<PAGE>

                                                                   EXHIBIT 3.126


                                     BYLAWS

                          for the regulation, except as
                        otherwise provided by statute or
                        the Articles of Incorporation, of

                              INTELLICHOICE, INC.,

                            a California corporation

<PAGE>

                                TABLE OF CONTENTS

Section   Title                                                             Page
-------   -----                                                             ----
                          ARTICLE I. CORPORATE OFFICES

1.1       Principal Office                                                     1
1.2       Other Offices                                                        1

                       ARTICLE II. SHARES AND SHAREHOLDERS

2.1       Meetings of Shareholders                                             1
          (a) Place of Meetings                                                1
          (b) Annual Meetings                                                  1
          (c) Special Meetings                                                 1
          (d) Notice of Meetings                                               1
          (e) Adjourned Meeting and Notice Thereof                             2
          (f) Waiver of Notice                                                 3
          (g) Quorum                                                           3
2.2       Action Without a Meeting                                             3
2.3       Voting of Shares                                                     4
          (a) In General                                                       4
          (b) Cumulative Voting                                                4
          (c) Election by Ballot                                               4
2.4       Proxies                                                              4
2.5       Inspectors of Election                                               5
          (a) Appointment                                                      5
          (b) Duties                                                           5
2.6       Record Date                                                          5
2.7       Share Certificates                                                   6
          (a) In General                                                       6
          (b) Two or More Classes or Series                                    6
          (c) Special Restrictions                                             7
2.8       Lost, Stolen or Destroyed Certificates                               7

                             ARTICLE III. DIRECTORS

3.1       Powers                                                               7
3.2       Number of Directors                                                  7
3.3       Election and Term of Office                                          8
3.4       Removal                                                              8
          (a) Removal for Cause                                                8
          (b) Removal without Cause                                            8
3.5       Vacancies                                                            8
3.6       Resignation                                                          8
3.7       Meetings of the Board of Directors                                   8
          (a) Regular Meetings                                                 8
          (b) Annual Meeting                                                   9


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Section   Title                                                             Page
-------   -----                                                             ----
          (c) Special Meetings; Notices; Waiver of Notice                      9
          (d) Notice of Adjournment                                            9
          (e) Place of Meeting                                                 9
          (f) Presence by Conference Telephone Call                            9
          (g) Quorum                                                           9
3.8       Action Without Meeting                                              10
3.9       Committees of the Board                                             10
          (a) Membership and Authority                                        10
          (b) Meetings and Action                                             10
3.10      Fees and Compensation of Directors                                  10
3.11      Loans and Guaranties to Directors, Officers and Others              11

                              ARTICLE IV. OFFICERS

4.1       Officers                                                            12
4.2       Elections                                                           12
4.3       Other Officers                                                      12
4.4       Removal                                                             12
4.5       Resignation                                                         12
4.6       Vacancies                                                           12
4.7       Chairman of the Board                                               12
4.8       President                                                           13
4.9       Vice Presidents                                                     13
4.10      Secretary                                                           13
4.11      Chief Financial Officer                                             13

                         ARTICLE V. RECORDS AND REPORTS

5.1       Books, Records and Reports                                          14
          (a) Books of Account and Reports                                    14
          (b) Annual Report                                                   14
          (c) Shareholders' Requests for Financial Reports                    14
5.2       Rights of Inspection                                                15
          (a) By Shareholders                                                 15
          (b) By Directors                                                    16

                            ARTICLE VI. MISCELLANEOUS

6.1       Checks, Drafts, Etc.                                                16
6.2       Authority to Execute Contracts                                      16
6.3       Representation of Shares of Other Corporations                      16
6.4       Replace w/Article 8 [ILLEGIBLE]                                     16
6.5       Employee Stock Purchase Plans                                       18
6.6       Construction and Definitions                                        18

                             ARTICLE VII. AMENDMENTS

7.1       Power of Shareholders                                               19
7.2       Power of Directors                                                  19

                          ARTICLE VIII. INDEMNIFICATION


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                                     BYLAWS

                for the regulation, except as otherwise provided
                   by statute or the Articles of Incorporation
                                       of

                               INTELLICHOICE, INC.


                         Article I. General Provisions.

Section 1.1. Principal Office. The Board of Directors shall fix the location of
the principal executive office of the corporation at any place within or outside
the State of California. If the principal executive office is located outside of
such state and the corporation has one or more business offices in such state,
then the Board of Directors shall fix and designate a principal business office
in the State of California.

Section 1.2. Other Offices. The Board of Directors may at any time establish
branch or subordinate offices at any place or places where the corporation is
qualified to do business.

                      Article II. Shares and Shareholders.

Section 2.1. Meetings of Shareholders.

(a) Place of Meeting. Meetings of shareholders shall be held at any place within
or without the State of California designated by the Board of Directors. In the
absence of any such designation, shareholders' meetings shall be held at the
principal executive office of the corporation.

(b) Annual Meeting. An annual meeting of the shareholders of the corporation
shall be held on Second Tuesday of April each year at 2:00 p.m. or at such other
date and time as may be designated by the Board of Directors; provided, however,
that should said day fall upon a legal holiday, the annual meeting of
shareholders shall be held at the same time on the next day thereafter ensuing
which is a full business day. At each annual meeting directors shall be elected,
and any other proper business may be transacted.

(c) Special Meeting. Special meetings of the shareholders may be called by the
Board of Directors, the chairman of the board or the president, or by the
holders of shares entitled to cast not less than 10% of the votes at the
meeting. Upon request in writing to the chairman of the board, the president,
any vice president or the secretary by any person (other than the Board)
entitled to call a special meeting of shareholders, such officer forthwith shall
cause notice to be given to the shareholders entitled to vote that a meeting
will be held at a time requested by the person or persons calling the meeting,
which time shall be not less than 35 nor more than 60 days after the receipt of
the request. If the notice is not given within 20 days after receipt of the
request, the persons entitled to call the meeting may give the notice.

(d) Notice of Meeting. Notice of any shareholders' meeting shall be given not
less than 10 (or, if sent by third-class mail, 30) nor more than 60 days before
the date of the


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meeting to each shareholder entitled to vote at such meeting. Such notice shall
state the place, date and hour of the meeting and (i), in the case of a special
meeting, the general nature of the business to be transacted, and no other
business may be transacted, or (ii), in the case of an annual meeting, those
matters which the Board, at the time of the giving of the notice, intends to
present for action by the shareholders. The notice of any meeting at which
directors are to be elected shall include the names of nominees intended at the
time of the notice to be presented by the Board for election.

      If any action within the scope of Section 310 (entitled "Transactions
Between Corporations and Directors or Corporations Having Interrelated
Directors"), 902 (entitled "Amendments After Issuance of Shares"), 1201
(entitled "Shareholder Approval -- Abandonment -- Attack on Validity of
Reorganization"), 1900 (entitled "Authorization for Voluntary Dissolution") or
2007 (entitled "Plan of Distribution -- Demand for Cash Payment") of the
California General Corporation Law is proposed to be taken at any meeting, the
notice shall also state the general nature of such action.

