Exhibit 10.22
                                OPTION AGREEMENT

     THIS AGREEMENT is made and entered into on this 30th day of September, 1996
by and between American  Physicians  Service Group,  Inc.  ("APS"),  a Delaware
corporation, and DR. Edward Schrader, an individual ("Stockholder").

IT IS AGREED BY AND BETWEEN THE PARTIES AS FOLLOWS:

     1. Identification of Exsorbet Industries. Inc. Exsorbet Industries, Inc. is
an Idaho corporation, having its principal place of business in Jackson, 
Mississippi. The only class of common stock of Exsorbet Industries, Inc. trades 
on the Nasdaq Stock Market, Inc. SmallCap Market under the symbol "EXSO". As 
used herein, the term "Exsorbet" shall refer to Exsorbet Industries, Inc. and 
its successors.

     2. Disclosures. Stockholder has disclosed to APS that Exsorbet, through its
Board of Directors, has proposed merger into a Delaware corporation, whereby tne
Delaware corporation would be the surviving  corporation,  and changing the name
of Exsorbet to Consolidated EcoSysterns, Inc. The term "Exsorbet" shall refer to
such  surviving or successor  corporation  in the event that such merger  and/or
name change is approved.

     3. Representations. Stocknolder has made no representadons to APS 
concerning the financial condition of Exsorbet and its subsidiaries. Stockholder
has made no representations or warranties concerning the future value of 
Exsorbet stock, future earnings of Exsorbet, or any other representations
concerning Exsorbet, except as are identified herein.

     4. Stock Ownership. Stockholder is the owner of 0 shares of common stock of
Exsorbet,  such shares  having  been  issued  pursuant to Rule 144 of tne United
States Securities and Exchange  Commission  ("Rule 144"). Such shares of common
stock are subject to the  provisions  of Rule 144 and all  applicable  state and
federal  securities  regulations and statutes.  Stockholder will not transfer or
assign any of such stock until expiration of this option agreement.

     5. Option  Agreements.  Stockholder  possesses  a present  right to acquire
335,000 shares of common  stock of Exsorbet  pursuant to an option  agreement or
agreements,  copies of which are attached hereto. Stockholder will not transfer,
extinguish or assign any of such options or rights  thereunder  until expiration
of this option agreement.

     6.  Option  Grant to APS.  For a period of sixty days after  September  30,
1996, Stockholder grants to APS an exclusive right to acquire 0 shares of common
stock of  Exsorbet,  representing  a  portion  of  those  shares  identified  in
paragraph 4, above. The acquisition price shall be $2.75 per share.

     7.  Additional  Option  Grant to APS.  For a period  of  sixty  days  after
September  30, 1996,  Stockholder  grants to APS an  exclusive  right to acquire
167,500 shares of common stock of Exsorbet,  by exercising such portion of the
options  identified in paragraph 5, above as necessary to acquire such number of
shares. The acquisition price shall be S2.75 per share.
<PAGE>

     8. Exercising of Stock Options.  Stockholder  warrants and covenants with 
APS that he will,  upon  exercising  of the option  specified in paragraph 6 or
7, above, exercise the option  agreements  with  Exsorbet,  acquiring the number
of shares being  ultimately  transferrable to APS. Such option exercise shall 
occur within two  business  days of  notification  by APS that it is  exercising
the  option specified herein.

     9. APS  Agreements.  APS: (A) understands  that the Exsorbet stock has not
been, and will not be,  registered  under the Securities Act, or under any state
securities  laws,  and are being  offered and sold in reliance  upon federal and
state  exemptdons for  transactions  not involving any public  offering;  (B) is
acquiring the Exsorbet  stock for its own account for investment  purposes,  and
not with a view to the  distribution  thereof;  (C) is a sophisticated  investor
with  knowledge  and  experience  in business  and  financial  matters,  (D) has
received or will receive certain information concerning Exsorbet and has had the
opportunity to obtain additional information as desired in order to evaluate the
merits and the risks inherent in holding the Exsorbet stock; (E) is able to bear
the economic risk and lack of liquidity  inherent in holding the Exsorbet stock;
and (F) is an  Accredited  Investor,  as defined  in  Regulation  D  promulgated
pursuant to the Secunties Act of 1933, as amended.

     10. Paragraph Headings. Paragraph Headings, being the underlined portion at
the beginning of each section, are intended for assistance only and shall not 
alter, modify, amend, or change the meanings of the written paragraphs.

     11.  Construction.  This Agreement shall be liberally construed in favor of
granting an exclusive  option upon the terms  specified  herein.  In furtherance
thereof,  this  Agreement  shall be  construed in  accordance  with the laws and
statutes of the State of Texas, being the principal place of business of APS.

     12. Advice to Seek Legal Counsel.  Stockholder  has sought and obtained the
advice of counsel prior to entering this Agreement or has been strongly  advised
to obtain legal counsel  concerning the advisability of entering this Agreement.
In entering  this  Agreement,  Stockholder  is not relying upon any  statements,
representations,  or opinions of: (a) any attomeys or counsel for or of Exsorbet
or APS; (b) any representatives,  agents,  officers,  employees, or directors of
Exsorbet  Industries,  Inc., its  subsidiaries,  or APS; or (c) any person other
than his retained legal attorney.

13. Notices. Notices to Stockholder shall be delivered to: Ed Schrader

     Notices to APS shall be  delivered  to:  Duane Boyd,  Jr.,  1301 Capital of
Texas Highway, Suite C-300, Austin, TX 78746.

     All notices  shall be  delivered  by  certified  mail with a retum  receipt
requested,  by ovemight courier, or by facsimile.  All notices shall be complete
upon delivery.

     14. Cooperation. Stockholder agrees to fully cooperate with APS in the 
event that APS elects to exercise any rights under this Agreement. Stockholder 
shall take no action which would obstruct the ability of APS to exercise its 
rights under this Agreement.
<PAGE>

     15. Procedure for Exercising Option. APS may exercise its rights under this
Agreement by giving written notice to the Sharebolder in the manner specified in
paragraph  13,  above.  Such  written  notice  shall be in any  reasonable  form
sufficient to notify  Stockholder of the  exercising of the option. Full payment
shall be due upon the  delivery  of any or all shares from  Stockholder  to APS.
Upon exercising of any options,  Stockholder  shall arrange for: (i) delivery of
existing  shares,  if any, to APS within five business days;  (ii) exercising of
any stock options with Exsorbet  within two business days; and (iii) delivery of
stock  certificates  obtained  upon exercise of stock ophons within two business
days of receipt of such stock certificates.

     16. Severability. In the event that any section or paragraph contained 
herein shall be invalid, unlawful, or unenforceable, the remainda shall be 
severable, valid, and effective as if such invalid, unlawful, or unenforceable
section or paragraph were not contained herein.

     17. Consideration. In consideration of the Agreements contained herein, APS
is providing the sum of One Hundred Dollars (S 100.00) to Stockholder. 
Stockholder accepts such amount as full and complete consideration for this 
Agreement.

     18. Complete Agreement. This Agreement is the full and complete agreement 
between the parties. There are no agreements or understandings between the 
parties which are not contained herein.

    19. Adjustments in Option. In the event that the common stock of Exsorbet is
changed into or exchanged  for a different  number or kind of shares of Exsorbet
or  other  securides  by  reason  of  merger, consolidation,  recapitalization,
reclassification, stock split, stock dividend or combination of shares, the 
option granted to APS herein shall be subject to an appropriate and equitable 
adjustment in the number and kind of shares as to which the  option,  or  
portions  thereof then  unexercised,  shall be  exercisable,  to the end that 
after such event the proportionate interest of APS shall be maintained as before
the occurrence of such event. Such adjustment in the option shall be made 
without change in the total price applicable to the unexercised portion of the 
option.

     20. APS Party Appointed  Attorney-in-Fact.  Stockholder  hereby irrevocably
appoints APS as  attorney-in-fact of  Stockholder  (such power of attomey  being
coupled  with an  interest),  with  full  authority  in the  place and stead of
Stockholder and in the name of Stockholder,  APS or otherwise, from time to time
on APS' discretion and upon the  occurrence of any default by Stockholder of any
of  Stockholder's  obligations  hereunder, to take any action and to execute any
instrument  which APS may deem necessary or advisable to accomplish the purposes
of this Agreement, including without limitation to assign and transfer the stock
which is the subject of this  Agreement to APS, or any part thereof,  absolutely
and to execute and deliver endorsements, assignments, conveyances, bills of sale
and other instruments with power to substitute one or more persons or 
corporation with like power.

     21. Binding Effect. This Option Agreement shall inure to the benefit of, 
and be  binding upon the parties hereto and  their  respective  heirs,  personal
representatives,  successors and permitted  assigns.  Stockholder may not assign
its rights or obligations hereunder without the prior express written consent of
APS in each instance.
<PAGE>

     IN WITNESS WHEREOF,  the parties have executed this  Agreement upon the day
and year first above written.

