Document:

CAPITOL FEDERAL FINANCIAL

Deferred Incentive Bonus Plan

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CAPITOL FEDERAL FINANCIAL

	Deferred Incentive Bonus Plan

Table of Contents

				Page
	ARTICLE I	--	PURPOSE	1

	ARTICLE II	--	DEFINITIONS	1

	ARTICLE III	--	PARTICIPATION	4

	ARTICLE IV	--	DEFERRED ACCOUNTS	5

	ARTICLE V	--	BENEFITS	7

	ARTICLE VI	--	DEATH BENEFITS	7

	ARTICLE VII	--	SOURCE OF BENEFITS	7

	ARTICLE VIII	--	ADMINISTRATION OF THIS PLAN	8

	ARTICLE IX	--	AMENDMENT	10

	ARTICLE X	--	TERMINATION	10

	ARTICLE XI	--	RESTRICTIONS ON ALIENATION OF BENEFITS	11

	ARTICLE XII	--	CLAIMS PROCEDURE	12

	ARTICLE XIII	--	MISCELLANEOUS	13

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CAPITOL FEDERAL FINANCIAL

Deferred Incentive Bonus Plan

            ARTICLE I -- PURPOSE

            The purpose of this Plan is to provide specified benefits to Senior Managers of Capitol Federal Financial and Capitol Federal Savings Bank (the "Company") who contribute to the continued growth, development and future business success of the Company.  This program shall be administered as an unfunded plan of deferred compensation for income tax purposes and shall be applicable solely to those Employees serving in the job classification of Chairman, President, Executive Vice- Presidents and Senior Vice Presidents ("Senior Managers").  This deferred compensation plan is intended to operate in conjunction with that certain Short Term Performance Award Plan adopted by the Company on November 16, 1999.

            ARTICLE II -- DEFINITIONS

            For purposes of this Plan, the following phrases or terms shall have the indicated meanings unless otherwise clearly apparent from the context:

            Section 2.01.  "Approved Reason" means a reason for terminating employment with the Company which, in the opinion of the Committee, is in the best interest of the Company.

            Section 2.02.  "Award" or "Performance Award" means a lump sum
cash payment granted under the Plan to a Participant by the Committee pursuant to such terms, conditions, restrictions and/or limitations, if any, as the Committee may establish.

            Section 2.03.  "Beneficiary or Beneficiaries" means the person,
persons, entity or entities entitled to receive any benefits under this Plan pursuant to the designation of the Participant (or in default of such designation) as provided in Section 6.02 hereof.

            Section 2.04.  "Board of Directors" means the Board of Directors of Capitol Federal Financial.

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            Section 2.05.  "Cause" means:

		(a)	the willful and continued failure by an Employee to substantially perform his or her duties with his or her employer after written warnings identifying the lack of substantial performance are delivered to the Employee by his or her employer to specifically identify the manner in which the employer believes that the Employee has not substantially performed his or her duties, or

		(b)	the willful engaging by an Employee in illegal conduct which is materially and demonstrably injurious to CFF or a Subsidiary.

            Section 2.06.  "Change In Control" means a Change In Control of
CFF of a nature that would be required to be reported (assuming such event has not been "previously reported") in response to Item 1(a) of the Current Report on Form 8-K, as in effect on October 1, 1999, pursuant to Section 13 or 15(d) of the Exchange Act; provided that, without limitation, a Change In Control shall be deemed to have occurred at such time as (I) any "person" within the meaning of Section 14(d) of the Exchange Act, other than Capitol Federal Financial, the Capitol Federal ESOP or a Subsidiary of CFF, is or has become the "beneficial owner," as defined in Rule 13d-3 under the Exchange Act, directly or indirectly, of 25% or more of the combined voting power of the outstanding securities of CFF ordinarily having the right to vote at the election of Directors, or (2) individuals who constitute the Board on October 1, 1999 (the "Incumbent Board") have ceased for any reason to constitute at least a majority thereof, provided that any person becoming a Director subsequent to October 1, 1999 whose election, or nomination for election by CFF's shareholders, was approved by a vote of at least three quarters (3/4) of the Directors comprising the Incumbent Board (either by a specific vote or by approval of the proxy statement of CFF in which such person is named as a nominee for Director without objection to such nomination) shall be, for purposes of this Plan, considered as though such person were a member of the Incumbent Board.

            Section 2.07.  "Code" means the Internal Revenue Code of 1986, as amended.

            Section 2.08.  "Committee" means the Executive Compensation and Development Committee of the CFF Board, or such other Board committee as may be designated by the Board to administer the Plan; provided that the Committee shall consist of an odd number of three or more Directors, all of whom are both a "disinterested person" within the meaning of Rule 16b-3 under the Exchange Act and an "outside director" within the meaning of the definition of such term as contained in Treasury Regulation Section 1.162-27(e)(3), or any successor definition adopted.

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            Section 2.09.  "Company"  means Capitol Federal Financial and its
wholly owned subsidiary, Capitol Federal Savings Bank.

            Section 2.10.  "Deferred Amount" means that portion of a Participant's Performance Award, between $2,000 and 50% of such Award up to but not exceeding $100,000, which the Participant elects to defer under the terms of this Plan.

            Section 2.11.  "Deferred Account" or "Account" means the ledger
entry established in accordance with ARTICLE III, which entry shall represent the Company's unsecured and unfunded promise to pay the amount of benefits set forth by such entry.

            Section 2.12.  "Disability" means a disability under the terms of any
long-term disability plan maintained by the Company.

            Section 2.13.  "Distribution Date" means the April 2nd next following
the last day of each Mandatory Deferral Period.

            Section 2.14.  "Short Term Performance Plan" or "STPP" means the
incentive bonus arrangement sponsored and maintained by the Company for the benefit of eligible Officers.  The Short Term Performance Plan is incorporated herein by reference.

            Section 2.15.  "Employee" means a common law Employee of the
Company paid from the Company payroll account.

            Section 2.16.  "Mandatory Deferral Period" means the consecutive
thirty-nine month period beginning on the Award Payment Date and ending on the applicable Distribution Date.

            Section 2.17.  "Officer" means only those certain salaried Employees
of the Company who are administrative executives in continuous service with the Company employed by the Company in one of the following job classifications: Chairman, President, Executive Vice-President, Senior Vice-President, First Vice- President, Vice-President, Assistant Vice-President, and Assistant Cashier.

