Document:

Exhibit 10.1

                              MANAGEMENT AGREEMENT

     THIS MANAGEMENT AGREEMENT (the "Agreement") is entered into this 29th day
of September, 2000, to be effective October 1, 2000, and is by and between
PAWN-ONE, INC. ("Manager"), and U.S. PAWN, INC. ("Owner"). Terms not otherwise
defined herein shall have the meanings ascribed to such terms in the AP
Agreement (as defined below).

     WHEREAS, Owner is the operator of twelve pawn shops in Colorado and one
pawn shop in Wyoming (the "Business"); and

     WHEREAS, Manager is the owner and operator of six pawn shops in Colorado;
and

     WHEREAS, concurrently with the execution of this Management Agreement, the
parties entered into an Asset Purchase Agreement (the "AP Agreement") wherein
Pawn-One agreed to acquire certain of the assets of U.S. Pawn; and

     WHEREAS, the closing of the AP Agreement is contingent upon the Owner
obtaining shareholder approval of the contemplated transaction and the Owner was
unable to obtain such approval prior to the effective date of this Agreement;
and

     WHEREAS, in order to bridge the delay resulting from the shareholder
approval process, the parties desire to enter into this Agreement pursuant to
which Manager shall manage the day-to-day operations of Owner's Business as set
forth below.

     NOW, THEREFORE, in consideration of the premises and the covenants set
forth herein, the parties hereto agree as follows:

1.   APPOINTMENT AS MANAGER.
     ----------------------

     1.1 Appointment. Owner hereby retains Manager to serve as the exclusive
general manager of its Business, to manage the day-to-day operations of the
Business. Manager accepts appointment by the Owner and agrees to perform the
management duties and obligations described herein to the best of its ability
and furnish the services of its organization for the proper and efficient
management and supervision of the operation of the Business.

     1.2 Exclusions. Nothing contained herein shall be construed to place
Manager in control of Owner's corporate operations including, without
limitations, accounting, finance, tax and regulatory matters.

     1.3 Duties of Manager for Seller's Owned Assets:
     ------------------------------------------------

                                       -1-

<PAGE>

         (A)   Manager shall:

               (i)  use its best efforts to maximize the economic value of the
                    Business to Owner and shall exercise prudence and diligence
                    in performing its duties hereunder and those customarily
                    performed by professional managers of pawn shops. Manager
                    shall, in general, contract for and provide at prices and
                    terms most favorable to Owner all usual and customary
                    services provided in pawn shops similar to the Business,
                    however, Manager shall not enter into any contract with
                    respect to the Business that requires annual payments in
                    excess of $2,500.00 or that have a term greater than six (6)
                    months, or the expiration of the term of this Agreement,
                    whichever is less, without the prior written consent of
                    Owner;

               (ii) comply with any and all laws, ordinances, rules or
                    regulations affecting the Business;

               (iii)advise Owner promptly, with confirmation in writing, of the
                    service upon Manager of any summons, subpoena, or other like
                    legal document, including any notices, letters or other
                    communications setting out or claiming an actual or alleged
                    potential liability or material obligation of Owner;

               (iv) keep Owner informed of the financial status of the Business;

               (v)  promptly cause the issuance or transfer, of any necessary
                    business licenses and permits for the Business;

               (vi) cooperate with Owner and entities designated by Owner and
                    provide information regarding the Business to Owner and such
                    designees;

               (vii)deposit all proceeds from the operation of the business in
                    Owner's designated accounts;

               (viii) direct the day-to-day marketing, sales and loans for the
                      Business; and

               (ix) assist the Owner, as reasonably requested, in the production
                    of such information as required for the Owner's accounting,
                    payroll and booking, corporate, tax and regulatory
                    requirements.

         B.    Risk of Loss

               (i)  Manager shall bear fifty percent (50%) of any loss during
                    the term of this Agreement for any shrinkage in Inventory
                    due to lost, stolen or misappropriated items as identified
                    by the parties through the use of the Inventory Analysis as
                    set forth below.