                                                  ------------------------
                                                  Stockholder
<PAGE>

                                OPTION AGREEMENT

     THIS AGREEMENT is made and entered into on this 30th day of September, 1996
by and between American  Physicians  Service Group,  Inc.  ("APS"),  a Delaware
corporation, and Kenneth McDonald, an individual ("Stockholder").

IT IS AGREED BY AND BETWEEN THE PARTIES AS FOLLOWS:

     1. Identification of Exsorbet Industries. Inc. Exsorbet Industries, Inc. is
an Idaho corporation, having its principal place of business in Jackson, 
Mississippi. The only class of common stock of Exsorbet Industries, Inc. trades 
on the Nasdaq Stock Market, Inc. SmallCap Market under the symbol "EXSO". As 
used herein, the term "Exsorbet" shall refer to Exsorbet Industries, Inc. and 
its successors.

     2. Disclosures. Stockholder has disclosed to APS that Exsorbet, through its
Board of Directors, has proposed merger into a Delaware corporation, whereby tne
Delaware corporation would be the surviving  corporation,  and changing the name
of Exsorbet to Consolidated EcoSysterns, Inc. The term "Exsorbet" shall refer to
such  surviving or successor  corporation  in the event that such merger  and/or
name change is approved.

     3. Representations. Stocknolder has made no representadons to APS 
concerning the financial condition of Exsorbet and its subsidiaries. Stockholder
has made no representations or warranties concerning the future value of 
Exsorbet stock, future earnings of Exsorbet, or any other representations
concerning Exsorbet, except as are identified herein.

     4. Stock Ownership. Stockholder is the owner of 545,388 shares of common 
stock of Exsorbet,  such shares  having  been  issued  pursuant to Rule 144 of 
the United States Securities and Exchange  Commission  ("Rule 144"). Such shares
of common stock are subject to the  provisions  of Rule 144 and all  applicable
state and federal  securities  regulations and statutes.  Stockholder will not 
transfer or assign any of such stock until expiration of this option agreement.

     5. Option  Agreements.  Stockholder  possesses  a present  right to acquire
514,469 shares of common  stock of Exsorbet  pursuant to an option  agreement or
agreements,  copies of which are attached hereto. Stockholder will not transfer,
extinguish or assign any of such options or rights  thereunder  until expiration
of this option agreement.

     6.  Option  Grant to APS.  For a period of sixty days after  September  30,
1996, Stockholder grants to APS an exclusive right to acquire 190,000 shares of
common stock of  Exsorbet, representing a portion  of  those  shares  identified
in paragraph 4, above. The acquisition price shall be $2.75 per share.

     7.  Additional  Option  Grant to APS.  For a period  of  sixty  days  after
September  30, 1996,  Stockholder  grants to APS an  exclusive  right to acquire
-0- shares of common stock of Exsorbet,  by exercising such portion of the
options  identified in paragraph 5, above as necessary to acquire such number of
shares. The acquisition price shall be S2.75 per share.
<PAGE>

     8. Exercising of Stock Options.  Stockholder  warrants and covenants with 
APS that he will,  upon  exercising  of the option  specified in paragraph 6 or
7, above, exercise the option  agreements  with  Exsorbet,  acquiring the number
of shares being  ultimately  transferrable to APS. Such option exercise shall 
occur within two  business  days of  notification  by APS that it is  exercising
the  option specified herein.

     9. APS  Agreements.  APS: (A) understands  that the Exsorbet stock has not
been, and will not be,  registered  under the Securities Act, or under any state
securities  laws,  and are being  offered and sold in reliance  upon federal and
state  exemptdons for  transactions  not involving any public  offering;  (B) is
acquiring the Exsorbet  stock for its own account for investment  purposes,  and
not with a view to the  distribution  thereof;  (C) is a sophisticated  investor
with  knowledge  and  experience  in business  and  financial  matters,  (D) has
received or will receive certain information concerning Exsorbet and has had the
opportunity to obtain additional information as desired in order to evaluate the
merits and the risks inherent in holding the Exsorbet stock; (E) is able to bear
the economic risk and lack of liquidity  inherent in holding the Exsorbet stock;
and (F) is an  Accredited  Investor,  as defined  in  Regulation  D  promulgated
pursuant to the Secunties Act of 1933, as amended.

     10. Paragraph Headinys. Paragraph Headings, being the underlined portion at
the beginning of each section, are intended for assistance only and shall not 
alter, modify, amend, or change the meanings of the written paragraphs.

     11.  Construction.  This Agreement shall be liberally construed in favor of
granting an exclusive  option upon the terms  specified  herein.  In furtherance
thereof,  this  Agreement  shall be  construed in  accordance  with the laws and
statutes of the State of Texas, being the principal place of business of APS.

     12. Advice to Seek Legal Counsel.  Stockholder  has sought and obtained the
advice of counsel prior to entering this Agreement or has been strongly  advised
to obtain legal counsel  concerning the advisability of entering this Agreement.
In entering  this  Agreement,  Stockholder  is not relying upon any  statements,
representations,  or opinions of: (a) any attomeys or counsel for or of Exsorbet
or APS; (b) any representatives,  agents,  officers,  employees, or directors of
Exsorbet  Industries,  Inc., its  subsidiaries,  or APS; or (c) any person other
than his retained legal attorney.

     13. Notices. Notices to Stockholder shall be delivered to: Ken McDonald, KR
Industrial Service of Alabama, Hwy 195 North, Double Springs, AL 35553.

     Notices to APS shall be  delivered  to:  Duane Boyd,  Jr.,  1301 Capital of
Texas Highway, Suite C-300, Austin, TX 78746.

     All notices  shall be  delivered  by  certified  mail with a retum  receipt
requested,  by ovemight courier, or by facsimile.  All notices shall be complete
upon delivery.

     14. Cooperation. Stockholder agrees to fully cooperate with APS in the 
event that APS elects to exercise any rights under this Agreement. Stockholder 
shall take no action which would obstruct the ability of APS to exercise its 
rights under this Agreement.
<PAGE>

     15. Procedure for Exercising Option. APS may exercise its rights under this
Agreement by giving written notice to the Sharebolder in the manner specified in
paragraph  13,  above.  Such  written  notice  shall be in any  reasonable  form
sufficient to notify  Stockholder of the  exercising of the option. Full payment
shall be due upon the  delivery  of any or all shares from  Stockholder  to APS.
Upon exercising of any options,  Stockholder  shall arrange for: (i) delivery of
existing  shares,  if any, to APS within five business days;  (ii) exercising of
any stock options with Exsorbet  within two business days; and (iii) delivery of
stock  certificates  obtained  upon exercise of stock ophons within two business
days of receipt of such stock certificates.

     16. Severability. In the event that any section or paragraph contained 
herein shall be invalid, unlawful, or unenforceable, the remainder shall be 
severable, valid, and effective as if such invalid, unlawful, or unenforceable
section or paragraph were not contained herein.

     17. Consideration. In consideration of the Agreements contained herein, APS
is providing the sum of One Hundred Dollars (S 100.00) to Stockholder. 
Stockholder accepts such amount as full and complete consideration for this 
Agreement.

     18. Complete Agreement. This Agreement is the full and complete agreement 
between the parties. There are no agreements or understandings between the 
parties which are not contained herein.

    19. Adjustments in Option. In the event that the common stock of Exsorbet is
changed into or exchanged  for a different  number or kind of shares of Exsorbet
or  other  securides  by  reason  of  merger, consolidation,  recapitalization,
reclassification, stock split, stock dividend or combination of shares, the 
option granted to APS herein shall be subject to an appropriate and equitable 
adjustment in the number and kind of shares as to which the  option,  or  
portions  thereof then  unexercised,  shall be  exercisable,  to the end that 
after such event the proportionate interest of APS shall be maintained as before
the occurrence of such event. Such adjustment in the option shall be made 
without change in the total price applicable to the unexercised portion of the 
option.

     20. APS Party Appointed  Attorney-in-Fact.  Stockholder  hereby irrevocably
appoints APS as  attorney-in-fact of  Stockholder  (such power of attomey  being
coupled  with an  interest),  with  full  authority  in the  place and stead of
Stockholder and in the name of Stockholder,  APS or otherwise, from time to time
on APS' discretion and upon the  occurrence of any default by Stockholder of any
of  Stockholder's  obligations  hereunder, to take any action and to execute any
instrument  which APS may deem necessary or advisable to accomplish the purposes
of this Agreement, including without limitation to assign and transfer the stock
which is the subject of this  Agreement to APS, or any part thereof,  absolutely
and to execute and deliver endorsements, assignments, conveyances, bills of sale
and other instruments with power to substitute one or more persons or 
corporation with like power.

     21. Binding Effect. This Option Agreement shall inure to the benefit of, 
and be  binding upon the parties hereto and  their  respective  heirs,  personal
representatives,  successors and permitted  assigns.  Stockholder may not assign
its rights or obligations hereunder without the prior express written consent of
APS in each instance.
<PAGE>

     IN WITNESS WHEREOF,  the parties have executed this  Agreement upon the day
and year first above written.