      Notice of a shareholders' meeting or any report shall be given to each
shareholder either personally or by first-class mail, or, in the case of a
corporation with outstanding shares held of record by 500 or more persons on the
record date for the shareholders' meeting, notice may be sent by third-class
mail, or other means of written communication, addressed to such shareholder at
the address of such shareholder appearing on the books of the corporation or
given by such shareholder to the corporation for the purpose of notice. If no
such address appears or is given, notice shall and will be deemed to be given at
the place where the principal executive office of the corporation is located or
by publication at least once in a newspaper of general circulation in the county
in which the principal executive office is located. The notice shall be deemed
to have been given at the time when delivered personally or deposited in the
mail or sent by other means of written communication. An affidavit of mailing of
any notice executed by the secretary, assistant secretary or any transfer agent
shall be prima facie evidence of the giving of such notice or report.

      If any notice or report addressed to the shareholder at the address of
such shareholder appearing on the books of the corporation is returned to the
corporation by the United States Postal Service marked to indicate that the
United States Postal Service is unable to deliver the notice or report to the
shareholder at such address, all future notices or reports shall be deemed to
have been duly given without further mailing if the same shall be available for
the shareholder upon written demand of the shareholder at the principal
executive office of the corporation for a period of one year from the date of
the giving of the notice or report to all other shareholders.

(e) Adjourned Meeting and Notice Thereof. Any annual or special meeting of
shareholders may be adjourned from time to time by the vote of a majority of the
shares represented either in person or by proxy whether or not a quorum is
present. When a shareholders' meeting is adjourned to another time or place,
except as provided below, notice need not be given of the adjourned meeting if
the time and place thereof are announced at the meeting at which the adjournment
is taken. At the adjourned meeting the corporation may transact any business
which might have been transacted at the original meeting. No other business may
be transacted at the adjourned meeting other than as set forth in this
paragraph. If the adjournment is for more than 45 days or if after the
adjournment a new record date is fixed for the adjourned meeting, a notice of
the adjourned meeting shall be given to each shareholder of record entitled to
vote at the meeting.


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(f) Waiver of Notice. The transactions of any annual or special meeting of
shareholders, however called and noticed and wherever held, are as valid as
though had at a meeting duly held after regular call and notice, if a quorum is
present either in person or by proxy and if, either before or after the meeting,
each of the persons entitled to vote, not present in person or by proxy, signs a
written waiver of notice or a consent to the holding of the meeting or an
approval of the minutes thereof. Such waiver of notice, consent or approval need
not specify the nature of any action proposed to be taken or taken at the
meeting other than action within the scope of Section 310 (entitled
"Transactions Between Corporations and Directors or Corporations Having
Interrelated Directors"), 902 (entitled "Amendments After Issuance of Shares"),
1201 (entitled "Shareholder Approval -- Abandonment -- Attack on Validity of
Reorganization"), 1900 (entitled "Authorization for Voluntary Dissolution") or
2007 (entitled "Plan of Distribution -- Demand for Cash Payment") of the
California General Corporation Law, unless such action was unanimously approved
by the shareholders entitled to vote. All such waivers, consents and approvals
shall be filed with the corporate records or made a part of the minutes of the
meeting. Attendance of a person at a meeting also shall constitute a waiver of
notice of, and presence, at such meeting, except when the person objects, at the
beginning of the meeting, to the transaction of any business because the meeting
is not lawfully called or convened and except that attendance at a meeting is
not a waiver of any right to object to the consideration of matters required by
the General Corporation Law to be included in the notice but not so included, if
such objection is expressly made at the meeting.

(g) Quorum. The presence in person or by proxy of the persons entitled to vote a
majority of the shares entitled to vote at any meeting of shareholders shall
constitute a quorum for the transaction of business at such meeting. Except as
provided herein, the affirmative vote of a majority of the shares represented
and voting at a duly held meeting at which a quorum is present (which shares
voting affirmatively also constitute at least a majority of the required quorum)
shall be the act of the shareholders, unless the vote of a greater number or
voting by classes is required by law or the Articles of Incorporation of the
corporation.

      The shareholders present at a duly called or held meeting at which a
quorum is present may continue to transact business until adjournment
notwithstanding the withdrawal of enough shareholders to leave less than a
quorum, provided that any action taken (other than adjournment) must be approved
by at least a majority of the shares required to constitute a quorum. In the
absence of a quorum, any meeting of shareholders may be adjourned from time to
time by the vote of a majority of the shares represented either in person or by
proxy, but no other business may be transacted other than as set forth in this
paragraph.

Section 2.2. Action Without a Meeting. An action which may be taken at any
annual or special meeting of shareholders may be taken without a meeting and
without prior notice if a consent in writing, setting forth the action so taken,
shall be signed by the holders of outstanding shares having not less than the
minimum number of votes that would be necessary to authorize or take such action
at a meeting at which all shares entitled to vote thereon were present and
voted. Notwithstanding the foregoing and subject to Section 3.5 hereof,
directors may not be elected by written consent except by unanimous written
consent of all shares entitled to vote for the election of directors.

Unless the consents of all shareholders entitled to vote have been solicited in
writing, (a) notice of any shareholder approval pursuant to Section 310
(entitled


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"Transactions Between Corporations and Directors or Corporations Having
Interrelated Directors"), 317 (entitled "Indemnification of Corporate 'Agent'"),
1201 (entitled "Shareholder Approval -- Abandonment -- Attack on Validity of
Reorganization"), or 2007 (entitled "Plan of Distribution -- Demand for Cash
Payment") of the California General Corporation Law without a meeting by less
than unanimous written consent shall be given at least 10 days before the
consummation of the action authorized by such approval, and (b) prompt notice
shall be given of any other corporate action approved by the shareholders
without a meeting by less than unanimous written consent to those shareholders
entitled to vote who have not consented in writing. Such notice shall be given
in the same manner as notice of a shareholders' meeting.

Section 2.3. Voting of Shares.

(a) In General. Except as otherwise provided in the Articles of Incorporation
and subject to Subparagraph (b) hereof, each outstanding share, regardless of
class, shall be entitled to one vote on each matter submitted to a vote of
shareholders. Any holder of shares entitled to vote on any matter may vote part
of the shares in favor of the proposal and refrain from voting the remaining
shares or vote them against the proposal, other than elections to office, but,
if the shareholder fails to specify the number of shares such shareholder is
voting affirmatively, it will be conclusively presumed that the shareholder's
approving vote is with respect to all shares such shareholder is entitled to
vote. Except as provided herein, the affirmative vote of a majority of the
shares represented and voting at a duly held meeting at which a quorum is
present (which shares voting affirmatively also constitute at least a majority
of the required quorum) shall be the act of the shareholders, unless the vote of
a greater number or voting by classes is required by law or the Articles of
Incorporation of the corporation.

(b) Cumulative Voting. At any shareholders' meeting at which directors are to be
elected, no shareholder shall be entitled to cumulate votes (i.e., cast for any
candidate a number of votes greater than the number of votes which such the
shareholder normally is entitled to cast) unless such candidate or candidates'
names have been placed in nomination prior to the voting and a shareholder has
given notice at the meeting prior to the voting of the shareholder's intention
to cumulate the shareholder's votes. If any one shareholder has given such
notice, all shareholders entitled to vote may cumulate their votes for
candidates in nomination and give any candidate a number of votes equal to the
number of directors to be elected multiplied by the number of votes to which the
shareholder's shares are normally entitled, or distribute the shareholder's
votes on the same principle among as many candidates as the shareholder thinks
fit. In any election of directors, the candidates receiving the highest number
of affirmative votes up to the number of directors to be elected are elected.

(c) Election by Ballot. The shareholders' vote may be by voice vote or ballot;
provided, however, that any election for directors must be by ballot if a
shareholder demands election by ballot at the meeting and before the voting
begins.