            Section 2.18.  "Participant" means a common law Employee paid from the Company payroll account who is an Officer classified as Chairman, President, Executive Vice-President or Senior Vice-President and who has been designated by the Committee as eligible to participate in this Plan and who has satisfied all of the threshold eligibility criteria applicable to this Plan.

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            Section 2.19.  "Plan" means the Capitol Federal Financial Deferred
Incentive Bonus Plan.

            Section 2.20.  "Plan Year" means the Company fiscal year ending each September 30th.

            Section 2.21.  "Retirement" means, for all Plan purposes other than
the Plan's change of control provision, a termination of employment from the Company on or after attainment of age 65.

            Section 2.22.  "Senior Manager" means a Company Officer classified
as Chairman, President, Executive Vice-President, or Senior Vice-President.

            Section 2.23.  "Sole Discretion" means the right and power to decide a matter, which may be exercised arbitrarily and shall not be subject to review by any court or otherwise.

            ARTICLE III -- PARTICIPATION

            Section 3.01.  Eligibility.  In order to become a Participant in this Plan and defer Performance Awards granted under the STPP under this Plan, a Senior Manager must satisfy three criteria:  (1) Participation In the STPP.  In order to be eligible for participation in this Plan, a Senior Manager must be eligible for and an Active Participant in the STPP.  (2)  Committee Designation.  In addition to eligibility and participation in the STPP, a Senior Manager must be specifically designated as eligible to defer under this Plan.  The Committee shall have the unrestricted right and power, which may be exercised in its Sole Discretion, and at any time and from time to time, to designate Senior Managers who are eligible to participate in this Plan.  The Committee shall also have the right, in its Sole Discretion, to terminate an individual's future participation in this Plan.  If an individual's participation in this Plan is terminated, the Participant (or Participant's Beneficiary) shall be entitled to receive the Participant's Account at the time and in the manner determined under Articles V and VI, as the case may be.  (3) Timely Deferral Election.  In addition to the criteria set forth above, participation in this Plan shall only be possible if the Senior Manager has timely executed and filed the appropriate deferral election forms.  Deferral election forms shall be considered timely filed only if they are properly completed, executed, and filed with the Committee in accordance with Committee rules, prior to the time that the Award which is the subject of the election is earned.

            Section 3.02.  Incentive Bonus Deferral Agreements.  Prior to the first day of the Plan Year, or within 30 days after first becoming eligible to participate in this Plan but before earning an amount under the STPP, each Senior Manager who is otherwise qualified to be a Participant may elect to participate in this Plan, with respect to the Award to be earned for such Plan Year, by executing a deferral election and 

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returning that agreement to the Company.  All calculations of the dollar amount of Award shall be determined under the terms of the STPP.  The deferral election shall be irrevocable as to that portion of the Award electively deferred before the beginning of a Plan Year, but earned during such Plan Year.  Deferral agreements shall continue in effect unless modified or revoked prior to the first day of a Plan Year.  The deferral election agreements shall automatically terminate upon the termination of this Plan.

            Section 3.03.  Limitations on Deferrals.  Participants may elect to
defer amounts of not less than two thousand dollars ($2,000.00), up to an amount equal to fifty percent (50%) of the anticipated Participant's Performance Award for the upcoming Performance Year; provided, however, the amount of a single deferral may not exceed one hundred thousand dollars ($100,000.00).  No deferred amount may be withdrawn prior to the Distribution Date following the Mandatory Deferral Period applicable to such deferral.  Provided, however, where the Participant has terminated employment for an Approved Reason, become disabled, died or reached Retirement, the deferred amount may be paid, without increase for an earnings factor,  in accordance with the Participant's or Beneficiary's election within the Mandatory Deferral Period.  No deferral under this Plan shall continue past the applicable Distribution Date.

            ARTICLE IV -- Deferred Accounts

            Section 4.01.  Deferred Account.  The Deferred Amount described in Section 3.03 above shall be credited to the Participant's Deferred Account.

		A.	To the extent the Company is required to withhold any taxes or other amounts from the Deferred Amount pursuant to any federal, state, or local law, such amounts shall be taken out of the portion of the Participant's Award or other Compensation not deferred under this Plan.

		B.	The Company shall match each Deferred Amount by an amount equal to 50% of such Deferred Amount; provided, however, such match shall be subject to forfeiture and shall be forfeited if the Participant terminates service with the Company at any time for any reason, including death, Disability, Retirement or an Approved Reason, during the applicable Mandatory Deferral Period.

            Section 4.02.  Vesting.  Each Participant shall be fully vested in the Participant's Deferred Amount.  However, Participants shall only become vested in the Company matching amount (credited to the Deferred Amount at the commencement of the Mandatory Deferral Period) if the Participant remains continuously employed with the Company during the Mandatory Deferral Period and is so employed on the applicable Distribution Date.

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            Section 4.03.  Increases to the Account.  The Participant's Deferred Account shall be increased by an earnings factor.  The earnings factor shall equal the amount that the Participant's Deferred Account would have increased if, immediately following addition to the Account of the deemed Company match, the Account had been invested in the common stock of Capitol Federal Financial ("CFFN") and that position had been held through the last December 31st of the Mandatory Deferral Period.

		A.	In order to establish an initial value for the Account at the commencement of the Mandatory Deferral Period, the Committee shall utilize the closing price of CFFN as of the December 31st immediately preceding the applicable Award Payment Date and shall deem the entire Account (including the forfeitable Company match) to be 100% invested in CFFN at such price.  If, as of the December 31st immediately preceding the end of the Mandatory Deferral Period, the closing market price for CFFN is greater than the initial Value, the difference in value shall be converted to cash, added to the Account and paid on the Distribution Date along with the Deferred Amount, the Company match, and the Dividend Equivalents.

		B.	The Committee shall credit the Account with an amount appropriate to reflect dividends actually paid on Capitol Federal Financial common stock during the Mandatory Deferral Period (Dividend Equivalents).  Dividend Equivalents shall be credited to the Account as of the time dividends are actually paid on CFFN and shall be treated as additional units of CFFN; provided, however, and notwithstanding anything hereinabove to the contrary, Dividend Equivalents shall be valued and paid based only upon the CFFN closing price as of the December 31st immediately preceding the end of the Mandatory Deferral Period.

		C.	Notwithstanding anything to the contrary, the Company shall not be obligated to acquire any interest in any fund or investment option and any asset that may be acquired in order to provide a means for payment of any liability shall remain the property of the Company.

