<PAGE>

                                                                  EXHIBIT 10.2



                              EMPLOYMENT AGREEMENT


         THIS EMPLOYMENT AGREEMENT is entered into to be effective November 1,
2002 (the "Effective Date"), by and between LUMMI DEVELOPMENT, INC., a Delaware
corporation (the "Company") dba Signature Horizons, Inc. and PEGGY A. EVANS, an
individual resident of the State of Georgia ("Executive").

                              W I T N E S S E T H :

         WHEREAS, the Company wishes to employ Executive as the Chief Operating
Officer and Chief Financial Officer of the Company; and

         WHEREAS, the Company wishes to appoint Executive as a member of the
Board of Directors to serve as such for a three-year term; and

         WHEREAS, Executive shall have and be entitled to all of the rights,
powers and authority, and be obligated to discharge all of the duties and
responsibilities, customary to the position of COO, CFO and Director in a
publicly-traded company; and

         WHEREAS, the Company and Executive desire to enter into certain
agreements providing for Executive's employment with the Company, and the
Company and Executive desire that Executive serve in a senior executive capacity
with the Company on the terms hereinafter set forth.

         NOW, THEREFORE, in consideration of the premises and mutual covenants
herein contained and other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties hereto agree as
follows:

         1. EMPLOYMENT. The Company agrees to employ Executive, and Executive
accepts such employment for the period beginning as of the date hereof and
ending upon the earlier of (a) termination pursuant to Section 1(f) hereof or
(b) the date three (3) years from the date of this Agreement (the "Employment
Period").

                  (a) SERVICES. During the Employment Period, Executive will
         serve as the Company's Chief Operating Officer and Chief financial
         Officer, and as such she shall have such rights, entitlements,
         authority, duties and responsibilities as would normally attach to such
         position, subject to the authority of the Board of Directors (the
         "Board"). Furthermore, Executive, together with the Chief Executive
         Officer and an appointee of the Board, will form an Executive
         Committee, which will have full right and authority to make changes and
         other decisions pertaining to personnel, operations and finance.
         Executive will devote her best efforts and substantially all of her
         business time and attention (except for vacation periods and reasonable
         periods of illness or other incapacity) to the business of the Company
         and its affiliates and will faithfully and



<PAGE>


         diligently carry out such duties and have such rights, powers,
         authority and responsibilities as are customary among persons employed
         in substantially similar capacities for similar companies.
         Notwithstanding the foregoing, Executive may serve on civil and
         charitable boards and committees and manage personal investments,
         provided, however, that Executive shall use Executive's best efforts to
         pursue such activities in such a manner so that such activities shall
         not prevent Executive from fulfilling Executive's obligations to the
         Company hereunder. Executive will report to the Board of Directors and
         shall faithfully and diligently comply with all of its reasonable and
         lawful directives. For purposes of this Agreement, the term
         "affiliates" means any corporation, limited partnership, limited
         liability company or other entity engaged in the same business as the
         Company or a related business, which is controlled by or under common
         control with the Company.

                  (b) BASE SALARY AND BONUS. The Company will pay Executive a
         base salary at the rate of not less than $20,000 per month or such
         higher amount as determined from time to time by the Board of Directors
         of the Company (the "Base Salary"). The Base Salary for each calendar
         year or portion thereof during the Employment Period shall be paid to
         the Executive on the regularly recurring pay periods established by the
         Company, but in no event in less than equal semi-monthly installments.
         As additional compensation for the performance of the services rendered
         by Executive, the Company will pay to Executive an annual performance
         bonus, beginning with the 2002 calendar year, based upon the
         achievement of those goals and objectives, which shall be determined by
         the Board of Directors. If Executive achieves the goals and objectives
         determined by the Board of Directors with respect to each year,
         beginning with 2002, Executive shall be entitled to receive an annual
         bonus in an amount up to $100,000 (the "Performance Bonus"). The
         Performance Bonus shall be paid within thirty (30) days after the last
         day of the year for which the Performance Bonus was earned. Executive
         shall have the option of receiving the Performance Bonus in cash and/or
         shares of the Company's common stock ("Bonus Shares") with a fair
         market value (as determined by the average closing sales price for the
         last month of the applicable year) equal to the amount of the
         Performance Bonus taken in Bonus Shares. Executive shall have the right
         to require Bonus Shares to be registered by the Company with the
         Securities and Exchange Commission for resale.

