Document:

Exhibit 10.3

                    EXPENSE AND INDEMNITY AGREEMENT - AMACAR

April 15, 2005

Mr. Douglas K. Johnson
Amacar Pacific Corporation
6525 Morrison Boulevard, Suite 318
Charlotte, North Carolina 28211

Dear Mr. Johnson:

The Hartford Life Global Funding program (the "Program") is a program for the
issuance to the public from time to time, of one or more series of notes (each a
series of "Notes") by newly created statutory trusts organized under the laws of
the State of Delaware (each a "Trust"). A separate Trust will be formed for the
issuance of each series of Notes, pursuant to a trust agreement, between
Wilmington Trust Company, as Delaware trustee (the "Delaware Trustee") and
Amacar Pacific Corporation, as administrator ("Administrator") and Beneficial
Holder (the "Trust Agreement"). Each Trust shall enter into an indenture (the
"Indenture") with JPMorgan Chase Bank, N.A., as indenture trustee (the
"Indenture Trustee"). Each series of Notes are secured solely by assets held by
the relevant Trust. The proceeds from the sale of each series of Notes are to be
used to purchase one or more Funding Agreements issued by Hartford Life
Insurance Company, a Connecticut stock life insurance company ("Hartford Life").
Each Trust shall be administered pursuant to an administrative services
agreement between the Administrator and the Delaware Trustee, dated April 15,
2005, whereby the Administrator has agreed to provide certain services of each
such Trust.

In consideration of the Administrator providing services to each Trust in
connection with the Program and pursuant to the Issuance Documents under which
the Administrator has certain duties and obligations, Hartford Life hereby
agrees to the following compensation arrangements and terms of indemnity.

         1.    DEFINITIONS. The following terms, as used herein, have the
following meanings:

         "EXCLUDED AMOUNTS" means (i) any obligation of a Trust to make any
payment to any Holder in accordance with the terms of an Indenture or the Notes,
(ii) any obligation or expense of a Trust to the extent that such obligation or
expense has actually been paid utilizing funds available to the Trust from
payments under a Funding Agreement, (iii) any cost, loss, damage, claim, action,
suit, expense, disbursement, tax, penalty or liability of any kind or nature
whatsoever resulting from or relating to any insurance regulatory or other
governmental authority asserting that: (a) the Notes are, or are deemed to be,
(1) participations in one or more Funding Agreements or (2) contracts of
insurance, or (b) the offer, purchase, sale and/or transfer of the Notes and/or
assignment of the Funding Agreements (1) constitute the conduct of the business
of insurance or reinsurance in any jurisdiction or (2) requires a Trust or any
Holder to be licensed as an insurer, insurance agent or broker in any
jurisdiction, (iv) any cost, loss, damage, claim, action, suit, expense,
disbursement, tax, penalty

                                        1
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or liability of any kind or nature whatsoever imposed on the Administrator that
results from the bad faith or gross negligence of the Administrator, (v) any
costs and expenses attributable solely to the Administrator's administrative
overhead unrelated to the Program, (vi) any tax imposed on fees paid to the
Administrator, (vii) any withholding taxes imposed on or with respect of
payments made under any Funding Agreement, the Indenture or any Note and (viii)
any Additional Amounts paid to any Holder.

         "FEES" mean the fees as set forth in the fee schedule attached hereto
as EXHIBIT A or in any separate fee agreement between Hartford Life and the
Administrator.

         "INDEMNIFIED PERSON" means any person entitled to indemnity payments
pursuant to Section 5.

         "OBLIGATION" means any and all Reasonable Costs and Expenses incurred,
relating to the offering, sale and issuance of the Notes by a Trust, including
(i) the reasonable fees and expenses of counsel and (ii) costs, expenses and
taxes of the Trust; provided that Obligations do not include Excluded Amounts or
Fees.

         "REASONABLE COSTS AND EXPENSES" are limited to (i) all reasonable
Administration Expenses actually and reasonably incurred by the Administrator
that either do not exceed the indicated amounts listed in EXHIBIT B or have been
approved in writing in advance by an officer of Hartford Life, (ii) any
extraordinary cost or expense actually incurred by the Administrator that was
not reasonably anticipated by the Administrator or which was not reasonably
avoidable; provided that the Administrator will give Hartford Life prompt notice
of any such extraordinary cost or expense and (iii) any other Program Expenses
that are scheduled obligations of a Trust or that the Administrator is directed
to pay.

         Capitalized terms used and not otherwise defined herein shall have the
meanings assigned to them in the Indenture.

