Document:

<PAGE>
                                                                    Exhibit 10.7

                                                       Agreement Number 01021189

                              Agreement # 01021189
                                       for
                             Materials and Services

                                     Between

                               CT TECHNOLOGY INC.

                                       And

                                SBC SERVICES INC.

                            Proprietary Information

The information contained in this Agreement is not for use or disclosure outside
SBC, Supplier, their affiliated companies and their third party representatives,
except under written Agreement by the contracting Parties.

                                       1

<PAGE>
                                                       Agreement Number 01021189

1. PREAMBLE AND EFFECTIVE DATE

This Agreement, effective on the date when signed by the last Party ("Effective
Date"), is between CT Technology, a Texas corporation ("Supplier"), and SBC
Services, Inc., a Delaware corporation ("SBC"), each of which may be referred to
in the singular as "Party" or in the plural as "Parties."

2. SCOPE OF THE AGREEMENT

Subject to the terms and conditions of this Agreement, Supplier shall
provide to SBC the Material and Services described in Appendix A. The applicable
price for the Material and Services is specified in Appendix B. Supplier agrees
that the Material and Services shall strictly conform to the Specifications,
including those specified in Appendix C.

3. DEFINITIONS

a.   "Affiliate" means (1) a company, whether incorporated or not, which owns,
     directly or indirectly, a majority interest in either Party (a "parent
     company"), and (2) a company, whether incorporated or not, in which a five
     percent (5%) or greater interest is owned, either directly or indirectly,
     by: (i) either Party or (ii) a parent company.

b.   "Agreement" shall have the meaning specified in the Section called "Entire
     Agreement."

c.   "Cancellation" means the occurrence by which either Party puts an end to
     this Agreement or Orders placed under this Agreement for breach by the
     other, and its effect is the same as that of "Termination" and, except as
     otherwise provided for herein, the canceling Party also retains any remedy
     for breach of the whole Agreement or any unperformed balance.

d.   "Delivery" means Supplier's obligation to provide Material and/or Services
     that strictly conform to the Specifications. Supplier completes Delivery:
     (i) upon SBC's possession of the Material if Supplier is not required to
     provide additional Services, such as installation, (ii) upon completing
     such additional Services, if Supplier is required to provide such Services
     in connection with providing Material, or (iii) for Services, upon
     completing the provision of Services. Notwithstanding the above, Delivery
     shall not be deemed completed until Supplier causes the Material and
     Services to conform to the Specifications in all material respects or upon
     Acceptance of such Material and Services by SBC.

e.   "Information" means all ideas, discoveries, concepts, know-how, trade
     secrets, techniques, designs, specifications, drawings, sketches, models,
     manuals, samples, tools, computer programs, technical information, and
     other confidential business, customer or personnel information or data,
     whether provided orally, in writing, or through electronic or other means.

f.   "Laws" shall have the meaning specified in the Section called "Compliance
     with Laws."

g.   "Liability" means all losses, damages, expenses, costs, penalties, fines
     and fees, including reasonable attorneys' fees and consulting fees, arising
     from or incurred in connection with a claim or cause of action related to
     performance or omission of acts under this Agreement or any Order,
     including, but not limited to, claims or causes of actions brought by third
     parties.

h.   "Material" means a unit of equipment, apparatus, components, tools,
     supplies, material, hardware, or firmware thereto, or Software purchased or
     licensed hereunder by SBC from Supplier, including third party Material
     provided or furnished by Supplier. Material shall be deemed to include any
     replacement parts.

i.   "Order" means such purchase orders, work orders, forms, memoranda or other
     written communications as may be Delivered to Supplier for the purpose of
     ordering Material and Services hereunder.

j.   "Regulated Substance" means any Material that is regulated by federal,
     state, or local authorities during transportation, handling, or removal.

k.   "Service(s)" means any and all labor or service provided in connection with
     this Agreement or an applicable Order, including, but not limited to,
     consultation, engineering, installation, removal, maintenance, training,
     technical support, repair and programming.

                            Proprietary Information

The information contained in this Agreement is not for use or disclosure outside
SBC, Supplier, their affiliated companies and their third party representatives,
except under written Agreement by the contracting Parties.

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<PAGE>
                                                       Agreement Number 01021189

l.   "Specifications" mean (i) Supplier's applicable Specifications and
     descriptions, including any warranty statements, and (ii) SBC's
     requirements, Specifications, and descriptions specified in, or attached
     to, this Agreement or an applicable Order, which shall control over an
     inconsistency with Supplier's Specifications and descriptions.

m.   "Termination" means the occurrence by which either Party, pursuant to the
     provisions or powers of this Agreement or pursuant to Laws and regulations,
     puts an end to this Agreement and/or Orders placed under this Agreement
     other than for breach. On "Termination" all executory obligations are
     discharged, but any right based on breach of performance survives, except
     as otherwise provided herein.

4. CANCELLATION

In the event that Supplier fails to perform, in whole or in part, their
obligations under this Agreement or any Order, or otherwise breaches or defaults
on their obligation herein, SBC may elect to cancel this Agreement and/or Orders
without any financial obligation or Liability on the part of SBC except that SBC
shall pay Supplier for all software delivered up until the date of cancellation.

5. COMPLIANCE WITH LAWS

Supplier shall comply with all applicable federal, state, county, and local
rules, including, without limitation, all statutes, laws, ordinances,
regulations and codes ("Laws"). Supplier's obligation to comply with all Laws
includes the procurement of permits, certificates, approvals, inspections and
licenses, when needed, in the performance of this Agreement. Supplier further
agrees to comply with all applicable Executive Orders and federal regulations.
Supplier shall defend, indemnify and hold SBC harmless from and against any
Liability that may be sustained by reason of Supplier's failure to comply with
this Section.

6. DELIVERY, PERFORMANCE, AND ACCEPTANCE

Supplier agrees that all dates for Delivery of Material and Services are firm,
time is of the essence, and Supplier will complete Delivery in strict
conformance with the Specifications. After Delivery, SBC shall have a reasonable
time to inspect and test the Material and/or Services, and acceptance shall not
occur until the Material and/or Services are shown to strictly comply with the
Specifications ("Acceptance").

7. ENTIRE AGREEMENT

a.   The terms contained in this Agreement and in any Orders, including all
     exhibits, appendices and subordinate documents attached to or referenced in
     this Agreement or in any Orders, constitute the entire integrated Agreement
     between Supplier and SBC with regard to the subject matter contained
     herein. This Agreement supercedes all prior oral and written
     communications, agreements and understandings of the Parties, if any, with
     respect hereto. Acceptance of Material and/or Services, payment or any
     inaction by SBC, shall not constitute SBC's consent to or acceptance of any
     additional or different terms from those stated in this Agreement, except
     for terms in an Order inserted by SBC and signed by both Parties. Estimates
     furnished by SBC are for planning purposes only and shall not constitute
     commitments. Supplier covenants never to contend otherwise.

b.   No oral promises or statement have induced either Party to enter into this
     Agreement, and the Parties agree that the Agreement's express language may
     only be modified or amended through a subsequent written document signed by
     the Parties.

8. GOVERNING LAW

This Agreement shall be construed in accordance with the Laws of the state of
Texas, and, for purposes of applying its Uniform Commercial Code, "services"
shall be deemed to be "goods."

