Document:

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                                                                   EXHIBIT 10.16

                        LEASE AGREEMENT WITH AT&T CORP.
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                                     LEASE
                                     -----

     THIS LEASE AGREEMENT (the "Lease") is entered into as of January 3, 2000,
between OKC REAL ESTATE INVESTMENTS, INC., a Delaware corporation ("Landlord"),
and AT&T Corp., a New York corporation ("Tenant").

     1.   Lease Grant.
          -----------

          (a) Subject to the terms of this Lease, Landlord leases to Tenant, and
     Tenant leases from Landlord, the office space depicted on Exhibit "A-1"
     (the "Existing Space") attached hereto and the office space depicted in
     Exhibit "B-1" (the "Expansion Space") attached hereto (collectively, the
     "Premises") located in the "Quail Commerce Centre" office building located
     in Oklahoma City, Oklahoma, which is described in Exhibits "C-1" (Existing
     Space only) and "C-2" (with Expansion Space) attached hereto (the
     "Building").  The term "Building" includes the related land, driveways,
     parking facilities, and similar improvements.  Landlord and Tenant agree
     that (i) the Existing Space consists of the existing approximately 25,000
     rentable square feet in the Building, and (ii) the Expansion Space consists
     of an additional approximately 78,500 rentable square feet to be added to
     the Building by Landlord in reliance on this Lease.  Landlord will
     effectuate at Landlord's sole cost and expense the expansion of the
     Building as soon as reasonably possible in accordance with the
     specifications attached hereto as Exhibit "C-3".

          (b) Within thirty (30) days after the Tenant's occupancy of the
     Expansion Space begins, Landlord or Tenant may, at their sole cost, measure
     the rentable square footage of the Premises to determine if it is in
     accordance with the BOMA ANZI-96 Standards (the "BOMA Standards").  If
     either party disputes the calculations as set forth in Section 1.(a), they
     shall promptly notify the other party. If the parties do not receive such
     notice in writing within thirty (30) days after the Tenant's occupancy of
     the Expansion Space begins, all rentable square footage amounts set forth
     herein shall be deemed approved by both Landlord and Tenant. If a notice is
     given and Landlord and Tenant cannot thereafter agree on the appropriate
     measurement within ten (10) days after the notice, then either party shall
     have the right to submit the issue to arbitration in accordance with the
     rules of the American Arbitration Association.  If it is determined that
     the actual rentable square footage measured by BOMA Standards varies from
     the rentable square footage as set forth in Section 1.(a), then the Basic
     Rent as hereinafter defined (and any other provisions of this Lease based
     upon a specific rentable square footage) shall be retroactively adjusted to
     reflect the applicable square foot figure as determined by arbitration.
     Landlord and Tenant shall pay any retroactive adjustment within twenty (20)
     days after the arbitration award.

          (c) Landlord will provide an allowance for the leasehold improvements
     to be incorporated into the Existing Space in accordance with the terms of
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     Exhibit "A-2".  Landlord will provide an allowance for the leasehold
     improvements to be incorporated into the Expansion Space in accordance with
     the terms of Exhibit "B-2".

     2.   Expansion of Building.  Landlord agrees to give Tenant periodic
          ---------------------
reports (not less than monthly) on the status of site acquisition, loan
processing and the actual expansion of the Building from and after the date
hereof.  Landlord will use its best efforts to (a) enter into a binding contract
for the acquisition of the land needed to expand the Building and provide
adequate parking, and (b) obtain an appropriate loan commitment for the
construction loan within thirty (30) days after the date of this Lease (the
"Contingency Period").  If the Landlord fails to acquire the site or obtain the
loan commitment prior to the end of the Contingency Period,  Tenant shall have
the right to terminate this Lease by giving Landlord a written termination
notice on or before the tenth (10th) day after the end of the Contingency
Period.  If the Landlord fulfills the foregoing conditions prior to the end of
the Contingency Period, or Landlord fails to fulfill the foregoing conditions
prior to the end of the Contingency Period but Tenant does not terminate this
Lease on or before the tenth (10th) day after the end of the Contingency Period,
this Lease will remain in full force and effect, and Tenant shall have no
further termination rights pursuant to this Section 2. The parties acknowledge
that the Landlord will not incur any further architectural or engineering or
other material expenses in connection with the expansion of the Building until
the Tenant's termination rights as set forth in this Section 2 have terminated.

     3.   Term.  The term of this Lease shall be one hundred twenty-five (125)
          ----
months, commencing on April 1, 2000 (the "Commencement Date"), and expiring at
5:00 p.m., on the last day of the 125th month thereafter (the "Term", which
definition shall include all renewals of the initial Term).  Notwithstanding the
foregoing, the parties acknowledge and agree that the Commencement Date will not
occur for the Expansion Space until "substantial completion" of the expansion of
the Building and the tenant improvements associated with the Expansion Space, as
contemplated by Section 1.(a) and Exhibit "B-2" hereto.  Within thirty (30) days
following the substantial completion of the Expansion Space as contemplated by
Exhibit "B-2", Landlord and Tenant will execute a document confirming the
Commencement Date for both the Existing Space and the Expansion Space, and
confirming the Expiration Date.  If the Commencement Date is not the first day
of a calendar month, then the Term shall be extended by the number of days
between the Commencement Date and the first day of the next month. If the
Premises are ready for occupancy prior to the Commencement Date, the
Commencement Date shall refer to the date of the Tenant's initial occupancy of
the Premises.  Notwithstanding the foregoing, the parties agree that Tenant will
be given access to the Premises prior to its actual occupancy to prepare the
Premises for occupancy, including installation of telephone and computer systems
and relocating its furniture, fixtures and equipment, at Tenant's risk and
expense. In exercising the foregoing rights, Tenant shall not cause any material
interference with or delay to Landlord or to any existing tenant.  Tenant's
indemnity in Paragraph 11(c) shall apply to Tenant's entry under this Paragraph
3.

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     4.    Rent.
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     (a)   Basic Rent.  "Basic Rent" (herein so called) shall be the following
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amounts for the following periods of time:

           Time Period         Rent (per RSF/Year)
           -----------         -------------------

           Months 1-35              $12.00
           Months 36-65             $12.50
           Months 66-95             $13.00
           Months 96-125            $13.50

     (b)   Payment.  Tenant shall timely pay to Landlord Basic Rent and all
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additional sums to be paid by Tenant to Landlord under this Lease (collectively,
the "Rent"), without deduction or set off, at Landlord's address provided for in
this Lease or as otherwise specified by Landlord. Basic Rent, adjusted as herein
provided, shall be payable monthly in advance, and shall be accompanied by all
applicable state and local sales or use taxes. Basic Rent shall be payable on
the first day of each month beginning on the Commencement Date.  The monthly
Basic Rent for any partial month at the beginning of the Term shall equal the
product of 1/365 of the annual Basic Rent in effect during the partial month and
the number of days in the partial month from and after the Commencement Date,
and shall be due on the Commencement Date.

     (c)   Triple Net Lease.  The Basic Rent shall be net to Landlord and all
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costs, expenses, and charges of every kind and nature relating to the Premises
(excepting only items which the Landlord specifically agrees to pay in this
Lease) which may arise or become due and payable during the term of this Lease
shall be paid by Tenant.

     5.    Delinquent Payment; Handling Charges.  All past due payments required
           ------------------------------------
of Tenant hereunder shall bear interest from the date due until paid at the rate
of eighteen percent (18%) per annum; alternatively, Landlord may charge Tenant a
fee equal to 5% of the delinquent payment to reimburse Landlord for its cost and
inconvenience incurred as a consequence of Tenant's delinquency; provided,
however, that the referenced default interest and/or late fee shall not be due
unless and until Landlord gives Tenant written notice of the delinquency and the
amount due remains unpaid seven (7) business days after such notice is given by
Landlord.  In no event, however, shall the charges permitted under this Section
5 or elsewhere in this Lease, to the extent they are considered to be interest
under law, exceed the maximum lawful rate of interest.