                                       -2-

<PAGE>

               (ii) In calculating the risk of loss Manager and Owner shall
                    utilize an Inventory Analysis that is produced by them,
                    mutually. Such Inventory Analysis shall be conducted by the
                    parties beginning on the Management Closing Date, on a store
                    by store basis, and the conduct of the Inventory Analysis
                    shall be made as expeditiously as possible. Manager's
                    responsibility for Inventory losses shall only be for that
                    period of time after the conduct of the Inventory Analysis
                    for each store.

     1.4 Duties of Manager for Sellers Excluded Assets
         ---------------------------------------------

               Manager shall have direct control of the Excluded Assets that are
               not being transferred to the Manager at the Cash Closing
               contemplated by the AP Agreement. Manager agrees that during the
               term of this Agreement it shall use its best efforts to sell, for
               the maritimum value and for the benefit of Owner, the Excluded
               Assets, which shall be separately accounted for on the books and
               records of both Manager and Owner.

     1.5 Duties of Owner:
         ----------------

               Owner shall:

               (i)  Promptly pay or cause to be paid all expenses incurred in
                    the day-to- day operation of the Business, including but not
                    limited to utilities, maintenance, security, advertising,
                    supplies and telephone, and Manager's compensation in
                    accordance with paragraph 6;

               (ii) cause to be procured or procure such insurance of every kind
                    deemed advisable by Manager to protect Manager and Owner's
                    interest in the Business, and cause to be named in each such
                    policy of insurance, as co-insureds or additional insureds,
                    the Owner and Manager, as their respective interests may
                    appear.

               (iii)deliver to Manager all materials, equipment, keys,
                    documents and records necessary to manage to the Business.

               (iv) instruct all of its current personnel of the implementation
                    of this Agreement.

     1.5 Authority of Manager to Act for Owner.
         --------------------------------------

        (A) In performance of Manager's duties hereunder, Manager shall have the
            full and complete authority to act on behalf of Owner to perform all
            of its duties as set forth herein.

                                       -3-

<PAGE>

          (B)  Manager is further authorized to do any other things on behalf of
               Owner consistent with this Agreement and necessary or
               appropriate, in the judgement of the Manager, for the property
               and profitable operation of the Business on behalf of Owner.

     1.6  Expenses. All costs and expenses associated with operation of the
          Business shall be the responsibility of Owner, which Owner shall cause
          to be paid in the ordinary course of the operations of the Business.
          Owner's failure to pay such obligations shall constitute a breach of
          Owners obligation under this Agreement, and under the terms of the AP
          Agreement.

     1.7  Designated Managers. Manager shall designate those individuals from
          its organization that will be responsible for the management of the
          Business. A list of those individuals is attached hereto as Exhibit A.
          Those individuals designated on Exhibit A shall be the employees of
          Manager and not Owner and Manager shall be responsible for the wages
          and salaries of those individuals. All other employees, agents or
          subcontractors necessary for the operation and maintenance of the
          Business shall be employees of Owner and not Manager, and Owner shall
          be responsible for the wages and salaries of those individuals.

2.   DUTY OF CARE.  In accepting its appointments hereunder, Manager agrees:
     ------------

          (A)  to render diligent and competent service and care in performance
               of its responsibilities hereunder; and

          (B)  to apply prudent and reasonable business practices to the
               operations of Owners business enterprise.

3.   INDEMNITY. Owner agrees to indemnify and hold harmless Manager from all
claims of damage or harm to any person or property which shall arise out of or
in connection with the operation and management of the Business to the same
extent Seller would indemnify its officers and employees for such operations
prior to the term of this Agreement in accordance with Owner's Articles of
Incorporation and By-Laws. Manager hereby agrees to indemnify and hold harmless
the Owner from and against any and all claims of damage or harm to any person or
property arising out of Manager's management of the Business during the term
hereof. The Manager shall carry insurance at its sole cost and expense, which
shall insure the Owner against the negligent acts of the Manager, its agents,
employees and representatives and upon the request for Owner shall provide
satisfactory evidence of such insurance.

