otherwise) or out of Agent's or any
      Lender's non-receipt

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      of or inability to collect funds or otherwise not being made whole in
      connection with depository transfer check or other similar arrangements,
      in any case arising under this Agreement or any Other Document, including,
      without limitation, those arising under the Interest Rate Protection
      Agreement or any other present or future interest, currency or equity
      swap, future, option or other similar agreement or arrangement."

            "'Other Documents' shall mean the Notes, the Subordination
      Agreement, the Guaranty, the Guarantor Security Agreement, the Letters of
      Credit, the Letter of Credit Applications, the Interest Rate Protection
      Agreement, any other present or future interest, currency or equity swap,
      future, option or other similar agreement or arrangement, any lock-box,
      blocked account or similar agreement relating to the Blocked Accounts, and
      any and all other agreements, instruments and documents, including,
      without limitation, guaranties, pledges, powers of attorney, consents, and
      all other documents or agreements heretofore, now or hereafter executed by
      any Borrower or Guarantor and/or delivered to Agent or any Lender in
      respect of the Transactions."

            "'Revolving Advances' shall mean Advances made other than the Term
      Loan and Letters of Credit."

      3. Section 1.2 of the Credit Agreement is hereby amended to add the
following new definitions:

            "'CAI Agreement' shall mean the Asset Purchase Agreement dated
      October ___, 1999, among Corporate Access, Inc., Condor Technology
      Solutions, Inc., Richton and CBE."

            "'Deutsche Agreement' shall mean the Agreement for Wholesale
      Financing dated as of October ___, 1999, between Deutsche Financial
      Services Corporation and CBE."

            "'Issuer' shall mean any Person who issues a Letter of Credit
      pursuant to the terms hereof."

            "'Letter of Credit Application' shall have the meaning set forth in
      Section 2.15 hereof."

            "'Letter of Credit Fees' shall have the meaning set forth in Section
      3.11 hereof."

            "'Letters of Credit' shall have the meaning set forth in Section
      2.14 hereof."

      4. Section 2.1(a) of the Credit Agreement is hereby amended to read in its
entirety as follows:

            2.1 (a) Revolving Advances. Subject to the terms and conditions set
      forth in this Agreement, each Lender, severally and not jointly, will make
      Revolving Advances to Borrowers in aggregate amounts outstanding at any
      time equal to such Lender's Commitment Percentage of the lesser of (x) the
      Maximum Revolving Advance Amount less the aggregate amount of outstanding
      Letters of Credit and all unreimbursed payments or disbursements made by
      Issuer under all Letters of Credit, or (y) an amount equal to the sum of:

                  (i) up to eighty-five percent (85%), subject to the provisions
            of Section 2.1(b) hereof ("Receivables Advance Rate"), of Eligible
            Receivables of all Borrowers at such time, plus

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                  (ii) up to the lesser of (A) sixty percent (60%), subject to
            the provisions of Section 2.1(b) hereof ("Inventory Advance Rate"),
            of the value of the Eligible Inventory of all Borrowers at such time
            or (B) twenty million dollars ($20,000,000) in the aggregate at any
            one time, plus

                  (iii) solely during the Seasonal Advance Period, an additional
            amount equal to the Maximum Seasonal Advance Amount (provided that
            the amount referred to in this Section 2.1(a)(y)(iii) (A) may only
            be advanced to Century and (B) may not be advanced at the beginning
            of any Seasonal Advance Period prior to receipt by Agent of the
            preliminary monthly unaudited financial statements for December of
            the prior fiscal year of Borrowers to enable Agent to preliminarily
            determine compliance with Sections 6.10 and 6.11 hereof), minus

                  (iv) the aggregate amount of outstanding Letters of Credit,
            minus

                  (v) such reserves as Agent may reasonably and in good faith
            deem proper and necessary from time to time.

      The amount derived from the sum of (x) Sections 2.1(a)(y)(i), (ii) and
(iii) hereof, minus (y) Sections 2.1(a)(y)(iv) and (v) hereof at any time and
from time to time shall be referred to as the "Aggregate Formula Amount". The
Revolving Advances shall be evidenced by the promissory note ("Revolving Credit
Note") substantially in the form attached hereto as Exhibit 2.1(a).

      Notwithstanding the foregoing, in no event shall the aggregate balance of
outstanding Revolving Advances to any Borrower exceed the amount set forth in
Section 2.4 hereof.

      5. Section 2.10(a) of the Credit Agreement is hereby amended to read in
its entirety as follows:

            "(a) In the event that the aggregate balance of Revolving Advances
      outstanding at any time exceeds the lesser of (a) the Aggregate Formula
      Amount at such time, or (b) the Maximum Revolving Advance Amount, less the
      aggregate amount of outstanding Letters of Credit and all unreimbursed
      payments or disbursements made by Issuer under all Letters of Credit at
      such time, the excess amount of Revolving Advances shall be immediately
      due and payable as a mandatory prepayment without the necessity of any
      demand, at the Payment Office, whether or not a Default or Event of
      Default has occurred. In the Event that the aggregate balance of Revolving
      Advances outstanding to (i) Century at any time exceeds the Century
      Formula Amount at such time, or (ii) CBE at any time exceeds the CBE
      Formula Amount at such time, the excess amount of Revolving Advances shall
      be immediately due and payable by the appropriate Borrower(s) as a
      mandatory prepayment without the necessity of any demand, at the Payment
      Office, whether or not a Default or Event of Default has occurred. In the
      event there is an excess amount as described above, any Borrower required
      to make a prepayment may, to the extent there are outstanding Letters of
      Credit issued for its account at such time, reduce such excess by (1)
      replacing such outstanding Letters of Credit, and/or (2) depositing cash
      in a cash collateral account with Agent on terms and conditions
      satisfactory to Agent as cash collateral for the liability of Issuer and
      Lenders (whether direct or contingent) under such outstanding Letters of
      Credit."

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<PAGE>

      6. New Sections 2.14, 2.15 and 2.16 are hereby added to the Credit
Agreement to read in their entireties as follows:

            "2.14 Letters of Credit. Subject to the terms and conditions hereof,
      Agent shall issue or cause the issuance, for the account of a Borrower, of
      irrevocable standby letters of credit denominated in Dollars issued to
      support obligations of such Borrower in the ordinary course of its
      business (the "Letters of Credit"); provided, however, that Agent will not
      be required to issue or cause to be issued any Letter of Credit to the
      extent that the issuance of such Letter of Credit would result in a breach
      of Section 2.4 hereof or a requirement for a mandatory prepayment under
      Section 2.10(a) hereof. The maximum amount of all outstanding Letters of
      Credit shall not exceed two million dollars ($2,000,000) in the aggregate
      at any time. All disbursements or payments related to Letters of Credit
      shall be deemed to be Domestic Rate Loans consisting of Revolving Advances
      and shall bear interest at the Revolving Interest Rate for Domestic Rate
      Loans. Letters of Credit that have not been drawn upon shall not bear
      interest (although they will be subject to the fees set forth in Section
      3.11 hereof)."