     6.    Security Deposit. [intentionally deleted]
           ----------------

     7.    Operating Expense Payments.  During each month of the Term, on the
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same date that Basic Rent is due, Tenant shall pay Landlord an amount equal to
1/12 of the annual cost, as estimated by Landlord on an annual basis, of
Tenant's Proportionate Share

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(hereinafter defined) of Operating Expenses for the Building. Tenant shall also
(a) pay directly all utility charges associated with the Premises (which will be
separately metered) and, (b) pay directly, and contract for, janitorial services
for the Premises. Payments thereof for any fractional calendar month shall be
prorated. The term "Operating Expenses" means all reasonable costs and expenses
incurred by Landlord with respect to the ownership, maintenance, and operation
of the Building including, but not limited to costs of: taxes and fees payable
to tax consultants and attorneys for consultation and contesting taxes;
insurance; common area utilities; association dues; snow removal; maintenance
and repair of all portions of the Building, including without limitation, paving
and parking areas, roads, roofs, alleys, and driveways, mowing, landscaping,
exterior painting, utility lines and mechanical systems; amounts paid to
contractors and subcontractors for work or services performed in connection with
any of the foregoing; charges or assessments of any association to which the
Building is subject; property management fees payable to a property manager,
including any affiliate of Landlord, or if there is no property manager, an
administration fee payable to Landlord; security services, if any; trash
collection, sweeping and removal; and additions or alterations made by Landlord
to the Building in order to comply with applicable laws or codes as amended from
time to time or that are appropriate for the continued operation of the Building
as an office building in the market area, provided that the cost of such
additions or alterations that are required to be capitalized for federal income
tax purposes shall be amortized on a straight line basis over a period equal to
the lesser of the useful life thereof for federal income tax purposes or 10
years. Operating Expenses shall not include debt service under mortgages or
ground rent under ground leases, costs of restoration to the extent of net
insurance proceeds received by Landlord with respect thereto, leasing
commissions, or the costs of renovating space for tenants, or any costs incurred
by Landlord to perform its obligations under Section 8.(e) hereof. Operating
Expenses shall be calculated in accordance with generally accepted accounting
principles.

     The Operating Expenses will be reconciled by Landlord on an annual basis.
If Tenant's total payments for any year are less than Tenant's Proportionate
Share of actual Operating Expenses for such year, Tenant shall pay the
difference to Landlord within 30 days after written notice thereof.  If the
total payments of Tenant for any year are more than Tenant's Proportionate Share
of actual Operating Expenses for such year, Landlord shall refund the difference
to Tenant within thirty (30) days after the annual reconciliation is completed.
Tenant shall have the right to review the supporting information compiled by and
relied upon by Landlord in calculating Operating Expenses and Tenant's
Proportionate Share thereof, and if Tenant, based upon a review of the
referenced information, can establish that Landlord has improperly calculated
the Operating Expenses, any errors will be promptly corrected.  For purposes of
calculating Tenant's Proportionate Share of Operating Expenses, a year shall
mean a calendar year except the first year, which shall begin on the
Commencement Date, and the last year, which shall end on the expiration of this
Lease.  Tenant's "Proportionate Share" shall be (i) fifty percent (50%) prior to
substantial completion of the Expansion Space, and (ii) 80.55% from and after
substantial completion of the Expansion Space, as reasonably adjusted by
Landlord in the

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future for any additional changes in the physical size of the Premises or the
Building. Landlord may equitably increase Tenant's Proportionate Share for any
item of expense or cost reimbursable by Tenant that relates to a repair,
replacement, or service that benefits only the Premises or only a portion of the
Building that includes the Premises or that varies with the occupancy of the
Building, provided Landlord will give Tenant written notice prior to
effectuating any such increase.

     8.   Improvements: Alterations: Repairs: Maintenance.
          -----------------------------------------------

     (a)  Improvements: Alterations.  Improvements to the Premises shall be
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installed at Tenant's expense only in accordance with plans and specifications
which have been previously submitted to and approved in writing by Landlord. No
alterations or physical additions in or to the Premises may be made without
Landlord's prior written consent, which shall not be unreasonably withheld,
delayed or qualified; however, Landlord may withhold its consent to any
alteration or addition that would affect the Building's structure or its HVAC,
plumbing, electrical, or mechanical systems. Excluding ordinary course
decorative activities associated with the interior portion of the Premises,
Tenant shall not paint or install lighting or decorations, signs, window or door
lettering, or advertising media of any type on or about the Premises without the
prior written consent of Landlord, which shall not be unreasonably withheld,
delayed or qualified; however, Landlord may withhold its consent to any such
painting or installation which would affect the appearance of the exterior of
the Building or of any common areas of the Building. All alterations, additions,
or improvements made in or upon the Premises shall, at Landlord's option, either
be removed by Tenant prior to the end of the Term (and Tenant shall repair all
damage caused thereby), or shall remain on the Premises at the end of the Term
without compensation to Tenant. All alterations, additions, and improvements
shall be constructed, maintained, and used by Tenant, at its risk and expense,
in accordance with all laws. Landlord's approval of the plans and specifications
therefor shall not be a representation by Landlord that such alterations,
additions, or improvements comply with any law. Notwithstanding anything
contained in this Section 8.(a) to the contrary, Tenant shall be entitled to
make interior improvements to the Premises without Landlord's consent so long as
(i) the improvements are not material, and will cost less than $10,000, (ii) the
improvements will not affect the Building's structure or its HVAC, plumbing,
electrical or mechanical systems, and/or fire sprinkler or life safety systems,
and (iii) Tenant gives Landlord a written description of the improvements and
appropriate evidence that any contractors, subcontractors and/or material
suppliers have been paid in full in connection with the work within thirty (30)
days after the work is completed.

     (b)  Repairs; Maintenance.  Tenant shall maintain the Premises in a clean,
          --------------------
safe, and operable condition, and shall not permit or allow to remain any waste
or damage to any portion of the Premises. Tenant shall repair or replace,
subject to Landlord's direction and supervision, any damage to the Building
caused by Tenant, Tenant's transferees, or their respective agents, contractors,
or invitees. If Tenant fails to make such repairs or

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replacements after notice of nonperformance is given to Tenant as required in
Section 17 hereof, then Landlord may make the same at Tenant's cost. If any such
damage occurs outside of the Premises, then Landlord may elect to repair such
damage at Tenant's expense, rather than having Tenant repair such damage. The
cost of all repair or replacement work performed by Landlord under this Section
8 shall be paid by Tenant to Landlord within fifteen days after Landlord has
invoiced Tenant therefor.

     (c) Performance of Work.  All work described in this Section 8 shall be
         -------------------
performed only by Landlord or by contractors and subcontractors approved in
writing by Landlord. Tenant shall cause all contractors and subcontractors to
procure and maintain insurance coverage naming Landlord as an additional insured
against such risks, in such amounts, and with such companies as Landlord may
reasonably require. All such work shall be performed in accordance with all
legal requirements and in a good and workmanlike manner so as not to damage the
Premises, the Building, or the components thereof. Except as otherwise set forth
herein, in no event shall Landlord be liable for any defects in the Premises or
for any limitation on its use.

     (d) Mechanic's Liens.  Tenant shall not permit any mechanic's liens to be
         ----------------
filed against the Premises or the Building for any work performed, materials
furnished, or obligation incurred by or at the request of Tenant. If such a lien
is filed, then Tenant shall, within ten (10) days after Landlord has delivered
notice of the filing thereof to Tenant, either pay the amount of the lien or
diligently contest such lien and deliver to Landlord a bond or other security
reasonably satisfactory to Landlord. If Tenant fails to timely take either such
action, then Landlord may pay the lien claim or bond around the lien and invoice
Tenant for the cost thereof, and any amounts so paid, including expenses and
interest, shall be paid by Tenant to Landlord within ten days after Landlord has
invoiced Tenant therefor.

     (e) Structural Integrity.  During the Term, Landlord shall perform
         --------------------
diligently, promptly and in a good and workmanlike manner in compliance with all
applicable Legal Requirements, all reasonably necessary maintenance, repairs and
replacements to the roof, roofing system, exterior walls, bearing walls, support
beams, foundations, columns, and lateral support to the Building.  If Landlord
fails to maintain the roof or roofing system and (i) such failure adversely
impacts Tenant's occupancy of the Premises, and (ii) Tenant gives Landlord
written notice of the failure, and Landlord fails to commence work on the
necessary repairs within thirty (30) days after its receipt of such notice,
Tenant shall have the right to make the repairs and recover all expenses
incurred from Landlord.  The parties specifically agree that the Landlord's
obligations shall not include any maintenance, repairs and replacements arising
out of the acts or omissions of Tenant and/or its agents, contractors, employees
and invitees (including those activities associated with Tenant's Communication
Equipment, as contemplated by Section 24.(aa) hereof, for which the Tenant shall
be responsible).