            Section 4.04.  Statement of Account.  The Committee shall submit to each Participant, within 90 days after the close of each Plan Year, a statement setting forth the balance to the credit of each Participant of his or her Deferred Account.

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            ARTICLE V -- BENEFITS

            Section 5.01.  General.  A Participant's Deferred Account will be payable to Participant in cash in a single sum on the applicable Distribution Date.  The benefits of a Participant who dies prior to their payment shall be paid to the Participant's Beneficiary.

            ARTICLE VI -- DEATH BENEFITS

            Section 6.01.  Death Benefits.   Benefits will be payable in one lump sum payment as soon as administratively practicable following the close of the Plan Year in which the Participant dies, provided, that the Board of Directors may elect to accelerate such payment in its Sole Discretion.

            Section 6.02.  Beneficiary Designations.  The Beneficiary of  a Participant shall be the person, persons, entity, or entities designated by the Participant on a beneficiary designation form provided by the Committee.  A Participant shall have the right to change his or her Beneficiary designation at any time; provided, however, that no change of a Beneficiary shall be effective until received by the Committee.   All Beneficiary designations, and any amendments and revocations thereto, shall be made upon such form or forms and in such manner as the Committee may from time to time direct.  In the event a Participant dies without having a Beneficiary Designation in force, or in the event no named Beneficiary is alive or is in being at the time, all payments due hereunder shall be paid to the Participant's surviving spouse, if any.  If the Participant leaves no surviving spouse, then such payment shall be made to the Participant's estate.

            ARTICLE VII -- SOURCE OF BENEFITS

            Section 7.01.  General.  Amounts payable hereunder shall be paid exclusively from the general assets of the Company.  The Company's obligation under this Plan shall constitute a mere promise to pay benefits in the future, and no person entitled to payment hereunder shall have any claim, right, security interest, or other interest in any fund, trust, account, insurance contract, or other asset of the Company.  The Company is not obligated to invest in any specific assets or fund, but it may invest in any asset or assets it deems advisable in order to provide a means for the payment of any liabilities under this Plan.  Each Participant shall be an unsecured general creditor of the Company and shall have no interest whatsoever in any such assets or fund.  The Company's liability for the payment of benefits hereunder shall be evidenced only by this Plan.

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            ARTICLE VIII -- ADMINISTRATION OF THIS PLAN

            Section 8.01.  Appointment of Committee.  This Plan shall be administered under the supervision of a Committee.  It shall be a principal duty of the Committee to see that this Plan is carried out in accordance with its terms.  The Committee shall have full power to administer this Plan in all of its details, subject, however, to the requirements of the Code, and other applicable laws.  For this purpose, the Committee's powers shall include, but are not limited to, the authority, in addition to all other powers provided by this Plan, to:

		A.	Determine in its discretion the eligibility of any Officer to participate in this Plan and of any individual to receive benefits under this Plan;

		B.	Exercise its discretion in making interpretations regarding the terms of this Plan and its interpretations to be final and conclusive on all persons claiming benefits under this Plan;

		C.	Compute the amounts payable for any Participant in accordance with the provisions of this Plan, the manner and time of payment and to determine and authorize the person or persons to whom such payments will be paid;

		D.	Receive claims for benefits and render decisions respecting such claims under this Plan;

		E.	Make and enforce such rules and regulations as it deems necessary or proper for the efficient administration of this Plan;

		F.	Appoint such agents, specialists, legal counsel, accountants, actuaries, consultants, or other persons as the Committee deems advisable to assist in administering this Plan;

		G.	Allocate and delegate its responsibilities under this Plan and to designate other persons to carry out any of its responsibilities under this Plan, any such allocation, delegation, or designation to be in writing;

		H.	Be responsible for all reporting and disclosure requirements for this Plan under the law;

		I.	Receive from the Company, Participants and other persons such information as shall be necessary for the proper administration of this Plan;

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		J.	Furnish to the Company upon request, such reports with respect to the administration of this Plan as are reasonable and appropriate; and

		K.	Maintain all records of this Plan.

            Section 8.02.  Examination of Records.The Committee shall make available to each Participant and his duly authorized representative, such of the records under this Plan as pertain to him, for examination at reasonable times during normal business hours.

            Section 8.03.  Committee.  The Committee shall act by a decision of a majority.   Any such action by the Committee may be taken either at a meeting or in writing signed by all Committee members without a meeting.  Notwithstanding the foregoing, the Committee may, by written authorization, empower any member of the Committee to individually execute any document or documents on behalf of the Committee, such authorization to remain in effect until revoked by the Committee.  The Committee shall elect one of its members as chairman, appoint a secretary, who may or may not be a Committee member and advise the Company of such actions in writing.  The secretary shall keep a record of all meetings, actions, and data necessary for the proper administration of this Plan and shall forward all necessary communications to the Company, the Participants or other necessary person.  A dissenting Committee member who, within a reasonable time after he has knowledge of any action or failure to act by majority, registers his dissent in writing delivered to the other Committee members and the Company shall not be responsible for any such action or failure to act.

            Section 8.04.  Reliance on Certificates, etc.  The members of the Committee and the officers and directors of the Company shall be entitled to rely on all certificates and reports made by any duly appointed accountants and on all opinions given by any duly appointed legal counsel.  Such legal counsel may be counsel for the Company.

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            ARTICLE IX -- AMENDMENT

            Section 9.01.  Right to Amend.  The Board of Directors reserves the right, at will, at any time and from time to time, to modify, alter, or amend this Plan (including without limitation a retroactive modification, alteration, or amendment), in whole or in part, and any such modification, alteration, or amendment shall be binding upon the Company, Participants, and all other persons, provided, however, no amendment will reduce the amount then credited to a Participant's Deferred Account without the Participant's written consent.

            ARTICLE X -- TERMINATION

            Section 10.01.  Termination of Plan.  The Company has established this Plan with the bona fide intention and expectation that it will be continued indefinitely, but the Company will have no obligation whatsoever to maintain this Plan for any given length of time and may at will, and at any time, discontinue or terminate this Plan in whole or in part.

            Section 10.02.  Termination Procedures.  Upon termination of this Plan, the Company shall give notice of the same to all Participants, the Committee, and any other affected person.  Further, upon termination of this Plan, all elections related to this Plan shall terminate, and payment of a Participant's Deferred Account shall be made in one lump sum payment  as soon as administratively possible after said termination.

            Section 10.03.  Effect of Complete Liquidation, Reorganization, or Change of Control.

