Document:

<PAGE>
                                                                    Exhibit 10.2

                              WAIVER AND AMENDMENT

                                       TO

                             NOTE PURCHASE AGREEMENT
                         DATED AS OF SEPTEMBER 30, 2003

                                                        As of September 30, 2005

TO EACH OF THE PERSONS LISTED IN THE ATTACHED SCHEDULE 1
(EACH, A "CURRENT NOTEHOLDER")

Ladies and Gentlemen:

     Crawford & Company, a Georgia corporation (together with its successors and
assigns, the "COMPANY") and Crawford & Company International, Inc., a Georgia
corporation (together with its successors and assigns, the "CO-OBLIGOR" and
together with the Company, the "OBLIGORS") jointly and severally agree with you
as follows:

1.   NOTE ISSUANCE, ETC.

          (a) The Obligors jointly and severally issued and sold $50,000,000
     aggregate principal amount of their joint and several 6.08% Senior
     Guarantied Notes due October 10, 2010 (the "NOTES"), pursuant to that
     certain Note Purchase Agreement dated as of September 30, 2003 by and among
     the Obligors and each of the Current Noteholders (prior to the amendments
     effected hereby, the "EXISTING AGREEMENT" and, immediately after giving
     effect to such amendments, and as may be further amended, restated or
     otherwise modified from time to time, the "AMENDED AGREEMENT").

          (b) The register for the registration and transfer of the Notes
     indicates that the Current Noteholders are currently the holders of the
     entire outstanding principal amount of the Notes.

2.   DEFINED TERMS.

     "COMPANY'S HEADQUARTERS' SALE/LEASEBACK TRANSACTION" means a transaction to
be entered into by the Company after the Effective Date pursuant to which the
Company will sell its corporate headquarters located at 5620 Glenridge Drive,
Atlanta, Georgia, and contemporaneously lease property to be used as the

<PAGE>

Company's corporate headquarters; provided, that (i) such Sale and Leaseback
Transaction is consummated no later than June 30, 2006, (ii) prior to the
consummation of such sale, replacement offices have been leased or purchased,
(iii) the Company receives gross cash proceeds of not less than $10,000,000 in
connection with such sale, (iv) no Default or Event of Default exists
immediately prior to such Sale and Leaseback Transaction or will result after
giving effect to such Sale and Leaseback Transaction and (v) the terms and
conditions of the lease of such property are reasonably acceptable to the
Required Holders.

     Capitalized terms used herein and not otherwise defined herein have the
meanings ascribed to them in the Amended Agreement.

3.   WAIVERS.

     3.1. COMPANY'S HEADQUARTERS' SALE/LEASEBACK TRANSACTION. With respect to
the Company's Headquarters' Sale/Leaseback Transaction, and with respect to such
proposed transaction only, the Current Noteholders hereby (i) waive the
requirement set forth in Section 10.4(c)(i) of the Existing Agreement, provided,
however, that the Disposition Value of the property sold in such transaction
shall be included when calculating the aggregate Disposition Value of all Asset
Dispositions, pursuant to Section 10.4(c)(i) and Section 10.4(c)(ii), with
respect to any subsequent Asset Disposition, and (ii) agree that the lease
portion of the Company's Headquarters' Sale/Leaseback Transaction shall not
constitute an "Investment" under the Amended Agreement.

     3.2. WAIVER OF EVENT OF DEFAULT. The Current Noteholders hereby waive the
Event of Default under the Existing Agreement arising solely by virtue of the
failure by the Obligors to dissolve Brocklehursts, Inc. as required by Section
9.10 of the Existing Agreement. The Obligors acknowledge and agree that the
foregoing waiver shall not waive (or be deemed to be or constitute a waiver of)
any other covenant, term or provision in the Existing Agreement or the Amended
Agreement, or hinder, restrict or otherwise modify the rights and remedies of
the Current Noteholders and the Agent with respect to any other existing Event
of Default (if any) or any future Default or Event of Default under the Amended
Agreement or any other Financing Document.

4.   AMENDMENTS.

     Subject to Section 6, the Existing Agreement is amended as provided for by
this Waiver and Amendment in the manner specified in Exhibit A (collectively,
the "AMENDMENTS").

