<PAGE>

                                                                   EXHIBIT 10.28

                        INCENTIVE STOCK OPTION AGREEMENT

                        UNDER THE PRIMIX SOLUTIONS, INC.
                                 1995 STOCK PLAN

         Pursuant to the Primix Solutions Inc. 1995 Stock Plan, as amended
through the date hereof (the "Plan"), Primix Solutions Inc. (the "Company")
hereby grants to the Optionee named in EXHIBIT A attached hereto an option (the
"Stock Option") to purchase on or prior to the Expiration Date specified in
EXHIBIT A all or part of the number of shares ("Option Shares") of Common Stock,
par value $.001 per share (the "Stock"), of the Company specified in EXHIBIT A
at the Option Exercise Price per Share specified in EXHIBIT A subject to the
terms and conditions set forth herein and in the Plan.

         1. VESTING SCHEDULE. No portion of this Stock Option may be exercised
until such portion shall have vested. Except as set forth below, and subject to
the discretion of the Committee (as defined in paragraph 2 of the Plan) to
accelerate the vesting schedule hereunder, for so long as the Optionee is a
director of, or employed as an employee or officer of, or retained to render
services as a consultant of, the Company or a Related Corporation, this Stock
Option shall vest in accordance with such other vesting schedule as may be
specified in EXHIBIT A.

                  (a) EFFECT OF CERTAIN TRANSACTIONS. In the case of (a) the
dissolution or liquidation of the Company, (b) a merger, reorganization or
consolidation in which a majority of the outstanding voting power of the Company
is acquired by another person or entity (other than a holding company formed by
the Company), (c) the sale of all or substantially all of the assets of the
Company to another person or entity, or (d) the sale of fifty percent (50%) or
more of the outstanding stock of the Company to an unrelated person or entity
(in each case, a "Transaction"), other than a merger transaction to be accounted
for as a "pooling of interests" under APB No. 16 in which the surviving entity
assumes this Stock Option (a "Pooling Transaction"), this Stock Option shall be
deemed fully vested and exercisable as of the closing or consummation of such
Transaction, provided that such acceleration and any notice of exercise of
options that become vested as of such closing or consummation shall in all cases
be subject to and contingent upon such closing or consummation. From and after
the closing or consummation of any such Transaction, other than a Pooling
Transaction, this Stock Option shall terminate and no longer be exercisable as
to any Option Shares unexercised on or prior to the closing or consummation date
of such Transaction, unless provision is made in such Transaction in the sole
discretion of the parties thereto for the assumption of this Stock Option or the
substitution for this Stock Option of a new stock option of the successor person
or entity or a parent or subsidiary thereof, if any, with such adjustment as to
the number and kind of shares and the per share exercise price as such parties
shall agree to. In the event of a Pooling Transaction, this Stock Option shall
remain in effect in accordance with its terms as provided herein and shall
become an obligation of the surviving entity, with appropriate adjustments to
the number and kind of shares and the per share exercise price as contemplated
by the Stock Plans. In the event of any Transaction subject to this Section, the
Company shall give to the Optionee written notice


<PAGE>

thereof at least fifteen (15) days prior to the closing or anticipated
consummation date, or the record date for such transaction, if earlier.

                  (b) EFFECT OF TERMINATION OF EMPLOYMENT WITHOUT CAUSE.
Notwithstanding anything herein to the contrary, this Stock Option shall be
deemed vested and exercisable in full upon the date on which the Optionee's
employment with the Company and its Related Corporations is terminated by the
Company without Cause (as hereinafter defined) or by the Optionee for Good
Reason. For purposes hereof, "cause" for termination shall mean: (i) dishonest
statements or acts of the Optionee with respect to the Company or any Related
Corporation or acting in a manner that discredits or is detrimental to the
reputation, character or standing of the Company or any Related Corporation;
(ii) the commission by or indictment of the Optionee for (A) a felony or (B) any
misdemeanor involving moral turpitude, deceit, dishonesty or fraud, including,
without limitation, any form of harassment ("indictment," for these purposes,
means an indictment, probable cause hearing or any other procedure pursuant to
which an initial determination of probable or reasonable cause with respect to
such offense is made); (iii) the Optionee shall commit a breach of any of the
covenants, terms or provisions of the standard Company employee agreements
regarding inventions, proprietary rights, confidentiality and non-competition;
(iv) the Optionee shall have failed to comply with written instructions from the
Company's President or shall have substantially failed to perform the Optionee's
duties; or (v) gross negligence, willful misconduct or insubordination of the
Optionee with respect to the Company or any Related Corporation. As used herein,
the term "Good Reason" shall mean the occurrence of any of the following events:
(a) a substantial adverse change in the nature or scope of the Optionee's
responsibilities, authorities, powers, functions or duties; (c) a reduction in
the Optionee's annual base salary except for across-the-board salary reductions
similarly affecting all, or substantially all, management employees; or (c) the
relocation of the offices at which the Optionee is principally employed to a
location more than fifty (50) miles from such offices.