9. INDEMNITY

Supplier shall indemnify, defend, and hold harmless SBC and its Affiliates, and
directors, shareholders, agents, and employees (each of them "Indemnitees"),
from and against any fine, penalty, loss, cost, damage, injury, claim, expense,
including reasonable attorneys' fees, or Liability, including, but not limited
to, Liabilities associated with (1) injury to or death of any person, (2) damage
to, or loss or destruction of, any property; (3) contamination of, or any
adverse impact upon,

                             Proprietary Information

The information contained in this Agreement is not for use or disclosure outside
SBC, Supplier, their affiliated companies and their third party representatives,
except under written Agreement by the contracting Parties.

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<PAGE>
                                                       Agreement Number 01021189

the environment, (4) attachments, liens or claims of materialmen or laborers,
(5) breach of a Supplier warranty, or (6) infringement of a patent, copyright,
trademark, service mark, trade secret, or other legally protected proprietary
right, where such Liabilities arise out of, result from, or are incurred in
connection with acts or omissions in connection with this Agreement, except for
that portion of Liabilities caused by the sole negligence or willful misconduct
of SBC. Supplier shall keep Indemnitees fully informed of any such defense and
afford Indemnitees, at their own expense, an opportunity to participate in the
defense or settlement of such Liabilities.

10. INFORMATION

Except with SBC's prior written consent or as required by this Agreement,
Supplier shall not use or provide to others any SBC business or customer
Information except when such references to SBC are made by the Supplier in
compliance with SEC filing regulations. Upon completion of this Agreement,
Supplier shall promptly return such SBC Information. Except with SBC's prior
written approval, Information provided by Supplier shall not be deemed
confidential.

11. INSURANCE

a.   In addition to Supplier's obligation to indemnify, Supplier agrees to
     maintain, at all times during performance of this Agreement, the following
     minimum insurance coverages and limits and any additional insurance and/or
     bonds required by Law: (a) Workers' Compensation insurance with benefits
     afforded under the Laws of the state in which Services are to be performed
     and Employers Liability insurance with minimum limits of $100,000 for
     Bodily Injury-each accident, $500,000 for Bodily Injury by disease-policy
     limits and $100,000 for Bodily Injury by disease-each employee; (b)
     Commercial General Liability insurance with minimum limits of: $2,000,000
     General Aggregate limit; $1,000,000 each occurrence sub-limit for all
     bodily injury or property damage incurred in any one occurrence; $1,000,000
     each occurrence sub-limit for Personal Injury and Advertising; $2,000,000
     Products/Completed Operations Aggregate limit, with a $1,000,000 each
     occurrence sub-limit for Products/Completed Operations. Fire Legal
     Liability sub-limits of $300,000 are required for lease agreements; (c) If
     use of a motor vehicle is required, Automobile Liability insurance with
     minimum limits of $1,000,000 combined single limits per occurrence for
     bodily injury and property damage, which coverage shall extend to all
     owned, hired, and non-owed vehicles.

b.   SBC and its Affiliated companies will be named as an Additional Insured on
     the Commercial General Liability policy. SBC requires that companies
     affording insurance coverage have a B+ VII or better rating, as rated in
     the A.M. Best Key rating Guide for Property and Casualty Insurance
     Companies. A certificate of insurance stating the types of insurance and
     policy limits provided the Supplier must be received prior to commencement
     of any work. If a certificate is not received, Supplier hereby authorizes
     SBC, and SBC has the right, but not the duty, to obtain such specified
     insurance on behalf of Supplier.

12. INVOICES AND PAYMENT

Supplier shall render invoices promptly after providing Material or performing
Services. SBC shall pay for Material and Services satisfactorily provided. SBC
has a right to withhold payment for any amount that is in dispute. SBC shall not
withhold amounts that are not in dispute. SBC may offset amounts owed Supplier
by any amount Supplier owes SBC. Invoices shall be sent to:

Michael Grasso

112 E Pecan Dr 2-F-40

San Antonio, TX 78205

13. LIMITATION OF LIABILITY

SBC and Supplier agree that regardless of the claim or the form in which any
legal or equitable action may be brought by SBC or Supplier against the other
party, SBC and Supplier shall not be liable for any indirect, special,
incidental, consequential, exemplary or punitive damages, including, without
limitation, loss of profits, promotional expenses, injury to reputation, or loss
of customers. Supplier shall not be liable for any damages arising from delay in
Delivery of Materials and/or Services, if such delays are due to force majeure.

                            Proprietary Information

The information contained in this Agreement is not for use or disclosure outside
SBC, Supplier, their affiliated companies and their third party representatives,
except under written Agreement by the contracting Parties.

                                       4

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                                                       Agreement Number 01021189

14. MARKING, PACKING, & SHIPPING

Unless SBC otherwise instructs, Supplier shall mark all Material with
appropriate identification in a conspicuous and readily accessible location,
properly pack, and include a packing slip with appropriate Material
identification, description, and Agreement number, all at no additional cost.
Supplier shall ship orders complete to SBC's designated site prepaid using a
reliable common carrier based on the lowest published price. Invoices for
Material shipped must include a copy of a bill of lading or freight bill.

15. NOTICES

a.  Except as otherwise provided in this Agreement or an applicable Order, all
    notices or other communications hereunder shall be deemed to have been duly
    given when made in writing and either (i) delivered in person, or (ii) when
    received, if provided via electronic communications, including, but not
    limited to, electronic mail and facsimile communications, or (iii) when
    received, if provided by an overnight or similar delivery service, or (iv)
    when received, if deposited in the United States Mail, postage prepaid,
    return receipt requested, and addressed as follows:

    CT Technology                          SBC
    3811 Turtle Creek Blvd Suite 770       2000 W Ameritech Center Dr Loc. 3B05F
    Dallas TX 75219                        Hoffman Estates, IL 60196
    Attn:  Steven Solomon                  Attn:  Todd Weiss
    Ssolomon@citadel.com Fax# 241 520 0034 tw8195@sbc.com Fax # 847 248-3725
    --------------------                   --------------

b.  The addresses and facsimile telephone number to which notices or
    communications may be given by either Party may be changed by written
    notice given by such Party to the other pursuant to this Section.

16. PUBLICITY

Supplier shall not use SBC's or its Affiliates' names or any language, pictures,
trademarks, service marks or symbols which could, in SBC's judgment, imply SBC's
or its Affiliates' identity or endorsement by SBC, its Affiliates or any of its
employees in any (i) written, electronic, or oral advertising or presentation or
(ii) brochure, newsletter, book, electronic database, or other written material
of whatever nature, without SBC's prior written consent (hereafter the terms in
these Subsections (i) and (ii) above shall be collectively referred to as
"Publicity Matters"). Supplier will submit to SBC for written approval, prior to
publication, all Publicity Matters that mention or display SBC's or its
Affiliates' names, trademarks or service marks or that contain any symbols,
pictures or language from which a connection to said names or marks may be
inferred or implied.

17. TAXES

The prices applicable to work under this Agreement shall include all taxes
except applicable state sales and use taxes, which taxes SBC will pay provided
they are added to the prices and stated as separate items on and at the time the
applicable invoice is submitted by Supplier.