5.   WARRANTIES AND REPRESENTATIONS.

     To induce the Current Noteholders to enter into this Waiver and Amendment
and to consent to the Amendments, the Obligors warrant and represent as follows

                                        2

<PAGE>

(it being agreed, however, that nothing in this Section 5 shall affect any of
the warranties and representations previously made by the Obligors in or
pursuant to the Existing Agreement, and that all of such other warranties and
representations, as well as the warranties and representations in this Section
5, shall survive the effectiveness of the Amendments):

     5.1. ORGANIZATION; POWER AND AUTHORITY.

     Each Obligor is duly organized, validly existing and in good standing under
the laws of Georgia, and is duly qualified as a foreign corporation and in good
standing in each jurisdiction in which such qualification is required by law,
other than those jurisdictions as to which the failure to be so qualified or in
good standing would not, individually or in the aggregate, reasonably be
expected to have a Material Adverse Effect. Each Obligor has the corporate power
and authority to execute and deliver this Waiver and Amendment and to perform
the provisions hereof.

     5.2. AUTHORIZATION, ETC.

     This Waiver and Amendment has been duly authorized by all necessary
corporate action on the part of each Obligor and constitutes a legal, valid and
binding obligation of each Obligor enforceable against each Obligor, jointly and
severally, in accordance with its terms, except as such enforceability may be
limited by (a) applicable bankruptcy, insolvency, reorganization, moratorium or
other similar laws affecting the enforcement of creditors' rights generally and
(b) general principles of equity (regardless of whether such enforceability is
considered in a proceeding in equity or at law).

     5.3. COMPLIANCE WITH LAWS, OTHER INSTRUMENTS, ETC.

     The execution, delivery and performance by the Obligors of this Waiver and
Amendment will not (a) contravene, result in any breach of, or constitute a
default under, or result in the creation of any Lien in respect of any property
of the Obligors or any Subsidiary of the Company under, any applicable
indenture, mortgage, deed of trust, loan, purchase or credit agreement, lease,
corporate charter or by-laws, or any other applicable agreement or instrument to
which the Company, the Co-Obligor or any Subsidiary of the Company, or any of
their respective properties, may be bound or affected, (b) conflict with or
result in a breach of any of the terms, conditions or provisions of any order,
judgment, decree, or ruling of any court, arbitrator or Governmental Authority
applicable to the Obligors or any Subsidiary of the Company or (c) violate any
provision of any statute or other rule or regulation of any Governmental
Authority applicable to the Obligors or any Subsidiary of the Company.

     5.4. DISCLOSURE OF DEFAULTS.

                                        3

<PAGE>

     After giving effect to this Waiver and Amendment, no event will have
occurred and no condition will exist which would constitute a Default or an
Event of Default under the Amended Agreement.

     5.5. FULL DISCLOSURE.

     Neither the financial statements and other certificates previously provided
to the Current Noteholders pursuant to the provisions of the Existing Agreement
nor the statements made in this Waiver and Amendment nor any other written
statements furnished by or on behalf of the Obligors to the Current Noteholders
in connection with the proposal and negotiation hereof, taken as a whole,
contain any untrue statement of a material fact or omit a material fact
necessary to make the statements contained therein and herein not misleading.

     5.6. NO MATERIAL ADVERSE CHANGE.

     Since December 31, 2004, there has been no change in the financial
condition, operations, business, properties or prospects of the Obligors or any
Subsidiary of the Company except changes that, in the aggregate, could not
reasonably be expected to have a Material Adverse Effect.

6.   EFFECTIVENESS OF AMENDMENTS.

     This Waiver and Amendment shall become effective as of September 30, 2005
(the "EFFECTIVE DATE"), provided that

     (i) the Company and the Required Holders shall have indicated their written
consent hereto by executing and delivering to each other counterparts hereof;
and

     (ii) each Current Noteholder shall have received a fully executed copy of
that certain First Amended and Restated Credit Agreement, dated as of September
30, 2005, among the Obligors, the lenders party thereto, and SunTrust Bank, as
Agent.

7.   EXPENSES

     Whether or not this Waiver and Amendment becomes effective, the Company
will promptly (and in any event within thirty (30) days of receiving any
statement or invoice therefor) pay all reasonable fees, expenses and costs
relating to this Waiver and Amendment, including, but not limited to, (a) the
cost of reproducing this Waiver and Amendment and the other documents delivered
in connection herewith and (b) the reasonable fees and disbursements of the
Current Noteholders' special counsel, Bingham McCutchen LLP, incurred in
connection with the preparation, negotiation and delivery of this Waiver and
Amendment. Nothing in this Section 7 shall be construed to limit the Company's
obligations under Section 15.1 of the Existing Agreement.