                                                  ------------------------
                                                  Stockholder
<PAGE>

                                OPTION AGREEMENT

     THIS AGREEMENT is made and entered into on this 30th day of September, 1996
by and between American  Physicians  Service Group,  Inc.  ("APS"),  a Delaware
corporation, and Gary Cotten, an individual ("Stockholder").

IT IS AGREED BY AND BETWEEN THE PARTIES AS FOLLOWS:

     1. Identification of Exsorbet Industries. Inc. Exsorbet Industries, Inc. is
an Idaho corporation, having its principal place of business in Jackson, 
Mississippi. The only class of common stock of Exsorbet Industries, Inc. trades 
on the Nasdaq Stock Market, Inc. SmallCap Market under the symbol "EXSO". As 
used herein, the term "Exsorbet" shall refer to Exsorbet Industries, Inc. and 
its successors.

     2. Disclosures. Stockholder has disclosed to APS that Exsorbet, through its
Board of Directors, has proposed merger into a Delaware corporation, whereby tne
Delaware corporation would be the surviving  corporation,  and changing the name
of Exsorbet to Consolidated EcoSysterns, Inc. The term "Exsorbet" shall refer to
such  surviving or successor  corporation  in the event that such merger  and/or
name change is approved.

     3. Representations. Stocknolder has made no representadons to APS 
concerning the financial condition of Exsorbet and its subsidiaries. Stockholder
has made no representations or warranties concerning the future value of 
Exsorbet stock, future earnings of Exsorbet, or any other representations
concerning Exsorbet, except as are identified herein.

     4. Stock Ownership. Stockholder is the owner of -0- shares of common 
stock of Exsorbet,  such shares  having  been  issued  pursuant to Rule 144 of 
the United States Securities and Exchange  Commission  ("Rule 144"). Such shares
of common stock are subject to the  provisions  of Rule 144 and all  applicable
state and federal  securities  regulations and statutes.  Stockholder will not 
transfer or assign any of such stock until expiration of this option agreement.

     5. Option  Agreements.  Stockholder  possesses  a present  right to acquire
100,000 shares of common  stock of Exsorbet  pursuant to an option  agreement or
agreements,  copies of which are attached hereto. Stockholder will not transfer,
extinguish or assign any of such options or rights  thereunder  until expiration
of this option agreement.

     6.  Option  Grant to APS.  For a period of sixty days after  September  30,
1996, Stockholder grants to APS an exclusive right to acquire -0- shares of
common stock of  Exsorbet, representing a portion  of  those  shares  identified
in paragraph 4, above. The acquisition price shall be $2.75 per share.

     7.  Additional  Option  Grant to APS.  For a period  of  sixty  days  after
September  30, 1996,  Stockholder  grants to APS an  exclusive  right to acquire
100,000 shares of common stock of Exsorbet,  by exercising such portion of the
options  identified in paragraph 5, above as necessary to acquire such number of
shares. The acquisition price shall be S2.75 per share.
<PAGE>

     8. Exercising of Stock Options.  Stockholder  warrants and covenants with 
APS that he will,  upon  exercising  of the option  specified in paragraph 6 or
7, above, exercise the option  agreements  with  Exsorbet,  acquiring the number
of shares being  ultimately  transferrable to APS. Such option exercise shall 
occur within two  business  days of  notification  by APS that it is  exercising
the  option specified herein.

     9. APS  Agreements.  APS: (A) understands  that the Exsorbet stock has not
been, and will not be,  registered  under the Securities Act, or under any state
securities  laws,  and are being  offered and sold in reliance  upon federal and
state  exemptdons for  transactions  not involving any public  offering;  (B) is
acquiring the Exsorbet  stock for its own account for investment  purposes,  and
not with a view to the  distribution  thereof;  (C) is a sophisticated  investor
with  knowledge  and  experience  in business  and  financial  matters,  (D) has
received or will receive certain information concerning Exsorbet and has had the
opportunity to obtain additional information as desired in order to evaluate the
merits and the risks inherent in holding the Exsorbet stock; (E) is able to bear
the economic risk and lack of liquidity  inherent in holding the Exsorbet stock;
and (F) is an  Accredited  Investor,  as defined  in  Regulation  D  promulgated
pursuant to the Secunties Act of 1933, as amended.

     10. Paragraph Headinys. Paragraph Headings, being the underlined portion at
the beginning of each section, are intended for assistance only and shall not 
alter, modify, amend, or change the meanings of the written paragraphs.

     11.  Construction.  This Agreement shall be liberally construed in favor of
granting an exclusive  option upon the terms  specified  herein.  In furtherance
thereof,  this  Agreement  shall be  construed in  accordance  with the laws and
statutes of the State of Texas, being the principal place of business of APS.

     12. Advice to Seek Legal Counsel.  Stockholder  has sought and obtained the
advice of counsel prior to entering this Agreement or has been strongly  advised
to obtain legal counsel  concerning the advisability of entering this Agreement.
In entering  this  Agreement,  Stockholder  is not relying upon any  statements,
representations,  or opinions of: (a) any attomeys or counsel for or of Exsorbet
or APS; (b) any representatives,  agents,  officers,  employees, or directors of
Exsorbet  Industries,  Inc., its  subsidiaries,  or APS; or (c) any person other
than his retained legal attorney.

     13. Notices. Notices to Stockholder shall be delivered to: Gary Cotten, 
2406 Oakhurst, Ada, OK 74820.

     Notices to APS shall be  delivered  to:  Duane Boyd,  Jr.,  1301 Capital of
Texas Highway, Suite C-300, Austin, TX 78746.

     All notices  shall be  delivered  by  certified  mail with a retum  receipt
requested,  by ovemight courier, or by facsimile.  All notices shall be complete
upon delivery.

     14. Cooperation. Stockholder agrees to fully cooperate with APS in the 
event that APS elects to exercise any rights under this Agreement. Stockholder 
shall take no action which would obstruct the ability of APS to exercise its 
rights under this Agreement.
<PAGE>

     15. Procedure for Exercising Option. APS may exercise its rights under this
Agreement by giving written notice to the Sharebolder in the manner specified in
paragraph  13,  above.  Such  written  notice  shall be in any  reasonable  form
sufficient to notify  Stockholder of the  exercising of the option. Full payment
shall be due upon the  delivery  of any or all shares from  Stockholder  to APS.
Upon exercising of any options,  Stockholder  shall arrange for: (i) delivery of
existing  shares,  if any, to APS within five business days;  (ii) exercising of
any stock options with Exsorbet  within two business days; and (iii) delivery of
stock  certificates  obtained  upon exercise of stock ophons within two business
days of receipt of such stock certificates.

     16. Severability. In the event that any section or paragraph contained 
herein shall be invalid, unlawful, or unenforceable, the remainder shall be 
severable, valid, and effective as if such invalid, unlawful, or unenforceable
section or paragraph were not contained herein.

     17. Consideration. In consideration of the Agreements contained herein, APS
is providing the sum of One Hundred Dollars (S 100.00) to Stockholder. 
Stockholder accepts such amount as full and complete consideration for this 
Agreement.

     18. Complete Agreement. This Agreement is the full and complete agreement 
between the parties. There are no agreements or understandings between the 
parties which are not contained herein.

    19. Adjustments in Option. In the event that the common stock of Exsorbet is
changed into or exchanged  for a different  number or kind of shares of Exsorbet
or  other  securides  by  reason  of  merger, consolidation,  recapitalization,
reclassification, stock split, stock dividend or combination of shares, the 
option granted to APS herein shall be subject to an appropriate and equitable 
adjustment in the number and kind of shares as to which the  option,  or  
portions  thereof then  unexercised,  shall be  exercisable,  to the end that 
after such event the proportionate interest of APS shall be maintained as before
the occurrence of such event. Such adjustment in the option shall be made 
without change in the total price applicable to the unexercised portion of the 
option.

     20. APS Party Appointed  Attorney-in-Fact.  Stockholder  hereby irrevocably
appoints APS as  attorney-in-fact of  Stockholder  (such power of attomey  being
coupled  with an  interest),  with  full  authority  in the  place and stead of
Stockholder and in the name of Stockholder,  APS or otherwise, from time to time
on APS' discretion and upon the  occurrence of any default by Stockholder of any
of  Stockholder's  obligations  hereunder, to take any action and to execute any
instrument  which APS may deem necessary or advisable to accomplish the purposes
of this Agreement, including without limitation to assign and transfer the stock
which is the subject of this  Agreement to APS, or any part thereof,  absolutely
and to execute and deliver endorsements, assignments, conveyances, bills of sale
and other instruments with power to substitute one or more persons or 
corporation with like power.

     21. Binding Effect. This Option Agreement shall inure to the benefit of, 
and be  binding upon the parties hereto and  their  respective  heirs,  personal
representatives,  successors and permitted  assigns.  Stockholder may not assign
its rights or obligations hereunder without the prior express written consent of
APS in each instance.
<PAGE>

     IN WITNESS WHEREOF,  the parties have executed this  Agreement upon the day
and year first above written.

