Document:

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                                                                   Exhibit 10.84

                              SETTLEMENT AGREEMENT

         This Settlement Agreement ("Agreement") is made and entered into as of
the 27th day of March, 2001 (the "Effective Date") by and among Deere Park
Capital, L.L.C., an Illinois limited liability company ("Deere Park"), DRS
Realty Services, Inc., a Delaware corporation ("DRS"), Crown NorthCorp, Inc., a
Delaware corporation ("Crown"), Kevin C. Donahue ("Donahue"), James F. Russell,
II ("Russell"), and Sam Stern ("Stern") (collectively, Donahue, Russell and
Stern are hereinafter collectively referred to as the "Principals").

                                R E C I T A L S:
                                ----------------

         A. The parties hereto entered into that certain Stock Redemption and
Settlement Agreement dated February 4, 2000 (along with the exhibits thereto,
the "Stock Redemption Agreement"). Pursuant to the Stock Redemption Agreement,
DRS executed and delivered to Deere Park (i) a promissory note dated February 4,
2000 in the principal amount of $345,000 ("Term Note I"), and (ii) a promissory
note dated February 4, 2000 in the principal amount of $20,000 ("Term Note II")
(collectively, Term Note I and Term Note II are hereinafter referred to as the
"Notes").

         B. As is further detailed in the Stock Redemption Agreement, the
Principals executed a Guaranty dated February 4, 2000 pursuant to which they
jointly and severally guaranteed, INTER ALIA, payment of all outstanding
principal and interest under the Notes (the "Second Guaranty"). Also as further
detailed in the Stock Redemption Agreement, Crown executed a Guaranty dated
February 4, 2000 pursuant to which it guaranteed, INTER ALIA, payment of up to
$170,000 of the outstanding principal and interest under the Notes (the "First
Guaranty;" and collectively with the Second Guaranty, the "Guarantees").

         C. There is currently an aggregate of $370,152 of principal and
interest outstanding under the Notes, consisting of $310,000 of principal under
Term Note I, $40,152 of interest under Term Note I, and $20,000 of principal
under Term Note II.

         D. Based on their alleged breach of certain obligations under the Stock
Redemption Agreement, on January 19, 2001, Deere Park filed a lawsuit against
DRS and the Principals in the Circuit of Cook County, Illinois, County
Department, Law Division; such lawsuit is styled Deere Park Capital, L.L.C. v.
DRS Realty Services, Kevin Donahue, Jim Russell and Sam Stern (the
"Litigation").

         E. Deere Park has not instituted a lawsuit against Crown based on
Crown's alleged breach of certain obligations under the Stock Redemption
Agreement, but rather has entered into discussions with Crown regarding a
settlement of the outstanding issues among the parties hereto.

         F. The Principals have asserted claims against Crown based on the
purported breach by Crown of certain obligations owed by Crown to the
Principals.

         G. The parties hereto desire to enter into this Agreement to resolve
the issues among them.
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         NOW, THEREFORE, in consideration of the foregoing, and for other good
and valuable consideration, the receipt and sufficiency of which is hereby
acknowledged, the parties hereto agree as follows:

                               A G R E E M E N T:
                               ------------------

         1. PAYMENT BY PRINCIPALS TO DEERE PARK. Concurrently with the execution
of this Agreement, in exchange for the releases provided pursuant to Sections 3
and 4 hereof, the Principals will pay to Deere Park the sum of Fifty Thousand
Dollars ($50,000) in cash or immediately available funds in full and complete
settlement and satisfaction of any and all obligations of DRS and the Principals
under the Stock Redemption Agreement, the Notes or the Guarantees.

         2. CROWN NOTE. Concurrently with the execution of this Agreement, in
exchange for the releases provided pursuant to Sections 3 and 4 hereof, Crown
will execute and deliver to Deere Park a promissory note in the principal amount
of $320,152 in the form attached hereto as EXHIBIT A (the "Crown Note") in full
and complete settlement and satisfaction of any and all obligations of Crown
under the Stock Redemption Agreement or the Guarantees.