4.   REPORTS. During the term of this Agreement Manager and Owner shall meet, on
or before the 15th day of each month to discuss the operation of the Business
for the preceding month.

5.   EMPLOYEES. Except as set forth on Exhibit B (with respect to certain
corporate officers of Owner), Manager shall investigate, hire, supervise and
discharge the personnel necessary to properly maintain and operate the Business.
Such personnel shall, in each case, be deemed employees of Owner and shall be
deemed employed solely at Owner's expense. Notwithstanding same, Owner shall

                                       -4-

<PAGE>

have no right to directly supervise or direct such employees, or the manner or
method by which Manager or Manager's employees perform their responsibilities
under this Agreement.

6.   COMPENSATION OF MANAGER.
     -----------------------

     6.1  Owner agrees to pay Manager and Manager agrees to accept, as full
          compensation for management services and day-to-day operations to be
          provided to Owner hereunder, the sum of $25,000.00 per month for the
          first three (3) months of the six (6) month term of this Agreement and
          the sum of $35,000.00 per month for the second three (3) months hereof
          . Said sum shall be due and payable on the last day of each month that
          such Management services are provided.

     6.2  Should the term hereof end or begin on a day other than the first day
          of the month, the fees provided for in Section 6 shall be apportioned
          based on the actual number of days that the Manager was in control of
          the Business during that month. Such apportioned payment shall be due
          within three (3) business days of the last day of the apportioned
          month.

7.   REIMBURSEMENT. In the event Manager should advance any amounts from its own
funds, rather than from the funds of Owner, in payment of any of the obligations
of Owner set forth herein, including payroll obligations where the Manager and
the Owner have agreed upon such matters, and the Owner shall, upon request for
reimbursement, reimburse Manager for such expense within five (5) business days
of submission of same for reimbursement.

8.   TERM OF AGREEMENT
     -----------------

     8.1  Term. The term of this Agreement shall begin on October 1, 2000 and
          shall continue until the earlier of (a) the Cash Closing; (b) the
          termination of the AP Agreement, (c) March 31, 20001; or (d)
          termination in accordance with this Article.

     8.2  Termination. This Agreement may be terminated as follows:

          (A)  If a petition for bankruptcy, reorganization or rearrangement is
               filed under state or federal insolvency statutes by or against
               either party, or either party shall make an assignment for the
               benefit of creditors to take advantage of any insolvency act,
               then the other party may terminate this Agreement upon ten (10)
               days written notice to the bankrupt, insolvent or assigning
               party.

          (B)  If either party shall default in any of its obligations hereunder
               and such default shall continue for ten (10) days after written
               notice from one party to the defaulting party designating such
               default, then the party not in default may terminate this
               Agreement upon five (5) days written notice to the defaulting
               party.

     8.3  After Termination.

                                       -5-

<PAGE>

               (A)  Upon termination of this Agreement for whatever reason,
                    Manager shall immediately:

                    (i)  deliver to Owner all materials, equipment, keys,
                         documents and records relating to the Business; and

                    (ii) assign to Owner any contracts relating to the operation
                         of the Business not otherwise in the name of Owner; and

                    (iii)furnish such other information and take such other
                         action as Owner shall reasonably require in order to
                         end Manager's duties hereunder.

               (B)  Upon termination of the Agreement for whatever reason, Owner
                    shall immediately:

                    (i)  pay all fees due to the date of the termination; and

                    (ii) take full possession and control of the operations of
                         all of its stores.