Section 2.4. Proxies. Every person entitled to vote shares may authorize another
person or persons to act by proxy with respect to such shares by a written proxy
signed by such person and filed with the secretary of the corporation. A proxy
shall be deemed signed by such person if such person's name is placed on the
proxy (whether by manual signature, typewriting, telegraphic transmission or
otherwise) by such person or such person's attorney in fact. No proxy shall be
valid after the expiration of 11 months from the date of the proxy unless
otherwise provided in the proxy. A valid proxy which does not state


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that it is irrevocable shall continue in full force and effect until revoked by
the person executing it before the vote pursuant to that proxy or unless written
notice of the death or incapacity of the maker of that proxy is received by the
corporation before the vote pursuant to that proxy is counted. Such revocation
of a revocable proxy may be effected by a writing delivered to the corporation
stating that the proxy is revoked or by a subsequent proxy executed by the
person executing the prior proxy and presented to the meeting, or as to any
meeting by attendance at such meeting and voting in person by the person
executing the proxy. The revocability of a proxy that states on its face that it
is irrevocable shall be governed by the provisions of Sections 705(e) and 705(f)
of the California General Corporation Law.

Section 2.5. Inspectors of Election.

(a) Appointment. In advance of any meeting of shareholders the Board of
Directors may appoint inspector(s) of election to act at the meeting and any
adjournment thereof. If inspectors of election are not so appointed, or if any
persons so appointed fail to appear or refuse to act, the chairman of any
meeting of shareholders may, and on the request of any shareholder or a
shareholder's proxy shall, appoint inspectors of election (or persons to replace
those who so fail or refuse) at the meeting. The number of inspectors shall be
either one or three. If inspectors are to be appointed at a meeting on the
request of one or more shareholders or proxies, the majority of shares
represented in person or by proxy shall determine whether one or three
inspectors are to be appointed.

(b) Duties. The inspectors of election shall determine the number of shares
outstanding and the voting power of each, the shares represented at the meeting,
the existence of a quorum and the authenticity, validity and effect of proxies;
receive votes, ballots or consents; hear and determine all challenges and
questions in any way arising in connection with the right to vote; count and
tabulate all votes or consents; determine when the polls shall close; determine
the result; and do such acts as may be proper to conduct the election or vote
with fairness to all shareholders. The inspectors of election shall perform
their duties impartially, in good faith, to the best of their ability and as
expeditiously as is practical. If there are three inspectors of election, the
decision, act or certificate of a majority is effective in all respects as the
decision, act or certificate of all. Any report or certificate made by the
inspectors of election is prima facie evidence of the facts stated therein.

Section 2.6. Record Date. In order that the corporation may determine the
shareholders entitled to notice of any meeting or to vote thereat or entitled to
give consent to corporate action or entitled to receive payment of any dividend
or other distribution or allotment of any rights or entitled to exercise any
rights in respect of any other lawful action, the Board of Directors may fix, in
advance, a record date, which shall not be more than 60 nor less than 10 days
prior to the date of such meeting nor more than 60 days prior to any other
action. If no record date is fixed:

      (1) The record date for determining shareholders entitled to notice of or
to vote at a meeting of shareholders shall be at the close of business on the
business day next preceding the day on which notice is given or, if notice is
waived, at the close of business on the business day next preceding the day on
which the meeting is held.

      (2) The record date for determining shareholders entitled to give consent
to corporate action in writing without a meeting, when no prior action by the
Board of Directors has been taken, shall be the day on which the first written
consent is given.


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      (3) The record date for determining shareholders for any other purpose
shall be at the close of business on the day on which the Board of Directors
adopts the resolution relating thereto, or the 60th day prior to the date of
such other action, whichever is later.

A determination of shareholders of record entitled to notice of or to vote at a
meeting of shareholders shall apply to any adjournment of the meeting unless the
Board of Directors fixes a new record date for the adjourned meeting, but the
Board of Directors shall fix a new record date if the meeting is adjourned for
more than 45 days from the date set for the original meeting.

Shareholders at the close of business on the record date are entitled to notice
and to vote or to receive the dividend, distribution or allotment of rights or
to exercise the rights, as the case may be, notwithstanding any transfer of any
shares on the books of the corporation after the record date, except as
otherwise provided in the Articles of Incorporation or by agreement or in the
California General Corporation Law.

Section 2.7. Share Certificates.

(a) In General. The corporation shall issue a certificate or certificates
representing shares of its capital stock. A certificate or certificates for
shares of the corporation shall be issued to each shareholder when any of such
shares are fully paid. The Board of Directors may authorize the issuance of
certificates for shares partly paid provided that these certificates shall state
the total amount of the consideration to be paid for them and the amount
actually paid. Each certificate so issued shall be signed in the name of the
corporation by the chairman or vice chairman of the Board of Directors or the
president or a vice president and by the chief financial officer or the
treasurer or an assistant treasurer or the secretary or an assistant secretary,
shall state the name of the record owner thereof and shall certify the number of
shares and the class or series of shares represented thereby. Any or all of the
signatures on the certificate may be facsimile. In case any officer, transfer
agent or registrar who has signed or whose facsimile signature has been placed
upon a certificate has ceased to be such officer, transfer agent or registrar
before such certificate is issued, it may be issued by the corporation with the
same effect as if such person were an officer, transfer agent or registrar at
the date of issue.

(b) Two or More Classes or Series. If the shares of the corporation are
classified or if any class of shares has two or more series, there shall appear
on the certificate one of the following:

      (1) A statement of the rights, preferences, privileges and restrictions
granted to or imposed upon each class or series of shares authorized to be
issued and upon the holders thereof;

      (2) A summary of such rights, preferences, privileges and restrictions
with reference to the provisions of the Articles of Incorporation and any
certificates of determination establishing same; or

      (3) A statement setting forth the office or agency of the corporation from
which shareholders may obtain, upon request and without charge, a copy of the
statement mentioned in Subparagraph (1) above.


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(c) Special Restrictions. There shall also appear on the certificate (unless
stated or summarized under Subparagraph (1) or (2) of Subparagraph (b) above)
the statements required by all of the following clauses to the extent
applicable:

      (1) The fact that the shares are subject to restrictions upon transfer;

      (2) If the shares are assessable, a statement that they are assessable;

      (3) If the shares are not fully paid, a statement of the total
consideration to be paid therefor and the amount paid thereon;

      (4) The fact that the shares are subject to a voting agreement or an
irrevocable proxy or restrictions upon voting rights contractually imposed by
the corporation;

      (5) The fact that the shares are redeemable; and

      (6) The fact that the shares are convertible and the period for
conversion.

Section 2.8. Lost, Stolen or Destroyed Certificates. Where a certificate has
been lost, destroyed or wrongfully taken, the corporation may issue a new
certificate in place of the original if the owner: (i) so requests before the
corporation has notice that the certificate has been acquired by a bona fide
purchaser; and (ii) files with the corporation, if so requested by the Board of
Directors, a bond (or other adequate security) sufficient to indemnify it
against any claim that may be made against it (including any expense or
liability) on account of loss, theft or destruction of any such certificate or
the issuance of such new certificate. Except as above provided, no new
certificate for shares shall be issued in lieu of an old certificate unless the
corporation is ordered to do so by the superior court in an action brought under
Section 419(b) of the California General Corporation Law.

                             Article III. Directors.