         2.    FEES. Hartford Life hereby agrees to pay the Administrator its
Fees. If there is a substantive change in the nature of the Administrator's
duties, acceptable to the parties, the parties mutually agree to negotiate an
equitable adjustment to the Administrator's Fees.

         3.    PARTIAL REFUND. If the Administrator resigns or its appointment
is revoked for cause pursuant to any of the Issuance Documents under which the
Administrator has duties or obligations, the Administrator will repay to
Hartford Life such unused part of any fee paid to it as may be agreed between
the Administrator and Hartford Life but no more than the prorated amount.

         4.    PAYMENT OF OBLIGATIONS. If the Administrator delivers written
notice and evidence, reasonably satisfactory to Hartford Life, of any Obligation
of the Administrator, Hartford Life shall, upon receipt of such notice promptly
pay such Obligation. Notice of any Obligation (including any invoices) should be
sent to Hartford Life at its address set forth below, or at such other address
as Hartford Life shall hereafter furnish in writing:

                                        2
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<Table>
<Caption>
         IF BY OVERNIGHT DELIVERY:                   IF BY U.S. MAIL:
         <S>                                         <C>
         Hartford Life Insurance Company             Hartford Life Insurance Company
         200 Hopmeadow Street                        P.O. Box 2999
         Simsbury, Connecticut 06089                 Hartford, Connecticut 06104-2999
         Attn.: Institutional Investment Products    Attn.: Institutional Investment Products
         Telephone: (860) 843-9477
         Telecopier: (860) 843-5775
</Table>

         The Administrator, for itself and on behalf of each affected Trust,
will (i) from time to time execute all such instruments and other agreements and
take all such other actions as may be necessary or desirable, or that Hartford
Life may reasonably request, to protect any interest of Hartford Life with
respect to any Obligation or to enable Hartford Life to exercise or enforce any
right, interest or remedy it may have with respect to any such Obligation, and
(ii) release to Hartford Life any amount received from Hartford Life relating to
any Obligation or any portion of any Obligation, immediately after any such
amount relating to such Obligation, or any portion of any such Obligation, is
otherwise received by the Administrator or a Trust from a party other than
Hartford Life.

         Hartford Life and the Administrator hereby agree that all payments due
under this Agreement in respect of any Obligation shall be effected, and any
responsibility of Hartford Life to pay such Obligation pursuant to this
Agreement shall be discharged, by the payment by Hartford Life to the account of
the person to whom such Obligation is owed.

         5.    INDEMNIFICATION. To the fullest extent permitted by law and
notwithstanding anything to the contrary, Hartford Life hereby agrees, whether
or not any of the transactions contemplated by a Trust Agreement will be
consummated, to assume liability for and hereby indemnifies, protects, saves and
keeps harmless the Administrator and its officers, directors, successors,
assigns, legal representatives, agents and servants, from and against any and
all liabilities, obligations, losses, damages, penalties, taxes, claims,
actions, investigations, proceedings, costs, expenses or disbursements
(including reasonable legal fees and expenses) of any kind and nature whatsoever
which may be imposed on, incurred by or asserted at any time against an
Indemnified Person in any way relating to or arising out of the Administrative
Services Agreement or a Trust Agreement or the enforcement of any of the terms
thereof, the administration of a Trust or the action or inaction of the
Administrator under the Administrative Services Agreement, except, in any such
case to the extent that any such liabilities, obligations, losses, damages,
penalties, taxes, claims, actions, investigations, proceedings, costs, expenses
and disbursements (i) results from the bad faith or negligence of an Indemnified
Person (or ordinary negligence in the handling or disbursement of funds) or (ii)
relate to (a) any costs and expenses attributable solely to the Administrator's
administrative overhead or (b) any tax imposed on the Fees or other amounts paid
to the Administrator.

         The indemnification provided for herein supersedes in all respects any
indemnification provision contained in any other Issuance Document or any other
agreement relating to the Program to which the Administrator becomes a party.

