Document:

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                                                                    EXHIBIT 10.4

                                      LEASE

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                           COM OFFICE DEVELOPERS, LLC

                                                           LANDLORD,

                                       TO

                               AVETA HOLDINGS, LLC

                                                           TENANT.

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Premises: 173 Bridge Plaza North, Fort Lee, New Jersey

          The Land affected by the Within Instrument Lies in Block 6101 on the
          Tax Map of the Borough of Fort Lee, County of Bergen (Tax Lots 13, 14,
          15 and 20).

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                                TABLE OF CONTENTS

DEMISE, PREMISES, TERM, RENTS.............................................     1

USE............. .........................................................     2

PREPARATION OF DEMISED PREMISES...........................................     2

WHEN DEMISED PREMISES READY FOR OCCUPANCY.................................     2

ADJUSTMENTS OF RENT.......................................................     2

SECURITY DEPOSIT..........................................................     6

SUBORDINATION, NOTICE TO LESSORS AND MORTGAGEES...........................     6

QUIET ENJOYMENT........ ..................................................     7

ASSIGNMENT AND SUBLETTING.................................................     7

COMPLIANCE WITH LAWS AND REQUIREMENTS OF PUBLIC AUTHORITIES...............   111

INSURANCE.................................................................    12

RULES AND REGULATIONS.....................................................   133

TENANT'S CHANGES..........................................................    14

TENANT'S PROPERTY.........................................................    16

REPAIRS AND MAINTENANCE...................................................    16

ELECTRICITY...............................................................    17

HEAT, VENTILATION AND AIR-CONDITIONING....................................    19

LANDLORD'S OTHER SERVICES.................................................    19

ACCESS, CHANGES IN BUILDING FACILITIES, NAME..............................    20

NOTICE OF ACCIDENTS.......................................................    21

NON-LIABILITY AND INDEMNIFICATION.........................................   211

DESTRUCTION OR DAMAGE.....................................................    22

EMINENT DOMAIN............................................................   222

SURRENDER.................................................................   233

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CONDITIONS OF LIMITATION..................................................    24

RE-ENTRY BY LANDLORD......................................................   244

DAMAGES...................................................................    25

WAIVER....................................................................   255

NO OTHER WAIVERS OR MODIFICATIONS.........................................   266

CURING TENANT'S DEFAULTS, ADDITIONAL RENT.................................   266

BROKER ...................................................................    27

NOTICES...................................................................    27

ESTOPPEL CERTIFICATE, MEMORANDUM..........................................    27

ARBITRATION...............................................................    27

NO OTHER REPRESENTATIONS, CONSTRUCTION, GOVERNING LAW, CONSENTS...........    27

PARTIES BOUND.............................................................    27

CERTAIN DEFINITIONS AND CONSTRUCTION......................................    28

ADJACENT EXCAVATION AND CONSTRUCTION--SHORING.............................    28

LANDLORD'S RELOCATION OPTION..............................................    28

CONFIDENTIALITY ..........................................................    30

ACKNOWLEDGMENTS...........................................................    31

SCHEDULE 1 - FIXED RENT...................................................    33

EXHIBIT A DESCRIPTION.....................................................   274

EXHIBIT B FLOOR PLAN......................................................    35

EXHIBIT C LANDLORD'S WORK.................................................   276

EXHIBIT D RULES AND REGULATIONS...........................................    38

EXHIBIT E DEFINITIONS.....................................................    40

EXHIBIT F CLEANING SPECIFICATIONS.........................................    42

SCHEDULE 1 LANDLORD'S PROPERTY............................................    43

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                                      LEASE

LEASE dated________________________, 2005, between COM OFFICE DEVELOPERS, LLC, a
New Jersey limited liability company having an office at 411 Hackensack Avenue,
Hackensack, New Jersey 07601 (hereinafter referred to as ("LANDLORD") and AVETA
HOLDINGS, LLC, a Delaware limited liability company having an office at 173
Bridge Plaza North, Fort Lee, New Jersey 07024 (hereinafter referred to as
"TENANT").

                                   WITNESSETH:

                                    ARTICLE 1
                          DEMISE, PREMISES, TERM, RENTS

          1.01 Landlord hereby leases to Tenant, and Tenant hereby hires from
Landlord, the premises hereinafter described, in the building at 173 Bridge
Plaza North, in the Borough of Fort Lee, County of Bergen, State of New Jersey
(the "BUILDING"), on the parcel of land more particularly described in EXHIBIT A
(the "LAND"), for the term hereinafter stated, for the rents hereinafter
reserved and upon and subject to the conditions (including limitations,
restrictions and reservations) and covenants hereinafter provided. Each party
hereby expressly covenants and agrees to observe and perform all of the
conditions and covenants herein contained on its part to be observed and
performed.

          1.02 The premises hereby leased to Tenant is part of the fifth (5th)
floor of the Building, as shown on the floor plan annexed hereto as Exhibit B.
Said premises together with all fixtures and equipment which at the
commencement, or during the term, of this Lease are thereto attached (except
items not deemed to be included therein and removable by Tenant as provided in
Article 14) constitute and are hereinafter referred to as the "DEMISED
PREMISES".

          1.03 The term of the lease, for which the Demised Premises are hereby
leased, shall commence on a date (herein referred to as the "COMMENCEMENT DATE")
which shall be (i) the day Tenant, or anyone claiming under or through Tenant,
first occupies the Demised Premises, or (ii)____________________, 2005 whichever
occurs earlier, and shall end at noon of the last day of the calendar month in
which occurs the day preceding the tenth (10th) anniversary of the Commencement
Date, which ending date is (hereinafter referred to as the "EXPIRATION DATE"),
or shall end on such earlier date upon which said term may expire or be canceled
or terminated pursuant to any of the conditions or covenants of this Lease or
pursuant to law. Promptly following the Commencement Date the parties hereto
(hereinafter sometimes referred to as the "PARTIES") shall enter into a
recordable supplementary agreement fixing the dates of the Commencement Date and
the Expiration Date and if they cannot agree thereon within fifteen (15) days
after Landlord's request therefor, such dates shall be determined by arbitration
in the manner provided in Article 34. Notwithstanding anything to the contrary
set forth in this Lease, Landlord shall have the right, exercisable upon one
hundred eighty (180) days prior written notice to Tenant given at any time after
the third (3rd) anniversary of the Commencement Date, to terminate this Lease.

          1.04 The "RENTS" reserved under this Lease, for the term thereof,
shall be and consist of:

               (a) "FIXED RENT" in the amounts set forth on Schedule 1 annexed
hereto and made a part hereof, which shall be payable in equal monthly
installments in advance on the first day of each and every calendar month during
the term of this Lease (except that Tenant shall pay, upon the execution and
delivery of this Lease by Tenant, the sum of $27,533.33, to be applied against
the first monthly installment of rent becoming due under this Lease.) The
Commencement Date and occupancy by Tenant is conditioned upon clearance of
Tenant checks representing: (i) the security deposit, and (ii) the first month's
rent due pursuant to this Lease. Tenant shall have no right to occupancy of the
Demised Premises unless and until the aforesaid checks clear Landlord's bank
account; and

               (b) "ADDITIONAL RENT" consisting of all such other sums of money
as shall become due from and payable by Tenant to Landlord hereunder (for
default in payment of which Landlord shall have the same remedies as for a
default in payment of fixed rent).

               (c) All fixed rent and additional rent is to be paid to Landlord
at its office, or such other place, or to such agent and at such place, as
Landlord may designate by notice to Tenant, in lawful money of the United States
of America.

          1.05 Tenant shall pay the fixed rent and additional rent herein
reserved promptly as and when the same shall become due and payable, without
demand therefor and without any abatement, deduction or set off whatsoever
except as expressly provided in this Lease.

          1.06 If the Commencement Date occurs on a day other than the first day
of a calendar month, the fixed rent for such calendar month shall be prorated
and the balance of the first month's fixed rent theretofore paid shall be
credited against the next monthly installment of fixed rent.

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                                    ARTICLE 2
                                      USE

          2.01 Tenant shall use and occupy the Demised Premises for executive
and general offices in connection with the conduct of Tenant's [DESCRIBE
BUSINESS] business and for no other purpose. Tenant represents and warrants that
it is duly formed and in good standing, and has full corporate, partnership or
limited liability company power and authority, as the case may be, to enter into
this Lease and has taken all corporate, partnership or limited liability company
action, as the case may be, necessary to carry out the transaction contemplated
herein, so that when executed, this Lease constitutes a valid and binding
obligation enforceable in accordance with its terms. Tenant shall provide
Landlord with corporate resolutions, the operating agreement, the partnership
agreement or other proof in a form acceptable to Landlord, authorizing the
execution of this Lease at the time of execution.

          2.02 If any governmental license or permit, other than a Certificate
of Occupancy, shall be required for the proper and lawful conduct of Tenant's
business in the Demised Premises, or any part thereof, and if failure to secure
such license or permit would in any way affect Landlord, Tenant, at its expense,
shall duly procure and thereafter maintain such license or permit and submit the
same for inspection by Landlord. Tenant shall at all times comply with the terms
and conditions of each such license or permit.

          2.03 Tenant shall not at any time use or occupy, or suffer or permit
anyone to use or occupy, the Demised Premises, or do or permit anything to be
done in the Demised Premises, in violation of the Certificate of Occupancy for
the Demised Premises or for the Building.

          2.04 The Demised Premises shall not be used for any purpose which
would tend to lower the first-class character of the Building, create
unreasonable or excessive elevator or floor loads, impair or interfere with any
of the Building operations or the other areas of the Building by any other
tenants or, impair the appearance of the Building.

                                    ARTICLE 3
                         PREPARATION OF DEMISED PREMISES

          3.01 Neither Landlord nor Landlord's agents have made any
representations or promises with respect to the physical condition of the
Building, the Demised Premises, or the Land. Tenant has inspected the Building
and the Demised Premises and is thoroughly acquainted with their condition and
agrees to take the same "as is". The taking of possession of the Demised
Premises by or on behalf of Tenant shall be conclusive evidence that the said
Demised Premises and the Building were in good and satisfactory condition at the
time such possession was so taken, except as to latent defects.

          3.02 Tenant acknowledges that the Demised Premises have been completed
and prepared for Tenant's occupancy and that EXHIBIT C annexed hereto and made a
part hereof lists the facilities, materials and work so furnished, installed and
performed in the Demised Premises by Landlord (a) at Landlord's expense, and (b)
at Tenant's expense for which Tenant shall reimburse Landlord, as additional
rent, within twenty (20) days after Landlord shall give Tenant written notice
demanding such reimbursement (collectively "LANDLORD'S WORK"). Such other
installations, materials and work which may be undertaken by or for the account
of Tenant to equip, decorate and furnish the Demised Premises for Tenant's
occupancy, are hereinafter and in Exhibit C referred to as "TENANT'S WORK".

                                   ARTICLE 4
                   WHEN DEMISED PREMISES READY FOR OCCUPANCY

          4.01 Tenant acknowledges that the Demised Premises are ready for
occupancy. Tenant shall move Tenant's Property into the Demised Premises on such
days and at such times as determined by Landlord so as to reduce any
interference with the operation of the Building and/or the use and occupancy of
the Building by tenants thereof.

                                    ARTICLE 5
                               ADJUSTMENTS OF RENT

          5.01 Tax Escalation. For the purpose of Sections 5.01-5.06:

               (a) "TAXES" shall mean the real estate taxes and assessments and
special assessments assessed, levied or imposed upon the Building and the Land.
If at any time during the term of this Lease the methods of taxation prevailing
at the commencement of the term hereof shall be altered so that in lieu of or as
an addition to or as a substitute for the whole or any part of the taxes,
assessments, levies, impositions or charges now levied, assessed or imposed on
real estate and the improvements thereon, there shall be levied, assessed or
imposed (i) a tax, assessment, levy, imposition or charge wholly or partially as
capital levy or otherwise on the rents received therefrom, or (ii) a tax,
assessment, levy, imposition or charge measured by or based in whole or in part
upon the Demised Premises and imposed upon Landlord, or (iii) a license fee
measured by the rents payable by Tenant to Landlord, then all such taxes,
assessments, levies, impositions or charges, or the part thereof so measured or
based, shall be deemed to be included within the term "Taxes" for the purposes
hereof;

               (b) "BASE TAX YEAR" shall mean the Tax Year (as hereafter
defined) commencing January 1, 2005 and ending December 31, 2005, inclusive;

               (c) "BASE YEAR TAXES" shall mean the Taxes, as finally
determined, for the Base Tax Year including, but not limited to any reductions
in assessed value during the term of this Lease;

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               (d) "TAX YEAR" shall mean the fiscal year for which Taxes are
levied by the governmental authority.

               (e) "TENANT'S PROPORTIONATE SHARE" shall mean for purposes of
this Lease and all calculations in connection herewith thirty nine and 00/100
percent (39.00%).

               (f) "TENANT'S PROJECTED SHARE OF TAXES" shall mean either (i) for
any Tax Year where no Tax Payment (as hereinafter defined) shall have been
payable by Tenant for the immediately preceding Tax Year, the product of (x)
(the difference between one hundred and six (106%) percent of the Base Year
Taxes and the Base Year Taxes), multiplied by (y) Tenant's Proportionate Share,
or (ii) for any Tax Year where a Tax Payment shall have been payable by Tenant
for the immediately preceding Tax Year, the Tax Payment, payable by Tenant for
the immediately prior Tax Year in each case divided by twelve (12) and payable
monthly by Tenant to Landlord as additional rent.

          5.02 If the Taxes for any Tax Year shall be more than the Base Year
Taxes, Tenant shall pay, as additional rent for such Tax Year, an amount equal
to Tenant's Proportionate Share of the amount by which the Taxes for such Tax
Year are greater than the Base Year Taxes. (The amount payable by Tenant is
hereinafter referred to as the "TAX PAYMENT"). The Tax Payment and the Base Year
Taxes shall be appropriately prorated, if necessary, to correspond with that
portion of a Tax Year occurring within the Term of this Lease. The Tax Payment
shall be payable by Tenant within ten (10) days after receipt of a demand from
Landlord therefor, which demand shall be accompanied by a copy of the tax bill
together with Landlord's computation of the Tax Payment. If the Taxes for any
Tax Year are payable to the taxing authority on an installment basis, Landlord
may serve such demands upon, and the Tax Payment for such Tax Year shall be
payable by Tenant, on a corresponding installment basis.

          5.03 Notwithstanding the fact that the increase in rent is measured by
an increase in Taxes, such increase is additional rent and shall be paid by
Tenant as provided herein regardless of the fact that Tenant may be exempt, in
whole or in part, from the payment of any taxes by reason of Tenant's diplomatic
or other tax exempt status or for any other reason whatsoever.

          5.04 Only Landlord shall be eligible to institute tax reduction or
other proceedings to reduce the assessed valuation of the Land and Building. In
the event that a tax reduction or other proceeding reduces the assessed
valuation of the Land and/or the Building, Tenant agrees that if such reduction
is for all or part of the Base Tax Year, then the Base Year Taxes shall be
reduced retroactively. Tenant agrees to reimburse Landlord for amounts due to
Landlord for Taxes pursuant to Article 5 based on the Base Year Taxes as finally
determined (which reflect the reduced assessed valuation).

          5.05 After the expiration of any Tax Year, Landlord shall furnish
Tenant with a statement setting forth Tenant's Proportionate Share of Taxes. The
statement furnished under this Section 5.05 is hereinafter referred to as a "TAX
STATEMENT".

          5.06 (a) Commencing twelve (12) months prior to the first Tax Year in
which Landlord shall be entitled to receive a Tax Payment, Tenant shall pay to
Landlord, as additional rent for the next Tax Year, Tenant's Projected Share of
Taxes. Upon each date that a Tax Payment or an installment on account thereof
shall be due from Tenant pursuant to the terms of Section 5.02 hereof, Landlord
shall apply the aggregate of the installments of Tenant's Projected Share of
Taxes then on account with Landlord against the Tax Payment or installment
thereof then due from Tenant. In the event that such aggregate amount shall be
insufficient to discharge such Tax Payment or installment, Landlord shall so
notify Tenant in a demand served upon Tenant pursuant to the terms of Section
5.02, and the amount of Tenant's payment obligation with respect to such Tax
Payment or installment pursuant to Section 5.02 shall be equal to the amount of
the insufficiency. If, however, such aggregate amount shall be greater than the
Tax Payment or installment, Landlord shall credit the amount of such excess
against the next amount due and payable by Tenant under this Section 5.06.

               (b) Anything in this Article 5 to the contrary notwithstanding,
in the event that the holder of any superior mortgage or the lessor of any
superior lease (as such terms are defined in Section 7.01 hereof) shall require
advance payments from the Landlord on account of Taxes, then Tenant will pay
Tenant's Proportionate Share of any amounts required to be paid in advance by
Landlord with the holder of the superior mortgage or the lessor of the superior
lease to the extent that such payments made by Landlord exceed the Base Year
Taxes. Any payments to be made by Tenant under this Section 5.06(b) shall be
made ten (10) days prior to the date Landlord is required to make such payments
to the holder of the superior mortgage or the lessor of the superior lease
however Tenant shall not be required to pay the taxes any sooner then otherwise
required pursuant to this Article.

          5.07 EXPENSE ESCALATION. For purposes of Sections 5.07-5.11:

               (a) "OPERATING EXPENSES" shall mean any and all expenses incurred
by Landlord in connection with the operation, maintenance and repair (whether
structural or non-structural) of the Building and the Land including all
expenses incurred as a result of Landlord's compliance with any of its
obligations hereunder other than Landlord's Work and such expenses shall include
without limitation: (i) salaries, wages, medical, surgical and general welfare
benefits, (including group life insurance) retirement benefits, pension payments
and other fringe benefits of employees or other personnel of Landlord (or
entities affiliated with Landlord) engaged in the operation and maintenance or
repair of the Building and the Land; (ii) payroll taxes, worker's compensation,
disability insurance, uniforms and dry cleaning for the employees referred to in
subdivision (i); (iii) the cost of all charges for steam, heat, ventilation, air
conditioning and water (including sewer rental) furnished to the Building and
the Land and/or used in the operation of all of the service facilities of the
Building and the Land and the cost of all charges for

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electricity furnished to the public and service areas of the Building and the
Land and/or used in the operation of all of the service facilities of the
Building and the Land including any taxes on any of such utilities; (iv) the
cost of all charges for rent, casualty, insurance (if obtainable from the United
States government) and of liability insurance for the Building and the Land to
the extent that such insurance is required to be carried by Landlord under any
superior lease or superior mortgage or if not required under any superior lease
or superior mortgage then to the extent such insurance is carried by owners of
buildings comparable to the Building and the Land; (v) the cost of all building
and cleaning supplies for the common areas of the Building and the Land and
charges for telephone for the Building; (vi) the cost of all charges for
management, window cleaning, other cleaning and sanitary and service contracts
for the Building (including without limitation, elevator, electric, heating,
air-conditioning and plumbing) (if no managing agent is employed by Landlord or
an affiliate of Landlord is engaged as managing agent, there shall be included
in Operating Expenses a sum equal to 5.0% of all rents, additional rents and
other charges collected from Tenants or other permitted occupants of the
Building); and (vii) the cost of rentals of capital equipment designed to result
in savings or reductions in Operating Expenses. Operating Expenses shall not
include (A) administrative wages and salaries; (B) renting commissions; (C)
franchise taxes or income taxes of Landlord; (D) Taxes on the Land and Building;
(D) costs of painting and decorating for any occupant's space; (E) interest and
amortization under mortgages; (F) the cost of Shared Services (as defined below
in Section 18.08); and (G) expenditures for capital improvements except (1)
those which under generally applied real estate practice are expenses or
regarded as deferred expenses and (2) for capital improvements required by law
or (3) for capital improvements which are designed to result in a saving in the
amount of Operating Expenses, in any of such cases the cost thereof shall be
included in Operating Expenses for the Operational Year in which the costs are
incurred and subsequent Operational Years, on a straight line basis, to the
extent that such items are amortized over an appropriate period, but not more
then ten years, with an interest factor equal to two (2%) percent above the
prime rate of JP Morgan Chase Bank at the time of Landlord's having incurred
said expenditure. Operating Expenses shall be subject to adjustment based upon
the Occupancy Adjustment for each Operational Year (as such terms are
hereinafter defined) in which less than ninety (90%) percent of the Building
shall be occupied (on a rentable square foot basis) during the term of this
Lease;

               (b) "OPERATIONAL YEAR" shall mean each calendar year or part
thereof occurring during the Term of this Lease excluding the Initial
Operational Year;

               (c) "BASE OPERATING EXPENSES" shall mean $350,000.00;

               (d) "INITIAL OPERATIONAL YEAR" shall mean the calendar year in
which the Commencement Date occurs;

               (e) "INITIAL OPERATING PERIOD" shall mean that portion of the
Initial Operational Year between the Commencement Date and the expiration of the
Initial Operational Year;

               (f) "TENANT'S INITIAL PROJECTED SHARE OF OPERATING EXPENSE
INCREASE" shall mean one twelfth (1/12th) of the product of (i) Tenant's
Operational Proportionate Share multiplied by (ii) the projected increase in
Operating Expenses for the calendar year 2006, as reasonably estimated by
Landlord, above the Initial Operating Expenses;

               (g) "INITIAL OPERATING EXPENSES" shall mean the actual amount of
Operating Expenses incurred by Landlord during the Initial Operational Year;

               (h) "TENANT'S OPERATIONAL PROPORTIONATE SHARE" shall mean
thirty nine and 00/100 (39.00%) percent;

               (i) "ACTUAL OPERATING EXPENSE DIFFERENTIAL" shall mean the amount
by which the Operating Expenses actually incurred by Landlord for the recently
expired Operational Year actually exceeded the Base Operating Expenses;

               (j) "TENANT'S PROJECTED SHARE OF OPERATING EXPENSE INCREASE"
shall mean one-twelfth (1/12th) of the product of (i) Tenant's Operational
Proportionate Share, multiplied by (ii) the Actual Operating Expense
Differential for the recently expired Operational Year;

               (k) "TENANT'S ACTUAL SHARE OF OPERATING EXPENSE INCREASE" shall
mean the product of (i) the Actual Operating Expense Differential multiplied by
(ii) Tenant's Operational Proportionate Share; and

               (1) "OCCUPANCY ADJUSTMENT" shall mean the amount by which
Operating Expenses shall be deemed to be increased to reflect ninety (90%)
percent occupancy (on a rentable square foot basis) of the Building during any
Operational Year in which the Building is less then ninety (90%) percent
occupied (on a rentable square foot basis).