     9.  Use.  Tenant shall continuously occupy and use the Premises only for
         ---
general office use (the "Permitted Use") and shall comply with all laws, orders,
rules, and regulations relating to the use, condition, access to, and occupancy
of the Premises. The Premises shall not be used for any use which is
disreputable or creates extraordinary fire hazards.  Without the Landlord's
written consent, the Premises shall not be used for any

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use which results in an increased rate of insurance on the Building or its
contents, or for the storage of any hazardous materials or substances, provided,
however, that Landlord acknowledges that standard office and/or janitorial
supplies will be used in the ordinary course of Tenant's business.  Tenant
agrees that the quantities of the referenced materials located in the Premises
shall not exceed the amount reasonably necessary for Tenant to conduct business
in the ordinary course.  Tenant further agrees to indemnify the Landlord from
and against any and all damages and liabilities of any type incurred by the
Landlord or the Building as a result of such use by Tenant. If, because of
Tenant's acts, the rate of insurance on the Building or its contents increases,
then Tenant shall pay to Landlord the amount of such increase on demand. Tenant
shall conduct its business and control its agents, employees, and invitees in
such a manner as not to create any nuisance or unreasonably interfere with other
tenants or Landlord in its management of the Building. Tenant, at its sole
expense, shall comply with all laws (including, without limitation, any and all
environmental rules, regulations and requirements, and all laws regarding access
for handicapped or disabled persons), ordinances and regulations, and all
declarations, covenants, and restrictions, applicable to Tenant's use or
occupation of the Premises, and with all governmental orders and directives of
public officers which impose any duty or restriction with respect to the use or
occupation of the Premises.  Outside storage, including, without limitation,
storage of trucks and other vehicles, is prohibited without Landlord's prior
written consent.  No use shall be made of the Premises that would constitute the
Building as a place of public accommodation under the Americans with
Disabilities Act or similar statutes or local ordinances or any regulations
promulgated thereunder, all as may be amended from time to time (the "ADA"); and
Tenant shall cause the Premises (and, to the extent required by improvements to
the Premises, the Building) to comply with the ADA.

     10. Assignment and Subletting.
         -------------------------

     (a) Transfers; Consent.  Except as set forth in Section 10(d), Tenant shall
         ------------------
not, without the prior written consent of Landlord, which consent shall not be
unreasonably withheld or qualified, (1) assign, transfer, or encumber this Lease
or any estate or interest herein, whether directly or by operation of law, (2)
permit any other entity to become Tenant hereunder by merger, consolidation, or
other reorganization, (3) if Tenant is an entity other than a corporation whose
stock is publicly traded, permit the transfer of an ownership interest in Tenant
so as to result in a change in the current control of Tenant, (4) sublet any
portion of the Premises, (5) grant any license, concession, or other right of
occupancy of any portion of the Premises, or (6) permit the use of the Premises
by any parties other than Tenant (any of the events listed in Section 10.(a)(1)
through 10.(a)(6) being a "Transfer"). If Tenant requests Landlord's consent to
a Transfer, then Tenant shall provide Landlord with a written description of all
terms and conditions of the proposed Transfer, copies of the proposed
documentation, and the following information about the proposed transferee: name
and address; reasonably satisfactory information about its business and business
history; its proposed use of the Premises; banking, financial, and

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other credit information; and general references sufficient to enable Landlord
to determine the proposed transferee's creditworthiness and character.
Concurrently with Tenant's notice of any request for consent to a Transfer,
Tenant shall pay to Landlord a fee of $350.00 to defray Landlord's expenses in
reviewing such request, and Tenant shall also reimburse Landlord immediately
upon request for its attorneys' fees incurred in connection with considering any
request for consent to a Transfer. If Landlord consents to a proposed Transfer,
then the proposed transferee shall deliver to Landlord a written agreement
whereby it expressly assumes the Tenant's obligations hereunder; however, any
transferee of less than all of the space in the Premises shall be liable only
for obligations under this Lease that are properly allocable to the space
subject to the Transfer for the period of the Transfer. Landlord's failure to
respond within twenty (20) days after receipt of Tenant's request and the
information specified in Paragraph 10(a) shall be deemed approval of the
proposed assignment or sublease. Landlord's consent to a Transfer shall not
release Tenant from its obligations under this Lease, but rather Tenant and its
transferee shall be jointly and severally liable therefor. Landlord's consent to
any Transfer shall not waive Landlord's rights as to any subsequent Transfers.
If an Event of Default occurs while the Premises or any part thereof are subject
to a Transfer, then Landlord, in addition to its other remedies, may collect
directly from such transferee all rents becoming due to Tenant and apply such
rents against Rent. Tenant authorizes its transferees to make payments of rent
directly to Landlord upon receipt of notice from Landlord to do so.

     (b) Cancellation.  Landlord may, within 30 days after submission of
         ------------
Tenant's written request for Landlord's consent to an assignment or subletting,
cancel this Lease as to the portion of the Premises proposed to be sublet or
assigned as of the date the proposed Transfer is to be effective. If Landlord
cancels this Lease as to any portion of the Premises, then this Lease shall
cease for such portion of the Premises and Tenant shall pay to Landlord all Rent
accrued through the cancellation date relating to the portion of the Premises
covered by the proposed Transfer. Thereafter, Landlord may lease such portion of
the Premises to the prospective transferee (or to any other person) without
liability to Tenant.  The terms of this Section 10.(b) shall not apply to
requests made by Tenant for Landlord's consent during the five-year period
immediately following the Commencement Date.

     (c) Additional Compensation.  Tenant shall pay to Landlord, immediately
         -----------------------
upon receipt thereof, an amount equal to fifty percent (50%) of the excess of
(1) all compensation received by Tenant for a Transfer less the costs reasonably
incurred by Tenant with unaffiliated third parties in connection with such
Transfer (i.e., brokerage commissions, tenant finish work, and the like) over
(2) the Rent allocable to the portion of the Premises covered thereby.

     (d) Affiliates.  Notwithstanding Section 10.(a) hereof, Tenant may assign
         ----------
or sublease part or all of the Premises without Landlord's consent to: (i) any
corporation or partnership that controls, is controlled by, or is under common
control with, Tenant; or (ii)

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any corporation resulting from the merger or consolidation with Tenant or to any
entity that acquires all of Tenant's assets as a going concern of the business
that is being conducted on the Premises, as long as the assignee or sublessee is
a bona fide entity and assumes the obligations of Tenant. Any such Transfer
shall not release Tenant from its obligations under this Lease, but rather
Tenant and any such transferee shall be jointly and severally liable therefor.
Tenant shall give Landlord prompt written notice of any assignment or sublease
pursuant to this Section 10.(d).

          11.  Insurance; Waivers; Subrogation; Indemnity.
               ------------------------------------------

     (a)  Insurance.  Tenant shall maintain throughout the Term the following
          ---------
insurance policies: (1) comprehensive general liability insurance in amounts of
$1,000,000 per occurrence with $3,000,000 in the aggregate or such other amounts
as Landlord may from time to time reasonably require, insuring Tenant, Landlord,
Landlord's agents and their respective affiliates against all liability for
injury to or death of a person or persons or damage to property arising from the
use and occupancy of the Premises, (2) casualty insurance for the full
replacement cost of the Building, (3) insurance covering the full value of
Tenant's property and improvements, and other property (including property of
others) in the Premises, (4) contractual liability insurance sufficient to cover
Tenant's indemnity obligations hereunder, (5) worker's compensation insurance,
and (6) business interruption insurance. Tenant's insurance shall provide
primary coverage to Landlord when any policy issued to Landlord provides
duplicate or similar coverage, and in such circumstance Landlord's policy will
be excess over Tenant's policy. Tenant shall furnish to Landlord certificates of
such insurance and such other evidence satisfactory to Landlord of the
maintenance of all insurance required hereunder, and Tenant shall obtain a
written obligation on the part of each insurance company to notify Landlord at
least 30 days before cancellation or a material change of any such insurance
policies. All such insurance policies shall be in form, and issued by companies,
reasonably satisfactory to Landlord. The term "affiliate" shall mean any person
or entity, directly or indirectly, controlling, controlled by, or under common
control with the party in question.

     (b)  Waiver of Negligence; No Subrogation.  Landlord and Tenant each waives
          ------------------------------------
any claim it might have against the other for any injury to or death of any
person or persons or damage to or theft, destruction, loss, or loss of use of
any property (a "Loss"), to the extent the same is insured against under any
insurance policy that covers the Building, the Premises, Landlord's or Tenant's
fixtures, personal property, leasehold improvements, or business, or, in the
case of Tenant's waiver, is required to be insured against under the terms
hereof, regardless of whether the negligence of the other party caused such
loss. Each party shall cause its insurance carrier to endorse all applicable
policies waiving the carrier's rights of recovery under subrogation or otherwise
against the other party.