                                        4

<PAGE>

8.   MISCELLANEOUS.

     8.1. EFFECT OF THIS WAIVER AND AMENDMENT.

     Except as expressly provided herein:

          (a) no terms and provisions of any agreement are modified or changed
     by this Waiver and Amendment;

          (b) the terms and provisions of the Existing Agreement and the Notes
     shall continue in full force and effect; and

          (c) each Obligor hereby acknowledges and reaffirms all of its
     obligations and duties under the Amended Agreement and the Notes, and by
     its signature on the Acknowledgment page hereto, each Guarantor hereby
     acknowledges and reaffirms all of its obligations and duties under the
     Guaranty Agreement.

     8.2. GOVERNING LAW.

     This Waiver and Amendment shall be construed and enforced in accordance
with, and the rights of the parties shall be governed by, the law of the State
of New York excluding choice-of-law principles of the law of such State that
would require the application of the laws of a jurisdiction other than such
State.

     8.3. DUPLICATE ORIGINALS; EFFECTIVENESS.

     Two or more duplicate originals of this Waiver and Amendment may be signed
by the parties, each of which shall be an original but all of which together
shall constitute one and the same instrument. This Waiver and Amendment may be
executed in one or more counterparts and shall be effective when at least one
counterpart shall have been executed by each party hereto, and each set of
counterparts which, collectively, show execution by each party hereto shall
constitute one duplicate original.

     8.4. SECTION HEADINGS.

     The titles of the sections hereof appear as a matter of convenience only,
do not constitute a part of this Waiver and Amendment and shall not affect the
construction hereof.

     8.5. ENTIRE AGREEMENT.

     This Waiver and Amendment constitutes the final written expression of all
of the terms hereof and is a complete and exclusive statement of those terms.

   [Remainder of page intentionally left blank; next page is signature page.]

                                        5

<PAGE>

     IN WITNESS WHEREOF, the undersigned have caused this Waiver and Amendment
to be duly executed and delivered by their respective duly authorized officers.

                                        CRAWFORD & COMPANY

                                        By: /s/ John F. Giblin
                                            ------------------------------------
                                        Name: John F. Giblin
                                        Title: Executive Vice President-Finance

                                        CRAWFORD & COMPANY INTERNATIONAL, INC.

                                        By: /s/ John F. Giblin
                                            ------------------------------------
                                        Name: John F. Giblin
                                        Title: Executive Vice President-Finance

                    [Signature Page to Waiver and Amendment]

<PAGE>

CURRENT NOTEHOLDERS:

The foregoing is hereby agreed to as of the date thereof.

THE PRUDENTIAL INSURANCE COMPANY OF AMERICA

By: /s/ Billy Greer
    ---------------------------------
Name: Billy Greer
Title: Senior Vice President

PRUCO LIFE INSURANCE COMPANY

By: Billy Greer
    ---------------------------------
Name: Billy Greer
Title: Assistant Vice President

PRUCO LIFE INSURANCE COMPANY OF
NEW JERSEY

By: /s/ Billy Greer
    ---------------------------------
Name: Billy Greer
Title: Assistant Vice President

RGA REINSURANCE COMPANY
RELIASTAR LIFE INSURANCE COMPANY

BY: PRUDENTIAL PRIVATE PLACEMENT
    INVESTORS, L.P., AS INVESTMENT
    ADVISOR

BY: PRUDENTIAL PRIVATE PLACEMENT
    INVESTORS, INC., GENERAL PARTNER

By: /s/ Billy Greer
    ---------------------------------
Name: Billy Greer
Title: Senior Vice President

                    [Signature Page to Waiver and Amendment]

<PAGE>

                               ACKNOWLEDGMENT PAGE

Each of the undersigned consents to the execution and delivery of this Waiver
and Amendment by the Obligors and reaffirms its obligations under the Guaranty
Agreement:

CALESCO, INC.
CRAWFORD & COMPANY OF NEW YORK, INC.
CRAWFORD LEASING SERVICES, INC.
RISK SCIENCES GROUP, INC.
THE GARDEN CITY GROUP, INC.
THE PRISM NETWORK, INC.
CRAWFORD & COMPANY HEALTHCARE MANAGEMENT, INC.
CRAWFORD-THG, INC.
QIRRA CUSTOM SOFTWARE, INC.
BROCKLEHURST MILLER, INC.
BROCKLEHURST, INC.