          5.08 (a) After the expiration of the Initial Operational Year,
Landlord shall furnish Tenant with a written statement (the "INITIAL OPERATING
STATEMENT") indicating (i) Initial Operating Expenses, and (ii) Landlord's
computation of Tenant's Initial Projected Share of Operating Expense Increase;

               (b) After the expiration of the first Operational Year after the
Initial Operational Year and each Operational Year thereafter, Landlord shall
furnish Tenant with a written statement (a "SUBSEQUENT OPERATING STATEMENT")
indicating (i) the actual amount of Operating Expenses for the recently expired
Operational Year, (ii) Landlord's computation of Tenant's Projected Share of
Operating Expense Increase for the upcoming Operational Year, and (iii) the
amount of any discrepancy between Tenant's Actual Share of Operating Expense

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Increase and Tenant's Initial Projected Share of Operating Expense Increase or
Tenant's Projected Share of Operating Expense Increase, as the case may be, for
the recently expired Operational Year; and

               (c) Payments of additional rent in accordance with the Initial
Operating Statement and Subsequent Operating Statements shall be made at the
times specified in Section 5.09.

          5.09 (a) Tenant shall pay to Landlord, as additional rent during the
first Operational Year after the Initial Operating Period, Tenant's Initial
Projected Share of Operating Expense Increase, which shall be payable in equal
monthly installments, the first payment representing the payments retroactive to
the first day of the current Operational Year and including the current month
shall be made ten (10) days after Tenant receives the Initial Operating
Statement, and thereafter normal monthly payments shall be made on the first day
of each month throughout the upcoming Operational Year and thereafter until
receipt of the first Subsequent Operating Statement. If the first Subsequent
Operating Statement furnished by Landlord to Tenant for the recently expired
Operational Year shall indicate that Tenant's Initial Projected Share of
Operating Expense Increase exceeded Tenant's Actual share of Operating Expense
Increase, Landlord shall forthwith either (a) pay the amount of excess directly
to Tenant concurrently with the first Subsequent Operating Statement or (b)
permit Tenant to credit the amount of such excess against payments next due from
Tenant under this Article 5. If, however, the first Subsequent Operating
Statement shall indicate that Tenant's Actual Share of Operating Expense
Increase exceeded Tenant's Initial Projected Share of Operating Expense
Increase, Tenant shall, within ten (10) days, pay the amount of such excess to
Landlord as additional rent;

               (b) Tenant shall pay to Landlord, as additional rent during each
subsequent Operational Year, Tenant's Projected Share of Operating Expense
Increase, which shall be payable in equal monthly installments, the first
payment representing the payments retroactive to the first day of the current
Operational Year and including the current month after crediting Tenant with
payments made for the current Operational Year but prior to the receipt of a
Subsequent Operating Statement, and which shall be made ten (10) days after
Tenant receives a Subsequent Operating Statement, and thereafter normal monthly
payments shall be made on the first day of each month throughout the upcoming
Operational Year and thereafter until receipt of the next Subsequent Operating
Statement. If a Subsequent Operating Statement furnished by Landlord to Tenant
for a recently expired Operational Year shall indicate that Tenant's Projected
Share of Operating Expense Increase exceeded Tenant's Actual Share of Operating
Expense Increase, Landlord shall forthwith either (a) pay the amount of excess
directly to Tenant concurrently with the Subsequent Operating Statement or (b)
permit Tenant to credit the amount of such excess against payments next due from
Tenant under this Article 5. If, however, the Subsequent Operating Statement
shall indicate that Tenant's Actual Share of Operating Expense Increase exceeded
Tenant's Projected Share of Operating Expense Increase, Tenant shall, within ten
(10) days, pay the amount of such excess to Landlord as additional rent; and

          5.10 The Initial Operating Statement and every Subsequent Operating
Statement given by Landlord shall be conclusive and binding upon Tenant.
Landlord may, at any time and from time to time, revise the amount due as its
Tenant's Initial Projected Share of Operating Expense Increase or Tenant's
Projected Share of Operating Expense Increase to cover any increase not
previously factored into the Tenant's Initial Projected Share of Operating
Expense Increase or Tenant's Projected Share of Operating Expense Increase. Upon
Tenant's receipt of a revision to its Tenant's Initial Projected Share of
Operating Expense Increase or Tenant's Projected Share of Operating Expense
Increase, Tenant shall pay Landlord, as Additional Rent, the revised amount.

          5.11 Nothing in this Article 5 shall be construed to reduce fixed rent
as set forth in this lease. Any failure or delay by Landlord in the delivery of
any of the tax bills, statements, notices or bills set forth in this Article 5,
or demand for any payments due under this Article 5, shall not in any way reduce
or diminish Landlord's rights to receive additional rent under this Article 5 or
elsewhere in this Lease. Tenant's liability for the amounts due under this
Article 5 shall survive the expiration of the Term.

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                                    ARTICLE 6
                                SECURITY DEPOSIT

          6.01 Tenant has deposited with Landlord the sum of $165,200.00 as
security for the faithful performance and observance by Tenant of the terms,
provisions and conditions of this Lease; it is agreed that in the event Tenant
defaults in respect of any of the terms, provisions and conditions of this
Lease, including, but not limited to, the payment of rent and additional rent,
Landlord may use, apply or retain the whole or any part of the security so
deposited to the extent required for the payment of any rent and additional rent
or any other sum as to which Tenant is in default or for any sum which Landlord
may expend or may be required to expend by reason of Tenant's default in respect
of any of the terms, covenants and conditions of this Lease, including but not
limited to, any damages or deficiency accrued before or after summary
proceedings or other re-entry by Landlord. In the event that Tenant shall fully
and faithfully comply with all of the terms, provisions, covenants and
conditions of this Lease, the security shall be returned to Tenant after the
date fixed as the end of the lease and after delivery of entire possession of
the Demised Premises to Landlord. In the event of a sale of the Land and
Building or leasing of the Building, of which the Demised Premises form a part,
Landlord shall have the right to transfer the security to the vendee or lessee
and Landlord shall thereupon be released by Tenant from all liability for the
return of such security; and Tenant agrees to look to the new Landlord solely
for the return of such security; and it is agreed that the provisions hereof
shall apply to every transfer or assignment made of the security to a new
Landlord. Tenant further covenants that it will not assign or encumber or
attempt to assign or encumber the monies deposited herein as security and that
neither Landlord nor its successors or assigns shall be bound by any such
assignment, encumbrance, attempted assignment or attempted encumbrance. In the
event (a) Landlord applies or retains any portion or all of the security
deposited or (b) fixed rent shall increase pursuant to this Lease, Tenant shall
forthwith restore the amount so applied or retained, or deposit such additional
amounts as security hereunder, so that at all times the amount deposited as
security hereunder shall be equal to the product of (x) the monthly installment
of fixed rent then due under this Lease, multiplied by (y) 6.

                                    ARTICLE 7
                SUBORDINATION, NOTICE TO LESSORS AND MORTGAGEES

          7.01 This lease, and all rights of Tenant hereunder, are and shall be
subject and subordinate in all respects to all ground leases, overriding leases
and underlying leases of the Land and/or the Building now or hereafter existing
and to all mortgages which may now or hereafter affect the Land and/or the
Building and/or any of such leases, whether or not such mortgages shall also
cover other lands and/or buildings, to each and every advance made or hereafter
to be made under such mortgages, and to all renewals, modifications,
replacements and extensions of such leases and such mortgages and spreaders and
consolidations of such mortgages. This Section shall be self-operative and no
further instrument of subordination shall be required. In confirmation of such
subordination, Tenant shall promptly execute and deliver any instrument that
Landlord, the lessor of any such lease or the holder of any such mortgage or any
of their respective successors in interest may reasonably request to evidence
such subordination. The leases to which this Lease is, at the time referred to,
subject and subordinate pursuant to this Article are hereinafter sometimes
referred to as "SUPERIOR LEASES" and the mortgages to which this Lease is, at
the time referred to, subject and subordinate are hereinafter sometimes referred
to as "SUPERIOR MORTGAGES" and the lessor of a superior lease or its successor
in interest at the time referred to is sometimes hereinafter referred to as a
"LESSOR". Tenant acknowledges that the current lender is the Yardville National
Bank with an address of 2465 Kuser Road, Hamilton Township, New Jersey 08690,
Attention: Tom Nash and agrees that this shall constitute written notice of such
holder of a superior mortgage as referred to in Section 7.02.

          7.02 In the event of any act or omission of Landlord which would give
Tenant the right, immediately or after lapse of a period of time, to cancel or
terminate this Lease, or to claim a partial or total eviction, Tenant shall not
exercise such right (i) until it has given written notice of such act or
omission to the holder of each superior mortgage and the lessor of each superior
lease whose name and address shall previously have been furnished to Tenant in
writing, and (ii) unless such act or omission shall be one which is not capable
of being remedied by Landlord or such mortgage holder or lessor within a
reasonable period of time, until a reasonable period for remedying such act or
omission shall have elapsed following the giving of such notice and following
the time when such holder or lessor shall have become entitled under such
superior mortgage or superior lease, as the case may be, to remedy the same
(which reasonable period shall in no event be less than the period to which
Landlord would be entitled under this Lease or otherwise, after similar notice,
to effect such remedy), provided such holder or lessor shall with due diligence
give Tenant written notice of intention to, and commence and continue to remedy
such act or omission.

          7.03 If the lessor of a superior lease or the holder of a superior
mortgage shall succeed to the rights of Landlord under this Lease, whether
through possession or foreclosure action or delivery of a new lease or deed,
then at the request of such party so succeeding to Landlord's rights (herein
sometimes referred to as "SUCCESSOR LANDLORD") and upon successor landlord's
written agreement to accept Tenant's attornment, Tenant shall attorn to and
recognize such successor landlord as Tenant's Landlord under this Lease, and
shall promptly execute and deliver any instrument that such successor landlord
may reasonably request to evidence such attornment. Upon such attornment this
Lease shall continue in full force and effect as, or as if it were, a direct
lease between the successor landlord and Tenant upon all of the terms,
conditions and covenants as are set forth in this Lease and shall be applicable
after such attornment except that the successor landlord shall not:

               (a) be liable for any previous act or omission of Landlord under
this Lease;

               (b) be subject to any offset, not expressly provided for in this
Lease, which shall have theretofore accrued to Tenant against Landlord;

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<PAGE>
               (c) be bound by any previous modification of this Lease, not
expressly provided for in this Lease, or by any previous prepayment of more than
one month's fixed rent, unless such modification or prepayment shall have been
expressly approved in writing by the lessor of the superior lease or the holder
of the superior mortgage through or by reason of which the successor landlord
shall have succeeded to the rights of Landlord under this Lease;

               (d) be bound by any obligation to perform any work for, or make
any payment to, Tenant which was required to be performed or made prior to the
time such successor landlord succeeded to any prior Landlord's interest; and

               (e) be accountable for any monies deposited with any prior
landlord (including security deposits), except to the extent such monies are
actually received by such successor landlord.

                                    ARTICLE 8
                                 QUIET ENJOYMENT

          8.01 So long as Tenant pays all the fixed rent and additional rent due
hereunder and performs all of Tenant's other obligations hereunder, Tenant shall
peaceably and quietly have, hold and enjoy the Demised Premises subject,
nevertheless, to the obligations of this Lease and, as provided in Article 7, to
the superior leases and the superior mortgages.

                                    ARTICLE 9
                           ASSIGNMENT AND SUBLETTING

          9.01 Tenant, for itself, its heirs, distributees, executors,
administrators, legal representatives, successors and assigns, expressly
covenants that it shall not assign, mortgage or encumber this agreement, nor
underlet, nor suffer, nor permit the Demised Premises or any part thereof to be
used or occupied by others, without the prior written consent of Landlord in
each instance. If this Lease be assigned, or if the Demised Premises or any part
thereof be underlet or occupied by anybody other than Tenant, Landlord may,
after default by Tenant, collect rent from the assignee, undertenant or
occupant, and apply the net amount collected to the rent herein reserved, but no
assignment, underletting, occupancy or collection shall be deemed a waiver of
the provisions hereof, the acceptance of the assignee, undertenant or occupant
as Tenant, or a release of Tenant from the further performance by Tenant of
covenants on the part of Tenant herein contained. The consent by Landlord to an
assignment or underletting shall not in any way be construed to relieve Tenant
from obtaining the express consent in writing of Landlord to any further
assignment or underletting. In no event shall any permitted sublessee assign or
encumber its sublease or further sublet all or any portion of its sublet space,
or otherwise suffer or permit the sublet space or any part thereof to be used or
occupied by others, without Landlord's prior written consent in each instance.

          9.02 If Tenant shall at any time or times during the term of this
Lease desire to assign this Lease or sublet all or part of the Demised Premises,
Tenant shall give notice thereof to Landlord, which notice (the "REQUEST
NOTICE") shall be accompanied by (a) a true and correct copy of the fully
executed proposed assignment or sublease, the effective or commencement date of
which shall be not less than sixty (60) nor more than one hundred eighty (180)
days after the giving of such notice, (b) a statement setting forth in
reasonable detail the identity of the proposed assignee or subtenant, the nature
of its business and its proposed use of the Demised Premises, and (c) current
financial information with respect to the proposed assignee or subtenant,
including, without limitation, its most recent financial report. Such notice
shall be deemed an offer from Tenant to Landlord whereby Landlord (or Landlord's
designee) may, at its option, (i) sublease such space (hereinafter referred to
as the "LEASEBACK SPACE") from Tenant upon the terms and conditions hereinafter
set forth (if the proposed transaction is a sublease of all or part of the
Demised Premises), (ii) terminate this Lease (if the proposed transaction is an
assignment or a sublease of all or substantially all of the Demised Premises),
or (iii) terminate this Lease with respect to the Leaseback Space (if the
proposed transaction is a sublease of part of the Demised Premises). Said
options may be exercised by Landlord by notice to Tenant at any time within
sixty (60) days after such notice has been given by Tenant to Landlord; and
during such sixty (60) day period Tenant shall not assign this Lease nor sublet
such space to any person.

          9.03 If Landlord exercises its option to terminate this Lease in the
case where Tenant desires either to assign this Lease or sublet all or
substantially all of the Demised Premises, then, this Lease shall end and expire
on the date that such assignment or sublet was to be effective or commence, as
the case may be, and the fixed rent and additional rent shall be paid and
apportioned to such date.

          9.04 If Landlord exercises its option to terminate this Lease in part
in any case where Tenant desires to sublet part of the Demised Premises, then,
(a) this Lease shall end and expire with respect to such part of the Demised
Premises on the date that the proposed sublease was to commence; (b) from and
after such date the fixed rent and additional rent shall be adjusted, based upon
the proportion that the rentable area of the Demised Premises remaining bears to
the total rentable area of the Demised Premises; and (c) Tenant shall pay to
Landlord, upon demand, the costs incurred by Landlord in physically separating
such part of the Demised Premises from the balance of the Demised Premises and
in complying with any laws and requirements of any public authorities relating
to such separation.

          9.05 If Landlord exercises its option to sublet the Leaseback Space,
such sublease to Landlord or its designee (as subtenant) shall be at the lower
of (i) the rental rate per rentable square foot of fixed rent and additional
rent then payable pursuant to this Lease or (ii) the rentals set forth in the
proposed sublease, and shall be for the same term as that of the proposed
subletting, and such sublease shall:

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<PAGE>

               (a) be expressly subject to all of the covenants, agreements,
terms, provisions and conditions of this Lease except such as are irrelevant or
inapplicable, and except as otherwise expressly set forth to the contrary in
this Section;

               (b) be upon the same terms and conditions as those contained in
the proposed sublease, except such as are irrelevant or inapplicable and except
as otherwise expressly set forth to the contrary in this Section;

               (c) give the sublessee the unqualified and unrestricted right,
without Tenant's permission, to assign such sublease or any interest therein
and/or to sublet the Leaseback Space or any part or parts of the Leaseback Space
and to make any and all changes, alterations, and improvements in the space
covered by such sublease and if the proposed sublease will result in all or
substantially all of the Demised Premises being sublet, grant Landlord or its
designee the option to extend the term of such sublease for the balance of the
term of this Lease less one (1) day;

               (d) provide that any assignee or further subtenant, of Landlord
or its designee, may, at the election of Landlord, be permitted to make
alterations, decorations and installations in the Leaseback Space or any part
thereof and shall also provide in substance that any such alterations,
decorations and installations in the Leaseback Space therein made by any
assignee or subtenant of Landlord or its designee may be removed, in whole or in
part, by such assignee or subtenant, at its option, prior to or upon the
expiration or other termination of such sublease provided that such assignee or
subtenant, at its expense, shall repair any damage and injury to that portion of
the Leaseback Space caused by such removal; and

               (e) also provide that (i) the parties to such sublease expressly
negate any intention that any estate created under such sublease be merged with
any other estate held by either of said parties, (ii) any assignment or
subletting by Landlord or its designee (as the subtenant) may be for any purpose
or purposes that Landlord, in Landlord's uncontrolled discretion, shall deem
suitable or appropriate, (iii) Tenant, at Tenant's expense, shall and will at
all times provide and permit reasonably appropriate means of ingress to and
egress from the Leaseback Space so sublet by Tenant to Landlord or its designee,
(iv) Landlord, at Tenant's expense, may make such alterations as may be required
or deemed necessary by Landlord to physically separate the Leaseback Space from
the balance of the Demised Premises and to comply with any laws and requirements
of public authorities relating to such separation, and (v) that at the
expiration of the term of such sublease, Tenant will accept the space covered by
such sublease in its then existing condition, subject to the obligations of the
sublessee to make such repairs thereto as may be necessary to preserve the
premises demised by such sublease in good order and condition.

          9.06 (a) If Landlord exercises its option to sublet the Leaseback
Space, Landlord shall indemnify and save Tenant harmless from all obligations
under this Lease as to the Leaseback Space during the period of time it is so
sublet to Landlord;

               (b) Performance by Landlord, or its designee, under sublease of
the Leaseback Space shall be deemed performance by Tenant of any similar
obligation under this Lease and any default under any such sublease shall not
give rise to a default under a similar obligation contained in this Lease, nor
shall Tenant be liable for any default under this Lease or deemed to be in
default hereunder if such default is occasioned by or arises from any act or
omission of the Tenant under such sublease or is occasioned by or arises from
any act or omission of any occupant holding under or pursuant to any such
sublease; and

               (c) Tenant shall have no obligation, at the expiration or earlier
termination of the term of this Lease, to remove any alteration, installation or
improvement made in the Leaseback Space by Landlord.

          9.07 In the event Landlord does not exercise an option provided to it
pursuant to Section 9.02 Landlord shall give consideration to the transfer
described in the applicable Request Notice, however, Landlord shall not be
obligated to give its consent thereto. If Landlord, in its sole discretion,
shall give its consent to a transfer described in a Request Notice, said consent
shall not be effective unless it is in writing and the following conditions are
satisfied, as determined by Landlord:

               (a) Tenant shall have complied with the provisions of Section
9.02 and Landlord shall not have exercised any of its options under said Section
9.02 within the time permitted therefor;

               (b) In Landlord's reasonable judgment the proposed assignee or
subtenant is engaged in a business and the Demised Premises, or the relevant
part thereof, will be used in a manner which (i) is in keeping with the then
standards of the Building, (ii) is limited to the use expressly permitted under
this Lease, and (iii) will not violate any negative covenant as to use contained
in any other lease of space in the Building;

               (c) The proposed assignee or subtenant is a reputable person of
good character and with sufficient financial worth considering the
responsibility involved, and Landlord has been furnished with reasonable proof
thereof;

               (d) Neither (i) the proposed assignee or sublessee nor (ii) any
person which, directly or indirectly, controls, is controlled by, or is under
common control with, the proposed assignee or sublessee or any person who
controls the proposed assignee or sublessee, is then an occupant of any part of
the Building;

               (e) The proposed assignee or sublessee is not a person with whom
Landlord has negotiated with or is then negotiating with to lease space in the
Building;

               (f) The form of the proposed lease shall be in form reasonable
satisfactory to Landlord and shall comply with the applicable provisions of this
Article;

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<PAGE>

               (g) There shall not be more than one (1) subtenant (including
Landlord or its designee) of the Demised Premises;

               (h) The amount of the aggregate rent to be paid by the proposed
subtenant is not less than the then current market rent per rentable square foot
for the Demised Premises as though the Demised Premises were vacant, and the
rental and other terms and conditions of the sublease are the same as those
contained in the proposed sublease furnished to Landlord pursuant to Section
9.02;

               (i) Tenant shall not have (i) advertised or publicized in any way
the availability of the Demised Premises without prior notice to and approval by
Landlord, nor shall any advertisement state the name (as distinguished from the
address) of the Building or the proposed rental, (ii) listed the Demised
Premises for subletting or assignment, with a broker, agent or representative
other than the then managing agent of the Building or other agent designated by
Landlord, or otherwise at a rental rate less than the greater of (1) the fixed
rent and additional rent then payable hereunder for such space, or (2) the fixed
rent and additional rent at which Landlord is then offering to lease other space
in the Building;

               (j) The sublease shall not allow the use of the Demised Premises
or any part thereof for (i) the preparation and/or sale of food for on or off
premises consumption or (ii) for use by a foreign or domestic governmental
agency. Except for any subletting by Tenant to Landlord or its designee pursuant
to the provisions of this Article, each subletting pursuant to this Article
shall be subject to all of the covenants, agreements, terms, provisions and
conditions contained in this Lease. Notwithstanding any such subletting to
Landlord or any such subletting to any other subtenant and/or acceptance of rent
or additional rent by Landlord from any subtenant, Tenant shall and will remain
fully liable for the payment of the fixed rent and additional rent due and to
become due hereunder and for the performance of all the covenants, agreements,
terms, provisions and conditions contained in this Lease on the part of Tenant
to be performed and all acts and omissions of any licensee or subtenant or
anyone claiming under or through any subtenant which shall be in violation of
any of the obligations of this Lease, and any such violation shall be deemed to
be a violation by Tenant. Tenant further agrees that notwithstanding any such
subletting, no other and further subletting of the Premises by Tenant or any
person claiming through or under Tenant (except as provided in Section 9.05)
shall or will be made except upon compliance with and subject to the provisions
of this Article. If Landlord shall decline to give its consent to any proposed
assignment or sublease, or if Landlord shall exercise any of its options under
Section 9.02, Tenant shall indemnify, defend and hold harmless Landlord against
and from any and all loss, liability, damages, costs and expenses (including
reasonable counsel fees) resulting from any claims that may be made against
Landlord by the proposed assignee or sublessee or by any brokers or other
persons claiming a commission or similar or similar compensation in connection
with the proposed assignment or sublease; and

               (k) Tenant shall reimburse Landlord on demand for any costs that
may be incurred by Landlord in connection with any proposed assignment or
sublease, including, without limitation, the costs of making investigations as
to the acceptability of the proposed assignee or subtenant, and legal costs
incurred in connection with the granting of any requested consent.