     (c)  Indemnity (Tenant).  Subject to Section 11.(b), Tenant shall defend,
          ------------------
indemnify, and hold harmless Landlord and its representatives and agents from
and

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against all claims, demands, liabilities, causes of action, suits, judgments,
damages, and expenses (including attorneys' fees) arising from (i) any Loss
arising from any occurrence on the Premises or (ii) Tenant's failure to perform
its obligations under this Lease, even though caused or alleged to be caused by
the negligence or fault of Landlord or its agents (other than a Loss arising
from the sole or gross negligence of Landlord or its agents), and even though
any such claim, cause of action, or suit is based upon or alleged to be based
upon the strict liability of Landlord or its agents. This indemnity is intended
to indemnify Landlord and its agents against the consequences of their own
negligence when Landlord or its agents are jointly, comparatively,
contributively, or concurrently negligent with Tenant. This indemnity provision
shall survive termination or expiration of this Lease. If any proceeding is
filed for which indemnity is required hereunder, Tenant agrees, upon request
therefor, to defend the indemnified party in such proceeding at its sole cost
utilizing counsel satisfactory to the indemnified party.

     (d) Indemnity (Landlord).  Subject to Section 11.(b), Landlord shall
         --------------------
defend, indemnify and hold harmless Tenant and its agents from and against all
claims, demands, liabilities, causes of action, suits, judgments and expenses
(including attorneys' fees) for any Loss arising from the negligent actions of
Landlord and related to the Building's common areas (other than a Loss arising
from the negligence of Tenant, its agents, contractors, employees or invitees).
This indemnity provision shall survive termination or expiration of this Lease.
If any proceeding is filed for which indemnity is required hereunder, Landlord
agrees, upon request therefor, to defend the indemnified party in such
proceeding at its sole cost utilizing counsel satisfactory to the indemnified
party.

     (e) Self-Insurance.  Tenant may "self-insure" the obligations under Section
         --------------
11.(a) hereof upon written notice to Landlord and satisfaction of the following
requirements: (i) Tenant provides Landlord with sufficient financial information
establishing to the reasonable satisfaction of Landlord and Landlord's lender
that Tenant has sufficient financial resources to pay any claims which would
otherwise be insured by this Section 11, together with a list of pending claims
and a verification of insurance in a form reasonably acceptable to Landlord, and
(ii) such "self-insurance" shall in no way limit or diminish the rights that
Landlord's insurance carriers would have under "other insurance" or similar
clauses in Landlord's insurance policies if Tenant had not satisfied its
insurance requirements with said self-insurance program.  Commencing nine (9)
months after such decision to self-insure and thereafter annually, at Landlord's
request, Tenant shall provide Landlord with updated financial information
respecting such self insurance and a current list of pending claims so that
Landlord can reasonably determine whether Tenant can continue its self-insured
status.  If Landlord reasonably determines that Tenant should no longer continue
its self-insured status, Landlord shall provide Tenant with written notice
thereof and Tenant shall within thirty (30) days after such notice procure the
insurance required under this Section 11.

                                      10
<PAGE>

     12.  Subordination Attornment: Notice to Landlord's Mortgagee.
          --------------------------------------------------------

     (a)  Subordination.  This Lease shall be subordinate to any deed of trust,
          -------------
mortgage, or other security instrument, or any ground lease, master lease, or
primary lease, that now or hereafter covers all or any part of the Premises (the
mortgagee under any such mortgage or the lessor under any such lease is referred
to herein as a "Landlord's Mortgagee"). Any Landlord's Mortgagee may elect, at
any time, unilaterally, to make this Lease superior to its mortgage, ground
lease, or other interest in the Premises by so notifying Tenant in writing.
Landlord shall obtain and deliver to Tenant from any present or future Landlord
Mortgagee, a written subordination and non-disturbance agreement acceptable to
Landlord, Tenant and any such Landlord Mortgagee providing that so long as
Tenant performs all of the terms, covenants and conditions of this Lease and
agrees to attorn to the mortgagee, beneficiary of the deed of trust, purchaser
at a foreclosure sale, prime lessor or fee owner, Tenant's rights under this
lease shall not be disturbed and shall remain in full force and effect for the
Term, and Tenant shall not be joined by the holder of any mortgage or deed of
trust in any action or proceeding to foreclose thereunder.

     (b)  Attornment.  Tenant shall attorn to any party succeeding to Landlord's
          ----------
interest in the Premises, whether by purchase, foreclosure, deed in lieu of
foreclosure, power of sale, termination of lease, or otherwise, upon such
party's request, and shall execute such agreements confirming such attornment as
such party may reasonably request.

     (c)  Notice to Landlord's Mortgagee.  Tenant shall not seek to enforce any
          ------------------------------
remedy it may have for any default on the part of the Landlord without first
giving written notice by certified mail, return receipt requested, specifying
the default in reasonable detail, to any Landlord's Mortgagee whose address has
been given to Tenant, and affording such Landlord's Mortgagee a reasonable
opportunity to perform Landlord's obligations hereunder.

     13.  Rules and Regulations.  Tenant shall comply with the rules and
          ---------------------
regulations of the Building which are attached hereto as Exhibit D. Landlord
may, from time to time, change such rules and regulations for the safety, care,
or cleanliness of the Building and related facilities, provided Tenant is given
written notice thereof, all the changes are applicable to all tenants of the
Building and the changes will not unreasonably interfere with Tenant's use of
the Premises. Tenant shall be responsible for the compliance with such rules and
regulations by its employees, agents, and invitees.

                                      11
<PAGE>

     14.  Condemnation.
          ------------

     (a)  Total Taking - Tenant's Rights. If the entire Building or Premises are
          ------------------------------
taken by right of eminent domain or conveyed in lieu thereof (a "Taking"), this
Lease shall terminate as of the date of the Taking.

     (b)  Partial Taking - Tenant's Rights.  If any part of the Building becomes
          --------------------------------
subject to a Taking and such Taking will prevent Tenant from conducting its
business in the Premises in a manner reasonably comparable to that conducted
immediately before such Taking for a period of more than 150 days, then Tenant
may terminate this Lease as of the date of such Taking by giving written notice
to Landlord within 30 days after the Taking, and Rent shall be apportioned as of
the date of such Taking. If Tenant does not terminate this Lease, then Rent
shall be abated on a reasonable basis as to that portion of the Premises
rendered untenantable by the Taking.

     (c)  Partial Taking - Landlord's Rights.  If any material portion, but less
          ----------------------------------
than all, of the Building becomes subject to a Taking, or if Landlord is
required to pay any of the proceeds received for a Taking to a Landlord's
Mortgagee, then Landlord may terminate this Lease by delivering written notice
thereof to Tenant within 30 days after such Taking, and Rent shall be
apportioned as of the date of such Taking. If Landlord does not so terminate
this Lease, then this Lease will continue, but if any portion of the Premises
has been taken, Rent shall abate as provided in the last sentence of Section
14.(b).

     (d)  Award. If any Taking occurs, then Landlord shall receive the entire
          -----
award or other compensation for the land on which the Building is situated, the
Building, and other improvements taken, and Tenant may separately pursue a claim
(to the extent it will not reduce Landlord's award) against the condemnor for
the value of Tenant's personal property which Tenant is entitled to remove under
this Lease, moving costs, loss of business, and other claims it may have.

     15.  Fire or Other Casualty.
          ----------------------

     (a)  Repair Estimate.  If the Premises or the Building are damaged by fire
          ---------------
or other casualty (a "Casualty"), Landlord shall, within sixty (60) days after
such Casualty, deliver to Tenant a good faith estimate (the "Damage Notice") of
the time needed to repair the damage caused by such Casualty.

     (b)  Landlord's and Tenant's Rights.  If a material portion of the Premises
          ------------------------------
or the Building is damaged by Casualty such that Tenant is prevented from
conducting its business in the Premises in a manner reasonably comparable to
that conducted immediately before such Casualty and Landlord estimates that the
damage caused thereby cannot be repaired within two hundred ten (210) days after
the Casualty, then Tenant may terminate this Lease by delivering written notice
to Landlord of its election to terminate

                                      12
<PAGE>

within 30 days after the Damage Notice has been delivered to Tenant. If Tenant
does not so timely terminate this Lease, then (subject to Section 15.(c))
Landlord shall repair the Building or the Premises, as the case may be, as
provided below, and Rent for the portion of the Premises rendered untenantable
by the damage shall be abated on a reasonable basis from the date of damage
until the completion of the repair, unless the gross negligence or willful
misconduct of the Tenant caused such damage, in which case, Tenant shall
continue to pay Rent without abatement.