            "2.15 Issuance of Letters of Credit.

            (a) Borrowing Agent, on behalf of a Borrower, may request Agent to
      issue or cause the issuance of a Letter of Credit for the account of such
      Borrower by delivering to Agent at the Payment Office, Issuer's form of
      Letter of Credit Application (the "Letter of Credit Application")
      completed to the satisfaction of Issuer, and such other certificates,
      documents and other papers and information as Agent may reasonably
      request.

            (b) Each Letter of Credit shall, among other things, (i) be in a
      form customarily used by Issuer or in such other form as has been approved
      by Issuer, and (ii) have an expiry date not later than one (1) year after
      such Letter of Credit's date of issuance and in no event later than one
      (1) month prior to the last day of the Term. Each Letter of Credit shall
      be subject to the Uniform Customs and Practice for Documentary Credits
      (1993 Revision), International Chamber of Commerce Publication No. 500,
      and any amendments or revision thereof adhered to by Issuer and, to the
      extent not inconsistent therewith, the laws of the State of New York.

            (c) Agent shall use its reasonable efforts to notify Lenders of the
      request by Borrowing Agent for a Letter of Credit hereunder."

            "2.16 Requirements For Issuance of Letters of Credit.

            (a) In connection with the issuance of any Letter of Credit,
      Borrowers shall jointly and severally indemnify, save and hold Agent and
      each Lender and each Issuer harmless from any loss, cost, expense or
      liability, including, without limitation, payments made by Agent or any
      Lender, and expenses and reasonable attorneys' fees incurred by Agent or
      any Lender arising out of, or in connection with, any Letter of Credit to
      be issued for a Borrower, except to the extent due to Agent's, a Lenders
      or an Issuer's gross negligence or willful misconduct. Borrowers shall be
      bound by Agent's or any Issuer's policies and good faith interpretations
      of any Letter of Credit issued for the account of a Borrower, although
      this interpretation may be different from their own; and, neither Agent,
      nor any Lender, nor any Issuer nor any of their correspondents shall be
      liable for any error, negligence, or mistakes, whether of omission or
      commission, in following a Borrower's instructions or those contained in
      any Letter of Credit

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<PAGE>

      or of any modifications, amendments or supplements thereto or in issuing
      or paying any Letter of Credit, except for Agent's, any Lender's, any
      Issuer's or such correspondents' gross negligence or willful misconduct.

            (b) Borrowing Agent, on behalf of a Borrower, shall authorize and
      direct any Issuer to name Century or CBE, as the case may be, as the
      "Applicant" or "Account Party" of each Letter of Credit. If Agent is not
      the Issuer of any Letter of Credit, Borrowing Agent, on behalf of a
      Borrower, shall authorize and direct Issuer to deliver to Agent all
      instruments, documents, and other writings and property received by Issuer
      pursuant to the Letter of Credit and to accept and rely upon Agent's
      instructions and agreements with respect to all matters arising in
      connection with the Letter of Credit, the application therefor or any
      acceptance thereof.

            (c) In connection with all Letters of Credit issued or caused to be
      issued by Agent under this Agreement, each Borrower hereby appoints Agent,
      or its designee, as its attorney, with full power and authority if an
      Event of Default shall have occurred and be continuing, (i) to sign and/or
      endorse such Borrower's name upon any warehouse or other receipts, letter
      of credit applications and acceptances; (ii) to sign such Borrower's name
      on bills of lading; (iii) to clear Inventory through the United States of
      America Customs Department ("Customs") in the name of such Borrower or
      Agent or Agent's designee, and to sign and deliver to Customs officials
      powers of attorney in the name of such Borrower for such purpose; and (iv)
      to complete in such Borrower's name or Agent's, or in the name of Agent's
      designee, any order, sale or transaction, obtain the necessary documents
      in connection therewith, and collect the proceeds thereof. Neither Agent
      nor its attorneys will be liable for any acts or omissions nor for any
      error of judgment or mistakes of fact or law, except for Agent's or its
      attorney's gross negligence or willful misconduct. This power, being
      coupled with an interest, is irrevocable as long as any Letters of Credit
      remain outstanding.

            (d) Without limiting the generality of Section 2.16(a) hereof,
      Borrowers jointly and severally agree to reimburse Issuer as provided in
      this Section 2.16(d), through Agent, in Dollars and in immediately
      available funds, for the amount disbursed or paid by Issuer in connection
      with any drawing under any Letter of Credit and any costs and expenses
      relating to such disbursement or payment. Agent shall have the right to
      effectuate payment of any such amount by charging Borrowers' Account or by
      making Revolving Advances as provided in Section 2.2 hereof. Issuer shall
      promptly notify Agent and Borrowing Agent in the event of any request for
      drawing under any Letter of Credit; provided, that Issuer's failure to
      give such notice shall not impair or diminish Borrowers' obligations under
      this Section 2.16(d). Each Lender shall to the extent of the percentage
      amount equal to the product of such Lender's Commitment Percentage times
      the aggregate amount of all unreimbursed reimbursement obligations arising
      from disbursements made or obligations incurred with respect to the
      Letters of Credit be deemed to have irrevocably purchased an undivided
      participation in each such unreimbursed reimbursement obligation. In the
      event that any disbursement is made by Issuer under a Letter of Credit and
      not reimbursed (whether directly, by charging Borrowers' Account or by
      making Revolving Advances as provided in Section 2.2 hereof) within two
      (2) Business Days, Agent shall promptly notify each Lender and upon
      Agent's demand each Lender shall pay to Agent such Lender's proportionate
      share of such unreimbursed disbursement together with such Lender's
      proportionate share of Agent's unreimbursed costs and expenses relating to
      such unreimbursed disbursement. Upon receipt by Agent of a repayment from
      a Borrower of any amount disbursed by Agent for which Agent had already
      been reimbursed by Lenders,

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      Agent shall deliver to each Lender that Lender's pro rata share of such
      repayment. Each Lender's participation commitment shall continue until the
      last to occur of any of the following events: (A) Agent ceases to be
      obligated to issue or cause to be issued Letters of Credit hereunder; (B)
      no Letter of Credit issued hereunder remains outstanding and unconcealed
      or (C) all Persons (other than Borrowers) have been fully reimbursed for
      all payments made under or relating to Letters of Credit.