         2. MANNER OF EXERCISE.

                  (a) The Optionee may exercise this Stock Option only in the
following manner: from time to time on or prior to the Expiration Date of this
Stock Option, the Optionee may give written notice to the Company of his or her
election to purchase some or all of the vested Option Shares purchasable at the
time of such notice. This notice shall specify the number of Option Shares to be
purchased.

         Payment of the purchase price for the Option Shares may be made in
cash, by certified or bank check or other instrument acceptable to the
Committee.

         The delivery of certificates representing the Option Shares will be
contingent upon the Company's receipt from the Optionee of full payment for the
Option Shares, as set forth above and any agreement, statement or other evidence
that the Company may require to satisfy itself that the issuance of Stock to be
purchased pursuant to the exercise of Stock Options under the Plan and any
subsequent resale of the shares of Stock will be in compliance with applicable
laws and regulations.


<PAGE>

                  (b) Certificates for the shares of Stock purchased upon
exercise of this Stock Option shall be issued and delivered to the Optionee upon
compliance to the satisfaction of the Committee with all requirements under
applicable laws or regulations in connection with such issuance and with the
requirements hereof and of the Plan. The determination of the Committee as to
such compliance shall be final and binding on the Optionee. The Optionee shall
not be deemed to be the holder of, or to have any of the rights of a holder with
respect to, any shares of Stock subject to this Stock Option unless and until
this Stock Option shall have been exercised pursuant to the terms hereof, the
Company shall have issued and delivered the shares of Stock to the Optionee, and
the Optionee's name shall have been entered as the stockholder of record on the
books of the Company. Thereupon, the Optionee shall have full voting, dividend
and other ownership rights with respect to such shares of Stock.

                  (c) The minimum number of shares with respect to which this
Stock Option may be exercised at any one time shall be 100 shares, unless the
number of shares with respect to which this Stock Option is being exercised is
the total number of shares subject to exercise under this Stock Option at the
time.

                  (d) Notwithstanding any other provision hereof or of the Plan,
no portion of this Stock Option shall be exercisable after the Expiration Date
hereof.

         3. TERMINATION OF EMPLOYMENT. If the Optionee's employment with the
Company or a Related Corporation (as defined in the Plan) is terminated, this
Stock Option shall no longer vest and the period within which to exercise the
Stock Option to the extent then vested and exercisable may be subject to earlier
termination as set forth below.

                  (a) TERMINATION DUE TO DEATH. If the Optionee's employment
with the Company or Related Corporation terminates by reason of death, any Stock
Option held by the Optionee, to the extent exercisable, may thereafter be
exercised by the Optionee's personal representative or beneficiary who has
acquired the Stock Option by will or by the laws of descent and distribution for
a period of 360 days from the date of death or until the Expiration Date, if
earlier.

                  (b) TERMINATION DUE TO DISABILITY. If the Optionee's
employment with the Company or Related Corporation terminates by reason of
disability (as defined in Paragraph 10 of the Plan), any Stock Option held by
the Optionee shall become fully exercisable and may thereafter be exercised by
the Optionee for a period of 360 days from the date of termination or until the
Expiration Date, if earlier.

                  (c) TERMINATION OF EMPLOYMENT. If the Optionee's employment
with the Company or Related Corporation terminates for any reason other than
death or disability (as defined in paragraph 10 of the Plan), and unless
otherwise determined by the Committee, any Stock Option held by the Optionee may
be exercised, to the extent exercisable on the date of termination, for a period
of fifteen (15) days from the date of termination or until the Expiration


<PAGE>

Date, if earlier. Any Stock Option that is not exercisable at such time shall
terminate immediately and be of no further force or effect.

         4. INCORPORATION OF PLAN. Notwithstanding anything herein to the
contrary, this Stock Option shall be subject to and governed by the general
terms and conditions of the Plan. Capitalized terms in this Agreement shall have
the meaning specified in the Plan, unless a different meaning is specified
herein or in EXHIBIT A attached hereto and incorporated herein.