     (c)  Landlord's Rights.  If a Casualty damages a material portion of the
          -----------------
Building, and Landlord makes a good faith determination that restoring the
Premises would be uneconomical, or if Landlord is required to pay any insurance
proceeds arising out of the Casualty to a Landlord's Mortgagee, then Landlord
may terminate this Lease by giving written notice of its election to terminate
within 30 days after the Damage Notice has been delivered to Tenant, and Rent
shall be abated as of the date of the Casualty.

     (d)  Repair Obligation.  If neither party elects to terminate this Lease
          -----------------
following a Casualty, then Landlord shall, within a reasonable time after such
Casualty, begin to repair the Building and the Premises and shall proceed with
reasonable diligence to restore the Building and Premises to substantially the
same condition as they existed immediately before such Casualty; however,
Landlord shall not be required to repair or replace any of the furniture,
equipment, fixtures, and other improvements which may have been placed by, or at
the request of, Tenant or other occupants in the Building or the Premises, and
Landlord's obligation to repair or restore the Building or Premises shall be
limited to the extent of the insurance proceeds actually received by Landlord
for the Casualty in question.

     16.  Taxes. Tenant shall be liable for all taxes levied or assessed against
          -----
personal property, furniture, or fixtures placed by Tenant in the Premises. If
any taxes for which Tenant is liable are levied or assessed against Landlord or
Landlord's property and Landlord elects to pay the same, or if the assessed
value of Landlord's property is increased by inclusion of such personal
property, furniture or fixtures and Landlord elects to pay the taxes based on
such increase, then Tenant shall pay to Landlord, upon demand, the part of such
taxes for which Tenant is primarily liable hereunder; however, Landlord shall
not pay such amount if Tenant notifies Landlord that it will contest the
validity or amount of such taxes before Landlord makes such payment, and
thereafter diligently proceeds with such contest in accordance with law and if
the non-payment thereof does not pose a threat of loss or seizure of the
Building or interest of Landlord therein.

                                      13
<PAGE>

     17.  Events of Default.  Each of the following occurrences shall be an
          -----------------
"Event of Default":

     (a)  Tenant's failure to pay Rent on or before the applicable due date and
on or before the 10th day after Landlord has delivered written notice to Tenant
that the same is past due;

     (b)  Tenant's failure to perform, comply with, or observe any other
agreement or obligation of Tenant under this Lease and the continuance of such
failure for a period of more than 30 days after Landlord has delivered to Tenant
written notice thereof, provided that if the default is of such a nature that it
may not be reasonably cured within 30 days, then no Event of Default shall occur
hereunder if Tenant commences curing within such 30-day period and thereafter
diligently and continuously pursues such cure to completion within a period of
not more than 90 days after the delivery of such notice; and

     (c)  The filing of a petition by or against Tenant (the term "Tenant" shall
include, for the purpose of this Section 17.(c), any guarantor of the Tenant's
obligations hereunder) (1) in any bankruptcy or other insolvency proceeding; (2)
seeking any relief under any state or federal debtor relief law; or (3) for the
appointment of a liquidator or receiver for all or substantially all of Tenant's
property or for Tenant's interest in this Lease; however, if such a petition is
filed against Tenant, then such filing shall not be an Event of Default unless
Tenant fails to have the proceedings initiated by such petition dismissed within
90 days after the filing thereof.

     18.  Remedies.  Upon any Event of Default, Landlord may, in addition to all
          --------
other rights and remedies afforded Landlord hereunder or by law or equity, take
any of the following actions:

     (a)  Terminate this Lease by giving Tenant written notice thereof, in which
event Tenant shall pay to Landlord the sum of (1) all Rent accrued hereunder
through the date of termination, (2) all amounts due under Section 19.(a), and
(3) an amount equal to (A) the total Rent that Tenant would have been required
to pay for the remainder of the Term discounted to present value at a per annum
rate equal to the "Prime Rate" as published on the date this Lease is terminated
by The Wall Street Journal, Southwest Edition, in its listing of "Money Rates"
minus one percent, times (B) 75%;

     (b)  Terminate Tenant's right to possess the Premises without terminating
this Lease by giving written notice thereof to Tenant, in which event Tenant
shall pay to Landlord (1) all Rent and other amounts accrued hereunder to the
date of termination of possession, (2) all amounts due from time to time under
Section 19.(a), and (3) all Rent and other net sums required hereunder to be
paid by Tenant during the remainder of the Term, diminished by any net sums
thereafter received by Landlord through reletting the Premises during such
period, after deducting all costs incurred by Landlord in reletting the

                                      14
<PAGE>

Premises. Landlord shall use reasonable efforts to relet the Premises on such
terms as Landlord in its sole discretion may determine (including a term
different from the Term, rental concessions, and alterations to, and improvement
of, the Premises); however, Landlord shall not be obligated to relet the
Premises before leasing other portions of the Building. Landlord shall not be
liable for, nor shall Tenant's obligations hereunder be diminished because of,
Landlord's failure to relet the Premises or to collect rent due for such
reletting. Tenant shall not be entitled to the excess of any consideration
obtained by reletting over the Rent due hereunder. Reentry by Landlord in the
Premises shall not affect Tenant's obligations hereunder for the unexpired Term;
rather, Landlord may, from time to time, bring an action against Tenant to
collect amounts due by Tenant, without the necessity of Landlord's waiting until
the expiration of the Term. Unless Landlord delivers written notice to Tenant
expressly stating that it has elected to terminate this Lease, all actions taken
by Landlord to dispossess or exclude Tenant from the Premises shall be deemed to
be taken under this Section 18.(b). If Landlord elects to proceed under this
Section 18.(b), it may at any time elect to terminate this Lease under Section
18.(a).

     19.  Payment by Tenant: Non-Waiver.
          -----------------------------

     (a)  Payment by Tenant.  Upon any Event of Default, Tenant shall pay to
          -----------------
Landlord all costs incurred by Landlord (including court costs and reasonable
attorneys' fees and expenses) in (1) obtaining possession of the Premises, (2)
removing and storing Tenant's or any other occupant's property, (3) repairing,
restoring, altering, remodeling, or otherwise putting the Premises into
condition acceptable to a new tenant, (4) if Tenant is dispossessed of the
Premises and this Lease is not terminated, reletting all or any part of the
Premises (including brokerage commissions, cost of tenant finish work, and other
costs incidental to such reletting), (5) performing Tenant's obligations which
Tenant failed to perform, and (6) enforcing, or advising Landlord of, its
rights, remedies, and recourses arising out of the Event of Default. To the full
extent permitted by law, Landlord and Tenant agree the federal and state courts
of Oklahoma shall have exclusive jurisdiction over any matter relating to or
arising from this Lease and the parties' rights and obligations under this
Lease.

     (b)  No Waiver. Landlord's acceptance of Rent following an Event of Default
          ---------
shall not waive Landlord's rights regarding such Event of Default. No waiver by
Landlord of any violation or breach of any of the terms contained herein shall
waive Landlord's rights regarding any future violation of such term. Landlord's
acceptance of any partial payment of Rent shall not waive Landlord's rights with
regard to the remaining portion of the Rent that is due, regardless of any
endorsement or other statement on any instrument delivered in payment of Rent or
any writing delivered in connection therewith; accordingly, Landlord's
acceptance of a partial payment of rent shall not constitute an accord and
satisfaction of the full amount of the Rent that is due.

     20.  Landlord's Lien. [intentionally deleted]
          ---------------

                                      15
<PAGE>

     21.  Surrender of Premises.  No act by Landlord shall be deemed an
          ---------------------
acceptance of a surrender of the Premises, and no agreement to accept a
surrender of the Premises shall be valid unless it is in writing and signed by
Landlord. At the expiration or termination of this Lease, Tenant shall deliver
to Landlord the Premises with all improvements located therein in good repair
and condition, broom-clean, reasonable wear and tear (and condemnation and
Casualty damage not caused by Tenant, as to which Sections 14 and 15 shall
control) excepted, and shall deliver to Landlord all keys to the Premises.
Provided that Tenant has performed all of its obligations hereunder, Tenant may
remove all unattached trade fixtures, furniture, and personal property placed in
the Premises by Tenant, and shall remove such alterations, additions,
improvements, trade fixtures, personal property, equipment, wiring, and
furniture as Landlord may request. Tenant shall repair all damage caused by such
removal. All items not so removed shall be deemed to have been abandoned by
Tenant and may be appropriated, sold, stored, destroyed, or otherwise disposed
of by Landlord without notice to Tenant and without any obligation to account
for such items. The provisions of this Section 21 shall survive the end of the
Term.