            (e) To the extent that any provision of any Letter of Credit
      Application is inconsistent with the provisions of this Agreement,
      including, without limitation, the provisions of Sections 2.14 or 2.15
      hereof, or of this Section 2.16, the provisions of this Agreement shall
      control."

      7. Section 2.13(e) of the Credit Agreement is hereby amended to read in
its entirety as follows:

            (i) "In the event and for so long as a Defaulting Lender fails to
      cure to the reasonable satisfaction of Borrowing Agent the breach which
      caused such Lender to become a Defaulting Lender, upon the request of
      Borrowing Agent, Agent shall use its reasonable good faith efforts to
      locate a Purchasing Lender reasonably acceptable to Agent to acquire all
      of such Defaulting Lender's rights and interests under this Agreement
      (including, without limitation, all of such Defaulting Lender's
      outstanding Advances, commitments to make additional Advances and
      participating interests in Letters of Credit) upon the terms set forth in
      Section 15.3(c) hereof; provided that such Defaulting Lender shall be
      obligated to pay the fee set forth in Section 15.3(d) hereof."

      8. A new Section 3.11 is hereby added to the Credit Agreement to read in
its entirety as follows:

            "3.11 Letter of Credit Fees. Borrowers shall pay (a) to Agent, for
      the benefit of Lenders, fees for each outstanding Letter of Credit for the
      period from and excluding the date of issuance of same to and including
      the date of expiration or termination, equal to the average daily face
      amount of such Letter of Credit multiplied by one and three-quarters
      percent (1-3/4%) per annum, and (b) to Issuer, any and all fees and
      expenses as agreed upon by Issuer and Borrowing Agent in connection with
      any Letter of Credit, including, without limitation, in connection with
      the opening, amendment or renewal of any such Letter of Credit and shall
      reimburse Agent for any and all fees and expenses, if any, paid by Agent
      to Issuer (all of the foregoing fees, the "Letter of Credit Fees"). All
      Letter of Credit Fees payable hereunder shall be deemed earned in full on
      the date when the same are due and payable hereunder and shall not be
      subject to rebate or proration upon the termination of this Agreement for
      any reason."

      9. Section 7.1(a) of the Credit Agreement is hereby amended to read in its
entirety as follows:

            "(a) Enter into any merger, consolidation or other reorganization
      with or into any other Person or permit any other Person to consolidate
      with or merge with it (in each case other than a merger of one Borrower or
      of Guarantor with and into another Borrower) or acquire all or a
      substantial portion of the assets of any Person, except that Century and
      CBE may make Permitted Acquisitions provided that (i) the aggregate
      Consideration for each such Permitted Acquisition shall not exceed one
      million dollars ($1,000,000) or, in the case of the acquisition described
      in the CAI Agreement (as delivered to Agent prior to the date hereof),
      provided that such acquisition otherwise qualifies as a Permitted
      Acquisition, the aggregate Consideration for such acquisition shall not
      exceed the amount set forth in the CAI Agreement, and (ii) the

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      aggregate Consideration for all such Permitted Acquisitions (including,
      without limitation, the acquisition described in the CAI Agreement (as
      delivered to Agent prior to the date hereof), provided that such
      acquisition otherwise qualifies as a Permitted Acquisition) shall not
      exceed two million dollars ($2,000,000) during any fiscal year of
      Borrowers."

      10. Section 7.3 of the Credit Agreement is hereby amended to read in its
entirety as follows:

            "7.3 Guarantees. Become liable upon the obligations of any Person by
      assumption, endorsement or guaranty thereof or otherwise (other than to
      Lenders) except (a) as disclosed on Schedule 7.3, (b) the endorsement of
      checks in the ordinary course of business, and (c) that Richton may
      support the indemnification obligations of CBE under the CAI Agreement (as
      delivered to Agent prior to the date hereof)."

      11. Section 7.8 of the Credit Agreement is hereby amended to read in its
entirety as follows:

            "7.8 Indebtedness. Create, incur, assume or suffer to exist any
      Indebtedness for borrowed money (exclusive of trade debt) except in
      respect of (a) Indebtedness to Lenders, (b) Indebtedness incurred for
      capital expenditures permitted under Section 7.6 hereof, (c) Indebtedness
      for borrowed money to the extent permitted under Section 7.5 hereof, (d)
      existing Indebtedness set forth on Schedule 7.8, and (e) Indebtedness of
      CBE for borrowed money under the Deutsche Agreement in an aggregate
      principal amount not to exceed one million five hundred thousand dollars
      ($1,500,000) at any time outstanding."

      12. Section 11.1 of the Credit Agreement is hereby amended to add the
following after the first sentence thereof:

      "Upon the occurrence and during the continuance of any Event of Default,
      Agent shall, at the request of the Required Lenders, or may, with the
      consent of the Required Lenders, (i) direct Borrowers to pay (and
      Borrowers agree to pay upon the receipt of such notice, or upon the
      occurrence of any Event of Default specified in Section 10.7 hereof,
      Borrowers agree to pay without receipt of any notice) to Agent such
      additional amount of cash equal to the maximum aggregate amount available
      to be drawn under all Letters of Credit then outstanding, which amount
      shall be held as security for Borrowers' reimbursement obligations in
      respect of Letters of Credit then outstanding."

      13. Section 15.7 of the Credit Agreement is hereby amended to read in its
entirety as follows:

            "15.7 Survival. The obligations under Sections 2.6(d), 2.16(a),
      3.2(e), 3.8, 3.9, 3.10, 4.19(g), 14.7, 15.5, 15.9 and 15.17 hereof shall
      survive termination of this Agreement and the Other Documents and payment
      in full of the Obligations."