		A.	Complete Liquidation.  If the stockholders of the Company adopt a plan of complete liquidation (other than a plan which is part of a plan of reorganization described in Subsection B. hereof), the Plan shall be deemed to have been terminated as of the date the plan of liquidation is adopted.  The rights of affected Participants upon such a liquidation shall be determined under the provisions of Sections 10.01 and 10.02 relative to a complete termination.

		B.	Reorganization.  If the Company effectuates a merger, consolidation, or other transaction constituting a reorganization with another corporation or corporations, pursuant to which the shares of common stock of Company will be surrendered in exchange for the stock of another corporation (the "Surviving Corporation") then this Plan shall be deemed to have been terminated as of the date the plan of reorganization is adopted.  No termination shall occur, however, if express provisions are made for the continuance of this Plan in accordance with the terms hereof except the word "Company" shall mean and refer to the Surviving Corporation from and after the effective date of such reorganization.

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            Section 10.04.  Change in Control.  Notwithstanding any provision contained in the Plan to the contrary, the provisions of this Section 10.04 shall control over any contrary provision.  All Participants shall be eligible for the treatment afforded by this Section if their employment with the Company terminates within two years following a Change In Control, unless the termination is due to (a) Death; (b) Disability; (c) Cause; (d) resignation other than (1) resignation from a declined reassignment to a job that is not reasonably equivalent in responsibility or compensation, or that is not in the same geographic area, or (2) resignation within thirty days of a reduction in base pay; or (e) retirement.

		A.	If a Participant qualifies for treatment under this Section, he or she shall immediately become fully vested in his or her Deferred Account.  Such Account shall be paid, as soon as practicable but in no event later than 90 days after his or her termination of employment.

		B.	Upon a Change In Control, no action, including, but not by way of limitation, the amendment, suspension, or termination of the Plan, shall be taken which would affect the rights of any Participant or the operation of the Plan with respect to any Account to which the Participant may have become entitled hereunder prior to the date of the Change In Control or to which he or she may become entitled as a result of such Change In Control.

            ARTICLE XI -- RESTRICTIONS ON ALIENATION OF BENEFITS

            Section 11.01.  General.  No right or benefit under this Plan shall be subject to anticipation, alienation, sale, assignment, transfer, pledge, encumbrance, or charge, and any attempt to anticipate, alienate, sell, assign, transfer, pledge, encumber, or charge the same shall be void.  No right or benefit hereunder shall in any manner be liable for or subject to the debts, contracts, liabilities, engagements, or torts of the person entitled to such benefit, and, to the extent permitted by law, the rights of Participant or a Beneficiary shall not be subject in any manner to attachment or other legal process for the debts of Participant or such Beneficiary.

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            ARTICLE XII -- CLAIMS PROCEDURE

            Section 12.01.  Participant Claim.  All claims for or relating to benefits whether made by a Participant or other person shall be in writing addressed and delivered to the Committee, at the Committee's main office, and such claim shall contain the claimant's name, mailing address, and telephone number, if any, and shall identify the claim in a manner reasonably calculated to make the claim understandable to the Committee and other fiduciaries.

            Section 12.02.  Claims Review.  If a claim is made, the Committee shall within 90 days thereafter (180 days if special circumstances exist) notify the claimant in writing whether the claim has been granted or has been denied in whole or in part.  Such notice shall be written in a manner calculated to be understood by the claimant, shall make specific reference to the Plan benefit, and, if adverse in whole or in part, shall set forth:

		A.	The specific reason or reasons for the denial;

		B.	Specific reference to pertinent Plan provisions on which the denial is based;

		C.	A description of any additional material or information necessary for the claimant to perfect the claim, together with an explanation of why such material or information is necessary; and

		D.	An explanation of the claim review procedure set forth in Sections 12.04 and 12.05 below.

            Section 2.03.  Claim Denial.  If within said 90 days the claim has not been granted, it shall be deemed to have been denied for purposes of the claim review procedure set forth in Section 12.04 below, even if notice of denial has not been given under Section 12.02 above.

            Section 12.04.  Appeal of Claim Denial.  Upon denial of a claim in whole or in part, the claimant or his duly authorized representative shall have 60 days within which to file with the Committee a written request for a review of such denial, whereupon:

		A.	The Committee shall as promptly as is practicable, but not later than 60 days after receipt of such request (120 days if special circumstances exist), review said claim; and

		B.	The claimant or his duly authorized representative shall, pending said review be permitted at all reasonable hours to review the pertinent documents and also be entitled to submit issues and comments in writing.

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            Section 12.05.  Review on Appeal.  A decision on the claim shall be rendered as soon as possible, but in no event later than 120 days after the Committee's receipt of the written request for review; shall be in writing and include specific reasons; shall be written in a manner calculated to be understood by the claimant; and shall contain specific reference to the Plan provisions on which the decision is based.

            Section 12.06.  Litigation of Claim.  Prior to initiating legal action concerning a claim in any court, state or federal, against this Plan, the Company, or the Committee, a claimant must first exhaust the administrative remedies provided in this Article XII.  Failure to exhaust the administrative remedies provided for in this Article XII shall be a bar to any civil action concerning a claim for benefits under the Plan.

            ARTICLE XIII -- MISCELLANEOUS

            Section 13.01.  Payments Net of Withholding and Other Amounts.  All payments under this Plan shall be net of any amount sufficient to satisfy all federal, state, and local withholding tax requirements, and shall also be net of all amounts owed by Participant, or Beneficiary or other recipient, to the Company.

            Section 13.02.  No Guarantee of Interests.  Neither the Company nor any affiliated entity (as defined in the Code), nor the Committee (nor any of its members) may guarantee the payment of any amounts which may be or become due to any person or entity under this Plan. The liability of the Company to make any payment under this Plan is limited to the then existing assets of the Company.

            Section 13.03.  Company Records.  Records of the Company as to any Employee or Participant shall be conclusive on all persons.

            Section 13.04.  Evidence.  Evidence required of anyone under this Plan may be by certificate, affidavit, document, or other information which the person or entity acting on such evidence considers pertinent and reliable, and signed, made, or presented by the proper party or parties.

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            Section 13.05.  Notice.  Except as otherwise provided in this Plan, any notice or communication required to be given herein by any Participant, the Company, or Committee shall be deemed given when delivered or when placed in the United States mail, postage prepaid, in an envelope addressed to the last address of the person to whom the notice is being given which was communicated in writing to the person giving such notice.