     22.  Holding Over.  If Tenant fails to vacate the Premises at the end of
          ------------
the Term, then Tenant shall be a tenant at will and, in addition to all other
damages and remedies to which Landlord may be entitled for such holding over,
Tenant shall pay, in addition to the other Rent, a daily Basic Rent equal to the
greater of (A) 150% of the daily Basic Rent payable during the last month of the
Term, or (B) 125% of the prevailing rental rate in the Building for similar
space.

     23.  Certain Rights Reserved by Landlord.  Provided that the exercise of
          -----------------------------------
such rights does not unreasonably interfere with Tenant's occupancy of the
Premises, Landlord shall have the following rights:

     (a)  To decorate and to make inspections, repairs, alterations, additions,
changes, or improvements, whether structural or otherwise, in and about the
Building, or any part thereof; to enter upon the Premises and, during the
continuance of any such work, to temporarily close doors, entryways, public
space, and corridors in the Building; to interrupt or temporarily suspend
Building services and facilities; to change the name of the Building subject to
Tenant's rights as described in Section 24(t) hereof; and to change the
arrangement and location of entrances or passageways, doors, and doorways,
corridors, elevators, stairs, restrooms, or other public parts of the Building;

     (b)  To take such reasonable measures as Landlord deems advisable for the
security of the Building and its occupants; evacuating the Building for cause,
suspected cause, or for drill purposes; temporarily denying access to the
Building; and closing the Building after normal business hours and on Sundays
and holidays, subject, however, to Tenant's right to enter when the Building is
closed after normal business hours under such reasonable regulations as Landlord
may prescribe from time to time; and

                                      16
<PAGE>

     (c)  To enter the Premises at reasonable hours with reasonable advance
notice to the Tenant to show the Premises to prospective purchasers, lenders,
or, during the last 12 months of the Term, tenants.

     24.  Miscellaneous.
          -------------

     (a)  Landlord Transfer.  Landlord may transfer any portion of the Building
          -----------------
and any of its rights under this Lease. If Landlord assigns its rights under
this Lease, then Landlord shall thereby be released from any further obligations
hereunder, provided that the assignee assumes Landlord's obligations hereunder
in writing.

     (b)  Landlord's Liability.  The liability of Landlord to Tenant for any
          --------------------
default by Landlord under the terms of this Lease shall be recoverable only from
the interest of Landlord in the Building, and Landlord shall not be personally
liable for any deficiency. This Section shall not limit any remedies which
Tenant may have for Landlord's defaults which do not involve the personal
liability of Landlord.

     (c)  Force Majeure.  Other than for Tenant's obligations under this Lease
          -------------
that can be performed by the payment of money (e.g., payment of Rent and
maintenance of insurance), whenever a period of time is herein prescribed for
action to be taken by either party hereto, such party shall not be liable or
responsible for, and there shall be excluded from the computation of any such
period of time, any delays due to strikes, riots, acts of God, shortages of
labor or materials, war, governmental laws, regulations, or restrictions, or any
other causes of any kind whatsoever which are beyond the control of such party.

     (d)  Brokerage.  Neither Landlord nor Tenant has dealt with any broker or
          ---------
agent in connection with the negotiation or execution of this Lease, other than
TC Oklahoma City, Inc. and Grubb & Ellis/Beffort, Brooks & Malherbe, whose
commission shall be paid by Landlord. Tenant and Landlord shall each indemnify
the other against all costs, expenses, attorneys' fees, and other liability for
commissions or other compensation claimed by any other broker or agent claiming
the same by, through, or under the indemnifying party.

     (e)  Estoppel Certificates.  From time to time, Tenant shall furnish to any
          ---------------------
party designated by Landlord, within twenty (20) days after Landlord has made a
written request therefor, a certificate signed by Tenant confirming and
containing such factual certifications and representations as to this Lease as
Landlord may reasonably request. From time to time, Landlord shall furnish to
any party designated by Tenant, within twenty (20) days after Tenant has made a
written request therefor, a certificate signed by Landlord confirming and
containing such factual certifications and representations as to this Lease as
Tenant may reasonably request.

     (f)  Notices. All notices and other communications given pursuant to this
          -------
Lease shall be in writing and shall be (1) mailed by first class, United States
Mail, postage

                                      17
<PAGE>

prepaid, certified, with return receipt requested, and addressed to the parties
hereto at the address specified next to their signature block, (2) hand
delivered to the intended address, or (3) sent by overnight delivery through a
reputable courier service. All notices shall be effective upon delivery to the
address of the addressee. The parties hereto may change their addresses by
giving notice thereof to the other in conformity with this provision.

     (g)  Severability.  If any clause or provision of this Lease is illegal,
          ------------
invalid, or unenforceable under present or future laws, then the remainder of
this Lease shall not be affected thereby and in lieu of such clause or
provision, there shall be added as a part of this Lease a clause or provision as
similar in terms to such illegal, invalid, or unenforceable clause or provision
as may be possible and be legal, valid, and enforceable.

     (h)  Amendments and Binding Effect. This Lease may not be amended except by
          -----------------------------
instrument in writing signed by Landlord and Tenant. No provision of this Lease
shall be deemed to have been waived by Landlord unless such waiver is in writing
signed by Landlord, and no custom or practice which may evolve between the
parties in the administration of the terms hereof shall waive or diminish the
right of Landlord to insist upon the performance by Tenant in strict accordance
with the terms hereof. The terms and conditions contained in this Lease shall
inure to the benefit of and be binding upon the parties hereto, and upon their
respective successors in interest and legal representatives, except as otherwise
herein expressly provided. This Lease is for the sole benefit of Landlord and
Tenant, and, other than Landlord's Mortgagee, no third party shall be deemed a
third party beneficiary hereof.

     (i)  Quiet Enjoyment.  Provided Tenant has performed all of its obligations
          ---------------
hereunder, Tenant shall peaceably and quietly hold and enjoy the Premises for
the Term, without hindrance from Landlord or any party claiming by, through, or
under Landlord, but not otherwise, subject to the terms and conditions of this
Lease.

     (j)  No Merger.  There shall be no merger of the leasehold estate hereby
          ---------
created with the fee estate in the Premises or any part thereof if the same
person acquires or holds, directly or indirectly, this Lease or any interest in
this Lease and the fee estate in the leasehold Premises or any interest in such
fee estate.

     (k)  No Offer.  The submission of this Lease to Tenant shall not be
          --------
construed as an offer, and Tenant shall not have any rights under this Lease
unless Landlord executes a copy of this Lease and delivers it to Tenant.

     (l)  Entire Agreement.  This Lease constitutes the entire agreement between
          ----------------
Landlord and Tenant regarding the subject matter hereof and supersedes all oral
statements and prior writings relating thereto. Except for those set forth in
this Lease, no representations, warranties, or agreements have been made by
Landlord or Tenant to the

                                      18
<PAGE>

other with respect to this Lease or the obligations of Landlord or Tenant in
connection therewith.

     (m)  Waiver of Jury Trial. To the maximum extent permitted by law, Landlord
          --------------------
and Tenant each waive right to trial by jury in any litigation arising out of or
with respect to this Lease.

     (n)  Governing Law.  This Lease shall be governed by and construed in
          -------------
accordance with the laws of the State in which the Premises are located.

     (o)  Joint and Several Liability.  If Tenant is comprised of more than one
          ---------------------------
party, each such party shall be jointly and severally liable for Tenant's
obligations under this Lease.

     (p)  Financial Reports. [intentionally deleted]
          -----------------

     (q)  Landlord's Fees.  Whenever Tenant requests Landlord to take any action
          ---------------
or give any consent required or permitted under this Lease, Tenant will
reimburse Landlord for Landlord's reasonable out-of-pocket costs (not to exceed
$1,000 per request) incurred in reviewing the proposed action or consent,
including without limitation reasonable attorneys', engineers' or architects'
fees, within 10 days after Landlord's delivery to Tenant of a statement of such
costs. Tenant will be obligated to make such reimbursement without regard to
whether Landlord consents to any such proposed action.

