Document:

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                                                                    EXHIBIT 10.5

                        FUTURUS FINANCIAL SERVICES, INC.
                            2000 STOCK INCENTIVE PLAN

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                                TABLE OF CONTENTS

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SECTION 1  DEFINITIONS..........................................................1
   1.1      DEFINITIONS.........................................................1

SECTION 2  THE STOCK INCENTIVE PLAN.............................................4
   2.1      PURPOSE OF THE PLAN.................................................4
   2.2      STOCK SUBJECT TO THE PLAN...........................................4
   2.3      ADMINISTRATION OF THE PLAN..........................................4
   2.4      ELIGIBILITY AND LIMITS..............................................5

SECTION 3  TERMS OF STOCK INCENTIVES............................................5
   3.1      GENERAL TERMS AND CONDITIONS........................................5
   3.2      TERMS AND CONDITIONS OF OPTIONS.....................................6
      (A)   OPTION PRICE........................................................7
      (B)   OPTION TERM.........................................................7
      (C)   PAYMENT.............................................................7
      (D)   CONDITIONS TO THE EXERCISE OF AN OPTION.............................7
      (E)   TERMINATION OF INCENTIVE STOCK OPTION...............................8
      (F)   SPECIAL PROVISIONS FOR CERTAIN SUBSTITUTE OPTIONS...................8
   3.3      TREATMENT OF AWARDS UPON TERMINATION OF SERVICE.....................8

SECTION 4  RESTRICTIONS ON STOCK................................................8
   4.1      ESCROW OF SHARES....................................................8
   4.2      RESTRICTIONS ON TRANSFER............................................9

SECTION 5  GENERAL PROVISIONS...................................................9
   5.1      WITHHOLDING.........................................................9
   5.2      CHANGES IN CAPITALIZATION; MERGER; LIQUIDATION......................9
   5.3      CASH AWARDS........................................................10
   5.4      COMPLIANCE WITH CODE...............................................10
   5.5      RIGHT TO TERMINATE SERVICE.........................................10
   5.6      RESTRICTIONS ON DELIVERY AND SALE OF SHARES; LEGENDS...............11
   5.7      NON-ALIENATION OF BENEFITS.........................................11
   5.8      TERMINATION AND AMENDMENT OF THE PLAN..............................11
   5.9      STOCKHOLDER APPROVAL...............................................11
   5.10     CHOICE OF LAW......................................................11

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                        FUTURUS FINANCIAL SERVICES, INC.
                            2000 STOCK INCENTIVE PLAN

                              SECTION 1 DEFINITIONS

         1.1  DEFINITIONS. Whenever used herein, the masculine pronoun shall be
deemed to include the feminine, and the singular to include the plural, unless
the context clearly indicates otherwise, and the following capitalized words and
phrases are used herein with the meaning thereafter ascribed:

              (a)  "BANK" means Futurus Bank, N.A., a national bank.

              (b)  "BOARD OF DIRECTORS" means the board of directors of the
Company.

              (c)  "CAUSE" has the same meaning as provided in the employment
agreement between the Participant and the Company or affiliate(s) on the date of
Termination of Service, or if no such definition or employment agreement exists,
"Cause" means conduct amounting to (1) fraud or dishonesty against the Company
or affiliate(s), (2) Participant's willful misconduct, repeated refusal to
follow the reasonable directions of the Board of Directors or knowing violation
of law in the course of performance of the duties of Participant's service with
the Company or affiliate(s), (3) repeated absences from work without a
reasonable excuse, (4) repeated intoxication with alcohol or drugs while on the
Company or affiliate(s)' premises during regular business hours, (5) a
conviction or plea of guilty or NOLO CONTENDERE to a felony or a crime involving
dishonesty, or (6) a breach or violation of the terms of any agreement to which
Participant and the Company or affiliate(s) are party.

              (d)  "CHANGE IN CONTROL" means any one of the following events
which may occur after the date the Stock Incentive is granted:

                   (1)  the acquisition by any person or persons acting in
concert of the then outstanding voting securities of either the Bank or the
Company, if, after the transaction, the acquiring person (or persons) owns,
controls or holds with power to vote fifty percent (50%) or more of any class of
voting securities of either the Bank or the Company, as the case may be;

                   (2)  within any twelve-month period the persons who were
directors of either the Bank or the Company immediately before the beginning of
such twelve-month period (the "Incumbent Directors") shall cease to constitute
at least a majority of such board of directors; provided that any director who
was not a director as of the beginning of such twelve-month period shall be
deemed to be an Incumbent Director if that director were elected to such board
of directors by, or on the recommendation of or with the approval of, at least
two-thirds of the directors who then qualified as Incumbent Directors; and
provided further that no director whose initial assumption of office is in
connection with an actual or threatened election contest (as such terms are used
in Rule 14a-11 of Regulation 14A promulgated under the Securities Exchange Act
of 1934) relating to the election of directors shall be deemed to be an
Incumbent Director;

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                   (3)  a reorganization, merger or consolidation, with respect
to which persons who were the stockholders of either the Bank or the Company, as
the case may be, immediately prior to such reorganization, merger or
consolidation do not, immediately thereafter, own more than fifty percent (50%)
of the combined voting power entitled to vote in the election of directors of
the reorganized, merged or consolidated company's then outstanding voting
securities; or

                   (4)  the sale, transfer or assignment of all or substantially
all of the assets of the Company and its subsidiaries to any third party.

              (e)  "COMPANY" means Futurus Financial Services, Inc., a
corporation organized under the laws of the State of Georgia as a bank holding
company.

              (f)  "CODE" means the Internal Revenue Code of 1986, as amended.

              (g)  "COMMITTEE" means the committee appointed by the Board of
Directors to administer the Plan pursuant to Plan Section 2.3. The members of
the Committee shall consist solely of at least two members of the Board of
Directors who are both "outside directors" as defined in Treasury Regulations
Section 1.162-27(e) as promulgated by the Internal Revenue Service and
"non-employee directors" as defined in Rule 16b-3(b)(3) as promulgated under the
Exchange Act.

              (h)  "DISABILITY" has the same meaning as provided in the
long-term disability plan or policy maintained or, if applicable, most recently
maintained, by the Company or affiliate for the Participant. If no long-term
disability plan or policy was ever maintained on behalf of the Participant or,
if the determination of Disability relates to an Incentive Stock Option,
Disability shall mean that condition described in Code Section 22(e)(3), as
amended from time to time. In the event of a dispute, the determination of
Disability shall be made by the board of directors and shall be supported by
advice of a physician competent in the area to which such Disability relates.

              (i)  "DISPOSITION" means any conveyance, sale, transfer,
assignment, pledge or hypothecation, whether outright or as security, inter
vivos or testamentary, with or without consideration, voluntary or involuntary.

              (j)  "FAIR MARKET VALUE" refers to the determination of value of a
share of Stock. If the Stock is actively traded on any national securities
exchange or any Nasdaq quotation or market system, Fair Market Value shall mean
the closing price at which sales of Stock shall have been sold on the most
recent trading date immediately prior to the date of determination, as reported
by any such exchange or system selected by the Committee on which the shares of
Stock are then traded. If the shares of Stock are not actively traded on any
such exchange or system, Fair Market Value shall mean the arithmetic mean of the
bid and asked prices for the shares of Stock on the most recent trading date
within a reasonable period prior to the determination date as reported by such
exchange or system. If there are no bid and asked prices within a reasonable
period or if the shares of Stock are not traded on any exchange or system as of
the determination date, Fair Market Value shall mean the fair market value of a

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share of Stock as determined by the Committee taking into account such facts and
circumstances deemed to be material by the Committee to the value of the Stock
in the hands of the Participant; provided that, for purposes of granting awards
other than Incentive Stock Options, Fair Market Value of a share of Stock may be
determined by the Committee by reference to the average market value determined
over a period certain or as of specified dates, to a tender offer price for the
shares of Stock (if settlement of an award is triggered by such an event) or to
any other reasonable measure of fair market value and provided further that, for
purposes of granting Incentive Stock Options, Fair Market Value of a share of
Stock shall be determined in accordance with the valuation principles described
in the regulations promulgated under Code Section 422.