               (l) It shall be an affirmative obligation of Tenant to comply
with the provisions of this Section 9.07 and Tenant's failure to do so shall be
a default under the terms of this Lease.

          9.08 In the event that (a) Landlord fails to exercise any of its
options under Section 9.02 and consents to a proposed assignment or sublease,
and (b) Tenant fails to execute and deliver the assignment or sublease to which
Landlord consented within 90 days after the giving of such consent, then, Tenant
shall again comply with all of the provisions and conditions of Section 9.02
before assigning this Lease or subletting all or part of the Demised Premises.

          9.09 With respect to each and every sublease or subletting authorized
by Landlord under the provisions of this Lease, it is further agreed:

               (a) no subletting shall be for a term ending later than one day
prior to the expiration date of this Lease;

               (b) no sublease shall be valid and no subtenant shall take
possession of the Demised Premises or any part thereof, until an executed
counterpart of such sublease has been delivered to Landlord; and

               (c) each sublease shall provide that it is subject and
subordinate to this Lease and to the matters to which this Lease is or shall be
subordinate, and that in the event of termination, re-entry or dispossess by
Landlord under this Lease Landlord may, at its option, take over all of the
right, title and interest of Tenant, as sublessor, under such sublease, and such
subtenant shall, at Landlord's option, attorn to Landlord pursuant to the then
executory provisions of such sublease, except that Landlord shall not (i) be
liable for any previous act or omission of Tenant under such sublease, (ii) be
subject to any offset, not expressly provided in such sublease, which
theretofore accrued to such subtenant against Tenant, or (iii) be bound by any
previous modification of such sublease or by any previous prepayment of more
than one month's rent.

          9.10 If the Landlord shall give its consent to any assignment of this
Lease or to any sublease, Tenant shall in consideration therefor, pay to
Landlord, as additional rent:

               (a) in the case of an assignment, an amount equal to all sums and
other considerations paid to Tenant by the assignee for or by reason of such
assignment (including, but not limited to, sums paid for the sale of Tenant's
fixtures, leasehold improvements, equipment, furniture, furnishings or other

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<PAGE>

personal property, less, in the case of a sale thereof, the then net unamortized
or undepreciated cost thereof determined on the basis of Tenant's federal income
tax returns); and

               (b) in the case of a sublease, any rents, additional charge or
other consideration payable to Tenant, directly or indirectly, by any subtenant
or any other entity or person related to, or affiliated with subtenant, or any
other amount received by Tenant or any entity or person related to, or
affiliated with, Tenant (including, but not limited to, any subsidiary or sister
corporation) from, or in connection with, any subletting that are in excess of
the fixed rent and additional rent accruing during the term of the sublease in
respect of the subleased space (at the rate per square foot payable by Tenant
hereunder) pursuant to the terms hereof (including, but not limited to, sums
paid for the sale or rental of Tenant's fixtures leasehold improvements,
equipment, furniture or other personal property, less, in the case of the sale
thereof, the then net unamortized or undepreciated cost thereof determined on
the basis of Tenant's federal income tax returns). The sums payable under this
Section 9.10(b) shall be paid to Landlord as and when payable by the subtenant
to Tenant.

          9.11 Intentionally Deleted.

          9.12 Any assignment or transfer, whether made with Landlord's consent
pursuant to Section 9.01 or without Landlord's consent pursuant to Section 9.11,
shall be made only if, and shall not be effective until, the assignee shall
execute, acknowledge and deliver to Landlord an agreement in form and substance
satisfactory to Landlord whereby the assignee shall assume the obligations of
this Lease on the part of Tenant to be performed or observed and whereby the
assignee shall agree that the provisions in Section 9.01 shall, notwithstanding
such assignment or transfer, continue to be binding upon it in respect of all
future assignments and transfers. The original named Tenant covenants that,
notwithstanding any assignment or transfer, whether or not in violation of the
provisions of this Lease, and notwithstanding the acceptance of fixed rent
and/or additional rent by Landlord from an assignee, transferee, or any other
party, the original named Tenant shall remain fully liable for the payment of
the fixed rent and additional rent and for the other obligations of this Lease
on the part of Tenant to be performed or observed.

          9.13 The joint and several liability of Tenant and any immediate or
remote successor in interest of Tenant and the due performance of the
obligations of this Lease on Tenant's part to be performed or observed shall not
be discharged, released or impaired in any respect by any agreement or
stipulation made by Landlord extending the time of, or modifying any of the
obligations of, this Lease, or by any waiver or failure of Landlord to enforce
any of the obligations of this Lease.

          9.14 The listing of any name other than that of Tenant, whether on the
doors of the Demised Premises or the Building directory, or otherwise, shall not
operate to vest any right or interest in this Lease or in the Demised Premises,
nor shall it be deemed to be the consent of Landlord to any assignment, or
transfer of this Lease or to any sublease of the Demised Premises or to the use
or occupancy thereof by others.

          9.15 If Tenant assumes this Lease and proposes to assign the same
pursuant to the provisions of 11 U.S.C. Section 101 et seq., or any statute of
similar purpose or nature (the "BANKRUPTCY CODE") to any person or entity who
shall have made a bona fide offer to accept an assignment of this Lease on terms
acceptable to the Tenant, then notice of such proposed assignment shall be given
to Landlord by Tenant no later than twenty (20) days after receipt of such offer
by Tenant, but in any event no later than ten (10) days prior to the date that
Tenant shall make application to a court of competent jurisdiction for authority
and approval to enter into such assignment and assumption. Such notice shall set
forth (a) the name and address of such person, (b) all of the terms and
conditions of such offer, and (c) adequate assurance of future performance by
such person under the Lease, including, without limitation, the assurance
referred to in Section 365(b)(3) of the Bankruptcy Code. Landlord shall have the
prior right and option, to be exercised by notice to Tenant given at any time
prior to the effective date of such proposed assignment, to accept an assignment
of this Lease upon the same terms and conditions and for the same consideration,
if any, as the bona fide offer made by such person, less any brokerage
commissions which would otherwise be payable by Tenant out of the consideration
to be paid by such person in connection with the assignment of this Lease. Any
person or entity to which this Lease is assigned pursuant to the provisions of
the Bankruptcy Code shall be deemed without further act or deed to have assumed
all of the obligations arising under this Lease from and after the date of such
assignment, and to be subject to Tenant's use restrictions, and operating
covenant, set forth in this Article hereof. Any such assignee shall execute and
deliver to Landlord upon demand an instrument confirming such assumption. If
this Lease is assigned to any person or entity pursuant to the provisions of the
Bankruptcy Code, any and all monies or other consideration payable or otherwise
to be delivered in connection with such assignment shall be paid or delivered to
Landlord, shall be and remain the exclusive property of Landlord and shall not
constitute property of Tenant or of the estate of Tenant within the meaning of
the Bankruptcy Code. Any and all monies or other consideration constituting
Landlord's property under the preceding sentence not paid or delivered to
Landlord shall be held in trust for the benefit of Landlord and shall be
promptly paid to or turned over to Landlord.

          9.16 The term "adequate assurance of future performance" as used in
this Lease shall mean (in addition to the assurances called for in said Section
365(b)(3) that any proposed assignee shall, among other things, (a) deposit with
Landlord on the assumption of this Lease an amount equal to the then annual
Fixed Rent and Additional Rent as security for the faithful performance and
observance by such assignee of the terms and obligations of this Lease, (b)
furnish Landlord with financial statements of such assignee for the prior three
(3) fiscal years, as finally determined after an audit and certified as correct
by a certified public accountant, which financial statements shall show a net
worth at least equal to five (5) times the then Fixed Rent plus Additional Rent
payable in the year such statements shall be furnished, (c) grant to Landlord a
security interest in such property of the proposed assignee as Landlord shall
deem necessary to secure such assignee's future performance under this Lease,
and (d) provide such other information or take such action as Landlord, in its
reasonable judgment, shall determine is necessary to provide adequate assurance
of the performance by such assignee of its obligations under the Lease.

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<PAGE>

          9.17 Notwithstanding any of the foregoing provisions, covenants, and
conditions to the contrary, if this Lease is assigned to any person or entity
pursuant to the provisions of the Bankruptcy Code, any and all monies or other
considerations payable or otherwise to be delivered in connection with such
assignment shall be paid or delivered to Landlord, shall be and remain the
exclusive property of Landlord and shall not constitute property of Tenant or of
the estate of Tenant within the meaning of the Bankruptcy Code. Any and all
monies or other considerations constituting Landlord's property under the
preceding sentence not paid or delivered to Landlord shall be held in trust for
the benefit of Landlord and be promptly paid to or turned over to Landlord. If
Tenant proposes to assign this Lease pursuant to the provisions of the
Bankruptcy Code to any person or entity who shall have made a bona fide offer to
accept an assignment of this Lease on terms acceptable to Tenant, then notice of
such proposed assignment setting forth (a) the name and address of such person,
(b) all of the terms and conditions of such offer, and (c) the adequate
assurance to be provided by Tenant to assure such person's future performance
under the Lease, including, without limitation, the assurance referred to in
Section 365(b)(3) of the Bankruptcy Code, or any such successor or substitute
legislation or rule thereto, shall be given to Landlord by Tenant no later than
20 days after receipt by Tenant, but in any event no later than 10 days prior to
the date that Tenant shall make application to a court of competent jurisdiction
for authority and approval to enter into such assignment and assumption.
Landlord shall thereupon have the prior right and option, to be exercised by
notice to Tenant given at any time prior to the effective date of such proposed
assignment, to accept an assignment of this Lease upon the same terms and
conditions and for the same consideration, if any, as the bona fide offer made
by such person, less any brokerage commissions which may be payable out of the
consideration to be paid by such person for the assignment of this Lease. Any
person or entity to which this Lease is assigned pursuant to the provisions of
the Bankruptcy Code shall be deemed without further act or deed to have assumed
all of the obligations arising under this Lease on or after the date of such
assignment. Any such assignee shall upon demand execute and deliver to Landlord
an instrument confirming such assumption.

          9.18 If, at any time after Tenant may have assigned Tenant's interest
in this Lease, this Lease shall be disaffirmed or rejected in any proceeding of
the types described in Section 9.15 or Section 25.01 hereof, or in any similar
proceeding, or in the event of termination of this Lease by reason of any such
proceeding or by reason of lapse of time following notice of termination given
pursuant to Article 25 or otherwise in this Lease, based upon any of the events
of default set forth in said Section 25.01, or otherwise in lease, Tenant, upon
request of Landlord given within thirty (30) days next following any such
disaffirmance, rejection or termination (and actual notice thereof to Landlord
in the event of a disaffirmance or rejection or in the event of termination
other than by act of Landlord), shall (a) pay to Landlord all Fixed Rent and
Additional Rent due and owing by the assignee to Landlord under this Lease to
and including the date of such disaffirmance, rejection or termination, and (b)
as "tenant," enter into a new lease with Landlord for a term commencing on the
effective date of such disaffirmance, rejection or termination and ending on the
expiration date of the Term, unless sooner terminated as in such lease provided,
at the same Fixed Rent and Additional Rent and upon the then executory terms,
covenants and conditions as are contained in this Lease, except that (i)
Tenant's rights under the new lease shall be subject to the possessory rights of
the assignee under this Lease and the possessory rights of any person claiming
through or under such assignee or by virtue of any statute or of any order of
any court, (ii) such new lease shall require all defaults existing under this
Lease to be cured by Tenant with due diligence, and (iii) such new lease shall
require Tenant to pay all Fixed Rent and Additional Rent reserved in this Lease
which, had this Lease not been so disaffirmed, rejected or terminated, would
have accrued under the provisions of this Lease after the date of such
disaffirmance, rejection or termination with respect to any period prior
thereto. If Tenant shall default in its obligation to enter into said new lease
for a period of ten (10) days next following Landlord's request therefor, then
in addition to all other rights and remedies by reason of such default, either
at law or in equity, Landlord shall have the same rights and remedies against
Tenant as if Tenant had entered into such new lease and such new lease had
thereafter been terminated as of the commencement date thereof by reason of
Tenant's default thereunder.

          9.19 The provisions of Sections 9.09 through and including 9.19 hereof
shall survive the expiration or earlier termination of this Lease.

          9.20 In no event shall Tenant mortgage, encumber, pledge, grant a
security interest in, collaterally assign or conditionally transfer this Lease,
any equipment or fixtures incorporated in or used in connection with the Demised
Premises or any subleases or any of the rents, issues and profits therefrom.

                                   ARTICLE 10
                      COMPLIANCE WITH LAWS AND REQUIREMENTS
                              OF PUBLIC AUTHORITIES

          10.01 Tenant shall give prompt notice to Landlord of any notice it
receives of the violation of any law rule, order, ordinance, direction,
regulation or requirement of any federal, state municipal or public authority.
Tenant, at its expense, shall comply with all laws rules, orders, ordinances,
directions, regulations and requirements of municipal or public authorities now
in force or which may hereafter be in force which shall, with respect to the
Demised Premises or the use and occupation thereof, or the abatement of any
nuisance, impose any violation, order or duty on Landlord or Tenant, arising
from (i) Tenant's use, occupation, or alteration of the Demised Premises, (ii)
any cause or condition created by or at the instance of Tenant, other than by
other property therein, (iii) any cause or condition created by or at the
instance of Tenant, other than by Landlord's performance of any work for or on
behalf of Tenant, or (iv) breach of any of Tenant's obligations hereunder.
However, Tenant shall not be so required to make any structural or other
substantial change in the Demised Premises unless the requirement arises from a
cause or condition referred to in clause (ii), (iii), or (iv) above.
Furthermore, Tenant need not comply with any such law or requirement of public
authority so long as Tenant shall be contesting the validity thereof, or the
applicability thereof to the Demised Premises, in accordance with Section 10.02.
Landlord, at its expense, shall comply with all other such laws and requirements
of public authorities as shall affect the Demised Premises, but may similarly
contest the same subject to conditions reciprocal to subsections (a), (b) and
(d) of Section 10.02.

                                       11

<PAGE>

          10.02 Tenant may, at its expense (and if necessary, in the name of but
without expense to Landlord) contest, by appropriate proceedings prosecuted
diligently and in good faith, the validity, or applicability to the Demised
Premises, of any law or requirement of public authority, and Landlord shall
cooperate with Tenant in such proceedings, provided that:

               (a) Landlord shall not be subject to criminal penalty or to
prosecution for a crime nor shall the Demised Premises or any part thereof be
subject to being condemned or vacated, by reason of noncompliance or otherwise
by reason of such contest;

               (b) Tenant shall defend, indemnify and hold harmless Landlord
against all liability, loss or damage which Landlord shall suffer by reason of
such non-compliance or contest, including reasonable attorney's fees and other
expenses reasonably incurred by Landlord;

               (c) such non-compliance or contest shall not constitute or result
in any violation of any superior lease or superior mortgage, or if such superior
lease and/or superior mortgage shall permit such noncompliance or contest on
condition of the taking of action or furnishing of security by Landlord, such
action shall be taken and such security shall be furnished at the expense of
Tenant; and

               (d) Tenant shall keep Landlord advised as to the status of such
proceedings. Without limiting the application of Subsection (a) above thereto,
Landlord shall be deemed subject to prosecution for a crime within the meaning
of said Subsection, if Landlord, or any officer of Landlord individually, is
charged with a crime of any kind or degree whatever, whether by service of a
summons or otherwise, unless such charge is withdrawn before Landlord or such
officer (as the case may be) is required to plead or answer thereto.

          10.03 Landlord represents that it will comply within all present laws
within Landlord's control which are related to the Building.

                                   ARTICLE 11
                                    INSURANCE

          11.01 Tenant assumes the liability for damage to the Demised Premises,
all improvements, fixtures, partitions, equipment and person property therein,
and all appurtenances thereto, regardless of the cause thereof. Except as
otherwise provided herein, Tenant expressly waives and releases Landlord from
all claims against Landlord and agrees to hold Landlord harmless for any loss
resulting from damage or loss to Tenant's goods, wares, merchandise,
inventories, fixtures and/or equipment of any invitee, subsidiary, or affiliate
of Tenant in, upon or about said Demised Premises regardless of the cause.

          11.02 Tenant shall secure, pay for and maintain, at its own expense,
the following insurance policies in full force and effect during the term of the
Lease for the benefit of the Landlord, Tenant and any holder of a mortgage on
the Building of which Tenant has notice:

               (a) Commercial General Liability: at limits of $3,000,000
aggregate per occurrence/$3,000,000 aggregate per location subject to no
deductible including broad form general liability extensions without limitations
and host liquor liability coverage. Contractual liability, if not written on a
blanket basis must be endorsed to cover indemnities specified herein. This
policy shall be written on an "occurrence" basis.

                    Policy shall be endorsed to name Landlord as "additional
insured". Definition of Additional Insured shall include all partners, officers,
directors, employees, agents and representatives of the named entity including
its managing agent, if any. Further, coverage for "Additional Insured" shall
apply on a primary basis irrespective of any other insurance, whether
collectible or not.

                    (b) Property Insurance: Replacement cost insurance on
Tenant's machinery, equipment, furniture and fixtures, goods, wares,
merchandise, improvements/betterments and Business Interruption/Extra Expense in
sufficient amounts against damage caused by fire and all other perils covered by
a standard All Risk Insurance Policy. Tenant agrees to waive its right of
subrogation against Landlord and shall obtain a waiver from its respective
insurance companies releasing these carriers' subrogation rights against the
Landlord.

                    (c) Commercial Auto Liability Insurance (with special
endorsement covering mobile equipment and contractual liability) covering owned,
non-owned and hired vehicles providing bodily injury and property damage
coverage, all on a per occurrence basis, at a combined single limit in such
amount as Landlord and Landlord's managing agent may reasonably determine and in
no event less than one million ($1,000,000) dollars;

                    (d) Workers Compensation and Employers Liability Insurance
affording coverage under the Workers Compensation laws of the applicable State
and Employers Liability coverage subject to a limit of no less than $500,000
each employee, $500,000 each accident, $500,000 policy limit.

                    (e) Umbrella Liability Insurance at not less than a
$5,000,000 limit providing excess coverage over all limits and coverages noted
above in this Section 11.02. This policy shall be written on an "occurrence"
basis.

                    Policy shall be endorsed to name Landlord as "additional
insured". Definition of Additional Insured shall include all partners, officers,
directors, employees, agents and representatives of the

                                       12

<PAGE>

named entity including its managing agent, if any. Further, coverage for
"Additional Insured" shall apply on a primary basis irrespective of any other
insurance, whether collectible or not.

               (f) Insurance covering in full interruption of Tenant's business
for a minimum of twenty-four (24) months;

               (g) Evidence (Notices) of Compliance All policies shall be
endorsed to provide that in the event of cancellation, non-renewal or material
modification, Landlord shall receive thirty (30) days written notice thereof.
Tenant shall furnish Landlord with Certificates of Insurance evidencing
compliance with all insurance provisions noted above no later than (5) days
prior to the Commencement Date; and prior to the expiration or anniversary of
the respective policy terms. All Certificates of Insurance or policy termination
notices should be delivered to:

                         173 Bridge Plaza North
                         Fort Lee, New Jersey 07024
                         Attention: ___________________

               (h) Indemnification/Hold Harmless Tenant shall, to the fullest
extent permitted by law and at its own cost and expense, defend, indemnify and
hold Landlord its partners, directors, officers, employees, servants,
representatives and agents harmless from and against any and all claims, loss,
(including attorneys' fees, witnesses' fees and all court costs), damages,
expense and liability (including statutory liability), resulting from injury
and/or death of any person or damage to or loss of any property arising out of
any negligent or wrongful act, error or omission or breach of contract, in
connection with the operations of Tenant. The foregoing indemnity shall include
injury or death of any employee of Tenant and shall not be limited in any way by
an amount or type of damages, compensation or benefits payable under any
applicable Workers Compensation, Disability Benefits or other similar employee
benefits acts.

               (i) All policies noted above shall be written with insurance
companies licensed to do business in the State of New Jersey and rated no lower
than A:10 in the most current edition of A.M. Best's Property Casualty Key
Rating Guide.

Failure to comply with any of the insurance provisions noted above will result
in a breach of the Lease by the Tenant.

          11.03 Tenant shall endeavor to secure an appropriate clause in, or an
endorsement upon, each "All Risk" property policy obtained by it and covering
the Demised Premises or the personal property, fixtures and equipment located
therein or thereon, pursuant to which the Tenant's insurance company waives
subrogation or permits the insured, prior to any loss, to agree with a third
party to waive any claim it might have against said third party. The waiver of
subrogation or permission for waiver of any claim hereinbefore referred to shall
extend to the agents of Tenant and its employees and, shall also extend to all
other persons and entities occupying or using the Demised Premises in accordance
with the terms of this Lease.

          11.04 If, by reason of a failure of Tenant to comply with any of the
provisions of Article 10 or Article 11, the rate of fire insurance with extended
coverage on the Building or equipment or other property of Landlord shall be
higher than it otherwise would be, Tenant shall reimburse Landlord, on demand,
for that part of the premiums for fire insurance and extended coverage paid by
Landlord because of such failure on the part of Tenant.