18. TERM OF AGREEMENT

This Agreement is effective on the date the last Party signs and, unless
Terminated or Canceled as provided in this Agreement, shall remain in effect for
a term ending April 1, 2002.

19. TERMINATION

SBC may Terminate this Agreement in whole or in part upon written notice to
Supplier. Upon Termination, Supplier may invoice SBC for reasonable Termination
charges consisting of a percentage of the Order performed prior to Termination,
minus salvage value of any work Terminated. SBC's payment shall be considered a
complete and final discharge of any Liability as a result of such Termination.
No Termination charges shall apply to Material not specifically manufactured for
this Agreement if Termination occurs at least thirty (30) days prior to the
scheduled Delivery date.

20. TITLE & RISK OF LOSS

                            Proprietary Information

The information contained in this Agreement is not for use or disclosure outside
SBC, Supplier, their affiliated companies and their third party representatives,
except under written Agreement by the contracting Parties.

                                       5

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                                                       Agreement Number 01021189

Title and risk of loss shall pass to SBC upon Acceptance. If this Agreement
calls for Supplier to perform additional Services after Material has been
provided, such as unloading or installation, then Supplier will retain risk of
loss to Material until the additional Services have been Accepted.

21. WARRANTY

Supplier warrants that: (a) all Material and Services provided in connection
with this Agreement shall conform in all material repects to the Specifications;
(b) Services will be provided by qualified personnel, performed in a
professional manner, and to SBC's reasonable satisfaction; and if any Services
is dependent on the work of others, Supplier shall inspect such work and inform
SBC of any defects therein prior to commencing such Services; (c) all Material
and Services are and will remain free of any defects, liens, and encumbrances of
any kind; (d) Supplier shall be solely responsible and liable for all acts and
omissions of personnel it furnishes to perform work in connection with this
Agreement, and such personnel shall be solely considered employees or agents of
Supplier; (e) Supplier has not offered or provided any consideration to SBC's
employees as an inducement to enter into this Agreement; (f) If any Material
involves a Regulated Substance, Supplier shall notify SBC in writing prior to
performance. After Supplier's notification, SBC has a right to terminate any
affected Order, without Liability; and (g) Supplier shall cause all Services to
be performed in conformance with all applicable SBC work rules, including its
Code of Conduct (a copy of which is available upon request).

22. MISCELLANEOUS TERMS

Except as may otherwise be provided in this Agreement or in another document
signed by the Party against whom enforcement is asserted, the Parties agree
that: (a) SBC provides no license or right under any SBC property, patent,
copyright, service or trademark; (b) Supplier will maintain complete records
relating to performance of this Agreement in accordance with Generally Accepted
Accounting Principles, and Supplier will provide such records to SBC in order to
permit SBC to audit them to ensure Supplier's performance under this Agreement;
(c) Supplier will not assign or delegate its rights or duties; (d) SBC may
complete any Supplier work if Supplier is in default under this Agreement; (e)
Any remedy specified in this Agreement is in addition to any remedy the contract
Parties are entitled in law or equity; (f) If any part of this Agreement is
unenforceable, the Parties intend for the remaining parts to be enforced; and
(g) Any term which by its nature is intended to survive expiration, Termination
or Cancellation, shall so survive.

23. DISPUTE RESOLUTION

The Parties agree that any claim, cause of action or other dispute based upon or
arising out of this Agreement or Order and/or its breach, performance,
interpretation and/or application (a "Dispute") shall be conducted, decided,
determined and/or resolved pursuant to and in accordance with the provisions of
this Section 24. In the event of any Dispute, the Parties agree to attempt in
good faith to resolve their Dispute between themselves. If the Parties are
unable to settle their Dispute, they agree to submit the matter to non-binding
mediation. The Parties shall unanimously agree on a mediator. If the Parties are
unable to agree on a mediator, each Party shall select its own mediator from the
current list of certified mediators from the Association of Attorney-Mediators.
The mediators so selected shall then select a third independent mediator who
will conduct the mediation session(s). The mediator's fees will be borne equally
by both Parties. Unless the Parties agree otherwise, all matters, including the
conduct and demeanor of the Parties and their counsel during mediation, are
confidential and shall be inadmissible as settlement discussions pursuant to
Rule 408 of the Federal Rules of Evidence or the applicable state rules. If (i)
mediation is unsuccessful, (ii) the mediator declares an impasse or (iii) such
Dispute has not been resolved by mediation within 60 days of commencement of
mediation, then such Dispute shall be submitted to arbitration in accordance
with the remainder of this Section 24. Any such arbitration shall be conducted
under the following terms and conditions:

     a.   Arbitration will be under the Commercial Arbitration Rules of the
          American Arbitration Association. The arbitration proceedings will be
          conducted in Dallas, Texas.

     b.   In any arbitration there will be one arbitrator selected by the
          mediator who mediated the dispute in accordance with the above
          provisions, provided, that the arbitrator shall have knowledge of and
          experience in dealing with the corporate law and business agreements.

     c.   The award rendered in arbitration will be final and binding and may be
          enforced in any court of competent

                            Proprietary Information

The information contained in this Agreement is not for use or disclosure outside
SBC, Supplier, their affiliated companies and their third party representatives,
except under written Agreement by the contracting Parties.

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<PAGE>
                                                       Agreement Number 01021189

          jurisdiction.

     d.   Unless the arbitrator finds that exceptional circumstances require
          otherwise, each Party shall bear its own costs of arbitration,
          including attorneys' fees.

IN WITNESS WHEREOF, the Parties have caused this Agreement to be executed by
their duly authorized representatives:

CT Technology                                 SBC SERVICES, INC.
By:                                           By:
   --------------------------------------        -------------------------------
Printed Name:                                 Printed Name:
             ----------------------------                  ---------------------
Title:                                        Title:
      -----------------------------------           ----------------------------
Date:                                         Date:
     ------------------------------------          -----------------------------

                            Proprietary Information

The information contained in this Agreement is not for use or disclosure outside
SBC, Supplier, their affiliated companies and their third party representatives,
except under written Agreement by the contracting Parties.

                                       7<PAGE>

                                  EXHIBIT 10.14

                                  LOAN AGREEMENT
                                  --------------

                                      Between

FIRST CONSUMER CREDIT, INC.                         THE FROST NATIONAL BANK
12740 Hillcrest Plaza Drive,            and         100 W. Houston Street
Suite 240                                           San Antonio, Texas 78205
Dallas, Texas 75230

                                 October 2, 2001

     This LOAN AGREEMENT (the "Loan Agreement") will serve to set forth the
                               --------------
terms of the financing transactions by and between FIRST CONSUMER CREDIT, INC.,
a Texas corporation ("Borrower"), and THE FROST NATIONAL BANK, a national
                      --------
banking association ("Lender"):
                      ------

     1.   Credit Facility. Subject to the terms and conditions set forth in this
          ---------------
Loan Agreement and the other agreements, instruments and documents evidencing,
securing, governing, guaranteeing and/or pertaining to the Loans, as
hereinafter defined (collectively, together with the Loan Agreement, referred
to hereinafter as the "Loan Documents"), Lender agrees to lend to Borrower, on
                       --------------
a revolving basis from time to time during the period commencing on the date
hereof and continuing through March 1, 2003, such amounts as Borrower may
request hereunder; provided, however, the total principal amount outstanding at
                   --------  -------
any time shall not exceed the lesser of (i) the Collateral Value of the
Eligible Installment Contracts (as such terms are defined hereinbelow), or (ii)
$3,500,000 (the "Revolving Line of Credit"). Subject to the terms and
                 ------------------------
conditions hereof, Borrower may borrow, repay and reborrow hereunder. The sums
advanced under the Revolving Line of Credit shall be used to acquire
Installment Contracts, for working capital and other general corporate
purposes. All advances under the Revolving Line of Credit are sometimes
collectively referred to herein as the "Loan". Lender reserves the right to
require Borrower to give Lender not less than one (1) business day prior notice
of each requested advance under the Revolving Line of Credit, specifying (i)
the aggregate amount of such requested advance, (ii) the requested date of such
advance, and (iii) the purpose for such advance, with such advances to be
requested in a form satisfactory to Lender.