      14. In order to induce Required Lenders and Agent to enter into this
Amendment, Borrowers hereby represent, warrant and covenant that:

            (a) no Default or Event of Default has occurred and is continuing or
      will occur after giving effect to the transactions contemplated by this
      Amendment, the CAI Agreement or the Deutsche Agreement;

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            (b) this Amendment has been duly authorized, executed and delivered
      by each Borrower and constitutes its legal, valid and binding obligation,
      enforceable in accordance with its terms;

            (c) the Credit Agreement and each of the Other Documents, after
      giving effect to this Amendment and the transactions contemplated hereby,
      continue to be in full force and effect and to constitute the legal, valid
      and binding obligations of each Borrower that is a party thereto,
      enforceable against each such Borrower in accordance with their respective
      terms;

            (d) the representations and warranties made by each Borrower or
      Guarantor in or pursuant to the Credit Agreement or any Other Document, or
      which are contained in any certificate, document or financial or other
      statement furnished at any time under or in connection herewith or
      therewith, are each true and correct in all material respects on and as of
      the date hereof, as though made on and as of such date;

            (e) the acquisition described in the CAI Agreement constitutes a
      Permitted Acquisition;

            (f) CBE will not conduct business under the name Corporate Access,
      Inc., or any similar name unless it has given Agent thirty (30) days prior
      written notice thereof and has taken all actions reasonably requested by
      Agent (including, without limitation, executing additional UCC-1 financing
      statements) to maintain the perfection and priority of the liens granted
      to Agent, for the ratable benefit of Lenders, under the Credit Agreement;

            (g) CBE will not (i) finance more than $1,500,000 of Inventory at
      any one time pursuant to the Deutsche Agreement, (ii) secure its
      obligations under the Deutsche Agreement, other than by a Letter of Credit
      in the face amount of up to $1,500,000, or (iii) amend the Deutsche
      Agreement in any material respect without the prior written consent of the
      Required Lenders; and

            (h) prior to the date hereof, CBE has delivered to Agent true and
      correct copies of (i) the CAI Agreement (including the schedules thereto),
      all UCC and other searches conducted with respect to Corporate Access,
      Inc. in connection therewith, and all other documents relating thereto as
      have been requested by Agent, and (ii) the Deutsche Agreement, and all
      other documents relating thereto as have been requested by Agent.

      15. Borrowers acknowledge that no Inventory of CBE financed pursuant to
the Deutsche Agreement shall constitute Eligible Inventory.

      16. This Amendment shall become effective as of the date above upon
receipt by Agent of (a) six (6) copies of this Amendment executed by Borrower
and one copy of this Amendment executed by the Required Lenders, (b) six (6)
copies of the Consent of Guarantor, in the form attached hereto as Exhibit A,
executed by Guarantor, (c) one (1) copy of the fully executed CAI Agreement, and
all other documents relating thereto as have been requested by Agent, (d) one
(1) copy of the fully executed Deutsche Agreement, and all other documents
relating thereto as have been requested by Agent, (e) all documents and
instruments (including, without limitation, UCC-1 financing statements and the
other items described in the definition of "Permitted Acquisition" contained in
Section 1.2 of the Credit Agreement) necessary or desired by Agent to confirm
that the acquisition described in the CAI Agreement qualifies as a Permitted
Acquisition, (f) such other documents, instruments and certificates as Agent may
reasonably request, in form and substance reasonably satisfactory to Agent, and
(g) payment by Borrowers of all costs, expenses and disbursements incurred by
Agent in connection herewith as required under Section 15.9 of the Credit
Agreement.

      17. Borrowers hereby confirm that all liens granted on the Collateral and
the Guarantor Collateral shall continue unimpaired and in full force and effect.

                                       9
<PAGE>

      18. This Amendment may be executed in several counterparts, each of which,
when executed and delivered, shall be deemed an original, and all of which
together shall constitute one agreement. Any signature delivered by a party by
facsimile transmission shall be deemed to be an original signature hereto.

      19. This Amendment shall be governed by and construed in accordance with
the laws of the State of New York applied to contracts to be performed wholly
within the State of New York, without giving effect to the principles of
conflicts of law. This Amendment shall be binding upon and inure to the benefit
of Borrowers, Lenders, Issuer and Agent, and their respective successors and
permitted assigns.

      20. From and after the effectiveness hereof, all references to the Credit
Agreement in the Other Documents shall mean the Credit Agreement as amended and
modified by this Amendment.

      21. Except as amended and otherwise modified by this Amendment, the Credit
Agreement and the Other Documents shall remain in full force and effect in
accordance with their respective terms. Except as expressly provided herein,
this Amendment shall not constitute an amendment, waiver, consent or release
with respect to any provision of the Credit Agreement or any Other Document, a
waiver of any Default or Event of Default thereunder, or a waiver or release of
any of Agent's or any Lender's rights or remedies (all of which are hereby
reserved). Borrowers expressly ratify and confirm the waiver of jury trial and
other provisions of Section 12.3 of the Credit Agreement.

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

ATTEST:                                       RICHTON INTERNATIONAL CORPORATION

                                              By:
--------------------------------                 -------------------------------
Marshall E. Bernstein, Secretary              Name: Cornelius F. Griffin
                                              Title: Chief Financial Officer

ATTEST:                                       CENTURY SUPPLY CORP.

                                              By:
--------------------------------                 -------------------------------
Marshall E. Bernstein, Secretary              Name: Cornelius F. Griffin
                                              Title: Vice President

ATTEST:                                       CBE TECHNOLOGIES, INC.

                                              By:
--------------------------------                 -------------------------------
Marshall E. Bernstein, Secretary              Name: Cornelius F. Griffin
                                              Title: Vice President

                                       10
<PAGE>

                                              PNC BANK, NATIONAL ASSOCIATION,
                                              as Lender and as Agent

                                              By:
                                                 -------------------------------
                                              Name:  Ryan Peak
                                              Title: Vice President

                                              FLEET CAPITAL CORPORATION,
                                              as Lender

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

                                              FIRSTAR BANK, N.A.,
                                              as Lender

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

                                              IBJ WHITEHALL BUSINESS CREDIT
                                              CORPORATION, as Lender

                                              By:
                                                 -------------------------------
                                              Name:
                                              Title:EXHIBIT 10.7

                                    GUARANTY
                                    --------

      GUARANTY dated as of May 17, 1999 (as amended, supplemented or modified
from time to time, this "Guaranty") made by RICHTON HOLDING CORP., a Delaware
corporation (the "Guarantor"), in favor of PNC BANK, NATIONAL ASSOCIATION, as
Agent (in such capacity, together with any successor agent, the "Agent") for the
Lenders (as defined below), and the Lenders.