          11.05 A schedule or make up of rates for the Building or the Demised
Premises, as the case may be, issued by the New Jersey Fire Insurance Rating
Organization or other similar body making rates for fire insurance and extended
coverage for the premises concerned, shall be conclusive evidence of the facts
therein stated and of the several items and charges in the fire insurance rate
with extended coverage then applicable to such premises.

                                   ARTICLE 12
                             RULES AND REGULATIONS

          12.01 Tenant and its employees and agents shall faithfully observe and
comply with the Rules and Regulations annexed hereto as EXHIBIT D, and such
reasonable changes therein (whether by modification, elimination or addition) as
Landlord at any time or times hereafter may make and communicate in writing to
Tenant, which do not unreasonably affect the conduct of Tenant's business in the
Demised Premises except as required by any governmental law, rule, regulation,
ordinance or similar decree; provided, however, that in case of any conflict or
inconsistency between the provisions of this Lease and any of the Rules and
Regulations as originally promulgated or as changed, the provisions of this
Lease shall control.

          12.02 Nothing in this Lease contained shall be construed to impose
upon Landlord any duty or obligation to Tenant to enforce the Rules and
Regulations or the terms, covenants or conditions in any other lease, as against
any other tenant, and Landlord shall not be liable to Tenant for violation of
the same by any other tenant or its employees, agents or visitors. However,
Landlord shall not enforce any of the Rules and Regulations in such manner as to
discriminate against Tenant or anyone claiming under or through Tenant, and
Landlord agrees to use reasonable efforts to promptly investigate any violation
of a Rule or Regulation.

                                       13

<PAGE>

                                   ARTICLE 13
                                TENANT'S CHANGES

          13.01 Tenant shall not during the term of this Lease, make
alterations, additions, installation, substitutions, improvements and
decorations (hereinafter collectively referred to as "CHANGES" and, as applied
to changes provided for in this Article, "TENANT'S CHANGES") in and to the
Demised Premises. In the event Landlord approves any requested Tenant's Changes,
Tenant agrees that these will be subject to the following conditions:

               (a) No Tenant Change shall affect the outside appearance or the
strength of the Building or of any of its structural parts.

               (b) No Tenant Change shall affect any part of the Building
outside of the Demised Premises.

               (c) No Tenant Change shall adversely affect the proper
functioning of any of the mechanical, electrical, sanitary and other service
systems of the Building.

               (d) in performing the work involved in making such changes,
Tenant shall be bound by and observe all of the conditions and covenants
contained in the following Sections of this Article; and

               (e) Before proceeding with any Tenant's Changes, Tenant will
advise Landlord thereof and shall submit to Landlord all plans and
specifications and all changes and revisions thereto for the proposed changes,
and for the work to be done for Landlord's approval and Tenant shall, upon
demand of Landlord, pay to Landlord the reasonable costs incurred by Landlord
for the review of such plans and specifications and all changes and revisions
thereto by its architect, engineer and other consultants. Landlord may as a
condition of its approval require Tenant to make revisions in and to the plans
and specifications and to post a bond or other security reasonably satisfactory
to Landlord to insure the completion of such change. Notwithstanding the
foregoing, Landlord's approval of plans and specifications shall not be required
in connection with any cosmetic non-structural change, the estimated cost of
which, in the aggregate, does not exceed seven thousand five hundred ($7,500.00)
dollars provided such changes may be undertaken without the filing of any
materials with the City of Fort Lee (exclusive of the costs of decorating work
and items constituting TENANT'S PROPERTY, as defined in Article 14, and any
architect's and engineer's fees) and provided same complies with all applicable
laws, rules and regulations.

               (f) Landlord will choose a contractor who will perform the
Tenant's Changes at Tenant's sole cost and expense. Additionally, Tenant shall
pay to Landlord, on demand, an amount equal to twenty (20%) percent of the
contract price, which includes Landlord's overhead for administration, review
and handling of the Changes.

               (g) It is further agreed upon that should the Tenant fail after
three (3) days request by Landlord to provide any necessary information to the
Landlord, the Landlord may, at it's option, perform the Changes using building
standard materials and charge Tenant the cost of said work, plus twenty (20%)
percent of Landlord's cost (which building standard materials include items
generally included within the term "building standard materials" in the
Metropolitan New York area).

               (h) 1. Before commencement of Tenant's Changes, Tenant's general
contractor and/or sub-contractors shall secure, pay for and maintain the
following insurance: (i) property insurance upon all tools, material and
equipment (owned, borrowed or leased by the contractor or their employees) to
the full replacement value thereof during the full term of this contract. This
insurance shall insure against damage or loss caused by fire and other perils
covered by a standard "All Risk" insurance policy. Contractors agree to waive
their right of subrogation against Landlord. The property policy shall allow for
a waiver of subrogation in favor of Landlord. Failure of the contractor to
secure and maintain adequate coverage shall not obligate the Landlord or its
agents or employees for any losses; (ii) Workers Compensation affording coverage
under the Workers Compensation laws of the State of New Jersey and Employers
Liability coverage subject to a limit of no less than $500,000 each employee,
$500,000 each accident, and $500,000 policy limit; (iii) Commercial General
Liability Insurance for limits of $1,000,000 per occurrence Bodily Injury and
Property Damage Combined, $1,000,000 per occurrence Personal & Advertising
Injury, $2,000,000 aggregate Products and Completed Operations Liability,
$100,000 Fire Legal Liability and $2,000,000 General Aggregate limit per
location per job. The policy shall be written on an occurrence basis with no
deductible; (iv) Automobile Liability Insurance for Bodily Injury and Property
Damage in the amount of $1,000,000 combined and covering all owned, non-owned
and hired vehicles; and (v) Umbrella Liability Insurance at not less than a
$5,000,000 limit providing excess coverage over all limits and coverages noted
in paragraphs (i), (ii), (iii) and (iv) above. This policy shall be written on
an "occurrence" basis. All policies noted in the above shall be written with
insurance companies licensed to business in the State of New Jersey and rate no
lower than A:10 in the most current edition of A.M. Best's Property Casualty
Key Rating Guide. All policies noted in the above shall be endorsed to name
Landlord as "Additional Insured". Definition of Additional Insured shall include
partners, officers, directors, employees, agents and representatives of the
named entity including its managing agent. Further coverage for the "Additional
Insured shall apply on a primary basis irrespective of any other insurance,
whether collectible. Tenant's General Contractor and/or subcontractor(s) shall
furnish Landlord with original insurance policies or duly executed, appropriate
certificates (together with reasonably adequate evidence of waivers of
subrogation as required herein and or payment of insurance premiums), together
with all replacements, renewals and endorsements, no later than five (5) days
prior to commencement of Tenant's Changes and if applicable, Tenant's Initial
Installation.

                    2. At its own cost and expense, Tenant, Tenant's general
contractor (if other than Landlord) shall, in accordance with all of the
insurance requirements herein contained, obtain professional liability insurance
for all architects, designers and engineers with regard to all of their work in
or in connection with the Demised Premises, in a minimum policy amount of
$1,000,000.

                                       14

<PAGE>

                    3. The limits of all insurance provided herein shall: (i)
not limit Tenant's liability to Landlord under this Lease; and (ii) be subject
to increase to the same extent as otherwise provided under this Lease with
respect to liability insurance.

                    4. All policies of insurance maintained by Tenant, Tenant's
general contractor and/or subcontractor herein, shall be written as primary
policies not contributing with, nor in excess of, insurance coverage that
Landlord and Others in Interest may have. Tenant shall not carry separate or
additional insurance which, in the event of any loss or damage, is concurrent in
form or would contribute with the insurance required to be maintained by Tenant
under this Lease.

                    5. Each policy required to be provided hereunder (and each
certificate of insurance issued with respect thereto) shall contain endorsements
by the insurer, without disclaimers, that the policies will not be canceled,
materially changed, amended, reduced or non-renewed without at least thirty (30)
days prior notice to Landlord and Others in Interest, that the act or omission
of any insured will not invalidate the policy as to any other insured, and that
Tenant (or the general contractor or subcontractor(s), as the case may be)
solely shall be responsible for payment of all premiums under such policies and
that neither Landlord nor Others in Interest shall have any obligations for the
payment thereof.

                    6. In the event Tenant or its contractors shall fail to
procure and place any insurance required under this Lease, after notice to
Tenant, Landlord may, but shall not be obligated to, procure and place same, in
which event the amount of the premium paid shall be refunded by Tenant to
Landlord within 30 days of notice, as additional rent.

          13.02 Tenant, at its expense, shall obtain all necessary governmental
permits and certificates for the commencement and prosecution of Tenant's
Changes and for final approval thereof upon completion and shall furnish copies
thereof to Landlord, so that the Tenant's Changes to be performed in compliance
therewith and with all applicable laws and requirements of public authorities,
and with all applicable requirements of insurance bodies, and in good and
workmanlike manner, using new materials and equipment at least equal in quality
and class to the original installations in the Building. Tenant's Changes will
be performed in such manner as not to unreasonably interfere with or delay and
as not to impose any additional expense upon Landlord in the construction,
maintenance or operation of the Building or any portion thereof. If any of
Tenant's Changes shall involve the removal of any fixtures, equipment or other
property in the Demised Premises which are not Tenant's Property (as defined in
Article 14), Tenant shall notify Landlord and such fixtures, equipment or other
property shall be promptly replaced, by Landlord at Tenant's expense, with new
fixtures, equipment or other property (as the case may be) of like utility and
at least equal value unless Landlord shall otherwise expressly consent in
writing and Tenant shall, upon Landlord's request, store and preserve, at
Tenant's sole cost and expense, any such fixtures, equipment or property so
removed and shall return same to Landlord upon the expiration or sooner
termination of this Lease. All electrical and plumbing work in connection with
Tenant's Changes shall be performed by Landlord's contractors or subcontractors
licensed therefor by all governmental agencies having or asserting jurisdiction.
Upon the completion of Tenant's Changes, Tenant shall furnish to Landlord a
complete set of "as-built" plans and specifications.

          13.03 Tenant, at its expense, and with diligence and dispatch, shall
procure the cancellation or discharge of all notices of violation arising from
or otherwise connected with Tenant's Changes which shall be issued by the
Department of Buildings or any other public or quasi-public authority having or
asserting jurisdiction. Tenant shall defend, indemnify and save harmless
Landlord against any and all mechanic's and other liens filed in connection with
Tenant's Changes, including the liens of any security interest in, conditional
sales of, or chattel mortgages upon, any materials, fixtures or articles so
installed in and constituting part of the Demised Premises and against all
costs, expense and liabilities incurred in connection with any such lien,
security interest, conditional sale or chattel mortgage or any action or
proceeding brought thereon. Tenant, at its expense, shall procure the
satisfaction or discharge of all such liens within fifteen (15) days after
Landlord makes written demand therefor. However, nothing herein contained shall
prevent Tenant from contesting, in good faith and at its own expense, any such
notice of violation, provided that Tenant shall comply with the provisions of
Section 10.01.

          13.04 Tenant agrees that the exercise of its rights pursuant to the
provisions of this Article 13 or any other provision of this Lease shall not be
done in a manner which would create any work stoppage, picketing, labor
disruption or dispute or violate Landlord's union contracts affecting the Land
and/or Building nor interference with the business of Landlord or any Tenant or
occupant of the Building. In the event of the occurrence of any condition
described above arising from the exercise by Tenant of its right pursuant to the
provisions of this Article 13 or any other provision of this Lease, Tenant
shall, immediately upon notice from Landlord, cease the manner of exercise of
such right giving rise to such condition. In the event Tenant fails to cease
such manner of exercise of its rights as aforesaid, Landlord, in addition to any
rights available to it under this Lease and pursuant to law, shall have the
right to injunction without notice. With respect to Tenant's Changes, Tenant
shall make all arrangements for, and pay all expenses incurred in connection
with, use of the freight elevators servicing the Demised Premises, at Landlord's
demand.

          13.05 Notwithstanding, anything to the contrary contained herein,
Tenant shall make no changes, additions, alterations, or improvements to the
Demised Premises that are visible from outside the Demised Premises without
obtaining the prior written consent of Landlord; and Landlord shall have the
right to withhold such consent in its sole and absolute discretion.

          13.06 All Tenant Changes shall be done at Tenant's expense and at such
times and in such manner as Landlord may from time to time reasonably designate.

                                       15

<PAGE>

                                   ARTICLE 14
                                TENANT'S PROPERTY

          14.01 All fixtures, equipment, improvements and appurtenances attached
to or built into the Demised Premises at the commencement of or during the term
of this Lease, whether or not by or at the expense of Tenant, shall be and
remain a part of the Demised Premises, shall be deemed the property of Landlord
and shall not be removed by Tenant, except as hereinafter in this Article
expressly provided including, without limitation the items set forth in Schedule
A annexed hereto and made a part hereof, regardless of whether paid for and/or
installed by Landlord or Tenant ("LANDLORD'S PROPERTY").

          14.02 Except for Landlord's Property, all paneling, movable
partitions, lighting fixtures, special cabinet work, other business and trade
fixtures, machinery and equipment, communications equipment and office
equipment, whether or not attached to or built into the Demised Premises, which
are installed in the Demised Premises by or for the account of Tenant, without
expense to Landlord, and can be removed without permanent structural damage to
the Building, and all furniture, furnishings and other articles of movable
personal property owned by Tenant and located in the Demised Premises, (all of
which are sometimes referred to as "TENANT'S PROPERTY") shall be and shall
remain the property of Tenant and may be removed by it at any time during the
term of this Lease; provided that if any of Tenant's Property is removed, Tenant
or any party or person entitled to remove same shall repair or pay the cost of
repairing any damage to the Demised Premises or to the Building resulting from
such removal. No Landlord's Property, and no equipment or other property for
which Landlord shall have granted any allowance or credit to Tenant or which has
replaced such items originally provided by Landlord at Landlord's expense shall
be considered Tenant's Property.

          14.03 At or before the Expiration Date, or the date of any earlier
termination of this Lease, or as promptly as practicable after such an earlier
termination date, Tenant at its expense, shall remove from the Demised Premises
all of Tenant's Property except such items thereof as Tenant shall have
expressly agreed in writing with Landlord were to remain and to become the
property of Landlord, and shall fully repair any damage to the Demised Premises
or the Building resulting from such removal. Tenant's obligation herein shall
survive the termination of the lease.

          14.04 Any other items of Tenant's Property (except money, securities
and other like valuables) which shall remain in the Demised Premises after the
Expiration Date or after a period of fifteen (15) days following an earlier
termination date, may, at the option of the Landlord, be deemed to have been
abandoned, and in such case either may be retained by Landlord as its property
or may be disposed of, without accountability, at Tenant's expense in such
manner as Landlord may see fit.

          14.05 Upon request by Landlord, Tenant shall execute and deliver to
Landlord (a) a security agreement in a form reasonably provided by Landlord
whereby tenant shall grant to Landlord a security interest in Tenant's Property
and all proceeds of the foregoing, and (b) any and all additional documents
necessary to perfect or preserve the Landlord's security interest, including any
and all UCC-1 financing statements or continuations. Tenant agrees to pay any
and all filing and administrative costs related to Landlord's security interest.

                                   ARTICLE 15
                             REPAIRS AND MAINTENANCE

          15.01 Tenant shall take good care of the Demised Premises. Tenant, at
its expense, shall promptly make all repairs, ordinary or extraordinary,
interior or exterior, structural or otherwise, in and about the Demised Premises
and the Building, as shall be required by reason of (i) the performance or
existence of Tenant's Work or Tenant's Changes, (ii) the installation, use or
operation of Tenant's Property in the Demised Premises, (iii) the moving of
Tenant's Property in or out of the Building, or (iv) the misuse or neglect of
Tenant or any of its employees, agents or contractors; but Tenant shall not be
responsible for any of such repairs as are required by reason of Landlord's
neglect or other fault in the manner of performing any of Tenant's Work or
Tenant's Changes which may be undertaken by Landlord for Tenant's account or are
otherwise required by reason of neglect or other fault of Landlord or its
employees, agents or contractors. Except if required by the neglect or other
fault of Landlord or its employees, agents or contractors, Tenant, at its
expense, shall replace all scratched, damaged or broken doors or other glass in
or about the Demised Premises and shall be responsible for all repairs,
maintenance and replacement of wall and floor coverings in the Demised Premises
and, for the repair and maintenance of all lighting fixtures therein.

          15.02 Landlord, at its expense, shall keep and maintain the Building
and its fixtures, appurtenances, systems and facilities serving the Demised
Premises, in good working order, condition and repair and shall make all
repairs, structural and otherwise, interior and exterior, as and when needed in
or about the Demised Premises, except for those repairs for which Tenant is
responsible pursuant to any other provisions of this Lease.

          15.03 Except as expressly otherwise provided in this Lease, Landlord
shall have no liability to Tenant by reason of any inconvenience, annoyance,
interruption or injury to business arising from Landlord's making any repairs or
changes which Landlord is required or permitted by this Lease, or required by
law, to make in or to any portion of the Building or the Demised Premises, or in
or to the fixtures, equipment or appurtenances of the Building or the Demised
Premises, provided that Landlord shall use due diligence with respect thereto
and shall perform such work, except in case of emergency, at times reasonably
convenient to Tenant and otherwise in such manner as will not materially
interfere with Tenant's use of the Demised Premises.

                                       16

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                                   ARTICLE 16
                                   ELECTRICITY

          16.01 Subject to the terms of Section 16.03, Landlord shall allow
distribution of electrical service to the Demised Premises twenty four hours a
day seven days a week for lighting the same and for the operation of normal
office equipment (such as typewriters, computers, calculators and copy machines)
therein. Except as provided to the contrary in Sections 16.04, 16.06, 16.07,
16.08 and 16.09 of this Article, the charge for the furnishing of such
electrical service shall be $660,800.00 per annum ($55,066.67 per month) payable
in monthly installments by Tenant as additional rent (the "INITIAL ELECTRICITY
FACTOR"), subject to adjustment as provided in Section 16.04 of this Article.]
The Initial Electricity Factor, as the same may from time to time hereafter be
increased pursuant to the terms of Sections 16.04 and 16.05 of this Article, is
hereinafter called the Electricity Factor. Notwithstanding the foregoing,
however, Tenant agrees that Landlord shall not in any way be liable or
responsible to Tenant for any loss, damage, or expense that Tenant may sustain
or incur if either the quantity or character of electrical service is changed,
is no longer available, or is unsuitable for Tenant's requirements. At
Landlord's option, Tenant shall purchase from Landlord or its agent all lamps,
starters, ballasts, or bulbs used in the Demised Premises. The Electricity
Factor, as the same may be increased from time to time pursuant to this Article
16, shall increase by three (3%) percent per annum on a cumulative basis.

          16.02 Tenant covenants and agrees that, at all times, its use of
electric current shall never exceed the capacity of the feeders to the Building
or the risers or wiring installation thereof. In connection therewith, Tenant
expressly agrees that all installations, alterations and additions of and to the
electrical fixtures, appliances, or equipment within the Demised Premises shall
be subject to Landlord's prior written approval, and, if such approval shall be
given, rigid conduit only shall be permitted. If, in connection with any request
for such approval, Landlord shall, in its sole judgment, determine that the
risers of the Building servicing the Demised Premises shall be insufficient to
supply Tenant's electrical requirements with respect thereto, Landlord shall, at
the sole cost and expense of Tenant, install any additional feeder(s) that
Landlord shall deem necessary with respect thereto, provided, however, that, if
Landlord shall determine, in its sole judgment, that the same will cause
permanent damage or injury to the Building or to the Demised Premises, cause or
create a dangerous or hazardous condition, entail excessive or unreasonable
alterations, repairs, or expense, or interfere with, or disturb, the other
tenants or occupants of the Building, then Landlord shall not be obligated to
make such installation, and Tenant shall not make the installation, alteration,
or addition with respect to which Tenant requested Landlord's consent. In
addition to the installation of such riser or risers, Landlord will also, at the
sole cost and expense of Tenant, install all other equipment necessary and
proper in connection therewith, subject to the aforesaid terms and conditions.
All of the aforesaid costs and expenses are chargeable and collectible as
additional rent, and shall be paid by Tenant to Landlord within five (5) days
after rendition of any bill or statements to Tenant therefor.

          16.03 Provided that it is physically possible for Tenant to receive
electric current in the Demised Premises directly from the corporation(s) and/or
other entities Landlord has selected to supply electrical service to the
Building, Landlord may discontinue the aforesaid service upon thirty (30) days'
notice to Tenant without being liable to Tenant therefor and without in any way
affecting this Lease or the liability of Tenant hereunder, and the same shall
not be deemed to be a lessening or diminution of services within the meaning of
any law, rule, or regulation now or hereafter enacted, promulgated, or issued.
In the event that Landlord gives such notice of discontinuance, Landlord shall
permit Tenant to receive such service directly from such corporation(s) and/or
other entities Landlord has selected to supply electrical service to the
Building and shall permit Landlord's wires and conduits, to the extent
available, suitable and safely capable, to be used for such purpose. Any
additional wires, conduits, or other equipment necessary and proper in
connection therewith shall be installed by Landlord in accordance with the terms
of, and subject to the conditions contained in, Section 16.02 of this Article.
In the event that Landlord exercises its rights under this Section 16.03, then:
(a) Tenant shall contract for such electrical service directly with the said
corporation(s) and/or other entities so selected by Landlord to supply
electrical service to the Building for all of Tenant's electrical service
requirements and (b) as of the date upon which Landlord discontinues furnishing
electric current to Tenant, (i) the Initial Electricity Factor shall remain
payable as aforesaid and (ii) any Increased Usage Charge (as such term is
defined in Section 16.06 of this Article) shall be discontinued.