            Section 13.06.  Change of Address.  Any party may, from time to time, change the address to which notices shall be mailed by giving written notice of such new address.

            Section 13.07.  Effect of Provisions.  The provisions of this Plan shall be binding upon the Company and its successors and assigns, and upon Participant, his/her Beneficiary, assigns, heirs, executors, and administrators.

            Section 13.08.  Other Benefits and Plans.  The benefits provided for Participant and his/her Beneficiary hereunder are in addition to any other benefits available to Participant under any other program or plan of the Company, and, except as may otherwise be expressly provided for, this Plan shall supplement and shall not supersede, modify, or amend any other program or plan of the Company or Participant.

            Section 13.09.  Severability Clause.  If any provision of this Plan is held to be invalid or unenforceable, such determination shall not affect the validity of this Plan or the other provisions of this Plan.  In such event, this Plan shall be construed and enforced as if such provision had not been included therein; provided, that, nothing shall increase the Company's liability for payment of benefits in any amount beyond the amounts specified in this Plan.

            Section 13.10.  Minors and Incompetents.  If any person to whom a benefit is payable by the Company is legally incompetent, either by reason of age or by reason of mental or physical disability, the Company is authorized to cause the payments becoming due to such person to be made to another for his benefit without responsibility of the Company, Committee or the Board of Directors to see to the application of such payments.  Payments made pursuant to this authority shall constitute a complete discharge of any duty hereunder of the Company, Committee, and the Board of Directors.

            Section 13.11.  Limitation of Rights.  Neither the establishment of this Plan nor any amendment thereof will be construed as giving any Employee or other person any legal or equitable right against the Committee, Company, its Officers, directors, stockholders, except as expressly provided herein, and in no event will the terms of employment or service of any Employee be modified or in any way be affected hereby.

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            Section 13.12.  Information to be Furnished.  Each Participant shall provide the Company and Committee with such information and evidence, and shall sign such documents, as may reasonably be requested from time to time for the purpose of administration of this Plan.

            Section 13.13.  Word Usage.  Wherever any words are used herein in the masculine or neuter gender, they shall be construed as though they were used in the feminine, masculine or neuter gender, as the context may require, and vice versa, and wherever any words are used herein in the singular form they shall be construed as though they were also used in the plural form, as the context may require, and vice versa.

            Section 13.14.  Erroneous Payments.  If any Participant receives any amount of benefits that the Committee in its sole discretion later determines the Participant was not entitled to receive under the terms of the Plan, such Participant shall be required to make reimbursement to the Plan.  In addition, the Committee shall have the right to offset any future claims for benefits under the Plan against amounts that the Participant was not otherwise entitled to receive.

            Section 13.15.  Indemnification by Company.  The Company shall indemnify and save harmless each member of its Board of Directors, each Committee member, and any employee of the Company, from and against losses resulting from liability which they may be subjected by reason of any act or conduct (except wilful or wanton misconduct) in their official capacities in the administration of this Plan.  Expenses shall include the amount of any settlement or judgment, costs, counsel fees, and related charges reasonably incurred in connection with a claim asserted, or a proceeding brought in settlement thereof.  The foregoing right of indemnification shall be in addition to any other rights to which any such person may be entitled as a matter of law.

            Section 13.16.  Headings.  The titles and heading of Articles and Sections are included for convenience of reference only and are not to be considered in the construction of the provisions of this Plan.

            Section 13.17.  Governing Law.  All questions arising with respect to this Plan shall be determined by reference to the laws of the State of Kansas to the extent such laws are not preempted by the laws of the United States of America.

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            IN WITNESS WHEREOF, this Plan is executed as of this 16th day of November, 1999.

	

Attest:

   /s/                                                		CAPITOL FEDERAL FINANCIAL

By:      /s/ John B. Dicus<PAGE>
                                 EXHIBIT 10.202

                             STOCK OPTION AGREEMENT

        THIS STOCK OPTION AGREEMENT (this "Agreement"), dated as of December 17,
2001 is made by and between Trilon Dominion Partners, L.L.C., a Delaware limited
liability company ("Trilon") and Wilshire Technologies, Inc., a corporation
organized under the laws of the state of California (the "Company").

                                    RECITALS

        WHEREAS, Trilon is a substantial stockholder and debtholder of the
Company and the Company is in immediate need of additional cash;

        WHEREAS, Trilon has determined that it will provide the Company with
additional cash, but it will only do so if such investment provides Trilon with
the opportunity to increase its equity interest in the Company;

        WHEREAS, to effect such goal of providing Trilon with the opportunity to
increase its equity interest, the Company and Trilon have agreed herein to award
Trilon the option to purchase the common stock of the Company and the
opportunity to convert debt of the Company held by Trilon (the "Debt") on the
terms and conditions provided herein; and

        WHEREAS, Trilon has recently loaned the Company an additional
$433,000.00 in cash pursuant to a letter dated October 3, 2001, an additional
$358,000.00 pursuant to a letter dated November 2, 2001, and an additional
$488,000.00 pursuant to a letter dated December 10, 2001, Trilon is willing to
convert such indebtedness into equity, forego further interest thereon and
forgive interest thereon from the date of such loan through the date hereof
pursuant to the terms and conditions provided herein.

        NOW, THEREFORE, in consideration of the premises and the mutual
covenants and agreements set forth herein, the parties hereto, intending to be
legally bound hereby agree as follows:

        SECTION 1. OPTION, ADDITIONAL OPTION, AND STOCK ISSUANCE.

               (a) Option. The Company hereby grants Trilon an irrevocable
option (the "Option") to purchase from the Company up to 16,445,900 shares of
the Company's common stock, no par value (the "Common Stock"), at a purchase
price of $0.14 per share ( the "Exercise Price"). Upon approval of the Charter
Amendment, the number of shares of Common Stock for which the Option may be
exercised shall be increased from 16,445,900 to 18,045,900. The Option may be
exercised in whole or in part at any time and from time to time during the
period commencing on the date hereof and ending at 5 p.m. New York time on
December 31, 2002 (the "Exercise Period"). At Trilon's election, it may pay the
Exercise Price for the Option by

<PAGE>
canceling indebtedness of the Company to Trilon incurred after the date of this
Agreement in an amount equal to the aggregate Exercise Price for the shares
purchased.