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

      WHEREAS, Richton International Corporation, a Delaware corporation,
Century Supply Corp., a Michigan corporation , and CBE Technologies, Inc., a
Delaware corporation (collectively, the "Borrowers"and individually a
"Borrower"), the lenders from time to time party thereto (the "Lenders"), and
the Agent, as agent for the Lenders, have entered into a Revolving Credit, Term
Loan and Security Agreement dated as of the date hereof (as amended,
supplemented or modified from time to time, the "Credit Agreement"), providing
for the making of Advances (as defined therein) to the Borrowers as contemplated
therein;

      WHEREAS, the obligation of the Lenders to make Advances (as defined in the
Credit Agreement) under the Credit Agreement are conditioned upon, among other
things, the execution and delivery by the Guarantor of this Guaranty and the
Guarantor Security Agreement (as defined in the Credit Agreement) to be executed
simultaneously with the execution of this Guaranty, pursuant to which, as
collateral security for the performance of its obligations hereunder, the
Guarantor pledges to the Agent, for the ratable benefit of the Lenders, all of
its right, title and interest in and to the collateral described therein;

      WHEREAS, the guarantor is a wholly-owned subsidiary of Richton and owns
all of the issued and outstanding capital stock of the other Borrowers; and

      WHEREAS, the Borrowers and the Guarantor are members of the same
consolidated group of companies and the Guarantor will obtain benefits from the
Advances made under the Credit Agreement, and, accordingly, desires to execute
this Guaranty in order to satisfy the conditions described in the preceding
paragraph and to induce the Lenders to make the Advances to the Borrowers;

      NOW, THEREFORE, in consideration of the benefits accruing to the
Guarantor, the receipt and sufficiency of which are hereby acknowledged, the
Guarantor hereby makes the following representations and warranties to the Agent
and hereby covenants and agrees with the Agent as follows:

      1. As used in this Guaranty, terms defined in the Credit Agreement are
used herein as therein defined, and the following terms shall have the following
meanings:

      2. "Bankruptcy Code" shall mean the United States Bankruptcy Code, being
Title 11 of the United States Code, as the same exists or may from time to time
hereafter be amended, modified, recodified or supplemented, together with all
rules, regulations and interpretations thereunder or related thereto.

<PAGE>

            "Material Adverse Effect" shall mean a material adverse effect on
      the condition (financial or otherwise), operations, assets, business or
      prospects of the Guarantor.

            "Maximum Guaranteed Amount" for the Guarantor shall mean an amount
      equal to 95% of the amount by which (i) the present fair saleable value of
      the Guarantor's assets exceeds (ii) the amount reasonably expected to come
      due in respect of all liabilities (including, without limitation,
      contingent liabilities) other than contingent liabilities of the Guarantor
      hereunder, determined on the day that the initial advances are made under
      the Credit Agreement or on the day any demand is made under this Guaranty,
      whichever date results in a higher Maximum Guaranteed Amount.

            (a) The Guarantor hereby unconditionally and irrevocably guarantees
      to the Agent, the Lenders and their respective successors, indorsees,
      transferees and assigns, the prompt and complete payment by the Borrowers
      when due (whether at the stated maturity, by acceleration or otherwise) of
      all Obligations, including, without limitation, the principal of and
      interest on the Notes issued by, and the Advances made to, the Borrowers
      under the Credit Agreement, as well as Obligations which, but for the
      automatic stay under Section 362(a) of the Bankruptcy Code, would become
      due, and the Guarantor further agrees to pay any and all reasonable
      expenses (including, without limitation, all reasonable fees and
      disbursements of counsel) which may be paid or incurred by the Agent or
      any Lender in enforcing, or obtaining advice of counsel in respect of, any
      rights with respect to, or collecting, any or all of the Obligations
      and/or enforcing any rights with respect to, or collecting against, the
      Guarantor under this Guaranty; provided, however, that the maximum
      liability of the Guarantor hereunder shall in no event exceed the
      Guarantor's Maximum Guaranteed Amount.

            (b) Additionally, the Guarantor hereby unconditionally and
      irrevocably guarantees the payment of any and all Obligations of the
      Borrowers to the Agent and the Lenders whether or not due or payable by
      the Borrowers upon the occurrence in respect of any Borrower of any of the
      events specified in Section 10.7 of the Credit Agreement, and
      unconditionally and irrevocably promises to pay such Obligations to the
      Agent and the Lenders, on demand, in lawful money of the United States.

      3. The Guarantor agrees that payments hereunder will be made on the same
basis as payments by the Borrowers under Section 2.6(d) of the Credit Agreement.

      4. The liability of the Guarantor hereunder is exclusive and independent
of any security for or other guaranty of the Obligations of the Borrowers
whether executed by the Guarantor, any other guarantor or by any other party,
and the liability of the Guarantor hereunder shall not be affected or impaired
by (a) any direction as to application of payment by any Borrower or by any
other party, (b) any other continuing or other guaranty, undertaking or maximum
liability of a guarantor or of any other party as to the Obligations of the
Borrowers, (c) any payment on or in reduction of any such other guaranty or
undertaking, (d) any dissolution, termination or increase, decrease or change in
personnel by any Borrower or (e) any payment made to the Agent or any Lender on
the Obligations which any such Person repays to any Borrower pursuant to court
order in any bankruptcy, reorganization, arrangement, moratorium or other debtor
relief proceeding, and the Guarantor waives any right to the deferral or
modification of its obligations hereunder by reason of any such proceeding. This
is a guaranty of payment and not of collection.

                                       2
<PAGE>

      5. The obligations of the Guarantor hereunder are independent of the
obligations of any other guarantor of any of the Obligations, or the Borrowers
and a separate action or actions may be brought and prosecuted against the
Guarantor whether or not action is brought against any other guarantor of any of
the Obligations or any Borrower and whether or not any other guarantor of any of
the Obligations or any Borrower be joined in any such action or actions. The
Guarantor waives, to the fullest extent permitted by law, the benefit of any
statute of limitations affecting its liability hereunder or the enforcement
thereof. Any payment by the Borrower or other circumstance which operates to
toll any statute of limitations as to the Borrowers shall operate to toll the
statute of limitations as to the Guarantor.

      6. The Guarantor hereby waives (to the fullest extent permitted by
applicable law) notice of acceptance of this Guaranty and notice of any
liability to which it may apply (including notice of the existence, creation or
incurrence of new or additional indebtedness), and waives promptness, diligence,
presentment, demand of payment, protest, notice of dishonor or nonpayment of any
such liabilities, suit or taking of other action by the Agent or any Lender
against, and any other notice to, any party liable thereon (including the
Guarantor or any other guarantor of any of the Obligations).