         3. RELEASE BY DEERE PARK. Deere Park and its agents, servants,
employees, officers, directors, shareholders, successors and assigns, hereby
release and forever discharge the Principals, DRS, and Crown, and their
respective, affiliates, agents, servants, employees, officers, directors,
shareholders, successors, and assigns, and any persons associated with any of
the foregoing, of and from any and all claims, causes of action, contracts,
judgments, damages, and demands, known and unknown, of any kind and character
whatsoever, which any of the foregoing now have or claim to have, or have had,
against any of the foregoing parties, for any acts or omissions which occurred
prior to the date hereof, including, without limitation, claims arising from the
Stock Redemption Agreement; provided, however, that Deere Park does not release
(a) Crown from its obligations under the Crown Note, or (b) DRS, the Principals
or Crown from their respective obligations under this Agreement. Deere Park
hereby agrees to dismiss the Litigation with prejudice within three (3) business
days after its receipt of the $50,000 payment contemplated by Section 1 hereof
and originally-executed copies of all of the documentation contemplated hereby.
Deere Park hereby additionally agrees, within the three-day period provided in
the preceding sentence, to return the original, executed Notes and Guarantees to
the parties that executed them.

         4. RELEASE BY DRS AND THE PRINCIPALS. DRS and the Principals, and their
respective agents, servants, employees, officers, directors, shareholders,
successors and assigns, hereby release and forever discharge Deere Park and
Crown, and their respective, affiliates, agents, servants, employees, officers,
directors, shareholders, successors, and assigns, and any persons associated
with any of the foregoing, of and from any and all claims, causes of action,
contracts, judgments, damages, and demands, known and unknown, of any kind and
character whatsoever, which any of the foregoing now have or claim to have, or
have had, against any of the foregoing parties, for any acts or omissions which
occurred prior to the date hereof; provided, however, that DRS and the
Principals do not release any of the other parties hereto from their obligations
under this Agreement.

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         5. RELEASE BY CROWN. Crown and its agents, servants, employees,
officers, directors, shareholders, successors and assigns, hereby release and
forever discharge the Principals, DRS, and Deere Park, and their respective,
affiliates, agents, servants, employees, officers, directors, shareholders,
successors, and assigns, and any persons associated with any of the foregoing,
of and from any and all claims, causes of action, contracts, judgments, damages,
and demands, known and unknown, of any kind and character whatsoever, which any
of the foregoing now have or claim to have, or have had, against any of the
foregoing parties, for any acts or omissions which occurred prior to the date
hereof; provided, however, that Crown does not release any of the other parties
hereto from their obligations under this Agreement.

         6. STOCK REDEMPTION AGREEMENT. In consideration of the payments,
deliveries and releases set forth in Sections 1 through 5 above, the parties
hereto understand and agree that the Stock Redemption Agreement is of no further
force or effect as of the Effective Date.

         7. MISCELLANEOUS.

            (a) SUCCESSORS AND ASSIGNS. This Agreement shall be binding upon and
                inure to the benefit of the parties hereto and their successors
                and assigns. Nothing in this Agreement, expressed or implied, is
                intended or shall be construed to confer upon any person other
                than the parties hereto and their successors and assigns any
                right, remedy or claim under or by reason of this Agreement.

            (b) ENTIRE AGREEMENT; AMENDMENTS. This Agreement (including the
                exhibit hereto) contains the entire understanding of the parties
                hereto with regard to the subject matter contained herein, and
                supersedes all prior agreements, understandings or letters of
                intent between the parties hereto. This Agreement shall not be
                amended, modified or supplemented except by a written instrument
                signed by an authorized representative of each of the parties
                hereto.

            (c) INTERPRETATION. Headings to sections herein are inserted for
                convenience of reference only and are not intended to affect the
                interpretation of this Agreement.

            (d) PARTIAL INVALIDITY. Wherever possible, each provision hereof
                shall be interpreted in such manner as to be effective and valid
                under applicable law, but in case any one or more of the
                provisions contained herein shall, for any reason, be held to be
                invalid, illegal or unenforceable in any respect, such provision
                shall be ineffective to the extent, but only to the extent, of
                such invalidity, illegality or unenforceability without
                invalidating the remainder of such invalid, illegal or
                unenforceable provision or provisions or any other provisions
                hereof, unless such a construction would be unreasonable.

            (e) EXECUTION IN COUNTERPARTS; FACSIMILE SIGNATURES. This Agreement
                may be executed in counterparts, each of which shall be
                considered an original instrument, but both of which together
                shall be considered one and the

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                same agreement, and shall become binding when both counterparts
                have been signed by each of the parties hereto and delivered to
                each party hereto. Facsimile copies of the signature page hereof
                shall be deemed originals.

            (f) GOVERNING LAW. This Agreement shall be governed by and construed
                in accordance with the internal laws (as opposed to the
                conflicts of law provisions) of the State of Illinois. This
                Agreement shall be governed by and construed in accordance with
                the internal laws (as opposed to the conflicts of law
                provisions) of the State of Illinois. Any litigation between the
                parties which arises out of this Agreement shall be instituted
                and prosecuted only in the appropriate state or federal court or
                other tribunal situated in the County of Cook, and the State of
                Illinois. Each party hereto hereby submits to the exclusive
                jurisdiction of such courts and tribunals for purposes of any
                such action and the enforcement of any judgment or order arising
                therefrom. Each party hereto hereby waives any right to a change
                of venue and any and all objections to the jurisdiction of the
                state and federal courts and other tribunals located in the
                County of Cook, and the State of Illinois.