                  (c) STOCK OPTIONS. Executive shall also receive non-qualified
         stock options (the "Options") to purchase 500,000 shares of common
         stock of the Company (the "Option Shares"). The Options shall have an
         exercise price of $1.00 per share and shall be exercisable for a period
         of five (5) years from and after the date they first become
         exercisable. 20% of the Options shall vest upon the date hereof and the
         remaining 80% of the Options shall vest 20% each year of the term of
         this Agreement, provided, however, that Executive is an employee of the
         Company at the time of vesting or as otherwise provided herein or in
         the Option Agreement evidencing and governing the grant of the Options,
         and provided further, however, that all unvested Options shall vest and
         become immediately exercisable in the event the sales price of the
         Company's common stock closes at $8.00 or higher for any twenty (20)
         consecutive trading days for which there is a quoted closing sales
         price or if the Company earns at least $5 million in any calendar



                                       2

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         quarter or $15 million in any calendar year. It is also agreed that the
         Company shall use its best efforts to register the Option shares on a
         Form S-8.

                  (d) BENEFITS. In addition to the compensation described in
         Section 1(a), (b) and (c), Executive will be entitled, during the
         Employment Period, to the benefits described in Exhibit A hereto.

                  (e) TERMINATION. Executive's employment with the Company will
         continue until termination of Executive's employment pursuant to any of
         the following provisions:

                           (i) Termination by the Company without Cause. The
                  Company may at any time by action of a majority of the entire
                  membership of its Board of Directors terminate Executive's
                  employment without Cause (as defined below) by giving
                  Executive notice of the effective date of termination (which
                  effective date may be the date of such notice) (the "Date of
                  Termination"). A voluntary termination by Executive within
                  sixty (60) days after any of the following events will be
                  deemed a termination of Executive's employment by the Company
                  without Cause: (1) a reduction of Executive's status by the
                  Company; (2) relocation of the Executive outside the Atlanta,
                  Georgia metropolitan area; (3) failure by the Company to
                  comply with any material provision of this Agreement that has
                  not been cured within ten (10) days after notice of such
                  non-compliance has been given to the Company; (4) a material
                  reduction of Executive's responsibilities or reduction of her
                  salary by more than five percent (5%); or (5) termination of
                  Executive's employment due to Executive's death or Disability
                  (as defined below). In the event of such termination, the
                  Company shall have the obligation to pay Executive the
                  following:

                                    (A) Through the Date of Termination, the
                           Company shall pay Executive her full Base Salary at
                           her then current rate of pay, and continue the
                           benefits in effect at the time notice of termination
                           is given;

                                    (B) In lieu of any further salary payments
                           to Executive for periods subsequent to the Date of
                           Termination, the Company shall pay, as severance to
                           Executive, a payment (the "Severance Payment") equal
                           to 3.0 times the Annual Compensation (as defined
                           below) which was payable to Executive by the Company
                           (or any corporation affiliated with the Company
                           ("Affiliate") within the meaning of Section 1504 of
                           the Internal Revenue Code of 1954, as amended (the
                           "Code") and includible by Executive in her gross
                           income for Federal income tax purposes for the twelve
                           (12) calendar months preceding the Date of
                           Termination such Severance Payment to be payable in
                           equal bi-weekly payments for a period of twelve (12)
                           months following the effective date of such
                           termination; provided, however, that, if Executive's
                           employment shall be terminated within one year after
                           a Change in Control (as hereinafter defined), the
                           Severance Payment shall be a lump sum payment equal
                           to 4.0 times such Annual Compensation. For purposes
                           of this Agreement, "Annual


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                           Compensation" shall mean her Base Salary (annualized)
                           bonus and automobile allowance includible in her
                           gross income in respect to her employment by the
                           Company (or an Affiliate). For purposes of this
                           Agreement, a "Change in Control" shall be deemed to
                           occur in the event of a merger or consolidation of
                           the Company with or into any other corporation or
                           other entity or a sale of all or substantially all of
                           the assets of the Company, unless the stockholders of
                           the Company immediately prior to such transaction
                           hold at least fifty percent (50%) of the outstanding
                           equity securities of the entity surviving such merger
                           or consolidation or the entity purchasing such
                           assets, or in the event of a sale or transfer of more
                           than fifty percent (50%) of the Company's Common
                           Stock to a person or persons acting as a group, who
                           is or are not controlled directly or indirectly by
                           the Company, in a single transaction or series of
                           related transactions;