                                                  ------------------------
                                                  Stockholder
<PAGE>
                               
                                OPTION AGREEMENT

     THIS AGREEMENT is made and entered into on this 30th day of September, 1996
by and between American  Physicians  Service Group,  Inc.  ("APS"),  a Delaware
corporation, and James J. Conners, an individual ("Stockholder").

IT IS AGREED BY AND BETWEEN THE PARTIES AS FOLLOWS:

     1. Identification of Exsorbet Industries. Inc. Exsorbet Industries, Inc. is
an Idaho corporation, having its principal place of business in Jackson, 
Mississippi. The only class of common stock of Exsorbet Industries, Inc. trades 
on the Nasdaq Stock Market, Inc. SmallCap Market under the symbol "EXSO". As 
used herein, the term "Exsorbet" shall refer to Exsorbet Industries, Inc. and 
its successors.

     2. Disclosures. Stockholder has disclosed to APS that Exsorbet, through its
Board of Directors, has proposed merger into a Delaware corporation, whereby tne
Delaware corporation would be the surviving  corporation,  and changing the name
of Exsorbet to Consolidated EcoSysterns, Inc. The term "Exsorbet" shall refer to
such  surviving or successor  corporation  in the event that such merger  and/or
name change is approved.

     3. Representations. Stocknolder has made no representadons to APS 
concerning the financial condition of Exsorbet and its subsidiaries. Stockholder
has made no representations or warranties concerning the future value of 
Exsorbet stock, future earnings of Exsorbet, or any other representations
concerning Exsorbet, except as are identified herein.

     4. Stock Ownership. Stockholder is the owner of 120,000 shares of common 
stock of Exsorbet,  such shares  having  been  issued  pursuant to Rule 144 of 
the United States Securities and Exchange  Commission  ("Rule 144"). Such shares
of common stock are subject to the  provisions  of Rule 144 and all  applicable
state and federal  securities  regulations and statutes.  Stockholder will not 
transfer or assign any of such stock until expiration of this option agreement.

     5. Option  Agreements.  Stockholder  possesses  a present  right to acquire
125,000 shares of common  stock of Exsorbet  pursuant to an option  agreement or
agreements,  copies of which are attached hereto. Stockholder will not transfer,
extinguish or assign any of such options or rights  thereunder  until expiration
of this option agreement.

     6.  Option  Grant to APS.  For a period of sixty days after  September  30,
1996, Stockholder grants to APS an exclusive right to acquire 120,000 shares of
common stock of  Exsorbet, representing a portion  of  those  shares  identified
in paragraph 4, above. The acquisition price shall be $2.75 per share.

     7.  Additional  Option  Grant to APS.  For a period  of  sixty  days  after
September  30, 1996,  Stockholder  grants to APS an  exclusive  right to acquire
2,500 shares of common stock of Exsorbet,  by exercising such portion of the
options  identified in paragraph 5, above as necessary to acquire such number of
shares. The acquisition price shall be S2.75 per share.
<PAGE>

     8. Exercising of Stock Options.  Stockholder  warrants and covenants with 
APS that he will,  upon  exercising  of the option  specified in paragraph 6 or
7, above, exercise the option  agreements  with  Exsorbet,  acquiring the number
of shares being  ultimately  transferrable to APS. Such option exercise shall 
occur within two  business  days of  notification  by APS that it is  exercising
the  option specified herein.

     9. APS  Agreements.  APS: (A) understands  that the Exsorbet stock has not
been, and will not be,  registered  under the Securities Act, or under any state
securities  laws,  and are being  offered and sold in reliance  upon federal and
state  exemptdons for  transactions  not involving any public  offering;  (B) is
acquiring the Exsorbet  stock for its own account for investment  purposes,  and
not with a view to the  distribution  thereof;  (C) is a sophisticated  investor
with  knowledge  and  experience  in business  and  financial  matters,  (D) has
received or will receive certain information concerning Exsorbet and has had the
opportunity to obtain additional information as desired in order to evaluate the
merits and the risks inherent in holding the Exsorbet stock; (E) is able to bear
the economic risk and lack of liquidity  inherent in holding the Exsorbet stock;
and (F) is an  Accredited  Investor,  as defined  in  Regulation  D  promulgated
pursuant to the Secunties Act of 1933, as amended.

     10. Paragraph Headinys. Paragraph Headings, being the underlined portion at
the beginning of each section, are intended for assistance only and shall not 
alter, modify, amend, or change the meanings of the written paragraphs.

     11.  Construction.  This Agreement shall be liberally construed in favor of
granting an exclusive  option upon the terms  specified  herein.  In furtherance
thereof,  this  Agreement  shall be  construed in  accordance  with the laws and
statutes of the State of Texas, being the principal place of business of APS.

     12. Advice to Seek Legal Counsel.  Stockholder  has sought and obtained the
advice of counsel prior to entering this Agreement or has been strongly  advised
to obtain legal counsel  concerning the advisability of entering this Agreement.
In entering  this  Agreement,  Stockholder  is not relying upon any  statements,
representations,  or opinions of: (a) any attomeys or counsel for or of Exsorbet
or APS; (b) any representatives,  agents,  officers,  employees, or directors of
Exsorbet  Industries,  Inc., its  subsidiaries,  or APS; or (c) any person other
than his retained legal attorney.

     13. Notices. Notices to Stockholder shall be delivered to: 10539 Co. Rd. 1
Fairhope, AL  36532

     Notices to APS shall be  delivered  to:  Duane Boyd,  Jr.,  1301 Capital of
Texas Highway, Suite C-300, Austin, TX 78746.

     All notices  shall be  delivered  by  certified  mail with a retum  receipt
requested,  by ovemight courier, or by facsimile.  All notices shall be complete
upon delivery.

     14. Cooperation. Stockholder agrees to fully cooperate with APS in the 
event that APS elects to exercise any rights under this Agreement. Stockholder 
shall take no action which would obstruct the ability of APS to exercise its 
rights under this Agreement.
<PAGE>

     15. Procedure for Exercising Option. APS may exercise its rights under this
Agreement by giving written notice to the Sharebolder in the manner specified in
paragraph  13,  above.  Such  written  notice  shall be in any  reasonable  form
sufficient to notify  Stockholder of the  exercising of the option. Full payment
shall be due upon the  delivery  of any or all shares from  Stockholder  to APS.
Upon exercising of any options,  Stockholder  shall arrange for: (i) delivery of
existing  shares,  if any, to APS within five business days;  (ii) exercising of
any stock options with Exsorbet  within two business days; and (iii) delivery of
stock  certificates  obtained  upon exercise of stock ophons within two business
days of receipt of such stock certificates.

     16. Severability. In the event that any section or paragraph contained 
herein shall be invalid, unlawful, or unenforceable, the remainder shall be 
severable, valid, and effective as if such invalid, unlawful, or unenforceable
section or paragraph were not contained herein.

     17. Consideration. In consideration of the Agreements contained herein, APS
is providing the sum of One Hundred Dollars (S 100.00) to Stockholder. 
Stockholder accepts such amount as full and complete consideration for this 
Agreement.

     18. Complete Agreement. This Agreement is the full and complete agreement 
between the parties. There are no agreements or understandings between the 
parties which are not contained herein.

    19. Adjustments in Option. In the event that the common stock of Exsorbet is
changed into or exchanged  for a different  number or kind of shares of Exsorbet
or  other  securides  by  reason  of  merger, consolidation,  recapitalization,
reclassification, stock split, stock dividend or combination of shares, the 
option granted to APS herein shall be subject to an appropriate and equitable 
adjustment in the number and kind of shares as to which the  option,  or  
portions  thereof then  unexercised,  shall be  exercisable,  to the end that 
after such event the proportionate interest of APS shall be maintained as before
the occurrence of such event. Such adjustment in the option shall be made 
without change in the total price applicable to the unexercised portion of the 
option.

     20. APS Party Appointed  Attorney-in-Fact.  Stockholder  hereby irrevocably
appoints APS as  attorney-in-fact of  Stockholder  (such power of attomey  being
coupled  with an  interest),  with  full  authority  in the  place and stead of
Stockholder and in the name of Stockholder,  APS or otherwise, from time to time
on APS' discretion and upon the  occurrence of any default by Stockholder of any
of  Stockholder's  obligations  hereunder, to take any action and to execute any
instrument  which APS may deem necessary or advisable to accomplish the purposes
of this Agreement, including without limitation to assign and transfer the stock
which is the subject of this  Agreement to APS, or any part thereof,  absolutely
and to execute and deliver endorsements, assignments, conveyances, bills of sale
and other instruments with power to substitute one or more persons or 
corporation with like power.

     21. Binding Effect. This Option Agreement shall inure to the benefit of, 
and be  binding upon the parties hereto and  their  respective  heirs,  personal
representatives,  successors and permitted  assigns.  Stockholder may not assign
its rights or obligations hereunder without the prior express written consent of
APS in each instance.
<PAGE>

     IN WITNESS WHEREOF,  the parties have executed this  Agreement upon the day
and year first above written.