     If at any time the aggregate principal amount outstanding under the
Revolving Line of Credit shall exceed the Collateral Value of the Eligible
Installment Contracts, Borrower agrees to immediately repay to Lender such
excess amount, plus all accrued unpaid interest thereon. Borrower shall
immediately pay or cause to be paid to Lender the proceeds of any Installment
Contract sold or otherwise transferred.

     Prior to the occurrence of an Event of Default, upon delivery by Borrower
to Lender of a transmittal request substantially in the form attached hereto as
Exhibit 1 (a "Transmittal Request"), Lender will execute and deliver a
              -------------------
transmittal letter to the purchaser identified in the Transmittal Request in
substantially the form of Exhibit 2 (a "Bailee Letter"). All Installment
                                        -------------
Contracts delivered to any purchaser shall be delivered under cover of a Bailee
Letter, along with a copy of the applicable Transmittal Request. Borrower shall
direct all purchasers of any Installment Contracts to pay all amounts payable
on account of the sale of such Installment Contracts directly to Lender.
Borrower will not be credited for any amount due from any purchaser until
Lender has actually received immediately available funds.

     As used herein the following terms have the following meanings:

     "Collateral Value" means with respect to each Eligible Installment
      ----------------
Contract, as of the date of determination, 100% of the outstanding principal
balance of such Installment Contract.

     "Eligible Installment Contract" means an Installment Contract with respect
      -----------------------------
to which each of the following statements is accurate and complete (and
Borrower by including such Installment Contract in any computation of the
Collateral Value shall be deemed to so represent to Lender):

LOAN AGREEMENT - Page 1

<PAGE>

     (a)  such Installment Contract is a binding and valid obligation of the
debtor or obligor named therein to Borrower, ass holder of the Installment
Contract, in full force and effect and enforceable in accordance with its terms;

     (b)  such Installment Contract is genuine in all respects as appearing on
its face and as represented in the books and records of Borrower, and all
information set forth therein is true and correct;

     (c)  to the best knowledge of Borrower, such Installment Contract is free
of any default of any party thereto, offsets and defenses, including the
defense of usury, and from any rescission, cancellation or avoidance;

     (d)  such Installment Contract is free and clear of all security interests
and liens, except in favor of Lender;

     (e)  such Installment Contract complies in all respects with all
requirements of law applicable thereto, and any notice or act required by law
or regulation to be given or performed, in connection with such Installment
Contract has been given and performed in full;

     (f)  no payment under such Installment Contract is more than thirty (30)
days past due the payment due date set forth therein; and

     (g)  Borrower acquired such Installment Contract no more than 120 days
prior to the date of determination; and

     (h)  such Installment Contract is payable in monthly installments of
principal and interest, and requires a monthly payment which is sufficient to
amortize the original principal balance over the original term and to pay
interest at the related interest rate.

     "Installment Contract" means a consumer home improvement contract or loan
      --------------------
which is evidenced by an installment contract or similar agreement, and which
has been purchased by Borrower, together with the rights and obligations of a
holder thereof and payments thereon and proceeds therefrom.

     2.   Fees. In consideration of Lender's commitment to make advances under
          ----
this Loan Agreement and the related Note (as hereafter defined), Borrower will
pay to Lender a commitment fee of one-quarter of one percent (0.25%) of the
face amount of the Note on or about the date of the Note and, in any event,
prior to the date that the initial advance is made under this Loan Agreement
and the related Note and, if the Loan Agreement and Note are still in effect on
the anniversary date of the Note, an additional fee of one-eighth of one
percent (0.125%) of the face amount of the Note on said anniversary date.

     3.   Promissory Note. The Loan shall be evidenced by a promissory note
          ---------------
(whether one or more, together with any renewals, extensions, and increases
thereof, the "Note") duly executed by Borrower and payable to the order of
              ----
Lender, in form and substance acceptable to Lender. Interest on the Note shall
accrue at the rate set forth therein. The principal of and interest on the Note
shall be due and payable in accordance with the terms and conditions set forth
in the. Note and in this Loan Agreement.

     4.   Collateral. As collateral and security for the indebtedness evidenced
          ----------
by the Note and any and all other indebtedness or obligations from time to time
owing by Borrower to Lender, Borrower shall grant, and hereby grants, to
Lender, its successors and assigns, a first and prior lien and security
interest in and to the property described herein below, together with any and
all PRODUCTS AND PROCEEDS thereof (the "Collateral"):
                                        ----------

     (a)  All present and future Installment Contracts, accounts, chattel paper,
documents, instruments, deposit accounts and general intangibles (including any
right to payment for goods sold or services rendered

LOAN AGREEMENT - Page 2

<PAGE>

arising out of the sale or delivery of personal property or work done or labor
performed by Borrower), now or hereafter owned, held, or acquired by Borrower,
together with any and all agreements, documents, books of account, computer
programs, tapes, data, customer lists and other records relating in any way to
the foregoing.

     (b)  All equipment and fixtures of whatsoever kind and character now or
hereafter possessed, held, acquired, leased or owned by Borrower and used or
usable in Borrower's business, together with all replacements, accessories,
additions, substitutions and accessions to all of the foregoing.

     The term "Collateral" shall also include all records and data relating to
               ----------
any of the foregoing (including, without limitation, any computer software on
which such records and data may be located). Notwithstanding the generality of
the foregoing grant, it is hereby acknowledged and agreed that any rights of
Lender under this Agreement or the other Loan Documents in (i) any equipment
leased to Borrower or which was purchased by Debtor and was financed by Debtor
with the seller or said equipment or any other party shall be subject to and
inferior and subordinate to the rights of the applicable lessee or purchase
money lender in such equipment and (ii) any computer software of Borrower is
subject to the terms and conditions of any computer software license between
Borrower and the respective licensor. Lender acknowledges and agrees that
Borrower may, in the future, acquire or lease equipment and acquire computer
software in accordance with this Agreement. Borrower agrees to execute such
security agreements, assignments, deeds of trust and other agreements and
documents as Lender shall deem appropriate and otherwise require from time to
time to more fully create and perfect Lender's Lien and security interests in
the Collateral.