Section 3.1 Powers. Subject to the provisions of the California General
Corporation Law and any limitations in the Articles of Incorporation, the
business and affairs of the corporation shall be managed and all corporate
powers shall be exercised by or under the direction of the Board of Directors.
The Board of Directors may delegate the management of the day-to-day operation
of the business of the corporation to a management company or other person,
provided that the business and affairs of the corporation shall be managed and
all corporate powers shall be exercised under the ultimate direction of the
Board of Directors.

Section 3.2. Number of Directors. The Board of Directors shall consist of not
less than three (3) or more than five (5) directors. The exact number of
directors within the limits specified shall be four (4) or such other number as
may be fixed from time to time by the approval of the Board of Directors or the
shareholders. Such indefinite number may be changed, or a definite number fixed
without provision for an indefinite number, by an amendment to these bylaws duly
adopted by the vote or written consent of a majority of the outstanding shares
entitled to vote; provided, however, that a bylaw amendment reducing the fixed
number or the minimum number of directors to a number less than five cannot be
adopted if the votes cast against its adoption at a meeting or the shares not
consenting in the case of action by written consent are equal to more than
16-2/3 percent of the outstanding shares entitled to vote. The stated maximum
number of authorized directors shall in no case be greater than two times the
stated minimum number of directors minus one.


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Section 3.3. Election and Term of Office. The directors shall be elected at each
annual meeting of shareholders. Each director, including a director elected to
fill a vacancy, shall hold office until the expiration of the term for which
elected and until a successor has been elected and qualified.

Section 3.4. Removal.

(a) Removal for Cause. The Board of Directors shall have the power to declare
vacant the office of a director who has been declared of unsound mind by an
order of court or convicted of a felony.

(b) Removal without Cause. Any or all of the directors may be removed without
cause if such removal is approved by the vote of a majority of the outstanding
shares entitled to vote, except that no director may be removed (unless the
entire board is removed) when the votes cast against removal, or not consenting
in writing to such removal, would be sufficient to elect such director if voted
cumulatively at an election at which the same total number of votes were cast
(or, if such action is taken by written consent, all shares entitled to vote
were voted) and the entire number of directors authorized at the time of the
directors' most recent election were then being elected. Any reduction of the
authorized number of directors does not remove any director prior to the
expiration of such director's term of office.

Section 3.5. Vacancies. A vacancy or vacancies in the Board of Directors shall
be deemed to exist (i) in the event of the death, resignation or removal of any
director, (ii) if the Board of Directors by resolution declares vacant the
office of a director who has been declared of unsound mind by an order of court
or convicted of a felony, (iii) if the authorized number of directors is
increased, or (iv) if the shareholders fail, at any meeting of shareholders at
which any director or directors are elected, to elect the number of directors to
be elected at that meeting. Except for a vacancy created by the removal of a
director, which vacancy may be filled only by approval of the shareholders,
vacancies on the Board of Directors may be filled by approval or ratification by
the vote of the Board or, if the number of directors then in office is less than
a quorum, by (a) the unanimous written consent of the directors then in office,
(b) the affirmative vote of a majority of the directors then in office or (c) by
a sole remaining director, and each director so elected shall hold office until
the expiration of the term for which elected and until his successor is elected
and qualified. The shareholders may elect a director at any time to fill any
vacancy not filled by the directors. If any such election is by written consent,
other than to fill a vacancy created by removal, the consent of a majority of
the outstanding shares entitled to vote is required. If any such election is by
written consent to fill a vacancy created by removal, the unanimous consent of
all shares entitled to vote for the election of directors is required.

Section 3.6. Resignation. Any director may resign effective upon giving written
notice to the chairman of the board, the president, the secretary or the Board
of Directors of the corporation, unless the notice specifies a later time for
the effectiveness of such registration. If the registration is effective at a
future time, a successor may be elected to take office when the resignation
becomes effective.

Section 3.7. Meetings of the Board of Directors.

(a) Regular Meetings. Regular meetings of the Board of Directors may be held
without notice if the time and place of such meetings are fixed by these bylaws
or the Board of Directors.


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(b) Annual Meeting. Immediately following each annual meeting of shareholders
the Board of Directors shall hold a regular meeting for the purpose of
organization, election of officers and the transaction of other business. Notice
of such meetings is hereby dispensed with.

(c) Special Meetings; Notices; Waiver of Notice. Special meetings of the Board
of Directors may be called at any time by the chairman of the board or the
president or by any vice president, the secretary or any two directors. Special
meetings shall be held upon four days' notice by first class mail or 48 hours'
notice delivered personally or by telephone or telegraph. Any oral notice given
personally or by telephone may be communicated either to the director or to a
person at the office of the director who the person giving the notice has reason
to believe will promptly communicate it to the director. Notice of a meeting
need not be given to any director who signs a waiver of notice or a consent to
holding the meeting or an approval of the minutes thereof, whether before or
after the meeting, or who attends the meeting without protesting, prior thereto
or at its commencement, the lack of notice to such director. All such waivers,
consents and approvals shall be filed with the corporate records or made a part
of the minutes of the meeting. A notice, or waiver of notice, need not specify
the purpose of any regular or special meeting of the Board of Directors.

(d) Notice of Adjournment. A majority of the directors present, whether or not a
quorum is present, may adjourn any meeting to another time and place. Notice of
the time and place of holding an adjourned meeting need not be given unless the
meeting is adjourned for more than 24 hours, in which case notice of such
adjournment to another time and place shall be given as provided herein prior to
the time of the adjourned meeting to the directors who were not present at the
time of adjournment.

(e) Place of Meeting. Meetings of the Board may be held at any place within or
without the State of California which has been designated in the notice of the
meeting or, if not stated in the notice or there is no notice, then such meeting
shall be held at the principal executive office of the corporation or such other
place designated by resolution of the Board of Directors.

(f) Presence by Conference Telephone Call. Any meeting, regular or special, of
the Board of Directors may be held through use of conference telephone or
similar communications equipment, so long as all members participating in such
meeting can hear one another. Such participation constitutes presence in person
at such meeting.

(g) Quorum. A majority of the authorized number of directors constitutes a
quorum of the Board for the transaction of business except to adjourn. Every act
or decision done or made by a majority of the directors present at a meeting
duly held at which a quorum is present is the act of the Board of Directors,
subject to the provisions of Sections 310 (entitled "Transactions Between
Corporations and Directors or Corporations Having Interrelated Directors"), 311
(entitled "Executive Committees") and 317(e) (relating to indemnification of
corporate agents) of the California General Corporation Law, other applicable
law and the Articles of Incorporation. A meeting at which a quorum is initially
present may continue to transact business, notwithstanding the withdrawal of
directors, if any action taken is approved by at least a majority of the
required quorum for such meeting.


                                       -9-
<PAGE>

Section 3.8. Action Without Meeting. Any action required or permitted to be
taken by the Board of Directors may be taken without a meeting if all members of
the Board of Directors shall individually or collectively consent in writing to
such action. Such written consent or consents shall be filed with the minutes of
the proceedings of the Board of Directors. Such action by written consent shall
have the same force and effect as a unanimous vote of such directors.

Section 3.9. Committees of the Board.

