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                                                                  EXHIBIT 10.16



                      PARK EAST OFFICE BUILDINGS I AND II
                         3733 AND 3737 PARK EAST DRIVE
                                BEACHWOOD, OHIO

                                LEASE AGREEMENT

          This Lease Agreement ("Lease") entered into at Cleveland, Ohio as of
the 29th day of July, 1998, between PARK EAST REALTY CO., an Ohio corporation
(hereinafter called "Lessor"), and Insurquote/IAS, Inc., a Utah Corporation
(hereinafter called "Lessee").

                                  WITNESSETH:

    1.    Leased Premises. For the rent and term and upon the terms, conditions,
limitations and provisions hereinafter set forth, Lessor leases to Lessee and
Lessee leases from Lessor the premises described and identified in Exhibit A,
attached hereto and incorporated by reference herein (hereinafter called
"Leased Premises").

          This Lease is granted and accepted upon the terms, covenants and
conditions herein contained and each of the parties covenants and agrees to
keep, perform and observe all the terms, covenants and conditions herein
contained on its or his part to be kept, performed and observed.

    2.    Term. The term of this Lease shall be for Thirty-Six (36) months
commencing on the first day of January, 1999, and ending on the 31st day of
December, 2001, unless sooner terminated as hereinafter provided (the "Term").

    3.    Use and General Obligations of Lessee. Lessee shall use and occupy the
Leased Premises only for general office use specific to its business, which
from time to time may include repair and service of equipment and for no other
purposes. Except with respect to those obligations of Lessor undertaken
hereunder, Lessee shall keep said Leased Premises at all times in good order,
condition and repair, and shall also keep said Leased Premises in a clean,
sanitary and safe condition in accordance with the laws of the State of Ohio,
of the United States, of Cuyahoga County, Ohio, and of the City of Beachwood,
Ohio, and in accordance with all directions, rules and regulations of the
health office, fire marshal, building inspector or other proper officers of the
governmental agencies having jurisdiction over the Leased Premises, at the sole
cost and expense of Lessee, and Lessee shall comply with all requirements of
law, ordinance or otherwise, affecting said Leased Premises. Lessee shall pay
on demand for any extraordinary use of heat, air conditioning, electricity or
water because of any special needs or practices of Lessee. Lessee shall permit
no waste or nuisance upon or damage or injury to said Leased Premises or
utilities supplied thereto; and, at the expiration of the tenancy created
hereunder, Lessee shall surrender said Leased Premises in as good condition and
repair as they were at the time Lessee took possession, excepting reasonable
wear and tear, loss through fire or other insured casualty or act of God.
Lessee agrees that Lessee shall commit no act which will cause either Lessee or
Lessor to be in noncompliance with the zoning ordinances of the City of
Beachwood, Ohio.


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    4.    Rent. Lessee shall pay Lessor without demand as rent for the Leased
Premises an annual amount equal to the greater of (i) Four Hundred Seventy Two
Thousand Two Hundred Dollars ($472,200.00) hereinafter called "Base Rent" or
(ii) the Adjusted Rent as calculated from time to time pursuant to the
provisions set forth in Paragraph 6 of this Lease, whichever sum is greater for
the Term. Lessee shall pay Lessor Base Rent in consecutive monthly installments
of Thirty Nine Thousand Three Hundred Fifty Dollars ($39,350.00) each payable
in advance, without deduction or set off, in the legal tender of the United
States of America, on the first day of each and every calendar month during said
Term commencing January 1, 1999, at the offices of Calabrese, Racek Management,
Inc., 1110 Euclid Avenue, Suite 300, Cleveland, Ohio 44115, or at such other
place as Lessor may from time to time in writing designate. Lessee shall pay
Lessor adjusted rent at the times specified in paragraph 6 of this Lease. Rent
and all other charges hereunder not paid by Lessee when due shall bear interest
at the rate of twelve percent (12%) per annum thereafter until paid commencing
fifteen (15) days after receipt of written notice from Lessor to Lessee.

    5.    Definitions. As used in this Lease, the following terms shall have the
following respective meanings:

          (a) "Base Year" - The full calendar year commencing January 1, 1999,
          and ending December 31, 1999.

          (b) "Buildings" - Park East Office Buildings I and II, 3733 and 3737
          Park East Drive, Beachwood, Ohio. "Building" - The Building in which
          the Leased Premises is situated as set forth in Exhibit A to this
          Lease.

          (c) "Comparison Year" - The first full calendar year following the
          Base Year and each subsequent full calendar year, or fraction thereof
          at the termination of this Lease, during which this Lease shall
          continue in effect.

          (d) "Lessee's Share" - The percentage which the rentable area of said
          Leased Premises is of the total rentable area of the Buildings, which
          percentage is agreed upon by Lessor and Lessee as being Thirty Nine
          Point Ninety Two percent (39.92%). In the event that additional areas
          shall be included under this Lease, said agreed percentage shall be
          proportionately increased.

          (e) "Operating Expenses" - Those expenses incurred during the year,
          whether the Base Year or a Comparison Year, in respect of the
          operation and maintenance of the Buildings, including without
          limitations landscaping, grounds, driveways, sidewalks and outside
          parking areas contiguous to the Buildings, in accordance with
          accepted principles of sound management and accounting practices as
          applied to the operation and maintenance of first-class office
          Buildings, and including without limitation thereof, cost of
          insurance, materials and supplies, labor, electricity,
          air-conditioning, repairs and maintenance, window washing,
          management, rubbish removal and other services. Notwithstanding the
          foregoing, Operating Expenses but shall not include:

                  (i) expenses for painting, redecorating, or other work
                  performed for other tenants' Leased Premises in the Buildings
                  other than painting, redecorating and other work which is
                  standard for the Buildings;



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                  (ii) expenses for repairs occasioned by fire, windstorm or
                  other insurable casualty;

                  (iii) expenses incurred in leasing or procuring new tenants
                  including lease commissions, advertising expenses and
                  expenses of renovating space for new tenants;

                  (iv) interest or amortization payment of any mortgages.

          (f) "Taxes" - The taxes and assessments, special or otherwise,
          including expenses incurred in connection with disputing or
          contesting the amount thereof, levied or assessed for the year in
          questions, by any federal, state, county or municipal government
          whether the Base Year or a Comparison Year, or a partial year, upon
          or with respect to the Buildings and the parcels of land upon which
          they are located.

    6.    Adjusted Rent. In the event the amount of the Taxes and/or Operating
Expenses for any Comparison Year exceed those for the Base Year, the rent for
such Comparison Year shall be increased by an amount equal to Lessee's Share of
the net aggregate increase in the amount of Taxes and/or Operating Expense for
the Comparison Year over those for the Base Year (the "Adjusted Rent");
provided, however, that any increase in Operating Expenses incurred in a
Comparison Year resulting solely from the leasing to other tenants in the
Buildings of space which was not leased for the entire Base Year, rather than
resulting from an increase in costs, shall not be considered as part of
Operating Expenses in such Comparison Year. The Adjusted Rent for any
Comparison Year shall serve as an estimate of the Adjusted Rent to become due
for the next succeeding Comparison Year and this amount shall be paid in twelve
equal consecutive monthly installments during such next succeeding Comparison
Year. Any overpayments or underpayments of the Adjusted Rent for any Comparison
Year shall be settled and accounted for as soon as reasonably possible after
the close of such Comparison Year, and Lessor shall furnish Lessee a statement
showing such amount of overpayment or underpayment. For any fractional portion
of a calendar year at the termination of this Lease, any such overpayment or
underpayment shall be settled and accounted for in the same manner (including
the furnishing of a statement) as at the end of a Comparison Year, taking into
consideration, however, and properly adjusting for the fractional portion of
such calendar year.