          16.04 After the Commencement Date, Landlord's Consultant (as such term
is defined in Section 16.06 of this Article) shall have the right to make a
survey (hereinafter called the ELECTRICAL SURVEY) of the Demised Premises,
indicating the lighting load, office equipment and electrical usage of Tenant as
of the date of the Electrical Survey. Based upon the Electrical Survey,
Landlord's Consultant shall compute the value to Tenant of the estimated
electrical service to be furnished to Tenant for the succeeding twelve (12)
month period (hereinafter called the ELECTRICAL VALUE), which computation shall
be made utilizing the higher of (i) the service classification under which
Landlord is billed by the utility company for such electrical service or (ii)
the service classification under which Tenant would be billed by the utility
company if Tenant purchased such electrical service directly from such utility
company. Landlord's Consultant shall notify Landlord and Tenant of his
computation of the Electrical Value (which shall be binding upon both parties).
In the event that the Electrical Value shall be greater than the then current
Electricity Factor, then the Initial Electricity Factor (or if any such
adjustment shall have been made previously, the Electricity Factor) shall be
adjusted, retroactive to the Commencement Date (or, if any such adjustment shall
have been made previously, the effective date of such adjustment), by adding
thereto an amount equal the amount by which the current Electrical Value exceeds
the Initial Electrical Factor.

          16.05 If the rate schedule for the supply of electric current to the
Building shall be increased, if any surcharge (including, without limitation, a
surcharge of the nature of a fuel or other adjustment) with respect thereto
shall be imposed or increased and/or if the service classification for the
Building shall be changed so as to result in an increase in Landlord's cost of
purchasing electricity for the Building during the term of this Lease, the
Electricity Factor shall each be adjusted to reflect the resulting increase by
adding thereto an amount equal to the product of (i) the then current
Electricity Factor, multiplied by (ii) the percentage of increase of Landlord's
cost of purchasing electricity for the Building. Any such percentage increase in
Landlord's cost of purchasing electricity for the Building shall be computed by
the application of the average consumption (energy and demand) of electricity

                                       17

<PAGE>

for the entire Building for the twelve (12) full months immediately prior to the
rate increase and/or service classification change to the new rate and/or
service classification. When the amount of the increase in the Electricity
Factor is determined, the parties shall execute an agreement supplementary
hereto to reflect such increase, which shall be effective from the effective
date of such increase in the rate schedule and/or such change in the service
classification for the Building; but such increase in the Electricity Factor
shall be effective from such date whether or not such a supplementary agreement
is executed. In addition, if any tax is imposed upon Landlord by any Municipal,
State, or Federal Agency with respect to the purchase, sale, or resale of
electrical energy supplied to Tenant hereunder, Tenant covenants and agrees
that, where permitted by law, Tenant's pro-rata share of such taxes shall be
passed on to, included in the bill of and paid by Tenant to Landlord.

          16.6 Tenant shall not, without prior written notice to Landlord in
each instance, connect any fixtures, appliances, or equipment to the Building
electric distribution system, or make any alteration or addition to the electric
system of the Demised Premises, that shall result in Increased Usage (as such
term is hereinafter defined). In the event that Tenant installs equipment,
increases the lighting load beyond the amount thereof on the Commencement Date,
or operates during longer than business hours (the foregoing are herein
collectively called the "INCREASED USAGE"), Tenant shall pay to Landlord, as
additional rent hereunder payable on a monthly basis together with the fixed
rent herein reserved, an amount to be computed as hereafter provided and subject
to adjustment as set forth in Section 16.07 of this Article. If Landlord is of
the opinion that Increased Usage exists, Landlord shall engage an independent
electrical engineer or electrical consulting firm (hereinafter called
"LANDLORD'S CONSULTANT") who shall make a survey (hereinafter called the
"SUBSEQUENT SURVEY") of the Demised Premises, indicating the lighting load,
office equipment and electrical usage of Tenant as of the date of the Subsequent
Survey, and shall compute the monthly amount (hereinafter called the "INCREASED
USAGE CHARGE") to be paid by Tenant for the furnishing of Increased Usage as a
service by Landlord in excess of the usage shown on the Initial Survey.
Electrical service to be furnished to Tenant for the succeeding twelve (12)
month period, and such computation shall be made utilizing the higher of (i) the
service classification under which Landlord is billed by the utility company for
such electrical service or (ii) the service classification under which Tenant
would be billed by the utility company if Tenant purchased such electrical
service directly from such utility company. Landlord's Consultant shall notify
Landlord and Tenant of his computation of the Increased Usage Charge (which
shall be binding upon both parties). The fees of Landlord's Consultant shall be
borne by Landlord and Tenant equally.

          16.7 After the same shall be determined pursuant to the terms of
Section 16.06 of this Article, the Increased Usage Charge shall continue to be
paid on a monthly basis until Landlord's Consultant determines in a Subsequent
Survey that there has been a further increase or a decrease in the Increased
Usage. The amount of the Increased Usage Charge may be appropriately increased
or decreased at any time and from time to time throughout the term of this Lease
to reflect a change in the rates charged by the utility company servicing the
Building (including, without limitation, a change in any taxes assessed, levied,
or imposed with respect to such electrical service ) in accordance with the
provisions of Section 16.05 of this Article.

          16.8 For purposes of this Article and Article 17:

               (a) "USAGE" shall mean actual usage of electricity as measured by
the aforesaid metering system for each calendar month or such other period as
Landlord shall determine during the term of this Lease and shall include the
quantity and peak demand (kilowatt hours and kilowatts) and all applicable
taxes, surcharges, demand charges, energy charges, fuel adjustment charges, time
of day charges and other adjustments made from time to time by the
corporation(s) and/or other entities Landlord has selected to supply electrical
service to the Building or any governmental authority having jurisdiction;

               (b) "LANDLORD'S RATE" shall mean the service classification
(including all applicable taxes, surcharges, demand charges, energy charges,
fuel adjustment charges, time of day charges and other sums payable in respect
thereof) pursuant to which Landlord purchases, from the public utility supplying
such service to the area in which the Building is located, electrical service
for the Building (and the generation of such electrical service to the extent
Landlord purchases such generation services from such public utility),
notwithstanding the actual source of the generation of such electrical service;

               (c) "BASIC COST" shall mean the product of (a) Usage multiplied
by (b) Landlord's Rate; and

               (d) "TENANT'S COST" shall mean an amount equal to the sum of (a)
the Basic Cost plus (b) ten (10%) percent of the Basic Cost for Landlord's
overhead and expenses in connection with submetering.

          16.09 Landlord shall have the option (hereinafter called "SUBMETERING
OPTION"), which shall be exercisable in its sole discretion and upon thirty (30)
days' notice to Tenant given at any time during the term of this Lease, to
discontinue charging for electric current on the basis of the Electricity Factor
as provided above in this Article 16 and, instead, to charge for electric
current as hereinafter provided as additional rent. If Landlord exercises the
Submetering Option, then (i) Landlord shall, at its sole cost and expense,
install a meter or meters for the purpose of measuring the electric current
consumed in the Demised Premises and (ii) as of the date (hereinafter called the
"CONVERSION DATE") upon which Landlord discontinues charging Tenant for electric
current on the basis of the Electricity Factor as provided above in this Article
16, then current Electricity Factor and any Increased Usage Charge shall be
discontinued. With respect to the Demised Premises and/or any portion(s) thereof
that are not contiguous with the balance of the same, if the same shall
constitute less than a full floor of the Building, Landlord may, at its option,
either (x) install a meter to measure the amount of Usage with respect solely to
the Demised Premises and/or to such portion(s) or (y) measure the amount of
Usage with respect thereto through common meter(s). After the Conversion Date,
Landlord shall, from time to time, furnish Tenant with a statement indicating
the appropriate period during which the Usage was measured and the amount of
Tenant's Cost payable by Tenant to Landlord for furnishing electrical current.
Within five (5) days after receipt of each such statement, Tenant shall pay the
amount of Tenant's Cost set forth thereon to Landlord as additional rent. In
addition, if any tax is imposed upon

                                       18

<PAGE>

Landlord by any municipal, state or federal agency or subdivision with respect
to the purchase, sale or resale of electrical energy supplied to Tenant
hereunder, Tenant covenants and agrees that, where permitted by law, Tenant's
Proportionate Share of such taxes shall be passed on to, included in the bill to
and paid by, Tenant to Landlord, as additional rent.

          16.10 Tenant's electrical usage in the Demised Premises will not
exceed (i) 4.0 watts per rentable square foot of space for lighting and (ii) 2.0
watts per rentable square foot of space for other electrical consumption from
the outlets.

                                   ARTICLE 17
                     HEAT, VENTILATION AND AIR-CONDITIONING

          17.01 Landlord, at its expense, shall maintain and operate the
heating, ventilating and air-conditioning systems (hereafter referred to as the
"SYSTEMS") and, subject to energy conservation requirements of governmental
authorities, shall furnish heat, ventilating and air-conditioning (hereinafter
collectively referred to as the "AIR-CONDITIONING SERVICE") in the Demised
Premises through the systems, which shall be in compliance with the performance
specifications of the systems installed by Landlord in the Building.
Air-conditioning shall be provided from May 15 through October 15 during
"REGULAR HOURS" (that is between the hours of 8:00 A.M. and 6:00 P.M.) of
"BUSINESS DAYS" (which term is used herein to mean all days except Saturdays,
Sundays and days now or hereafter observed by the Federal or New Jersey State
government as legal holidays and those now or hereafter designated by the
applicable Building service union employees service contract or by the
applicable Operating Engineers contract (collectively "HOLIDAYS") and on
Saturdays, excluding holidays, from 9:00 A.M. to 1:00 P.M. throughout the year.
Heating and ventilation shall be provided during other periods of the year as
may be required for comfortable occupancy of the Demised Premises during regular
hours of business days. If Tenant shall require heating, ventilating or
air-conditioning service at any other time (hereinafter referred to as "AFTER
HOURS"), Landlord shall furnish such after hours service upon reasonable advance
notice from Tenant, and Tenant shall pay on demand Landlord's cost, (including
but not limited to all costs of labor, including overtime labor, to operate the
systems), plus twenty (20%) percent. In the event the after hours service is
shared by other tenants, the cost thereof shall be prorated among all such
tenants. Notwithstanding anything in the foregoing to the contrary, after hours
air-conditioning service may only be requested from May 15 through October 15.

          17.02 (a) Use of the Demised Premises, or any part thereof, in a
manner exceeding the design conditions (including occupancy and connected
electrical load) specified by Landlord for the systems, rearrangement of
partitionings or opening of windows in the Demised Premises while the systems
are in operation which interferes with normal operation of the heat, ventilation
and air-conditioning in the Demised Premises, may require changes in the
systems. Such changes, so occasioned, shall be made by Tenant, at its expense,
as Tenant's Changes pursuant to Article 13.

               (b) Tenant's usage of the existing building systems will only
require of the meeting of the following criteria for air-conditioning:

                    Inside .... 78 degrees D.B.., 55% R.H
                    Outside .... 92 degrees D.B., 75 degrees W.B.

                    HVAC design based upon interior loads as follows:

                    Lights and appliances .... = 6 watts/ sq.ft.
                    Population .... = one person per 100 sq. ft.

               (c) If Tenant's equipment (i.e. computers, etc.) requires air
conditioning above and beyond standard usage requirements as set forth above,
said additional air conditioning (including cost of operation as stipulated in
the lease) shall be paid for by Tenant as an extra cost. Any special exhaust
requirements will also be an extra cost to be paid by Tenant. Tenant
acknowledges and agrees that if a supplemental HVAC (and at Landlord's option a
submeter to measure usage) is approved by Landlord it shall be installed at
Tenant's sole cost and expense subject to all of the provisions of this Lease
including, without limitation, Article 13. Tenant agrees to pay as additional
rent all costs and expenses in connection with installation and maintenance of
said units, and agrees to pay Tenant's cost with respect to use and operation of
said units.

          17.03 Tenant may install a supplemental HVAC subject to Landlord's
consent and the other terms and conditions set forth in Article 13 herein.
Tenant agrees to pay for (a) the cost of labor and materials for any meter or
sub-meter installed, the HVAC unit and any materials and labor for connections
to the HVAC unit and meter or sub-meter, and (b) the cost of electric current
for such supplemental air conditioning unit at Tenant's Cost to Landlord as
additional rent.

                                   ARTICLE 18
                           LANDLORD'S OTHER SERVICES

          18.01 Landlord, at its expense, shall provide public elevator service,
passenger and freight, by elevators serving the floor on which the Demised
Premises are situated during regular hours of business days, and shall have at
least one passenger elevator subject to call at all other times.

          18.02 Landlord, at its expense, shall cause the Demised Premises to be
cleaned in accordance with the cleaning specifications annexed hereto as EXHIBIT
F. Tenant shall pay to Landlord on demand the costs incurred by Landlord for (a)
extra cleaning work in the Demised Premises required because of (i) misuse or
neglect on the part of Tenant or its employees or visitors, (ii) use of portions
of the Demised Premises for preparation,

                                       19

<PAGE>

serving or consumption of food or beverages, data processing or reproducing
operations; private lavatories or toilets or other special purposes requiring
greater or more difficult cleaning work than office areas, (iii) unusual
quantity of interior glass surfaces, (iv) non-Building standard materials or
finishes installed by Tenant or at its request, and (b) removal from the Demised
Premises and the Building of so much of any refuse and rubbish of Tenant as
shall exceed that ordinarily accumulated daily in the routine of business office
occupancy. To the extent required by laws and/or requirements of public
authorities, Tenant shall separate its refuse and rubbish in such manner to
enable Landlord, its cleaning contractor and its employees to comply with any
law and/or requirement of public authority mandating the recycling of refuse and
rubbish from the Building. Landlord, its cleaning contractor and their employees
shall have after hours access to the Demised Premises and the free use of light,
power, and water in the Demised Premises as reasonably required for the purpose
of cleaning the Demised Premises in accordance with Landlord obligations
hereunder.

          18.03 Landlord, at its expense, shall furnish adequate hot and cold
water to the floor on which the Demised Premises are located for drinking,
lavatory and cleaning purposes. If Tenant uses water for any other purpose
Landlord, at Tenant's expense, shall install meters to measure Tenant's
consumption of cold water and/or hot water for such other purposes and/or steam,
as the case may be. Tenant shall pay for the quantities of cold water and hot
water shown on such meters, at Landlord's cost thereof, on the rendition of
Landlord's bills therefor.

          18.04 Landlord, at its expense, and on Tenant's request, shall
maintain the original listings on the Building directory of the names of Tenant,
and the names of any of their officers and employees, provided that the names so
listed shall not take up more than one (1) line on the Building directory. In
the event Tenant shall require additional or substitute listings on the Building
directory, Landlord shall, to the extent space for such additional or substitute
listing is available, maintain such listings and Tenant shall pay to Landlord an
amount equal to Landlord's reasonable charge for such listings.

          18.05 Landlord reserves the right, without any liability to Tenant,
except as otherwise expressly provided in this Lease, to stop service of any of
the heating, ventilating, air conditioning, electric, sanitary, elevator or
other Building systems serving the Demised Premises, or the rendition of any of
the other services required of Landlord under this Lease, whenever and for so
long as may be necessary, by reason of accidents, emergencies, strikes or the
making of repairs or changes which Landlord is required by this Lease or by law
to make or in good faith deems necessary, by reason of difficulty in securing
proper supplies of fuel, steam, water, electricity, labor or supplies, or by
reason of any other cause beyond Landlord's reasonable control.

          18.06 Intentionally Deleted.

          18.07 (a) Tenant shall require its personnel to park their vehicles
only in the parking spaces designated by Landlord. Tenant, its personnel and
visitors shall not at any time park any trucks or delivery vehicles in any of
the parking areas.

               (b) All parking spaces, roadways and driveways used by Tenant,
its personnel and visitors will be at their own risk, and Landlord shall not be
liable for any injury to person or property, or for loss or damage to any
vehicle or its contents, resulting from theft, collision, vandalism or any other
cause whatsoever. Landlord shall have no obligation whatsoever to provide a
guard or any other personnel or device to patrol, monitor, guard or secure any
parking areas. If Landlord does so provide, it shall be solely for Landlord's
convenience and Landlord shall in no way whatsoever be liable for any acts or
omissions of personnel or device in failing to prevent any such theft,
vandalism, or loss or damage by other cause.

               (c) No storage or overnight parking of vehicles shall be
permitted unless previously approved by Landlord in writing, and except in those
areas, if any, designated by Landlord.

               (d) Landlord reserves the right from time to time to: (i) change
the area, location and arrangement of parking areas, and parking spaces; (ii)
restrict parking by tenants, their officers, agents, employees, customers and
invitees to designated areas; (iii) discontinue, restrict or temporarily suspend
use of all, or any portion of, the parking areas for such period of time as may
be necessary in Landlord's sole discretion, to perform maintenance or repairs;
(iv) limit the parking of vans, limousines and other large vehicles to specified
areas; (v) exclude any and all vehicles other than as permitted in Section
18.07(c); and (vi) institute control mechanisms and systems in order to regulate
the use of the common parking area.

          18.08 Certain services may be provided by Landlord to tenants in the
building on a shared basis including but not limited to a central mailroom,
computer services and phone services ("SHARED SERVICES"). Tenant shall pay
Landlord for Tenant's prorata share of the cost of use by Tenant of Shared
Services, as reasonably determined by Landlord, as additional rent, within ten
(10) days after the rendition by Landlord of bills therefor.

          18.09 Tenant agrees that Landlord shall not be liable or responsible
in any way to Tenant for any loss, damage, expense or loss or reduction of
services that Tenant may sustain or incur as caused by or arising out of, either
directly or indirectly, any acts or omissions of a third party provider,
including a provider supplying any services to Tenant or the Demised Premises,
including but not limited to local and long distance telephone services, high
speed internet services, DSL, data, audio, visual, imaging, video streaming,
electronic transfer or facsimile. Tenant acknowledges and agrees that Tenant
shall not seek to recover damages or commence an action against Landlord for any
problems in connection with the services to be provided by any such provider.

                                   ARTICLE 19
                  ACCESS, CHANGES IN BUILDING FACILITIES, NAME

          19.01 All except the inside surfaces of all walls, windows and doors
bounding the Demised Premises (including exterior Building walls, core corridor
walls and doors and any core corridor entrance) and any

                                       20

<PAGE>

space in or adjacent to the Demised Premises used for shafts, stacks, pipes,
conduits, fan rooms, ducts, electric or other utilities, sinks or other Building
facilities, and the use thereof, as well as access thereto through the Demised
Premises for the purpose of operation, maintenance, decoration and repair, are
reserved to Landlord.

          19.02 Tenant shall permit Landlord to install, use, replace and
maintain pipes, ducts and conduits within the demising walls, bearing columns
and ceilings of the Demised Premises.

          19.03 Landlord or Landlord's agent shall have the right, upon request
(except in emergency under clause (ii) hereof) to enter and/or pass through the
Demised Premises or any part thereof, at reasonable times during reasonable
hours, (i) to examine the Demised Premises and to show them to third parties
including without limitation the fee owners, lessors or superior leases, holders
of superior mortgages, or prospective purchasers, mortgages or lessees of all or
part of the Building as an entirety, and (ii) for the purpose of making such
repairs or changes in or to the Demised Premises or in or its facilities, as may
be provided for by this Lease or as may be mutually agreed upon by the parties
or as Landlord may be required to make by law or in order to repair and maintain
said structure or its fixtures or facilities. Landlord shall be allowed to take
all materials into and upon the Demised Premises that may be required for such
repairs, changes, repainting or maintenance, without liability to Tenant, but
Landlord shall not unreasonably interfere with Tenant's use of Demised Premises.
Landlord shall also have the right to enter on and/or pass through the Demised
Premises, or any part thereof, at such times as such entry shall be required by
circumstances of emergency affecting the Demised Premises or said structure.

          19.04 Landlord reserves the right, at any time, without incurring any
liability to Tenant therefor, to make such changes in or to the Building and the
fixtures and equipment thereof, as well as in or to the garage and street
entrances, public spaces, parking spaces, plazas, common areas, halls, passages,
elevators, escalators and stairways thereof, as it may deem necessary or
desirable.

          19.05 Landlord may adopt any name for the Building. Landlord reserves
the right to change the name or address of the Building at any time.

          19.06 For the purposes of Article 19, the term "Landlord" shall
include lessors of leases and the holders of mortgages to which this Lease is
subject and subordinate as provided in Article 7.

          19.07 If during the last month of the lease term, Tenant shall have
removed all or substantially all of Tenant's property therefrom, Landlord may
upon three (3) days notice immediately enter, alter, renovate or redecorate the
Demised Premises without limitation or abatement of rent, or incurring liability
to Tenant for any compensation and such act shall have no effect on this Lease
or Tenant's obligations hereunder.

                                   ARTICLE 20
                               NOTICE OF ACCIDENTS

          20.01 Tenant shall give notice to Landlord, promptly after Tenant
learns thereof, of (i) any accident in or about the Demised Premises for which
Landlord might be liable, (ii) all fires in the Demised Premises, (iii) all
damages to or defects in the Demised Premises, including the fixtures, equipment
and appurtenances thereof, for the repair of which Landlord might be
responsible, and (iv) all damage to or defects in any parts or appurtenances of
the Building's sanitary, electrical, heating, ventilating, air-conditioning,
elevator and other systems located in or passing through the Demised Premises or
any part thereof.

                                   ARTICLE 21
                       NON-LIABILITY AND INDEMNIFICATION

          21.01 Neither Landlord nor any agent or employee of Landlord shall be
liable to Tenant for any injury or damage to Tenant or to any other person or
for any damage to, or loss (by theft or otherwise) of, any property of Tenant or
of any other person, irrespective of the cause of such injury, damage or loss,
unless caused by or due to the negligence of Landlord, its agents or employees
occurring within the scope of their respective employments without negligence on
the part of Tenant, it being understood that no property, other than such as
might normally be brought upon or kept in the Demised Premises as an incident to
the reasonable use of the Demised Premises for the purpose herein permitted,
will be brought upon or be kept in the Demised Premises.