     (r)  List of Exhibits.  All exhibits and attachments attached hereto are
          ----------------
incorporated herein by this reference.

     Exhibit A-1   -   Outline of Premises - Existing Space
     Exhibit A-2   -   Allowance - Existing Space
     Exhibit B-1   -   Outline of Premises - Expansion Space
     Exhibit B-2   -   Allowance - Expansion Space
     Exhibit C-1   -   Description of Building and Site - Existing Space Only
     Exhibit C-2   -   Description of Building and Site - with Expansion Space
     Exhibit C-3   -   Specifications for Expansion
     Exhibit D     -   Building Rules and Regulations
     Exhibit E     -   Renewal Option
     Exhibit F     -   Right of First Offer

     (s)  Contingencies.  Landlord shall have the right to cancel this Lease if
          -------------
(1) Landlord is unable to acquire the adjacent site needed to expand the
Building on terms acceptable to it, or (2) the Building is not approved as
required by the restrictive covenants encumbering the site, (3) Landlord is
unable to obtain financing for the expansion of the Building on terms acceptable
to it, or (4) Jordan Associates, Inc. exercises its "right of first

                                      19
<PAGE>

offer" with respect to the Existing Space or objects to the expansion of the
Building. If the Lease is terminated pursuant to this Section 24(s), the parties
will have no further rights or obligations hereunder. Landlord will give Tenant
written notice as soon as the referenced contingencies are satisfied, which the
parties anticipate will be on or before January 31, 2000.

     (t)  Tenant Signage.  Tenant shall have the right to design and install a
          --------------
monument sign an up to two (2) signs on the face of the Building, at locations
mutually agreed upon by Landlord and Tenant. The location of such signage, and
all design and other specifications associated with such signage, shall be
subject to Landlord's prior written approval and subject to approval by the
Quail Springs Office Association. Tenant will not install any signage until the
location and design have been approved in writing by the Landlord. All costs
associated with such signage shall be paid by Tenant. Any and all other signage
requested by Tenant will be subject to Landlord's advance written approval,
which approval shall not be unreasonably withheld, delayed or qualified.

     (u)  Non-Binding Mediation
          ---------------------

          (i)  If a dispute arises out of or relates to this Agreement, or its
     breach, and the parties have not been successful in resolving such dispute
     through negotiation, the parties agree to attempt to resolve the dispute
     through non-binding mediation by submitting the dispute to a sole mediator
     selected by the parties or, at the option of a party, to mediation by the
     American Arbitration Association ("AAA"). If such dispute is not resolved
     by such non-binding mediation, the parties shall have the right to resort
     to any remedies permitted by law. All defenses based on passage of time
     shall be tolled during the mediation.

          (ii) The direct expenses of the mediation, including the compensation
     and expenses of the mediator and the fees of the AAA, shall be borne
     equally by the parties. All other costs incurred by the parties to this
     Agreement, including the parties' legal expenses and their witness'
     expenses, shall be borne by the party incurring the expense. The parties,
     their representatives, other participants and the mediator shall hold the
     existence, content and result of the mediation in confidence.

     (v)  Recordable Memorandum.  Landlord and Tenant agree not to record this
          ---------------------
Lease, but each party agrees upon request by the other, to execute a memorandum
of this Lease in recordable form and in compliance with applicable law.

     (w)  Mutual Representation of Authority.
          ----------------------------------

          (i)  Landlord and Tenant represent and warrant to each other that they
     have full right, power and authority to enter into this Lease without the
     consent or

                                      20
<PAGE>

     approval of any other entity or person and each party makes these
     representations knowing that the other party will rely thereon.

          (ii) The signatories on behalf of Landlord and Tenant further
     represent and warrant that each has full right, power and authority to act
     for and on behalf of Landlord and Tenant in entering into this Lease.

     (x)  Confidentiality.  Landlord shall not make nor shall authorize any
          ---------------
broker to make any public announcement or press release concerning this
transaction unless they received Tenant's written consent, which will not be
unreasonably withheld or delayed.

     (y)  Parking Facilities.  Tenant, its employees, agents, customers and
          ------------------
visitors shall have the right to use the following parking facilities at the
Building: 6.5 spaces for each 1,000 rentable square feet occupied. Landlord
shall include within the foregoing 20 spaces which are exclusively reserved for
Tenant's use. All parking shall be provided at no additional cost to Tenant
during the Term. The Tenant's parking rights shall be subject to, and will not
adversely impact, the parking rights of the existing tenant of the Building.

     (z)  Common Areas and Access.  Tenant shall have full and unimpaired access
          -----------------------
to the Building and the Premises at all times, and if access to a public road is
via private roads or streets, Tenant shall have the right to use such roads and
streets for ingress and egress to the Building and the Premises.

     (aa) Communication Equipment.  Permission is granted, free of rental
          -----------------------
charge, for the Tenant to install certain communication equipment (which
equipment list is subject to Landlord's review and written consent prior to
installation, and is referred to as the "Communication Equipment"), at Tenant's
sole cost and expense, subject to the following restrictions:

          (i)  The location and means of securing the Communication Equipment
     must be approved by Landlord or its designated agent, which shall not be
     unreasonably withheld, delayed or qualified. Tenant shall be responsible
     for any damage to the Building roof or structure or any surrounding
     property resulting from the installation or operation of the Communication
     Equipment, including, but not limited to, damage resulting from wind, ice,
     or any other causes, but excluding damage resulting from the gross
     negligence or willful misconduct of Landlord. The Communication Equipment
     shall not damage the Building, the structure or the system of communication
     devised by any other use authorized by Landlord or users at neighboring
     properties. If such damage or interference shall occur, Tenant shall
     correct same promptly.

          (ii) Tenant agrees to maintain the Communication Equipment in a proper
     and safe operating condition.

                                      21
<PAGE>

          (iii)  Tenant shall comply with all codes, rules, regulations and
     conditions of any applicable governmental agency and shall pay for all
     legal, engineering and other expenses incident thereto. Prior to
     installation, Tenant shall provide Landlord with a copy of all required
     permits, licenses, or evidence of authority to operate from this location,
     and shall take appropriate actions to ensure that the installation will not
     adversely impact Landlord's warranties or similar rights associated with
     the roof of the Building.

          (iv)   Installation of the Communication Equipment shall be performed,
     at Tenant's sole cost and expense, in a responsible and workmanlike manner
     by personnel with all necessary skill and expertise through or under the
     supervision of Landlord.

          (v)    Tenant shall be responsible for any costs associated with
     furnishing electricity for the Communication Equipment.

          (vi)   Tenant shall remove the Communication Equipment and restore the
     roof and structure to its original condition (subject to ordinary wear and
     tear that is not caused by Tenant's activities) at the earlier of Tenant's
     cessation of use of the Communication Equipment or the expiration of the
     term of this Lease, or any renewal term thereof, at Tenant's sole cost and
     expense. The Communication Equipment shall, at all times, remain the
     property of Tenant and Tenant shall have the right to remove it at any
     time, subject to the terms and conditions herein.

          (vii)  Tenant shall be responsible for implementing appropriate
     screening as reasonably required by Landlord.

          (viii) Tenant agrees to indemnify, defend and hold Landlord harmless
     from any claim resulting from property damage or personal injury arising in
     connection with the installation, maintenance, existence or removal of the
     Communication Equipment and shall carry insurance (or shall be self-insured
     as permitted under this Lease) to cover such liability and property
     damages. The foregoing indemnity shall expressly include any and all losses
     or damages suffered by Landlord under its existing contractual rights and
     warranties associated with the Building (including the warranty on the roof
     of the Building) as a direct or indirect result of the installation,
     maintenance, existence or removal of the Communication Equipment.

     (bb) Counterparts.  This Lease may be executed in one or more counterparts
          ------------
each one of which shall be deemed an original.

     (cc) Attorneys' Fees.  In the event either party institutes legal
          ---------------
proceedings against the other for breach of or interpretation of any of the
terms, conditions or covenants of this

                                      22
<PAGE>

Lease, the party against whom a judgment is entered shall pay all reasonable
costs and expenses relative thereto, including reasonable attorneys' fees of the
prevailing party.