     Borrower agrees that within five (5) days of Lender's Written request
(whether or not any Event of Default exists), Borrower shall deliver to Lender
all Eligible Installment Contracts, together with the complete collateral file
of Borrower relating to each such Eligible Installment Contract, which files
shall include without limitation, assignments of related deeds of trust or
mortgages executed by an authorized signatory of Borrower in blank, in
recordable form. Upon Borrower's delivery to Lender of all Eligible Installment
Contract files and related documents, Lender shall safeguard and keep such
files and related documents in a safe and secure manner and shall continue to
maintain complete and accurate records regarding such files in a reasonable and
appropriate manner. Lender shall be deemed to have exercised reasonable care in
the custody of the Eligible, Installment Contract files and related documents
in its possession if such files and related documents are afforded treatment
substantially equal to that which Lender affords its own property.

     If an Event of Default shall occur and be continuing, Lender by notice
given in writing to Borrower (a "Termination Notice") may terminate all
                                 ------------------
servicing rights and obligations of Borrower with respect to the Eligible
Installment Contracts. Upon receipt by Borrower of such Termination Notice, all
servicing rights and obligations with respect to the Eligible Installment
Contracts automatically shall pass to C-Link (the "Successor Servicer"),
                                                   ------------------
provided that Successor Servicer shall have no liability with respect to any
claim based on any alleged action or inaction of Borrower. Borrower agrees to
cooperate with the Successor Servicer in effecting the termination of the
responsibilities and rights of Borrower with respect to the servicing,
including without limitation, the transfer to Successor Servicer of all files,
collection records and a computer tape in a readable form containing all
information necessary to enable Successor Servicer to service the Eligible
Installment Contracts. Borrower shall reimburse Lender and Successor Servicer
for all costs incurred by them in connection with a transfer of servicing from
Borrower to Successor Servicer, and Borrower shall reimburse Lender for all
servicing costs charged by Successor Servicer for the servicing of the Eligible
Installment Contracts.

     5.   Guarantor. As a condition precedent to the Lender's obligation to make
          ---------
the Loan to Borrower, Borrower agrees to cause U.S. Home Systems, Inc.
("Guarantor") to execute and deliver to Lender contemporaneously herewith a
  ---------
guaranty agreement (the "Guaranty"), in form and substance satisfactory to
                         --------
Lender.

     6.   Representations and Warranties. Borrower hereby represents and
          ------------------------------
warrants, and upon each request for an advance under the Revolving Line of
Credit further represents and warrants, to Lender as follows:

LOAN AGREEMENT - Page 3

<PAGE>

     (a)  Existence. Borrower is a corporation duly organized, validly existing
          ---------
and in good standing under the laws of the State of Texas and all other states
where it is doing business, and has all requisite power and authority to
execute and deliver the Loan Documents.

     (b)  Binding Obligations. The execution, delivery, and performance of this
          -------------------
Loan Agreement and all of the other Loan Documents by Borrower have been duly
authorized by all necessary action by Borrower, and constitute legal, valid and
binding obligations of Borrower, enforceable in accordance with their
respective terms, except as limited by Bankruptcy, insolvency or similar laws
of general application relating to the enforcement of creditors' rights and
except to the extent specific remedies may generally be limited by equitable
principles.

     (c)  No Consent. The execution, delivery and performance of this Loan
          ----------
Agreement and the other Loan Documents, and the consummation of the
transactions contemplated hereby and thereby, do not (i) conflict with, result
in a, violation of, or constitute a default under (A) any provision of its
articles or certificate of incorporation or bylaws, or any agreement or other
instrument binding upon Borrower, or (B) any law, governmental regulation,
court decree or order applicable to Borrower, or (ii) require the consent,
approval or authorization of any third party.

     (d)  Financial Condition. Each financial statement of Borrower supplied to
          -------------------
the Lender truly discloses and fairly presents Borrower's financial condition
as of the date of each such statement. There has been no material adverse
change in such financial condition or results of operations of Borrower
subsequent to the date of the most recent financial statement supplied to
Lender.

     (e)  Litigation. There are no actions, suits or proceedings, pending or, to
          ----------
the knowledge of Borrower, threatened against or affecting Borrower or the
properties of Borrower in which a claim for damages or other affirmative relief
has been asserted against Borrower by any third party, before any court or
governmental department, commission or board, which, if determined adversely to
Borrower, either could reasonably be expected to result in a money judgment of
$50,000 per action, suit or proceeding or an aggregate amount of $100,000 for
all such actions, suits and proceedings.

     (f)  Taxes; Governmental Charges. Borrower has filed all federal, state and
          ---------------------------
local tax reports and returns required by any law or regulation to be filed by
it and has either duly paid all taxes, duties and charges indicated due on the
basis of such returns and reports, or made adequate provision for the payment
thereof, and the assessment of any material amount of additional taxes in
excess of those paid and reported is not reasonably expected.

     7.   Conditions Precedent to Advances. Lender's obligation to make the
          --------------------------------
first advance hereunder shall be subject to, in addition to the conditions
specified below, delivery to Lender of the following, in form and substance
satisfactory to Lender:

     (a)  a counterpart of this Agreement;

     (b)  the Note;

     (c)  the Security Agreement of even date herewith between Borrower and
Lender (the "Security Agreement");
             ------------------

     (d)  the Guaranty;

     (e)  an opinion of counsel for Borrower and Guarantor;

     (f)  a Borrowing Base Certificate, certified by the president of Borrower;

LOAN AGREEMENT - Page 4

<PAGE>

     (g)  termination of any commitment of First Savings Bank to advance funds
to Borrower;

     (h)  true and correct copies of the purchase agreement pursuant to which
Guarantor is purchasing First Consumer Credit LLC;

     (i)  true and correct copies of the assignment documents executed by
Guarantor in favor of Borrower, pursuant to which Guarantor assigned to
Borrower all Installment Contracts acquired from First Consumer Credit LLC;

     (j)  true and correct copies of the merger documents pursuant to which
First Consumer Credit LLC is merged into Borrower with Borrower being the
surviving entity; and

     (k)  such other documents as Lender may reasonably request.

     Lender's obligation to make any advance (including the first) under this
Loan Agreement and the other Loan Documents shall be subject to the conditions
precedent that as of the date of such advance and after giving effect thereto
(a) all representations and warranties made to Lender in this Loan Agreement
and the other Loan Documents shall be true and correct, as of and as if made on
such date, (b) no material adverse change in the financial condition of
Borrower since the effective date of the most recent financial statements
furnished to Lender by Borrower shall have occurred and be continuing, (c) no
event has occurred and is continuing, or would result from the requested
advance, which with notice or lapse of time, or both, would constitute an Event
of Default (as hereinafter defined), and (d) Lender's receipt of a borrowing
base certificate as of the date of Borrower's request for such advance, with
the following attached thereto: (i) a listing of all Installment Contracts
purchased by Borrower since the date of the last report delivered to Lender
pursuant to Section 10(e); (ii) a listing of all Installment Contracts sold by
Borrower since the date of the last report delivered to Lender pursuant to
Section 10(e); and (iii) an Installment Contract aging report dated as of the
date of Borrower's request for such advance.