By: /s/ John F. Giblin
    ---------------------------------
Name: John F. Giblin
Title: Executive Vice President-Finance

CRAWFORD & COMPANY L.P.

By: Crawford & Company, its General
    Partner

By: /s/ John F. Giblin
    ---------------------------------
Name: John F. Giblin
Title: Executive Vice President-Finance

                    [Signature Page to Waiver and Amendment]

<PAGE>

CRAWFORD & COMPANY EMPLOYMENT
   SERVICES, INC.

By: /s/ Matt C. Wilkinson
    ---------------------------------
Name: Matt C. Wilkinson
Title: President

                    [Signature Page to Waiver and Amendment]

<PAGE>

CRAWFORD & COMPANY OF FLORIDA

By: /s/ Henry Taylor
    ---------------------------------
Name: Henry Taylor
Title: President

                    [Signature Page to Waiver and Amendment]

<PAGE>

CRAWFORD & COMPANY OF ILLINOIS

By: /s/ Joseph P. Rainey
    ---------------------------------
Name: Joseph P. Rainey
Title: President

                    [Signature Page to Waiver and Amendment]

<PAGE>

CRAWFORD & COMPANY OF CALIFORNIA

By: /s/ Peggy Gillick Branstetter
    ---------------------------------
Name: Peggy Gillick Branstetter
Title: Secretary

                    [Signature Page to Waiver and Amendment]

<PAGE>

CRAWFORD HEALTHCARE MANAGEMENT
   OF NORFOLK AND BALTIMORE, INC.

By: /s/ William L. Beach
    ---------------------------------
Name: William L. Beach
Title: Vice President & Secretary

                    [Signature Page to Waiver and Amendment]

<PAGE>

CRAWFORD INVESTIGATION SERVICES, INC.

By: /s/ Benjamin L. Wilkerson
    ---------------------------------
Name: Benjamin L. Wilkerson
Title: President

                    [Signature Page to Waiver and Amendment]

<PAGE>

                                    EXHIBIT A

1. AMENDMENT TO SECTION 10.5 OF THE EXISTING AGREEMENT. Section 10.5 of the
Existing Agreement is hereby amended and restated in its entirety to read as
follows:

     10.5. LEVERAGE RATIO.

     The Issuers will not, as of the last day of the fiscal quarter of the
Company ending on (or closest to) each date specified below, permit the ratio of
Consolidated Funded Debt outstanding on such day to Consolidated EBITDA for the
four consecutive fiscal quarter period ending on such day to be greater than the
ratio set forth below opposite such date:

<TABLE>
<CAPTION>
                Fiscal Quarter Ending Dates                      Ratio
                ---------------------------                  ------------
<S>                                                          <C>
September 30, 2003, December 31, 2003, March 31, 2004 and    2.75 to 1.00
June 30, 2004

September 30, 2004, December 31, 2004, March 31, 2005 and    2.50 to 1.00
June 30, 2005

September 30, 2005, December 31, 2005, March 31, 2006 and    2.75 to 1.00
June 30, 2006

September 30, 2006, December 31, 2006, March 31, 2007 and    2.50 to 1.00
June 30, 2007

September 30, 2007 and the last day of each fiscal quarter   2.25 to 1.00
of the Company thereafter
</TABLE>

2. AMENDMENT TO SECTION 10.6 OF THE EXISTING AGREEMENT. Section 10.6 of the
Existing Agreement is hereby amended and restated in its entirety to read as
follows:

     10.6. FIXED CHARGES COVERAGE RATIO.

     (a) The Issuers will not, as of the last day of the fiscal quarter of the
Company ending on (or closest to) each date specified below, permit the ratio of
Consolidated EBITR for the period of four fiscal quarters ending on such day to
Fixed Charges for such period to be less than the ratio set forth below opposite
such date:

                                  Schedule 1-1

<PAGE>

<TABLE>
<CAPTION>
                Fiscal Quarter Ending Dates                     Ratio
                ---------------------------                 ------------
<S>                                                         <C>
September 30, 2003, December 31, 2003, March 31, 2004 and   1.25 to 1.00
June 30, 2004