         6.    INDEMNIFICATION PROCEDURES. An Indemnified Person shall give
prompt written notice to Hartford Life of any action, suit or proceeding
commenced or threatened against the Indemnified Person. In

                                        3
<Page>

case any such action, suit or proceeding shall be brought involving an
Indemnified Person, Hartford Life may, in its sole discretion, elect to assume
the defense of the Indemnified Person, and if it so elects, Hartford Life shall,
in consultation with such Indemnified Person, select counsel, reasonably
acceptable to the Indemnified Person, to represent the Indemnified Person and
pay the reasonable fees and expenses of such counsel. In any such action,
investigation or proceeding, the Indemnified Person shall have the right to
retain its own counsel but Hartford Life shall not be obligated to pay the fees
and disbursements of such counsel unless (i) Hartford Life and the Indemnified
Person shall have mutually agreed to the retention of such counsel or (ii) the
named parties to any such action, investigation or proceeding (including any
impleaded parties) include both Hartford Life and the Indemnified Person and
representation of both parties by the same counsel would be inappropriate due to
actual or potential differing interests between them. It is understood that
Hartford Life shall not, in connection with any proceeding or related proceeding
in the same jurisdiction, be liable for the fees and expenses of more than one
separate firm (in addition to any local counsel) for all Indemnified Persons who
are affiliated with the Administrator.

         7.    ENFORCEABILITY OF INDEMNIFICATION. If the indemnification
provided for herein is invalid or unenforceable in accordance with its terms,
then Hartford Life shall contribute to the amount paid or payable by an
Indemnified Person as a result of such liability in such proportion as is
appropriate to reflect the relative benefits received by Hartford Life and a
Trust, (if the Trust is not an Indemnified Person), on one hand, and the
Administrator or a Trust (if the Trust is an Indemnified Person) on the other
hand, from the transactions contemplated by the Issuance Documents. For this
purpose, the benefits received by Hartford Life or a Trust (if applicable) shall
be the aggregate value of the relevant Collateral, and the benefits received by
the Administrator shall be the Fees it has been paid up to that point, less
costs and unreimbursed expenses incurred by the Administrator in relation to
such Collateral, and the benefits received by the Trust (if applicable) shall be
determined by the Administrator (unless the Administrator is an Indemnified
Party) and Hartford Life. If, however, the allocation provided by the
immediately preceding two sentences is not permitted by applicable law, then
Hartford Life shall contribute to such amount paid or payable by the Indemnified
Person in such proportion as is appropriate to reflect not only such relative
benefits but also the relative fault of Hartford Life and the Trust (if
applicable), on the one hand, and the Administrator or the Trust (if applicable)
on the other hand, in connection with the actions or omissions which resulted in
such liability, as well as any other relevant equitable considerations.

         8.    OTHER INDEMNIFICATION TERMS. Hartford Life shall be subrogated to
any right of the Indemnified Person in respect of the matter as to which any
indemnity was paid hereunder. The Indemnified Person may not settle any action,
investigation or proceeding without the consent of Hartford Life, not to be
unreasonably withheld. The obligations of Hartford Life, as indemnitor under
this agreement to any Indemnified Person shall survive the termination of each
of the Issuance Documents.

         9.    WAIVER. No waiver, modification or amendment of this agreement
shall be valid unless executed in writing by the parties hereto.

         10.   COUNTERPARTS. This agreement may be executed in counterparts
(including by facsimile transmission), each of which when so executed and
delivered shall be deemed an original, but all of such contracts shall together
constitute one and the same document.

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<Page>

         11.   GOVERNING LAW. This agreement shall be governed by and construed
in accordance with the laws of the New York, without regard to conflicts of laws
principles.

         If the foregoing correctly sets forth the understanding and agreement
between Hartford Life and the Administrator please so indicate by signing in the
space provided for below.

                                       Very truly yours,

                                       HARTFORD LIFE INSURANCE COMPANY

                                       By: /s/ Ken McCullum
                                          --------------------------------------
                                       Name: Ken  McCullum
                                            ------------------------------------
                                       Title: Assistant Vice President & Actuary
                                             -----------------------------------

AGREED AND ACCEPTED:

AMACAR PACIFIC CORPORATION, AS
ADMINISTRATOR AND BENEFICIAL
OWNER OF EACH TRUST
ESTABLISHED UNDER THE PROGRAM

By: /s/ Evelyn Echevarria
   ---------------------------
Name: Evelyn Echevarria
     -------------------------
Title: Vice President
      ------------------------

                                        5<PAGE>

                                                                    EXHIBIT 10.1

                  FOURTEENTH AMENDMENT TO AMENDED AND RESTATED
                        AGREEMENT OF LIMITED PARTNERSHIP
                                       OF
                     BRANDYWINE OPERATING PARTNERSHIP, L.P.

                  THIS FOURTEENTH AMENDMENT, dated as of January 5, 2006 (the
"Amendment"), further amends the Amended and Restated Agreement of Limited
Partnership Agreement (as amended to date, the "Partnership Agreement") of
BRANDYWINE OPERATING PARTNERSHIP, L.P., a Delaware limited partnership (the
"Partnership"). Capitalized terms used herein but not defined herein shall have
the meanings given such terms in the Partnership Agreement.