         5. TRANSFERABILITY. This Agreement is personal to the Optionee, is
non-assignable and is not transferable in any manner, by operation of law or
otherwise, other than by will or the laws of descent and distribution. This
Stock Option is exercisable, during the Optionee's lifetime, only by the
Optionee, and thereafter, only by the Optionee's personal representative or
beneficiary.

         6. STATUS OF THE STOCK OPTION. This Stock Option is intended to qualify
as an "Incentive Stock Option" under Section 422 of the Code, but the Company
does not represent or warrant that this Stock Option qualifies as such. The
Optionee should consult with his or her own tax advisors regarding the tax
effects of this Stock Option and the requirements necessary to obtain favorable
income tax treatment under Section 422 of the Code, including, but not limited
to, holding period requirements. If the Optionee intends to dispose or does
dispose (whether by sale, gift, transfer or otherwise) of any Option Shares
within the one-year period beginning on the date after the transfer of such
shares to him or her, or within the two-year period beginning on the day after
the grant of this Stock Option, he or she will notify the Company within 30 days
after such disposition.

         7. MISCELLANEOUS.

                  (a) Notice hereunder shall be given to the Company at its
principal place of business, and shall be given to the Optionee at the address
set forth below, or in either case at such other address as one party may
subsequently furnish to the other party in writing.

                  (b) This Stock Option does not confer upon the Optionee any
rights with respect to continuance of employment by the Company or any Related
Corporation.

                  (c) Pursuant to paragraph 16 of the Plan, the Committee may at
any time amend or cancel any outstanding portion of this Stock Option, but no
such action may be taken which adversely affects the Optionee's rights under
this Agreement without the Optionee's consent.

              [THE REMAINDER OF THIS PAGE INTENTIONALLY LEFT BLANK]


<PAGE>

                  EXECUTED as of the date set forth below.

                                              PRIMIX SOLUTIONS INC.

Dated:  MARCH 11, 1999                         By:  /s/ LENNART MENGWALL
      --------------------------                  ------------------------------
                                                  Name:  Lennart Mengwall
                                                  Title:  Chairman and CEO

The foregoing Agreement is hereby accepted and the terms and conditions thereof
hereby agreed to by the undersigned.

Dated:  MARCH 11, 1999                    /s/ DAVID CHAPMAN
      ---------------------------         -----------------------------
                                          Optionee's Signature

                                          Optionee's Name:DAVID W. CHAPMAN______

                                          Optionee's Address:

                                          c/o Primix Solutions Inc.
                                          One Arsenal Marketplace
                                          Watertown, MA  02474


<PAGE>

                              PRIMIX SOLUTIONS INC.

               INCENTIVE STOCK OPTION AGREEMENT (1995 STOCK PLAN)

                                    EXHIBIT A

Optionee:                                               DAVID CHAPMAN
                                           -------------------------------------
Option Grant Date:                                     MARCH 11, 1999
                                           -------------------------------------
Option Shares:                                              1,620
                                           -------------------------------------
Option Exercise Price per Share:                          $ 2.438
                                           -------------------------------------
Expiration Date:                           TEN (10) YEARS FROM OPTION GRANT DATE

Vesting:                            This Option shall vest and become
                                    exercisable as follows:

                                    7.143% shall vest on December 11, 1999

                                    The remainder shall vest in thirteen
                                    equal quarterly installments of
                                    7.143% each, with the first such
                                    installment vesting on March 11,
                                    2000, and with the remaining 12
                                    installments vesting on the
                                    subsequent June 11, September 11,
                                    and December 11 of each year.

Special Terms:                      Options detailed on this exhibit are subject
                                    to certain conditions as outlined in the
                                    attached amendment.

This Exhibit A is made a part of, and is subject to the terms and conditions of,
the attached Incentive Stock Option Agreement between Primix Solutions, Inc. and
the Optionee signing below. In the event of any inconsistency between the terms
of this Exhibit A and the terms of the Incentive Stock Option Agreement, the
terms of this Exhibit A shall control.

By signing below, the parties acknowledge and agree to the foregoing terms and
conditions.

Primix Solutions Inc.                                         Optionee

By:  /s/ LENNART MENGWALL                        By:   /s/ DAVID CHAPMAN
  -------------------------                         ---------------------------
Name:    LENNART MENGWALL                        Name:     DAVID CHAPMAN
     ---------------------                           --------------------------
Title:   CHAIRMAN & CEO                          Date:    3/11/99
      -------------------                             -------------------------
Date:    3/11/99
      --------------------


<PAGE>

                              PRIMIX SOLUTIONS INC.