          21.02 Tenant shall indemnify and save harmless Landlord and its agents
against and from (a) any and all claims (i) arising from (x) the conduct or
management of the Demised Premises or of any business therein, or (y) any work
or thing whatsoever done, or any condition created (other than by Landlord for
Landlord's or Tenant's account) in or about the Demised Premises during the term
of this Lease or during the period of time, if any, prior to the Commencement
Date that Tenant may have been given access to the Demised Premises, or (ii)
arising from any negligent or otherwise wrongful act or omission of Tenant or
any of its subtenants or licensees or its or their employees, agents or
contractors, and (b) all costs, expenses and liabilities incurred in or in
connection with each such claim or action or proceeding brought thereon. In case
any action or proceeding be brought against Landlord by reason of any such
claim, Tenant, upon notice from Landlord, shall resist and defend such action or
proceeding.

          21.03 Except as otherwise expressly provided in this Lease, this Lease
and the obligations of Tenant hereunder shall be in no ways affected, impaired
or excused because Landlord is unable to fulfill, or is delayed in fulfilling,
any of its obligations under this Lease by reason of strike, other labor
trouble, governmental pre-emption or priorities or other controls in connection
with a national or other public emergency or shortages of fuel, supplies or
labor resulting therefrom, acts of God or other like cause beyond Landlord's
reasonable control.

                                       21

<PAGE>

                                   ARTICLE 22
                              DESTRUCTION OR DAMAGE

          22.01 If the Building or the Demised Premises shall be partially or
totally damaged or destroyed by fire or other cause, then, whether or not the
damage or destruction shall have resulted from the fault or neglect of Tenant,
or its employees, agents or visitors (and if this Lease shall not have been
terminated as in this Article hereinafter provided), Landlord shall repair the
damage and restore and rebuild the Building and/or the Demised Premises, at its
expense, with reasonable dispatch after notice to it of the damage or
destruction; provided, however, that Landlord shall not be required to repair or
replace any of Tenant's Property nor to restore any Tenant's Work or Landlord's
Work.

          22.02 If the Building or the Demised Premises shall be partially
damaged or partially destroyed by fire or other cause, the rents payable
hereunder shall be abated (except if same was a result of the action or inaction
of Tenant, its employees or invitees, and except to the extent of Tenant's
insurance coverage which is required by the terms of this Lease) to the extent
that the Demised Premises shall have been rendered untenantable and for the
period from the date of such damage or destruction to the date the damage shall
be repaired or restored. If the Demised Premises or a major part thereof shall
be totally (which shall be deemed to include substantially totally) damaged or
destroyed or rendered completely (which shall be deemed to include substantially
completely) untenantable on account of fire or other cause, the rents shall
abate as of the date of the damage or destruction (except if same was a result
of the action or inaction of Tenant, its employees or invitees, and except to
the extent of Tenant's insurance coverage which is required by the terms of this
Lease) and until Landlord shall repair, restore and rebuild the Building and the
Demised Premises, provided, however, that should Tenant reoccupy a portion of
the Demised Premises during the period the restoration work is taking place and
prior to the date the same are made completely tenantable, rents allocable to
such portion shall be payable by Tenant from the date of such occupancy.

          22.03 If the Building or the Demised Premises shall be totally damaged
or destroyed by fire or other cause, or if the Building shall be so damaged or
destroyed by fire or other cause (whether or not the Demised Premises are
damaged or destroyed) as to require a reasonably estimated expenditure of more
than 20% of the full insurable value of the Building immediately prior to the
casualty, then in either such case Landlord may terminate this Lease by giving
Tenant notice to such effect within one hundred eighty (180) days after the date
of the casualty. In case of any damage or destruction mentioned in this Article
Tenant may terminate this Lease, by notice to Landlord, if Landlord has not
completed the making of the required repairs and restored and rebuilt the
Building and the Demised Premises within twelve (12) months from the date of
such damage or destruction, or within such period after such date (not exceeding
six months) as shall equal the aggregate period Landlord may have been delayed
in doing so by adjustment of insurance, labor trouble, governmental controls,
act of God, or any other cause beyond Landlord's reasonable control.

          22.04 No damages, compensation or claim shall be payable by Landlord
for inconvenience, loss of business or annoyance arising from any repair or
restoration of any portion of the Demised Premises or of the Building pursuant
to this Article. Landlord shall use its best efforts to effect such repair or
restoration promptly and in such manner as to not unreasonably interfere with
Tenant's use and occupancy.

          22.05 Notwithstanding any of the foregoing provisions of this Article,
if Landlord or the lessor of any superior lease or the holder of any superior
mortgage shall be unable to collect all of the insurance proceeds (including
rent insurance proceeds) applicable to damage or destruction of the Demised
Premises or the Building by fire or other cause, by reason of some action or
inaction on the part of Tenant or any of its employees, agents or contractors,
then, without prejudice to any other remedies which may be available against
Tenant, there shall be no abatement of Tenant's rents, but the total amount of
such rents not abated (which would otherwise have been abated) shall not exceed
the amount of the uncollected insurance proceeds.

          22.06 Landlord will not carry insurance of any kind on Tenant's
Property or Tenant's Work, and, except as provided by law or by reason of its
fault or its breach of any of its obligations hereunder, shall not be obligated
to repair any damage thereto or replace the same.

          22.07 The provisions of this Article shall be considered an express
agreement governing any case of damage or destruction of the Demised Premises by
fire or other casualty, and any provision, law or statute of the State of New
Jersey, providing for such a contingency in the absence of an express agreement,
now or hereafter in force, shall have no application in such case.

          22.08 Notwithstanding anything to the contrary set forth in this
Lease, in no event shall Landlord be obligated to rebuild or restore any portion
of Landlord's Work for which Landlord is entitled to reimbursement from Tenant
under Article 3 hereof.

                                   ARTICLE 23
                                 EMINENT DOMAIN

          23.01 If the whole of the Building shall be lawfully taken by
condemnation or in any other manner for any public or quasi-public use or
purpose, this Lease and the term and estate hereby granted shall forthwith
terminate as of the date of vesting of title in such taking (which date is
hereinafter also referred to as the "DATE OF THE TAKING"), and the rents shall
be prorated and adjusted as of such date.

          23.02 If only a part of the Building shall be so taken, this Lease
shall be unaffected by such taking, except that Tenant may elect to terminate
this Lease in the event of a partial taking, if the remaining area of the
Demised Premises shall not be reasonably sufficient for Tenant to continue
feasible operation of its business. Tenant shall give notice of such election to
Landlord not later than thirty (30) days after (i) notice of such taking is
given by Landlord to Tenant, or (ii) the date of such taking, whichever occurs
sooner. Upon the giving of such

                                       22

<PAGE>

notice by Tenant this Lease shall terminate on the date of such taking and the
rents shall be prorated as of such termination date. Upon such partial taking
and this Lease continuing in force as to any part of the Demised Premises, the
rents apportioned to the part taken shall be prorated and adjusted as of the
date of taking and from such date the fixed rent for the Demised Premises and
additional rent shall be payable pursuant to Article 5 according to the rentable
area remaining.

          23.03 Landlord shall be entitled to receive the entire award in any
proceeding with respect to any taking provided for in this Article without
deduction therefrom for any estate vested in Tenant by this Lease and Tenant
shall receive no part of such award, except as hereinafter expressly provided in
this Article. Tenant hereby expressly assigns to Landlord all of its right,
title and interest in or to every such award. Notwithstanding anything herein to
the contrary, Tenant may, at its sole cost and expense, make a claim with the
condemning authority for Tenant's moving expenses, the value of Tenant's
fixtures or Tenant's Changes which do not become part of the Building or
property of the Landlord, provided however that Landlord's award is not thereby
reduced or otherwise adversely affected.

          23.04 If the temporary use or occupancy of all or any part of the
Demised Premises shall be lawfully taken by condemnation or in any other manner
for any public or quasi-public use or purpose during the term of this Lease,
Tenant shall be entitled, except as hereinafter set forth, to receive that
portion of the award for such taking which represents compensation for the use
and occupancy of the Demised Premises and, if so awarded, for the taking of
Tenant's Property and for moving expenses, and Landlord shall be entitled to
receive that portion which represents reimbursement for the cost of restoration
of the Demised Premises. This lease shall be and remain unaffected by such
taking and Tenant shall continue to be responsible for all of its obligations
hereunder insofar as such obligations are not affected by such taking and shall
continue to pay in full the fixed rent and additional rent when due. If the
period of temporary use or occupancy shall extend beyond the Expiration Date,
that part of the award which represents compensation for the use or occupancy of
the Demised Premises (or a part thereof) shall be divided between Landlord and
Tenant so that Tenant shall receive so much thereof as represents the period
prior to the Expiration Date and Landlord shall receive so much thereof as
represents the period subsequent to the Expiration Date. All moneys received by
Tenant as, or as part of, an award for temporary use and occupancy for a period
beyond the date to which the rents hereunder have been paid by Tenant shall be
received, held and applied by Tenant as a trust fund for payment of the rents
falling due hereunder.

          23.05 In the event of any taking of less than the whole of the
Building which does not result in a termination of this Lease, or in the event
of a taking for a temporary use or occupancy of all or any part of the Demised
Premises which does not extend beyond the Expiration Date, Landlord, at its
expense, and to the extent any award or awards shall be sufficient for the
purpose, shall proceed with reasonable diligence to repair, alter and restore
the remaining parts of the Building and the Demised Premises to substantially a
Building standard condition to the extent that the same may be feasible and so
as to constitute a complete and tenantable Building and Demised Premises.

          23.06 Should any part of the Demised Premises be taken to effect
compliance with any law or requirement of public authority other than in the
manner hereinabove provided in this Article, then (i) if such compliance is the
obligation of Tenant under this Lease, Tenant shall not be entitled to any
diminution or abatement of rent or other compensation from Landlord therefor,
but (ii) if such compliance is the obligation of Landlord under this Lease, the
fixed rent hereunder shall be reduced and additional rents under Article 5 shall
be adjusted in the same manner as is provided in Section 23.02 according to the
reduction in rentable area of the Demised Premises resulting from such taking.

          23.07 Any dispute which may arise between the parties with respect to
the meaning or application of any of the provisions of this Article shall be
determined by arbitration in the manner provided in Article 34.

                                   ARTICLE 24
                                    SURRENDER

          24.01 On the last day of the term of this Lease, or upon any earlier
termination of this Lease, or upon any re-entry by Landlord upon the Demised
Premises, Tenant shall quit and surrender the Demised Premises to Landlord in
good order, condition, and repair, except for ordinary wear and tear and Tenant
shall remove all of Tenant's Property therefrom except as otherwise expressly
provided in this Lease and shall restore the Demised Premises wherever such
removal results in damage thereto. If Tenant shall remain in possession of the
Demised Premises after the end of the term of the Lease, no tenancy relationship
shall be deemed to arise therefrom and any holdover shall not be construed as a
consent by Landlord to the possession by Tenant of the Demised Premises beyond
the Expiration Date; provided, however, such holdover shall be deemed to be a
month-to-month occupancy, subject to all of the provisions, conditions, and
obligations of this Lease, except that the fixed rent to be charged to Tenant
during such holdover period shall be the 200% of the monthly fixed rent in
effect for the last month of the term of the Lease or any applicable renewal
period. In addition, if Tenant fails to surrender the Demised Premises upon the
expiration or earlier termination of this Lease, then in addition to any other
liability to Landlord accruing therefrom, Tenant shall indemnify and hold
Landlord harmless from and against any loss, cost, liability or expense,
including, without limitation, reasonable attorney fees, resulting from such
failure to vacate, including, without limiting the generality of the foregoing,
loss of future rents and any claims made by any succeeding tenant arising due to
such failure.

                                       23

<PAGE>

                                   ARTICLE 25
                            CONDITIONS OF LIMITATION

          25.01 To the extent permitted by applicable law this Lease and the
term and estate hereby granted are subject to the limitation that whenever
Tenant shall make an assignment of the property of Tenant for the benefit of
creditors, or shall file a voluntary petition under any bankruptcy or insolvency
law, or an involuntary petition alleging an act of bankruptcy or insolvency
shall be filed against Tenant under any bankruptcy or insolvency law, or
whenever a petition shall be filed against Tenant under the reorganization
provisions of the United States Bankruptcy Act or under the provisions of any
law of like import, or whenever a petition shall be filed by Tenant under the
arrangement provisions of the United States Bankruptcy Act or under the
provisions of any law of like import, or whenever a permanent receiver of Tenant
or of or for the property of Tenant shall be appointed, then, Landlord, (a) at
any time after receipt of notice of the occurrence of any such event, or (b) if
such event occurs without the acquiescence of Tenant, at any time after the
event continues for one hundred twenty (120) days, Landlord may give Tenant a
notice of intention to end the term of this Lease at the expiration of five (5)
days from the date of service of such notice of intention, and upon the
expiration of said five (5) day period this Lease and the term and estate hereby
granted, whether or not the term shall theretofore have commenced, shall
terminate with the same effect as if that day were the Expiration Date, but
Tenant shall remain liable for damages as provided in Article 27.

          25.02 This lease and the term and estate hereby granted are subject to
the further limitation that:

               (a) whenever Tenant shall default in the payment of any
installment of fixed rent, or in the payment of any additional rent or any other
charge payable by Tenant to Landlord, on any day upon which the same ought to be
paid, and such default shall continue for three (3) business days after Landlord
shall have given Tenant a notice specifying such default; or

               (b) whenever Tenant shall do or permit anything to be done,
whether by action or inaction, contrary to any of Tenant's obligations
hereunder, and if such situation shall continue and shall not be remedied by
Tenant within (30) days after Landlord shall have given to Tenant a notice
specifying the same, or, in the case of a happening or default which cannot with
due diligence be cured within a period of thirty (30) days and the continuance
of which for the period required for cure will not subject Landlord to the risk
of criminal liability (as more particularly described in Section 10.02) or
termination of any superior lease or foreclosure of any superior mortgage, if
Tenant shall not, (i) within said thirty (30) day period advise Landlord of
Tenant's intention to duly institute all steps necessary to remedy such
situation, (ii) duly institute within said thirty (30) day period, and
thereafter diligently prosecute to completion all steps necessary to remedy the
same and (iii) complete such remedy within no more than sixty (60) days after
the date of the giving of said notice of Landlord; or

               (c) whenever any event shall occur or any contingency shall arise
whereby this Lease or the estate hereby granted or the unexpired balance of the
term hereof would, by operation of law or otherwise, devolve upon or pass to any
person, firm or corporation other than Tenant, except as expressly permitted by
Article 9; or

               (d) whenever Tenant shall abandon the Demised Premises (unless as
a result of a casualty), or

               (e) when Tenant shall be in default in the observance or
performance of its obligations under any other lease in the Building;

               (f) in any of said cases set forth in the foregoing Subsections
(a), (b), (c), (d) and (e), Landlord may give to Tenant a notice of intention to
end the term of this Lease at the expiration of five (5) days from the date of
the service of such notice of intention, and upon the expiration of said five
(5) days this Lease and the term and estate hereby granted, whether or not the
term shall theretofore have commenced, shall terminate with the same effect as
if that day were the Expiration Date, but Tenant shall remain liable for damages
as provided in Article 27.

                                   ARTICLE 26
                              RE-ENTRY BY LANDLORD

               26.01 If Tenant shall default in the payment of any installment
of fixed rent, or of any additional rent, on any date upon which the same ought
to be paid, and if such default shall continue for three (3) business days after
Landlord shall have given to Tenant a notice specifying such default, or if this
Lease shall expire as in Article 25 provided, Landlord or Landlord's agents and
employees may immediately or at any time thereafter re-enter the Demised
Premises, or any part thereof, in the name of the whole, either by summary
dispossess proceedings or by any suitable action or proceeding at law, or by
force or otherwise, without being liable to indictment, prosecution or damages
therefor, and may repossess the same, and may remove any persons therefrom, to
the end that Landlord may have, hold and enjoy the Demised Premises again as and
of its first estate and interest therein. The word re-enter, as herein used, is
not restricted to its technical legal meaning. In the event of any termination
of this Lease under the provisions of Article 25 or if Landlord shall re-enter
the Demised Premises under the provisions of this Article or in the event of the
termination of this Lease, or of re-entry, by or under any summary dispossess or
other proceeding or action or any provision of law by reason of default
hereunder on the part of Tenant, Tenant shall thereupon pay to Landlord the
fixed rent and additional rent payable by Tenant to Landlord up to the time of
such termination of this Lease or of such recovery of possession of the Demised
Premises by Landlord, as the case may be, and shall also pay to Landlord damages
as provided in Article 27.

               26.02 In the event of a breach or threatened breach by Tenant of
any of its obligations under this Lease, Landlord shall also have the right of
injunction. The special remedies to which Landlord may resort hereunder are
cumulative and are not intended to be exclusive of any other remedies or means
of redress to which

                                       24

<PAGE>

Landlord may lawfully be entitled at any time and Landlord may invoke any remedy
allowed at law or in equity as if specific remedies were not provided for
herein.

          26.03 If this Lease shall terminate under the provisions of Article
25, or if Landlord shall re-enter the Demised Premises under the provisions of
this Article, or in the event of the termination of this Lease, or of re-entry
by or under any summary dispossess or other proceeding or action or any
provision of law by reason of default hereunder on the part of Tenant, Landlord
shall be entitled to retain all moneys, if any, paid by Tenant to Landlord,
whether as advance rent, security or otherwise, but such moneys shall be
credited by Landlord against any fixed rent or additional rent due from Tenant
at the time of such termination or re-entry or, at Landlord's option, against
any damages payable by Tenant under Article 27 or pursuant to law.

                                   ARTICLE 27
                                     DAMAGES

          27.01 If this Lease is terminated under the provisions of Article 25,
or if Landlord shall re-enter the Demised Premises under the provisions of
Article 26, or in the event of the termination of this Lease, or of re-entry, by
or under any summary dispossess or other proceeding or action or any provision
of law by reason of default hereunder on the part of Tenant, Tenant shall pay to
Landlord as damages, at the election of Landlord, either:

               (a) a sum which at the time of such termination of this Lease or
at the time of any such re-entry by Landlord, as the case may be, represents the
then value of the excess, if any, of:

                    (i) the aggregate of the fixed rent and the additional rent
payable hereunder which would have been payable by Tenant (conclusively
presuming the additional rent to be the same as was payable for the year
immediately preceding such termination) for the period commencing with such
earlier termination of this Lease or the date of any such re-entry, as the case
may be, and ending with the Expiration Date, had this lease not so terminated or
had Landlord not so re-entered the Demised Premises; over

                    (ii) the aggregate rental value of the Demised Premises for
the same period;

or

               (b) sums equal to the fixed rent and the additional rent (as
above presumed) payable hereunder which would have been payable by Tenant had
this Lease not so terminated, or had Landlord not so re-entered the Demised
Premises, payable upon the due dates therefor specified herein following such
termination or such re-entry and until the Expiration Date, provided, however,
that if Landlord shall relet the Demised Premises during said period, Landlord
shall credit Tenant with the net rents received by Landlord from such reletting,
such net rents to be determined by first deducting from the gross rents as and
when received by Landlord from such reletting the expenses incurred or paid by
Landlord in terminating this Lease or in re-entering the Demised Premises and in
securing possession thereof, as well as the expenses of reletting, including
altering and preparing the Demised Premises for new Tenants, brokers'
commissions, and all other expenses properly chargeable against the Demised
Premises and the rental therefrom; it being understood that any such reletting
may be for a period shorter or longer than the remaining term of this Lease; but
in no event shall Tenant be entitled to receive any excess of such net rents
over the sums payable by Tenant to Landlord hereunder, nor shall Tenant be
entitled in any suit for the collection of damages pursuant to this Subsection
to a credit in respect of any net rents from a reletting, except to the extent
that such net rents are actually received by Landlord. If the Demised Premises
or any part thereof should be relet in combination with other space, then proper
apportionment on a square foot basis (for equivalent space) shall be made of the
rent received from such reletting and of the expenses of reletting.

                    If the Demised Premises or any part thereof be relet by
Landlord for the unexpired portion of the term of this Lease, or any part
thereof, before presentation of proof of such damages to any court, commission
or tribunal, the amount of rent reserved upon such reletting shall, prima facie,
be the fair and reasonable rental value for the Demised Premises, or part
thereof, so relet during the term of the reletting.

          27.02 Suit or suits for the recovery of such damages, or any
installments thereof, may be brought by Landlord from time to time at its
election, and nothing contained herein shall be deemed to require Landlord to
postpone suit until the date when the term of this Lease would have expired if
it had not been so terminated under the provisions of Article 25, or under any
provision of law, or had Landlord not re-entered the Demised Premises. Nothing
herein contained shall be construed to limit or preclude recovery by Landlord
against Tenant of any sums or damages to which, in addition to the damages
particularly provided above, Landlord may lawfully be entitled by reason of any
default hereunder on the part of Tenant. Nothing herein contained shall be
construed to limit or prejudice the right of Landlord to prove for and obtain as
liquidated damages by reason of the termination of this Lease or re-entry on the
Demised Premises for the default of Tenant under this Lease, an amount equal to
the maximum allowed by any statute or rule of law in effect at the time when,
and governing the proceedings in which, such damages are to be proved whether or
not such amount be greater, equal to, or less than any of the sums referred to
in Section 27.01.

                                   ARTICLE 28
                                     WAIVER

          28.01 Tenant, for Tenant, and on behalf of any and all persons
claiming through or under Tenant, including creditors of all kinds, does hereby
waive and surrender all right and privilege which they or any of them might have
under or by reason of any present or future law, to redeem the Demised Premises
or to have a continuance of this Lease for the term hereby demised after being
dispossessed or ejected therefrom by process of law or under the terms of this
Lease or after the termination of this Lease as herein provided.

                                       25

<PAGE>

          28.02 In the event that Tenant is in arrears in payment of fixed rent
or additional rent hereunder, Tenant waives Tenant's right, if any, to designate
the items against which any payments made by Tenant are to be credited, and
Tenant agrees that Landlord may apply any payments made by Tenant to any items
it sees fit, irrespective of and notwithstanding any designation or request by
Tenant as to the items against which any such payments shall be credited.

          28.03 Landlord and Tenant hereby waive trial by jury in any action,
proceeding or counter claim brought by either against the other on any matter
whatsoever arising out of or in any way connected with this Lease, the
relationship of Landlord and Tenant, Tenant's use or occupancy of the Demised
Premises, including any claim of injury or damage, or any emergency or other
statutory remedy with respect thereto.