      7. The Agent or any Lender may (except as shall be required by applicable
statute and cannot be waived) at any time and from time to time without the
consent of, or notice to, the Guarantor, without incurring responsibility to the
Guarantor, without impairing or releasing the obligations of the Guarantor
hereunder, upon any terms or conditions and in whole or in part:

            (a) change the manner, place or terms of payment of, and/or change
      or extend the time of payment of, renew, increase, accelerate or alter,
      any of the Obligations, any security therefor, or any liability incurred
      directly or indirectly in respect thereof, in each case in accordance with
      the terms of the Credit Agreement and the Other Documents, and the
      guaranty herein made shall apply to the Obligations as so changed,
      extended, renewed or altered;

            (b) sell, exchange, release, surrender, realize upon or otherwise
      deal with in any manner and in any order any property by whomsoever at any
      time pledged or mortgaged to secure, or howsoever securing, the
      Obligations or any liabilities (including any of those hereunder) incurred
      directly or indirectly in respect thereof or hereof, and/or any offset
      thereagainst;

            (c) exercise or refrain from exercising any rights against any
      Borrower or others or otherwise act or refrain from acting;

            (d) settle or compromise any of the Obligations, any security
      therefor or any liability (including any of those hereunder) incurred
      directly or indirectly in respect thereof or hereof, and may subordinate
      the payment of all or any part thereof to the payment of any liability
      (whether due or not) of any Borrower to creditors of such Borrower;

            (e) apply any sums by whomsoever paid or howsoever realized to any
      liability or liabilities of the Borrowers to the Agent or any Lender
      regardless of what liabilities of the Borrowers remain unpaid;

            (f) consent to or waive any breach of, or any act, omission or
      default under, the Credit Agreement, any Other Document or any of the
      instruments or agreements referred to therein, or

                                       3
<PAGE>

      otherwise amend, modify or supplement the Credit Agreement, any Other
      Document or any of such other instruments or agreements; and/or

            (g) act or fail to act in any manner referred to in this Guaranty
      which may deprive the Guarantor of its right to subrogation against any
      Borrower to recover full indemnity for any payments made pursuant to this
      Guaranty.

      8. No invalidity, irregularity or unenforceability of all or any part of
the Obligations or of any security therefor shall affect, impair or be a defense
to this Guaranty, and (except to the extent, if any, as shall be required by
applicable statute and cannot be waived) this Guaranty shall be primary,
absolute and unconditional notwithstanding the occurrence of any event or the
existence of any other circumstances which might constitute a legal or equitable
discharge of a surety or guarantor, except payment in full of the Obligations.
No provision of this Guaranty shall be deemed to be a waiver by the Guarantor of
its right to assert that the Obligations have been paid in full.

      9. This Guaranty is a continuing one and all liabilities to which it
applies or may apply under the terms hereof shall be conclusively presumed to
have been created in reliance hereon. No failure or delay on the part of the
Agent or any Lender in exercising any right, power or privilege hereunder shall
operate as a waiver thereof; nor shall any single or partial exercise of any
right, power or privilege hereunder preclude any other or further exercise
thereof or the exercise of any other right, power or privilege. The rights and
remedies herein expressly specified are cumulative and not exclusive of any
rights or remedies which the Agent and the Lenders would otherwise have. No
notice to or demand on the Guarantor in any case shall entitle the Guarantor to
any other further notice or demand in similar or other circumstances or
constitute a waiver of the rights of the Agent or any Lender to any other or
further action in any circumstances without notice or demand. It is not
necessary for the Agent or any Lender to inquire into the capacity or powers of
any Borrower or the officers, directors, partners or agents acting or purporting
to act on its behalf, and any indebtedness made or created in reliance upon the
professed exercise of such powers shall be guaranteed hereunder.

      10. Any indebtedness of any Borrower now or hereafter held by the
Guarantor is hereby subordinated to the indebtedness of such Borrower to the
Agent or any Lender; and such indebtedness of such Borrower to the Guarantor, if
the Agent, after an Event of Default has occurred and is continuing, so
requests, shall be collected, enforced and received by the Guarantor as trustee
for the Agent and the Lenders and be paid over to the Agent, for the benefit of
the Lenders, on account of the indebtedness of such Borrower to the Agent and
the Lenders, but without affecting or impairing in any manner the liability of
the Guarantor under the other provisions of this Guaranty. Prior to the transfer
by the Guarantor of any note or negotiable instrument evidencing any
indebtedness of any Borrower to the Guarantor, the Guarantor shall mark such
note or negotiable instrument with a legend that the same is subject to this
subordination. Without limiting the generality of the foregoing, the Guarantor
hereby agrees with the Agent and the Lenders that it will not exercise any right
of subrogation which it may at any time otherwise have as a result of this
Guaranty (whether contractual, under Section 509 of the Bankruptcy Code or
otherwise) until all Obligations have been irrevocably paid in full in cash.

                                       4
<PAGE>

            (a) The Guarantor waives any right (except as shall be required by
      applicable statute or law and cannot be waived) to require the Agent and
      the Lenders to: (i) proceed against any Borrower, any other guarantor of
      any of the Obligations or any other party; (ii) proceed against or exhaust
      any security held from any Borrower, any other guarantor of any of the
      Obligations or any other party; or (iii) pursue any other remedy in the
      Agent's or any Lender's power whatsoever. The Guarantor waives (to the
      fullest extent permitted by applicable law) any defense based on or
      arising out of any defense of the Borrowers, any other guarantor of any of
      the Obligations or any other party other than payment in full of the
      Obligations, including, without limitation, any defense based on or
      arising out of the disability of any Borrower, any other guarantor of any
      of the Obligations or any other party, or the unenforceability of the
      Obligations or any part thereof from any cause, or the cessation from any
      cause of the liability of any Borrower other than payment in full of the
      Obligations. The Agent and the Lenders may, at their election, foreclose
      on any security held by the Agent or any Lender by one or more judicial or
      nonjudicial sales, or exercise any other right or remedy the Agent or any
      Lender may have against the Borrowers or any other party, or any security,
      without affecting or impairing in any way the liability of the Guarantor
      hereunder except to the extent the Obligations have been paid in full. The
      Guarantor waives any defense arising out of any such election by the Agent
      and the Lenders, even though such election operates to impair or
      extinguish any right of reimbursement or subrogation or other right or
      remedy of the Guarantor against the Borrowers or any other party or any
      security.

            (b) The Guarantor assumes all responsibility for being and keeping
      itself informed of each Borrower's financial condition and assets, and of
      all other circumstances bearing upon the risk of nonpayment of the
      Obligations and the nature, scope and extent of the risks which the
      Guarantor assumes and incurs hereunder, and agrees that the Agent and the
      Lenders shall have no duty to advise the Guarantor of information known to
      them regarding such circumstances or risks.

      11. The Agent and the Lenders agree that this Guaranty may be enforced
only by the action of the Agent and that no Lender shall have any right
individually to seek to enforce or to enforce this Guaranty or to realize upon
the security to be granted by the Guarantor Security Agreement, it being
understood and agreed that such rights and remedies may be exercised solely by
the Agent for the benefit of the Lenders upon the terms of this Guaranty and the
Guarantor Security Agreement.