                                   BACKGROUND
                                   ----------

               A. Pursuant to the Partnership Agreement, Brandywine Realty Trust
(the "General Partner"), as the general partner of the Partnership, has the
power and authority to issue additional Partnership Interests to persons on such
terms and conditions as the General Partner may deem appropriate.

               B. The General Partner, pursuant to the exercise of such power
and authority and in accordance with the Partnership Agreement, has determined
to execute this Amendment to the Partnership Agreement to evidence the issuance
of additional Partnership Interests and the admission of the other signatories
hereto as Limited Partners of the Partnership pursuant to the OP Merger pursuant
to, and as defined in, the Agreement and Plan of Merger dated as of October 3,
2005 among the General Partner, the Partnership, Prentiss Properties Trust,
Prentiss Properties Acquisition Partners, L.P. and the other signatories
thereto.

                  NOW, THEREFORE, in consideration of the mutual covenants and
agreements herein contained and other good and valuable consideration, the
receipt, adequacy and sufficiency of which are hereby acknowledged, the parties
hereto, intending to be legally bound, hereby amend the Partnership Agreement as
follows:

                  1. The Partnership Agreement is hereby amended to reflect the
admission as a Limited Partner on the date hereof of the Persons set forth on
Schedule A attached hereto (the "Admitted Partners") and the ownership by such
Persons of the number of Class A Units listed opposite each Person's name on
Schedule A. Attached as Schedule B is a list of the Partners of the Partnership
prior to the admission of the Admitted Partners, together with the number and
class of Partnership Interests owned by such partners.

                  2. The Partnership Interests issued hereby shall constitute
Class A Units under the Partnership Agreement.

                  3. By execution of this Amendment to the Partnership Agreement
by the General Partner, the Admitted Partners agree to be bound by each and
every term of the Partnership Agreement as amended from time to time in
accordance with the terms of the Partnership Agreement.

<PAGE>

                  4. On the date of this Amendment, each of the Admitted
Partners shall execute and deliver to Brandywine Realty Trust an Irrevocable
Proxy coupled with an Interest in the form set forth on Exhibit 1 hereto
attached.

                  5. Except as expressly set forth in this Amendment to the
Partnership Agreement, the Partnership Agreement is hereby ratified and
confirmed in each and every respect.

                  6. This Amendment may be executed in any number of
counterparts which, when taken together, shall constitute one and the same
amendment. Any or all counterparts may be executed by facsimile.

<PAGE>

                  IN WITNESS WHEREOF, this Amendment to the Partnership
Agreement has been executed and delivered as of the date first above written.

                                  GENERAL PARTNER:
                                  ---------------

                                  BRANDYWINE REALTY TRUST

                                  BY: /s/ Gerard H. Sweeney
                                      ------------------------------------------
                                          Gerard H. Sweeney
                                          President and Chief Executive Officer

<PAGE>

                  IN WITNESS WHEREOF, this Amendment to the Partnership
Agreement has been executed and delivered as of the date first above written.

                               ADMITTED PARTNERS:
                               -----------------

                                         /s/ Thomas F. August
                                         ---------------------------------------
                                         Thomas F. August

                                         /s/ Michael V. Prentiss
                                         ---------------------------------------
                                         Michael V. Prentiss

                                         Prentiss Credit Shelter Trust

                                         By: /s/ Dennis J. DuBois
                                             -----------------------------------
                                             Name: Dennis J. DuBois
                                             Trustee

                                         August Family Investments, Ltd.

                                         By: /s/ Thomas F. August
                                            ------------------------------------

                                         /s/ Dennis J. DuBois
                                         ---------------------------------------
                                         Dennis J. DuBois

                                         /s/ Steven A. Stattner
                                         ---------------------------------------
                                         Steven A. Stattner

                                         Newport National Corporation

                                         By: /s/ Scott R. Brusseau
                                            ------------------------------------
                                                 Name: Scott R. Brusseau
                                                 President

                                         The F.M. (Bruce) Brusseau Trust

                                         By: /s/ F.M. (Bruce) Brusseau
                                             -----------------------------------
                                                 Name: F.M. (Bruce) Brusseau
                                                 Trustee

                                         /s/ Jeffrey A. Brusseau
                                         ---------------------------------------
                                         Jeffrey A. Brusseau

                                         /s/ Scott R. Brusseau
                                         ---------------------------------------
                                         Scott R. Brusseau

                                         /s/ Kenneth L. Hatfield
                                         ---------------------------------------
                                         Kenneth L. Hatfield