          Lessor shall keep and make available to Lessee, for a period of sixty
(60) days after statements above referred to are rendered to Lessee, records in
reasonable detail of Taxes and Operating Expenses for the period covered by
such statement or statements and shall permit Lessee and the representatives of
Lessee to examine and audit such statements at any reasonable time during
business hours. If Lessee shall dispute any item or items included by Lessor in
determining Taxes or Operating Expenses for the Base Year or any Comparison
Year, and such dispute is not amicably settled between Lessor and Lessee within
thirty (30) days after such statement has been rendered, either party may,
during the twenty (20) days next following the expiration of said thirty (30)
day period, notify the other of the election to arbitrate said dispute and may
then refer such disputed item or items to a reputable firm of independent
certified public accountants selected by Lessor and Lessee for decision and the
decision of such firm shall be conclusive and binding upon Lessor and Lessee.
The expense involved in such determination shall be borne by the party against
whom a decision is rendered by said accountants, provided that if more than one
item is disputed and the decision shall be in part against each party, the




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expenses shall be fairly apportioned by said accountants. If Lessee shall not
dispute any item or items of any such statement within thirty (30) days after
such statement has been rendered, Lessee shall be deemed to have approved such
statement.

          Any overpayments or underpayments shall be payable upon
approval of the statement, upon settlement of the amount due in case of
disputes, or upon the decision of such firm of accountants in the case of
unsettled disputes, as the case may be, except, however, any overpayments by
Lessee shall be applied to rent or other charges due Lessor from Lessee.

    7.    Utilities and Services.

          (a) Provided Lessee is not in default under any of the covenants and
          agreements of this Lease, Lessor shall furnish Lessee the following
          services:

                  (i) cleaning, janitor and window washing services standard
                  (i.e., determined as to both quantity and quality solely by
                  Lessor) for the Building (Lessee may provide its own cleaning
                  and janitor services, in which case Lessee shall be entitled
                  to a reduction in rent equal to the sum Lessor would have
                  expended for such services if such services had been
                  furnished by Lessor to Lessee, based upon the same rate or
                  formula which Lessor then expends for similar services
                  furnished by Lessor to its other tenants in the Buildings.
                  However, such services shall be at Lessee's sole
                  responsibility and expense and shall always be subject to
                  supervision by Lessor);

                  (ii) heating, ventilating and air-conditioning services
                  during the term of this Lease and water, subject however to
                  all other terms and conditions hereof, all of which, together
                  with access to the Leased Premises, parking areas and common
                  areas and facilities of the Building shall be furnished to
                  Lessee twenty-four (24) hours per day, seven (7) days per
                  week, but Lessor shall be required to keep the parking areas
                  free from snow only between 8:00 A.M. and 6:00 P.M. on
                  weekdays and 8:00 A.M. to noon on Saturdays;

                  (iii) as long as Lessor provides electrical service in the
                  Building, Lessee shall obtain all such service used in said
                  Leased Premises from Lessor and shall pay Lessor therefore,
                  based on usage determined by sub-metering said Leased
                  Premises, at standard Building Rates. In no event shall the
                  rate charged Lessee herein be in excess of the then published
                  commercial rate. Upon not less than sixty (60) days prior
                  written notice to Lessee, Lessor may cease to provide
                  electrical service to said Leased Premises without liability
                  or responsibility to Lessee except to connect, within the
                  period of said notice, the electrical system of said Leased
                  Premises with another source of electrical service;
                  thereafter, Lessee shall pay the charges for such service
                  directly to the public utility, or municipal corporation
                  supplying the same, upon billings thereof. Any new or
                  additional electrical facilities in or servicing said Leased
                  Premises required by Lessee shall be installed, furnished,
                  maintained and made by Lessor at Lessee's expense. All
                  expense of maintenance and cleaning of fluorescent lighting
                  equipment located in said Leased Premises shall be borne by
                  Lessee; and all electricity used during cleaning service or
                  alterations and repairs in said Leased Premises shall be paid
                  for by Lessee.




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         (b)      Lessee covenants and agrees that:


                  (i) Lessee at all times shall cooperate fully with Lessor
                  with respect to, and shall observe all reasonable regulations
                  which Lessor may from time to time establish, for the proper
                  functioning, protection and control of Lessor's
                  air-conditioning equipment;

                  (ii) Lessor, through Lessor's agents and employees, at all
                  reasonable times shall have the right to enter said Leased
                  Premises and to have free access to Lessor's equipment and
                  the components thereof located on said Leased Premises for
                  the purpose of the repair, maintenance and preservation of
                  the same;

                  (iii) Lessee will not damage or abuse Lessor's equipment nor
                  permit the same to be done; and

                  (iv) neither Lessee nor Lessee's agents, employees or
                  invitees shall tamper with, or otherwise in any manner
                  adversely affect, the mechanical or electrical components of
                  said equipment, and any damage to the same caused by the
                  willful or negligent act or acts of Lessee or Lessee's
                  agents, employees or invitees shall be paid for by Lessee
                  promptly upon receipt of a statement of the amount thereof.

          (c)     Lessee shall pay Lessor's charges for water and sewer, gas,
          electrical and other services within fifteen (15) days after the
          rendering of each statement of account. The charge for water and
          sewer shall be "Lessee's Share" of total water and sewer charges, and
          gas charges shall be based on gas usage determined by sub-metering
          the Leased Premises of Lessee. The charge for water and sewer and gas
          shall be at the same rate as charged by the utilities providing same.
          Failure to pay either the rent reserved or any other charges
          hereunder when due shall entitle Lessor, upon not less than fifteen
          (15) days written notice, to discontinue furnishing water, electrical
          or other services to Lessee, and no such discontinuance of services
          shall be deemed an eviction or disturbance of Lessee's use of said
          Leased Premises, nor render Lessor liable to Lessee for damages, nor
          relieve Lessee from the performance of Lessee's covenants and
          agreements hereunder.

          (d)     Lessor shall keep and make available to Lessee, for a period
          of six (6) months after statements of account above referred to are
          rendered to Lessee, records of all water and utility charges for the
          period covered by such statements and shall permit Lessee and the
          representatives of Lessee to examine and audit such statements and
          charges at any reasonable time during business hours.

          (e)     Lessor, while not warranting that any of the Building's
          services stipulated in Paragraph 7(a) will be free from interruptions
          or suspensions caused by repairs, renewals, improvements, alterations,
          strikes, lockouts, accidents, inability of Lessor to procure such
          service, or to obtain fuel or supplies, or for other cause or causes
          beyond Lessor's reasonable control, will nevertheless diligently
          attempt to make such repairs or renewals to Building distribution
          lines and facilities as may be required to restore any such service so
          interrupted or suspended. An interruption or suspension of, or
          fluctuation in, any Building service (resulting from any of said cause
          or causes) shall never be deemed an eviction or disturbance of
          Lessee's use and possession of said Leased




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         Premises, or any part thereof, nor render Lessor liable to Lessee for
         damages unless due to Lessor's negligence nor relieve Lessee from
         performance of Lessee's covenants and agreements hereunder. In the
         event, as a result of the interruption of service, Lessee's premises
         are not tenantable for a period in excess of 30 days, then rent shall
         be abated until the condition is corrected.