9.   EQUITABLE DEALING. Manager covenants and agrees that even though it shall
have either ownership interest in or managerial responsibility for other pawn
shops similar to the Business which may be considered competitive with the
Business, Manager shall always represent the Business fairly and deal with Owner
on a basis equitable in comparison to any such other similar Businesses.

10.  MISCELLANEOUS PROVISIONS

     10.1 Successors and Assigns. This Agreement shall inure to the benefit of
          and be binding upon the parties hereto and their respective successors
          at law; provided, however, Manager shall not be entitled to assign its
          rights hereunder or delegate its duties hereunder unless approved in
          writing by Owner. Manager's interest or duties under this Agreement
          shall not be assigned or otherwise transferred or pass by operation of
          law under any state or federal insolvency or bankruptcy act to any
          trustee, receiver, assignee for the benefit of creditors, or any other
          person whatsoever without Owner's prior written consent. Any purported
          or attempted transfer in violation of the provisions of this paragraph
          shall constitute a breach of a condition precedent to this Agreement
          and shall automatically terminate this Agreement.

     10.2 Independent Contractor. This Agreement is a management agreement only
          and does not grant to Manager any ownership right or interest
          whatsoever in the Business, the Assets or any other property of Owner
          pertaining thereto. In its operations pursuant to this Agreement,
          Manager is acting as an independent contractor and this Agreement is
          not intended to and does not constitute or result in a partnership or
          joint venture of any kind between Owner and Manager with respect to
          the operation of the Business or any other matter.

                                       -6-

<PAGE>

     10.3 Notices. Any notice or other communication required or permitted to be
          given to the parties hereto shall be deemed to have been given or
          submitted (i) when delivered by hand, (ii) on the fifth day after such
          notice is deposited in the mail in registered form, first class air
          mail postage prepaid, addressed as follows:

          If to Seller:              U.S. Pawn, Inc.
                                     7215 Lowell Blvd.
                                     Westminster, CO 80030
                                     Attn: Charles C. Van Gundy

          With a copy to:            Brent T. Slosky
                                     Brownstein, Hyatt & Farber, P.C.
                                     410 Seventeenth St., Twenty-Second Floor
                                     Denver, CO 80202-4437

          If to Buyer:               Pawn-One, Inc.
                                     5990 West 44th Ave.
                                     Wheatridge, CO 80212
                                     Attn: Todd Hills

          With a copy to:            Howard B. Gelt
                                     Shughart, Thomson & Kilroy, P.C.
                                     1050 17th Street, Suite 2350
                                     Denver, Colorado 80265

     10.4 Changes. No change or modification of this Agreement shall be valid or
          binding upon the parties hereto, nor shall any waiver of any term or
          condition in the future, unless such changes or modification or waiver
          shall be in writing and signed by the parties hereto.

     10.5 Entire Agreement. This Agreement represents the entire agreement of
          the parties hereto with respect to the subject matter hereof, and all
          prior discussions, representations, agreements, covenants and
          warranties of the parties with respect to such subject matter are
          merged herein.

     10.6 Applicable Law and Consent to Jurisdiction. This Agreement shall be
          governed in all respects by the laws of the State of Colorado. The
          parties hereby irrevocably submit to binding arbitration before a
          private arbitrator to be chosen by mutual agreement of the parties.
          Any arbitration award shall final and binding, and judgment upon the
          award rendered pursuant to such arbitration may be entered in any
          court of proper jurisdiction. The Colorado Rules of Evidence and the
          Colorado Rules of Civil Procedure shall apply to such proceeding. The
          prevailing party in any action brought to enforce any provisions of
          this Agreement shall be entitled to all costs of bringing such an
          action including reasonable attorney's fees.

                                       -7-

<PAGE>

     10.7 Counterparts. This Agreement may be executed in multiple counterparts
          each of which shall be deemed an original, but all of which together
          shall constitute one and the same instrument.

          IN WITNESS WHEREOF, the undersigned have duly executed this Agreement
effective as of the 1st day of October, 2000.