(a) Membership and Authority. The Board of Directors may, by resolution adopted
by a majority of the authorized number of directors, designate one or more
committees, each constituting of two or more directors, to serve at the pleasure
of the Board of Directors. The Board of Directors may designate one or more
directors as alternate members of any committee, who may replace any absent
member at any meeting of the committee. The appointment of members or alternate
members of any committee requires the vote of a majority of the authorized
number of directors. Any such committee, to the extent provided in the
resolution of the Board of Directors, shall have all the authority of the Board
of Directors, except with respect to:

      (1) The approval of any action which also requires, under the California
General Corporation Law, shareholders' approval or approval of the outstanding
shares;

      (2) The filling of vacancies on the Board of Directors or in any
committee;

      (3) The fixing of compensation of the directors for serving on the Board
of Directors or on any committee;

      (4) The amendment or repeal of bylaws or the adoption of new bylaws;

      (5) The amendment or repeal of any resolution of the Board of Directors
which by its express terms is not so amendable or repealable;

      (6) A distribution to the shareholders of the corporation, except at a
rate or in a periodic amount or within a price range set forth in the
corporation's Articles of Incorporation or determined by the Board of Directors;
and

      (7) The appointment of other committees of the Board of Directors or the
members thereof.

(b) Meetings and Action. The provisions of Section 3.9 shall apply also to
committees of the Board of Directors and action by such committees, with such
changes as are necessary to substitute the committee and its members for the
Board of Directors and its members, except that the time of meetings of
committees may be determined either by resolution of the Board of Directors or
by resolution of the committee; and notice of special committee meetings shall
also be given to all alternate members, who shall have the right to attend all
meetings of the committee. The Board of Directors may adopt rules for the
governing of any committee not inconsistent with these bylaws.

Section 3.10. Fees and Compensation of Directors. Directors and members of
committees may receive such compensation, if any, for their services and such
reimbursement of expenses as may be fixed or determined by resolution of the
Board of


                                      -10-
<PAGE>

Directors. This Section 3.10 shall not be construed to preclude any director
from serving the corporation in any other capacity as an officer, agent,
employee or otherwise and receiving compensation for those services.

Section 3.11. Corporate Loans and Guaranties to Directors, Officers and Others.

(a) The corporation may make a loan of money or property to, or guarantee the
obligation of, any director or officer of the corporation or of its parent if
the transaction, or an employee benefit plan authorizing the loans or guaranties
after disclosure of the right under such a plan to include officers or
directors, is approved by a majority of the shareholders entitled to act
thereon.

(b) The corporation may make loans of money or property to, or guarantee the
obligations of, any officer of the corporation, whether or not a director, or an
employee benefit plan authorizing the loan or guaranty provided that (1) the
Board of Directors determines that such a loan or guaranty or plan may
reasonably be expected to benefit the corporation, (2) the corporation has
outstanding shares held of record by 100 or more persons (determined as provided
in Section 605 of the Code) on the date of approval by the Board of Directors,
and (3) the approval of the Board of Directors is by a vote sufficient without
counting the vote of any interested director or directors.

(c) The corporation shall not make any loan of money or property to, or
guarantee the obligation of, any person upon the security of shares of the
corporation or of its parent if the corporation's recourse in the event of
default is limited to the security for the loan or guaranty, unless the loan or
guaranty is adequately secured without considering these shares, or the loan or
guaranty is approved by a majority of the shareholders entitled to act thereon.

(d) Notwithstanding Subparagraph (a) above, a corporation may advance money to a
director or officer of the corporation or of its parent for any expenses
reasonably anticipated to be incurred in the performance of the duties of the
director or officer, provided that in the absence of the advance the director or
officer would be entitled to be reimbursed for the expenses by the corporation,
its parent, or any subsidiary.

(e) The provisions of Subparagraph (a) above do not apply to the payment of
premiums in whole or in part by a corporation on a life insurance policy on the
life of a director or officer so long as repayment to the corporation of the
amount paid by it is secured by the proceeds of the policy and its cash
surrender value.

(f) This Section 3.11 does not apply to any of the following: (1) any
transaction, plan or agreement permitted under Section 408 of the California
General Corporation Law; or (2) any loan or guaranty made by a corporation that
makes loans or guaranties in the ordinary course of its business if statutes or
regulations pertaining to the corporation expressly regulate the making by the
corporation of loans to its officers or directors or the undertaking of
guaranties of the obligations of its officers or directors.

(g) For the purposes of Subparagraph (a) and (c) of this Section 3.11, "approval
by a majority of the shareholders entitled to act" means either (1) written
consent of a majority of the outstanding shares without counting as outstanding
or consenting any shares owned by any officer or director eligible to
participate in the plan or transaction that is subject to this approval, (2) the
affirmative vote of a majority of the shares


                                      -11-
<PAGE>

present and voting at a duly held meeting at which a quorum is otherwise
present, without counting for purposes of the vote as either present or voting
any shares owned by any officer or director eligible to participate in the plan
or transaction that is subject to the approval, or (3) the unanimous vote or
written consent of the shareholders. In the case of a corporation which has more
than one class or series of shares outstanding, the "shareholders entitled to
act" within the meaning of this section includes only holders of those classes
or series entitled under the Articles of Incorporation to vote on all matters
before the shareholders or to vote on the subject matter of this section, and
includes a requirement for separate class or series voting, or for more or less
than one vote per share, only to the extent required by the Articles of
Incorporation.

                              Article IV. Officers.

Section 4.1. Officers. The officers of the corporation shall consist of a
chairman of the board or a president, or both, a secretary, a chief financial
officer and such additional officers as stated in these bylaws or determined by
the Board of Directors in accordance with Section 4.3 of these bylaws and as may
be necessary to enable the corporation to sign instruments and share
certificates. Any number of offices may be held by the same person.

Section 4.2. Elections. All officers of the corporation, except such officers as
may be otherwise appointed in accordance with Section 4.3, shall be chosen by
the Board of Directors, and serve at the pleasure of the Board of Directors,
subject to the rights, if any, of an officer under any contract of employment.

Section 4.3. Other Officers. The Board of Directors, at its discretion, may
appoint, or empower the president to appoint, one or more vice presidents, one
or more assistant secretaries, a treasurer, one or more assistant treasurers or
such other officers as the business of the corporation may require, each of whom
shall hold office for such period, have such authority and perform such duties
as provided in these bylaws or as the Board of Directors may from time to time
determine.

Section 4.4. Removal. Subject to the rights, if any, of an officer under any
contract of employment, any officer may be removed, either with or without
cause, by the Board of Directors or, except in the case of an officer chosen by
the Board of Directors, by an officer upon whom such power of removal may be
conferred by the Board of Directors.

Section 4.5. Resignation. Any officer may resign at any time by giving written
notice to the Board of Directors or to the president or the secretary of the
corporation without prejudice to the rights, if any, of the corporation under
any contract to which such officer is a party. Any such resignation shall take
effect on the date of receipt of such notice or at any later time specified
therein, and, unless otherwise specified therein, the acceptance of such
resignation shall not be necessary to make it effective.

Section 4.6. Vacancies. A vacancy in any office because of death, resignation,
removal, disqualification or any other cause shall be filled in the manner
prescribed in these bylaws for regular appointments to such office.

Section 4.7. Chairman of the Board. The chairman of the board, if there shall be
such an officer, shall, if present, preside at all meetings of the Board of
Directors and exercise and perform such other powers and duties as may be from
time to time assigned to him by


                                      -12-
<PAGE>

the Board of Directors. If there is no president, the chairman of the board
shall in addition be the chief executive officer of the corporation and shall
have the powers and duties prescribed in Section 4.8 below.