8.       Reserved Rights of Lessor. Lessor reserves the following rights:

         (a)      to change the street address or name of the Buildings or the
         unit number of said Leased Premises or the arrangement or location of
         entrances, passageways, doors, doorways, corridors, stairs, toilets or
         other public parts of the Buildings without liability to Lessee;

         (b)      to designate all sources furnishing sign painting and
         lettering;

         (c)      to enter during the last ninety (90) days of the term,
         provided Lessee shall have removed substantially all of Lessee's
         property from said Leased Premises, for the purpose of altering,
         remodeling, repairing, renovating or otherwise preparing said Leased
         Premises for re-leasing;

         (d)      to grant anyone the exclusive privilege of conducting any
         particular business or activity in the Buildings;

         (e)      to enter said Leased Premises at all reasonable times, with
         prior notification to a designated employee of Lessee (1) for the
         making of inspections and repairs to said Leased Premises or the
         Buildings as Lessor may deem necessary or desirable; (2) to exhibit
         said Leased Premises to others during the last six (6) months of the
         Term hereunder; and (3) for any purpose whatsoever related to the
         safety, protection, preservation or improvement of said Leased Premises
         or of the Buildings or of Lessor's interest;

         (f)      at any time or times Lessor, either voluntarily or pursuant to
         governmental requirements, may, at Lessor's expense, make repairs,
         alterations or improvements in or to the Buildings or any part
         thereof, and during such times may temporarily close public entrances,
         public doors, public corridors or other public facilities; and

         (g)      to charge Lessee any expense (including overtime or premium
         costs incurred by Lessor) in the event repairs, alterations, decorating
         or other work in said Leased Premises or the Buildings are, at Lessee's
         request, not made during ordinary business hours.

         Lessor may exercise all or any of the foregoing rights hereby reserved
without being deemed guilty of an eviction or disturbance of Lessee's use and
possession, without being liable in any manner to Lessee, and without
elimination or abatement of rent, or payment of other compensation, and such
acts shall in no way affect this Lease.

    9.   Delayed Possession. If Lessor shall be unable to deliver possession of
said Leased Premises on the date of the commencement of the Term hereby created
because of the holding over of any tenant, or tenants, or for any other cause
beyond Lessor's reasonable control, then the rent specified in paragraph 4 of
this Lease shall not commence until the date possession of said Leased Premises
is available to Lessee, and Lessee agrees to accept such allowance and
abatement of rent as liquidated damages, in full satisfaction for the failure
of Lessor so to deliver possession on said date of



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commencement, and to the exclusion of all claims and rights which Lessee might
otherwise have by reason of delivery of possession not being made on said date.
No failure so to deliver possession on said date shall in any event extend, or
be deemed to extend, the term of this Lease. Unfinished extra work, if any,
undertaken by Lessor for Lessee shall not be considered in determining the date
when possession is available to Lessee.

         In the event that Lessee shall occupy said Leased Premises or a
portion thereof prior to the commencement of the Term of this Lease with
Lessor's consent, all the provisions of this Lease shall be in full force and
effect during such period and rent shall be paid on a per diem basis up to the
date of commencement of the Term.

    10.  Lessee's Property. All personal property belonging to Lessee or to any
other person located in or about said Leased Premises or the Buildings shall be
there at the sole risk of Lessee or such other person, and neither Lessor nor
Lessor's agents or employees shall be liable for the theft or misappropriation
thereof, nor for any damage or injury thereto, nor for death or injury of
Lessee or any other persons or damage to property caused by fire, water, ice,
snow, frost, steam, heat, cold, dampness, falling plaster, explosions, sewers
or sewerage, gas, odors, noise, the bursting or leaking of pipes, plumbing,
electrical wiring, and equipment and fixtures of all kinds, or by any act or
neglect of other tenants or occupants of the Buildings or of any other person,
or caused in any other manner whatsoever unless due to the negligent act or
acts of Lessor. Lessee will protect, indemnify and save harmless Lessor from
all losses, costs or damages sustained by reason of any act or other occurrence
or failure to act causing death or injury to any person or damage to property
whomsoever or whatsoever due to the use or occupancy of said Leased Premises or
of the Buildings or any part thereof by Lessee, or due to any breach or default
on the part of Lessee in the performance of any covenant or agreement on the
part of Lessee to be performed, except losses, costs or damages proximately
resulting from the sole negligence of Lessor, Lessor's agents or employees.
Lessee covenants, upon notice from Lessor, to resist or defend, at Lessee's
expense, such action or proceeding by counsel reasonably satisfactory to
Lessor.

         If, because of any act or omission of Lessee or anyone claiming by,
through, or under Lessee, any mechanic's or other lien or order for the payment
of money shall be filed against said Leased Premises or the Buildings or
against Lessor (whether or not such lien or order is valid or enforceable as
such), Lessee shall, at Lessee's own cost and expense, cause the same to be
canceled and discharged of record within sixty (60) days after the date of
filing thereof and shall also indemnify and save harmless Lessor from and
against any and all costs, expenses, claims, losses or damages, including
reasonable counsel fees, resulting therefrom or by reason thereof.

    11.  Holding Over. Should Lessee remain in possession of said Leased
Premises after the expiration of the Term of this Lease with the consent of
Lessor, then, unless a new agreement in writing shall have been entered into
between the parties hereto, Lessee shall be a tenant from month to month, and
such tenancy shall otherwise be subject to all of the covenants and agreements
of this Lease, at a monthly rental equal to the last monthly installment of
rent payable hereunder.

    12.  Negative Covenants. Lessee shall not, without prior written consent of
Lessor in each instance, Lessor's consent herein shall not be unreasonably
withheld or delayed, (a) assign, mortgage, hypothecate or convey this Lease or
any interest therein; (b) allow any transfer thereof or any lien upon



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Lessee's interest by operation of law; (c) sublet said Leased Premises or any
part thereof; or (d) permit the use or occupancy of said Leased Premises or any
part thereof by anyone other than Lessee. Consent to any such assignment,
conveyance or subletting by Lessor shall not operate as a waiver of the
necessity for a consent to any subsequent assignment, conveyance or subletting,
and the terms of such consent shall be binding upon any person holding by,
under, or through Lessee. Such prior written consent of Lessor shall not
relieve Lessee from primary liability hereunder for the payment of rental or
performance or observance of any of the terms and conditions of this Lease.

    13.  No Lessor Representations. Taking of possession by Lessee shall be
conclusive evidence as against Lessee that said Leased Premises were in good
order and satisfactory condition when Lessee so took possession. No
representation respecting the condition of said Leased Premises or the
Buildings has been made by Lessor to Lessee unless contained herein; and no
promise of Lessor to prepare, alter or improve said Leased Premises for
Lessee's use and occupancy shall be binding upon Lessor unless contained
herein. This Lease does not grant any right to light or air over property
except over public ways kept open by public authority, and Lessor shall not be
liable to Lessee for any expense, injury, death, loss or damages resulting from
work done in or upon, or by reason of the use of, any adjacent or nearby
building, land, or public or private way. At the expiration, or earlier
termination in any manner, of the term hereof, Lessee shall quit and surrender
said Leased Premises together with all installations, improvements and
alterations (including curtains, carpeting and partitions) which may have been
installed by Lessor or Lessee (except that Lessee's other furniture, trade
fixtures and standard business office machines and equipment shall remain
Lessee's property, and provided Lessee is not in default hereunder, may and
upon Lessor's request shall be removed by Lessee) broom clean and in as good
condition and repair as when possession was delivered, reasonable use and wear,
loss or damage by fire, the elements or other casualty not resulting from the
willful or negligent acts of Lessee, Lessee's agents, employees or invitees
excepted, failing which Lessor may restore said Leased Premises to such
condition and Lessee shall pay the cost thereof.

