First Fidelity Capital, Inc.
Asset Management





September 12, 2000

Private & Confidential

Mr. Greg Laborde, Chief Executive Officer
Origin Investment Group, Inc.
980 North Michigan Avenue
Suite 1400
Chicago, Illinois 60611



Re:  Immediate   Funding   Commitment  for  Origin  Investment  Group,  Inc.  of
$5,000,000.00  via  Structured  Equity  Funding  Line  (SEFL)  Financing  with a
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commitment f an additional $5,000,000 subject to certain conditions.

Dear Mr. Laborde,

This letter shall confirm that certain investment funds advised exclusively by
First Fidelity Capital, In. ("FFC") (the "Funds") are willing to purchase from
Origin Investment Group, Inc. (the "Company"), certain of the Company's
securities on the terms and subject to the conditions described below. Any such
purchase shall be structured as a private placement of such securities under
Section 4 (2) of the Securities Act 1933, as amended (the "Securities Act") and
Rule Rules 601-610 of Regulation E of the Securities and Exchange Commission
(the "Commission") promulgated thereunder ("Regulation E").

The Company shall enter into a Regulation E Common Stock Private Equity Line
Subscription Agreement (the "Subscription Agreement") with the Funds (the
"Subscriber"). The Subscription Agreement shall entitle the Company to require
the Subscriber to purchase up to $5,000,000.00 of the Company's Common Stock
(the "Put" or "Put Right"), from time to time during the period and upon the
Company's satisfaction of the conditions under the Subscription Agreement that
would allow it to begin exercising its Put Rights. Additionally, the Company's
satisfying such conditions shall be a precedent t0 each successive Put.

Commitment:                $10,000,000.00 subject to certain conditions.
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Commitment Term: One (1) year from the effective date (see below), with an
additional commitment of $5,000,000.00 if at least $2,000,000.00 of the
Commitment is drawn down during the first six (6) months from the effective
date.

Effective  Date:  The date of which the Company and the Funds have  executed and
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delivered   definitive   documents   evidencing   the   Commitment  and  related
transactions

Securities: Common Stock, par value $0.001 per share (the "Common Stock")
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Use of Proceeds:  Working Capital and acquisition  purchases  commensurate  with
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investment strategies.

Minimum Put Amount: $100,000.00
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Maximum Put Amount: $500,000.00 (Subject always to a limit of 2 times the
"Trading Volume" on the trading day immediately preceding delivery of a draw
notice). "Trading Volume" shall mean the dollar amount of the average daily
trading volume of the Common Stock, calculated based upon the average close bid
price and average daily trading volume over the twenty (20) trading days
preceding the put date, in each case as reported by Bloomberg, LP, however the
initial Put shall be subject to a limit of 4 times the Trading Volume.

Put Date: Any trading day which is at least 15 trading days following the
preceding put date; Puts will be effective on the third trading day following
put date.

Number of shares of Common Stock issued in respect of any puts: The number of
shares of Common Stock issued in respect of any put shall be equal to the dollar
amount of such put divided by 80% of the "Market Price" of the Common Stock. The
Market Price of the Common Stock shall equal the lowest closing reported bid
price of the Common Stock for the five (5) trading days, immediately proceeding
the put date.

Commitment Fees; Warrants: Pursuant to a definitive warrant purchase agreement,
the Company shall deliver to the Funds an aggregate of 1,50,000 five year
warrants to purchase Common Stock (the Warrant Shares), with an exercise price
equal to the lesser of 80% of the average 10 days closing bid price of the
Common Stock prior to the date of signatory of this term sheet, or 80% of the
average 10n days closing bid price of the Common Stock following the date of
effectiveness of the Offering Circular pursuant to Rule 604 of Regulation E
9"Offering Circular") (the "Warrants"). The Company shall in addition deliver to
the Fund sup to a maximum of 650,000 warrants one pro rata basis in conjunction
with their draw downs, exercisable at the close bid price at the date of each
draw down (the "further Warrant Shares"). The Company will also pay to the Funds
a commitment fee equal to eight (8%) percent of each Put Amount drawn down by
the Company. Said fee is to be paid out of escrow in conjunction with the draw
being made available to the Company.

Conditions to exercise of Put: Exercise of Put will be subject to customary
precedent, including but not limited to the following:

a)   Effectiveness  of a  Offering  Circular  filed  pursuant  to  Rule  604  of
     Regulation E covering  resale of the shares of common stock  p7urchased  by
     the Funds, as well as the Warrant Shares and Further Warrant Shares;

b)   Accuracy of the Company's Representations and Warranties;

c)   Absence of suspensions of trading in or n delisting (or pending  delisting)
     of Common Stock;

d)   Receipt of  satisfactory  legal options  (including a "10b-5" opinion as to
     the Offering Circular and prospectus covering resales);

e)   The  closing  bid price of the  Common  Stock on the date of the put notice
     equaling or exceeding the Market Price of the Common Stock;

f)   Receipt of an  accountant's  "comfort  letter" or "agreed upon  procedures"
     letter, as appropriate; and

g)   No disputes as to results of periodic due diligence investigations;

h)   Continued trading on the OTC Bulletin Board;

i)   Compliance with all Blue Sky laws enable the shares to be issued and resold
     through a broker in the State of California



Closing procedures: The Company shall deliver certificates for shares of Common
Stock purchased pursuant to a put notice within five (5) business days of
delivery of the put notice. The Funds shall pay for such shares by wire transfer
to a designated account of the Company no later than three (3) business days
following the delivery of certificates for shares of Common Stock.