              (k)  "INCENTIVE STOCK OPTION" means an incentive stock option, as
defined in Code Section 422, described in Plan Section 3.2.

              (l)  "NON-QUALIFIED STOCK OPTION" means a stock option, other than
an option qualifying as an Incentive Stock Option, described in Plan Section
3.2.

              (m)  "OPTION" means a Non-Qualified Stock Option or an Incentive
Stock Option.

              (n)  "OVER 10% OWNER" means an individual who at the time an
Incentive Stock Option is granted owns Stock possessing more than 10% of the
total combined voting power of the Company or one of its Parents or
Subsidiaries, determined by applying the attribution rules of Code Section
424(d).

              (o)  "PARENT" means any corporation (other than the Company) in an
unbroken chain of corporations ending with the Company if, with respect to
Incentive Stock Options, at the time of granting of the Incentive Stock Option,
each of the corporations other than the Company owns stock possessing 50% or
more of the total combined voting power of all classes of stock in one of the
other corporations in the chain.

              (p)  "PARTICIPANT" means an individual who receives a Stock
Incentive hereunder.

              (q)  "PLAN" means the Futurus Financial Services, Inc. 2000 Stock
Incentive Plan.

              (r)  "STOCK" means the Company's common stock, no par value.

              (s)  "STOCK INCENTIVE AGREEMENT" means an agreement between the
Company and a Participant or other documentation evidencing an award of a Stock
Incentive.

              (t)  "STOCK INCENTIVES" means, collectively, Incentive Stock
Options and Non-Qualified Stock Options.

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              (u)  "SUBSIDIARY" means any corporation (other than the Company)
in an unbroken chain of corporations beginning with the Company if, with respect
to Incentive Stock Options, at the time of the granting of the Incentive Stock
Option, each of the corporations other than the last corporation in the unbroken
chain owns stock possessing 50% or more of the total combined voting power of
all classes of stock in one of the other corporations in the chain.

              (v)  "TERMINATION OF SERVICE" means the termination of the
service relationship, whether employment or otherwise, between a Participant and
the Company and any affiliates, regardless of the fact that severance or similar
payments are made to the Participant for any reason, including, but not by way
of limitation, a termination by resignation, discharge, death, Disability or
retirement. The Committee shall, in its absolute discretion, determine the
effect of all matters and questions relating to Termination of Service,
including, but not by way of limitation, the question of whether a leave of
absence constitutes a Termination of Service, or whether a Termination of
Service is for Cause.

                       SECTION 2 THE STOCK INCENTIVE PLAN

         2.1  PURPOSE OF THE PLAN. The Plan is intended to (a) provide
incentives to officers, employees, directors and organizers of the Company to
stimulate their efforts toward the continued success of the Company and to
operate and manage the business in a manner that will provide for the long-term
growth and profitability of the Company; (b) encourage stock ownership by
officers, employees, directors and organizers by providing them with a means to
acquire a proprietary interest in the Company by acquiring shares of Stock; and
(c) provide a means of obtaining and rewarding key personnel.

         2.2  STOCK SUBJECT TO THE PLAN. Subject to adjustment in accordance
with Section 5.2, 110,000 shares of Stock (the "Maximum Plan Shares") are hereby
reserved exclusively for issuance pursuant to Stock Incentives. At such time as
the Company becomes subject to Section 16 of the Exchange Act, at no time shall
the Company have outstanding Stock Incentives subject to Section 16 of the
Exchange Act and shares of Stock issued in respect of Stock Incentives in excess
of the Maximum Plan Shares. The shares of Stock attributable to the nonvested,
unpaid, unexercised, unconverted or otherwise unsettled portion of any Stock
Incentive that is forfeited or cancelled or expires or terminates for any reason
without becoming vested, paid, exercised, converted or otherwise settled in full
shall not again be available for purposes of the Plan. If, after grant, the
exercise price of an Option is reduced, the transaction shall be treated as the
cancellation of the Option and the grant of a new Option.

         2.3  ADMINISTRATION OF THE PLAN. The Plan shall be administered by the
Committee. The Committee shall have full authority in its discretion to
determine the officers, employees, directors and organizers of the Company or
its affiliates to whom Stock Incentives shall be granted and the terms and
provisions of Stock Incentives subject to the Plan. Subject to the provisions of
the Plan, the Committee shall have full and conclusive authority to interpret
the Plan; to prescribe, amend and rescind rules and regulations relating to the
Plan; to determine the terms and provisions of the respective Stock Incentive
Agreements and to make all other determinations necessary or advisable for the
proper administration of the Plan. The Committee's determinations under the Plan
need not be uniform and may be made by it

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selectively among persons who receive, or are eligible to receive, awards under
the Plan (whether or not such persons are similarly situated). The Committee's
decisions shall be final and binding on all Participants. Each member of the
Committee shall serve at the discretion of the Board of Directors and the Board
of Directors may from time to time remove members from or add members to the
Committee. Vacancies on the Committee shall be filled by the Board of Directors.

         The Committee shall select one of its members as chairman and shall
hold meetings at the times and in the places as it may deem advisable. Acts
approved by a majority of the Committee in a meeting at which a quorum is
present, or acts reduced to or approved in writing by a majority of the members
of the Committee, shall be the valid acts of the Committee.

         2.4  ELIGIBILITY AND LIMITS. Stock Incentives may be granted only to
officers, employees, directors and organizers of the Company or any affiliate;
provided, however, that an Incentive Stock Option may only be granted to an
employee of the Company or any Subsidiary. In the case of Incentive Stock
Options, the aggregate Fair Market Value (determined as of the date an Incentive
Stock Option is granted) of stock with respect to which stock options intended
to meet the requirements of Code Section 422 become exercisable for the first
time by an individual during any calendar year under all plans of the Company
and its Parents and Subsidiaries shall not exceed $100,000; provided further,
that if the limitation is exceeded, the Incentive Stock Option(s) which cause
the limitation to be exceeded shall be treated as Non-Qualified Stock Option(s).
Pursuant to Section 162(m) of the Code and the regulations thereunder, for
compensation to be treated as qualified performance based compensation, the
maximum number of shares of Stock with respect to which Options may be granted
during any one year period to any employee may not exceed 75,000, subject to
adjustment in accordance with Section 5.2.

                       SECTION 3 TERMS OF STOCK INCENTIVES

         3.1  GENERAL TERMS AND CONDITIONS.

              (a)  The number of shares of Stock as to which a Stock Incentive
shall be granted shall be determined by the Committee in its sole discretion,
subject to the provisions of Section 2.2, as to the total number of shares
available for grants under the Plan. If a Stock Incentive Agreement so provides,
a Participant may be granted a new Option to purchase a number of shares of
Stock equal to the number of previously owned shares of Stock tendered in
payment of the Exercise Price (as defined below) for each share of Stock
purchased pursuant to the terms of the Stock Incentive Agreement.

              (b)  Each Stock Incentive shall be evidenced by a Stock Incentive
Agreement in such form and containing such terms, conditions and restrictions as
the Committee may determine is appropriate. Each Stock Incentive Agreement shall
be subject to the terms of the Plan and any provision in a Stock Incentive
Agreement that is inconsistent with the Plan shall be null and void.

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              (c)  The date a Stock Incentive is granted shall be the date on
which the Committee has approved the terms of, and satisfaction of any
conditions applicable to, the grant of the Stock Incentive and has determined
the recipient of the Stock Incentive and the number of shares covered by the
Stock Incentive and has taken all such other action necessary to complete the
grant of the Stock Incentive.