    14.  Alterations. Lessee shall not make any major alterations, additions,
improvements (which exceed $2,500.00 in value) or other changes in or to said
Leased Premises or the Buildings, or attach, affix or build therein any
improvement or installation without Lessor's prior written consent in each and
every instance. Lessor's written consent shall not be unreasonably withheld or
delayed. Before any such work is done or any materials therefore are delivered
on said Leased Premises or into the Buildings, Lessee shall provide Lessor with
plans, specifications, names of contractors, copies of contracts and necessary
permits; shall indemnify and hold harmless Lessor against liens, costs, damages
and expenses of all kinds; and shall submit to Lessor's reasonable supervision
of said work. All additions, installations, alterations, permanent fixtures and
permanent improvements in and upon said Leased Premises, whether installed by
Lessee or Lessor, shall become Lessor's property, and shall remain upon, and be
surrendered with, said Leased Premises without disturbance or injury upon the
termination of this Lease by lapse of time or otherwise, all without payment or
credit to Lessee. Lessee shall have the right to place in said Leased Premises,
at such locations therein as Lessee may from time to time determine, Lessee's
furniture, trade fixtures and standard business office machines and equipment,
and such personal property shall be and remain the property of Lessee. Provided
Lessee is not in default hereunder, such personal property may be removed by
Lessee at any time during the lease term, and may be, and shall be upon
Lessor's request, removed upon expiration, or upon earlier termination of this
Lease in any manner. Lessee, however, agrees to repair at Lessee's expense any
damage to said Leased Premises or the Buildings caused by such removal.



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    15.  Use and Occupancy. Lessee shall take good care of said Leased Premises
and the fixtures and improvements therein, and will use said Leased Premises
during the Term for the purpose above specified and no other; will not commit
waste nor do any act harmful to the Buildings or the systems and equipment
therein; will not illegally sell or store therein any spirituous, malt or
vinous liquors, or any narcotic drugs; will not exhibit, sell or offer for sale
on said Leased Premises or in the Buildings anything whatsoever except such as
are essentially connected with the stated use of said Leased Premises; will not
make or permit any use of said Leased Premises which directly or indirectly, is
forbidden by ordinance, statute or government regulations, or by any
restrictions of record, or which may increase the premium cost of, or
invalidate, any policy of insurance carried on the Buildings or covering its
operation, and will comply with the Rules and Regulations appearing at the end
of this Lease, including changes thereto, which Rules and Regulations are made
a part hereof by reference. Lessee at Lessee's sole expense shall comply with
all laws, orders and regulations of federal, state, county and municipal
authorities and any direction or any public officer or officers, pursuant to
law which shall impose any liability, order or duty upon Lessor or Lessee with
respect to Lessee's use or occupancy of said Leased Premises. All repairs
required to be made as a result of Lessee's misuse or neglect of said Leased
Premises or of damage to, or defacement of, the Buildings or any part thereof,
by reason of Lessee's tenancy therein shall be made at Lessee's expense except
ADA requirements to the exterior building and common areas which shall be
complied with by Lessor at Lessor's sole cost and expense. Lessee shall give
immediate notice to Lessor in case of fire or accident in said Leased Premises
or of any defect, damage or injury therein or in any fixtures or equipment.

         Lessee shall not cause or permit any Hazardous Material (as hereafter
defined) to be brought upon, kept or used in or about the Leased Premises or
Buildings by Lessee, its employees, agents, contractors or invitees. As used
herein, the term "Hazardous Material" shall mean any hazardous or toxic
substance, material or waste (including but not limited to, those substances,
materials and wastes now or hereafter listed in the United States Department of
Transportation Hazardous Materials Table or by the Environmental Protection
Agency as hazardous substances), or such substances, materials and wastes the
use, storage, transportation, or disposal of which are or may become regulated
under any applicable federal, state or local law, regulation, code or
ordinance. If Lessee permits any Hazardous Material to be brought upon, kept or
used in or about the Leased Premises or Buildings that results in the violation
of any applicable law, regulation, code or ordinance or in the contamination of
the Leased Premises or Buildings, then Lessee shall indemnify, defend and hold
Lessor harmless from any and all claims, judgments, damages, penalties, fines,
costs, liabilities or losses, including but not limited to (i) diminution in
value of the Leased Premises or Buildings; (ii) damages for loss or restriction
on use of rentable or usable space or of any amenity in the Leased Premises or
Buildings; (iii) damages arising from any adverse impact on marketing of the
Leased Premises or Buildings; and (iv) sums paid in settlement of claims,
attorneys' fees, consulting fees and expert fees, which arise during or after
the term of the Lease, including but not limited to any claims for bodily
injury or death or for property damage, as a result of such violation or
contamination. This indemnification of Lessor by Lessee includes but is not
limited to costs incurred in connection with any investigation of site
conditions or clean-up, remedial removal or restoration work required by any
federal, state or local government agency or political subdivision because of
Hazardous Material present in the Leased Premises or Buildings or the soil or
ground water on which the Buildings located. Without limiting the foregoing, if
the presence of any Hazardous Material on the Leased Premises or Buildings
caused or permitted by Lessee results in any contamination of the Leased



                                       9
<PAGE>   10



Premises or Buildings, Lessee shall, upon request by Lessor, promptly take all
actions at its sole expense that are necessary to return the Leased Premises or
Buildings to the condition existing prior to the introduction or exposure of
any Hazardous Material in Leased Premises or Buildings. Lessee's obligations
hereunder shall survive the termination of this Lease and Lessee shall
indemnify, defend and hold harmless Lessor, its agents, employees and
contractors from and against, and, upon demand, reimburse Lessor for all
claims, demands, liabilities, losses, damages, judgments, penalties, costs and
expenses, including attorneys' fees, incurred by Lessor as a consequence of
Lessee's breach of its obligations hereunder.

    16.  Damage: Untenantability. If said Leased Premises shall be partially
damaged by fire or other casualty, the damage to said Leased Premises (but not
to Lessee's property, which shall remain the responsibility of Lessee to repair
or replace) shall be repaired by and at the expense of Lessor. Notwithstanding
the foregoing, however, fire or other casualty damage to the Leased Premises in
amounts of One Thousand Dollars ($1,000.00) or less per occurrence shall be
repaired by and at the expense of Lessee. Lessor shall incur no liability on
account of any delay in the completion of such repairs which may arise by
reason of adjustment of insurance, labor difficulties or any other cause beyond
Lessor's control. If all or substantially all of said Leased Premises or the
Buildings are made unfit for occupancy by fire or other casualty, acts of God
or other causes, Lessor may elect (a) to terminate this Lease as of the date
when said Leased Premises or the Buildings are so made unfit for occupancy, by
written notice to Lessee within ninety (90) days after that date, or (b) to
repair, restore or rehabilitate said Leased Premises at Lessee's expense, or
the Buildings at Lessor's expense, within ninety (90) days after Lessor is
enabled to take possession of the damaged Leased Premises and undertake
reconstruction or repairs; and if Lessor elects so to repair, restore or
rehabilitate said Leased Premises or the Buildings this Lease shall not
terminate, except as hereinafter provided, but rent shall be abated on a per
diem basis proportionate to the extent and for the period that said Leased
Premises are unfit for occupancy. In the event Lessor shall proceed under (b)
above and shall not substantially complete the work within said ninety (90) day
period (excluding from said period loss of time resulting from delays beyond
the reasonable control of Lessor) either Lessor or Lessee may then terminate
this Lease, as of the date when said Leased Premises or the Buildings were so
made unfit for occupancy, by written notice to the other not later than ten
(10) days after the expiration of said ninety (90) day period, computed as
herein provided.

    17.  Remedies of Lessor. All rights and remedies of Lessor herein set forth
are in addition to any and all rights and remedies which are or may be
available to Lessor at law or in equity.

         (a)     If any voluntary or involuntary petition or similar pleading
         under any Act of Congress relating to bankruptcy shall be filed by or
         against Lessee, or if any voluntary or involuntary proceedings in any
         court or tribunal shall be instituted by or against Lessee to declare
         Lessee insolvent or unable to pay Lessee's debts, then in any such
         event Lessor may, if Lessor so elects, with notice of such election and
         with or without entry or other action by Lessor, forthwith terminate
         this Lease and Lessee's right to possession of said Leased Premises,
         and, notwithstanding any other provisions hereof. Lessor shall
         forthwith



                                      10
<PAGE>   11




         upon such termination be entitled to recover damages in an amount
         equal to the then present value of the rent specified in paragraph 4
         of this Lease for the entire residue of the stated Term hereof.