         IN WITNESS WHEREOF, the parties hereto have made and entered in this
Agreement as of the date first written above.

DEERE PARK CAPITAL, L.L.C.                    DRS REALTY SERVICES, INC.

By:  /s/ David Morris                         By:  /s/ Sam Stern
    ---------------------------------------       ------------------------------
Its: President                                Its: Executive Vice President
    ---------------------------------------       ------------------------------

CROWN NORTHCORP, INC.

By:  /s/ Stephen W. Brown                     /s/ Kevin C. Donahue
    ----------------------------------------  ----------------------------------
Its: Secretary                                KEVIN C. DONAHUE
    ---------------------------------------

/s/ James F. Russell, II                      /s/ Sam Stern
-------------------------------------------   ----------------------------------
JAMES F. RUSSELL, II                          SAM STERN

                                       4<PAGE>   1

                                                                   Exhibit 10.85

                                 PROMISSORY NOTE

$320,152.00                                                       March 27, 2000

         FOR VALUE RECEIVED, the undersigned, CROWN NORTHCORP, INC., a Delaware
corporation ("Maker"), promises to pay to the order of DEERE PARK CAPITAL,
L.L.C., an Illinois limited liability company ("Payee"), at its main business
office (or such other place as Payee may designate from time to time hereafter),
the principal sum of Three Hundred Twenty Thousand One Hundred Fifty-Two Dollars
($320,152.00), with interest thereon at the rate hereinafter set forth. Such sum
shall be due and payable in one installment on September 27, 2001.

         All payments received hereunder shall be first applied to interest and
the balance, if any, to principal and other amounts outstanding hereunder.
Maker's obligations under this Promissory Note ("Note") shall be referred to
herein as "Maker's Liabilities."

         Maker may prepay all or part of the principal, together with accrued
interest on the amount so prepaid, without penalty during the term of this Note.
Time is of the essence of this Note and each of the provisions hereof.

         Maker's Liabilities unpaid from time to time shall bear interest
(computed on the basis of a 360 day year and actual days elapsed) from the date
hereof until paid at a per annum rate at all times equal to ten percent (10.0%).
Interest accruing hereunder shall be payable by Maker to Payee at the maturity
of this Note at the place stated above (or such other place as Payee may
designate from time to time hereafter). All unpaid interest at the maturity
hereof shall be paid with the principal amount of Maker's Liabilities due at
maturity.

         The occurrence of any one of the following events shall constitute a
default by the Maker ("Event of Default") under this Note: (a) if Maker fails to
pay any of Maker's Liabilities on the date same is due and payable or declared
due and payable (whether by scheduled maturity, required payment, acceleration,
demand or otherwise); (b) if Maker or any guarantor of any of Maker's
Liabilities fails or neglects to perform, keep or observe any term, provision,
condition, covenant, warranty or representation contained in this Note; (c)
occurrence of a default or event of default under any agreement, instrument or
document heretofore, now or at any time hereafter delivered by or on behalf of
Maker to Payee; (d) occurrence of a default or an event of default under any
agreement, instrument or document heretofore, now or at any time hereafter
delivered to Payee by any guarantor of Maker's Liabilities or by any person or
entity which has granted to Payee a security interest or lien in and to some or
all of such person's or entity's real or personal property to secure the payment
of Maker's Liabilities; (e) Maker's assets are attached, seized, subjected to a
writ, or are levied upon or become subject to any lien or come within the
possession of any receiver, trustee, custodian or assignee for the benefit of
creditors; (f) if a notice of lien, levy or assessment is filed of record or
given to Maker with respect to all or any of Maker's assets by any federal,
state or local department or agency; (g) if Maker or any guarantor of Maker's
Liabilities becomes insolvent or generally fails to pay or admits in writing its
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inability to pay debts as they become due, if a petition under Title 11 of the
United States Code or any similar law or regulation is filed by or against Maker
or any such guarantor; if Maker or any such guarantor shall make an assignment
for the benefit of creditors; if, where applicable, any case or proceeding is
filed by or against Maker or any such guarantor for its dissolution or
liquidation; or if Maker or any such guarantor is enjoined, restrained or in any
way prevented by court order from conducting all or any material part of its
business affairs; (h) the death or incompetency of any guarantor of Maker's
Liabilities, or the appointment of a conservator for all or any portion of
Maker's assets; (i) the revocation, termination or cancellation of any guaranty
of Maker's Liabilities without written consent of Payee; or (j) if any material
statement, report or certificate made or delivered to Payee by Maker, any of
Maker's officers, employees or agents, or any guarantor of Maker's Liabilities
is not true and correct.