              (d)  The Committee may provide in any Stock Incentive Agreement
(or subsequent to the award of a Stock Incentive but prior to its expiration or
cancellation, as the case may be) that, in the event of a Change in Control, the
Stock Incentive shall or may be cashed out on the basis of any price not greater
than the highest price paid for a share of Stock in any transaction reported by
any market or system selected by the Committee on which the shares of Stock are
then actively traded during a specified period immediately preceding or
including the date of the Change in Control or offered for a share of Stock in
any tender offer occurring during a specified period immediately preceding or
including the date the tender offer commences; provided that, in no case shall
any such specified period exceed three (3) months (the "Change in Control
Price"). For purposes of this Subsection, Options shall be cashed out on the
basis of the excess, if any, of the Change in Control Price (but not more than
the Fair Market Value of the Stock on the date of the cash-out in the case of
Incentive Stock Options) over the Exercise Price with or without regard to
whether the Option may otherwise be exercisable only in part.

              (e)  Any Stock Incentive may be granted in connection with all or
any portion of a previously or contemporaneously granted Stock Incentive.
Exercise or vesting of a Stock Incentive granted in connection with another
Stock Incentive may result in a pro rata surrender or cancellation of any
related Stock Incentive, as specified in the applicable Stock Incentive
Agreement.

              (f)  Unless otherwise permitted by the Committee with respect to
Non-Qualified Stock Options, Stock Incentives shall not be transferable or
assignable except by will or by the laws of descent and distribution and shall
be exercisable, during the Participant's lifetime, only by the Participant; in
the event of the Disability of the Participant, by the legal representative of
the Participant; or in the event of the death of the Participant, by the
personal representative of the Participant's estate or if no personal
representative has been appointed, by the successor in interest determined under
the Participant's will.

              (g)  No Stock Incentive shall have a term that extends beyond the
tenth anniversary of the date the Stock Incentive was granted.

         3.2  TERMS AND CONDITIONS OF OPTIONS. Each Option granted under the
Plan shall be evidenced by a Stock Incentive Agreement. At the time any Option
is granted, the Committee shall determine whether the Option is to be an
Incentive Stock Option or a Non-Qualified Stock Option, and the Option shall be
clearly identified as to its status as an Incentive Stock Option or a
Non-Qualified Stock Option. At the time any Incentive Stock Option is exercised,
the Company shall be entitled to place a legend on the certificates representing
the shares of Stock purchased pursuant to the Option to clearly identify them as
shares of Stock purchased upon exercise of an Incentive Stock Option. An
Incentive Stock Option may only be granted within

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ten (10) years from the earlier of the date the Plan is adopted by the Board of
Directors or approved by the Company's stockholders.

              (a)  OPTION PRICE. Subject to adjustment in accordance with
Section 5.2 and the other provisions of this Section 3.2, the exercise price
(the "Exercise Price") per share of Stock purchasable under any Option shall be
as set forth in the applicable Stock Incentive Agreement. With respect to each
grant of an Incentive Stock Option to a Participant who is not an Over 10%
Owner, the Exercise Price per share shall not be less than the Fair Market Value
on the date the Option is granted. With respect to each grant of an Incentive
Stock Option to a Participant who is an Over 10% Owner, the Exercise Price shall
not be less than 110% of the Fair Market Value on the date the Option is
granted. With respect to each grant of a Non-Qualified Stock Option, the
Exercise Price per share shall be no less than 85% of the Fair Market Value.

              (b)  OPTION TERM. The term of an Option shall be as specified in
the applicable Stock Incentive Agreement; provided, however that any Incentive
Stock Option granted to a Participant who is not an Over 10% Owner shall not be
exercisable after the expiration of ten (10) years after the date the Option is
granted and any Incentive Stock Option granted to an Over 10% Owner shall not be
exercisable after the expiration of five (5) years after the date the Option is
granted.

              (c)  PAYMENT. Payment for all shares of Stock purchased pursuant
to the exercise of an Option shall be made in any form or manner authorized by
the Committee in the Stock Incentive Agreement or by amendment thereto,
including, but not limited to, cash or, if the Stock Incentive Agreement
provides, (1) by delivery to the Company of a number of shares of Stock which
have been owned by the holder for at least six (6) months prior to the date of
exercise having an aggregate Fair Market Value of not less than the product of
the Exercise Price multiplied by the number of shares the Participant intends to
purchase upon exercise of the Option on the date of delivery; (2) in a cashless
exercise through a broker; or (3) by having a number of shares of Stock
withheld, the Fair Market Value of which as of the date of exercise is
sufficient to satisfy the Exercise Price. In its discretion, the Committee also
may authorize (at the time an Option is granted or thereafter) Company financing
to assist the Participant as to payment of the Exercise Price on such terms as
may be offered by the Committee in its discretion. Payment shall be made at the
time that the Option or any part thereof is exercised, and no shares shall be
issued or delivered upon exercise of an Option until full payment has been made
by the Participant. The holder of an Option, as such, shall have none of the
rights of a stockholder.

              (d)  CONDITIONS TO THE EXERCISE OF AN OPTION. Each Option granted
under the Plan shall be exercisable by whom, at such time or times, or upon the
occurrence of such event or events, and in such amounts, as the Committee shall
specify in the Stock Incentive Agreement; provided, however, that subsequent to
the grant of an Option, the Committee, at any time before complete termination
of such Option, may accelerate the time or times at which such Option may be
exercised in whole or in part, including, without limitation, upon a Change in
Control and may permit the Participant or any other designated person to
exercise the Option, or

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any portion thereof, for all or part of the remaining Option term
notwithstanding any provision of the Stock Incentive Agreement to the contrary.

              (e)  TERMINATION OF INCENTIVE STOCK OPTION. With respect to an
Incentive Stock Option, in the event of the Termination of Service of a
Participant, the Option or portion thereof held by the Participant which is
unexercised shall expire, terminate, and become unexercisable no later than the
expiration of three (3) months after the date of Termination of Service;
provided, however, that in the case of a holder whose Termination of Service is
due to death or Disability, one (1) year may be substituted for such three (3)
month period. For purposes of this Subsection (e), Termination of Service of the
Participant shall not be deemed to have occurred if the Participant is employed
by another corporation (or a parent or subsidiary corporation of such other
corporation) which has assumed the Incentive Stock Option of the Participant in
a transaction to which Code Section 424(a) is applicable.

              (f)  SPECIAL PROVISIONS FOR CERTAIN SUBSTITUTE OPTIONS.
Notwithstanding anything to the contrary in this Section 3.2, any Option issued
in substitution for an option previously issued by another entity, which
substitution occurs in connection with a transaction to which Code Section
424(a) is applicable, may provide for an exercise price computed in accordance
with such Code Section and the regulations thereunder and may contain such other
terms and conditions as the Committee may prescribe to cause such substitute
Option to contain as nearly as possible the same terms and conditions (including
the applicable vesting and termination provisions) as those contained in the
previously issued option being replaced thereby.

         3.3  TREATMENT OF AWARDS UPON TERMINATION OF SERVICE. Except as
otherwise provided by Plan Section 3.2(e), any award under this Plan to a
Participant who suffers a Termination of Service may be cancelled, accelerated,
paid or continued, as provided in the Stock Incentive Agreement or, in the
absence of such provision, as the Committee may determine. The portion of any
award exercisable in the event of continuation or the amount of any payment due
under a continued award may be adjusted by the Committee to reflect the
Participant's period of service from the date of grant through the date of the
Participant's Termination of Service or such other factors as the Committee
determines are relevant to its decision to continue the award.