Section 4.8. President. Subject to such supervisory powers, if any, as may be
given by the Board of Directors to the chairman of the board, if there be such
an officer, the president shall be chief executive officer of the corporation
and shall, subject to the control of the Board of Directors, have general
supervision, direction and control of the business and affairs of the
corporation. He shall preside at all meetings of the shareholders and, in the
absence of the chairman of the board, or if there be none, at all meetings of
the Board of Directors. He shall have the general powers and duties of
management usually vested in the office of president of a corporation and shall
have such other powers and duties as may be prescribed by the Board of Directors
or these bylaws.

Section 4.9. Vice Presidents. In the absence or disability of the president, the
vice presidents, if any, in order of their rank as fixed by the Board of
Directors or, if not ranked, a vice president designated by the Board of
Directors, shall perform all the duties of the president and when so acting
shall have all the powers of, and be subject to all the restrictions upon, the
president. The vice presidents shall have such other powers and perform such
other duties as from time to time may be prescribed for them respectively by the
Board of Directors, these bylaws, the president or chairman of the board.

Section 4.10. Secretary. The secretary shall keep or cause to be kept, at the
principal executive office of the corporation or such other place as the Board
of Directors may direct, a book of minutes of all meetings and actions of
directors, committees of directors and shareholders. The minutes shall show the
time and place of each meeting, whether regular or special (and, if special, how
authorized and the notice given), the names of those present at directors'
meetings or committee meetings, the number of shares present or represented at
shareholders' meetings, and the proceedings thereof.

      The secretary shall keep, or cause to be kept, at the principal executive
office of the corporation or at the office of the corporation's transfer agent
or registrar, as determined by resolution of the Board of Directors, a share
register, or a duplicate share register, showing the names of all shareholders
and their addresses, the number of shares held by each, the number and date of
certificates evidencing such shares, and the number and date of cancellation of
every certificate surrendered for cancellation.

      The secretary shall give, or cause to be given, notice of all meetings of
the shareholders and of the Board of Directors required to be given by law or by
these bylaws. He shall keep the seal of the corporation, if one be adopted, in
safe custody. The secretary shall not be deemed an executive officer of the
corporation and shall be limited in his responsibilities and authority to the
types of ministerial acts described in this Section 4.10 and shall have such
other powers and perform such other duties as may be prescribed by the Board of
Directors or by these bylaws.

Section 4.11. Chief Financial Officer. The chief financial officer shall have
general supervision, direction and control of the financial affairs of the
corporation and shall have such other powers and duties as may be prescribed by
the Board of Directors or these bylaws. In the absence of a named treasurer, the
chief financial officer shall be authorized and empowered to sign as treasurer
in any case where such officer's signature is required. The chief financial
officer shall keep or cause to be kept and maintained


                                      -13-
<PAGE>

adequate and correct books and records of accounts of the properties and
business transactions of the corporation, including its assets, liabilities,
receipts, disbursements, gains, losses, capital, retained earnings and shares.
The books of account shall at all reasonable times be open to inspection by any
director.

      The chief financial officer shall deposit all moneys and other valuables
in the name and to the credit of the corporation with such depositories as may
be designated by the Board of Directors. He shall disburse the funds of the
corporation as may be ordered by the Board of Directors, shall render to the
president and directors, whenever they request it, an account of all of his
transactions as chief financial officer and of the financial condition of the
corporation and shall have such other powers and perform such other duties as
may be prescribed by the Board of Directors or these bylaws.

                         Article V. Records and Reports.

Section 5.1. Books, Records and Reports.

(a) Books of Account and Record. The corporation shall keep adequate and correct
books and records of account and shall keep minutes of the proceedings of its
shareholders, the Board and committees of the Board and shall keep at its
principal executive office, or at the office of its transfer agent or registrar,
a record of its shareholders, giving the names and addresses of all shareholders
and the number and class of shares held by each. Such minutes shall be kept in
written form. Such other books and records shall be kept either in written form
or in any other form capable of being converted into written form.

(b) Annual Report. The annual report to shareholders referred to in Section
1501(a) of the California General Corporation Law is expressly dispensed with,
but nothing herein shall be interpreted as prohibiting the Board of Directors
from issuing annual or other periodic reports to the shareholders of the
corporation as the Board considers appropriate. In conformity with Section 1501
of the California General Corporation Law, if this corporation has 100 or more
shareholders of record, an annual report shall be sent to the shareholders of
this corporation not later than 120 days after the close of the fiscal year and
at least 15 (or, if sent by third-class mail, 35) days prior to the annual
meeting of shareholders to be held during the next fiscal year. This report
shall contain a balance sheet as of the end of that fiscal year and an income
statement and statement of changes in financial position for that fiscal year,
accompanied by a report of independent accountants or, if there is no such
report, the certificate of an authorized officer of the corporation that such
statements were prepared without audit from the books and records of the
corporation. Such report shall also include such further statements required by
law applicable to the corporation from time to time.

(c) Shareholders' Requests for Financial Reports. If no annual report for the
last fiscal year has been sent to the shareholders, the corporation shall, upon
the written request of any shareholder made more than 120 days after the close
of such fiscal year, deliver or mail to the shareholder making the request
within 30 days thereafter the same financial statements required by Section
1501(a) of the California General Corporation Law for that year. Any shareholder
or shareholders holding at least five percent of the outstanding shares of any
class of the corporation may make a written request to the corporation for an
income statement of the corporation for the three-month, six-month or nine-month
period of the current fiscal year ended more than 30 days prior to the date of


                                      -14-
<PAGE>

the request and a balance sheet of the corporation as of the end of the period
and, in addition, if no annual report for the last fiscal year has been sent to
shareholders, the statements referred to in Section 1501(a) of the California
General Corporation Law for the last fiscal year. The statements shall be
delivered or mailed to the person making the request within 30 days after
receipt thereof. A copy of the statements shall be kept on file in the principal
office of the corporation for 12 months and it shall be exhibited at all
reasonable times to any shareholder demanding an examination of the statements
or a copy shall be mailed to such shareholder upon demand.

      The quarterly income statements and balance sheets referred to in this
Section 5.1(c) shall be accompanied by the report thereon, if any, of any
independent accountants engaged by the corporation or the certificate of an
authorized officer of the corporation that the financial statements were
prepared without audit from the books and records of the corporation.

      The corporation also shall, upon the written request of any shareholder,
mail to the shareholder a copy of the last annual, semiannual or quarterly
income statement which it has prepared and a balance sheet as of the end of the
period.

Section 5.2. Rights of Inspection.

(a) By Shareholders.

      (1) Record of Shareholders. Any shareholder or shareholders holding at
least five percent in the aggregate of the outstanding voting shares of the
corporation or who hold at least one percent of such voting shares and have
filed a Schedule 14B with the United States Securities and Exchange Commission
relating to the election of directors of the corporation shall have an absolute
right to do either or both of the following: (i) inspect and copy the record of
shareholders' names and addresses and shareholdings during usual business hours
upon five business days' prior written demand upon the corporation or (ii)
obtain from the transfer agent for the corporation, upon written demand and upon
the tender of its usual charges for such a list (the amount of which charges
shall be stated to the shareholder by the transfer agent upon request), a list
of the names and addresses of the shareholders, who are entitled to vote for the
election of directors, and their shareholdings, as of the most recent record
date for which it has been compiled or as of a date specified by the shareholder
subsequent to the date of demand. The list shall be made available on or before
the later of five business days after demand is received or the date specified
therein as the date as of which the list is to be compiled.