                                                  ------------------------
                                                  Stockholder
<PAGE>
                               

                                OPTION AGREEMENT

     THIS AGREEMENT is made and entered into on this 30th day of September, 1996
by and between American  Physicians  Service Group,  Inc.  ("APS"),  a Delaware
corporation, and Robert Vick, an individual ("Stockholder").

IT IS AGREED BY AND BETWEEN THE PARTIES AS FOLLOWS:

     1. Identification of Exsorbet Industries. Inc. Exsorbet Industries, Inc. is
an Idaho corporation, having its principal place of business in Jackson, 
Mississippi. The only class of common stock of Exsorbet Industries, Inc. trades 
on the Nasdaq Stock Market, Inc. SmallCap Market under the symbol "EXSO". As 
used herein, the term "Exsorbet" shall refer to Exsorbet Industries, Inc. and 
its successors.

     2. Disclosures. Stockholder has disclosed to APS that Exsorbet, through its
Board of Directors, has proposed merger into a Delaware corporation, whereby tne
Delaware corporation would be the surviving  corporation,  and changing the name
of Exsorbet to Consolidated EcoSysterns, Inc. The term "Exsorbet" shall refer to
such  surviving or successor  corporation  in the event that such merger  and/or
name change is approved.

     3. Representations. Stocknolder has made no representadons to APS 
concerning the financial condition of Exsorbet and its subsidiaries. Stockholder
has made no representations or warranties concerning the future value of 
Exsorbet stock, future earnings of Exsorbet, or any other representations
concerning Exsorbet, except as are identified herein.

     4. Stock Ownership. Stockholder is the owner of 120,000 shares of common 
stock of Exsorbet,  such shares  having  been  issued  pursuant to Rule 144 of 
the United States Securities and Exchange  Commission  ("Rule 144"). Such shares
of common stock are subject to the  provisions  of Rule 144 and all  applicable
state and federal  securities  regulations and statutes.  Stockholder will not 
transfer or assign any of such stock until expiration of this option agreement.

     5. Option  Agreements.  Stockholder  possesses  a present  right to acquire
125,000 shares of common  stock of Exsorbet  pursuant to an option  agreement or
agreements,  copies of which are attached hereto. Stockholder will not transfer,
extinguish or assign any of such options or rights  thereunder  until expiration
of this option agreement.

     6.  Option  Grant to APS.  For a period of sixty days after  September  30,
1996, Stockholder grants to APS an exclusive right to acquire 120,000 shares of
common stock of  Exsorbet, representing a portion  of  those  shares  identified
in paragraph 4, above. The acquisition price shall be $2.75 per share.

     7.  Additional  Option  Grant to APS.  For a period  of  sixty  days  after
September  30, 1996,  Stockholder  grants to APS an  exclusive  right to acquire
2,500 shares of common stock of Exsorbet,  by exercising such portion of the
options  identified in paragraph 5, above as necessary to acquire such number of
shares. The acquisition price shall be S2.75 per share.
<PAGE>

     8. Exercising of Stock Options.  Stockholder  warrants and covenants with 
APS that he will,  upon  exercising  of the option  specified in paragraph 6 or
7, above, exercise the option  agreements  with  Exsorbet,  acquiring the number
of shares being  ultimately  transferrable to APS. Such option exercise shall 
occur within two  business  days of  notification  by APS that it is  exercising
the  option specified herein.

     9. APS  Agreements.  APS: (A) understands  that the Exsorbet stock has not
been, and will not be,  registered  under the Securities Act, or under any state
securities  laws,  and are being  offered and sold in reliance  upon federal and
state  exemptdons for  transactions  not involving any public  offering;  (B) is
acquiring the Exsorbet  stock for its own account for investment  purposes,  and
not with a view to the  distribution  thereof;  (C) is a sophisticated  investor
with  knowledge  and  experience  in business  and  financial  matters,  (D) has
received or will receive certain information concerning Exsorbet and has had the
opportunity to obtain additional information as desired in order to evaluate the
merits and the risks inherent in holding the Exsorbet stock; (E) is able to bear
the economic risk and lack of liquidity  inherent in holding the Exsorbet stock;
and (F) is an  Accredited  Investor,  as defined  in  Regulation  D  promulgated
pursuant to the Secunties Act of 1933, as amended.

     10. Paragraph Headinys. Paragraph Headings, being the underlined portion at
the beginning of each section, are intended for assistance only and shall not 
alter, modify, amend, or change the meanings of the written paragraphs.

     11.  Construction.  This Agreement shall be liberally construed in favor of
granting an exclusive  option upon the terms  specified  herein.  In furtherance
thereof,  this  Agreement  shall be  construed in  accordance  with the laws and
statutes of the State of Texas, being the principal place of business of APS.

     12. Advice to Seek Legal Counsel.  Stockholder  has sought and obtained the
advice of counsel prior to entering this Agreement or has been strongly  advised
to obtain legal counsel  concerning the advisability of entering this Agreement.
In entering  this  Agreement,  Stockholder  is not relying upon any  statements,
representations,  or opinions of: (a) any attomeys or counsel for or of Exsorbet
or APS; (b) any representatives,  agents,  officers,  employees, or directors of
Exsorbet  Industries,  Inc., its  subsidiaries,  or APS; or (c) any person other
than his retained legal attorney.

     13. Notices. Notices to Stockholder shall be delivered to: _____________

     Notices to APS shall be  delivered  to:  Duane Boyd,  Jr.,  1301 Capital of
Texas Highway, Suite C-300, Austin, TX 78746.

     All notices  shall be  delivered  by  certified  mail with a retum  receipt
requested,  by ovemight courier, or by facsimile.  All notices shall be complete
upon delivery.

     14. Cooperation. Stockholder agrees to fully cooperate with APS in the 
event that APS elects to exercise any rights under this Agreement. Stockholder 
shall take no action which would obstruct the ability of APS to exercise its 
rights under this Agreement.
<PAGE>

     15. Procedure for Exercising Option. APS may exercise its rights under this
Agreement by giving written notice to the Sharebolder in the manner specified in
paragraph  13,  above.  Such  written  notice  shall be in any  reasonable  form
sufficient to notify  Stockholder of the  exercising of the option. Full payment
shall be due upon the  delivery  of any or all shares from  Stockholder  to APS.
Upon exercising of any options,  Stockholder  shall arrange for: (i) delivery of
existing  shares,  if any, to APS within five business days;  (ii) exercising of
any stock options with Exsorbet  within two business days; and (iii) delivery of
stock  certificates  obtained  upon exercise of stock ophons within two business
days of receipt of such stock certificates.

     16. Severability. In the event that any section or paragraph contained 
herein shall be invalid, unlawful, or unenforceable, the remainder shall be 
severable, valid, and effective as if such invalid, unlawful, or unenforceable
section or paragraph were not contained herein.

     17. Consideration. In consideration of the Agreements contained herein, APS
is providing the sum of One Hundred Dollars (S 100.00) to Stockholder. 
Stockholder accepts such amount as full and complete consideration for this 
Agreement.

     18. Complete Agreement. This Agreement is the full and complete agreement 
between the parties. There are no agreements or understandings between the 
parties which are not contained herein.

    19. Adjustments in Option. In the event that the common stock of Exsorbet is
changed into or exchanged  for a different  number or kind of shares of Exsorbet
or  other  securides  by  reason  of  merger, consolidation,  recapitalization,
reclassification, stock split, stock dividend or combination of shares, the 
option granted to APS herein shall be subject to an appropriate and equitable 
adjustment in the number and kind of shares as to which the  option,  or  
portions  thereof then  unexercised,  shall be  exercisable,  to the end that 
after such event the proportionate interest of APS shall be maintained as before
the occurrence of such event. Such adjustment in the option shall be made 
without change in the total price applicable to the unexercised portion of the 
option.

     20. APS Party Appointed  Attorney-in-Fact.  Stockholder  hereby irrevocably
appoints APS as  attorney-in-fact of  Stockholder  (such power of attomey  being
coupled  with an  interest),  with  full  authority  in the  place and stead of
Stockholder and in the name of Stockholder,  APS or otherwise, from time to time
on APS' discretion and upon the  occurrence of any default by Stockholder of any
of  Stockholder's  obligations  hereunder, to take any action and to execute any
instrument  which APS may deem necessary or advisable to accomplish the purposes
of this Agreement, including without limitation to assign and transfer the stock
which is the subject of this  Agreement to APS, or any part thereof,  absolutely
and to execute and deliver endorsements, assignments, conveyances, bills of sale
and other instruments with power to substitute one or more persons or 
corporation with like power.

     21. Binding Effect. This Option Agreement shall inure to the benefit of, 
and be  binding upon the parties hereto and  their  respective  heirs,  personal
representatives,  successors and permitted  assigns.  Stockholder may not assign
its rights or obligations hereunder without the prior express written consent of
APS in each instance.
<PAGE>

     IN WITNESS WHEREOF,  the parties have executed this  Agreement upon the day
and year first above written.