         Upon the occurrence of an Event of Default, at Payee's option, without
notice by Payee to or demand by Payee of Maker, all of Maker's Liabilities shall
be immediately due and payable.

         Commencing upon the occurrence of an Event of Default, interest on the
unpaid principal balance shall accrue at a rate equal to the lesser of (i)
fifteen percent (15%) per annum, or (ii) the highest rate permitted under
applicable law.

         If any payment becomes due and payable on a Saturday, Sunday or legal
holiday under the laws of the State of Illinois, the due date of such payment
shall be extended to the next business day. If the date for payment of principal
is thereby extended by operation of law or otherwise, interest thereon shall be
payable for such extended time.

         The acceptance by Payee of any partial payment made hereunder after the
time when any of Maker's Liabilities become due and payable will not establish a
custom, or waive any rights of Payee to enforce prompt payment thereof. Payee's
failure to require strict performance by Maker of any provision of this Note or
any related document shall not waive, affect or diminish any right of Payee
thereafter to demand strict compliance and performance therewith. Any waiver of
an Event of Default shall not suspend, waive or affect any other Event of
Default. Maker and every endorser waive presentment, demand and protest and
notice of presentment, protest, default, non-payment, maturity, release,
compromise, settlement, extension or renewal of this Note, and hereby ratify and
confirm whatever Payee may do in this regard. Maker further waives any and all
notice or demand to which Maker might be entitled with respect to this Note by
virtue of any applicable statute or law (to the extent permitted by law).

         In addition to principal and interest, Payee shall be entitled to
collect all costs, including, but not limited to, all costs of collection and
reasonable attorneys' fees incurred in connection with the protection or
realization of collateral or in connection with any of Payee's collection or
enforcement efforts, whether or not suit on this Note or any related document is
filed, and all such costs and expenses shall be payable on demand. To the extent
not paid, the same shall become part of Maker's Liabilities.

         If any provision of this Note or the application thereof to any party
or circumstance is held invalid or unenforceable, the remainder of this Note and
the application thereof to other parties or circumstances will not be affected
thereby, the provisions of this Note being severable in any such instance.

                                      -2-
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         Maker hereby agrees that so long as there is any outstanding principal
or interest hereunder, Maker shall provide Payee with copies, on a monthly
basis, of financial statements and reports concerning the financial performance
and condition, and assets and liabilities, of Maker (the "Financial Reports").
The Financial Reports shall be provided to Payee on or before the twentieth
(20th) day of each month, and shall contain information regarding Maker's
performance in the prior month, and other financial information provided by
Maker during such month to its directors and officers.

         This Note shall be governed and controlled by the laws of the State of
Illinois as to interpretation, enforcement, validity, construction, effect,
choice of law and in all other respects.

         No modification, waiver, estoppel, amendment, discharge or change of
this Note or any related instrument shall be valid unless the same is in writing
and signed by the party against which the enforcement of such modification,
waiver, estoppel, amendment, discharge or change is sought.

         This Note shall be binding upon Maker and its successors and permitted
assigns and inure to the benefit of Payee and its successors and assigns.

         TO INDUCE PAYEE TO ACCEPT THIS NOTE, MAKER IRREVOCABLY AGREES THAT,
SUBJECT TO PAYEE'S SOLE AND ABSOLUTE ELECTION, ALL ACTIONS OR PROCEEDINGS IN ANY
WAY, MANNER OR RESPECT, ARISING OUT OF OR FROM OR RELATED TO THIS NOTE AND ANY
DOCUMENT RELATED THERETO IN ANY STATE OR FEDERAL COURT LOCATED IN COOK COUNTY,
ILLINOIS. MAKER HEREBY CONSENTS AND SUBMITS TO THE JURISDICTION OF ANY SUCH
COURT AND HEREBY WAIVES ANY OBJECTION IT MAY HAVE BASED ON IMPROPER VENUE OR
FORUM NON CONVENIENS TO THE CONDUCT OF ANY PROCEEDING BROUGHT AGAINST MAKER BY
PAYEE IN ACCORDANCE WITH THIS PARAGRAPH.

                                     MAKER:

                                     CROWN NORTHCORP, INC.

                                     By: /s/ Stephen W. Brown
                                         ---------------------------------------
                                     Its:  Secretary

                                      -3-

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