TERM REAL ESTATE PROMISSORY NOTE

                  TERM REAL ESTATE PROMISSORY NOTE

$984,000.00                                         December 21, 2004

FOR VALUE RECEIVED, the undersigned borrower (hereinafter referred to

as the "Borrower"), promises to pay to the order of GOLD BANK (herein,

together with its successors and assigns who become holders of this

Note, referred to as the "Lender") at 800 West 47th Street, Kansas

City, Missouri 64112, or at such other place as may be designated in

writing by Lender from time to time, the maximum principal sum of up

to Nine Hundred Eighty-Four Thousand and No/100 Dollars ($984,000.00)

provided the principal sum shall not exceed the lesser of 80% of the

completed appraisal cost or actual purchase price cost and cost of

planned addition of the Mortgaged Property as defined in the Real

Estate Mortgage defined below, payable as to interest only through

July 31, 2005, and payable thereafter as to principal plus interest in

fifty-four (54) equal calendar monthly installments of $4,100 based on

a two hundred forty (240) month amortization schedule with the entire

remaining principal plus all accrued interest due and payable on

December 31, 2009 (the "Maturity Date").   Interest on the unpaid

principal balance of this Note will be payable monthly in arrears.

Each monthly payment of interest only or principal and interest shall

be paid on the first (1st) day of each month beginning January 1, 2005

and ending December 1, 2009; provided, however, that the entire unpaid

principal balance of this Note plus accrued and unpaid interest

thereon shall be due and payable prior to the Maturity Date upon the

happening of certain events as set forth herein, in the Real Estate

Mortgage of even date herewith between Borrower and Lender (as amended

from time to time, the "Real Estate Mortgage") and in the Loan

Documents as defined below.   All interest payments made hereunder

shall be calculated based on the five year United States Treasury Rate

as of the date first written above plus 275 basis points ("Interest

Rate").   All principal and interest payments due hereunder are to be

made together with any additional payments provided for in the Real

Estate Mortgage and in that certain Term Equipment Promissory Note

("Equipment Note") and Security Agreement executed by Borrower for the

benefit of Lender of even date herewith ("Security Agreement")

(collectively, this Note, the Equipment Note, the Mortgage, the

Security Agreement and any other documents executed in connection

therewith shall be referred to herein as the "Loan Documents").  

This Note is secured by the collateral as set forth in the Real Estate

Mortgage and is cross-collateralized against the equipment and other

collateral as set forth in the Security Agreement, the other Loan

Documents and any other collateral now or hereafter given by the

Borrower to Lender to secure the Indebtedness ("Collateral").   In

addition, this Note is cross-defaulted and co-terminus with any and

all other loans now or hereafter existing by and between Debtor,

Debtor's subsidiaries or affiliates and Secured Party.   The

cancellation or surrender of this Note, upon payment or otherwise,

shall not affect any right Lender has to retain the Collateral, the

Mortgage or any other collateral for any other Indebtedness of

Borrower to Lender.   All of the items described in such documents

constitute security for this Note, whether filed of record or

otherwise, and reference is made to the same for a further description

of the rights of Lender thereunder.  

Borrower shall have the right to prepay this Note in whole or in part

at any time; provided, however, if a third party (i.e., not Borrower

or a subsidiary thereof) prepays this Note in whole or in part prior

to the Maturity Date, Borrower shall pay Lender (in addition to the

outstanding principal and interest payments due Lender under the Loan

Documents) a prepayment penalty of 1% calculated on the outstanding

principal and interest balance of this Promissory Note and the

Equipment Note at the time the prepayment is made.   All prepayments

shall be credited first to amounts owing by Borrower to Lender other

than principal and interest, second to interest, and third to the

principal balance.

Upon the occurrence of any of the following events:

1.   Failure to pay when due any principal or interest or other amount

due on this Note or the Equipment Note or any costs, fees,

reimbursable expenses or other amounts payable by Borrower under any

of the Loan Documents that is not cured within any applicable cure

period in the Loan Documents; or

2.   If for any reason Borrower dissolves, terminates or otherwise

ceases to exist or is not extended beyond the term of this Note, the

Equipment Note or the Loan Documents; or

3.   The occurrence of any other Event of Default under this Note or

the Loan Documents which is not cured within any applicable cure

period (if any) contained in this Note or the Loan Documents;   then

Lender may, at Lender's option:   (i) have all principal, interest,

fees, charges, expenses and other costs outstanding or owing hereunder

bear interest at the Interest Rate plus two percent (2%) ("Default

Interest Rate") for so long as said Event of Default shall continue;

and (ii) declare all sums outstanding or owing hereunder, in the

Equipment Note and in the other Loan documents, including principal,

interest, fees, charges, expenses and other costs to be immediately

due and payable without presentment, demand or notice of any kind, all

of which are hereby expressly waived by Borrower.

To induce Lender to enter into the Loan Documents, and to advance to

Borrower as herein provided, Borrower represents and warrants and, so

long as any indebtedness and Obligations (as defined in the Mortgage

and