      12. In order to induce the Lenders to make the Advances pursuant to the
Credit Agreement, the Guarantor represents, warrants and covenants that:

            (a) the Guarantor (i) is duly incorporated, validly existing and in
      good standing under the laws of the jurisdiction of its incorporation,
      (ii) has the corporate power and authority to own and operate its
      property, to lease the property it operates and to conduct the business in
      which it is currently engaged, (iii) is duly qualified as a foreign
      corporation and in good standing under the laws of each jurisdiction where
      its ownership, lease or operation of property or the conduct of its
      business requires such qualification and where the failure to be so
      qualified and in good standing could reasonably be expected to have a
      Material Adverse Effect, (iv) is not in violation of any applicable law,
      statute, rule, regulation or ordinance in any respect which could
      reasonably be expected to have a Material Adverse Effect, and (v) is not
      in violation of any order of any court, governmental authority or
      arbitration board or tribunal;

            (b) the Guarantor has the corporate power and authority to execute,
      deliver and perform each of the Other Documents to which it is a party
      (including, without limitation, this Guaranty) and

                                       5
<PAGE>

      has taken all necessary corporate action to authorize the execution,
      delivery and performance of each of the Other Documents to which it is a
      party (including, without limitation, this Guaranty);

            (c) no consent of any other Person and no consent or authorization
      of, filing with or other act by or in respect of, any Governmental Body or
      any other Person is required in connection with the execution, delivery or
      performance by the Guarantor, or the validity or enforceability of, the
      Other Documents to which the Guarantor is a party (including, without
      limitation, this Guaranty), except for consents, authorizations, filings
      or acts which have been made or obtained, as the case may be, and are in
      full force and effect;

            (d) the Other Document to which the Guarantor is a party (including,
      without limitation, this Guaranty) have been duly executed and delivered
      on behalf of the Guarantor and constitute the legal, valid and binding
      obligations of the Guarantor enforceable against the Guarantor in
      accordance with their respective terms, except as enforceability may be
      limited by applicable bankruptcy, insolvency, reorganization, moratorium
      or similar laws affecting the enforcement of creditors' rights generally
      and by general equitable principles (whether enforcement is sought by
      proceedings in equity or at law);

            (e) the execution, delivery and performance by the Guarantor of the
      Other Documents to which the Guarantor is a party (including, without
      limitation, this Guaranty) will not (i) violate any law, statute, rule,
      regulation or ordinance or any order, writ, junction or decree of any
      court, Governmental Body or arbitration board or tribunal, (ii) conflict
      or be inconsistent with or result in any breach of, any of the terms,
      covenants, conditions or provisions of, or constitute a default under, or
      (other than pursuant to the Credit Agreement or the Other Documents)
      result in the creation or imposition of (or the obligation to create or
      impose) any Lien upon any of the property or assets of the Guarantor
      pursuant to the terms of any indenture, mortgage, deed of trust, loan
      agreement, credit agreement or other material agreement or other
      instrument to which the Guarantor is a party or by which it or any of its
      property or assets is bound or to which it may be subject or (iii) violate
      any provision of the certificate of incorporation or by-laws of the
      Guarantor; and

      (f) except as disclosed in Schedule 5.8(b) to the Credit Agreement, there
      are no pending or threatened litigations, arbitrations, actions or
      proceedings relating to of affecting the Guarantor which could reasonably
      be expected to have a Material Adverse Effect.

      13. The Guarantor covenants and agrees that on and after the date hereof
and until the Obligations (other than indemnities in the Credit Agreement and
analogous provisions in the Other Documents which are not then due and payable)
have been paid in full, and the Credit Agreement has been terminated, the
Guarantor shall take, or will refrain from taking, as the case may be, all
actions that are necessary to be taken or not taken so that no violation of any
provision, covenant or agreement contained in Article VI or VII of the Credit
Agreement, and so that no Default or Event of Default, is caused by the actions
of the Guarantor or any of its Subsidiaries.

      14. The Guarantor hereby agrees to pay all costs and expenses of the Agent
and each Lender in connection with the enforcement of this Guaranty and any
amendment, waiver or consent relating hereto (including, without limitation, the
reasonable fees and disbursements of counsel employed by the Agent or any
Lender).

                                       6
<PAGE>

      15. This Guaranty shall be binding upon the Guarantor and its successors
and assigns and shall inure to the benefit of the Agent and the Lenders and
their respective successors and assigns.

      16. None of the terms or provisions of this Guaranty may be amended,
supplemented or otherwise modified except by a written instrument executed by
the Guarantor and the Agent, provided that any provision of this Pledge
Agreement may be waived by the Agent in a letter or agreement executed by the
Agent or by telex or facsimile transmission from the Agent.

      17. The Guarantor acknowledges that an executed (or conformed) copy of the
Credit Agreement and each Other Document has been made available to its
executive officers and such officers are familiar with the contents thereof.

      18. In addition to any rights now or hereafter granted under applicable
law (including, without limitation, Section 151 of the New York Debtor and
Creditor Law) and not by way of limitation of any such rights, upon the
occurrence and during the continuance of an Event of Default, the Agent and the
Lenders are hereby authorized at any time or from time to time, without notice
to the Guarantor or to any other Person, any such notice being expressly waived,
to set off and to appropriate and apply any and all deposits (general or
special) and any other indebtedness at any time held or owing by the Agent or
such Lender, as the case may be, to or for the credit or the account of the
Guarantor, against and on account of the obligations and liabilities of the
Guarantor to the Agent or such Lender, as the case may be, under any Other
Document (including, without limitation, under this Guaranty), irrespective of
whether or not the Agent or such Lender shall have made any demand hereunder and
although said obligations, liabilities, deposits or claims, or any of them,
shall be contingent or unmatured.

      19. Any notice or request hereunder may be given to the Guarantor at its
address (including telecopy number) set forth under its signature below or to
the Agent or any Lender at the address (including telecopy number) provided for
such party in Section 15.6 of the Credit Agreement or, in each case at such
other address as may hereafter be specified in a notice designated as a notice
of change of address under this Paragraph 20. Any notice or request hereunder
shall be given by (a) hand delivery, (b) overnight courier, (c) registered or
certified mail, return receipt requested, (d) telex or telegram, subsequently
confirmed by registered or certified mail, or (e) telecopy with electronic
confirmation of its receipt. Any notice or other communication required or
permitted pursuant to this Guaranty shall be deemed given (i) when personally
delivered to any officer of the party to whom it is addressed, (ii) on the
earlier of actual receipt thereof or three (3) days following posting thereof by
certified or registered mail, postage prepaid, (iii) upon actual receipt thereof
when sent by a recognized overnight delivery service or (iv) upon actual receipt
thereof when sent by telecopier with electronic confirmation of its receipt.