         (b)     If Lessee shall fail to pay the rent specified in paragraph 4
         of this Lease when due, or within ten (10) days thereafter or fails to
         pay Lessor's charges for water, sewer, gas, electrical or other
         services within twenty (20) days after rendition of statements, or
         defaults in the prompt and full performance of any of Lessee's
         covenants and agreements hereunder, and said latter default is not
         corrected within fifteen (15) days after notice from Lessor of said
         default, but shall not apply if the Lessee is commencing a cure to the
         problem and is diligently pursuing same, provided such cure is
         completed within 45 days after commencement of said cure, or if the
         leasehold interest of Lessee be levied upon under execution or be
         attached, or if Lessee makes an assignment for the benefit of
         creditors or if a receiver be appointed for any property of Lessee, or
         if Lessee abandons said Leased Premises, then and in any such event
         Lessor may, if Lessor so elects, and with or without notice of such
         election and with or without demand whatsoever, forthwith terminate
         this Lease and Lessee's right to possession of said Leased Premises.

         (c)     Upon the termination of this Lease, Lessee shall surrender
         possession and vacate said Leased Premises immediately, and Lessor may
         enter into and repossess said Leased Premises with or without process
         of law and remove all persons and property therefrom in the same
         manner and with the same right as if this Lease had not been made, and
         for the purpose of such entry and repossession Lessee waives any
         notice provided by law or otherwise to be given in connection
         therewith.

         (d)     If Lessor elects to terminate Lessee's right to possession,
         without terminating the Lease as above provided, Lessor may remove
         from said Leased Premises any and all property found therein and such
         repossession shall not release Lessee from Lessee's obligation to pay
         the rent reserved herein. After any such repossession by Lessor
         without termination of the Lease, Lessor shall make reasonable efforts
         to relet said Leased Premises, or any part thereof, as agent of Lessee
         to any person, firm, or corporation and for such time and upon such
         terms as Lessor, in Lessor's sole discretion, may determine. Lessor
         may make repairs, alterations and additions in and to said Leased
         Premises and redecorate the same to the extent deemed by Lessor
         necessary or desirable, and Lessee shall, upon demand, pay the cost
         thereof together with Lessor's expenses (including any broker's
         commission) of reletting. If the rents collected by Lessor upon any
         such reletting are not sufficient to pay monthly the full amount of
         the rent reserved herein together with the costs of such repairs,
         alterations, additions, redecorating and expenses, Lessee shall pay to
         Lessor the amount of each monthly deficiency upon demand. If the rent
         so collected from any such reletting is more than sufficient to pay
         the full amount of the rent reserved herein together with the costs of
         such repairs, alterations, additions, redecorating and expenses,
         Lessor, at the end of the stated term of this Lease, shall account to
         Lessee for any surplus.



                                      11
<PAGE>   12




         (e)     Any and all property which may be removed from said Leased
         Premises by Lessor may be handled, removed, stored or otherwise
         disposed of by Lessor at the risk and expense of Lessee, and Lessor
         shall in no event be responsible for the preservation or safe-keeping
         thereof. Lessee shall pay to Lessor, upon demand, any and all expenses
         incurred in such removal and all storage charges against said property
         so long as the same shall be in Lessor's possession or under Lessor's
         control. If any property shall remain in said Leased Premises or in
         the possession of Lessor and shall not be removed by Lessee within a
         period of thirty (30) days from and after the time when said Leased
         Premises are either abandoned by Lessee or repossessed by Lessor under
         the term of this Lease, said property shall presumptively be deemed to
         have been forever abandoned by Lessee.

         (f)     Paragraph (f) deleted.

         (g)     If Lessee shall default in performing any term, covenant or
         condition of this Lease on the part of Lessee to be performed by
         Lessee, which default may be cured by the expenditure of money, Lessor
         at Lessee's option may, but shall not be obligated to, on behalf of
         Lessee, expend such sum as may be necessary to perform and fulfill
         such term, covenant or condition, and any and all sums so expended by
         Lessor, with interest thereon at the rate of ten percent (10%) per
         annum from the date of such expenditure, shall be and be deemed to be
         additional rent, and shall be repaid by Lessee to Lessor on demand,
         but no such payment or expenditure by Lessor shall be deemed a waiver
         of Lessee's default nor shall it affect any other remedy of Lessor by
         reason of such default.

    18.  Mortgages, Attornment and Estoppel Certificates. Lessor shall have the
right at any time, and from time to time, to place or permit to be placed upon
the Buildings and/or the parcels of land upon which the Buildings and Leased
Premises are located, any one or more mortgages, which shall be wholly prior to
the rights of Lessee under this Lease and Lessee will within ten (10) days,
upon request by Lessor, execute any and all instruments deemed to Lessor
necessary or advisable to subject and subordinate this Lease and all rights
given Lessee hereunder to such mortgage or mortgages. In the event any
proceedings are brought for the foreclosure of any such mortgage, Lessee
covenants that Lessee will, to the extent of the Lessor's interest affected by
such foreclosure, attorn to the purchaser upon any such foreclosure sale and
recognize such purchaser's interest as Lessor under this Lease. Lessee agrees
to execute and deliver within ten (10) days at any time and from time to time,
upon the request of Lessor or of any such holder, any instrument which, in the
sole judgment of Lessor, may be necessary or appropriate in any such
foreclosure proceeding or otherwise to evidence such attornment. In the event
that Lessee fails to execute and deliver within ten (10) days any such
instrument, Lessee hereby appoints Lessor and the holder of any such mortgage
or either of them, the attorney-in-fact, irrevocably, of Lessee to execute and
deliver for and on behalf of Lessee any such instrument. Lessee further waives
the provisions of any statute or rule of law, now or hereafter in effect, which
may give or purport to give Lessee any right or election to terminate or
otherwise adversely affect this Lease and the obligation of Lessee hereunder in
the event any such foreclosure proceeding is brought, and agrees that this
Lease shall not be affected in any way whatsoever by any such foreclosure
proceeding. In exchange for Lessee's subordination agreement, Lessor shall
provide a non-disturbance agreement to Lessee from said mortgagee.




                                      12
<PAGE>   13


      Lessee agrees to furnish from time to time when requested by Lessor or the
holder of any mortgage covering the Leased Premises or Buildings or any interest
of Lessor therein, a certificate signed by Lessee to the effect (insofar as is
true) that this Lease is presently in full force and effect and unmodified; that
the Term of this Lease has commenced and the full rental is then accruing; that
the Lessee has accepted possession of the Leased Premises and that any
improvements required by the provisions of this Lease to be made by Lessor have
been completed to the satisfaction of Lessee; that no rent under this Lease has
been paid more than thirty (30) days in advance of its due date; that the
address for notices to be sent to Lessee is as set forth in this Lease; that
Lessee as of the date of such certificate has no charge, lien or claim of offset
under this Lease or otherwise against rents or other charges due or to become
due; and that to the knowledge of Lessee, Lessor is not then in default under
this Lease. Such certificate shall also contain an agreement by Lessee that from
the date of such certificate, Lessee will not to pay any rent under this Lease
more than thirty (30) days in advance of its due date, will not surrender or
consent to the modification of any of the terms of this Lease nor to the
termination of this Lease by Lessor and will not seek to terminate this Lease by
reason of any act or omission of Lessor until Lessee shall have given written
notice of such act or omission to the holder of such mortgage and until a
reasonable period of time has elapsed following the giving of such notice during
which period such holder or mortgagee shall have the right, but not the
obligation to remedy such act or omission. Lessee, upon the request of the
Lessor or any mortgagee of the Leased Premises or the Buildings, shall promptly
execute such instruments or certificates to carry out the intent of this
paragraph as shall be requested by Lessor or by any such mortgagee within ten
(10) days. In the event that Lessee fails to execute and deliver within ten (10)
days any such instrument or certificate, Lessee hereby irrevocably appoints
Lessor as attorney-in-fact for Lessee with full power and authority to execute
and deliver in the name of Lessee any such instruments or certificates.