               (b) Additional Option. The Company hereby grants Trilon an
irrevocable option (the "Additional Option") to purchase from the Company the
Additional Shares (as defined below) at the Exercise Price. After approval of
the Charter Amendment, the Additional Option may be exercised at any one time
during the period commencing on the exercise in full of the Option and expiring
90 days after such exercise in full. Additional Shares means the number of
shares that will increase Trilon's beneficial ownership, within the meaning of
Rule 13d-3 under the Securities Exchange Act of 1934, of the Common Stock to 90%
of the sum of (x) the shares outstanding immediately after exercise of the
Additional Option plus (y) the shares reserved for issuance on exercise of
options or warrants outstanding immediately after exercise of the Additional
Option. At Trilon's election, it may pay the Exercise Price for the Additional
Shares by canceling outstanding indebtedness of the Company to Trilon in an
amount equal to the aggregate Exercise Price for the shares purchased.

               (c) Stock Issuance. Upon the execution of this Agreement (i) the
Company shall issue 1,968,181 shares of Common Stock to Trilon and, in
consideration thereof and the grant of the Option and the Additional Option,
Trilon shall cancel $433,000.00 in principal amount of indebtedness of the
Company to Trilon evidenced by a promissory note dated October 5, 2001 and shall
forgive the interest payable thereon and (ii) the Company shall issue 2,557,142
shares of Common Stock to Trilon and, in consideration thereof and the grant of
the Option and the Additional Option, Trilon shall cancel $358,000.00 in
principal amount of indebtedness of the Company to Trilon evidenced by a
promissory note dated November 5, 2001 and shall forgive the interest payable
thereon and (iii) the Company shall issue 3,485,715 shares of Common Stock to
Trilon and, in consideration thereof and the grant of the Option and the
Additional Option, Trilon shall cancel $488,000.00 in principal amount of
indebtedness of the Company to Trilon evidenced by a promissory note dated
December 7, 2001 and shall forgive the interest payable thereon. The Company
shall as promptly as practicable, and in any event within 15 days after the date
hereof, execute and deliver or cause to be executed and delivered to Trilon a
certificate representing the shares of Common Stock issued pursuant to the
preceding sentence.

        SECTION 2. EXERCISE OF OPTION. To exercise the Option or the Additional
Option in whole or in part, Trilon shall deliver to the Company at its principal
office in Carlsbad, California, (a) a written notice, in substantially the form
of the Exercise Notice appearing at the end of this Agreement, of Trilon's
election to exercise the Option or the Additional Option, which notice shall
specify the number of shares of Common Stock to be purchased and (b) cash or a
certified check payable to the Company, or by crediting such amount against
outstanding indebtedness (including principal and accrued interest thereon) of
the Company to Trilon, at the time of exercise, in an amount equal to the
Exercise Price. The Company shall as promptly as practicable, and in any event
within 15 days thereafter, execute and deliver or cause to be executed and
delivered, in accordance with such notice, a certificate or certificates
representing the aggregate number of shares of Common Stock specified in such
notice. Such certificate or certificates shall be deemed to have been issued and
Trilon or any other person so designated to be named therein shall be deemed for
all purposes to have become a holder of record of such

                                       2
<PAGE>
shares as of the date such notice, with payment of the Exercise Price, is
received by the Company as aforesaid. The Company shall pay all expenses, taxes
and other charges payable in connection with the preparation, issuance and
delivery of such stock certificates, except that, in case such stock
certificates shall be registered in a name or names other than the name of
Trilon, funds sufficient to pay all stock transfer taxes that are payable upon
the issuance of such stock certificate or certificates or new agreements shall
be paid by Trilon at the time of delivering the notice of exercise mentioned
above.

        Subject to compliance with applicable securities laws and the terms of
this Agreement, all shares of Common Stock issued upon the exercise of the
Option or the Additional Option shall be validly issued, fully paid and
nonassessable and, if the Common Stock is then listed on a national securities
exchange, or quoted on an automated quotation system, shall be duly listed or
quoted thereon.

        The Company shall not be required upon any exercise of the Option or the
Additional Option to issue a certificate representing any fraction of a share of
Common Stock, but, in lieu thereof, shall pay to Trilon cash in an amount equal
to a corresponding fraction (calculated to the nearest 1/100 of a share) of the
purchase price of one share of Common Stock as of the date of receipt by the
Company of notice of exercise of the Option or the Additional Option.

        SECTION 3. RESTRICTIONS ON EXERCISE AND TRANSFER OF OPTION AND COMMON
STOCK. The Option and the Additional Option shall be exercisable (a) only under
circumstances such that the issue of Common Stock issuable upon such exercise is
exempt from the requirements of registration under the Securities Act of 1933,
as amended (or any similar statute then in effect) (the "1933 Act") and any
applicable securities law or (b) upon registration of such Common Stock in
compliance therewith.

        SECTION 4. CERTAIN COVENANTS. The Company covenants and agrees that it
will at all times reserve and set apart and have, free from preemptive rights, a
number of shares of authorized but unissued Common Stock sufficient to enable it
at any time to fulfill all its obligations hereunder with respect to the Option
as in effect before approval of the Charter Amendment. The Company agrees to
propose to its shareholders an amendment (the "Charter Amendment") to its
certificate of incorporation to increase its authorized and unissued Common
Stock to an amount sufficient to enable it to fulfill its obligations hereunder
with respect to the Option as it is to be in effect after approval of the
Charter Amendment and the Additional Option. The Charter Amendment shall be
submitted to the Company's shareholders at the Company's next annual meeting of
shareholders or, if requested by Trilon, a special meeting called to consider
the Charter Amendment. Upon approval of the Charter Amendment, the Company
covenants and agrees that it will at all times reserve and set apart and have,
free from preemptive rights, a number of shares of authorized but unissued
Common Stock sufficient to enable it at any time to fulfill all its obligations
hereunder with respect to the Option as in effect after approval of the Charter
Amendment and the Additional Option.

        SECTION 5. REPRESENTATIONS AND WARRANTIES OF THE COMPANY. The Company
represents and warrants to Trilon as of the date hereof as follows:

                                       3
<PAGE>

               (a) Authorization of Agreements, etc. The execution and delivery
by the Company of this Agreement, the performance by the Company of its
obligations hereunder and the issuance, sale and delivery of the Option has been
duly authorized, and the Common Stock, when issued and delivered, will be duly
authorized by all requisite corporate action and will not result in any
violation of, be in conflict with, or constitute a default under, with or
without the passage of time or the giving of, notice: (a) any provision of the
Company's Articles of Incorporation, as amended, or Bylaws; (b) any provision of
any judgment, decree or order to which the Company is a party or by which it is
bound; (c) any material contract or agreement to which the Company is a party or
by which it is bound; or (d) any statute, rule or governmental regulation
applicable to the Company, except where such violation, conflict, or default
would not have a Company Material Adverse Effect. "Company Material Adverse
Effect" means any change in or effect on the business of the Company and its
Subsidiaries (as defined below) that is, or is reasonably likely to be
materially adverse to the business, operations or assets (including intangible
assets), prospects, or financial condition of the Company and its Subsidiaries,
taken as a whole.