September 30, 2004, December 31, 2004, March 31, 2005 and   1.75 to 1.00
June 30, 2005
</TABLE>

     (b) The Issuers will not, as of the last day of the fiscal quarter of the
Company ending on (or closest to) each date specified below, permit the Fixed
Charges Coverage Ratio to be less than the ratio set forth below opposite such
date:

<TABLE>
<CAPTION>
                Fiscal Quarter Ending Dates                     Ratio
                ---------------------------                 ------------
<S>                                                         <C>
September 30, 2005, December 31, 2005, March 31, 2006,      1.50 to 1.00
June 30, 2006, September 30, 2006, December 31, 2006,
March 31, 2007, June 30, 2007 and September 30, 2007

December 31, 2007 and the last day of each fiscal quarter   1.75 to 1.00
of the Company thereafter
</TABLE>

3. AMENDMENT TO SECTION 10.7 OF THE EXISTING AGREEMENT. Section 10.7 of the
Existing Agreement is hereby amended and restated in its entirety to read as
follows:

     10.7. CONSOLIDATED NET WORTH.

     The Issuers will not, as of the last day of each fiscal quarter of the
Company commencing with the fiscal quarter ending September 30, 2005, permit
Consolidated Net Worth to be less than the sum of (a) $167,260,000 plus (b) an
aggregate amount equal to 50% of its Consolidated Net Income (but, in each case,
only if a positive number) accrued after June 30, 2005 plus (c) to the extent,
but only to the extent that such aggregate amount was not included in the
computation of Consolidated Net Worth for such period, 100% of the net proceeds
received from the sale, pursuant to an effective registration statement, of the
Company's capital stock (an "EQUITY OFFERING"); provided, that the net proceeds
of an Equity Offering of a debt Security that is convertible into or
exchangeable for capital stock of the Company or a debt Security that is issued
with a warrant or other instrument to

                                  Schedule 1-2

<PAGE>

purchase capital stock of the Company shall not be required to be added under
this clause (c) unless and until such debt Security is converted into or
exchanged for, or such warrant or other instrument is exercised for, capital
stock of the Company. For purposes of determining Consolidated Net Worth on any
date after June 30, 2005, (A) any non-cash adjustment after June 30, 2005
(whether such adjustment is an increase or decrease) to shareholders' investment
related to pension fund liabilities, (B) any non-cash adjustment after June 30,
2005 (whether such adjustment is an increase or decrease) to shareholders'
investment related to goodwill and (C) any non-cash adjustment after June 30,
2005 (whether such adjustment is an increase or decrease) to shareholders'
investment related to foreign currency translations shall, in each case, be
excluded.

4. AMENDMENT TO SECTION 10.10 (A) OF THE EXISTING AGREEMENT.

A new last sentence is hereby added to Section 10.10(a) to read as follows:
"Notwithstanding the foregoing, the Company may, during Fiscal Year 2006, make
Restricted Payments in an aggregate amount not to exceed the sum of (x) 100% of
Consolidated Net Income (if greater than $0) earned during Fiscal Year 2005 plus
(y) $4,000,000."

5. AMENDMENTS TO SCHEDULE B OF THE EXISTING AGREEMENT. Schedule B of the
Existing Agreement is hereby amended as follows:

     5.1. The definition of "Consolidated Net Worth" is hereby amended and
     restated in its entirety to read as follows:

          "CONSOLIDATED NET WORTH" means, as of any date, the total
          shareholders' equity of the Company and each Consolidated Subsidiary
          of the Company that would be reflected on the Company's consolidated
          balance sheet as of such date prepared in accordance with GAAP.

     5.2. The definition of "Fixed Charges Coverage Ratio" is hereby amended and
     restated in its entirety to read as follows:

          "FIXED CHARGES COVERAGE RATIO" means, as of the last day of each
          fiscal quarter, the ratio of (a) Consolidated EBITDAR for the period
          of four consecutive fiscal quarters ending on such day to (b) Fixed
          Charges for such period.