                                    (C) The Severance Payment shall be in lieu
                           of any other severance payment offered by the Company
                           and applicable to Executive;

                                    (D) In the event that the Severance Payment
                           (and any payments payable under any other plan,
                           program, or arrangement or agreement maintained by
                           the Company or an Affiliate) would constitute an
                           "excess parachute payment" (with the meaning of
                           Section 280G of the Code), the Severance Payment will
                           be reduced (by the minimum possible amount) until the
                           total "parachute payments" (within the meaning of
                           Section 280G of the Code) do not constitute an
                           "excess parachute payment" (within the meaning of
                           Section 280G of the Code); provided, however, that no
                           such reduction shall be made if the net after-tax
                           benefit (after taking into account federal, state and
                           local income and excise taxes) to which Executive
                           otherwise would be entitled without such reduction
                           would be greater than the net after-tax benefit
                           (after taking into account federal, state and local
                           income and excise taxes) to Executive resulting from
                           the receipt of such payments with such reduction. For
                           purposes of this calculation, it shall be assumed
                           that Executive's tax rate is the maximum marginal
                           federal, state and local income tax rate on earned
                           income, with such maximum federal rate to be computed
                           with regard to Section 1(g) of the Code, if
                           applicable. In the event that Executive and the
                           Company are unable to agree as to the amount of the
                           reduction described above, if any, Executive shall
                           select a law firm or accounting firm which is not
                           regularly consulted by (but is reasonably acceptable
                           to) the Company ("Tax Counsel") and such Tax Counsel
                           shall, at the Company's expense, determine the amount
                           of such reduction and such determination shall be
                           final and binding upon Executive and the Company;

                                    (E) The Company shall also pay to Executive
                           all legal fees and expenses reasonably incurred by
                           her in successfully contesting or disputing any such
                           termination or in a successful action to obtain or
                           enforce any



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                           right or benefit provided by this Agreement or any
                           other right or benefit enjoyed by Executive during
                           his employment with the Company, such payments to be
                           made with five (5) days after submission by Executive
                           to the Company of a request for payment with such
                           evidence as the Company may reasonably require;

                                    (F) In the event of a Change in Control, the
                           payments provided for in subsection (B) above, shall
                           be made not later than the fifth (5th) day following
                           the Date of Termination; provided, however, that if
                           the amount of such payments, and the limitation on
                           such payments set forth in subsection (C) above,
                           cannot be finally determined on or before such day,
                           the Company shall pay Executive on such day an
                           estimate, as determined in good faith by the Company,
                           of the minimum amount of such payments and shall pay
                           the remainder of such payments (together with
                           interest at the applicable federal rate as defined in
                           Section 1274 of the Code or such other minimum rate
                           which will not cause imputation of income for its
                           purpose, hereafter referred to as the "Applicable
                           Rate") as soon as the amount thereof can be
                           determined but in no event later than the thirtieth
                           day after the Date of Termination. In the event that
                           the amount of the estimated payments exceeds the
                           amount subsequently determined to have been due, such
                           excess shall constitute a loan by the Company to
                           Executive, payable on the fifth day after demand by
                           the Company (together with interest at the Applicable
                           Rate);

                                    (G) If Executive's employment shall be
                           terminated by the Company other than for Cause, then
                           all of the then unvested Stock Options provided for
                           in subsection (c) of this Section 1 shall immediately
                           vest and be exercisable and, for an eighteen (18)
                           month period after the Date of Termination, the
                           Company shall, at Executive's request made within
                           sixty (60) days after the Date of Termination,
                           arrange to provide Executive with health and life
                           benefits substantially similar to those which
                           Executive was receiving immediately prior to the
                           Notice of Termination unless and until Executive
                           receives such benefits from a subsequent employer.
                           The cost of the benefits provided for in the
                           preceding sentence shall be borne by the Company for
                           the first twelve (12) months after the Date of
                           Termination. The determination of whether any of such
                           benefits would result in a reduction of the Severance
                           Payment and, if so, by how much shall be made at the
                           Company's expense, by Tax Counsel and transmitted to
                           Executive within ten days after the Date of
                           Termination;

                                    (H) Executive shall not be required to
                           mitigate the amount of any payment provided for in
                           this Section 1(e)(i) by seeking other employment or
                           otherwise, nor shall the amount of any payment or
                           benefit provided for in this Section 1(e)(i) be
                           reduced by any compensation earned by Executive as
                           the result of employment by another employer or by
                           retirement benefits after the Date of Termination, or
                           otherwise.