                                                  ------------------------
                                                  Stockholder
<PAGE>
                               

                                OPTION AGREEMENT

     THIS AGREEMENT is made and entered into on this 30th day of September, 1996
by and between American  Physicians  Service Group,  Inc.  ("APS"),  a Delaware
corporation, and Sam Sexton III, an individual ("Stockholder").

IT IS AGREED BY AND BETWEEN THE PARTIES AS FOLLOWS:

     1. Identification of Exsorbet Industries. Inc. Exsorbet Industries, Inc. is
an Idaho corporation, having its principal place of business in Jackson, 
Mississippi. The only class of common stock of Exsorbet Industries, Inc. trades 
on the Nasdaq Stock Market, Inc. SmallCap Market under the symbol "EXSO". As 
used herein, the term "Exsorbet" shall refer to Exsorbet Industries, Inc. and 
its successors.

     2. Disclosures. Stockholder has disclosed to APS that Exsorbet, through its
Board of Directors, has proposed merger into a Delaware corporation, whereby tne
Delaware corporation would be the surviving  corporation,  and changing the name
of Exsorbet to Consolidated EcoSysterns, Inc. The term "Exsorbet" shall refer to
such  surviving or successor  corporation  in the event that such merger  and/or
name change is approved.

     3. Representations. Stocknolder has made no representadons to APS 
concerning the financial condition of Exsorbet and its subsidiaries. Stockholder
has made no representations or warranties concerning the future value of 
Exsorbet stock, future earnings of Exsorbet, or any other representations
concerning Exsorbet, except as are identified herein.

     4. Stock Ownership. Stocknolder is the owner of 5,000 shares of common 
stock of Exsorbet,  such shares  having  been  issued  pursuant to Rule 144 of 
the United States Securities and Exchange  Commission  ("Rule 144"). Such shares
of common stock are subject to the  provisions  of Rule 144 and all  applicable
state and federal  securities  regulations and statutes.  Stockholder will not 
transfer or assign any of such stock until expiration of this option agreement.

     5. Option  Agreements.  Stockholder  possesses  a present  right to acquire
295,000 shares of common  stock of Exsorbet  pursuant to an option  agreement or
agreements,  copies of which are attached hereto. Stockholder will not transfer,
extinguish or assign any of such options or rights  thereunder  until expiration
of this option agreement.

     6.  Option  Grant to APS.  For a period of sixty days after  September  30,
1996, Stockholder grants to APS an exclusive right to acquire -0- shares of
common stock of  Exsorbet, representing a portion  of  those  shares  identified
in paragraph 4, above. The acquisition price shall be $2.75 per share.

     7.  Additional  Option  Grant to APS.  For a period  of  sixty  days  after
September  30, 1996,  Stockholder  grants to APS an  exclusive  right to acquire
200,000 shares of common stock of Exsorbet,  by exercising such portion of the
options  identified in paragraph 5, above as necessary to acquire such number of
shares. The acquisition price shall be S2.75 per share.
<PAGE>

     8. Exercising of Stock Options.  Stockholder  warrants and covenants with 
APS that he will,  upon  exercising  of the option  specified in paragraph 6 or
7, above, exercise the option  agreements  with  Exsorbet,  acquiring the number
of shares being  ultimately  transferrable to APS. Such option exercise shall 
occur within two  business  days of  notification  by APS that it is  exercising
the  option specified herein.

     9. APS  Agreements.  APS: (A) understands  that the Exsorbet stock has not
been, and will not be,  registered  under the Securities Act, or under any state
securities  laws,  and are being  offered and sold in reliance  upon federal and
state  exemptdons for  transactions  not involving any public  offering;  (B) is
acquiring the Exsorbet  stock for its own account for investment  purposes,  and
not with a view to the  distribution  thereof;  (C) is a sophisticated  investor
with  knowledge  and  experience  in business  and  financial  matters,  (D) has
received or will receive certain information concerning Exsorbet and has had the
opportunity to obtain additional information as desired in order to evaluate the
merits and the risks inherent in holding the Exsorbet stock; (E) is able to bear
the economic risk and lack of liquidity  inherent in holding the Exsorbet stock;
and (F) is an  Accredited  Investor,  as defined  in  Regulation  D  promulgated
pursuant to the Secunties Act of 1933, as amended.

     10. Paragraph Headings. Paragraph Headings, being the underlined portion at
the beginning of each section, are intended for assistance only and shall not 
alter, modify, amend, or change the meanings of the written paragraphs.

     11.  Construction.  This Agreement shall be liberally construed in favor of
granting an exclusive  option upon the terms  specified  herein.  In furtherance
thereof,  this  Agreement  shall be  construed in  accordance  with the laws and
statutes of the State of Texas, being the principal place of business of APS.

     12. Advice to Seek Legal Counsel.  Stockholder  has sought and obtained the
advice of counsel prior to entering this Agreement or has been strongly  advised
to obtain legal counsel  concerning the advisability of entering this Agreement.
In entering  this  Agreement,  Stockholder  is not relying upon any  statements,
representations,  or opinions of: (a) any attomeys or counsel for or of Exsorbet
or APS; (b) any representatives,  agents,  officers,  employees, or directors of
Exsorbet  Industries,  Inc., its  subsidiaries,  or APS; or (c) any person other
than his retained legal attorney.

     13. Notices. Notices to Stockholder shall be delivered to: 1401 S. Waldron
#201, Fort Smith, Ark.  72903

     Notices to APS shall be  delivered  to:  Duane Boyd,  Jr.,  1301 Capital of
Texas Highway, Suite C-300, Austin, TX 78746.

     All notices  shall be  delivered  by  certified  mail with a retum  receipt
requested,  by ovemight courier, or by facsimile.  All notices shall be complete
upon delivery.

     14. Cooperation. Stockholder agrees to fully cooperate with APS in the 
event that APS elects to exercise any rights under this Agreement. Stockholder 
shall take no action which would obstruct the ability of APS to exercise its 
rights under this Agreement.
<PAGE>

     15. Procedure for Exercising Option. APS may exercise its rights under this
Agreement by giving written notice to the Sharebolder in the manner specified in
paragraph  13,  above.  Such  written  notice  shall be in any  reasonable  form
sufficient to notify  Stockholder of the  exercising of the option. Full payment
shall be due upon the  delivery  of any or all shares from  Stockholder  to APS.
Upon exercising of any options,  Stockholder  shall arrange for: (i) delivery of
existing  shares,  if any, to APS within five business days;  (ii) exercising of
any stock options with Exsorbet  within two business days; and (iii) delivery of
stock  certificates  obtained  upon exercise of stock ophons within two business
days of receipt of such stock certificates.

     16. Severability. In the event that any secdon or paragraph contained 
herein shall be invalid, unlawful, or unenforceable, the remainder shall be 
severable, valid, and effective as if such invalid, unlawful, or unenforceable
section or paragraph were not contained herein.

     17. Consideration. In consideration of the Agreements contained herein, APS
is providing the sum of One Hundred Dollars (S 100.00) to Stockholder. 
Stockholder accepts such amount as full and complete consideration for this 
Agreement.

     18. Complete Agreement. This Agreement is the full and complete agreement 
between the parties. There are no agreements or understandings between the 
parties which are not contained herein.

    19. Adjustments in Option. In the event that the common stock of Exsorbet is
changed into or exchanged  for a different  number or kind of shares of Exsorbet
or  other  securides  by  reason  of  merger, consolidation,  recapitalization,
reclassification, stock split, stock dividend or combination of shares, the 
option granted to APS herein shall be subject to an appropriate and equitable 
adjustment in the number and kind of shares as to which the  option,  or  
portions  thereof then  unexercised,  shall be  exercisable,  to the end that 
after such event the proportionate interest of APS shall be maintained as before
the occurrence of such event. Such adjustment in the option shall be made 
without change in the total price applicable to the unexercised portion of the 
option.

     20. APS Party Appointed  Attorney-in-Fact.  Stockholder  hereby irrevocably
appoints APS as  attorney-in-fact of  Stockholder  (such power of attomey  being
coupled  with an  interest),  with  full  authority  in the  place and stead of
Stockholder and in the name of Stockholder,  APS or otherwise, from time to time
on APS' discretion and upon the  occurrence of any default by Stockholder of any
of  Stockholder's  obligations  hereunder, to take any action and to execute any
instrument  which APS may deem necessary or advisable to accomplish the purposes
of this Agreement, including without limitation to assign and transfer the stock
which is the subject of this  Agreement to APS, or any part thereof,  absolutely
and to execute and deliver endorsements, assignments, conveyances, bills of sale
and other instruments with power to substitute one or more persons or 
corporation with like power.

     21. Binding Effect. This Option Agreement shall inure to the benefit of, 
and be  binding upon the parties hereto and  their  respective  heirs,  personal
representatives,  successors and permitted  assigns.  Stockholder may not assign
its rights or obligations hereunder without the prior express written consent of
APS in each instance.
<PAGE>

     IN WITNESS WHEREOF,  the parties have executed this  Agreement upon the day
and year first above written.