               INCENTIVE STOCK OPTION AGREEMENT (1995 STOCK PLAN)

                                    EXHIBIT A

Optionee:                                           DAVID CHAPMAN
                                       ----------------------------------------
Option Grant Date:                                 MARCH 11, 1999
                                       ----------------------------------------
Option Shares:                                         23,140
                                       ----------------------------------------
Option Exercise Price per Share:                      $ 2.438
                                       ----------------------------------------
Expiration Date:                         TEN (10) YEARS FROM OPTION GRANT DATE

Vesting:                          This Option shall vest and become exercisable
                                  over four years, as follows:

                                  25% shall vest on March 11, 2000

                                  75% shall vest in twelve equal quarterly
                                  installments of 6.25% each, with the first
                                  such installment vesting on June 11, 2000, and
                                  with the remaining 11 installments vesting on
                                  the subsequent September 11, December 11, and
                                  March 11 of each year.

Special Terms:                    Options detailed on this exhibit are subject
                                  to certain conditions as outlined in the
                                  attached amendment.

This Exhibit A is made a part of, and is subject to the terms and conditions of,
the attached Incentive Stock Option Agreement between Primix Solutions, Inc. and
the Optionee signing below. In the event of any inconsistency between the terms
of this Exhibit A and the terms of the Incentive Stock Option Agreement, the
terms of this Exhibit A shall control.

By signing below, the parties acknowledge and agree to the foregoing terms and
conditions.

Primix Solutions, Inc.                                Optionee

By: /s/ LENNART MENGWALL                        By: /s/ DAVID CHAPMAN
   -----------------------                        -------------------------
Name:   LENNART MENGWALL                        Name:  DAVID CHAPMAN
     ---------------------                           ----------------------
Title: CHAIRMAN & CEO                           Date:    3/11/99
      --------------------                            ----------------------
Date:    3/11/99
      -------------------


<PAGE>

                              PRIMIX SOLUTIONS INC.

               INCENTIVE STOCK OPTION AGREEMENT (1995 STOCK PLAN)

                                    EXHIBIT A

Optionee:                                               DAVID CHAPMAN
                                           -------------------------------------
Option Grant Date:                                     MARCH 11, 1999
                                           -------------------------------------
Option Shares:                                                6
                                           -------------------------------------
Option Exercise Price per Share:                          $ 2.438
                                           -------------------------------------
Expiration Date:                           TEN (10) YEARS FROM OPTION GRANT DATE

Vesting:                                    This Option shall vest and become
                                            exercisable over four years, as
                                            follows:

                                            10.00% shall vest on December 11,
                                            2000

                                            The remainder shall vest in nine
                                            equal quarterly installments of
                                            10.00% each, with the first such
                                            installment vesting on March 11,
                                            2001, and with the remaining 8
                                            installments vesting on the
                                            subsequent June 11, September 11,
                                            and December 11 of each year.

Special Terms:                              Options detailed on this exhibit are
                                            subject to certain conditions as
                                            outlined in the attached amendment.

This Exhibit A is made a part of, and is subject to the terms and conditions of,
the attached Incentive Stock Option Agreement between Primix Solutions, Inc. and
the Optionee signing below. In the event of any inconsistency between the terms
of this Exhibit A and the terms of the Incentive Stock Option Agreement, the
terms of this Exhibit A shall control.

By signing below, the parties acknowledge and agree to the foregoing terms and
conditions.

Primix Solutions Inc.                                  Optionee

By:/s/ LENNART MENGWALL                        By: /s/ DAVID CHAPMAN
   -------------------------                      ------------------------

Name:    LENNART MENGWALL                      Name:     DAVID CHAPMAN
     ------------------------                       ------------------------

Title:   CHAIRMAN & CEO                        Date:    3/11/99
      ------------------------                      ------------------------

Date:    3/11/99


<PAGE>

                              PRIMIX SOLUTIONS INC.