     5.3. The following new definition is hereby added in the appropriate
     alphabetical order:

          "CONSOLIDATED EBITDAR" means, for any period, the sum of:

                                  Schedule 1-3

<PAGE>

          (a) Consolidated Net Income for such period; plus

          (b) to the extent, and only to the extent, that such amount was
     deducted in the computation of Consolidated Net Income for such period, the
     amount of:

               (i) Consolidated Interest Expense for such period;

               (ii) income tax expense, depreciation expense and amortization
          expense of the Issuers and their Consolidated Subsidiaries, in each
          case, for such period;

               (iii) Consolidated Lease Expense for such period; and

               (iv) other non-cash charges as approved by the Required Holders
          (including, if so approved, non-cash charges for such period taken for
          the impairment of goodwill in accordance with Statement of Financial
          Accounting Standards No. 142 "Goodwill and Other Intangible Assets"
          issued by the Financial Accounting Standards Board) minus

          (c) all software costs that are capitalized in respect of such period
     (other than software purchased or acquired from software vendors),

     in each case determined on a consolidated basis in accordance with GAAP for
     such period.

                                  Schedule 1-4<PAGE>

                                                                Exhibit 10.1

        ELEVENTH MODIFICATION OF OPEN-END MORTGAGE AND SECURITY AGREEMENT

                This ELEVENTH Modification of Open-End Mortgage and Security
Agreement is made as of the 30th day of September, 2005, by and between PROJECT
DEVELOPMENT GROUP, INC., a Pennsylvania corporation, with an address of 1386
Beulah Road, Building 801, Pittsburgh, Pennsylvania 15235 (hereinafter called
"MORTGAGOR") and SKY BANK, an Ohio banking institution, having an office at 101
East Washington Street, New Castle, Pennsylvania 16101 (hereinafter called
"MORTGAGEE").

                                WITNESSETH THAT:

                WHEREAS, Mortgagor, PDG Environmental, Inc., Enviro-Tech
Abatement Services, Co. and PDG, Inc. (collectively, "BORROWERS") and Mortgagee
entered into that certain Loan Agreement dated as of August 3, 2000, as amended
by that certain Amendment to Loan Agreement dated as of June 14, 2001, that
certain Second Amendment to Loan Agreement dated as of May 6, 2002, that certain
Third Amendment to Loan Agreement dated as of August 30, 2002, that certain
Fourth Amendment to Loan Agreement dated as of December 31, 2002, that certain
Fifth Amendment to Loan Agreement dated as of February 28, 2003, that certain
Sixth Amendment to Loan Agreement dated as of July 22, 2003, that certain
Seventh Amendment to Loan Agreement dated as of January 28, 2004, that certain
Eighth Amendment to Loan Agreement dated July 8, 2004, that certain Ninth
Amendment to Loan Agreement dated November 3, 2004, that certain Tenth Amendment
to Loan Agreement dated December 21, 2004, as further amended by letter
agreement dated June 13, 2005 and that certain Eleventh Amendment to Loan
Agreement dated June 22, 2005, (collectively, the "CREDIT AGREEMENT"), pursuant
to which Mortgagee agreed to make loans and credit accommodations to Borrowers
(collectively, the "LOANS"); and

                WHEREAS, in accordance with the provisions of the Credit
Agreement, Mortgagor executed that certain Open-End Mortgage and Security
Agreement in favor of Mortgagee dated August 3, 2000 and recorded on August 9,
2000 in the Office of the Recorder of Deeds of Westmoreland County, Pennsylvania
at Mortgage Book Volume 4944, Page 266, as modified by that certain Modification
of Open-End Mortgage and Security Agreement dated June 14, 2001 and recorded on
July 17, 2001 in the Office of the Recorder of Deeds of Westmoreland County,
Pennsylvania at Instrument No. 200107030034685, that certain Second Modification
of Open End Mortgage dated May 6, 2002 and recorded May 13, 2002 in the Office
of the Recorder of Deeds of Westmoreland County, Pennsylvania at Instrument No.
200205130032431, that certain Third Modification of Open End Mortgage and
Security Agreement dated as of August 30, 2002 and recorded September 30, 2002
in the Office of the Recorder of Deeds of Westmoreland County, Pennsylvania at
Instrument No. 200209300062822, that certain Fourth Modification of Open End
Mortgage and Security Agreement dated as of February 28, 2003 and recorded March
13, 2003 in the Office of the Recorder of Deeds of Westmoreland County,
Pennsylvania at Instrument No. 200303130019873, that certain Fifth Modification
of Open End Mortgage and Security Agreement dated as of July 22, 2003, and
recorded August 8, 2003 in the Recorder of