                                                  ------------------------
                                                  Stockholder
<PAGE>
                               

                                OPTION AGREEMENT

     THIS AGREEMENT is made and entered into on this 30th day of September, 1996
by and between American  Physicians  Service Group,  Inc.  ("APS"),  a Delaware
corporation, and Charles E. Chunn, Jr., an individual ("Stockholder").

IT IS AGREED BY AND BETWEEN THE PARTIES AS FOLLOWS:

     1. Identification of Exsorbet Industries. Inc. Exsorbet Industries, Inc. is
an Idaho corporation, having its principal place of business in Jackson, 
Mississippi. The only class of common stock of Exsorbet Industries, Inc. trades 
on the Nasdaq Stock Market, Inc. SmallCap Market under the symbol "EXSO". As 
used herein, the term "Exsorbet" shall refer to Exsorbet Industries, Inc. and 
its successors.

     2. Disclosures. Stockholder has disclosed to APS that Exsorbet, through its
Board of Directors, has proposed merger into a Delaware corporation, whereby tne
Delaware corporation would be the surviving  corporation,  and changing the name
of Exsorbet to Consolidated EcoSysterns, Inc. The term "Exsorbet" shall refer to
such  surviving or successor  corporation  in the event that such merger  and/or
name change is approved.

     3. Representations. Stocknolder has made no representadons to APS 
concerning the financial condition of Exsorbet and its subsidiaries. Stockholder
has made no representations or warranties concerning the future value of 
Exsorbet stock, future earnings of Exsorbet, or any other representations
concerning Exsorbet, except as are identified herein.

     4. Stock Ownership. Stockholder is the owner of 85,000 shares of common 
stock of Exsorbet,  such shares  having  been  issued  pursuant to Rule 144 of 
the United States Securities and Exchange  Commission  ("Rule 144"). Such shares
of common stock are subject to the  provisions  of Rule 144 and all  applicable
state and federal  securities  regulations and statutes.  Stockholder will not 
transfer or assign any of such stock until expiration of this option agreement.

     5. Option  Agreements.  Stockholder  possesses  a present  right to acquire
275,000 shares of common  stock of Exsorbet  pursuant to an option  agreement or
agreements,  copies of which are attached hereto. Stockholder will not transfer,
extinguish or assign any of such options or rights  thereunder  until expiration
of this option agreement.

     6.  Option  Grant to APS.  For a period of sixty days after  September  30,
1996, Stockholder grants to APS an exclusive right to acquire -0- shares of
common stock of  Exsorbet, representing a portion  of  those  shares  identified
in paragraph 4, above. The acquisition price shall be $2.75 per share.

     7.  Additional  Option  Grant to APS.  For a period  of  sixty  days  after
September  30, 1996,  Stockholder  grants to APS an  exclusive  right to acquire
180,000 shares of common stock of Exsorbet,  by exercising such portion of the
options  identified in paragraph 5, above as necessary to acquire such number of
shares. The acquisition price shall be S2.75 per share.
<PAGE>

     8. Exercising of Stock Options.  Stockholder  warrants and covenants with 
APS that he will,  upon  exercising  of the option  specified in paragraph 6 or
7, above, exercise the option  agreements  with  Exsorbet,  acquiring the number
of shares being  ultimately  transferrable to APS. Such option exercise shall 
occur within two  business  days of  not)fication  by APS that it is  exercising
the  option specified herein.

     9. APS  Agreements.  APS: (A) understands  that the Exsorbet stock has not
been, and will not be,  registered  under the Securities Act, or under any state
securities  laws,  and are being  offered and sold in reliance  upon federal and
state  exemptdons for  transactions  not involving any public  offering;  (B) is
acquiring the Exsorbet  stock for its own account for investment  purposes,  and
not with a view to the  distribution  thereof;  (C) is a sophisticated  investor
with  knowledge  and  experience  in business  and  financial  matters,  (D) has
received or will receive certain information concerning Exsorbet and has had the
opportunity to obtain additional information as desired in order to evaluate the
merits and the risks inherent in holding the Exsorbet stock; (E) is able to bear
the economic risk and lack of liquidity  inherent in holding the Exsorbet stock;
and (F) is an  Accredited  Investor,  as defined  in  Regulation  D  promulgated
pursuant to the Secunties Act of 1933, as amended.

     10. Paragraph Headings. Paragraph Headings, being the underlined portion at
the beginning of each section, are intended for assistance only and shall not 
alter, modify, amend, or change the meanings of the written paragraphs.

     11.  Construction.  This Agreement shall be liberally construed in favor of
granting an exclusive  option upon the terms  specified  herein.  In furtherance
thereof,  this  Agreement  shall be  construed in  accordance  with the laws and
statutes of the State of Texas, being the principal place of business of APS.

     12. Advice to Seek Legal Counsel.  Stockholder  has sought and obtained the
advice of counsel prior to entering this Agreement or has been strongly  advised
to obtain legal counsel  concerning the advisability of entering this Agreement.
In entering  this  Agreement,  Stockholder  is not relying upon any  statements,
representations,  or opinions of: (a) any attomeys or counsel for or of Exsorbet
or APS; (b) any representatives,  agents,  officers,  employees, or directors of
Exsorbet  Industries,  Inc., its  subsidiaries,  or APS; or (c) any person other
than his retained legal attorney.

     13. Notices. Notices to Stockholder shall be delivered to: ______________

     Notices to APS shall be  delivered  to:  Duane Boyd,  Jr.,  1301 Capital of
Texas Highway, Suite C-300, Austin, TX 78746.

     All notices  shall be  delivered  by  certified  mail with a retum  receipt
requested,  by ovemight courier, or by facsimile.  All notices shall be complete
upon delivery.

     14. Cooperation. Stockholder agrees to fully cooperate with APS in the 
event that APS elects to exercise any rights under this Agreement. Stockholder 
shall take no action which would obstruct the ability of APS to exercise its 
rights under this Agreement.
<PAGE>

     15. Procedure for Exercising Option. APS may exercise its rights under this
Agreement by giving written notice to the Sharebolder in the manner specified in
paragraph  13,  above.  Such  written  notice  shall be in any  reasonable  form
sufficient to notify  Stockholder of the  exercising of the option. Full payment
shall be due upon the  delivery  of any or all shares from  Stockholder  to APS.
Upon exercising of any options,  Stockholder  shall arrange for: (i) delivery of
existing  shares,  if any, to APS within five business days;  (ii) exercising of
any stock options with Exsorbet  within two business days; and (iii) delivery of
stock  certificates  obtained  upon exercise of stock ophons within two business
days of receipt of such stock certificates.

     16. Severability. In the event that any secdon or paragraph contained 
herein shall be invalid, unlawful, or unenforceable, the remainder shall be 
severable, valid, and effective as if such invalid, unlawful, or unenforceable
section or paragraph were not contained herein.

     17. Consideration. In consideration of the Agreements contained herein, APS
is providing the sum of One Hundred Dollars (S 100.00) to Stockholder. 
Stockholder accepts such amount as full and complete consideration for this 
Agreement.

     18. Complete Agreement. This Agreement is the full and complete agreement 
between the parties. There are no agreements or understandings between the 
parties which are not contained herein.

    19. Adjustments in Option. In the event that the common stock of Exsorbet is
changed into or exchanged  for a different  number or kind of shares of Exsorbet
or  other  securides  by  reason  of  merger, consolidation,  recapitalization,
reclassification, stock split, stock dividend or combination of shares, the 
option granted to APS herein shall be subject to an appropriate and equitable 
adjustment in the number and kind of shares as to which the  option,  or  
portions  thereof then  unexercised,  shall be  exercisable,  to the end that 
after such event the proportionate interest of APS shall be maintained as before
the occurrence of such event. Such adjustment in the option shall be made 
without change in the total price applicable to the unexercised portion of the 
option.

     20. APS Party Appointed  Attorney-in-Fact.  Stockholder  hereby irrevocably
appoints APS as  attorney-in-fact of  Stockholder  (such power of attomey  being
coupled  with an  interest),  with  full  authority  in the  place and stead of
Stockholder and in the name of Stockholder,  APS or otherwise, from time to time
on APS' discretion and upon the  occurrence of any default by Stockholder of any
of  Stockholder's  obligations  hereunder, to take any action and to execute any
instrument  which APS may deem necessary or advisable to accomplish the purposes
of this Agreement, including without limitation to assign and transfer the stock
which is the subject of this  Agreement to APS, or any part thereof,  absolutely
and to execute and deliver endorsements, assignments, conveyances, bills of sale
and other instruments with power to substitute one or more persons or 
corporation with like power.

     21. Binding Effect. This Option Agreement shall inure to the benefit of, 
and be  binding upon the parties hereto and  their  respective  heirs,  personal
representatives,  successors and permitted  assigns.  Stockholder may not assign
its rights or obligations hereunder without the prior express written consent of
APS in each instance.
<PAGE>

     IN WITNESS WHEREOF,  the parties have executed this  Agreement upon the day
and year first above written.