               INCENTIVE STOCK OPTION AGREEMENT (1995 STOCK PLAN)

                                    EXHIBIT A

Optionee:                                               DAVID CHAPMAN
                                           -------------------------------------
Option Grant Date:                                     MARCH 11, 1999
                                           -------------------------------------
Option Shares:                                               488
                                           -------------------------------------
Option Exercise Price per Share:                          $ 2.438
                                           -------------------------------------
Expiration Date:                           TEN (10) YEARS FROM OPTION GRANT DATE

Vesting:                                    This Option shall vest and become
                                            exercisable over four years, as
                                            follows:

                                            10.00% shall vest on December 11,
                                            2000

                                            The remainder shall vest in nine
                                            equal quarterly installments of
                                            10.00% each, with the first such
                                            installment vesting on March 11,
                                            2001, and with the remaining 8
                                            installments vesting on the
                                            subsequent June 11, September 11,
                                            and December 11 of each year.

Special Terms:                              Options detailed on this exhibit are
                                            subject to certain conditions as
                                            outlined in the attached amendment.

This Exhibit A is made a part of, and is subject to the terms and conditions of,
the attached Incentive Stock Option Agreement between Primix Solutions, Inc. and
the Optionee signing below. In the event of any inconsistency between the terms
of this Exhibit A and the terms of the Incentive Stock Option Agreement, the
terms of this Exhibit A shall control.

By signing below, the parties acknowledge and agree to the foregoing terms and
conditions.

Primix Solutions Inc.                                     Optionee

By:      /s/ LENNART MENGWALL               By:      /s/ DAVID CHAPMAN
   -----------------------------               ------------------------------
Name:    LENNART MENGWALL                   Name:     DAVID CHAPMAN
      -----------------------------               -----------------------------
Title:   CHAIRMAN & CEO                     Date:    3/11/99
       -----------------------------              -----------------------------
Date:    3/11/99
      -----------------------------


<PAGE>

                              PRIMIX SOLUTIONS INC.

               INCENTIVE STOCK OPTION AGREEMENT (1995 STOCK PLAN)

                                    EXHIBIT A

Optionee:                                               DAVID CHAPMAN
                                           -------------------------------------
Option Grant Date:                                     MARCH 11, 1999
                                           -------------------------------------
Option Shares:                                              3,906
                                           -------------------------------------
Option Exercise Price per Share:                          $ 2.438
                                           -------------------------------------
Expiration Date:                           TEN (10) YEARS FROM OPTION GRANT DATE

Vesting:                                    This Option shall vest and become
                                            exercisable over four years, as
                                            follows:

                                            20.00% shall vest on March 11, 2002

                                            The remainder shall vest in four
                                            equal quarterly installments of
                                            20.00% each, with the first such
                                            installment vesting on June 11,
                                            2002, and with the remaining 3
                                            installments vesting on the
                                            subsequent September 11, December
                                            11, and March 11.

Special Terms:                              Options detailed on this exhibit are
                                            subject to certain conditions as
                                            outlined in the attached amendment.

This Exhibit A is made a part of, and is subject to the terms and conditions of,
the attached Incentive Stock Option Agreement between Primix Solutions, Inc. and
the Optionee signing below. In the event of any inconsistency between the terms
of this Exhibit A and the terms of the Incentive Stock Option Agreement, the
terms of this Exhibit A shall control.

By signing below, the parties acknowledge and agree to the foregoing terms and
conditions.

Primix Solutions Inc.                                   Optionee

By:   /s/ LENNART MENGWALL                  By:      /s/ DAVID CHAPMAN
   -------------------------                   ----------------------------
Name:    LENNART MENGWALL                   Name:     DAVID CHAPMAN
     -------------------------                   -------------------------
Title:   CHAIRMAN & CEO                     Date:    3/11/99
       -------------------------                  -------------------------
Date:    3/11/99
     -------------------------


<PAGE>

                              PRIMIX SOLUTIONS INC.

               INCENTIVE STOCK OPTION AGREEMENT (1995 STOCK PLAN)

                                    EXHIBIT A

Optionee:                                               DAVID CHAPMAN
                                           -------------------------------------
Option Grant Date:                                     MARCH 11, 1999
                                           -------------------------------------
Option Shares:                                               833
                                           -------------------------------------
Option Exercise Price per Share:                          $ 2.438
                                           -------------------------------------
Expiration Date:                           TEN (10) YEARS FROM OPTION GRANT DATE

Vesting:                                    This Option shall vest and become
                                            exercisable over four years, as
                                            follows:

                                            8.333% shall vest on June 11, 2000

                                            The remainder shall vest in eleven
                                            equal quarterly installments of
                                            8.333% each, with the first such
                                            installment vesting on September 11,
                                            2000, and with the remaining 10
                                            installments vesting on the
                                            subsequent December 11, March 11,
                                            and June 11 of each year.

Special Terms:                              Options detailed on this exhibit are
                                            subject to certain conditions as
                                            outlined in the attached amendment.