    19.   Notices. In every instance where it shall be necessary or desirable
for Lessor to serve any notice or demand upon Lessee, or any other person
designated in writing for notice by Lessee, such notice or demand shall be
deemed sufficiently given or made if in writing and mailed to Lessee by
registered, or certified, United States mail, postage prepaid, addressed to
Lessee at the Buildings of which said Leased Premises are a part, and the time
of giving or making such notice or demand shall be deemed to be the time when
the same is mailed as herein provided. Any notice by Lessee to Lessor must be
sent by registered, or certified, United States mail, postage prepaid, addressed
to Lessor at the address where the last previous rent hereunder was paid and, in
addition, at any other address as Lessor may designate from time to time.

    20.   Common Areas. Lessee and Lessee's agents, employees, licensees, and
invitees shall have the right to use, in common with Lessor and Lessor's
tenants and the agents, employees, licensees and invitees of each, the public
sidewalks, entrances, lobbies, vestibules, stairways, corridors, public toilets
and other public areas of the Building; subject, however, to reasonable
applicable Building rules, regulations and security measures, provided they are
uniformly enforced in a non-discriminatory manner, and Lessee and Lessee's
agents, employees, licensees and invitees shall not obstruct or litter, or use
for storage (temporary or otherwise) or for the display of merchandise or
services or for any purpose other than the intended and normal purpose, any of
said public sidewalks, entrances, lobbies, vestibules, stairways, corridors,
public toilets and other public areas of said Buildings; and no floor mats,
runners, overshoes, rubbers, footwear or clothing shall be placed by Lessee or
Lessee's agents, employees, licensees or invitees in any Building corridor,
lobby or vestibule.



                                      13
<PAGE>   14



    21.   Eminent Domain. Lessee agrees with Lessor that if either (a) the
Buildings shall be appropriated, condemned, taken or otherwise acquired by any
public or quasi-public authority under the power of eminent domain,
condemnation or other proceedings, in whole or in such a part as to render the
remainder thereof no longer economically feasible to operate, as the Lessor
shall determine in Lessor's sole discretion, or (b) the whole or any part of
said Leased Premises shall be similarly appropriated, condemned, taken or
otherwise acquired, this Lease and the estate hereby created shall terminate
and wholly expire on the date legal title shall vest in the appropriator or
condemnor, and all rent shall be prorated and adjusted as of said date. In no
event whatsoever shall Lessee have any claim against Lessor by reason of any
appropriation, condemnation or taking of the whole or any part of said Leased
Premises, nor shall Lessee have any claim to the amount, or any portion
thereof, that may be awarded as damages or paid as a result of such
appropriation and taking. Lessee hereby assigns to Lessor all of Lessee's
right, title and interest in and to any and all amounts awarded or paid by
reason of such appropriation, condemnation and taking. Notwithstanding the
above, Lessee shall have the right to claim moving expenses and the like
provided same does not diminish Lessor's award.

    22.   Limitation of Lessor's Liability. (a) No receipt of money by Lessor
from Lessee with knowledge of the breach of any covenants of this Lease, or
after the termination hereof, or after the service of any notice, or after the
commencement of any suit, or after final judgment for possession of said Leased
Premises shall be deemed a waiver of such breach, nor shall it reinstate,
continue or extend the Term of this Lease or affect any such notice, or demand
or suit.

          (b) No reasonable delay on the part of Lessor in exercising any right,
          power or privilege hereunder shall operate as a waiver thereof, nor
          shall any single or partial exercise of any right, power or privilege
          preclude any other, or further, exercise thereof or the exercise of
          any other right, power or privilege.

          (c) No act done or thing said by Lessor or Lessor's agents or
          employees shall constitute a cancellation, termination or modification
          of the Lease, or a waiver of any covenant, agreement or condition
          hereof, nor relieve Lessee from Lessee's obligation to pay the rents
          reserved or other charges to be paid hereunder. Any waiver or release
          by Lessor and any cancellation, termination or modification of this
          Lease must be in writing signed by Lessor.

    23.   Insurance. Insofar as Lessor is able to do so without impairing
Lessor's right of recovery under any policy of fire and extended coverage
insurance on the Buildings, Lessor agrees and does hereby waive all rights of
recovery and causes of action against Lessee, Lessee's employees, servants,
agents and all parties claiming through or under Lessee for any damage to said
Leased Premises, caused by any of the perils covered by fire and extended
coverage insurance policies, notwithstanding the fact that said damage to or
destruction of said Leased Premises by fire or other casualty shall be due to
the negligence of Lessee or Lessee's employees, servants or agents. If the
premiums paid by Lessor for said fire and extended coverage insurance, during
the Term of this Lease are increased by reason of the foregoing, then Lessee
shall have the option to pay said increase. Lessee's failure to pay said
increase in insurance premiums, if any, after thirty (30) days notice to
Lessee, shall render Lessor's waiver, as contained in this Paragraph 23, null
and void. Likewise, insofar as Lessee is able to do so without impairing
Lessee's right of recovery under any policy of fire and extended coverage
insurance which the Lessee carries relative




                                      14
<PAGE>   15


to said Leased Premises, leasehold improvements or personal property contained
therein, the Lessee agrees to and does hereby waive all rights of recovery and
causes of action against the Lessor, Lessor's employees, servants, agents and
all parties claiming through or under the Lessor for any damage to the property
insured, caused by any of the perils covered by such fire and extended coverage
insurance policies, notwithstanding the fact that said damage to or destruction
of said Lessee's property by fire or other casualty shall be due to the
negligence of Lessor or Lessor's employees, servants or agents. If the premiums
paid by Lessee for such fire and extended coverage insurance during the term of
this Lease are increased by reason of the foregoing, then Lessor shall have the
option to pay such increases. Lessor's failure to pay such increase in
insurance premiums, if any, after thirty (30) days notice to Lessor, shall
render Lessee's waiver as contained in this Paragraph 23, null and void.

    24.  Rules and Regulations. Lessee and Lessee's agents, employees and
invitees shall faithfully observe, and strictly comply with the Rules and
Regulations set forth in Exhibit B attached hereto and made a part hereof, and
with such further Rules and Regulations as Lessor may, after notice to Lessee
from time to time adopt. Nothing in this Lease contained shall be construed to
impose upon Lessor any duty or obligation to enforce the Rules and Regulations
in any other lease of the Buildings as against any other lessee, and Lessor
shall not be liable to Lessee for violation of the same by any other lessee or
the agents, employees, licensees or invitees of such other lessee.

    25.  Offer by Agent. This Lease is offered to Lessee by an agent of Lessor
subject to Lessor's acceptance and approval. In the absence of fraud, no
person, firm or corporation, or the heirs, personal representatives, successors
and assigns, respectively, thereof, executing this Lease as agent,
administrator, executor, trustee, or in any other representative capacity shall
ever be deemed or held individually liable hereunder for any reason or cause
whatsoever.

    26.  Broker. Lessor and Lessee each represents and warrants to the other
that no broker negotiated or was instrumental in negotiating or consummating
this Lease except Calabrese, Racek and Markos, Inc., Lessor's agent, and
Cleveland Real Estate Partners, Lessee's Agent, and Lessor shall be solely
responsible for any commissions due Calabrese, Racek and Markos, Inc., and
shall indemnify and hold harmless Lessee against all claims for real estate
commissions and finder's fees by Calabrese, Racek and Markos, Inc. Calabrese,
Racek and Markos, Inc. agrees to pay Cleveland Real Estate Partners the
commission agreed upon between Mark Askelson and David Calabrese as full
payment.