            The record of shareholders shall also be open to inspection and
copying by a shareholder or holder of a voting trust certificate at any time
during usual business hours, upon written demand on the corporation, for a
purpose reasonably related to such holder's interests as a shareholder or holder
of a voting trust certificate. Any inspection and copying under Section 5.2(a)
may be made in person or by agent or attorney.

      (2) Accounting Books and Records. The accounting books and records and
minutes of proceedings of the shareholders, the Board of Directors and the
committees of the Board of Directors shall be open to inspection upon the
written demand on the corporation of any shareholder or holder of a voting trust
certificate at any reasonable time during usual business hours, for a purpose
reasonably related to such holder's interests as a shareholder or as the holder
of such voting trust certificate. This right of


                                      -15-
<PAGE>

inspection shall also extend to the records of each subsidiary of the
corporation. Such inspection by a shareholder or holder of a voting trust
certificate may be made in person or by agent or attorney, and the right of
inspection includes the right to copy and make extracts.

      (3) Bylaws. The corporation shall keep at its principal executive office
in this state, or if its principal executive office is not in this state at its
principal business office in this state, the original or a copy of its bylaws,
as amended to date, which shall be open to inspection by the shareholders at all
reasonable times during office hours. If the principal executive office of the
corporation is outside this state and the corporation has no principal business
office in this state the corporation shall upon the written request of any
shareholder furnish to such shareholder a copy of the bylaws as amended to date.

(b) By Directors. Every director of the corporation shall have the absolute
right at any reasonable time to inspect and copy all books, records and
documents of every kind and to inspect the physical properties of the
corporation and also of its subsidiary corporations, domestic or foreign. Such
inspection by a director may be made in person or by agent or attorney and the
right of inspection includes the right to copy and make extracts.

                           Article VI. Miscellaneous.

Section 6.1. Checks, Drafts, Etc. All checks, drafts or other orders for payment
of money, notes or other evidences of indebtedness issued in the name of or
payable to the corporation shall be signed or endorsed by such person or persons
and in such manner as, from time to time, shall be determined by resolution of
the Board of Directors.

Section 6.2. Authority to Execute Contracts. The Board of Directors may
authorize any officer or officers or agent or agents to enter into any contract
or execute any instrument in the name of an on behalf of the corporation, and
such authority may be general or confined to specific instances; and, unless so
authorized by the Board of Directors, no officer, agent or employee shall have
any power or authority to bind the corporation by any contract or engagement or
to pledge its credit or to render it liable for any purpose or to any amount.

Section 6.3. Representation of Shares of Other Corporations. The chairman of the
board, if any, the president or any vice president and the secretary or
assistant secretary of the corporation are authorized to vote, represent and
exercise on behalf of the corporation all rights incident to any and all shares
of any other corporation or corporations standing in the name of the
corporation. The authority herein granted to said officers to vote or represent
on behalf of the corporation any and all shares held by the corporation in any
other corporation or corporations may be exercised either by such officers in
person or by any other person authorized so to do by proxy or power of attorney
duly executed by said officers.

Section 6.4. Indemnification and Insurance.

(a) For the purposes of this Section 6.4, "agent" means any person who is or was
a director, officer, employee or other agent of the corporation, or is or was
serving at the request of the corporation as a director, officer, employee or
agent of another foreign or domestic corporation, partnership, joint venture,
trust or other enterprise, or was a director, officer, employee or agent of a
foreign or domestic corporation which was a


                                      -16-
<PAGE>

predecessor corporation of the corporation or of another enterprise at the
request of such predecessor corporation; "proceeding" means any threatened,
pending or completed action or proceeding, whether civil, criminal,
administrative or investigative; and "expenses" includes, without limitation,
attorneys' fees and any expenses of establishing a right to indemnification
under Subparagraph (d) or (e)(3) of this Section 6.4.

(b) The corporation shall have the power to indemnify any person who was or is a
party or is threatened to be made a party to any proceeding (other than an
action by or in the right of the corporation to procure a judgment in its favor)
by reason of the fact that such person is or was an agent of the corporation,
against expenses, judgments, fines, settlements and other amounts actually and
reasonably incurred in connection with such proceeding if such person acted in
good faith and in a manner such person reasonably believed to be in the best
interests of the corporation and, in the case of a criminal proceeding, had no
reasonable cause to believe the conduct of such person was unlawful. The
termination of any proceeding by judgment, order, settlement, conviction or upon
a plea of nolo contendere or its equivalent shall not, of itself, create a
presumption that the person did not act in good faith and in a manner which the
person reasonably believed to be in the best in interests of the corporation or
that the person had reasonable cause to believe that the person's conduct was
unlawful.

(c) The corporation shall have the power to indemnify any person who was or is a
party or is threatened to be made a party to any threatened, pending or
completed action by or in the right of the corporation to procure a judgment in
its favor by reason of the fact that such person is or was an agent of the
corporation, against expenses actually and reasonably incurred by such person in
connection with the defense or settlement of such action if such person acted in
good faith, in a manner such person believed to be in the best interests of the
corporation and with such care, including reasonable inquiry, as an ordinary
prudent person in a like position would use under similar circumstances. No
indemnification shall be made under this Subparagraph (c):

      (1) In respect of any claim, issue or matter as to which such person shall
have been adjudged to be liable to the corporation in the performance of such
person's duty to the corporation, unless and only to the extent that the court
in which such proceeding is or was pending shall determine upon application
that, in view of all the circumstances of the case, such person is fairly and
reasonably entitled to indemnity for the expenses which such court shall
determine;

      (2) Of amounts paid in settling or otherwise disposing of a threatened or
pending action, with or without court approval; or

      (3) Of expenses incurred in defending a threatened or pending action which
is settled or otherwise disposed of without court approval.

(d) To the extent that an agent of the corporation has been successful on the
merits on defense of any proceeding referred to in Subsection (b) or (c) above
or in defense of any claim, issue or matter therein, the agent shall be
indemnified against expenses actually and reasonably incurred by the agent in
connection therewith.


                                      -17-
<PAGE>

(e) Except as provided in Subsection (d) above, any indemnification shall be
made by the corporation only if authorized in the specific case, upon a
determination that indemnification of the agent is proper in the circumstances
because the agent has met the applicable standard of conduct set forth in
Subsection (b) or (c) above, by:

      (1) A majority vote of a quorum consisting of directors who are not
parties to such proceeding;

      (2) Approval of the shareholders, with the shares owned by the person to
be indemnified not being entitled to vote thereon; or

      (3) The court in which such proceeding is or was pending upon application
made by the corporation or the agent or the attorney or other person rendering
services in connection with the defense, whether or not such application by the
agent, attorney or other person is opposed by the corporation.

(f) Expenses incurred in defending any proceeding may be advanced by the
corporation prior to the final disposition of such proceeding upon receipt of an
undertaking by or on behalf of the agent to repay such amount unless it shall be
determined ultimately that the agent is entitled to be indemnified as authorized
in this section.

(g) The corporation shall have power to purchase and maintain insurance on
behalf of any agent of the corporation against any liability asserted against or
incurred by the agent in such capacity or arising out of the agent's status as
such whether or not the corporation would have the power to indemnify the agent
against such liability under the provisions of this section.

Section 6.5. Employee Stock Purchase Plans. The corporation may adopt and carry
out a stock purchase plan or agreement or stock option plan or agreement
providing for the issue and sale for such consideration as may be fixed of its
unissued share, or of issued shares acquired or to be acquired, to one or more
of the employees or directors of the corporation or a subsidiary or parent
thereof or to a trustee on their behalf and for the payment for such shares in
installments or at one time, and may provide for aiding any such persons in
paying for such shares by compensation for services rendered, promissory notes
or otherwise.