                                       1

<PAGE>

Deeds of Westmoreland County, Pennsylvania at Instrument No. 200308080064445,
that certain Sixth Modification of Open End Mortgage and Security Agreement
dated as of January 28, 2004 and recorded February 12, 2004 in the Recorder of
Deeds of Westmoreland County, Pennsylvania at Instrument No. 200402120008111,
that certain Seventh Modification of Open End Mortgage and Security Agreement
dated as of July 8, 2004 and recorded July 21, 2004 in the Recorder of Deeds of
Westmoreland County, Pennsylvania at Instrument No. 200407210043970, that
certain Eighth Modification of Open End Mortgage and Security Agreement dated as
of November 3, 2004 and recorded November 8, 2004 in the Recorder of Deeds of
Westmoreland County, Pennsylvania at Instrument No. 200411080066060, that
certain Ninth Modification of Open End Mortgage and Security Agreement dated as
of December 21, 2004 and recorded December 29, 2004 in the Recorder of Deeds of
Westmoreland County, Pennsylvania at Instrument No. 200412290075990, and that
certain Tenth Modification of Open End Mortgage and Security Agreement dated as
of June 22, 2005 and recorded July 18, 2005 in the Recorder of Deeds of
Westmoreland County, Pennsylvania at Instrument No. 200507180036154
(collectively, the "MORTGAGE") granting a mortgage lien to Mortgagee on that
certain property and improvements located thereon which is described on Exhibit
"A" thereto, in order to secure the payment of the principal of and interest on,
inter alia, the Loans; and

                WHEREAS, Mortgagor and Mortgagee desire to amend the Mortgage to
reflect, among other things, the amendment of the Credit Agreement by that
certain Twelfth Amendment to Loan Agreement dated the date hereof (the
"AMENDMENT") pursuant to which Mortgagee has agreed at Borrowers' request to
increase the aggregate principal amount of the Facility D Loans to $11,000,000
through the issuance of the Fifth Amended and Restated Facility D Note ("AMENDED
FACILITY D NOTE"). The Credit Agreement as amended by the Twelfth Amendment
shall be referred to herein as the "AGREEMENT".

                NOW, THEREFORE, the parties hereto, intending to be legally
bound hereby, agree as follows:

                1. The definition of "Debt" contained in the fourth (4th)
"Whereas" clause of the Mortgage shall include in addition to all other items of
"Debt" set forth therein, all advances made by Mortgagee to Mortgagor under the
Facility D Loan (as increased by the Amendment), and the definition of "Note" or
"Notes" shall include, without limitation, the Amended Facility D Note.

                2. The Mortgage as amended hereby is given for the purpose of
securing the Debt, as described above, and loan advances which Mortgagee may
make to Mortgagor pursuant and subject to the terms and provisions of the
Agreement, which Agreement is incorporated herein and made a part hereof by this
reference. The parties hereto intend that, in addition to any other obligations
secured hereby, the Mortgage as amended hereby shall secure unpaid balances of
loan advances made after this Modification of Mortgage is delivered to the
Recorder of Deeds of Westmoreland County, Pennsylvania for record, whether made
pursuant to an obligation of Mortgagee or otherwise.

                                       2
<PAGE>

                3. All references in the Mortgage to "Agreement" shall refer to
the Agreement as described herein.

                4. The recitals set forth above at the beginning of this
Eleventh Modification to Open-End Mortgage and Security Agreement are hereby
fully incorporated by reference.

                5. Except as expressly amended hereby, all of the terms,
provisions and conditions of the Mortgage shall remain in full force and effect
and shall be applicable hereto and are incorporated herein by reference thereto
and made a part hereof.

                IN WITNESS WHEREOF, the Mortgagor and the Mortgagee have
executed this Eleventh Modification of Mortgage as of the day and year first
above written.

WITNESS:                                     PROJECT DEVELOPMENT GROUP, INC.

/s/ James D. Chiafullo                       By:  /s/ John C. Regan
-------------------------------------             ----------------------------
                                                  John C. Regan, President

WITNESS:                                     SKY BANK

                                             By:  /s/ Douglas K. Pyle
 ------------------------------------             ----------------------------
                                                  Douglas K. Pyle
                                                  Vice President

                                       3

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