    27.  Entire Agreement. This Lease (together with Exhibits A and B attached
hereto) contains the entire agreement between the parties hereto and shall not
be modified in any manner except by an instrument in writing executed by said
parties or their respective successors in interest.

    28.  Recording. If either of the parties hereto desire to record this Lease,
Lessor and Lessee agree to execute a Memorandum of this Lease, which Memorandum
of Lease may then be recorded in the office of the Recorder of Cuyahoga County,
Ohio. Upon written request of Lessor, Lessee will at any time and from time to
time execute with Lessor such forms of security agreement and financing
statements for filing as in the opinion of counsel for Lessor is reasonably
necessary to protect the rights, priorities and liens of Lessor hereunder.




                                      15
<PAGE>   16




    29.  Headings. The captions of paragraphs appearing in this Lease are
inserted only as a matter of convenience and for reference purposes, and in no
way define, limit or describe the scope and intent of this Lease, or any
paragraph hereof, nor in any way affect it.

    30.  Quiet Enjoyment. If Lessee shall (1) pay the rent reserved, the charges
for services stipulated herein and other amounts to be paid by Lessee to
Lessor, and (2) well and faithfully keep, perform and observe all of the
covenants, agreements, and conditions herein stipulated to be kept, performed
and observed by Lessee, Lessee shall at all times during the term of this Lease
have the peaceable and quiet enjoyment of said Leased Premises without
hindrance of Lessor or any person lawfully claiming under Lessor, subject,
however, to the terms of this lease and any mortgage provided for in this
Lease.

         The covenants, agreements and conditions contained in this Lease shall
bind and inure to the benefit of Lessor and Lessee and their respective heirs,
legal representatives, successors and assigns, subject, however, to the
provisions hereof requiring the consent of Lessor to any assignment of this
Lease or subletting of said Leased Premises.

    31.  Security Deposit. There shall be no security deposit for the space
herein.

    32.  Option to Renew. Provided that Lessee is not in default at the time for
exercise of this option, Lessee shall have one, two year option to extend this
lease. Lessee shall notify Lessor in writing of Lessee's option to renew the
lease for a two (2) year period (commencing January 1, 2002 and ending December
31, 2003) no later than April 1, 2001. In the event Lessee exercises its option
to renew this lease, all provisions of this lease shall remain in effect except
that the annual "base rent" specified in Paragraph 4 hereof shall be increased
from Four Hundred Seventy Two Thousand Two Hundred Dollars ($472,200.00) to
Four Hundred Eighty Seven Thousand Nine Hundred and Forty Four Dollars
($487,944.00). Rent subject to increase if expansion option is exercised.

    33.  Expansion Option. Lessee shall have an option to expand into Suite 206
(2,680 square feet) commencing June 1, 2001. This option is subordinate to the
existing tenant's right to renew. The rental rate and term of the expansion
space shall be equal and coterminus to the balance of Lessee's leasehold
interests in the building. Lessee may exercise this expansion option only if it
exercises its option to renew.

    34.  Full Execution. Open full execution of the lease, Lessee may utilize
Suites 204 and 209 rent free until January 1, 1999. Lessee will be responsible
for in-suite utilities during this free rent period.

    35.  Construction Allowance. This lease requires no leasehold improvement
contribution or construction allowance from Lessor.


                                      16
<PAGE>   17





                                   GUARANTY



Personal guarantee not required.





                                      17
<PAGE>   18






         IN WITNESS WHEREOF, Lessor and Lessee have respectively executed
duplicate counterparts of this LEASE AGREEMENT as of the date, month and year
first above written.



Signed and acknowledged                   PARK EAST REALTY CO.
in the presence of:                         "Lessor"


/s/ [ILLEGIBLE]                           By   /s/ [ILLEGIBLE]
-----------------------------                 ---------------------------------

/s/ DEBRA DUNCAN                          Its: President
-----------------------------                  --------------------------------


Signed and acknowledged                   Insurquote/IAS, Inc.
in the presence of:                       -------------------------------------
                                          "Lessee"

----------------------------              By   /s/ WILLIAM B. WOAHN
                                               --------------------------------
                                               William Woahn,
----------------------------                   President




                                      18
<PAGE>   19





STATE OF OHIO        )
                     ) SS:
CUYAHOGA COUNTY      )

         Before me, a Notary Public in and for said County and State,
personally appeared PARK EAST REALTY CO, an Ohio Corporation, identified as
Lessor, by Gordon Anhold, its President, who acknowledged that he, being
thereunto duly authorized, did sign the foregoing LEASE AGREEMENT for and on
behalf of said corporation and that the same is his free act and deed
individually and as said Officer, and the free act and deed of said
corporation.

         IN TESTIMONY WHEREOF, I have hereunto set my hand and official seal at
Cleveland, Ohio, this 28th day of October, 1998.

                                                           /s/ DINA BACA
                                                           --------------------
                                                           Notary Public


                                                        [NOTARY STAMP]




STATE OF UTAH         )
                      ) SS:
UTAH COUNTY           )


         Before me, a Notary Public in and for said County and State,
personally appeared Insurquote/IAS, Inc., a(n) Utah Corporation, identified as
Lessee, by William Woahn, its President, who acknowledged that he, being
thereunto duly authorized, did sign the foregoing LEASE AGREEMENT for and on
behalf of said Lessee, and that the same is his free act and deed individually
and as said President, and the free act and deed of said Lessee.

         IN TESTIMONY WHEREOF, I have hereunto set my hand and official seal at
Provo, Utah, this 1st day of September, 1998.


                                                        /s/ MARILYN J. THURSTON
                                                        -----------------------
                                                        Notary Public


                                                        [NOTARY STAMP]



                                       19


<PAGE>   20


                                   EXHIBIT A

                         DESCRIPTION OF LEASED PREMISES


The following premises in the Building known as Park East II, located at 3737
Park East Drive, Beachwood, Ohio: Suite #202 containing 15,200 square feet.




                                 [FLOOR PLAN]





                                      A-1
<PAGE>   21




                                   EXHIBIT A


                         DESCRIPTION OF LEASED PREMISES

The following premises in the Building known as Park East II, located at 3737
Park East Drive, Beachwood, Ohio: Suite #109 containing 12,280 square feet.





                                 [FLOOR PLAN]




                                      A-2



<PAGE>   22



                                   EXHIBIT A

                         DESCRIPTION OF LEASED PREMISES


The following premises in the Building known as Park East II, located at 3737
Park East Drive, Beachwood, Ohio: Suite #204 and 209 containing 4,000 square
feet.




                                 [FLOOR PLAN]



                                      A-3

<PAGE>   23




                                   EXHIBIT B


                             RULES AND REGULATIONS

         WINDOWS AND PROJECTIONS. Nothing shall be affixed to or projected
beyond the outside of the Buildings by Lessee without the prior written consent
of Lessor. If Lessee desires, and Lessor permits, blinds, shades, or other form
of outside or inside window covering shall be furnished and installed at the
expense of Lessee and must be of such shape, color, material and make as are
approved by Lessor.

         ADVERTISING, PICTURES AND SIGNS. No picture, plaque, sign,
advertisement, notice or other lettering, temporary or permanent, shall be
exhibited, inscribed, painted or affixed on any part of the outside or inside
of the Buildings or of the walls or doors of said Leased Premises without the
consent of Lessor, which consent shall not be unreasonably withheld. If
permitted, the subject matter and the color, size, style and material thereof
and the method of installing or hanging thereof shall conform to the reasonable
specifications of Lessor. Lessor reserves the right to remove all such items
exhibited, inscribed, painted or affixed without Lessee's permission without
notice to Lessee, at the expense of Lessee.

         BICYCLES AND ANIMALS. Unless expressly permitted by Lessor, no bicycle
or other vehicle and no animal shall be brought or permitted to be in the
Buildings.