     7A.  Additional Conditions Precedent to Advances. Lender's obligations to
          -------------------------------------------
make advances hereunder (other than the first and advances requested prior to
Lender's inspection of the Collateral in accordance with Paragraph 7A(a) below)
shall be subject to, in addition to the conditions specified above the
following:

          (a) Borrower agrees to permit Lender to visit its properties to
     conduct a collateral review within thirty (30) days from the date hereof
     In the event Lender determines, in its sole and absolute discretion, that
     the Collateral is not satisfactory, Lender shall have no further
     obligation to make any advances hereunder, and the entire principal amount
     outstanding under the Revolving Line of Credit shall become due and
     payable upon Lender's written notice to Borrower. If Lender determines,
     after its collateral review conducted in accordance with this Paragraph
     7A, that the Collateral is not satisfactory, Lender shall notify Borrower,
     in writing, within three (3) business days after completing such
     collateral review of the reasons for Lender's determination that the
     Collateral is not satisfactory and provide Borrower a reasonable
     opportunity to resolve such deficiencies and/or problems; provided that
     during such period of time, Lender shall have no obligations to make any
     advances hereunder. If Borrower is able to resolve such deficiencies
     and/or problems to the satisfaction of Lender within thirty (30) days
     after delivery of such notification, then Borrower shall recommence making
     advances to Borrower in accordance with this Loan Agreement and the other
     Loan Documents.

     (l)  Within thirty (30) days from the date hereof, Borrower shall have
delivered to Lender a fully executed Lessor's Acknowledgment and Subordination
in form and substance satisfactory to Lender in accordance with Section 4(e) of
the Security Agreement.

LOAN AGREEMENT - Page 5

<PAGE>

     (m)  Within thirty (30) days from the date hereof, Borrower, Lender and
Successor Servicer shall have entered into a servicing agreement in form and
substance satisfactory to Lender.

     8.   Affirmative Covenants. Until (i) the Note as of the date of Borrower's
          ---------------------
request for such advance and all other obligations and liabilities of Borrower
under this Loan Agreement and the other Loan Documents are fully paid and
satisfied, and (ii) the Lender has no further commitment to lend hereunder,
Borrower agrees and covenants that it will, unless Lender shall otherwise
consent in writing:

     (a)  Accounts and Records. Maintain its books and records in accordance
          --------------------
with generally accepted accounting principles.

     (b)  Right of Inspection. Permit Lender to visit its properties and
          -------------------
installations and to examine, audit and make and take away copies or
reproductions of Borrower's books and records, at all reasonable times;
provided that, so long as no Event of Default is continuing, Lender shall give
Borrower three (3) days' prior notice of the date and time of such visit.
Borrower agrees to permit Lender, or its authorized representatives to audit
the Installment Contracts from time to time, provided that so long as no Event
of Default has occurred and is continuing, Lender shall not conduct more than
one such audit in each calendar quarter and each such audit shall be conducted
solely at Lender's expense. So long as no Event of Default is continuing,
Lender shall provide Borrower three (3) days' prior notice of the date and time
of any such audit. During the continuation of any Event of Default, all visits,
inspections and audits conducted by Lender pursuant to this paragraph shall be
conducted at Borrower's expense.

     (c)  Right to Additional Information. Furnish Lender with such additional
          -------------------------------
information and statements, lists of assets and liabilities, tax returns, and
other reports with respect to Borrower's financial condition and business
operations as Lender may reasonably request from time to time.

     (d)  Compliance with Laws. Conduct its business in an orderly and efficient
          --------------------
manner consistent with good business practices, and perform and comply with all
statutes, rules, regulations and/or ordinances imposed by any governmental unit
upon Borrower and its businesses, operations and properties (including without
limitation, all applicable environmental statutes, rules, regulations and
ordinances).

     (e)  Taxes. Pay and discharge when due all of its indebtedness and
          -----
obligations, including without limitation, all assessments, taxes. governmental
charges, levies and liens, of every kind and nature, imposed upon Borrower or
its properties, income, or profits, prior to the date on which penalties would
attach, and all lawful claims that, if unpaid, might become a lien or charge
upon any of Borrower's properties, income, or profits; provided, however,
Borrower will not be required to pay and discharge any such assessment, tax,
charge, levy, lien or claim so long as (i) the legality of the same shall be
contested in good faith by appropriate judicial, administrative or other legal
proceedings, and (ii) Borrower shall have established on its books adequate
reserves with respect to such contested assessment, tax, charge, levy, lien or
claim in accordance with generally accepted accounting principles, consistently
applied.

     (f)  Insurance. Maintain insurance, including but not limited to, fire
          ---------
insurance, comprehensive property damage, public liability and worker's
compensation insurance.

     (g)  Notice of Indebtedness. Promptly inform Lender should Borrower assume,
          ----------------------
incur, create or take any amount of indebtedness for borrowed money in excess
of $50,000, other than obligations relative to the leasing of office space or
other real property in connection with Borrower's business operations, the
purchase or lease of office equipment, or employment contracts entered into in
the ordinary course of its business.

     (h)  Notice of Litigation. Promptly after the commencement thereof, notify
          --------------------
Lender of all actions, suits and proceedings filed in any court or any
governmental department, commission or board in which a claim for damages has
been made or asserted against Borrower or any of its properties and, if
adversely

LOAN AGREEMENT - Page 6

<PAGE>

determined, could result in a money judgment in excess of $50,000, or when
aggregated with all such other actions, suits and proceedings result in an
aggregate money judgment in excess of $100,000.

     (i)  Notice of Material Adverse Change. Promptly inform Lender of (i) any
          ---------------------------------
and all material adverse changes 'in Borrower's financial condition, and (ii)
all claims made against Borrower which could materially affect the financial
condition of Borrower.

     (j)  Additional Documentation. Execute and deliver, or cause to be executed
          ------------------------
and delivered, any and all other agreements, instruments or documents which
Lender may reasonably request in order to give effect to the transactions
contemplated under this Loan Agreement and the other Loan Documents.

     9.   Negative Covenants. Until (i) the Note and all other obligations and
          ------------------
liabilities of Borrower under this Loan Agreement and the other Loan Documents
are fully paid and satisfied, and (ii) the Lender has no further commitment to
lend hereunder, Borrower will not, without the prior written consent of Lender:

     (a)  Nature of Business. Make any material change in the nature of its
          ------------------
business as carried on as of the date hereof.

     (b)  Liquidations, Mergers, Consolidations. Liquidate, merge or consolidate
          -------------------------------------
with or into any other entity; provided that concurrently herewith, Borrower
has merged with First Consumer Credit LLC, with Borrower being the surviving
entity.

     (c)  Sale of Assets. Sell, transfer or otherwise dispose of any of its
          --------------
assets or properties, other than in the ordinary course of business.

     (d)  Liens. Create or incur any hen or encumbrance on any of its assets,
          -----
other than (i) liens and security interests securing indebtedness owing to
Lender, (ii) liens for taxes, assessments or similar charges that are (1) not
yet due or (2) being contested in good faith by appropriate proceedings and for
which Borrower has established adequate reserves, and (iii) liens and security
interests existing as of the date hereof which have been disclosed to and
approved by Lender in writing, and (iv) liens on office equipment and furniture
acquired, purchased, or leased by Borrower in the ordinary course of its
business operations, to the extent that such hens relate to indebtedness that
does not exceed $50,000.