Transfer Agent Instructions: On the Effective Date, the Company shall
irrevocably instruct its transfer agent that, for so long as the Offering
Circular shall be effective, the transfer agent shall reissue shares of Common
Stock without restrictive legend upon appropriate evidence of transfer in
compliance with the Securities Act and the rules and regulations of the
Commission promulgated thereunder; provided that, for so long as the Offering
Circular remains effective, no opinion of counsel shall be required to effect
any such transfer.


Liquidated Damages for Failure to Deliver Certificates: If the Company fails to
deliver shares of Common Stock within (3) NASDAQ Stock Exchange Trading Days of
Delivery of a draw down notice, liquidated damages will accrue in amount equal
to $500 per each $100,000 funded for each day that such shares of Common Stock
are not delivered up to 10 days, and $1,000 per each $1,00,000 funded for each
day that such shares of Common Stock are not delivered in excess of 10 days.
Such amounts will accrue and be payable to the Funds upon demand.

Registration Rights: The Company will file with the Commission, within fifteen
(15) days of the Effective Date, an Offering Circular pursuant to Rule 604 of
Regulation E ("Offering Circular") to register the resale of the shares of
Common Stock purchased by the Funds pursuant to the Commitment and the shares of
Common Stock assumable upon exercise of the Warrants. The Company will cause the
Offering Circular to become eff3ective within sixty (60) days of the Effective
Date. If the Offering Circular is not declar3d effective within such sixty (60)
day period, the Commitment will terminate and the Funds will retain the Warrants
(with an exercise price equal to 80% of the close bid price at the date that the
Registration Statement should have been declared effective) and non-refundable
fee described below.

The Company represents and warrants that the Company is not at present engaged
in discussions, and will not be so engaged, with any persons, except the Funds
for the placement of any equity financing for the Company via any offerings and
the Company will not be permitted to issue any of its equity securities (or
instruments convertible into or exercisable for equity securities) in any
offerings, except to the Funds managed my them in a period from today's date
until the latter of September 11, 2001 or upon the total amount of Put draws
reaching $10,000,000.00.

If following the declaration of effectiveness of the Offering Circular, the
Offering (or any prospects or supplemental prospectus contained therein) shall
cease to be effective for any reason (including but not limited to the
occurrence of any event that results in any prospectus containing an untrue
statement of a material fact or omitting a material fact requir3d to be states
therein or necessary in order to make the statement therein, in lights of the
circumstances under which they were made, not misleading)(a "Registration
Default"), the Company shall immediately take all necessary steps to cause the
Offering Circular to be am3nded or supplemented so as to cure such Registration
Default. Failure to cure a Registration Default within ten (10) business days
shall result in the Company including liquidated damage penalty of $1,000 per
day for so long as more than 10,000 shares of Common Stock are held by the
Funds.

Should you decide to proceed, we anticipate that the Effective Date will be no
later than October 11, 2000. However, the occurrence of the Effective Date is
conditioned upon (a) the execution and delivery of, and performance under,
appropriate documentation, all in form and substance acceptable to counsel to
the Funds and containing conditions, representations, warranties and agreements
customary for transactions of this type, (b) the receipt of all necessary
third-party consents (including but not limited to the consent of the Company's
bank and other senior lenders, if required), (c) satisfactory completion of due
diligence, (d) the absence of any material adverse change in the business,
condition (financial or otherwise), earning or prospects of the Company, (e) the
lack of any disruption in the market for the Common Stock (including but not
limited to a material decrease in the trading price or trading volume of the
Common Stock) or the U.S. stock markets as a whole, and (f) the availability of
a valid exemption under the securities act regarding the offering and sale of
the Common Stock, the issuance of Warrants and shares of Common Stock assumable
on the exercise of the Warrants.

The Company hereby agrees to cause the Offering Circular to continue to be
effective for a one-year period from the date the Offering Circular is declared
effective by the Securities and Exchange Commission.

This indication of inter3st is highly confidential and is not to be disclosed to
anyone without the prior written consent of FFC. Any unauthorized disclosure of
this indication of interest shall result in its immediate withdrawal.

Upon execut9ion and delivery of this Term Sheet, the Company will pay to the
escrow account of Samuel Krieger, Es., Of Krieger and Prager, 319 Fifth Avenue,
New York, NY 10016 (Tel 212 689 3322) for the benefit of FFC a non-refundable
fee of $17,500, for all out-of-pocket expenses (including fees and expenses of
counsel) in connection herewith. These funds are to be released t FFC either
upon signatory of this Term Sheet.

The terms of this letter are expressively agreed by the parties t0o be
non-binding, except that, if this letter is signed by both parties. The parties
agree to be bond by the confidentiality provisions of the second immediately
preceding paragraph.

This offer expires September 14, 2000.



Sincerely,

Mads Ulrich
President & CEO
FIRST FIDELITY CAPITAL, INC., on behalf of the Funds



Acknowledged and Accepted:

First Fidelity Capital, Inc.
By: /s/  Mads Ulrich
Date: 9/15/2000

Acknowledged and Accepted:

Origin Investments, Inc.
By: /s/ Gregory H. Laborde
Date: 9/15/2000