         CLOSING AND LOCKING DOORS AND WINDOWS. Unless expressly permitted by
Lessor, all doors to said Leased Premises are to be kept closed at all times
except when in actual use for entrance to or exit from said Lease Premises.
Lessee shall be responsible for the locking of doors and the closing of
transoms and windows in and to said Leased Premises. Lessee shall be
responsible for any damage or loss resulting from violation of this rule.

         MACHINERY. Unless Lessor gives prior written consent in each and
every instance, Lessee shall not install or operate any steam or internal
combustion engine, boiler, machinery, refrigerating or heating device or air
conditioning apparatus, large or heavy office machines or equipment in or about
said Leased Premises, or carry on any mechanical business therein. All
equipment of any electrical or mechanical nature shall be placed in settings
which absorb and prevent vibration, noise, or annoyance, or the spillage or
leakage of fluids, oils or grease on the floors of said Leased Premises. It is
expressly acknowledged, however, that Lessee has the right to install
kitchen/cafeteria equipment, computer equipment and copying and data processing
equipment.

         FLOOR COVERING. Lessee shall not lay linoleum, or other similar floor
covering, so that the same shall come in direct contact with the floor of said
Leased Premises, and if linoleum, or other similar floor covering, is desired
to be used, an interlining of builder's deadening felt shall be first affixed
to the floor by an adhesive which may be easily removed.

         UNSIGHTLY PLACEMENT OF EQUIPMENT. Unless expressly permitted by
Lessor, Lessee shall not place or allow anything to be against or near the
glass of partitions or doors of said Leased Premises which may diminish the
light in, or be unsightly from, halls and corridors.



                                       B-1
<PAGE>   24



         NOISES AND OTHER NUISANCES. Lessee shall not make or permit any
noise or odor that is objectionable to Lessor or to other occupants of the
Buildings to emanate from said Leased Premises, and shall not create or
maintain a nuisance therein, and shall not disturb, solicit or canvass any
occupant of the Buildings, and shall not do any act tending to injure the
reputations of the Buildings.

Lessee shall not install or operate any phonograph, musical instrument, radio
or television receiver or similar device in the Buildings so as to cause a
nuisance to other tenants without prior approval of Lessor. The use thereof, if
permitted, shall be subject to control by Lessor to the end that others shall
not be disturbed or annoyed.

         SAFES OR HEAVY ARTICLES. Lessee shall not overload any floor. Safes,
furniture and all large articles shall be brought into said Leased Premises or
removed therefrom at Lessee's sole risk and responsibility.

         LEDGES AND WINDOWS. Lessee shall not place or permit to be placed any
article of any kind on the window ledges or elsewhere on the exterior walls,
and shall not throw or drop, or permit to be thrown or dropped, any article
from any window of the Buildings.

         TELEGRAPHS, ANTENNAE, ETC. No electric wires, telegraphs, telegraph
call boxes, antennae, aerial wires or other electrical equipment or apparatus
shall be installed inside or outside of the Buildings without approval of
Lessor.

         SOLICITORS. Lessor reserves the right, but shall not be held obligated
to exclude or eject from the Buildings any or all solicitors, canvassers or
peddlers, and any person conducting themselves in such manner as, in the sole
judgment of Lessor, constitutes an annoyance to any of the tenants of the
Buildings or an interference with Lessor's operation of the Buildings or who
are otherwise undesirable.

         FLAMMABLE MATERIALS. No article extra hazardous on account of fire and
no explosive shall be brought into said Leased Premises or into the Buildings.
The storage and use of all flammable and volatile materials or substances shall
be in conformity with applicable laws, rules and regulations of all duly
constituted public authorities.

         LODGING, ETC. The Leased Premises hereby leased shall not be used for
lodging or sleeping purposes, and no cooking of food shall be done therein,
without the express consent of Lessor; provided, however, that it is expressly
acknowledged that Lessee has the right to install a kitchen/cafeteria for the
preparation, cooking and serving of food to its employees or employees of one or
more other companies that may elect to share such facilities.

         ACCESS TO ROOF. Lessee shall not give his employees or other persons
permission to go upon the roof of the Buildings without the written consent of
Lessor.

         FLOOR MATS. Lessee shall not place door mats in public corridors
without the consent of Lessor.


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<PAGE>   25




         ELECTRIC HEATING DEVICES. Lessee shall not use any electric heating
device in the Leased Premises without consent of Lessor.

         SHADES OR BLINDS. Lessee shall not install any shades, blinds, or
awnings without consent of Lessor.

         INSURANCE REGULATIONS. Lessee shall not do anything in the rooms, or
bring or keep anything therein, which will in any way increase or tend to
increase the risk of fire, or which will conflict with the regulations of the
Fire Department or the fire laws, or with the rules and regulations of the City
of Beachwood, or equivalent bodies, or with any law, ordinance, rule or
regulation affecting the occupancy and use of the rooms, now existing or
hereafter enacted or promulgated by any public authority or by the City of
Beachwood or any equivalent body.

         RIGHTS RESERVED TO LESSOR. Without abatement or diminution in rent,
Lessor reserves and shall have the following additional rights consistent with
the operation of the Buildings as a first class office complex:

         1. To change the arrangement and/or location of entrances, passageways,
         doors, doorways, corridors, stairs, toilet or other public parts of the
         Buildings;

         2. To install and maintain a sign or signs on the exterior of the
         Buildings;

         3. To have access for Lessor and other tenants of the Buildings to mail
         chutes, if any, located on the Leased Premises according to the rules
         of the United States Post Office;

         4. To designate all sources furnishing sign painting and lettering,
         ice, drinking water, towels and toilet supplies, and other like
         services used on the Leased Premises except sources for food and other
         services provided to Lessee's cafeteria;

         5. At any time or times Lessor either voluntarily or pursuant to
         governmental requirement may, at Lessor's own expense, make repairs,
         alterations or improvements in or to the Buildings or any part thereof
         and during alterations, may close entrances, doors, windows,
         corridors, elevators or other facilities, provided that such acts
         shall not unreasonably interfere with Lessee's use and occupancy of
         the Leased Premises as a whole;

         6. To erect, use and maintain pipes and conduits in and through the
         Leased Premises;

         7. During the last six (6) months of the term or any part thereof, if
         during or prior to that time Lessee vacates the Leased Premises, to
         decorate, remodel, repair, alter or otherwise prepare the Leased
         Premises for reoccupancy;

         8. To constantly have pass keys to the Leased Premises;

         9. To grant to anyone the exclusive right to conduct any particular
         business or undertaking in the Buildings;

                                       B-3



<PAGE>   26


         10. To exhibit the Leased Premises to others for rentals; and

         11. To take any and all measures, including inspections, repairs,
         alterations, additions and improvements to the Leased Premises or to
         the Buildings, as may be necessary or desirable for the safety,
         protection or preservation of the Leased Premises or the Buildings.

         Lessor may enter upon the Leased Premises and may exercise any or all
of the foregoing rights hereby reserved without being deemed guilty of an
eviction or disturbance of Lessee's use or possession.

         PARKING. Lessee shall observe and respect all rules established by
Lessor designating the use by certain tenants of reserved parking areas and
shall cause its employees and invitees to observe and respect the same.

         ADDITIONAL RULES. Lessor reserves the right to make such other and
further Rules and Regulations as in Lessor's judgment may from time to time be
needful or desirable for the safety, care, cleanliness and efficient operation
of the Buildings and for the preservation of good order therein; provided,
however, that Lessor shall obtain the express written approval of Lessee of
such Rules and Regulations, which approval shall not be unreasonably withheld.

         CONTROLLING DOCUMENTS. In the event of a conflict between these Rules
and Regulations and the Lease entered into between Lessor and Lessee, the
provisions of the Lease shall govern and control in all respects.







                                      B-4