      A stock purchase plan or agreement or stock option plan or agreement may
include, among other features, the fixing of eligibility for participation
therein, the class and price of shares to be issued or sold under the plan or
agreement, the number of shares which may be subscribed for, the method of
payment therefor, the reservation of title until full payment therefor, the
effect of the termination of employment, an option or obligation on the part of
the corporation to repurchase the shares upon termination of employment, subject
to the provisions of the California General Corporation Law, restrictions upon
transfer of the shares and the time limits of and termination of the plan.

Section 6.8. Construction and Definitions. Unless the context otherwise
requires, the general provisions, rules of construction and definitions
contained in the California General Corporation Law shall govern the
construction of these bylaws. Without limiting the generality of the foregoing,
the masculine gender includes the feminine and neuter, the singular number
includes the plural and the plural number includes the singular, and the term
"person" includes a corporation as well as a natural person.


                                      -18-
<PAGE>

                            Article VII. Amendments.

Section 7.1. Power of Shareholders. New bylaws may be adopted or these bylaws
may be amended or repealed by the affirmative vote of a majority of the
outstanding shares entitled to vote or by the written consent of such
shareholders, except as otherwise provided by law or by the Articles of
Incorporation.

Section 7.2. Power of Directors. Subject to the right of shareholders as
provided in Section 7.1 to adopt, amend or repeal bylaws, any bylaw may be
adopted, amended or repealed by the Board of Directors other than a bylaw or
amendment thereof changing the authorized number of directors, if such number is
fixed, or the maximum-minimum limits thereof, if an indefinite number.

      The undersigned, as the incorporator of Intellichoice, Inc. hereby adopts
the foregoing by laws as the bylaws of said corporation.

      Dated: November 30, 1987


                                             /s/ Peter Levy
                                             ---------------------------
                                             Peter Levy


THIS IS TO CERTIFY:

      That I am the duly elected, qualified and acting Secretary of
Intellichoice, Inc. and that the foregoing bylaws were adopted as the bylaws of
said corporation on the 30 day of November by the Board of Directors of said
corporation.

      Dated: November 30, 1987


                                             /s/ Steven Gross
                                             ---------------------------
                                             Secretary


                                      -19-
<PAGE>

             "Article VIII. Indemnification of Directors, Officers,
                           Employees and Other Agents.

Section 8.1 Indemnification of Directors and Officers. The corporation shall, to
the maximum extent and in the manner permitted by the Code, indemnify each of
its directors and officers against expenses (as defined in Section 317(a) of the
Code), judgments, fines, settlements, and other amounts actually and reasonably
incurred in connection with any proceeding (as defined in Section 317(a)),
arising by reason of the fact that such person is or was an agent of the
corporation. For purposes of this Article VI, a "director" or "officer" of the
corporation includes any person (i) who is or was a director or officer of the
corporation, (ii) who is or was serving at the request of the corporation as a
director or officer of another corporation, partnership, joint venture, trust or
other enterprise, or (iii) who was a director of officer of a corporation which
was a predecessor corporation of the corporation or of another enterprise at the
request of such predecessor corporation.

Section 8.2 Indemnification of Others. The corporation shall have the power, to
the extent and in the manner permitted by the Code, to indemnify each of its
employees and agents (other than directors and officers) against expenses (as
defined in Section 317(a) of the Code), judgments, fines, settlements, and other
amounts actually and reasonably incurred in connection with any proceeding (as
defined in Section 317(a) of the Code), arising by reason of the fact that such
person is or was an agent of the corporation. For purposes of this Article VI,
an "employee" or "agent" of the corporation (other than a director or officer)
includes an persons (i) who is or was an employee or agent of the corporation,
(ii) who is or was servicing at the request of the corporation as an employee or
agent of another corporation, partnership, joint venture, trust or other
enterprise, or (iii) who was an employee or agent of a corporation which was a
predecessor corporation of the corporation or of another enterprise at the
request of such predecessor.

Section 8.3 Payment of Expenses in Advance. Expenses incurred in defending any
civil or criminal action or proceeding for which indemnification is required
pursuant to Section 6.1, or for which indemnification is provided pursuant to
Section 6.2 hereof, shall be paid by the corporation in advance of the final
disposition of such action or proceeding upon receipt of an undertaking by or on
behalf of the indemnified party to repay such amount if it shall ultimately be
determined that the indemnified party is not entitled to be indemnified as
authorized in this Article VI. Notwithstanding the foregoing, no advance shall
be made by the corporation if a determination is reasonably and promptly made by
the Board of Directors by a majority vote of a quorum of


                                       -1-
<PAGE>

disinterested directors or by independent legal counsel in a written opinion
that, based upon the facts known to the board or counsel at the time such
determination is made, such person did not act in good faith and in a manner
which the person reasonably believed to be in the best interest of the
corporation, or, with respect to any criminal proceeding, that such person
believed or had reasonable cause to believe his conduct was unlawful. In no
event shall any advance be made in instances where the board or independent
legal counsel reasonably determines that such person deliberately breached his
duty to the corporation or its shareholders.

Section 8.4 Indemnity Not Exclusive. The indemnification provided by this
Article VI shall not be deemed exclusive of any other rights to which those
seeking indemnification may be entitled under any bylaw, agreement, vote of
shareholder or disinterested directors or otherwise, both as to action in an
official capacity and as to action in another capacity while holding such
office, to the extent that such additional rights to indemnification are
authorized in the Articles of Incorporation.

Section 8.5 Indemnification Agreements. The corporation is authorized to enter
into indemnification agreements consistent with the provisions of this Article
VI and to the full extent permitted by the Code with any of its directors,
officers, employees or other agents.

Section 8.6 Amendment. The corporation shall not retroactively repeal or amend
this Article VI or any provision hereof, or any other provisions of these bylaws
relating to indemnification, in a way which adversely affects any right or
protection under this Article VI existing at the time of such repeal or
amendment.

Section 8.7 Savings Clause. If this Article VI or any portion thereof shall be
invalidated on any ground by any court of competent jurisdiction, then the
corporation shall nevertheless indemnify each director and officer against
expenses (including attorneys' fees), judgments, fines and amounts paid in
settlement with respect to any action, proceeding or investigation, whether
civil, criminal or administrative, and whether internal or external, including a
grand jury proceeding and an action or proceeding brought by or in the right of
the corporation, to the full extent permitted by any applicable portion of this
Article VI that shall not have been invalidated, or by any other applicable
law."


                                       -2-
<PAGE>

      THIS IS TO CERTIFY:

      That I am the duly elected, qualified and acting Secretary of
IntelliChoice, Inc. and that the foregoing Article VIII was adopted as the
Bylaws of said corporation on 10th day of April, 1989 by the Board of Directors
of said corporation.

DATED: April 10, 1990


                                             /s/ Steven Gross
                                             ---------------------------
                                             Steven Gross, Secretary


                                       -3-
<PAGE>

      THIS IS TO CERTIFY:

      That I am the duly elected, qualified and acting Secretary of
IntelliChoice, Inc. and that the foregoing Article VIII was adopted as the
Bylaws of said corporation on 6th day of January, 1989 by the Board of Directors
of said corporation.

DATED: March 31, 1989


                                             /s/ Steven Gross
                                             ---------------------------
                                             Steven Gross, Secretary


                                       -3-