          28.04 The provisions of Articles 16, 17 and 18 shall be considered
express agreements governing the services to be furnished by Landlord, and
Tenant agrees that any laws and/or requirements of public authorities, now or
hereafter in force, shall have no application in connection with any enlargement
of Landlord's obligations with respect to such services unless Tenant agrees, in
writing, to pay to Landlord, as additional rent, Landlord's reasonable charges
for any additional services provided.

                                   ARTICLE 29
                       NO OTHER WAIVERS OR MODIFICATIONS

          29.01 The failure of either party to insist in any one or more
instances upon the strict performance of any one or more of the obligations of
this Lease, or to exercise any election herein contained, shall not be construed
as a waiver or relinquishment for the future of the performance of such one or
more obligations of this Lease or of the right to exercise such election, but
the same shall continue and remain in full force and effect with respect to any
subsequent breach, act or omission. No executory agreement hereafter made
between Landlord and Tenant shall be effective to change, modify, waive,
release, discharge, terminate or effect an abandonment of this Lease, in whole
or in part, unless such executory agreement is in writing, refers expressly to
this Lease and is signed by the party against whom enforcement of the change,
modification, waiver, release, discharge or termination or effectuation of the
abandonment is sought.

          29.02 The following specific provisions of this Section shall not be
deemed to limit the generality of any of the foregoing provisions of this
Article:

               (a) no agreement to accept a surrender of all or any part of the
Demised Premises shall be valid unless in writing and signed by Landlord. The
delivery of keys to an employee of Landlord or of its agent shall not operate as
a termination of this Lease or a surrender of the Demised Premises. If Tenant
shall at any time request Landlord to sublet the Demised Premises for Tenant's
account, Landlord or its agent is authorized to receive said keys for such
purposes without releasing Tenant from any of its obligations under this Lease,
and Tenant hereby releases Landlord from any liability for loss or damage to any
of Tenant's property in connection with such subletting; and

               (b) the receipt by Landlord of rent with knowledge of breach of
any obligation of this Lease shall not be deemed a waiver of such breach;

               (c) no payment by Tenant or receipt by Landlord of a lesser
amount than the correct fixed rent or additional rent due hereunder shall be
deemed to be other than a payment on account, nor shall any endorsement or
statement on any check or any letter accompanying any check or payment be deemed
an accord and satisfaction, and Landlord may accept such check or payment
without prejudice to Landlord's right to recover the balance or pursue any other
remedy in this Lease or at law provided.

                                   ARTICLE 30
                   CURING TENANT'S DEFAULTS, ADDITIONAL RENT

          30.01 (a) If Tenant shall default in the performance of any of
Tenant's obligations under this Lease, Landlord, without thereby waiving such
default, may (but shall not be obligated to) perform the same for the account
and at the expense of Tenant, without notice, in a case of emergency, and in any
other case, only if such default continues after the expiration of (i) three (3)
business days from the date Landlord gives Tenant notice of intention so to do,
or (ii) the applicable grace period provided in Section 25.02 or elsewhere in
this Lease for cure of such default, whichever occurs later;

               (b) If Tenant fails to pay or is late in making any payment due
to Landlord from Tenant under this Lease for five (5) or more days, then
interest shall become due and owing to Landlord on such payment from the date
when it was due computed at the following rates:

                    (i) for an individual or partnership Tenant, computed at the
maximum legal rate of interest; and

                    (ii) for a corporate Tenant, computed at the greater of (A)
one and 25/100 (1.25%) percent per month or (B) five (5%) percent per annum over
the then prime rate of JP Morgan Chase Bank, but in no event in excess of the
maximum legal rate of interest chargeable to corporations in the State of New
Jersey.

               (c) If Tenant defaults in any payment of fixed or additional
rent, beyond the applicable cure or grace period, Landlord may request that
Tenant provide payment for the arrears with certified funds.

                                       26

<PAGE>

          30.02 Bills for any expenses incurred by Landlord in connection with
any such performance by it for the account of Tenant, and bills for all costs,
expenses and disbursements of every kind and nature whatsoever, including
reasonable counsel fees, involved in collecting or endeavoring to collect the
fixed rent or additional rent or any part thereof or enforcing or endeavoring to
enforce any rights against Tenant, under or in connection with this Lease, or
pursuant to law, including any such cost, expense and disbursement involved in
instituting and prosecuting summary proceedings, as well as bills for any
property, material, labor or services provided, furnished, or rendered, by
Landlord or at its instance to Tenant, may be sent by Landlord to Tenant
monthly, or immediately, at Landlord's option, and shall be due and payable in
accordance with the terms of such bills.

                                   ARTICLE 31
                                     BROKER

          31.01 Tenant covenants, warrants and represents that there was no
broker or finder instrumental in consummating this Lease and that no
conversations or negotiations were had with any broker or finder concerning the
renting of the Demised Premises. Tenant agrees to indemnify and hold Landlord
harmless against any claims for a brokerage, finder or other commission or fee
by any broker or finder claiming to have dealt with Tenant.

                                   ARTICLE 32
                                     NOTICES

          32.01 Any notice, statement, demand or other communication required or
permitted to be given, rendered or made by either party to the other, pursuant
to this Lease or pursuant to any applicable law or requirement of public
authority, shall be in writing (whether or not so stated elsewhere in this
Lease) and shall be deemed to have been properly given, rendered or made, if
sent by registered or certified mail, return receipt requested, or hand
delivered addressed to the other party at the address hereinabove set forth
(except that after the Commencement Date, Tenant's address, unless Tenant shall
give notice to the contrary, shall be the Building), and shall be deemed to have
been given, rendered or made on the day so mailed, unless mailed outside the
State of New Jersey, in which case it shall be deemed to have been given,
rendered or made on the expiration of the normal period of time for delivery of
mail from the post-office of origin to the post-office of destination. Either
party may, by notice as aforesaid, designate a different address or addresses
for notices, statements, demand or other communications intended for it.

                                   ARTICLE 33
                         ESTOPPEL CERTIFICATE, MEMORANDUM

          33.01 Each party agrees, at any time and from time to time, as
requested by the other party, upon not less than ten (10) days' prior notice, to
execute and deliver to the other a statement certifying (a) that this Lease is
unmodified and in full force and effect (or if there have been modifications,
that the same is in full force and effect as modified and stating the
modifications) and whether any options granted to Tenant pursuant to the
provisions of this Lease have been exercised, (b) certifying the dates to which
the fixed rent and additional rent have been paid and the amounts thereof, and
stating whether or not, to the best knowledge of the signer, the other party is
in default in performance of any of its obligations under this Lease, and, if
so, specifying each such default of which the signer may have knowledge, it
being intended that any such statement delivered pursuant hereto may be relied
upon by others with whom the party requesting such certificate may be dealing.
Additionally, Tenant's Statement shall contain such other information as shall
be required by the holder or proposed holder of any superior mortgage or the
lessor or proposed lessor under any superior lease.

          33.02 Tenant agrees that it shall not record this Lease or a copy
hereof. At the request of either party, Landlord and Tenant shall promptly
execute, acknowledge and deliver a memorandum with respect to this Lease
sufficient for recording. Such memorandum shall not in any circumstances be
deemed to change or otherwise affect any of the obligations or provisions of
this Lease.

                                   ARTICLE 34
                                   ARBITRATION

          34.01 Either party may request arbitration of any matter in dispute
wherein arbitration is expressly provided in this Lease as the appropriate
remedy. The party requesting arbitration shall do so by giving notice to that
effect to the other party, and both parties shall promptly thereafter jointly
apply to the American Arbitration Association (or any organization successor
thereto) in the Borough of Fort Lee, County of Bergen for the appointment of a
single arbitrator.

          34.02 The arbitration shall be conducted in accordance with the then
prevailing rules of the American Arbitration Association (or any organization
successor thereto) in the Borough of Fort Lee, County of Bergen. In rendering
such decision and award, the arbitrator shall not add to, subtract from or
otherwise modify the provisions of this Lease.

          34.03 If for any reason whatsoever a written decision and award of the
arbitrator shall not be rendered within sixty (60) days after the appointment of
such arbitrator, then at any time thereafter before such decision and award
shall have been rendered either party may apply to the Superior Court of the
State of New Jersey or to any other court having jurisdiction and exercising the
functions similar to those now exercised by such court, by action, proceeding or
otherwise (but not by a new arbitration proceeding) as may be proper to
determine the question in dispute consistently with the provisions of this
Lease.

          34.04 All the expenses of the arbitration shall be borne by the
parties equally.

                                       27

<PAGE>

                                   ARTICLE 35
        NO OTHER REPRESENTATIONS, CONSTRUCTION, GOVERNING LAW, CONSENTS

          35.01 Tenant expressly acknowledges and agrees that Landlord has not
made and is not making, and Tenant, in executing and delivering this Lease, is
not relying upon, any warranties, representations, promises or statements,
except to the extent that the same are expressly set forth in this Lease or in
any other written agreement which may be made between the parties concurrently
with the execution and delivery of this Lease and shall expressly refer to this
Lease. This lease and said other written agreement(s) made concurrently herewith
are hereinafter referred to as the "LEASE DOCUMENTS". It is understood and
agreed that all understandings and agreements heretofore had between the parties
are merged in the lease documents, which alone fully and completely express
their agreements and that the same are entered into after full investigation,
neither party relying upon any statement or representation not embodied in the
lease documents, made by the other.

          35.02 If any of the provisions of this Lease, or the application
thereof to any person or circumstances, shall, to any extent, be invalid or
unenforceable, the remainder of this Lease, or the application of such provision
or provisions to persons or circumstances other than those as to whom or which
it is held invalid or unenforceable, shall not be affected thereby, and every
provision of this Lease shall be valid and enforceable to the fullest extent
permitted by law.

          35.03 This lease shall be governed in all respects by the laws of the
State of New Jersey.

          35.04 Wherever in this Lease Landlord's consent or approval is
required, if Landlord shall refuse such consent or approval, Tenant in no event
shall be entitled to make, nor shall Tenant make, any claim, and Tenant hereby
waives any claim, for money damages (nor shall Tenant claim any money damages by
way of set-off, counterclaim or defense) based upon any claim or assertion by
Tenant that Landlord unreasonably withheld or unreasonably delayed its consent
or approval. Tenant's sole remedy shall be an action or proceeding to enforce
any such provision, for specific performance, injunction or declaratory
judgment.

                                   ARTICLE 36
                                  PARTIES BOUND

          36.01 The obligations of this Lease shall bind and benefit the
successors and assigns of the parties with the same effect as if mentioned in
each instance where a party is named or referred to, except that no violation of
the provisions of Article 9 shall operate to vest any rights in any successor or
assignee of Tenant and that the provisions of this Article shall not be
construed as modifying the conditions of limitation contained in Article 25.
However, the obligations of Landlord under this Lease shall not be binding upon
Landlord herein named with respect to any period subsequent to the transfer of
its interest in the Building as owner or lessee thereof and in event of such
transfer said obligations shall thereafter be binding upon each transferee of
the interest of Landlord herein named as such or lessee of the Building, but
only with respect to the period ending with a subsequent transfer within the
meaning of this Article.

          36.02 Tenant shall look only to such Landlord's estate and property in
the Building (or the proceeds thereof) and, where expressly so provided in this
Lease, to offset against the rents payable under this Lease, for the
satisfaction of Tenant's remedies for the collection of a judgment (or other
judicial process) requiring the payment of money by Landlord in the event of any
default by Landlord hereunder, and no other property or assets of such Landlord
or any partner, member, officer or director thereof, disclosed or undisclosed
shall be subject to levy, execution or other enforcement procedure for the
satisfaction of Tenant's remedies under or with respect to this Lease, the
relationship of Landlord and Tenant hereunder or Tenant's use or occupancy of
the Demised Premises.

                                   ARTICLE 37
                      CERTAIN DEFINITIONS AND CONSTRUCTION

          37.01 For the purposes of this Lease and all agreements supplemental
to this Lease, unless the context otherwise requires, the definitions set forth
in Exhibit E annexed hereto shall be utilized.

          37.02 The various terms which are italicized and defined in other
Articles of this Lease or are defined in Exhibits annexed hereto, shall have the
meanings specified in such other Articles and such Exhibits for all purposes of
this Lease and all agreements supplemental thereto, unless the context shall
otherwise require.

                                   ARTICLE 38
                 ADJACENT EXCAVATION AND CONSTRUCTION--SHORING

          38.01 If an excavation or other substructure work shall be made upon
land adjacent to the Demised Premises, or shall be authorized to be made, Tenant
shall afford to the person causing or authorized to cause such excavation,
license to enter upon the Demised Premises for the purpose of doing such work as
shall be necessary to preserve the wall of the Building from injury or damage
and to support the same by proper foundations without any claim for damages or
indemnity against Landlord, or diminution or abatement of rent.

                                   ARTICLE 39
                          LANDLORD'S RELOCATION OPTION

          39.01 Landlord shall have the option (hereinafter referred to as
"LANDLORD'S RELOCATION OPTION") to designate Relocated Space (as hereinafter
defined) on any floor of the Building then available for leasing as the Demised
Premises, subject, however, to the following terms and conditions:

                                       28
<PAGE>

               (a) Landlord shall exercise Landlord's Relocation Option by
giving Tenant written notice thereof (hereinafter referred to as the "RELOCATION
NOTICE");

               (b) The Relocation Notice shall include a floor plan of the space
which Tenant shall lease from Landlord in substitution of the Demised Premises
(hereinafter referred to as the "RELOCATED SPACE"), which shall be the
approximate square foot area of the Demised Premises (hereinafter referred to as
the "NEW AREA");

               (c) In the event of the exercise by Landlord of Landlord's
Relocation Option, this Lease shall be deemed modified as follows, effective as
hereinafter set forth:

                    (i) the floor on which the Relocated Space is located shall
be deemed substituted for the floor set forth in Section 1.02;

                    (ii) the annual fixed rent set forth in Section 1.04 shall
be an amount equal to the product of (x) the fixed rent on a dollar per square
foot basis at the date the Relocated Space is ready for occupancy as described
in Section 39.02 (c) (ii) and (y) the New Area;

                    (iii) the Demised Premises shall be the New Area and
Tenant's Proportionate Tax Share and Tenant's Operational Proportionate Share
shall be calculated by Landlord; and

                    (iv) the Initial Electricity Factor set forth in Section
16.01 shall be an amount equal to the product of (x) $2.00 and (y) the New Area.

          39.02 Landlord agrees to use diligent efforts to cause the Relocated
Space to be ready for occupancy (as set forth in Article 4) within six (6)
months after the date of sending the Relocation Notice. Thereafter, relocation
shall be effected upon the following conditions:

               (a) If the Relocation Notice is sent prior to the commencement of
Tenant's Work:

                    (i) the modifications set forth in Section 39.01(c) shall be
effective upon the date of the Relocation Notice;

                    (ii) Tenant, within sixty (60) days after the date of the
Relocation Notice, shall cause its architect or space planner to make any
revisions to Tenant's Plans which may be required to enable Tenant's Plans to be
used for the preparation of the Relocated Space and shall, within said sixty
(60) day period submit same to Landlord (such required revisions are hereinafter
referred to as the "RELOCATION REVISIONS"). Any changes in Tenant's Plans which
are not required by reason of Landlord's exercise of the Relocation Option shall
be deemed to be a Revision (as defined in Exhibit C annexed hereto),

                    (iii) Landlord shall, within ten (10) days after receipt of
a written request and invoice from Tenant setting forth the reasonable actual
cost incurred by Tenant for the Relocation Revisions, pay to Tenant such cost.

               (b) If the Relocation Notice is sent subsequent to the
commencement of Tenant's Work but prior to the Commencement Date:

                    (i) Tenant shall comply with the provisions of section
39.02(a)(ii) hereof and Landlord shall comply with the provisions of Section
39.02(a)(iii) hereof;

                    (ii) Landlord and Tenant shall, with respect to the
Relocated Space, comply with all of the provisions of the Lease and the Work
Letter (Exhibit C) with respect to the preparation of the Relocated Space as if
such Relocated Space were the Demised Premises;

                    (iii) Landlord shall credit Tenant for all amounts in
respect of Acceptable Tenant's Work (as such terms are defined in Exhibit C,
Section D) theretofore paid by Tenant with respect to the original Demised
Premises against Acceptable Tenant's Work in respect of the Relocated Space and
Tenant shall have no obligation to pay for any additional Acceptable Tenant's
Work with respect to the original Demised Premises otherwise payable by Tenant
but not then paid;

                    (iv) the modifications set forth in Section 39.01(c) shall
be effective upon the date of the Relocation Notice.

               (c) If the Relocation Notice is sent subsequent to the
Commencement Date:

                    (i) Landlord, at its sole cost and expense, shall prepare
the Relocated Space so as to be substantially identical in all material respects
with the Demised Premises as same exist on the date of the exercise of the
Relocation Option, except where structural and field conditions require a
variation from the Demised Premises and except that if certain materials
utilized in the Demised Premises are then unavailable, Landlord may substitute
materials of equal quality, subject to Tenant's approval, which approval shall
not be unreasonably withheld or delayed. Prior to commencing the preparation of
the Relocated Space, Landlord shall prepare, at its expense, plans and
specifications for the work and installations to be performed in the Relocated
Space in accordance with the preceding sentence and submit same to Tenant for
Tenant's approval, which approval shall not be unreasonably withheld or delayed.
In the event that Tenant fails to respond to any items submitted by

                                       29

<PAGE>

Landlord where Tenant's approval is required pursuant to subsection (i) within
fifteen (15) days after submission to, and receipt thereof, Tenant's approval as
to such items shall be deemed to have been granted;

                    (ii) when the Relocated Space is ready for occupancy in
accordance with the provisions of Article 4 of this Lease, Landlord shall, at
its sole cost and expense, and upon not less than thirty (30) days prior written
notice to Tenant, relocate Tenant into the Relocated Space. This relocation
shall be accomplished in such a manner so as to create the least practicable
interference with Tenant's business operation. Tenant agrees to cooperate with
Landlord in the relocating so as to enable Landlord to complete the relocation
in a minimum amount of time and in a manner that will minimize interference with
Tenant's business operation and shall sign all applications and documents
reasonably required to effectuate such relocation. All costs and expenses of
this relocation, including any overtime labor costs, shall be borne exclusively
by Landlord.

                    (iii) the modifications set forth in Section 39.01 (c) shall
be effective upon the date set forth in the notice to Tenant as described in
Section 39.02 (c) (ii).

          39.03 Notwithstanding the exercise of Landlord's Relocation Option,
and except as otherwise herein set forth, the terms, covenants and conditions of
this Lease shall remain unmodified and in full force and effect.

          39.04 In the event of the exercise of Landlord's Relocation Option and
upon the written request of either Landlord or Tenant, the parties hereto shall
promptly execute and deliver a supplementary agreement, in recordable form,
confirming (i) the exercise of Landlord's Relocation Option, (ii) the
designation of the Relocated Space as the Demised Premises and the effective
date thereof, (iii) the New Area and (iv) the modification of Section 1.04, and
Sections 5.01(e) and 5.07(i) and 16.01 to reflect the New Area, but no delay in,
or failure to, execute and deliver such supplementary agreement shall affect in
any manner such exercise or designation.

                                   ARTICLE 40
                                 CONFIDENTIALITY

          40.01 Tenant hereby covenants and agrees that this Lease and the terms
hereof are confidential, and that it shall not make any public or private
statement or issue other publicity or information with respect to this Lease or
disclose any of the terms, covenants or conditions hereof, including, but not
limited to, any of the economic terms, without the prior written approval of
Landlord. Tenant further acknowledges and agrees that this Article 40 is a
material inducement to Landlord to enter into this Lease, and that but for
Tenant's covenants contained in this Article 40, Landlord would not enter into
this Lease. Tenant's breach or anticipated breach of this Article 40 shall
constitute a material default hereunder entitling Landlord to exercise any and
all rights and remedies at law and/or in equity, including, but not limited to,
injunctive relief. Tenant shall indemnify and hold Landlord harmless from and
against any and all claims, suits, liabilities and/or damages resulting from
related to Tenant's breach or anticipated breach of this Article 40.

                         [SIGNATURES ON FOLLOWING PAGE]

                                       30

<PAGE>

     IN WITNESS WHEREOF, Landlord and Tenant have duly executed this Lease as of
the day and year first above written.

Landlord:

COM OFFICE DEVELOPERS, LLC

BY: /s/ DANIEL E. STRAUS
   ----------------------------------   Date: 11/30/05

Tenant:
AVETA HOLDINGS, LLC

By: /s/ HOWARD KAMINS
   ----------------------------------   Date: 11/29/05
Name:
Title:

                                       31

<PAGE>

                                 ACKNOWLEDGMENTS

STATE OF NEW JERSEY   )
                      )   ss.:
COUNTY OF BERGEN      )

On this 30th day of November 2005, before me personally came Howard Kamins to me
known, who, being duly sworn did depose and say that he/she resides at
___________________________________________________________________________ that
he/she is the____________ of __________________________________________, the
corporation described in and which executed the foregoing instrument; as TENANT,
and that he/she signed his name thereto by order of the Board of Directors of
said corporation, by like Order.

                                            /s/ TIFFANY M. ROSS
                                        NOTARY PUBLIC OF NEW JERSEY
TIFFANY M. ROSS                         My Commission Expires 03/29/2010
NOTARY PUBLIC

                                       32

<PAGE>

                                   SCHEDULE 1

                                   FIXED RENT

Fixed Rent shall be as follows:

For the period commencing on the Commencement Date, through and including
November 30, 2006, fixed rent shall be $330,400.00 per year ($27,533.33 per
month);

For the period commencing on December 1, 2006 through and including November 30,
2007, fixed rent shall be $340,312.00 per year ($28,359.33 per month);

For the period commencing on December 1, 2007 through and including November 30,
2008, fixed rent shall be $350,521.36 per year ($29,210.11 per month);

For the period commencing on December 1, 2008 through and including November 30,
2009, fixed rent shall be $361,036.64 per year ($30,086.37 per month);

For the period commencing on December 1, 2009 through and including November 30,
2010, fixed rent shall be $371,867.10 ($30,988.93 per month);

For the period commencing on December 1, 2010 through and including November 30,
2011, fixed rent shall be $383,023.10 ($31,918.59 per month);

For the period commencing on December 1, 2011 through and including November 30,
2012, fixed rent shall be $394,513.79 ($32,876.15 per month);

For the period commencing on December 1, 2012 through and including November 30,
2013, fixed rent shall be $406,349.20 ($33,862.43 per month);

For the period commencing on December 1, 2013 through and including November 30,
2014, fixed rent shall be $418,539.68 ($34,878.31 per month);

For the period commencing on December 1, 2014 through and including the
Expiration Date, fixed rent shall be $431,095.87 ($35,924.66 per month).