     (e)  Indebtedness. Create, incur or assume any indebtedness for borrowed
          ------------
money or issue any other note, debenture, bond or other evidences of
indebtedness, or guarantee any such indebtedness or such evidences of
indebtedness of others, in excess of $50,000, other than (i) borrowings from
Lender, (ii) borrowings outstanding on the date of this Loan Agreement and
disclosed in writing to Lender (including without limitation, the indebtedness
owed by Borrower to Guarantor in the amount of $________), (iii) borrowings
relative to the leasing of office space or other real property in connection
with Borrower's business operations, (iv) subject to the limitations set forth
in Paragraph 9(d) above, the purchase or leasing of office equipment or
furniture in the ordinary course of its business, and (v) employment contracts
in the ordinary course of its business.

     (f)  Transfer of Ownership. Permit the sale, pledge or other transfer of
          ---------------------
any of the ownership interests in Borrower.

     (g)  Loans. Make any loans to any person or entity except for loans made in
          -----
the ordinary course of Borrower's business and loans made to employees of
Borrower that in the aggregate do not exceed $100,000.

     (h)  Transactions with Affiliates. Enter into any transaction, including,
          ----------------------------
without limitation, the purchase, sale or exchange of property or the rendering
of any service, with any Affiliate (as hereinafter defined) of Borrower, except
in the ordinary course of and pursuant to the reasonable requirements of
Borrower's business and upon fair and reasonable terms no less favorable to
Borrower than would be obtained

LOAN AGREEMENT - Page 7

<PAGE>

in a comparable arm's-length transaction with a person or entity not an
Affiliate of Borrower. As used herein, the term "Affiliate" means any
                                                 ---------
individual or entity directly or indirectly controlling, controlled by, or
under common control with, another individual or entity.

     (i)  Dividends. Borrower agrees not to declare or pay any dividends on any
          ---------
shares of Borrower's capital stock, make any other distributions with respect
to any payment on account of the purchase, redemption, or other acquisition or
retirement of any shares of Borrower's capital stock, or make any other
distribution, sale, transfer or lease of any of Borrower's assets other than in
the ordinary course of business, unless any such amounts are directly utilized
for the payment of principal or interest on indebtedness and obligations owing
from time to time by Borrower to Lender.

     10.  Financial Covenant. Until (i) the Note and all other obligations and
          ------------------
liabilities of Borrower under this Loan Agreement and the other Loan Documents
are fully paid and satisfied, and (ii) the Lender has no further commitment to
lend hereunder, Borrower will maintain as of the end of each calendar month for
the twelve consecutive month period ending on such date, a ratio of (a)
earnings before interest and taxes for such twelve month period, to (b)
interest expense for such twelve month period, of not less than 1.5 to 1.0.

     11.  Reporting Requirement. Until (i) the Note and all other obligations
          ---------------------
and liabilities of Borrower under this Loan Agreement and the other Loan
Documents are fully paid and satisfied, and (ii) the Lender has no further
commitment to lend hereunder, Borrower will, unless Lender shall otherwise
consent in writing, furnish to Lender:

     (a)  Interim Financial Statements. As soon as available, and in any event
          ----------------------------
within thirty (30) days after the end of each calendar month, a balance sheet
and income statement of Borrower as of the end of such month, all in form and
substance and in reasonable detail satisfactory to Lender and duly certified
(subject to year-end review adjustments) by the President of Borrower (i) as
being true and correct in all material aspects to the best of his or her
knowledge and (ii) as having been prepared in accordance with generally
accepted accounting principles, consistently applied.

     (b)  Annual Financial Statements. As soon as available and in any event
          ---------------------------
within 120 days after the end of each fiscal year of Borrower, a balance sheet
and income statement of Borrower as of the end of such fiscal year, in each
case audited by independent public accountants of recognized standing
acceptable to Lender as part of the audit of Guarantor. The parties to this
Loan Agreement understand, acknowledge, and agree that, as a wholly owned
subsidiary of Guarantor, Borrower's financial statement, balance sheet, and
other records are reviewed and audited by an independent public accounting firm
as part of the audit of Guarantor. No separate audit of Borrower is conducted,
nor shall such separate audit be required under this Loan Agreement or the
other Loan Documents.

     (c)  Compliance Certificate. A certificate signed by the President of
          ----------------------
Borrower, within thirty (30) days after the end of each calendar month stating
that, to the best of said person's knowledge, the Borrower is in full
compliance with all of its material obligations under this Loan Agreement and
all other Loan Documents and is not in default of any material term or
provisions hereof or thereof, and is in compliance with all financial ratios
and covenants set forth in this Loan Agreement.

     (d)  Borrowing Base Certificate. A borrowing base certificate substantially
          --------------------------
in the form attached hereto as Exhibit 3, signed by the President of Borrower,
within fifteen (15) days after the end of each calendar month.

     (e)  Installment Contract Aging. An Installment Contract aging report
          --------------------------
within fifteen (15) days after the end of each calendar month, together with a
list of all Installment Contracts then owned by Borrower, each in form and
detail satisfactory to Lender.

LOAN AGREEMENT - Page 8

<PAGE>

     12.  Events of Default. Each of the following shall constitute an "Event
          -----------------                                             -----
of Default" under this Loan Agreement:
----------

     (a)  The failure, refusal or neglect of Borrower to pay any part of the
principal of, or interest on, the Notes or any other indebtedness or,
obligations owing to Lender by Borrower from time to time within five (5) days
after the same becomes due.

     (b)  The failure of Borrower or any Obligated Party (as defined below) to
timely and properly observe, keep or perform any covenant agreement, warranty
or condition under subparagraph 8(i) or Paragraph 9.

     (c)  The occurrence of an event of default under any of the other Loan
Documents or under any other agreement now existing or hereafter arising
between Lender and Borrower, and the same is not remedied within the applicable
period of grace (if any) provided in such Loan Documents.

     (d)  The failure (other than as referred to in subparagraphs (a), (b) or
(c) above) of Borrower or any Obligated Party to timely and properly observe,
keep or perform any covenant, agreement, warranty or condition required herein
or in any of the other Loan Documents, and such failure remains unremedied for
a period of thirty (30) days after notice of such failure is given by Lender to
Borrower.

     (e)  Any representation contained herein or in any of the other Loan
Documents made by Borrower or any Obligated Party is false or misleading in any
material respect.

     (f)  The occurrence of any event which permits the acceleration of the
maturity of any indebtedness in excess of $50,000 owing by Borrower to any
third party under any agreement or understanding.

     (g)  If Borrower or any Obligated Party: (i) becomes insolvent, or makes a
transfer in fraud of creditors, or makes an assignment for the benefit of
creditors, or admits in writing its inability to pay its debts as they become
due; (ii) generally is not paying its debts as such debts become due; (iii) has
a receiver, trustee or custodian appointed for, or take possession or, all or
substantially all of the assets of such party, either in a proceeding brought
by such party or in a proceeding brought against such party and such
appointment is not discharged or such possession is not terminated within sixty
(60) days after the effective date thereof or such party consents to or
acquiesces in such appointment or possession; (iv) files a petition for relief
under the United States Bankruptcy Code or any other present or future federal
or state insolvency, bankruptcy or similar laws (all of the foregoing
hereinafter collectively called "Applicable Bankruptcy Law") or an involuntary
                                 -------------------------
petition for relief is filed against such party under any Applicable Bankruptcy
Law and such involuntary petition is not dismissed within sixty (60) days after
the filing thereof, or an order for relief naming such party is entered under
any Applicable Bankruptcy Law, or any composition, rearrangement, extension,
reorganization or other relief of Borrowers now or hereafter existing is
requested or consented to by such party; (v) fails to have discharged within a
period of thirty (30) days any attachment, sequestration or similar writ levied
upon any property of such party; or (vi) fails to pay within thirty (30) days
any final money judgment against such party.