               (b) Valid Issuance of Common Stock. The Common Stock to be issued
pursuant to the Option as in effect before approval of the Charter Amendment and
Section 1(c) of this Agreement has been, and upon approval of the Charter
Amendment the Common Stock to be issued pursuant to the Option as in effect
after approval of the Charter Amendment and the Additional Option will be, duly
authorized and reserved and, when issued, sold and delivered in accordance with
this Agreement for the consideration expressed herein will be issued, fully paid
and nonassessable with no personal liability attaching to the ownership thereof
and will be free and clear of all liens, charges and encumbrances of any nature
whatsoever except for restrictions under applicable Federal and state securities
laws.

               (c) Validity. This Agreement has been duly executed and delivered
by the Company and constitutes the legal, valid and binding obligation of the
Company, enforceable in accordance with its terms except (i) as limited by
applicable bankruptcy, insolvency, reorganization, moratorium, and other laws of
general application affecting enforcement of creditors' rights generally and
(ii) as limited by laws relating to the availability of specific performance,
injunctive relief, or other equitable remedies.

               (d) Capitalization. As of the date hereof, the authorized capital
stock of the Company consists of 50 million shares of Common Stock, no par
value, and 2 million shares of preferred stock, no par value (the "Preferred
Stock"), of which 12,953,385 shares of Common Stock are outstanding, no shares
of preferred stock are outstanding, and the only warrants, options or
convertible securities relating to the issuance by the Company of additional
shares of its Common Stock have been previously disclosed to Trilon. All of the
issued and outstanding shares of the Company's Common Stock are duly and validly
issued and outstanding and are fully paid and nonassessable.

               (e) Organization, Good Standing and Qualification. Each of the
Company and its Subsidiaries is a corporation or limited liability company duly
organized, validly existing and in good standing under the laws of its
respective jurisdiction of` organization. Each of the Company and each of its
Subsidiaries have all requisite corporate or limited liability company power and
authority to own and operate its respective properties and assets and to carry
on its

                                       4
<PAGE>

business as presently conducted. Each of the Company and each of its
Subsidiaries is qualified to do business and is in good standing as a foreign
corporation or limited liability company in each jurisdiction where the
ownership or operation of its properties or conduct of its business requires
such qualification, except where the failure to be so qualified or in such good
standing, when taken together with all other such failures, is not reasonably
likely to have a Company Material Adverse Effect or impair the ability of the
Company, or any of its Subsidiaries, to conduct any material business or
operations in any jurisdiction where they are now being conducted. "Subsidiary"
means any entity, whether incorporated or unincorporated, of which at least
fifty percent (50%) of the securities or ownership interests having by their
terms ordinary voting power to elect fifty percent (50%) of the board of
directors or other persons performing similar functions is directly or
indirectly owned or controlled by such party or by one or more of its respective
Subsidiaries or by such party and any one or more of its respective
Subsidiaries.

               (f) Company Reports, Financial Statements. The Company has made
all filings required to be made by it with the Securities and Exchange
Commission (the "Commission") since at least January 1, 2000 (collectively, the
"Company Reports"). As of their respective dates, the Company Reports complied
in all material respects with the requirements of applicable statutes and
regulations (except for certain late filings) and did not, and any Company
Reports filed with the Commission prior to an Option exercise will not contain
any untrue statement of a material fact or omit to state a material fact
required to be stated therein or necessary to make the statements made therein,
in light of the circumstances in which they were made, not misleading. Each of
the balance sheets included in or incorporated by reference into the Company
Reports (including the related notes and schedules) presents fairly, or will
present fairly, the financial position of the Company and its Subsidiaries as of
its date and each of the statements of income and of changes in financial
position included in or incorporated by reference into the Company Reports
(including any related notes and schedules) presents fairly, or will present
fairly, the results of operations, shareholders' deficit and changes in cash
flows, as the case may be, of the Company and its Subsidiaries for the periods
set forth therein (except as otherwise noted therein and subject, in the case of
unaudited financial statements, to notes and normal year-end audit adjustments
that will not be material in amount of effect), in each case in accordance with
generally accepted accounting principles consistently applied during the periods
involved, except in the case of unaudited financial statements, as permitted by
Commission Form 10-QSB, and except as may be noted therein. The stock, warrant
and option information provided by the Company and relied upon by Trilon is
reliable, complete and accurate in all material respects.

               (g) No Required Vote of Company Stockholders. Except with respect
to the Charter Amendment, this Agreement and the transactions contemplated
hereby do not require the approval of the Company stockholders.

        SECTION 6. REPRESENTATIONS AND WARRANTIES OF TRILON. Trilon represents
and warrants to the Company as of the date hereof as follows:

               (a) Authorization. The execution and delivery by Trilon of this
Agreement and the performance by Trilon of its obligations hereunder have been
duly authorized.

                                       5
<PAGE>

               (b) Validity. This Agreement has been duly executed and delivered
by Trilon and constitutes the legal, valid and binding obligation of Trilon,
enforceable in accordance with its terms except: (i) as limited by applicable
bankruptcy, insolvency, reorganization, moratorium, and other laws of general
application affecting enforcement of creditors' rights generally and (ii) as
limited by laws relating to the availability of specific performance, injunctive
relief, or other equitable remedies.

               (c) Investment Representations. Trilon (i) is an "accredited
investor" within the meaning of Rule 501 of Regulation D under the Securities
Act of 1933, as amended (the "Securities Act") and was not organized for the
specific purpose of acquiring Common Stock pursuant to this Agreement; (ii) has
sufficient knowledge and experience in investing in companies similar to the
Company in terms of the Company's stage of development so as to be able to
evaluate the risks and merits of its investment in the Company and it is able
financially to bear the risks thereof: and (iii) presently intends that the
Common Stock that may be acquired hereunder will be acquired for Trilon's own
account for the purpose of investment and not with a present view to or for sale
in connection with any distribution thereof.

