NON-NEGOTIABLE PROMISSORY NOTE

$99,000.00                                                      January 12, 2000

FOR VALUE RECEIVED,  Omar A. Rizvi,  an individual  residing at 175 North Harbor
Drive, Chicago,  Illinois 60601 ("Maker"),  promises to pay to Origin Investment
Group, Inc., Inc., a Maryland corporation,  with its principal place of business
located at 980 North  Michigan  Avenue,  Suite  1400,  Chicago,  Illinois  60611
("Payee"), in lawful money of the United States of America, the principal sum of
Nine Hundred  Ninety-Nine  Thousand Dollars  ($99,000.00),  together with simple
interest on the unpaid  principal  balance at an annual rate equal to the 90-day
Treasury  Rate as  published  in the Wall Street  Journal on January 1st in each
year of the term of this Note,  payable in the manner provided  below.  Interest
shall be calculated  on the basis of a year of 365 or 366 days,  as  applicable,
and charged for the actual number of days elapsed.

1. PAYMENTS

1.1 PRINCIPAL AND INTEREST

Payments shall be due on December 31st of each year of the term,  which shall be
designated as five (5) complete years after the execution of this Note. Interest
on the unpaid principal balance calculated shall be equal to the 90-day Treasury
Rate as published in the Wall Street  Journal on January 1st in each year of the
term of this Note.

1.2 MANNER OF PAYMENT

All  payments of  principal  and interest on this Note shall be made by personal
check,  certified  check,  or bank  cashier's  check  deliverable  to 980  North
Michigan Avenue, Suite 1400, Chicago,  Illinois, or via wire transfer to Firstar
Bank Illinois,  30 North Michigan Avenue,  Chicago,  Illinois  60602-3496 to the
account of "Origin  Investment  Group,  Inc.", with the routing number 071904779
and account number  422601455,  or at such other place or to such other official
bank account in the United  States of America as Payee shall  designate to Maker
in writing. If any payment of principal or interest on this Note is due on a day
which is not a Business Day,  such payment  shall be due on the next  succeeding
Business  Day,  and  such  extension  of time  shall be taken  into  account  in
calculating the amount of interest payable under this Note. "Business Day" means
any day other than a Saturday, Sunday or legal holiday in the State of Illinois.

1.3 PREPAYMENT

Maker may, without premium or penalty, at any time and from time to time, prepay
all or any  portion of the  outstanding  principal  balance due under this Note,
provided that each such  prepayment is  accompanied  by accrued  interest on the
amount of  principal  prepaid  calculated  to the date of such  prepayment.  Any
partial  prepayments  shall be applied to  installments  of principal in inverse
order of their maturity.


1.4 RIGHT OF SET-OFF

Maker  shall  have the right to  withhold  and  set-off  against  any amount due
hereunder the amount of any claim for indemnification or payment of damages.

1.5 SECURED ASSETS.

Maker shall deposit with Company as collateral  hereunder,  stock  certificate #
OC3 in the amount of 1,000,000  shares of common stock.  Maker shall receive the
stock certificate from Company upon full payment of all obligations hereunder.

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2. DEFAULTS

2.1 EVENTS OF DEFAULT

The occurrence of any one or more of the following  events with respect to Maker
shall constitute an event of default hereunder ("Event of Default"):

(a) If Maker shall fail to pay when due any payment of  principal or interest on
this Note and such failure  continues for fifteen (15) days after Payee notifies
Maker therein  writing;  provided,  however,  that the exercise by Maker in good
faith of its right of  set-off  pursuant  to Section  1.4 above,  whether or not
ultimately determined to be justified, shall not constitute an Event of Default.

(b) If,  pursuant to or within the meaning of the United States  Bankruptcy Code
or any other federal or state law relating to insolvency or relief of debtors (a
"Bankruptcy Law"), Maker shall (i) commence a voluntary case or proceeding; (ii)
consent to the entry of an order for relief against it in an  involuntary  case;
(iii) consent to the appointment of a trustee, receiver, assignee, liquidator or
similar official;  (iv) make an assignment for the benefit of its creditors;  or
(v) admit in writing its inability to pay its debts as they become due.

