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                                                                   EXHIBIT 10.16
                               TIGERA GROUP, INC.
                                730 Fifth Avenue
                                   9th Floor
                            New York, New York 10019


                                            November 15, 1995


[ADDRESS OF CONSULTANT]


Dear [CONSULTANT]:

                 This letter sets forth our mutual understanding concerning the
arrangements, terms and conditions pursuant to which you will be retained,
commencing November 15, 1995 (the "Effective Date"), to serve as a consultant
to Tigera Group, Inc. (the "Company" or "Tigera") for a period (the "Term") of
three (3) years commencing on the Effective Date.

                 1.        During the Term you shall be available for
consultation at reasonable times concerning acquisition opportunities for the
Company and other matters relating to the affairs of the Company.  To the
extent reasonably requested by the Company, you will consult with Company
officers and the board of Directors of the Company in respect of such matters
and in respect of other matters which the Company may, from time to time, refer
to you.  The services and advice described in this section shall be rendered by
you at such time and place and in such manner (whether by conference,
telephone, letter or otherwise) as you may reasonably determine.





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                 2.        As sole compensation for all services to be
performed by you during the Term and, in lieu of all other compensation, the
Company shall grant to you options to purchase 200,000 shares of the Company's
Common Stock, par value $.01 per share, at a price of $0.885 per share, subject
to the terms and conditions contained in one or more option agreements, dated
as of the date hereof, between you and the Company.  You shall also be entitled
to reimbursement for all documented reasonable expenses incurred by you in
performance of your duties hereunder, provided that such expenses are approved
in writing in advance by the Company.

                 3.        This Agreement may be terminated by the Company, at 
any time, upon 30 days advance written notice to you.  This Agreement may be
terminated by you, at any time after the first anniversary of the date hereof,
upon 30 days advance written notice to the Company.

                 4.        Your relationship to the Company shall be that of
independent contractor and you shall not be an employee or agent of the Company
and you shall not bind or purport to bind the Company in any way.

                 5.        Except in the course of the performance of your
duties hereunder, you hereby agree that you shall not disclose at





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any time any trade secrets, know-how, or other proprietary information.

                 6.        This Agreement shall be interpreted in accordance
with the laws of the state of New York applicable to contracts made and to be
performed entirely within that state.

                 7.        This letter contains the sole agreement of the
parties pertaining in any way to the subject matter hereto.  It cannot be
altered or amended except by a writing duly executed by the party against whom
such alteration or amendment is sought to be enforced.

                 If this letter correctly sets forth your understanding of the
terms of your consulting arrangement with the Company please sign below in the
place indicated and return it at your earliest convenience.


                                             Very truly yours,

                                             TIGERA GROUP, INC.


                                             By:                           
                                                ---------------------------
                                                Name:
                                                Title:

ACCEPTED AND AGREED TO:

                       
-----------------------
[CONSULTANT]





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