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                                    (I) For purposes of this Agreement, the
                           term, "Disability," shall mean an incapacity due to
                           physical or mental illness or injury that is
                           permanent in nature and prevents Employee from
                           performing the substantial and material duties of his
                           employment hereunder. Any such disability shall be
                           deemed to be permanent in nature if such disability
                           is expected to last for a period of at least twelve
                           (12) consecutive months.

                           (ii) Termination by the Company for Cause. A majority
                  of the entire membership of the Board shall have the right to
                  terminate Executive's employment at any time for any of the
                  following reasons (each of which is referred to herein as
                  "Cause") by giving Executive written notice which specifically
                  identifies in reasonable detail the Cause and affords
                  reasonable opportunity for a hearing before the Board with the
                  right to be accompanied by counsel, and Executive shall have
                  fifteen (15) days from the receipt of such notice (or, if
                  later, the date of such hearing) to cure such Cause, to the
                  extent such Cause is curable. If the Cause is not cured within
                  said fifteen (15) days or the Cause is not curable, the
                  Company may give Executive written notice of the effective
                  date of termination (which effective date may be the date of
                  such notice):

                                    (A) the willful breach of any provision of
                           Section 1(a), Section 2 and/or Section 4;

                                    (B) any act of intentional fraud or
                           dishonesty with respect to any aspect of the
                           Company's or any affiliate's business;

                                    (C) continued use of illegal drugs;

                                    (D) as a result of Executive's willful
                           misconduct, Executive shall commit any act that
                           causes, or shall knowingly fail to take reasonable
                           and appropriate action to prevent, any material
                           injury to the financial condition or business
                           reputation of the Company or any affiliate; or

                                    (E) conviction of, or entering a plea of
                           guilty or nolo contendere to, a misdemeanor involving
                           fraud, embezzlement, theft, dishonesty or other
                           criminal conduct against the Company or a felony.

                                    If a majority of the Board terminates
                           Executive's employment for any of the reasons set
                           forth above in this Section 1(e)(ii), the Company
                           shall have no further obligations hereunder accruing
                           from and after the effective date of termination and
                           shall have all other rights and remedies available
                           under this or any other agreement and at law or in
                           equity.

                           (iii) Voluntary Termination by Executive. In the
                  event that Executive's employment with the Company is
                  terminated by Executive (except as set forth in Section
                  1(e)(i)), the Company shall have no further obligations
                  hereunder accruing from and after the date of such
                  termination.



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         2. NONDISCLOSURE. Executive hereby acknowledges and agrees that, in
performing services under this Agreement, Executive will have access to
Proprietary Information (as defined below). Executive further agrees as follows:

                  (a) Executive shall (i) use the Proprietary Information
         exclusively for the purpose of fulfilling the obligations of this
         Agreement; (ii) return the Proprietary Information, and any copies
         thereof, in his possession or under his control, to the Company upon
         request of the Company, or expiration or termination of this Agreement
         for any reason; and (iii) except for disclosures to employees of the
         Company in the ordinary course of business, hold the Proprietary
         Information in confidence and not copy, publish or disclose to others
         or allow any other party to copy, publish or disclose to others in any
         form, any Proprietary Information without the prior written approval of
         the Chairman of the Board of the Company.

                  (b) The obligations and restrictions set forth in this Section
         2 shall survive expiration or termination of this Agreement, for any
         reason, and shall remain in full force and effect as follows:

                           (i) as to Trade Secrets, for an indefinite period
                  after expiration or termination of this Agreement it being
                  understood that disclosure of Company Trade Secrets shall
                  never be permissible; and

                           (ii) as to Confidential Information, for a period of
                  two (2) years after expiration or termination of this
                  Agreement for any reason.

                  (c) The confidentiality, property, and proprietary rights
         protections available in this Agreement are in addition to, and not
         exclusive of, any and all other corporate rights, including those
         provided under copyright, corporate officer or director fiduciary
         duties, and trade secret and confidential information laws. The
         obligations set forth in this Section 2 shall not apply or shall
         terminate with respect to any particular portion of the Proprietary
         Information which (i) was in Executive's possession, free of any
         obligation of confidence, prior to his receipt from the Company, (ii)
         Executive establishes is already in the public domain at the time the
         Company communicates it to Executive, or becomes available to the
         public through no breach of this Agreement by Executive, or (iii)
         Executive establishes is received by Executive independently and in
         good faith from a third party lawfully in possession thereof and having
         no obligation to keep such information confidential.