                         SECTION 4 RESTRICTIONS ON STOCK

         4.1  ESCROW OF SHARES. Any certificates representing the shares of
Stock issued under the Plan shall be issued in the Participant's name, but, if
the Stock Incentive Agreement so provides, the shares of Stock shall be held by
a custodian designated by the Committee (the "Custodian"). Each applicable Stock
Incentive Agreement providing for transfer of shares of Stock to the Custodian
shall appoint the Custodian as the attorney-in-fact for the Participant for the
term specified in the applicable Stock Incentive Agreement, with full power and
authority in the Participant's name, place and stead to transfer, assign and
convey to the Company any shares of Stock held by the Custodian for such
Participant, if the Participant forfeits the shares under the terms of the
applicable Stock Incentive Agreement. During the period that the Custodian holds
the shares subject to this Section, the Participant shall be entitled to all
rights, except as provided

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in the applicable Stock Incentive Agreement, applicable to shares of Stock not
so held. Any dividends declared on shares of Stock held by the Custodian shall,
as the Committee may provide in the applicable Stock Incentive Agreement, be
paid directly to the Participant or, in the alternative, be retained by the
Custodian until the expiration of the term specified in the applicable Stock
Incentive Agreement and shall then be delivered, together with any proceeds,
with the shares of Stock to the Participant or to the Company, as applicable.

         4.2  RESTRICTIONS ON TRANSFER. The Participant shall not have the right
to make or permit to exist any Disposition of the shares of Stock issued
pursuant to the Plan except as provided in the Plan or the applicable Stock
Incentive Agreement. Any Disposition of the shares of Stock issued under the
Plan by the Participant not made in accordance with the Plan or the applicable
Stock Incentive Agreement shall be void. The Company shall not recognize, or
have the duty to recognize, any Disposition not made in accordance with the Plan
and the applicable Stock Incentive Agreement, and the shares so transferred
shall continue to be bound by the Plan and the applicable Stock Incentive
Agreement.

                          SECTION 5 GENERAL PROVISIONS

         5.1  WITHHOLDING. The Company shall deduct from all cash distributions
under the Plan any taxes required to be withheld by federal, state or local
government. Whenever the Company proposes or is required to issue or transfer
shares of Stock under the Plan, the Company shall have the right to require the
recipient to remit to the Company an amount sufficient to satisfy any federal,
state and local withholding tax requirements prior to the delivery of any
certificate or certificates for such shares. A Participant may pay the
withholding tax in cash, by tendering shares of Stock which have been owned by
the holder for at least six (6) months prior to the date of exercise or, if the
applicable Stock Incentive Agreement provides, a Participant may elect to have
the number of shares of Stock he is to receive reduced by the smallest number of
whole shares of Stock which, when multiplied by the Fair Market Value of the
shares of Stock determined as of the Tax Date (defined below), is sufficient to
satisfy federal, state and local, if any, withholding taxes arising from
exercise or payment of a Stock Incentive (a "Withholding Election"). A
Participant may make a Withholding Election only if both of the following
conditions are met:

              (a)  The Withholding Election must be made on or prior to the date
on which the amount of tax required to be withheld is determined (the "Tax
Date") by executing and delivering to the Company a properly completed notice of
Withholding Election as prescribed by the Committee; and

              (b)  Any Withholding Election made will be irrevocable; however,
the Committee may, in its sole discretion, disapprove and give no effect to the
Withholding Election.

         5.2  CHANGES IN CAPITALIZATION; MERGER; LIQUIDATION.

              (a)  The number of shares of Stock reserved for the grant of
Options and the number of shares of Stock reserved for issuance upon the
exercise or payment, as applicable, of each outstanding Option, and the Exercise
Price of each outstanding Option shall be

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proportionately adjusted for any increase or decrease in the number of issued
shares of Stock resulting from a subdivision or combination of shares or the
payment of an ordinary stock dividend in shares of Stock to holders of
outstanding shares of Stock or any other increase or decrease in the number of
shares of Stock outstanding effected without receipt of consideration by the
Company.

              (b)  In the event of any merger, consolidation, extraordinary
dividend (including a spin-off), reorganization or other change in the corporate
structure of the Company or its Stock or tender offer for shares of Stock, the
Committee, in its sole discretion, may make such adjustments with respect to
awards and take such other action as it deems necessary or appropriate to
reflect or in anticipation of such merger, consolidation, extraordinary dividend
(including a spin-off), reorganization, other change in corporate structure or
tender offer, including, without limitation, the substitution of new awards, the
termination or adjustment of outstanding awards, the acceleration of awards or
the removal of restrictions on outstanding awards, all as may be provided in the
applicable Stock Incentive Agreement or, if not expressly addressed therein, as
the Committee subsequently may determine in the event of any such merger,
consolidation, extraordinary dividend (including a spin-off), reorganization or
other change in the corporate structure of the Company or its Stock or tender
offer for shares of Stock. Any adjustment pursuant to this Section 5.2 may
provide, in the Committee's discretion, for the elimination without payment
therefor of any fractional shares that might otherwise become subject to any
Stock Incentive.

              (c)  The existence of the Plan and the Stock Incentives granted
pursuant to the Plan shall not affect in any way the right or power of the
Company to make or authorize any adjustment, reclassification, reorganization or
other change in its capital or business structure, any merger or consolidation
of the Company, any issue of debt or equity securities having preferences or
priorities as to the Stock or the rights thereof, the dissolution or liquidation
of the Company, any sale or transfer of all or any part of its business or
assets, or any other corporate act or proceeding.

         5.3  CASH AWARDS. The Committee may, at any time and in its discretion,
grant to any holder of a Stock Incentive the right to receive, at such times and
in such amounts as determined by the Committee in its discretion, a cash amount
which is intended to reimburse such person for all or a portion of the federal,
state and local income taxes imposed upon such person as a consequence of the
receipt of the Stock Incentive or the exercise of rights thereunder.

         5.4  COMPLIANCE WITH CODE. All Incentive Stock Options to be granted
hereunder are intended to comply with Code Section 422, and all provisions of
the Plan and all Incentive Stock Options granted hereunder shall be construed in
such manner as to effectuate that intent.

         5.5  RIGHT TO TERMINATE SERVICE. Nothing in the Plan or in any Stock
Incentive Agreement shall confer upon any Participant the right to continue as
an officer, employee, director or organizer of the Company or affect the right
of the Company to terminate the Participant's service at any time.

                                       10

<PAGE>

         5.6  RESTRICTIONS ON DELIVERY AND SALE OF SHARES; LEGENDS. Each Stock
Incentive is subject to the condition that if at any time the Committee, in its
discretion, shall determine that the listing, registration or qualification of
the shares covered by such Stock Incentive upon any securities exchange or under
any state or federal law is necessary or desirable as a condition of or in
connection with the granting of such Stock Incentive or the purchase or delivery
of shares thereunder, the delivery of any or all shares pursuant to such Stock
Incentive may be withheld unless and until such listing, registration or
qualification shall have been effected. If a registration statement is not in
effect under the Securities Act of 1933 or any applicable state securities laws
with respect to the shares of Stock purchasable or otherwise deliverable under
Stock Incentives then outstanding, the Committee may require, as a condition of
exercise of any Option or as a condition to any other delivery of Stock pursuant
to a Stock Incentive, that the Participant or other recipient of a Stock
Incentive represent, in writing, that the shares received pursuant to the Stock
Incentive are being acquired for investment and not with a view to distribution
and agree that the shares will not be disposed of except pursuant to an
effective registration statement, unless the Company shall have received an
opinion of counsel that such disposition is exempt from such requirement under
the Securities Act of 1933 and any applicable state securities laws. The Company
may include on certificates representing shares delivered pursuant to a Stock
Incentive such legends referring to the foregoing representations or
restrictions or any other applicable restrictions on resale as the Company, in
its discretion, shall deem appropriate.

         5.7  NON-ALIENATION OF BENEFITS. Other than as specifically provided
with regard to the death of a Participant, no benefit under the Plan shall be
subject in any manner to anticipation, alienation, sale, transfer, assignment,
pledge, encumbrance or charge; and any attempt to do so shall be void. No such
benefit shall, prior to receipt by the Participant, be in any manner liable for
or subject to the debts, contracts, liabilities, engagements or torts of the
Participant.