This Exhibit A is made a part of, and is subject to the terms and conditions of,
the attached Incentive Stock Option Agreement between Primix Solutions, Inc. and
the Optionee signing below. In the event of any inconsistency between the terms
of this Exhibit A and the terms of the Incentive Stock Option Agreement, the
terms of this Exhibit A shall control.

By signing below, the parties acknowledge and agree to the foregoing terms and
conditions.

Primix Solutions Inc.                                         Optionee

By:      /s/ LENNART MENGWALL               By:      /s/ DAVID CHAPMAN
    -------------------------                   -------------------------
Name:    LENNART MENGWALL                   Name:    DAVID CHAPMAN
     -------------------------                   -------------------------
Title:   CHAIRMAN & CEO                     Date:    3/11/99
      -------------------------                   -------------------------
Date:    3/11/99
     -------------------------


<PAGE>

                              PRIMIX SOLUTIONS INC.

               INCENTIVE STOCK OPTION AGREEMENT (1995 STOCK PLAN)

                                    EXHIBIT A

Optionee:                                               DAVID CHAPMAN
                                           -------------------------------------
Option Grant Date:                                     MARCH 11, 1999
                                           -------------------------------------
Option Shares:                                              2,500
                                           -------------------------------------
Option Exercise Price per Share:                          $ 2.438
                                           -------------------------------------
Expiration Date:                           TEN (10) YEARS FROM OPTION GRANT DATE

Vesting:                                    This Option shall vest and become
                                            exercisable over four years, as
                                            follows:

                                            12.50% shall vest on June 11, 2001

                                            The remainder shall vest in seven
                                            equal quarterly installments of
                                            12.50% each, with the first such
                                            installment vesting on September 11,
                                            2001, and with the remaining 6
                                            installments vesting on the
                                            subsequent December 11, March 11,
                                            and June 11 of each year.

Special Terms:                              Options detailed on this exhibit are
                                            subject to certain conditions as
                                            outlined in the attached amendment.

This Exhibit A is made a part of, and is subject to the terms and conditions of,
the attached Incentive Stock Option Agreement between Primix Solutions, Inc. and
the Optionee signing below. In the event of any inconsistency between the terms
of this Exhibit A and the terms of the Incentive Stock Option Agreement, the
terms of this Exhibit A shall control.

By signing below, the parties acknowledge and agree to the foregoing terms and
conditions.

Primix Solutions Inc.                                         Optionee

By:      /s/ LENNART MENGWALL               By:       /s/ DAVID CHAPMAN
   -------------------------                    -------------------------
Name:    LENNART MENGWALL                   Name:     DAVID CHAPMAN
     -------------------------                   -------------------------
Title:   CHAIRMAN & CEO                     Date:    3/11/99

Date:    3/11/99
     -------------------------


<PAGE>

                               NOTICE OF EXERCISE

                                                              DATE:
                                                                   ------------

Primix Solutions Inc.
One Arsenal Marketplace
Watertown, MA 02472

ATTENTION:  JOAN REILLY GRIFFIN
-------------------------------

Dear Ms. Reilly Griffin:

         Pursuant to my Incentive Stock Option Agreement and Exhibit A dated as
of ,I hereby elect to exercise this Option to the extent indicated:

<TABLE>
<CAPTION>


----------------------- --------------------------- ---------------------------- ----------------------------
<S>                      <C>                         <C>                           <C>
      Grant Date          No. of shares which I      X   Per share price             =    Total Price
                            elect to purchase
----------------------- --------------------------- ---------------------------- ----------------------------
                                                       $                          $
----------------------- --------------------------- ---------------------------- ----------------------------
                                                       $                          $
----------------------- --------------------------- ---------------------------- ----------------------------
                                                       $                          $
----------------------- --------------------------- ---------------------------- ----------------------------
                                                       $                          $
----------------------- --------------------------- ---------------------------- ----------------------------

</TABLE>


         Enclosed with this letter is full payment of the total price of the
shares described above in the following form;

-        a check in the amount of $ _____________ payable to the order of the
         Corporation.

         I agree to promptly provide you with a copy of the written confirmation
when I sell the shares which are being purchased pursuant to the option
exercise, indicating the date of sale and the net sale proceeds to me.

         Kindly issue a certificate or certificates to me representing the
shares which I am acquiring by this exercise, and deliver it to my address.

                                              Very truly yours,

                                               -------------------------------

                                               Name (Print):
                                                            ------------------