      20. If claim is ever made upon the Agent or any Lender for repayment or
recovery of any amount or amounts received in payment or on account of any of
the Obligations and any of the aforesaid payees repays all or part of said
amount by reason of (i) any judgment, decree or order of any court or
administrative body having jurisdiction over such payee or any of its property
or (ii) any settlement or compromise of any such claim effected by such payee
with any such claimant (including any Borrower), then and in such event the
Guarantor agrees that any such judgment, decree, order, settlement or compromise
shall be binding upon the Guarantor, notwithstanding any revocation hereof or
other instrument evidencing any liability of any Borrower, and the Guarantor
shall be and remain

                                       7
<PAGE>

liable to the aforesaid payees hereunder for the amount so repaid or recovered
to the same extent as if such amount had never originally been received by any
such payee.

      21. This Guaranty shall be governed by and construed in accordance with
the laws of the State of New York applied to contracts to be performed wholly
within the State of New York, without giving effect to the principles of
conflicts of law. Any judicial proceeding brought by or against the Guarantor
with respect to this Guaranty or any related agreement may be brought in the
Supreme Court of the State of New York located in the County of New York or in
the United States District Court for the Southern District of New York and, by
execution and delivery of this Guaranty, the Guarantor accepts for itself and in
connection with its properties, generally and unconditionally, the non-exclusive
jurisdiction of the aforesaid courts, and irrevocably agrees to be bound by any
judgment rendered thereby in connection with this Guaranty. The Guarantor hereby
waives personal service of any and all process upon it and consents that all
such service of process may be made by registered mail (return receipt
requested) directed to the Guarantor at its address set forth under its
signature below and service so made shall be deemed completed five (5) days
after the same shall have been so deposited in the mails of the United States of
America. Nothing herein shall affect the right to serve process in any manner
permitted by law or shall limit the right of Agent or any Lender to bring
proceedings against the Guarantor in the courts of any other jurisdiction. The
Guarantor waives any objection to jurisdiction and venue of any action
instituted hereunder in any court referred to above and shall not assert any
defense based on lack of jurisdiction or venue or based upon forum non
conveniens. Any judicial proceeding by the Guarantor against Agent or any Lender
involving, directly or indirectly, any matter or claim in any way arising out
of, related to or connected with this Guaranty or any related agreement, shall
be brought only in the Supreme Court of the State of New York located in the
County of New York or in the United States District Court for the Southern
District of New York.

      22. EACH PARTY TO THIS GUARANTY HEREBY EXPRESSLY WAIVES ANY RIGHT TO TRIAL
BY JURY OF ANY CLAIM, DEMAND, ACTION OR CAUSE OF ACTION (A) ARISING UNDER THIS
GUARANTY OR ANY OTHER INSTRUMENT, DOCUMENT OR AGREEMENT EXECUTED OR DELIVERED IN
CONNECTION HEREWITH, OR (B) IN ANY WAY CONNECTED WITH OR RELATED OR INCIDENTAL
TO THE DEALINGS OF THE PARTIES HERETO OR ANY OF THEM WITH RESPECT TO THIS
GUARANTY OR ANY OTHER INSTRUMENT, DOCUMENT OR AGREEMENT EXECUTED OR DELIVERED IN
CONNECTION HEREWITH, OR THE TRANSACTIONS RELATED HERETO OR THERETO IN EACH CASE
WHETHER NOW EXISTING OR HEREAFTER ARISING, AND WHETHER SOUNDING IN CONTRACT OR
TORT OR OTHERWISE AND EACH PARTY HEREBY CONSENTS THAT ANY SUCH CLAIM, DEMAND,
ACTION OR CAUSE OF ACTION SHALL BE DECIDED BY COURT TRIAL WITHOUT A JURY, AND
THAT ANY PARTY TO THIS AGREEMENT MAY FILE AN ORIGINAL COUNTERPART OR A COPY OF
THIS PARAGRAPH WITH ANY COURT AS WRITTEN EVIDENCE OF THE CONSENTS OF THE PARTIES
HERETO TO THE WAIVER OF THEIR RIGHT TO TRIAL BY JURY.

      23. This Guaranty may be executed in any number of counterparts and by the
different parties hereto on separate counterparts, each of which when so
executed and delivered shall be an original, but all of which shall together
constitute one and the same instrument. A set of counterparts executed by all
the parties hereto shall be lodged with the Guarantor and the Agent.

                                       8
<PAGE>

      24. All payments made by the Guarantor hereunder will be made without
setoff, counterclaim or other defense; provided, however, that this Section 25
shall not preclude the right of the Guarantor to make a claim in a separate
action that Guarantor has paid amounts of principal, interest or other charges
to the Lenders or the Agent in respect of the Advances in excess of the amounts
required to be paid by reason of an error in calculation by the Agent or the
Lenders (after applying the standard of manifest error when applicable to the
Borrowers).

      25. If any part of this Guaranty is contrary to, prohibited by, or deemed
invalid under applicable laws or regulations, such provision shall be
inapplicable and deemed omitted to the extent so contrary, prohibited or
invalid, but the remainder hereof shall not be invalidated thereby and shall be
given effect so far as possible.

      26. The Guarantor acknowledges that the rights and responsibilities of the
Agent under this Guaranty with respect to any action taken by the Agent or the
exercise or non-exercise by the Agent of any option, right, request, judgment or
other right or remedy provided for herein or resulting or arising out of this
Guaranty shall, as among the Agent and the Lenders, be governed by the Credit
Agreement and such other agreements with respect thereto as may exist from time
to time among them but, as between the Agent and the Guarantor, the Agent shall
be conclusively presumed to be acting as agent for the Lenders with full and
valid authority so to act or refrain from acting, and neither the Guarantor nor
the Borrowers shall not be under any obligation or entitlement to make any
inquiry respecting such authority.

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

ATTEST:                                    RICHTON HOLDING CORP.

                                           By:
---------------------------                  -------------------------------
Name:                                      Name: Cornelius F. Griffin
Title:                                     Title: Chief Financial Officer

                                           Address for Notices to the Guarantor:

                                           767 Fifth Avenue
                                           New York, New York 10153
                                           Attn: Chief Executive Officer
                                           Telephone: (212) 751-4050
                                           Telecopier: (212) 956-2164

                                       9

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