                                            OWNER:
                                            U.S. PAWN, INC.

                                            By: /s/  Charles Van Gundy
                                                --------------------------------
                                            Name:  Charles Van Gundy
                                            Title: President

                                            MANAGER:
                                            PAWN-ONE, INC.

                                            By: /s/  Todd Hills
                                                --------------------------------
                                            Name:  Todd Hills
                                            Title: President

                                       -8-FOURTH AMENDMENT OF CREDIT AGREEMENT

         THIS FOURTH AMENDMENT OF CREDIT AGREEMENT (this "Amendment"),  dated as
of  June  30,  2000,  is by  and  between  COLUMBUS  ENERGY  CORP.,  a  Colorado
corporation  (herein  called  "Borrower"),  and WELLS FARGO BANK WEST,  NATIONAL
ASSOCIATION,  a  national  banking  association  ("WFBW"),  f/k/a  NORWEST  BANK
COLORADO, NATIONAL ASSOCIATION ("Norwest").

                                    RECITALS

         A.  Borrower and Norwest  entered  into an Amended and Restated  Credit
Agreement  dated as of October 23,  1996,  as  previously  amended  (the "Credit
Agreement"),  in order to set forth the terms  upon  which  Norwest  would  make
available  to Borrower a line of credit and by which the line of credit would be
governed.  Capitalized terms used herein without  definition shall have the same
meanings as set forth in the Credit Agreement.

         B. WFBW is the successor to Norwest.

         C.  Borrower  and WFBW desire to enter into this  Amendment in order to
amend further certain terms and provisions of the Credit Agreement.

                                    AGREEMENT

         NOW, THEREFORE,  in consideration of $10.00 and other good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged, the
parties hereby agree as follows:

         1.  Credit  Agreement.  The Credit  Agreement  shall be, and hereby is,
amended as follows as of the date hereof:

                  (a) All  references  in the Credit  Agreement to "Norwest Bank
Colorado,  National  Association"  shall be changed to be  references  to "Wells
Fargo Bank West,  National  Association".  The definition of "WFBW" contained in
the first  paragraph  of this  Amendment  shall be  incorporated  in the  Credit
Agreement,  and all  references  in the Credit  Agreement to "Norwest"  shall be
changed to be references to "WFBW".

                  (b) The following  shall be substituted  for the definition of
"Borrowing Base Period" in Section 1.1 on page 2 of the Credit Agreement:

<PAGE>

                          "Borrowing Base Period" means: (a) the period from the
date of this Agreement  through March 31, 1997; (b)  thereafter,  until April 1,
2002, each  twelve-month  period  beginning on April 1 of each year; and (c) the
period from April 1, 2002 to July 1, 2002.

                  (c) The following  shall be substituted  for the definition of
"Maturity Date" in Section 1.1 on page 7 of the Credit Agreement:

                          "Maturity Date" means July 1, 2006.

                  (d) The following  shall be substituted  for the definition of
"Principal Payment Date" in Section 1.1 on page 8 of the Credit Agreement:

                          "Principal Payment Date" means: (a) the first Business
Day  of  each  calendar  month,  commencing  August  1,  2002,  and  (b)  if all
Obligations  due and payable on any such date are not then paid, each succeeding
day until all due and payable Obligations are paid in full.

                  (e) The following  shall be substituted  for the definition of
"Revolving Period" in Section 1.1 on page 8 of the Credit Agreement:

                          "Revolving  Period"   means the time  period  from the
date of this Agreement to July 1, 2002.

         2. The Note.  The Note shall be amended,  such amendment to be effected
by an Allonge (the "Allonge") to be attached to the Note and to be substantially
in the form of Exhibit A attached hereto and made a part hereof.

         3.  Loan  Documents.  All  references  in any  document  to the  Credit
Agreement  and the Note shall  refer to the Credit  Agreement  and the Note,  as
amended pursuant to this Amendment and the Allonge.