<PAGE>

                                        /s/ D. Kent Dahlke
                                        ----------------------------------------
                                        D. Kent Dahlke

                                        /s/ James J. Gorman
                                        ----------------------------------------
                                        James J. Gorman

                                        /s/ Michael G. Tombari
                                        ----------------------------------------
                                        Michael G. Tombari

                                        The Jon Q. Reynolds and Ann S. Reynolds
                                        Family Trust

                                        By: /s/ Jon Q. Reynolds
                                            ------------------------------------
                                                Name: Jon Q. Reynolds
                                                Trustee

                                        /s/ Christopher J. Knauer
                                        ----------------------------------------
                                        Christopher J. Knauer

                                        The Revocable Trust Declaration of
                                        Thomas K. Terrill and Susan Jean Terrill

                                        By: /s/ Thomas K. Terrill
                                            ------------------------------------
                                                Name: Thomas K. Terrill
                                                Trustee

                                        The David A. Brown Family Trust

                                        By: /s/ David A. Brown
                                            ------------------------------------
                                                Name: David A. Brown
                                                Trustee

                                        The Judith B. Brown 1992 Trust

                                        By: /s/ Judith B. Brown
                                            ------------------------------------
                                                Name: Judith B. Brown
                                                Trustee

                                        The Redford Family Trust

                                        By: /s/ Milton D. Redford
                                            ------------------------------------
                                                Name: Milton D. Redford
                                                Trustee

                                        /s/ C. Thomas Martz
                                        ----------------------------------------
                                        C. Thomas Martz

<PAGE>

                                        The Peter M. Reynolds and Christina A.
                                        Reynolds Family Trust

                                        By: /s/ Peter M. Reynolds
                                            ------------------------------------
                                                Name: Peter M. Reynolds
                                                Trustee

                                        /s/ Tara Lynne Brown
                                        ----------------------------------------
                                        Tara Lynne Brown

                                        /s/ Karen Leigh Brown
                                        ----------------------------------------
                                        Karen Leigh Brown

                                        The Reynolds Family Partners

                                        By: /s/ Jon Q. Reynolds, Jr.
                                            ------------------------------------
                                                Name: Jon Q. Reynolds, Jr.
                                                Title: General Partner

                                        /s/ Kristen Ann Brown
                                        ----------------------------------------
                                        Kristen Ann Brown

<PAGE>

                                   EXHIBIT "1"
                             TO FOURTEENTH AMENDMENT

                   IRREVOCABLE PROXY COUPLED WITH AN INTEREST

                  KNOWN ALL MEN BY THESE PRESENTS, that the undersigned hereby
irrevocably constitutes and appoints the General Partner, any Liquidating
Trustee, and authorized officers and attorneys-in-fact of each, and each of
those acting singly, in each case with full power of substitution, as its true
and lawful agent and attorney-in-fact, with full power and authority in its
name, place and stead to: execute, swear to, acknowledge, deliver, file and
record in the appropriate public offices (i) all certificates, documents and
other instruments (including, without limitation, this Agreement and the
Certificate and all amendments or restatements thereof) that the General Partner
or the Liquidating Trustee deems appropriate or necessary to form, qualify or
continue the existence or qualification of the Partnership as a limited
partnership (or a partnership in which the limited partners have limited
liability) in the State of Delaware and in all other jurisdictions in which the
Partnership may conduct business or own property; (ii) all instruments that the
General Partner deems appropriate or necessary to reflect any amendment, change,
modification or restatement of this Agreement in accordance with the terms of
this Agreement; (iii) all conveyances and other instruments or documents that
the General Partner deems appropriate or necessary to reflect the dissolution
and liquidation of the Partnership pursuant to the terms of this Agreement,
including, without limitation, a certificate of cancellation; and (iv) all
instruments relating to the admission, withdrawal, removal or substitution of
any Partner pursuant to the provisions of this Agreement, or the Capital
Contribution of any Partner. The foregoing power of attorney is irrevocable and
a power coupled with an interest, in recognition of the fact that each of the
Partners will be relying upon the power of the General Partner to act as
contemplated by this Agreement in any filing or other action by it on behalf of
the Partnership, and it shall survive the death, incapacity or incompetency of a
Limited Partner to the effect and extent permitted by law and the Transfer of
all or any portion of such Limited Partner's Partnership Units and shall extend
to such Limited Partner's heirs, distributees, successors, assigns and personal
representatives.

                  IN WITNESS WHEREOF, the undersigned has executed and delivered
this Proxy on this ___ day of ____________, _____

                                       _________________________________________

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