                                       33

<PAGE>

                                   EXHIBIT A
                                   Description

                                       34

<PAGE>

                                    EXHIBIT B
                                   Floor Plan

                                       35

<PAGE>

                                    EXHIBIT C
                                 LANDLORD'S WORK

LANDLORD'S WORK REFERENCED IN SECTION 3.02(a):

LANDLORD'S WORK REFERENCED IN SECTION 3.02(b) FOR WHICH TENANT SHALL REIMBURSE
LANDLORD:

     Prior to commencement of any Tenant's Work, Tenant shall submit to
Landlord, for Landlord's review and approval, detailed architectural, mechanical
and electrical engineering drawings and specifications (herein referred to as
"TENANT'S PLANS") for any work to be done by Tenant in the Demised Premises
which shall set forth, without limitation, the following:

     (a)  The location and extent of floor loading and floor openings and other
          structural changes.

     (b)  Location, loads and dimensions of telephone equipment rooms.

     (c)  Partition locations and type.

     (d)  Door locations, size and type, hardware schedule.

     (e)  Reflected ceiling plans.

     (f)  Any structural architectural installations.

     (g)  Cabinet work and any other information affecting other trades.

     (h)  Non-building standard ceiling heights and/or materials, and any other
          information not specified in

     (i)  Total electrical load, including lighting for entire space and
          location of electrical and telephone outlets, and showing amount and
          location of areas requiring loads in excess of Building Standard.

     (j)  air conditioning loads.

     (k)  specific plumbing requirements, including plans, specifications and
          sections.

     (1)  Decorative plans, including paint schedule, floor coverings and wall
          coverings.

     (m)  Non-structural architectural detailing.

     All plans and specifications for all work to be performed in and to the
Demised Premises (including, without limitation, Tenant's Plans) are subject to
Landlord's prior written approval. Within ten (10) days after notification from
Landlord of any objections to Tenant's Plans, Tenant shall submit to Landlord
new plans (the "REVISED TENANT'S PLANS") curing Landlord's objections. If
Tenant's Plans, the Revised Tenant's Plans or Revisions (as hereinafter defined)
require any materials, services, or installations that will result in a delay in
construction, Landlord may reject those items of Tenant's Plans, the Revised
Tenant's Plans or Revisions which will occasion such delay. Tenant shall pay to
Landlord, as additional rent within five (5) days after submission to Tenant of
a statement therefor, the costs incurred by Landlord for review of Tenant's
Plans, Revised Tenant's Plans and Revisions.

          Tenant's Plans and the Revised Tenant's Plans shall comply with and
conform to the plans of the Building filed with the Department of Buildings of
the Town of Fort Lee, and with all rules, regulations and/or other

                                       36

<PAGE>

requirements of any governmental department having jurisdiction over the
construction of the Building and/or the Demised Premises. Landlord shall, at
Tenant's expense, file all necessary architectural plans, together with any
mechanical plans and specifications, in such form (building notice, alteration,
or other form) as may be necessary, with the appropriate governmental agencies.
Any changes required by any governmental department affecting the completion of
the Demised Premises shall be complied with by Tenant in completing the Demised
Premises. Additionally, any change in the base Building or any compliance with
any rules, regulations and/or other requirements of any governmental agency
having jurisdiction necessitated by Tenant's Plans or the Revised Plans (whether
such change or compliance is required prior to or during the course or after
completion of the work to be performed in the Demised Premises and whether or
not Landlord shall have previously approved such Tenant's Plans or the Revised
Tenant's Plans) shall be accomplished at Tenant's sole cost and expense. The
granting by Landlord of its approval to Tenant's Plans or the Revised Tenant's
Plans shall in no manner constitute or be deemed to constitute a judgment or
acknowledgment by Landlord as to their legality or compliance with governmental,
quasi-governmental or other requirements.

          Tenant shall have the right to make changes from time to time in
Tenant's Plans or the Revised Tenant's Plans (other than changes necessitated by
Landlord's objections) by submitting to Landlord revised Plans and
specifications (herein referred to as the "REVISIONS"). All Revisions shall be
subject to Landlord's prior written approval. The cost of any Revisions shall be
borne solely by Tenant.

          Any architect, space planner and engineer that Tenant elects or is
required to utilize shall be subject to the prior written approval of Landlord.

          All amounts payable by Tenant for work to be done pursuant to this
Work Letter shall be paid by Tenant within five (5) days after the submission to
Tenant of statements, bills or invoices therefore.

                                       37

<PAGE>

                                    EXHIBIT D
                             RULES AND REGULATIONS

     1. The rights of Tenants in the entrances, corridors and elevators of the
Building are limited to ingress to and egress from the Tenant's premises for the
Tenants and their employees, licensees and invitees, and no Tenant shall use, or
permit the use of, the entrances, corridors, or elevators for any other purpose.
No Tenant shall invite to the Tenant's premises, or permit the visit of, persons
in such numbers or under such conditions as to interfere with the use and
enjoyment of any of the entrances, corridors, elevators and other facilities of
the Building by other Tenants. Fire exits and stairways are for emergency use
only, and they shall not be used for any other purpose by the Tenants, their
employees, licensees or invitees. No Tenant shall encumber or obstruct, or
permit the encumbrance or obstruction of any of the sidewalks, entrances,
corridors, elevators, fire exits or stairways of the Building. The Landlord
reserves the right to control and operate the public portions of the Building
and the public facilities, as well as facilities furnished for the common use of
the Tenants, in such manner as it deems best for the benefit of the Tenants
generally.

     2. The Landlord may refuse admission to the Building outside of ordinary
business hours to any person not known to the watchman in charge or not having a
pass issued by the Landlord or the Tenant whose premises are to be entered or
not otherwise properly identified, and may require all persons admitted to or
leaving the Building outside of ordinary business hours to register. Any person
whose presence in the Building at any time shall, in the judgment of the
Landlord, be prejudicial to the safety, character, reputation and interests of
the Building or of its Tenants may be denied access to the Building or may be
ejected therefrom. In case of invasion, riot, public excitement or other
commotion, the Landlord may prevent all access to the Building during the
continuance of the same, by closing the doors or otherwise, for the safety of
the Tenants and protection of property in the Building. The Landlord may require
any person leaving the Building with any package or other object to exhibit a
pass from the Tenant from whose premises the package or object is being removed,
but the establishment and enforcement of such requirement shall not impose any
responsibility on the Landlord for the protection of any Tenant against the
removal of property from the premises of the Tenant. The Landlord shall, in no
way, be liable to any Tenant for damages or loss arising from the admission,
exclusion or ejection of any person to or from the Tenant's premises or the
Building under the provisions of this rule. Canvassing, soliciting or peddling
in the building is prohibited and every Tenant shall co-operate to prevent the
same.

     3. No Tenant shall obtain or accept for use in its premises ice, drinking
water, food, beverage, towel, barbering, boot blacking, floor polishing,
lighting maintenance, cleaning or other similar services from any persons not
authorized by the Landlord in writing to furnish such services, provided that
the charges for such services by persons authorized by the Landlord are not
excessive. Such services shall be furnished only at such hours, in such places
within the Tenant's premises and under such reasonable regulations as may be
fixed by the Landlord.

     4. The cost of repairing any damage to the public portions of the Building
or the public facilities or to any facilities used in common with other Tenants,
caused by a Tenant or the employees, licensees or invitees of the Tenant, shall
be paid by such Tenant.

     5. No lettering, sign, advertisement, notice or object shall be displayed
in or on the windows or doors, or on the outside of any Tenant's premises, or at
any point inside any Tenant's premises where the same might be visible outside
of such premises or in any hallway or common area inside or outside of the
Building, except that the name of the Tenant may be displayed on the entrance
door of the Tenant's premises, and in the elevator lobbies of the floors which
are occupied entirely by any Tenant, subject to the approval of the Landlord as
to the size, color and style of such display. The inscription of the name of the
Tenant on the door of the Tenant's premises shall be done by the Landlord at the
expense of the Tenant. Listing of the name of the Tenant on the directory boards
in the Building shall be done by the Landlord at its expense; any other listings
shall be in the discretion of the Landlord.

     6. No awnings or other projections over or around the windows shall be
installed by any Tenant, and only such window blinds as are supplied or
permitted by the Landlord shall be used in a Tenant's premises. Linoleum, tile
or other floor covering shall be laid in a Tenant's premises only in a manner
approved by the Landlord.

     7. The Landlord shall have the right to prescribe the weight and position
of safes and other objects of excessive weight, and no safe or other object
whose weight exceeds the lawful load for the area upon which it would stand
shall be brought into or kept upon a Tenant's premises. If, in the judgment of
the Landlord, it is necessary to distribute the concentrated weight of any heavy
object, the work involved in such distribution shall be done at the expense of
Tenant and in such manner as the Landlord shall determine. The moving of safes
and other heavy objects shall take place only outside of ordinary business hours
upon previous notice to the Landlord, and the persons employed to move the same
in and out of the Building shall be reasonably acceptable to the Landlord and,
if so required by law, shall hold a Master rigger's license. Freight, furniture,
business equipment, merchandise and bulky matter of any description shall be
delivered to and removed from the premises only in the freight elevators and
through the service entrances and corridors, and only during hours and in a
manner approved by the Landlord. Arrangements will be made by the Landlord with
any Tenant for moving large quantities of furniture and equipment into or out of
the building.

     8. No machines or mechanical equipment of any kind, other than typewriters
and other ordinary portable business machines, may be installed or operated in
any Tenant's premises without Landlord's prior written consent, and in no case
(even where the same are of a type so excepted or as so consented to by the
Landlord) shall any machines or mechanical equipment be so placed or operated as
to disturb other Tenants but machines and mechanical equipment which may be
permitted to be installed and used in a Tenant's premises shall be so equipped,

                                       38

<PAGE>
installed and maintained by such Tenant as to prevent any disturbing noise,
vibration or electrical or other interference from being transmitted from such
premises to any other area of the Building.

     9. No noise, including the playing of any musical instruments, radio, or
television, which, in the judgment of the Landlord, might disturb other Tenants
in the Building, shall be made or permitted by any Tenant, and no cooking shall
be done in the Tenant's premises, except as expressly approved by the Landlord.
There shall be no smoking permitted in the Building or on any Tenant's premises.
Nothing shall be done or permitted in any Tenant's premises, and nothing shall
be brought into or kept in any Tenant's premises which would impair or interfere
with any of the Building services or the proper and economic heating, cleaning
or other servicing of the Building or the premises, or the use or enjoyment by
any other Tenant of any other premises, nor shall there be installed by any
Tenant any ventilating, air conditioning, electrical or other equipment of any
kind which, in the judgment of the Landlord, might cause any such impairment or
interference, no dangerous, inflammable, combustible or explosive object or
material shall be brought into the building by any Tenant or with the permission
of any Tenant. Any cuspidors or similar containers or receptacles used in any
Tenant's premises shall be cared for and cleaned by and at the expense of the
Tenant.

     10. No acids, vapors or other materials shall be discharged or permitted to
be discharged into the waste lines, vents or flues of the Building which may
damage them. The water and wash closets and other plumbing fixtures in or
serving any Tenant's premises shall not be used for any purpose other than the
purposes for which they were designed or constructed, and no sweepings, rubbish,
rags, acids or other foreign substances shall be deposited therein.

     11. No additional locks or bolts of any kind shall be placed upon any of
the doors or windows in any Tenant's premises and no lock on any door therein
shall be changed or altered in any respect. Additional keys for a Tenant's
premises and toilet rooms shall be procured only from the Landlord, which may
make a reasonable charge therefor. Upon the termination of a Tenant's lease, all
keys of the Tenant's premises and toilet rooms shall be delivered to the
Landlord.

     12. All entrance doors in each Tenant's premises shall be left locked and
all windows shall be left closed by the Tenant when the Tenant's premises are
not in use. Entrance doors shall not be left open at any time.

     13. Hand trucks not equipped with rubber tires and side guards shall not be
used within the Building.

     14. All windows in each Tenant's premises shall be kept closed and all
blinds therein, if any, above the ground floor shall be lowered when and as
reasonable required because of the position of the sun, during the operation of
the Building air-conditioning system to cool or ventilate the Tenant's premises.

     15. The Landlord reserves the right to rescind, alter or waive any rule or
regulation at any time prescribed for the Building when, in its judgment, it
deems it necessary, desirable or proper for its best interest and for the best
interests of the Tenants, and no alteration or waiver of any rule or regulation
in favor of one Tenant shall operate an alteration or waiver in favor of any
other Tenant. The Landlord shall not be responsible to any Tenant for the
non-observance or violation by any other Tenant of any of the rules and
regulations at any time prescribed for the Building.

                                       39

<PAGE>
                                    EXHIBIT E
                                   DEFINITIONS

     (a) The term mortgage shall include an indenture of mortgage and deed of
trust to a trustee to secure an issue of bonds, and the term mortgagee shall
include such a trustee.

     (b) The terms include, including and such as shall each be construed as if
followed by the phrase "without being limited to".

     (c) The term obligations of this Lease, and words of like import, shall
mean the covenants to pay rent and additional rent under this Lease and all of
the other covenants and conditions contained in this Lease. Any provision in
this Lease that one party or the other or both shall do or not do or shall cause
or permit or not cause or permit a particular act, condition, or circumstance
shall be deemed to mean that such party so covenants or both parties so
covenant, as the case may be.

     (d) The term Tenant's obligations hereunder, and words of like import, and
the term Landlord's obligations hereunder, and words of like import, shall mean
the obligations of this Lease which are to be performed or observed by Tenant,
or by Landlord, as the case may be. Reference to performance of either party's
obligations under this Lease shall be construed as "performance and observance".

     (e) Reference to Tenant being or not being in default hereunder, or words
of like import, shall means that Tenant is in default in the performance of one
or more of Tenant's obligations hereunder, or that Tenant is not in default in
the performance of any of Tenant's obligations hereunder, or that a condition of
the character described in Section 25.01 has occurred and continues or has not
occurred or does not continue, as the case may be.

     (f) References to Landlord as having no liability to Tenant or being
without liability to Tenant, shall mean that Tenant is not entitled to terminate
this Lease, or to claim actual or constructive eviction, partial or total, or to
receive any abatement or diminution of rent, or to be relieved in any manner of
any of its other obligations hereunder, or to be compensated for loss or injury
suffered or to enforce any other kind of liability whatsoever against Landlord
under or with respect to this Lease or with respect to Tenant's use or occupancy
of the Demised Premises.

     (g) The term laws and/or requirements of public authorities and words of
like import shall mean laws and ordinances of any or all of the Federal, state,
city, county and borough governments and rules, regulations, orders and/or
directives of any or all departments, subdivisions, bureaus, agencies or offices
thereof, or of any other governmental, public or quasi-public authorities,
having jurisdiction in the premises, and/or the direction of any public officer
pursuant to law.

     (h) In connection with bankruptcy, reorganization or otherwise, reference
to the term abandon shall include the Tenant discontinuing the conduct of
business in the Demised Premises at any time, notwithstanding the fact that
Tenant's furniture or other personal property remain within the Demised
Premises.

     The term requirements of insurance bodies and words of like import shall
mean rules, regulations, orders and other requirements of the New Jersey Board
of Fire Underwriters and/or the New Jersey Fire Insurance Rating Organization
and/or any other similar body performing the same or similar functions and
having jurisdiction or cognizance of the Building and/or the Demised Premises.

     (i) The term repair shall be deemed to include restoration and replacement
as may be necessary to achieve and/or maintain good working order and condition.

     (j) Reference to termination of this Lease includes expiration or earlier
termination of the term of this Lease or cancellation of this Lease pursuant to
any of the provisions of this Lease or to law. upon a termination of this Lease,
the term and estate granted by this Lease shall end at noon of the date of
termination as if such date were the date of expiration of the term of this
Lease and neither party shall have any further obligation or liability to the
other after such termination (i) except as shall be expressly provided for in
this Lease, or (ii) except for such obligation as by its nature or under the
circumstances can only be, or by the provisions of this Lease, may be, performed
after such termination, and, in any event, unless expressly otherwise provided
in this Lease, any liability for a payment which shall have accrued to or with
respect to any period ending at the time of termination shall survive the
termination of this Lease.

     (k) The term in full force and effect when herein used in reference to this
Lease as a condition to the existence or exercise of a right on the part of
Tenant shall be construed in each instance as including the further conditions
that at the time in question no default on the part of Tenant exists, and no
event has occurred which has continued to exist for such period of time (after
the notice, if any, required by this Lease), as would entitle Landlord to
terminate this Lease or to dispossess Tenant.

     (l) The term Tenant shall mean Tenant herein named or any assignee or other
successor in interest (immediate or remote) of Tenant herein named, while such
Tenant or such assignee or other successor in interest, as the case may be, is
in possession of the Demised Premises as owner of the Tenant's estate and
interest granted by this Lease and also, if Tenant is not an individual or a
corporation, all of the persons, firms and corporations then comprising Tenant.

     (m) Words and phrases used in the singular shall be deemed to include the
plural and vice versa, and nouns and pronouns used in any particular gender
shall be deemed to include any other gender.

                                       40

<PAGE>
               (n) The rule of ejusdem generis shall not be applicable to limit
a general statement following or referable to an enumeration of specific matters
to matters similar to the matters specifically mentioned.

               (o) All references in this Lease to numbered Articles, numbered
Sections and lettered Exhibits are references to Articles and Sections of this
Lease, and Exhibits annexed to (and thereby made part of) this Lease, as the
case may be, unless expressly otherwise designated in the context.

                                       41

<PAGE>

                                    EXHIBIT F
                             CLEANING SPECIFICATIONS

     1.   GENERAL

All linoleum, rubber, asphalt tile and other similar types of flooring (that may
be waxed) to be swept nightly, using approved dust-check type of mop.

All carpeting and rugs to be carpet swept nightly and vacuum cleaned weekly.

Hand dust and wipe clean all furniture, fixtures and window sills nightly; wash
sills where necessary.

Empty and clean all waste receptacles nightly and remove waste paper and waste
materials.

Dust interior of all waste disposal cans and baskets nightly; damp-dust as
necessary.

Wash clean all water fountains and coolers nightly.

Hand dust all door and other ventilating louvers within reach, as necessary.

Dust all telephones as necessary.

Sweep all private stairway structures nightly.

     2.   LAVATORIES IN THE CORE

Sweep and wash all lavatory floors nightly using proper disinfectants. Wash and
polish all mirrors, powder shelves, bright work and enameled surfaces in all
lavatories nightly.

Scour, wash and disinfect all basins, bowls and urinals throughout all
lavatories, nightly.

Wash all toilet seats, nightly.

Empty paper towel receptacles and transport wastepaper to designated area in
basements, nightly (towels, soap and receptacles to be furnished by Tenant).

Fill toilet tissue holders nightly.

Empty sanitary disposal receptacles, nightly.

Thoroughly wash and polish all wall tile and stall surface as often as
necessary.

     3.   HIGH DUSTING

Dust all Venetian blinds, frames, charts, graphs and similar wall hangings and
vertical surfaces not reached in nightly cleaning, quarterly.

Cleaning of light fixtures shall be for account of Tenant.

     4.   GLASS

Exterior windows to be cleaned inside and outside approximately once every six
(6) months (or more often, if required by Landlord), weather permitting.

     5.   CONDITIONS

As herein used "nightly" means five nights a week, Monday through Friday, during
regular cleaning hours (between 6:00 P.M. and 6:00 A.M.) and excludes legal and
union holidays.

Tenant will pay for electricity, power and hot and cold water in the Demised
Premises for cleaning during the regular cleaning hours which are after hours.

                                       42

<PAGE>

                                   SCHEDULE 1
                               LANDLORD'S PROPERTY

                                       43<PAGE>

                                                                    Exhibit 10.5

                                   ASSIGNMENT

          This ASSIGNMENT is made as of the 29th day of December, 2005 by and
between Aveta Health, Inc., a Tennessee corporation located at 411 Hackensack
Avenue, 7th Floor, Hackensack, NJ 07601 ("Assignor") on the one hand, and Aveta
Inc., a Delaware corporation located at 173 North Marginal Road, Fort Lee, New
Jersey 07024 ("Assignee") on the other hand.

          WHEREAS, Assignor owns the following trademarks and corresponding
registrations (collectively the "Trademarks"): NORTH AMERICAN MEDICAL
MANAGEMENT, U.S. Reg. No. 1,835,051, and AVETA, U.S. Reg. No. 2,673,230;

          WHEREAS, Assignee is purchasing the Trademarks from Assignor;

          NOW, THEREFORE, for good and valuable consideration, the receipt and
sufficiency of which is hereby acknowledged:

          Assignor hereby sells, transfers, conveys, and assigns to Assignee all
right, title, and interest in and to the Trademarks, together with the goodwill
symbolized thereby, including all rights to sue and recover for past
infringement.

          Assignor agrees to execute all documents and assist in all proceedings
(at the sole cost and expense of the Assignee) to perfect, register, or record
the rights of the Assignee to the Trademarks as Assignee may reasonably deem
appropriate. If Assignor does not, within fifteen (15) days of presentment,
return the requested executed documents, then Assignee is hereby granted a
limited power of attorney to execute all such documents on behalf of Assignor.
This power of attorney is coupled with an interest and is irrevocable.

AVETA HEALTH, INC.                      AVETA INC.

By: /s/ JOSEPH MARK                     By: /s/ HOWARD KAMINS
    ---------------------------------       ------------------------------------
   Joseph Mark                             Howard Kamins
   President and COO                       Vice President

December 29, 2005                       December 29, 2005

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