         4.  Conditions  Precedent.  The  obligations  of the parties under this
Amendment  and under the foregoing  amendments  to the Credit  Agreement and the
Note are  subject,  at the  option  of WFBW,  to the prior  satisfaction  of the
condition  that Borrower shall have executed and delivered to WFBW the following
(all documents to be satisfactory in form and substance to WFBW):

                  (a)  This Amendment.

                                      -2-
<PAGE>

                  (b)  The Allonge.

                  (c)  A Consent of Guarantor and Amendment of Guaranty execute
by CGSI in the form of Exhibit B attached hereto and made a part hereof.

         5.  Representations  and Warranties.  Borrower hereby certifies to WFBW
that as of the date of this Amendment: (a) all of Borrower's representations and
warranties  contained in the Credit Agreement are true, accurate and complete in
all material  respects,  and (b) no Default or Event of Default has occurred and
is continuing under the Credit Agreement.

         6.  Continuation of the Credit  Agreement.  Except as specified in this
Amendment and the Allonge,  the provisions of the Credit  Agreement and the Note
shall  remain in full force and effect,  and if there is a conflict  between the
terms of this Amendment or the Allonge and those of the Credit  Agreement or the
Note, the terms of this Amendment and the Allonge shall control.

         7.  Expenses.  Borrower  shall pay all expenses  incurred in connection
with  the  transactions  contemplated  by  this  Amendment,   including  without
limitation all fees and expenses of WFBW's attorney.

         8.  Miscellaneous.  This  Amendment  shall be governed by and construed
under the laws of the State of Colorado  and shall be binding  upon and inure to
the  benefit  of the  parties  hereto and their  successors  and  assigns.  This
Amendment may be executed in any number of counterparts,  each of which shall be
an original, but all of which together shall constitute one instrument.

         Executed as of the date first above written.

                              COLUMBUS ENERGY CORP.

                              By: /s/ Michael M. Logan
                                  -----------------------
                                  Michael M. Logan,
                                  Vice President

                              WELLS FARGO BANK WEST, NATIONAL ASSOCIATION
                              f/k/a NORWEST BANK COLORADO, NATIONAL ASSOCIATION

                              By: /s/ J. Thomas Reagan
                                  ----------------------------
                                  J. Thomas Reagan,
                                  Vice President

                                      -3-
<PAGE>

                                    EXHIBIT A

                                     ALLONGE

         FOR VALUE  RECEIVED,  COLUMBUS  ENERGY  CORP.,  a Colorado  corporation
("Columbus"),  and WELLS  FARGO  BANK  WEST,  NATIONAL  ASSOCIATION,  a national
banking association ("WFBW"), f/k/a NORWEST BANK COLORADO, NATIONAL ASSOCIATION,
a national banking association ("Norwest"), hereby agree to amend the Promissory
Note dated July 1, 1992, as previously amended (the "Note"),  in the face amount
of $10,000,000, made by Columbus, payable to the order of Norwest, as follows:

         1. All  references  in the Note to  "Norwest  Bank  Colorado,  National
Association"  or "Payee"  shall be deemed to be  references  to Wells Fargo Bank
West, National Association.

         2. By  substituting  the following for the first  sentence of the third
paragraph on page 1 of the Note:

                  The outstanding principal amount of this Note shall be payable
                  as provided in the Credit Agreement,  in monthly  installments
                  due  on  the  first  Business  Day  of  each  calendar  month,
                  commencing  August 1,  2002,  as more fully  described  in the
                  Credit Agreement.

         3. By  substituting  the following for the third  sentence of the third
paragraph on page 1 of the Note:

                  The entire outstanding principal balance of this Note shall be
                  due and  payable  on  July  1,  2006  (unless  payable  sooner
                  pursuant to the terms of the Credit Agreement).