                  (d) For purposes of this Section 2, the following definitions
         shall apply:

                           (i) "Confidential Information" shall mean any
                  information which does not rise to the level of a Trade
                  Secret, but is valuable to the Company and provided in
                  confidence to Executive.

                           (ii) "Proprietary Information" shall mean
                  collectively Trade Secrets and Confidential Information.


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                           (iii) "Trade Secret" shall mean any information,
                  which derives economic value, actual or potential, from not
                  being generally known to, and not being readily ascertainable
                  by proper means by, other persons who can obtain economic
                  value from its disclosure or use, and is the subject of
                  efforts that are reasonable under the circumstances to
                  maintain its secrecy.

         3. OTHER BUSINESS. During the Employment Period, Executive agrees that
she will not, directly or indirectly, except with the express written consent of
the Board of Directors, become engaged in, render services for, or permit her
name to be used with, any business other than the business of the Company and
its affiliates.

         4. TERMINATION OF AGREEMENT. This Agreement shall terminate on the
fifth (5th) anniversary of the date hereof.

         5. GENERAL PROVISIONS.

                  (a) NOTICES. Any notice provided for in this Agreement must be
         in writing and must be either personally delivered, or mailed by first
         class mail (postage prepaid and return receipt requested) or sent by
         reputable overnight courier services, to the recipient at the address
         below indicated:

                  To the Company:  3480 Preston Ridge Road, Suite 500,
                                   Alpharetta, GA 30038

                  To Executive:    2020 Federal Road, Roswell, GA  30075


         or such other address or to the attention of such other person as the
         recipient party shall have specified by prior written notice to the
         sending party. Any notice under this Agreement will be deemed to have
         been given when so delivered or sent or if mailed, five days after so
         mailed.

                  (b) SEVERABILITY. Whenever possible, each provision of this
         Agreement will be interpreted in such manner as to be effective and
         valid under applicable law, but if any provision of this Agreement is
         held to be invalid, illegal or unenforceable in any respect under any
         applicable law or rule in any jurisdiction, such invalidity, illegality
         or unenforceability will not affect any other provision in any other
         jurisdiction, but this Agreement will be reformed, construed and
         enforced in such jurisdiction as if such invalid, illegal or
         unenforceable provision had never been contained herein except that any
         court having jurisdiction shall have the power to reduce the duration,
         area or scope of such invalid, illegal or unenforceable provision and,
         in its reduced form, it shall be enforceable.

                  (c) COMPLETE AGREEMENT. This Agreement embodies the complete
         agreement and understanding between the parties and supersedes and
         preempts any prior understandings, agreements or representations by or
         between the parties, written or oral, which may have related to the
         subject matter hereof in any way. Any employment, benefit or bonus



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         arrangements or agreements between the Company and Executive that
         existed at any time prior to the execution and delivery of this
         Agreement are hereby terminated by Executive: provided, however, that
         Executive shall remain liable for any beach of such arrangements or
         agreements occurring during the term of such arrangement or agreement.
         From and after the date of this Agreement, Executive shall not be
         entitled to any compensation from the Company on account of any such
         arrangement or agreement.

                  (d) SUCCESSORS AND ASSIGNS. This Agreement is intended to bind
         and inure to the benefit of and be enforceable by Executive and the
         Company, except that Executive may not assign any of his rights or
         obligations under this Agreement and the Company may not assign any of
         its rights or obligations under this Agreement except as provided in
         the following sentence. The Company may assign its rights under this
         Agreement, as security, to any lender to the Company, and in the event
         of a sale of all of the stock, or substantially all of the stock, of
         the Company, or consolidation or merger of the Company into another
         corporation or entity, or the sale of substantially all of the
         operating assets of the Company to another corporation, entity or
         individual, the Company may assign its rights and obligations under
         this Agreement to its successor-in-interest provided that such
         successor-in-interest shall have assumed all obligations of the Company
         hereunder by written agreement with Executive, and in the event the
         Company does not so assign its rights and obligations hereunder, such
         sale, consolidation or merger shall be deemed to be termination of
         Executive's employment by the Company without Cause in accordance with
         Section 1(e)(i) hereof.