         5.8  TERMINATION AND AMENDMENT OF THE PLAN. The Board of Directors at
any time may amend or terminate the Plan without stockholder approval; provided,
however, that the Board of Directors may condition any amendment on the approval
of stockholders of the Company if such approval is necessary or advisable with
respect to tax, securities or other applicable laws. No such termination or
amendment without the consent of the holder of a Stock Incentive shall adversely
affect the rights of the Participant under such Stock Incentive.

         5.9  STOCKHOLDER APPROVAL. The Plan must be submitted to the
stockholders of the Company for their approval within twelve (12) months before
or after the adoption of the Plan by the Board of Directors. If such approval is
not obtained, any Stock Incentive granted hereunder will be void.

         5.10 CHOICE OF LAW. The laws of the State of Georgia shall govern the
Plan, to the extent not preempted by federal law.

                         [Signatures on following page]

                                       11

<PAGE>

         IN WITNESS WHEREOF, the Company has caused this Plan to be executed as
of this 21st day of January, 2000.

                                  FUTURUS FINANCIAL SERVICES, INC.

                                  By: /s/ William M. Butler
                                     ----------------------------------------
                                  Title: President & Chief Executive Officer
                                         ------------------------------------
ATTEST:

/s/ C. Parke Day
----------------------------
Secretary

      [SEAL]

                                       12<PAGE>

                                                                    EXHIBIT 10.6

KDA FINANCIAL                PROJECT DEVELOPMENT AND
                             CONSTRUCTION AGREEMENT

This Agreement is between:   FUTURUS FINANCIAL SERVICES, INC.
                             1580 WARSAW ROAD
                             ROSWELL, GEORGIA 30076

(hereinafter referred to as "Owner") and KDA FINANCIAL, INC., MARIETTA, GEORGIA
(hereinafter referred to as "KDA", "Consultant", "Architect", and "Construction
Manager" as the context requires).

Owner engages KDA to:        PLAN, DESIGN, EQUIP, FURNISH AND
                             INSTALL A NEW MAIN OFFICE AT THE SOUTHWEST CORNER
                             OF WINDWARD PARKWAY AND JORDAN COURT IN ALPHARETTA,
                             GEORGIA.

Under the following terms & conditions:

I.   PHASE I: CONSULTING AND SCHEMATIC DESIGN

KDA, through its agents and employees shall render Consulting and Architectural
services as set forth hereinafter.

A.   Analyze Owner's organization to include services, operations, existing
     facility(ies), departmentalization, space utilization, work flow, equipment
     and the utilization and function of all personnel.

B.   In addition to the above, the following review and analysis will be done:

     -   Determine Owner's preferences in facility type and architectural style.
     -   Review and determine facility needs, personnel and space requirements.
     -   Determine whether special equipment may be required.
     -   Establish budgetary considerations with the Owner.
     -   Analyze growth patterns of the institution and the community.
     -   Review traffic patterns along with proposed transportation improvements
         that may impact the project.

C.   Based on the analysis and investigation, KDA will prepare a written
     architectural program consisting of those above-mentioned components which
     shall be used by the design team to develop the Schematic Design solution
     that includes:

     1.  Site Plan.
     2.  Floor Plan and Function.
     3.  Exterior Concept.

D.   Based on the design solution, KDA shall develop a "Budget Estimate of
     Construction Cost" (See Section IV.A.)  for the project to include the
     following:

     -   Site Work.
     -   Building Work.
     -   Interior Work.
     -   Security Equipment.

                                                                               1

<PAGE>

E.  KDA shall make diligent effort in the development of the above and present
the design solution and cost to the Owner within a maximum of sixty (60) days
from the date of contract and receipt of all information required from the
Owner.

II.  PHASE II: DESIGN DEVELOPMENT

With Owner's approval of the Schematic Design and Budget identified in Phase I
above, and with written authorization for KDA to continue the design process,
KDA and the architect shall proceed with the Design Development Phase (Phase
II).

A.   The Design Development Phase shall consist of the following as required:

     -   Detailed Site Plan.
     -   Floor plan(s) and Function.
     -   Exterior Elevations.
     -   Reflected Ceiling Plan(s).
     -   Preliminary Engineering Documents (structural, mechanical and
         electrical).
     -   Typical Wall Sections.
     -   Security System Considerations.
     -   Furniture Floor Plan(s).
     -   Written Scope of Work to include both General Work and Interior Work.
     -   Exterior Rendering(s).
     -   Interior Rendering(s).
     -   Estimate of Construction Cost (See Section IV.B.).
     -   Interior Finish and Sample Boards.

B.   Concurrent with, and included in the above, KDA shall prepare a design
     solution for the interior areas of the facility illustrating functional
     planning, special equipment requirements, interior decorating, lighting,
     furnishings and finishes.

C.   KDA shall prepare the Estimate of Construction Cost (See Section IV.B.)
     which shall be confirmed in writing and guaranteed per Phase II. (See
     Section II.D.1.,D.2. & D.3) This Estimate of Construction Cost shall
     include:

     1.  The cost of construction including subcontract work; interior work;
         reproduction of documents; any required renderings; all costs
         associated with civil, soils, environmental or other construction
         tests, surveys or consulting fees required by the owner or any
         governmental agency; permit fees; materials; tools; tool rentals;
         supplies; equipment; utilities; premiums for worker's compensation and
         comprehensive general liability insurance; reasonable superintendent
         travel and living expense; wages, salaries and benefits of any KDA
         field personnel engaged at the project or owner location; reasonable
         travel expenses to the project by the consultant, designer, architect,
         engineers, project development or project management personnel;
         subcontractor and vendor guarantee; material handling; shipping; and
         any other project related expenses that may be incurred in the
         development and construction of the project. There will also be
         included in the estimate of construction cost, KDA's construction
         management overhead expense and fee for the project.

     2.  Items for which a definite cost cannot be established shall be
         identified in the Estimate of Construction Cost as an "Allowance" (See
         Section IV.D.). The Estimate of Construction Cost will be adjusted up
         or down based on the actual cost incurred for such items.

     3.  Estimate of Construction Cost WILL NOT INCLUDE the following items:

         a.   Cost of real estate.
         b.   Business machines, ATM's, telephone systems, music systems or
              similar equipment.
         c.   Consulting, architectural and engineering fees.
         d.   Sales, use, privilege, value added taxes or similar levies.
         e.   Performance and Payment Bonds.
         f.   Reimbursable Expenses as defined in Section V. D. 1. - 2.
         g.   Interior plantscaping.

                                                                               2

<PAGE>

D.   Guaranteed Cost

     1.  KDA guarantees that the Final Construction Cost shall not exceed the
         Estimate of Construction Cost (as defined in Section IV.B. & C.), plus
         changes in the work authorized by the Owner, and allowance item
         adjustments affecting the final cost of the project, by more than ten
         percent (10%).

     2.  Should the final construction cost be less than the estimate of
         construction cost, a savings will result. KDA shall be paid an
         incentive equal to twenty percent (20%) of the savings for the first
         ten percent (10%) and the owner shall receive eighty percent (80%) of
         the savings for the first ten percent (10%). The owner shall receive
         any and all savings exceeding the first ten percent (10%).

     3.  Should the final construction cost exceed the estimate of construction
         cost, an overage will result. KDA shall absorb twenty percent (20%) of
         the overage for the first ten percent (10%) and the owner shall pay
         eighty percent (80%) of the overage for the first ten percent (10%).
         Any overage exceeding the first ten percent (10%) shall be absorbed by
         KDA.

     Upon written approval by the Owner of the Design Development and
     Confirmation of Estimate of Construction Cost (Exhibit I attached), and
     with the Owner's authorization to proceed, KDA shall perform Phase III of
     this agreement.