               (d) Trilon acknowledges that: (i) the Common Stock issued
pursuant to this Agreement will not be registered under the Securities Act by
reason of their issuance in a transaction exempt from the registration
requirements of the Securities Act pursuant to Section 4(2) thereof or Rule 505
or 506 promulgated under the Securities Act; (ii) such Common Stock must be held
indefinitely unless a subsequent disposition thereof is registered under the
Securities Act or is exempt from such registration; (iii) such Common Stock will
bear a legend to such effect, and the Company will make a notation on its
transfer books to such effect; and (iv) the Company has made available to Trilon
all documents and information that Trilon has requested relating to an
investment in the Company.

        SECTION 7. COVENANTS REGARDING CERTAIN CORPORATE EVENTS. Until the
Option and the Additional Option have been exercised or expired, without the
prior written consent of Trilon, the Company shall not:

               (a) issue any shares of its Preferred Stock,

               (b) issue any shares of its Common Stock except pursuant to
warrants or options outstanding on the date hereof,

               (c) pay any dividend payable in stock (of any class or classes)
or in any obligations or stock convertible into or exchangeable for shares of
Common Stock, upon its Common Stock or make any distribution (other than
ordinary cash dividends) to holders of its Common Stock,

               (d) grant to holders of its Common Stock generally any rights or
option,

               (e) effect any capital reorganization or reclassification of
capital stock of the Company,

               (f) consolidate with, or merge into, any other corporation or to
transfer its property as an entirety or substantially as an entirety, or

                                       6
<PAGE>

               (g) effect the liquidation, dissolution or winding up of the
Company.

        In connection with any consent of Trilon to the foregoing, Trilon may
require adjustments to the Exercise Price in order to protect its purchase
rights with respect to the Option.

        SECTION 8. AMENDMENTS. Neither this Agreement nor any term hereof may be
changed, waived, discharged or terminated orally or in writing, provided that
any term of this Agreement may be amended or the observance of such term may be
waived (either generally or in a particular instance and either retroactively or
prospectively) with, but only with, the written consent of the Company and
Trilon.

        SECTION 9. ASSIGNMENT. This Agreement is not assignable by either party;
provided, however, that Trilon may assign its rights and obligations under this
Agreement to any of its affiliates, as defined in Rule 144 under the Securities
Act of 1933, as amended, or may designate any of such affiliates to be issued
Common Stock upon exercise of all or part of the Option.

        SECTION 10. GOVERNING LAW. This Agreement shall be governed by the laws
of the Commonwealth of Virginia without regard to its conflict of laws,
principles or rules.

        SECTION 11. NOTICES. Any notice, request, instruction or other documents
to be given hereunder by any party to the others shall be in writing and
delivered personally or sent by registered or certified mail, postage prepaid,
or by facsimile:

                      If to Trilon:

                      Ronald W. Cantwell, President
                      Trilon Dominion Partners, L.L.C.
                      Six Landmark Square
                      4th Floor, Suite 400
                      Stamford, CT  06901-2792
                      Fax:  (203) 359-5829

                      With copies to:

                      Mark P. Mikuta
                      Dominion Capital, Inc.
                      120 Tredegar Street
                      Richmond, VA  23219
                      Fax:  (804) 819-2216

                      If to the Company:

                      Mr. Kevin T. Mulvihill
                      President and Chief Executive Officer
                      Wilshire Technologies
                      5861 Edison Place

                                       7
<PAGE>

                      Carlsbad, CA  92008
                      Fax:  (760) 929-0683
                      With copies to:

                      Richard L. Seidenwurm
                      Solomon Ward Seidenwurm & Smith LLP
                      401 B Street, Suite 1200
                      San Diego, CA  92101
                      Fax:  (619) 231-4755

or to such other persons or addresses as may be designated in writing by the
party to receive such notice as provided above.

        SECTION 12. CONSENT TO JURISDICTION. Any legal action, suit or
proceeding arising out of or relating to this Agreement or the consummation of
the transactions contemplated hereby may only be instituted in any federal court
of the Eastern District of Virginia, and each party agrees not to assert, by way
of motion, as a defense or otherwise, in any such action, suit or proceeding,
any claim that it is not subject personally to the jurisdiction of such courts,
that the action, suit or proceeding if brought in such courts, would be an
inconvenient forum, that the venue of the action, suit or proceeding, if brought
in any of such courts, is improper or that this Agreement or the subject matter
hereof may not be enforced in or by such courts on jurisdictional grounds.

        IN WITNESS WHEREOF, this Agreement has been duly executed and delivered
by duly authorized officers of the parties hereto on the date first appearing
above.

                                       WILSHIRE TECHNOLOGIES, INC.

                                       By: /s/ Kevin Mulvihill
                                           -------------------------------------
                                       Name: Kevin T. Mulvihill
                                       Title: President

                                       TRILON DOMINION PARTNERS, L.L.C.

                                       By: /s/ Ronald Cantwell
                                           -------------------------------------
                                       Name:  Ronald W. Cantwell
                                       Title: President

                                       8
<PAGE>
                                     NOTICE

                   [FOR EXERCISE OF OPTION BY PAYMENT OF CASH]

        The undersigned hereby elects to exercise the [Option] [Additional
Option]: for, and to purchase thereunder, ___________ shares of the Common Stock
covered by such [Option] [Additional Option] and herewith makes payment in full
therefor of $ ______ cash and requests that certificates for such shares be
issued in the name of and delivered to _________________________ whose address
is
----------------------------.

Dated:

                                       Trilon Dominion Partners, L.L.C.

                                       -----------------------------
                                       Name:
                                              -----------------------
                                       Title:
                                              -----------------------

                                       9
<PAGE>
                                     NOTICE

  [FOR EXERCISE OF OPTION OR ADDITIONAL OPTION BY CANCELLATION OF INDEBTEDNESS]

        The undersigned hereby elects to exercise the [Option] [Additional
Option]: for, and to purchase thereunder, ___________ shares of the Common Stock
as provided in Section 1(b) and herewith makes payment in full by cancellation
of $__________ of indebtedness of the Company to Trilon and requests that
certificates for such shares be issued in the name of and delivered to
_______________________ whose address is _____________________________.

Dated:

                                       Trilon Dominion Partners, L.L.C.

                                       -----------------------------
                                       Name:
                                              -----------------------
                                       Title:
                                              -----------------------

                                       10

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