         4. By  substituting  the following for the first  sentence of the fifth
paragraph on page 1 of the Note:

                  Interest  on Prime  Rate  Advances  shall  be due and  payable
                  monthly on the first Business Day of each calendar month, from
                  the date hereof through July 1, 2006.

         5. By  substituting  the following for the third  sentence of the fifth
paragraph on page 1 of the Note:

                  All  accrued and unpaid  interest  will be due and payable not
                  later than July 1, 2006.

                                      A-1
<PAGE>

                DATED as of June 30, 2000.

                              COLUMBUS ENERGY CORP.

                              By:
                                  -----------------------
                                  Michael M. Logan,
                                  Vice President

                              WELLS FARGO BANK WEST, NATIONAL ASSOCIATION
                              f/k/a NORWEST BANK COLORADO, NATIONAL ASSOCIATION

                              By:
                                  ----------------------------
                                  J. Thomas Reagan,
                                  Vice President

                                      A-2

<PAGE>

                                    EXHIBIT B

                              CONSENT OF GUARANTOR
                            AND AMENDMENT OF GUARANTY

         THIS CONSENT OF GUARANTOR AND AMENDMENT OF GUARANTY  (this "Consent and
Amendment"), dated as of June 30, 2000, is by and between WELLS FARGO BANK WEST,
NATIONAL  ASSOCIATION,  a national banking association  ("WFBW"),  f/k/a NORWEST
BANK COLORADO, NATIONAL ASSOCIATION ("Norwest"), and COLUMBUS GAS SERVICES, INC.
("Guarantor").

                                    RECITALS

         A. Guarantor  executed and delivered a Guaranty Agreement dated July 1,
1992, as amended (the "Guaranty"),  to guaranty certain  obligations of Columbus
Energy Corp. ("Borrower").

         B.  Borrower  and WFBW are entering  into a Fourth  Amendment of Credit
Agreement dated as of June 30, 2000 (the "Amendment"), in order to amend further
the Amended and  Restated  Credit  Agreement  dated as of October 23,  1996,  as
previously amended (the "Credit Agreement"), between Borrower and Norwest.

         C. One of the conditions to the  effectiveness of the Amendment is that
Guarantor deliver this Consent and Amendment to WFBW.

         D. Guarantor will benefit from the financial success of Borrower.

                                    GUARANTY

         NOW, THEREFORE,  in consideration of $10.00 and other good and valuable
consideration,  the receipt and  sufficiency  of which are hereby  acknowledged,
Guarantor and WFBW agree as follows:

         1. Amendment of Guaranty. The Guaranty shall be, and hereby is, amended
by changing all references in the Guaranty to "Norwest Bank  Colorado,  National
Association"  or "Bank" to be  references  to Wells  Fargo Bank  West,  National
Association.

         2. Consent of Guarantor.  Guarantor hereby consents to the transactions
set forth in and contemplated by the Amendment, including without limitation the
extension  of the  end of the  "Revolving  Period"  (as  defined  in the  Credit
Agreement) to July 1, 2002 and the extension of the "Maturity  Date" (as defined
in the Credit Agreement) to July 1, 2006.

                                      B-1
<PAGE>

         3.  Miscellaneous.  This Consent and  Amendment  may be executed in any
number of  counterparts,  each of which shall be an original and no one of which
need be signed by all of the parties, but all of which together shall constitute
one and the same instrument.  Guarantor hereby ratifies the Guaranty, as amended
hereby.

                EXECUTED as of the date first above written.

                              COLUMBUS GAS SERVICES, INC.

                              By:
                                  -----------------------
                                  Michael M. Logan,
                                  Executive Vice President

                              WELLS FARGO BANK WEST, NATIONAL ASSOCIATION
                              f/k/a NORWEST BANK COLORADO, NATIONAL ASSOCIATION

                              By:
                                  ----------------------------
                                  J. Thomas Reagan,
                                  Vice President

                                       B-2

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