III. PHASE III: CONSTRUCTION DOCUMENTS AND CONSTRUCTION MANAGEMENT

A.   Construction Documents

     1.  Prepare Construction Documents for the project consisting of working
         drawings and specifications setting forth in detail and prescribing the
         work to be accomplished and the materials, workmanship, finishes and
         equipment required for the architectural, interiors, structural,
         security systems and equipment, mechanical, electrical and site work.

     2.  Expedite the Construction Documents and such other documents as
         Construction Manager may deem necessary to permit the earliest
         reasonable start of construction.

     3.  Include in Construction Documents appropriate General Conditions which
         define the duties, rights, responsibilities and relationship of all
         parties.

     4.  Warrant the Construction Documents to be in compliance with existing
         laws, building regulations and ordinances in force where the project is
         located.

B.   KDA Responsibilities

     1.  Total responsibility for the performance of all work necessary for the
         satisfactory completion of the project in accordance with the
         Construction Documents.

     2.  Replacement of work found to be defective within one ( 1 ) year
         following substantial completion of the project.

     3.  Incorporate into the documents any changes in the work authorized in
         writing, by the Owner.

     4.  Furnish all labor, materials, tools, equipment and services required to
         perform all work as defined in the Construction Documents.

     5.  Secure bids or quotations for materials, services and subcontracts for
         general work and determine the most acceptable suppliers or
         subcontractors. If the Owner elects to use a subcontractor or supplier
         other than the low qualified bidder that KDA recommends, KDA shall be
         entitled to a change order from the Owner to compensate KDA for any
         increase in cost that is the result of using the Owner's preferred
         subcontractor or material supplier.

     6.  Prepare and issue all purchase orders, subcontracts and any other
         construction related documents.

     7.  Furnish and install interior work from KDA's own sources (See Section
         IV.E.).

     8.  Provide a competent superintendent and other project related employees
         to direct and coordinate the work.

                                                                               3

<PAGE>

     9.  Prepare job payrolls and related government reports.

     10. Maintain proper records and keep an accurate and detailed account of
         all transactions resulting from the performance of the work.

     11. Maintain Worker's Compensation and Comprehensive General Liability
         insurance.

     12. Prepare and issue checks for payment of the work, drawn on the Owner's
         Construction account, detailing each item to be paid.

     13. Upon completing the work, provide the Owner with a detailed final
         statement of cost called Final Billing (IV.G.).

     14. Furnish all working drawings and specifications required of the
         construction work.

     15. Assist Owner in normal filing of documents for approval of authorities
         governing construction. Should an inordinate amount of time be required
         to gain such approvals, KDA shall submit to the Owner in advance, a
         statement of anticipated cost and such cost shall be a reimbursable
         expense.

     16. Make periodic and timely inspections of the work to insure compliance
         with the intent of the Construction Documents.

     17. Check and approve shop drawings, samples, schedules and other
         submittals for compliance with the design intent of the construction
         documents, review laboratory tests, prepare change orders, make
         periodic inspections, assemble written guarantees and maintenance
         manuals and secure the Certificate of Substantial Completion.

C.   Owner's Responsibilities

     1.  Designate and empower a representative who has the express authority to
         bind the Owner with respect to all matters requiring the Owner's
         approval or authorization, who will be reasonably available to render
         decisions promptly and furnish information expeditiously so as to avoid
         delay in the work.

     2.  Inform KDA of any special requirements, contemplated changes in
         operations, new or expanded services, provide historical data and
         anticipated growth projections, identify preferences, if any, regarding
         architectural style, materials, colors and finish quality.

     3.  Furnish, at Owner's expense, a Certified Land Survey, Subsurface Soil
         Investigation and Analysis, and such other tests as may be required by
         law or for the construction of the project. The type survey and type
         soil test will, however, be recommended with proposals solicited and
         reviewed by KDA. KDA shall recommend a preferred vendor to the Owner
         based on KDA's analysis of the proposals, and include the projected
         costs for this work in the estimate of construction.

     4.  Be responsible for the accuracy of above mentioned data and information
         furnished.

     5.  Select and furnish legal services required for the normal progress of
         the work and same shall be paid by the Owner.

     6.  Establish a Construction Account at an institution of Owner's choice at
         the start of construction work and deposit funds necessary to cover
         properly supported costs, as incurred.

     7.  Maintain complete liability insurance against loss or damage by theft,
         vandalism, malicious mischief, fire, windstorm or other casualty for
         all work incorporated in the building and project, and all materials on
         or about the premises or in storage, and all interior work items
         incorporated in the building or in off-site storage. The type of
         coverage as described is generally referred to as "builders risk" or
         "all risk" insurance. Owner should consider obtaining Owner's
         protective liability insurance for the project to provide coverage that
         may be outside the scope of coverage identified above.

     8.  Promptly notify KDA in writing of any observed defects in construction.

     9.  Promptly make all payments required by this Agreement.

                                                                               4

<PAGE>

IV:  TERMS USED IN THIS AGREEMENT

The following terms are used in this agreement and are further explained as
follows:

A.   Budget Estimate of Construction Cost: KDA shall prepare an initial Estimate
     of Construction Cost based upon the scope of the work as identified in the
     initial or preliminary stage, Schematic Design (Phase I). Such an estimate
     is expected to be accurate only to the extent of known conditions and
     details identified at the time.

B.   Estimate of Construction Cost: At the Design Development Phase (Phase II),
     substantially greater information has been developed by the architect,
     consulting engineers, the interior designer and construction manager.
     Certain value engineering has been performed as well, to determine the most
     acceptable and cost effective construction methods to be used and their
     relative cost. The Estimate of Construction Cost, as identified in Phase
     II, shall become a Guaranteed Estimate and shall be presented to the Owner
     in the form of a Confirmation of Estimate of Construction Cost (Exhibit I,
     attached). The Estimate of Construction Cost and the Guaranteed Cost,
     agreed to by the parties, shall only be adjusted by change order, signed by
     both parties or by adjustments to allowance items (see Section IV.D.).

C.   Guaranteed Cost: The Estimate of Construction Cost (See Section IV.B.
     above) shall become a guaranteed cost according to the incentive for
     savings or overage. The Guaranteed Cost shall be formally issued when both
     parties sign the Confirmation of Estimate of Construction Cost and KDA is
     directed to commence with Phase III, Construction Documents and
     Construction Management. The incentive, outlined in the Guaranteed Cost
     provision (Section II.D.) is determined by comparing the Final Construction
     Cost against the Estimate of Construction Cost established in Phase II and
     contained in the Confirmation of Estimate of Construction Cost (Exhibit I).

D.   Allowances: Construction cost allowances are items of work that cannot be
     accurately specified or selected at the time that design documents are
     prepared due to complete information not being available. A reasonable
     budget is established for each of these allowance items. The final cost of
     these allowance items adjusts the Estimate of Construction Cost (See
     Section IV.B.) in full (either up or down) depending on whether the final
     cost is greater than or lesser than the budget established for the
     allowance item in the Estimate of Construction Cost and identified on the
     Confirmation of Estimate of Construction Cost (Exhibit I).

E.   Interior Work: Interior work is herein defined, as compared to general
     work, as the interior finishes of the building or facility, including floor
     covering, wallcovering, painting, moveable furniture, art work,
     accessories, custom cabinet work, interior signage, special lighting, and
     window treatments. Interior work is stated as a separate line item in all
     Estimates of Cost prepared by KDA and shall be provided to the project at a
     lump sum price, agreed to in advance by the parties, and shall be secured
     from KDA's own sources. KDA's term "interior work" includes specifying,
     procuring, receiving, delivering, on site supervision, and installing such
     goods, to include their cost, shipping, handling, tax and labor to install
     under one contract and KDA guarantees the goods, materials and workmanship
     of the "interior work."