     (h)  If Borrower or any Obligated Party is an entity, the liquidation,
dissolution, merger or consolidation of any such entity or, if Borrower or any
Obligated Party is an individual, the death or legal incapacity of any such
individual.

     (i)  The entry of any judgment against Borrower or the issuance or entry of
any attachment or other lien against any of the property of Borrower for an
amount in excess of $100,000, if undischarged, unbonded or undismissed within
thirty (30) days after such entry.

LOAN AGREEMENT - Page 9

<PAGE>

     (j)  Murray Gross ceases to be and act as Chief Executive Officer of
Guarantor for any reason other than his death or permanent disability.

     Nothing contained in this Loan Agreement shall be construed to limit the
events of default enumerated in any of the other Loan Documents and all such
events of default shall be cumulative. The term "Obligated Party", as used
                                                 ---------------
herein, shall mean any party other than Borrower who secures, guarantees and/or
is otherwise obligated to pay all or any portion of the indebtedness evidenced
by the Notes.

     13.  Remedies. Upon the occurrence and continuation of any one or more of
          --------
the foregoing Events of Default, (a) the entire unpaid balance of principal of
the Note, together with all accrued but unpaid interest thereon, and all other
indebtedness owing to Lender by Borrower at such time shall, at the option of
Lender, become immediately due and payable without farther notice, demand,
presentation, notice of dishonor, notice of intent to accelerate, notice of
acceleration, protest or notice of protest of any kind, all of which are
expressly waived by Borrower, and (b) Lender may, at its option, cease further
advances under any of the Note. All rights and remedies of Lender set forth in
this Loan Agreement and in any of the other Loan Documents may also be
exercised by Lender, at its option to be exercised in its sole discretion, upon
the occurrence and continuation of an Event of Default.

     14.  Rights Cumulative. All rights of Lender under the terms of this Loan
          -----------------
Agreement shall be cumulative of, and in addition to, the rights of Lender
under any and all other agreements between Borrower and Lender (including, but
not limited to, the other Loan Documents), and not in substitution or
diminution of any rights now or hereafter held by Lender under the terms of any
other agreement.

     15.  Waiver and Agreement. Neither the failure nor any delay on the part
          --------------------
of Lender to exercise any right, power or privilege herein or under any of the
other Loan Documents shall operate as a waiver thereof, nor shall any single or
partial exercise of such right, power or privilege preclude any other or
further exercise thereof or the exercise of any other right, power or
privilege. No waiver of any provision in this Loan Agreement or in any of the
other Loan Documents and no departure by Borrower therefrom shall be effective
unless the same shall be in writing and signed by Lender, and then shall be
effective only in the specific instance and for the purpose for which given and
to the extent specified in such writing. No modification or amendment to this
Loan Agreement or to any of the other Loan Documents shall be valid or
effective unless the same is signed by the party against whom it is sought to
be enforced.

     16.  Benefits. This Loan Agreement shall be binding upon and inure to the
          --------
benefit of Lender and Borrower, and their respective successors and assigns,
provided, however, that Borrower may not, without the prior written consent of
Lender, assign any rights, powers, duties or obligations under this Loan
Agreement or any of the other Loan Documents.

     17.  Notices. All notices, requests, demands or other communications
          -------
required or permitted to be given pursuant to this Agreement shall be in
writing and given by (i) personal delivery, (ii) expedited delivery service
with proof of delivery, or (iii) United States mail, postage prepaid,
registered or certified mail, return receipt requested, sent to the intended
addressee at the address set forth on the first page hereof and shall be deemed
to have been received either, in the case of personal delivery, as of the time
of personal delivery, in the case of expedited delivery service, as of the date
of first attempted delivery at the address and in the manner provided herein,
or in the case of mail, upon deposit in a depository receptacle under the care
and custody of the United States Postal Service. Either party shall have the
right to change its address for notice hereunder to any other location within
the continental United States by notice to the other party of such new address
at least thirty (30) days prior to the effective date of such new address.

     18.  Construction. This Loan Agreement and the other Loan Documents have
          ------------
been executed and delivered in the State of Texas, shall be governed by and
construed in accordance with the laws of the State of Texas, and shall be
performable by the parties hereto in the county in Texas where the Lender's
address set forth on the first page hereof is located.

LOAN AGREEMENT - Page 10

<PAGE>

     19.  Invalid Provisions. If any provision of this Loan Agreement or any of
          ------------------
the other Loan Documents is held to be illegal, invalid or unenforceable under
present or future laws, such provision shall be fully severable and the
remaining provisions of this Loan Agreement or any of the other Loan Documents
shall remain in full force and effect and shall not be affected by the illegal,
invalid or unenforceable provision or by its severance.

     20.  Expenses. Borrower shall pay all costs and expenses (including,
          --------
without limitation, reasonable attorneys' fees) in connection with any action
in the enforcement of Lender's rights upon the occurrence of Event of Default.

     21.  Participation of the Loans. Borrower agrees that Lender may, at its
          --------------------------
option, sell interests in the Loans and its rights under this Loan Agreement to
a financial institution or institutions and, in connection with each such sale,
Lender may disclose any financial and other information available to Lender
concerning Borrower to each prospective purchaser.

     22.  Conflicts. In the event any term or provision hereof is inconsistent
          ---------
with or conflicts with any provision of the other Loan Documents, the terms and
provisions contained in this Loan Agreement shall be controlling.

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

     24.  Facsimile Documents and Signatures. For purposes of negotiating and
          ----------------------------------
finalizing this Loan Agreement, if this document or any document executed in
connection with it is transmitted by facsimile machine ("fax"), it shall be
                                                         ---
treated for all purposes as an original document. Additionally, the signature
of any party on this document transmitted by way of a facsimile machine shall
be considered for all purposes as an original signature. Any such faxed
document shall be considered to have the same binding legal effect as an
original document. At the request of any party, any faxed document shall be
re-executed by each signatory party in an original form.

     If the foregoing correctly sets forth our mutual agreement, please so
acknowledge by signing and returning this Loan Agreement to the undersigned.

                        NOTICE TO COMPLY WITH STATE LAW

     For the purpose of this Notice, the term "WRITTEN AGREEMENT" shall include
the document set forth above, together with each and every other document
relating to and/or securing the same loan transaction, regardless of the date
of execution.

     THIS WRITTEN AGREEMENT REPRESENTS THE FINAL AGREEMENT BETWEEN THE PARTIES
AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR
SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES.

     THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES.

LOAN AGREEMENT - Page 11

<PAGE>

BORROWER:                                  LENDER:
--------                                   ------

FIRST CONSUMER CREDIT, INC.                THE FROST NATIONAL BANK,
                                           a national banking association

By:______________________________          By:_________________________________
Name:____________________________          Name:_______________________________
Title:___________________________          Title:______________________________

LOAN AGREEMENT - Page 12

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