                  (e) GOVERNING LAW. This Agreement shall be construed and
         enforced in accordance with the laws of the State of Georgia (without
         regard to any conflicts of laws provisions of the laws of such state).

                  (f) REMEDIES. Each of the parties to this Agreement will be
         entitled to enforce his or its rights under this Agreement specifically
         to recover damages (including, without limitation, reasonable fees and
         expenses of counsel) by reason of any breach of any provision of this
         Agreement and to exercise all other rights existing in his or its
         favor. The parties hereto agree and acknowledge that money damages may
         not be an adequate remedy for any breach or threatened breach of the
         provisions of this Agreement and that any party may in his or its sole
         discretion apply or any court of law or equity of competent
         jurisdiction for specific performance and/or injunctive relief in order
         to enforce or prevent any violations of the provisions of this
         Agreement.

                  (g) AMENDMENTS AND WAIVERS. Any provisions of this Agreement
         my be amended or waived only with the prior written consent of
         Executive and a majority of the Board.

                  (h) ABSENCE OF CONFLICTING AGREEMENTS. Executive hereby
         warrants and covenants that his employment by the Company does not
         result in a breach of the terms, conditions or provisions of any
         agreement to which Executive is subject.


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<PAGE>




                  (i) SURVIVAL. No termination of Executive's employment in
         accordance with Section 1(e) shall reduce or terminate Executive's
         covenants and agreements in Section 2.

                  (j) ACKNOWLEDGEMENT. By signing this Agreement, Executive
         acknowledges that the Company has advised Executive of his right to
         consult with an attorney prior to executing this Agreement; that he has
         the right to retain counsel of his own choosing concerning the
         agreement to arbitrate or any waiver of rights or claims; that he has
         read and fully understands the terms of this Agreement and/or has had
         the right to have it reviewed and approved by counsel of choice, with
         adequate opportunity and time for such review; and that he is fully
         aware of its contents and of its legal effect. Accordingly, this
         Agreement shall not be construed against any party on the grounds that
         the party drafted this Agreement. Instead, this Agreement shall be
         interpreted as though drafted equally by all parties.

                  IN WITNESS WHEREOF, the parties have caused this Agreement to
         be duly executed and delivered on the day and year first above written.

                                   "COMPANY"


                                   By: /s/ Ronald A. Potts
                                      ------------------------------------------
                                   Name: Ronald A. Potts
                                        ----------------------------------------
                                   Title: Chief Executive Officer
                                         ---------------------------------------


                                   "EXECUTIVE"

                                   /s/ Peggy A. Evans
                                   ---------------------------------------------


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<PAGE>


                                    EXHIBIT A

                                    BENEFITS


         1. VACATION. Executive shall be entitled to a total of four (4) weeks
of paid vacation for each year during the term of this Agreement.
Notwithstanding the foregoing, Executive hereby acknowledges that no more than
two (2) weeks of vacation may be taken consecutively. Any vacation not taken in
any such year shall be forfeited and shall not be carried forward to subsequent
years.


         2. INSURANCE. Executive shall receive the employee benefits such as
health insurance, life insurance and disability insurance as are provided, from
time to time, to senior executives of the Company. In addition, Company hereby
agrees to purchase a term life insurance policy for Executive payable to the
beneficiary designated by Executive in the amount of $500,000, provided,
however, that Executive is insurable.

         3. BUSINESS EXPENSES. Upon submission of itemized expense statements in
the manner specified by the Company, Executive shall be entitled to
reimbursement for reasonable business and travel expenses duly incurred by
Executive in the performance of his duties under this Agreement.

         4. AUTOMOBILE ALLOWANCE. The Company hereby agrees to pay Executive or
an automobile leasing or finance company, if so directed by Executive, an amount
up to $700.00 per month as an automobile allowance, plus related automobile
insurance premiums and ad valorem taxes in an amount not to exceed $1,000.00 per
year.

         6. CELL PHONE ALLOWANCE. The Company hereby agrees to furnish Executive
with a cellular telephone and pay cellular phone charges or reimburse executive
for same.

         7. LAPTOP COMPUTER. The Company hereby agrees to furnish Executive with
a laptop computer for Executive's use during the term of this Agreement.