F.   Insurance: KDA is responsible for and provides Worker's Compensation and
     General Liability Insurance and shall be reimbursed. The Owner provides
     Builder's Risk Insurance and should obtain Owner's Protective Liability
     Insurance. All insurance provided by KDA is considered a cost of the work
     and is paid for through the job. Insurance provided by the Owner is not
     considered a cost of the work.

G.   Final Billing: After the completion of the job and the receipt of payment
     of all outstanding bills, KDA shall prepare a final accounting for the
     project called its "final billing" and any credits or adjustments due KDA
     or the Owner will be made at this time. The final actual cost of
     construction shall be the actual amount paid for all cost of construction
     (II.C.1. & C.2.).

H.   Final construction cost: the final actual cost of construction is the
     actual amount paid for all costs of construction (II.C.1.& C.2)

                                                                               5

<PAGE>

V:   KDA'S FEES AND FURTHER CONTRACT PROVISIONS

A.   KDA's Design Fee:

     The fee for professional services rendered by KDA in the design of the
     Owner's project are as follows and such fees are not included in any
     Estimates of Construction Costs. For all consulting, architectural,
     engineering, Interior Design Review and Coordination, and Estimating
     services, a 9% fee, based on Final Construction Cost shall be due. The fee
     shall be paid as follows:

     1.  Upon completion of the Schematic Design phase (Phase I), 15% of the
         design fee, computed on the Budget Estimate of Construction Cost (Phase
         I. D.) shall be due.

     2.  Upon completion of the Design Development phase (Phase II), 50% of the
         design fee, computed on the Estimate of Construction Cost (Phase II.
         C.), less previous payments, shall be due. If the Design Development
         phase extends beyond 30 days, KDA shall be paid this fee monthly in
         proportion to the Design Development phase services performed.

     3.  Upon completion of the Construction Documents phase (Phase III), 95% of
         the design fee, computed on the Estimate of Construction Cost developed
         by KDA in Phase II, less previous payments, shall be due. If the
         Construction Documents phase extends beyond 30 days, KDA shall be paid
         this fee monthly in proportion to the Construction Documents phase
         services performed.

     4.  Upon completion of construction, 100% of the design fee, computed on
         the Final Construction Cost of the project, less previous payments,
         shall be due. KDA shall be paid this fee monthly in equal payments,
         based on the estimated construction time, so that upon completion of
         construction, 100% of the design fee will have been paid.

B.   Construction Management Overhead and Fee

     1.  For Construction Management services furnished to the project, KDA
         shall be paid 10% for Construction Management overhead expenses
         included within the Estimate of Construction Cost for the project
         (II.C.1 & C.2.). KDA shall be paid a 5% fee included within the
         Estimate of Construction Cost for the project. KDA's Construction
         Management overhead expense and fee will be billed and paid as a
         percentage of the agreed Confirmation of Estimate of Construction Cost
         (Exhibit I), which overhead expense and fee will later be adjusted
         based on actual Final Construction Cost.

         Timing of Payments

         a.)  KDA's Overhead expense and fee payments shall be made as follows:
              Twenty-five percent (25%) due thirty (30) days after approval of
              Construction Documents, or start of construction, whichever occurs
              first, and in equal monthly payments thereafter based on estimated
              construction time.

         b.)  Interior work payments set out in the Confirmation of Estimate of
              Construction Cost shall be paid as follows: Twenty-five percent
              (25%) due thirty (30) days after approval of Construction
              Documents, or start of construction, whichever comes first, and
              monthly thereafter in equal payments based on estimated
              construction time.

     2.  In the event the Owner adds work which increases scope and the cost of
         the Project, the Estimate of Construction Cost (IV.B.) will be
         increased by the total cost of the change plus the overhead expense and
         fee described in Section V.B.1.

     3.  In the event a deductive change order is agreed to, the Estimate of
         Construction Cost will be decreased by the total of the estimated cost
         of the deleted work, plus KDA's fee on the estimated cost of the
         deducted work.

     4.  In the event the actual Final Construction Cost is less than the
         Estimate of Construction Cost (IV.B.), the overhead expense and fee
         shall be adjusted to reflect the actual final Construction Cost.

                                                                               6

<PAGE>

C.   Additional Services

     Owner may request the following Additional Services which shall be paid for
     by the Owner; however, prior to the Additional Services being rendered, KDA
     and the Owner shall reach a mutual agreement as to the cost of the
     additional service. These costs will be billed separately and are not a
     part of the guaranteed maximum cost nor are these items part of any
     estimates and are to be paid separately by the Owner:

     1.  Making alternative site evaluation studies of prospective sites.

     2.  Preparing documents for alternate bids for tenant or rental layouts.

     3.  Revising documents previously approved by Owner.

     4.  Preparing documents for change orders requiring extensive modifications
         of the work.

     5.  Obtaining any necessary or applicable permits requiring extensive or
         unusual effort shall entitle KDA to payment for additional services at
         a mutually agreed price. This work, if required, is not reflected in
         KDA's cost estimates or basic fees.

     6.  Cost of models or additional renderings requested by Owner.

D.   Reimbursable Expenses

     The following costs, expenses, and activities may become necessary during
     the course of the engagement. KDA shall provide an estimate of such cost to
     the Owner in advance of incurring any such cost or expense and shall gain
     Owner's approval prior to proceeding. These costs will be billed separately
     and are not part of the guaranteed maximum cost nor are these items part of
     any estimates. They are to be paid separately by the Owner.

     1.  Special Engineering Consultant Fees for other than normal structural,
         mechanical, and electrical engineering services.

     2.  All sales, use, privilege, value added, or similar taxes or levies and
         premiums for performance and payment bonds if required by Owner. (See
         G. below).

E.   Expenses Incurred Prior to Construction

     Costs incurred prior to the start of construction will be billed by KDA and
     paid for by the owner as incurred. The costs may include: permits by local
     building officials; reasonable travel expenses; boundary and topographical
     survey; civil engineering; environmental surveys and subsurface soils
     survey. These expenses will be included within the Estimate of Construction
     Cost.

F.   Indemnity

     KDA shall indemnify, protect and hold Owner, its Directors, Officers and
     employees harmless from any and all damages to persons or property arising
     out of the negligence of KDA, resulting from or incurred in connection with
     the execution of the work described in this Agreement.

G.   Taxes

     Neither the Fees for KDA services, nor the Estimate of Construction Cost
     include any sales, value added, use, excise, school, privilege, or any
     similar taxes or levies. Owner agrees to reimburse KDA for such taxes, if
     any, for which either becomes legally responsible as a direct result of
     fulfilling this Agreement. It should further be noted that premiums for
     performance and payment bonds are not included in the Estimate of
     Construction Cost but same shall be paid by the Owner, if required.

                                                                               7

<PAGE>

H.   Ownership of Documents

     At any time prior to the parties agreeing on the Estimate of Construction
     Cost (in Phase II of the Agreement) the Owner may elect not to proceed
     further under this Agreement. Such election must be given in writing. In
     the event the Owner elects not to proceed (before an agreement is reached
     based on the Confirmation of Estimate of Construction Cost), all documents,
     including design documents having been prepared by KDA and the Architect,
     shall be considered instruments of service and shall remain exclusively the
     property of KDA and the Architect. Without the written consent of KDA and
     the Architect, said documents shall not be used in any manner, in whole or
     in part, on this project or any other project. Moreover, in the event after
     the completion of Phase I or Phase II (Schematic Design or Design
     Development) the Owner decides not to go forward with the project, the
     Owner is nevertheless obligated to pay for the services rendered in
     accordance with the compensation paragraph (V.A.1. and 2.). Until the
     parties have mutually agreed upon the Estimate of Construction Cost, either
     party shall have the right to unilaterally terminate this Agreement.