(c) If a court of  competent  jurisdiction  enters an order or decree  under any
Bankruptcy Law that (i) is for relief against Maker in an involuntary case, (ii)
appoints a trustee, receiver, assignee, liquidator or similar official for Maker
or substantially all of Maker's  properties,  or (iii) orders the liquidation of
Maker, and in each case the order or decree is not dismissed within 120 days.

2.2 NOTICE BY MAKER

Maker shall notify Payee in writing within five days after the occurrence of any
Event of Default of which Maker acquires knowledge.

2.3 REMEDIES

Upon the  occurrence  of an Event of  Default  hereunder  (unless  all Events of
Default  have been cured or waived by Payee),  Payee may, at its option,  (i) by
written  notice to Maker,  declare the entire unpaid  principal  balance of this
Note,  together with all accrued interest  thereon,  immediately due and payable
regardless  of any prior  forbearance,  (ii) claim any and all shares of Maker's
common  stock  held by Payee  at the time of the  Event  of  Default  and  (iii)
exercise any and all rights and remedies  available to it under  applicable law,
including,  without  limitation,  the right to  collect  from Maker all sums due
under this Note. Maker shall pay all reasonable  costs and expenses  incurred by
or on behalf of Payee in connection  with Payee's  exercise of any or all of its
rights and remedies under this Note, including,  without limitation,  reasonable
attorneys' fees.

3. MISCELLANEOUS

3.1 WAIVER

The rights and  remedies  of Payee under this Note shall be  cumulative  and not
alternative.  No waiver by Payee of any right or remedy under this Note shall be
effective unless in a writing signed by Payee. Neither the failure nor any delay
in exercising  any right,  power or privilege  under this Note will operate as a
waiver of such right,  power or privilege  and no single or partial  exercise of
any such right,  power or privilege by Payee will  preclude any other or further
exercise of such right,  power or  privilege or the exercise of any other right,
power or privilege.  To the maximum extent  permitted by applicable  law, (a) no
claim or right of Payee arising out of this Note can be discharged by Payee,  in
whole or in part, by a waiver or  renunciation of the claim or right unless in a
writing,  signed by  Payee;  (b) no  waiver  that may be given by Payee  will be
applicable  except in the specific  instance  for which it is given;  and (c) no
notice to or demand on Maker will be deemed to be a waiver of any  obligation of
Maker or of the right of Payee to take further  action  without notice or demand
as provided in this Note. Maker hereby waives presentment,  demand,  protest and
notice of dishonor and protest.

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3.2 NOTICES

Any  notice  required  or  permitted  to be  given  hereunder  shall be given in
accordance with Section 11.4 of the Agreement.

3.3 SEVERABILITY

If any provision in this Note is held invalid or  unenforceable  by any court of
competent  jurisdiction,  the other  provisions of this Note will remain in full
force and effect.  Any provision of this Note held invalid or unenforceable only
in part or degree  will  remain in full  force and effect to the extent not held
invalid or unenforceable.

3.4 GOVERNING LAW

This Note will be governed by the laws of the State of Illinois  without  regard
to conflicts of laws principles.

3.5 PARTIES IN INTEREST

This Note shall bind Maker and its successors  and assigns.  This Note shall not
be assigned or transferred by Payee without the express prior written consent of
Maker, except by will or, in default thereof, by operation of law.

3.6 SECTION HEADINGS, CONSTRUCTION

The headings of Sections in this Note are provided for convenience only and will
not affect its  construction or  interpretation.  All references to "Section" or
"Sections"  refer to the  corresponding  Section or Sections of this Note unless
otherwise specified.

All words used in this Note will be  construed to be of such gender or number as
the  circumstances  require.  Unless  otherwise  expressly  provided,  the words
"hereof"  and  "hereunder"  and  similar  references  refer to this  Note in its
entirety and not to any specific section or subsection hereof.

IN WITNESS  WHEREOF,  Maker has executed and delivered  this Note as of the date
first stated above.



By:      /S/  OMAR A. RIZVI
         --------------------
         Omar A. Rizvi

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