                                                  ------------------------
                                                  Stockholder
<PAGE>
                               

                                OPTION AGREEMENT

     THIS AGREEMENT is made and entered into on this 30th day of September, 1996
by and between American  Physicians  Service Group,  Inc.  ("APS"),  a Delaware
corporation, and Larry Woodcock and Marilyn Woodcock, individuals 
("Stockholder").

IT IS AGREED BY AND BETWEEN THE PARTIES AS FOLLOWS:

     1. Identification of Exsorbet Industries. Inc. Exsorbet Industries, Inc. is
an Idaho corporation, having its principal place of business in Jackson, 
Mississippi. The only class of common stock of Exsorbet Industries, Inc. trades 
on the Nasdaq Stock Market, Inc. SmallCap Market under the symbol "EXSO". As 
used herein, the term "Exsorbet" shall refer to Exsorbet Industries, Inc. and 
its successors.

     2. Disclosures. Stockholder has disclosed to APS that Exsorbet, through its
Board of Directors, has proposed merger into a Delaware corporation, whereby tne
Delaware corporation would be the surviving  corporation,  and changing the name
of Exsorbet to Consolidated EcoSysterns, Inc. The term "Exsorbet" shall refer to
such  surviving or successor  corporation  in the event that such merger  and/or
name change is approved.

     3. Representations. Stocknolder has made no representadons to APS 
concerning the financial condition of Exsorbet and its subsidiaries. Stockholder
has made no representations or warranties concerning the future value of 
Exsorbet stock, future earnings of Exsorbet, or any other representations
concerning Exsorbet, except as are identified herein.

     4. Stock Ownership. Stockholder is the owner of 1,152,021 shares of common 
stock of Exsorbet,  such shares  having  been  issued  pursuant to Rule 144 of 
the United States Securities and Exchange  Commission  ("Rule 144"). Such shares
of common stock are subject to the  provisions  of Rule 144 and all  applicable
state and federal  securities  regulations and statutes.  Stockholder will not 
transfer or assign any of such stock until expiration of this option agreement.

     5. Option  Agreements.  Stockholder  possesses  a present  right to acquire
200,000 shares of common  stock of Exsorbet  pursuant to an option  agreement or
agreements,  copies of which are attached hereto. Stockholder will not transfer,
extinguish or assign any of such options or rights  thereunder  until expiration
of this option agreement.

     6.  Option  Grant to APS.  For a period of sixty days after  September  30,
1996, Stockholder grants to APS an exclusive right to acquire 317,500 shares of
common stock of  Exsorbet, representing a portion  of  those  shares  identified
in paragraph 4, above. The acquisition price shall be $2.75 per share.

     7.  Additional  Option  Grant to APS.  For a period  of  sixty  days  after
September  30, 1996,  Stockholder  grants to APS an  exclusive  right to acquire
-0- shares of common stock of Exsorbet,  by exercising such portion of the
options  identified in paragraph 5, above as necessary to acquire such number of
shares. The acquisition price shall be S2.75 per share.
<PAGE>

     8. Exercising of Stock Options.  Stockholder  warrants and covenants with 
APS that he will,  upon  exercising  of the option  specified in paragraph 6 or
7, above, exercise the option  agreements  with  Exsorbet,  acquiring the number
of shares being  ultimately  transferrable to APS. Such option exercise shall 
occur within two  business  days of  not)fication  by APS that it is  exercising
the  option specified herein.

     9. APS  Agreements.  APS: (A) understands  that the Exsorbet stock has not
been, and will not be,  registered  under the Securities Act, or under any state
securities  laws,  and are being  offered and sold in reliance  upon federal and
state  exemptdons for  transactions  not involving any public  offering;  (B) is
acquiring the Exsorbet  stock for its own account for investment  purposes,  and
not with a view to the  distribution  thereof;  (C) is a sophisticated  investor
with  knowledge  and  experience  in business  and  financial  matters,  (D) has
received or will receive certain information concerning Exsorbet and has had the
opportunity to obtain additional information as desired in order to evaluate the
merits and the risks inherent in holding the Exsorbet stock; (E) is able to bear
the economic risk and lack of liquidity  inherent in holding the Exsorbet stock;
and (F) is an  Accredited  Investor,  as defined  in  Regulation  D  promulgated
pursuant to the Secunties Act of 1933, as amended.

     10. Paragraph Headings. Paragraph Headings, being the underlined portion at
the beginning of each section, are intended for assistance only and shall not 
alter, modify, amend, or change the meanings of the written paragraphs.

     11.  Construction.  This Agreement shall be liberally construed in favor of
granting an exclusive  option upon the terms  specified  herein.  In furtherance
thereof,  this  Agreement  shall be  construed in  accordance  with the laws and
statutes of the State of Texas, being the principal place of business of APS.

     12. Advice to Seek Legal Counsel.  Stockholder  has sought and obtained the
advice of counsel prior to entering this Agreement or has been strongly  advised
to obtain legal counsel  concerning the advisability of entering this Agreement.
In entering  this  Agreement,  Stockholder  is not relying upon any  statements,
representations,  or opinions of: (a) any attomeys or counsel for or of Exsorbet
or APS; (b) any representatives,  agents,  officers,  employees, or directors of
Exsorbet  Industries,  Inc., its  subsidiaries,  or APS; or (c) any person other
than his retained legal attorney.

     13. Notices. Notices to Stockholder shall be delivered to: Larry and 
Marilyn Woodcock, 1890 Swisco Road, Sulpher, LA 70663.

     Notices to APS shall be  delivered  to:  Duane Boyd,  Jr.,  1301 Capital of
Texas Highway, Suite C-300, Austin, TX 78746.

     All notices  shall be  delivered  by  certified  mail with a retum  receipt
requested,  by ovemight courier, or by facsimile.  All notices shall be complete
upon delivery.

     14. Cooperation. Stockholder agrees to fully cooperate with APS in the 
event that APS elects to exercise any rights under this Agreement. Stockholder 
shall take no action which would obstruct the ability of APS to exercise its 
rights under this Agreement.
<PAGE>

     15. Procedure for Exercising Option. APS may exercise its rights under this
Agreement by giving written notice to the Sharebolder in the manner specified in
paragraph  13,  above.  Such  written  notice  shall be in any  reasonable  form
sufficient to notify  Stockholder of the  exercising of the option. Full payment
shall be due upon the  delivery  of any or all shares from  Stockholder  to APS.
Upon exercising of any options,  Stockholder  shall arrange for: (i) delivery of
existing  shares,  if any, to APS within five business days;  (ii) exercising of
any stock options with Exsorbet  within two business days; and (iii) delivery of
stock  certificates  obtained  upon exercise of stock ophons within two business
days of receipt of such stock certificates.

     16. Severability. In the event that any secdon or paragraph contained 
herein shall be invalid, unlawful, or unenforceable, the remainder shall be 
severable, valid, and effective as if such invalid, unlawful, or unenforceable
section or paragraph were not contained herein.

     17. Consideration. In consideration of the Agreements contained herein, APS
is providing the sum of One Hundred Dollars (S 100.00) to Stockholder. 
Stockholder accepts such amount as full and complete consideration for this 
Agreement.

     18. Complete Agreement. This Agreement is the full and complete agreement 
between the parties. There are no agreements or understandings between the 
parties which are not contained herein.

    19. Adjustments in Option. In the event that the common stock of Exsorbet is
changed into or exchanged  for a different  number or kind of shares of Exsorbet
or  other  securides  by  reason  of  merger, consolidation,  recapitalization,
reclassification, stock split, stock dividend or combination of shares, the 
option granted to APS herein shall be subject to an appropriate and equitable 
adjustment in the number and kind of shares as to which the  option,  or  
portions  thereof then  unexercised,  shall be  exercisable,  to the end that 
after such event the proportionate interest of APS shall be maintained as before
the occurrence of such event. Such adjustment in the option shall be made 
without change in the total price applicable to the unexercised portion of the 
option.

     20. APS Party Appointed  Attorney-in-Fact.  Stockholder  hereby irrevocably
appoints APS as  attorney-in-fact of  Stockholder  (such power of attomey  being
coupled  with an  interest),  with  full  authority  in the  place and stead of
Stockholder and in the name of Stockholder,  APS or otherwise, from time to time
on APS' discretion and upon the  occurrence of any default by Stockholder of any
of  Stockholder's  obligations  hereunder, to take any action and to execute any
instrument  which APS may deem necessary or advisable to accomplish the purposes
of this Agreement, including without limitation to assign and transfer the stock
which is the subject of this  Agreement to APS, or any part thereof,  absolutely
and to execute and deliver endorsements, assignments, conveyances, bills of sale
and other instruments with power to substitute one or more persons or 
corporation with like power.

     21. Binding Effect. This Option Agreement shall inure to the benefit of, 
and be  binding upon the parties hereto and  their  respective  heirs,  personal
representatives,  successors and permitted  assigns.  Stockholder may not assign
its rights or obligations hereunder without the prior express written consent of
APS in each instance.
<PAGE>

     IN WITNESS WHEREOF,  the parties have executed this  Agreement upon the day
and year first above written.

                                                  ------------------------
                                                  Stockholder