I.   Execution of Agreement by Owner

     The undersigned officer of the Owner represents that he or she is
     authorized to enter into this Contract on behalf of the Owner.

J.   Acceptance

     This Agreement is subject to final acceptance by the President or Secretary
     of KDA at the offices of KDA in Marietta, Georgia, and the date of such
     acceptance shall be the date of this Agreement.

K.   Exclusivity

     The Owner hereby acknowledges that KDA is committed to investing material,
     technical and personnel resources in developing a design solution and cost
     estimate for the Owner's project. In consideration, the Owner agrees to
     work exclusively with KDA during the development of the project, or until
     such time as the Owner terminates in writing the services of KDA. Should
     the design solution and cost estimate submitted in the development phases
     be approved, the Owner intends to authorize KDA to proceed into Phase III,
     Construction Documents and Construction Management.

L.   Applicable Law/Dispute Resolution

     The law of the State where the project is located shall apply to all
     interpretation of this Agreement. The parties do further agree that in the
     event they have a dispute involving items of work or issues of $30,000 or
     less, the parties do mutually agree to seek to resolve their differences by
     pursuing mediation through the use of a professional mediator mutually
     agreed upon by the parties. If the matter is not resolved after the
     conclusion of the mediation, any single or cumulative disputes remaining
     between the parties that have a value of $30,000 or less shall be resolved
     by arbitration under the rules and auspices of the American Arbitration
     Association, and the ruling by the Arbitration Association shall be binding
     on both parties. That American Arbitration Association office located
     closest to the project shall be utilized for such an arbitration. The
     parties will split all mediation and arbitration filing fees and costs. For
     claims in excess of $30,000 the parties may seek a remedy in any
     appropriate court whose jurisdiction covers the site of the project.

M.   Confidentiality

     It is understood that certain confidential and proprietary information
     regarding the Owner's business shall be gained by KDA while working for the
     Owner in the preparation of Phase I, as well as through the design and
     construction of facilities. KDA agrees to exercise reasonable care in
     maintaining the confidentiality of all information gained through this
     relationship.

N.   Scope of Agreement

     This Agreement represents the entire understanding between Owner and KDA
     and supersedes all prior Agreements, understandings and negotiations. This
     Agreement may be modified only in writing. Owner and KDA understand, agree,
     and acknowledge that this Agreement has been freely negotiated by the
     parties, and that in any controversy, dispute, arbitration, or contest over
     the meaning, interpretation, validity or enforceability of this Agreement;
     or any of its terms and conditions, there shall be no interference,
     presumption or conclusion drawn whatsoever against either party by virtue
     of the party having drafted this Agreement or any portion thereof.

                                                                               8

<PAGE>

     The following Addendum is a part of this Agreement:

     ADDENDUM NO. 1

     This Agreement shall not be assigned by either of the parties without the
     written consent of the other party and shall be binding on and inure to the
     benefit of the successors, executors, administrators and heirs of the
     parties.

IN WITNESS WHEREOF, the parties hereto have set their hands and seals to this
Agreement on the dates shown below, in triplicate.

APPROVED

FUTURUS FINANCIAL SERVICES, INC.
ROSWELL, GEORGIA

BY: /s/ William M. Butler
   --------------------------------
William M. Butler, President & CEO

DATE: September 28, 1999
     ------------------------------
Corporate Seal:

         Accepted at Marietta, Georgia this 2nd day of October, 1999.

KDA FINANCIAL, INC.
MARIETTA, GEORGIA

BY: /s/ Dennis W. Hastings
   --------------------------
Dennis W. Hastings, President

DATE: October 2, 1999
     ------------------------
Corporate Seal:

Issued:  9/15/99 Reissued 9/17/99

                                                                               9

<PAGE>

                                 CONFIRMATION OF
                            ESTIMATE OF CONSTRUCTION

In accordance with the requirements of the PROJECT DEVELOPMENT AND CONSTRUCTION
AGREEMENT between________________________________ and KDA Financial, Inc., dated
__________, the ESTIMATE OF CONSTRUCTION COST IS.

ALLOWANCES:
The estimated cost shown above includes the following items on an allowance
basis:

<TABLE>
<CAPTION>

--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
     ITEM            ALLOWANCE              ITEM               ALLOWANCE
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
<S>                  <C>                    <C>                <C>
--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------
--------------------------------------------------------------------------------

</TABLE>

INTERIOR WORK:
Construction Manager shall furnish and install the Interior Work for the sum of
$______________________, which is included in the Estimate of Construction set
forth above.

TIME OF COMPLETION:
It is intended that the project will be substantially completed, ready for
occupancy by Owner _______________after receipt of Permit, subject to strikes,
lock-outs, Acts of God and other causes not the sole and direct fault of the
Construction Manager. For this purpose, the Construction Manager shall act
promptly to establish a Work Program under which the project will proceed with
all possible speed, consistent with reasonable cost, good workmanship and
safety.

WORK TO BE DONE:

The work to be done is that defined by the Plans and Specifications dated
_____________________________approved by Owner on _________________________.
These Plans and Scope of Work, as approved, are incorporated in this Agreement
by reference.

IN WITNESS WHEREOF, the parties hereto have executed this Agreement, in
duplicate, on the dates shown below.

Approved and Accepted this _______ day of _________________________, 1999.

KDA FINANCIAL, INC.                                       OWNER

BY:                                    BY:
   -------------------------------        -------------------------------

TITLE:                                 TITLE:
      ----------------------------           ----------------------------

                                                                              10

<PAGE>

                                 ADDENDUM NO. 1

This Addendum will modify the Project Development and Construction Agreement
dated

September 28, 1999 (the "Agreement") between FUTURUS FINANCIAL SERVICES, INC.
("Owner") and KDA FINANCIAL, INC., Marietta, Georgia ("KDA").

I.       Section III.B.15. Change the first sentence to read, "KDA will perform
         the normal filing of documents for approval of authorities governing
         construction, upon receipt of any required data from Owner."

II.      Section II.B. Add a Paragraph 18 that reads, "The Architect will
         conduct monthly field visits. The Architect will forward to the Owner a
         copy of the field visit report after each visit."

III.     Section V.C. Add the following sentences that read, "KDA will develop,
         with the Owner's assistance, a pro-forma of identifiable project
         related costs including operating costs generally included in rental
         rate (taxes, janitorial, etc.) not covered within the KDA scope of work
         to assist the Owner in identifying the total rental cost of the
         facility."

IV.      Delete Section V.H. Add the following Paragraph titled "Termination and
         Assignment": "At any time prior to the parties agreeing on the Estimate
         of Construction Cost (in Phase II of the Agreement) the Owner may elect
         not to proceed further under this agreement. Such an election must be
         given in writing. If requested by the Owner, KDA agrees to assign its
         contractual agreement with the Architect to the Owner to provide
         Architectural and Engineering Services for the project. This assignment
         would be made on the condition that the Owner shall:

         A.   Pay immediately any earned fees due the Architect and KDA not paid
              to date by the Owner.

         B.   Retain the Architect and/or KDA throughout the completion of
              construction phase services, or agree to indemnify the Architect
              and/or KDA against misuse of, or changes to, the Architect and/or
              KDA documents.

         C.   Acknowledge the Architect and KDA's plans and specifications are
              instruments of service.

                                                                              11

<PAGE>

         D.   Not assign the rights to the Architect and KDA's plans and
              specifications to anyone without the Architect and KDA's written
              consent.

         E.   Accept the terms and conditions of KDA's agreement with the
              Architect.

FUTURUS FINANCIAL SERVICES, INC., OWNER     KDA FINANCIAL, INC.

BY:  /s/  William M. Butler                 BY: /s/ Dennis W. Hastings
   -------------------------------             --------------------------
William M. Butler, President & CEO          Dennis W. Hastings, President

DATE: September 28, 1999                    DATE: October 2, 1999
      ----------------------------               ------------------------

                                                                              12

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