     (dd) Fiber Optic Capability.  Provided Tenant is not otherwise in default
          ----------------------
under the Lease, and subject to Landlord's approval of all applicable plans,
specifications and/or other issues associated therewith and Tenant's ability to
satisfy any applicable building code requirements or other regulations and/or
requirements (and provided further that Landlord shall not incur any costs in
connection therewith unless the same are reimbursed by Tenant), Landlord and
Tenant will cooperate as necessary to allow Tenant to acquire fiber optic
capability in connection with its occupancy of the Premises. The parties
specifically agree that Tenant will immediately pay any and all costs incurred
by either Landlord or Tenant in connection with the additional rights requested
by Tenant and described in this Section 24.(dd). Tenant will also enter into any
supplemental documents or agreements reasonably requested by Landlord in
connection therewith. Tenant shall retain ownership of all fiber optic equipment
it installs, and shall have the right to remove the fiber optic equipment that
it installs at any time prior to the end of the Term. If Tenant removes the
equipment, Tenant will also, prior to the end of the Term, restore the condition
of the Building to the condition that existed prior to its installation of such
equipment, subject to ordinary wear and tear that is not caused by Tenant's
activities. Landlord will also have the right, at its option within a reasonable
period of time following the termination of the Lease, to cause Tenant to remove
such items and restore the condition of the Building to the condition that
existed prior to such activities, all at Tenant's cost. If Tenant does not
choose to remove the equipment prior to the end of the Term and Landlord does
not exercise its right to cause Tenant to remove such items, all such items
shall remain as a part of the Building and Tenant shall have no further rights
thereto.

     (ee) Generator.  Tenant may install, operate, and maintain one generator
          ---------
reasonably necessary for Tenant's business operations in the Premises for
emergency back-up purposes (the "Generator", which defined term shall also refer
to all related equipment) at a location on the Building grounds acceptable to
Landlord, provided that the installation, maintenance, use, and operation
thereof complies with all Laws and architectural guidelines in effect for the
area in which the Building is located as they may be amended from time to time
(the "Legal Requirements"), and Tenant receives all approvals, consents, and
permits required under the Legal Requirements before the installation,
maintenance, use, and operation thereof. Before beginning the installation of
the Generator, Tenant shall deliver to Landlord final plans and specifications
therefor prepared by an engineer reasonably approved by Landlord and setting
forth in detail the design, location, size, and method of installation
(including, without limitation, separation walls and ventilation system designed
to eliminate any significant odors) for Landlord's review and approval, together
with evidence reasonably satisfactory to Landlord that all Legal Requirements
have been satisfied. Landlord's approval of any such plans and specifications
shall not constitute a representation or warranty by Landlord that such plans
and specifications comply with the Legal Requirements. Such compliance shall be
the sole

                                      23
<PAGE>

responsibility of Tenant. The Generator shall be installed and screened in a
manner acceptable to Landlord, and no underground storage tanks may be installed
or used in connection therewith. Additionally, the generator model, size and
weight shall be subject in all respects to Landlord's prior written approval,
not to be unreasonably withheld. Upon approval of the plans and specifications
therefor and the size and location thereof, Tenant may install the Generator
provided that such work is coordinated with Landlord and is performed in a good
and workmanlike manner, in accordance with all Legal Requirements and the plans
and specifications therefor and in a manner so as not to damage the Building or
materially interfere with the use of any portion of the Building while such
installation is taking place; thereafter, Tenant shall use, maintain, and
operate the Generator in a good, clean, and safe condition and in accordance
with all Legal Requirements. Tenant shall be entitled to test the Generator on a
weekly basis, provided such testing shall be conducted at such times and in such
a manner to ensure that the ordinary course operations of the other tenant in
the Building are not disturbed. Except as otherwise provided herein, the
Generator shall at all times remain the property of Tenant. Tenant shall have
the right to remove the generator within sixty (60) days after the Lease
terminates. Tenant shall repair all damage caused by the installation, use,
maintenance, operation, or removal of the Generator and, upon its removal,
restore the portion of the Building grounds where it was located to its
condition immediately before the installation thereof. If Tenant fails to remove
the generator within said 60-day period, Landlord may perform such work and
Tenant shall pay to Landlord all reasonable costs incurred in connection
therewith or Landlord may deem the Generator abandoned by Tenant and use such
Generator without compensation to Tenant. Tenant shall properly fuel and
immediately remove from the area surrounding the Generator any spills or other
leaks of fluid from the Generator. Additionally, Tenant shall ensure that the
Generator is properly exhausted at all times so no significant odors emanate
therefrom. The Generator shall be installed, used, maintained, operated, and
removed at Tenant's risk and expense and Tenant shall maintain insurance in
respect thereof reasonably satisfactory to Landlord, listing Landlord and the
Building manager, as additional insureds. It is the intention of the parties
that Tenant bear all risks relating to the installation, use, maintenance,
operation, and removal of the Generator; therefore, Tenant shall defend,
indemnify, and hold harmless Landlord, its agents, and their respective
affiliates from all losses, claims, costs, and liabilities arising in connection
with or relating to the installation, maintenance, use, operation, and removal
of the Generator, even though caused or alleged to be caused by the negligence
or fault of the Landlord (other than its sole or gross negligence).

               [the rest of this page intentionally left blank]

                                      24
<PAGE>

LANDLORD AND TENANT EXPRESSLY DISCLAIM ANY IMPLIED WARRANTY THAT THE PREMISES
ARE SUITABLE FOR TENANT'S INTENDED COMMERCIAL PURPOSE, AND TENANT'S OBLIGATION
TO PAY RENT HEREUNDER IS NOT DEPENDENT UPON THE CONDITION OF THE PREMISES OR THE
PERFORMANCE BY LANDLORD OF ITS OBLIGATIONS HEREUNDER, AND, EXCEPT AS OTHERWISE
EXPRESSLY PROVIDED HEREIN, TENANT SHALL CONTINUE TO PAY THE RENT, WITHOUT
ABATEMENT, SETOFF OR DEDUCTION, NOTWITHSTANDING ANY BREACH BY LANDLORD OF ITS
DUTIES OR OBLIGATIONS HEREUNDER, WHETHER EXPRESS OR IMPLIED.

     Dated as of the date first above written.

TENANT:

                                                Address:
AT&T CORP.                                      -------
                                                150 Mt. Airy Road
                                                Basking Ridge, New Jersey 07920

By:  /s/  Charles B. Alexander
     ------------------------------
     Name:  Charles B. Alexander
     Title: Asset Manager

LANDLORD:
                                                Address:
                                                -------
OKC REAL ESTATE INVESTMENTS, INC.               1601 N.W. Expressway, Suite 1200
                                                Oklahoma City, Oklahoma 73118

By:  /s/ Jeffrey L. Hardy
     ------------------------------
     Name:  Jeffrey L. Hardy
     Title: President

                                      25

<PAGE>

                                  EXHIBIT A-1
                                  -----------

                    [OUTLINE OF PREMISES - EXISTING SPACE]
<PAGE>

                              [PLAN APPEARS HERE]
<PAGE>

                                  EXHIBIT A-2
                                  -----------

                 TENANT IMPROVEMENT ALLOWANCE - EXISTING SPACE
                 ---------------------------------------------

     1.   Except as set forth in this Exhibit, Tenant accepts the Existing Space
in its "AS-IS" condition on the date that this lease is entered into.

     2.   Tenant shall cooperate with Landlord as necessary to obtain final
working drawings, prepared by an architect that has been approved by Landlord
(which approval shall not unreasonably be withheld), of all improvements that
Tenant proposes to install in the Existing Space.  Such working drawings shall
include the partition layout, ceiling plan, electrical outlets and switches,
drawings for any installation and modification of the mechanical and plumbing
systems of the Building, and detailed plans and specifications for the
construction of the improvements called for under this Exhibit in accordance
with all applicable governmental laws, codes, rules, and regulations. If Tenant
fails to offer assistance and input with respect to such drawings, then each day
after Landlord requests such assistance and/or input shall be a Tenant Delay Day
(defined below). Further, if any of Tenant's proposed construction work will
affect the Building's HVAC, electrical, mechanical, or plumbing systems, then
the working drawings pertaining thereto must be approved by the Building's
engineer of record. Landlord's approval of such working drawings shall not be
unreasonably withheld, provided that (a) they comply with all laws, rules, and
regulations, (b) such working drawings are sufficiently detailed to allow
construction of the improvements in a good and workmanlike manner, and (c) the
improvements depicted thereon conform to the rules and regulations promulgated
from time to time by the Landlord for the construction of tenant improvements (a
copy of which has been delivered to Tenant). As used herein, "Working Drawings"
shall mean the final working drawings approved by Landlord, as amended from time
to time by any approved changes thereto, and "Work" shall mean all improvements
to be constructed in accordance with and as indicated on the Working Drawings.
Landlord's approval of the Working Drawings shall not be a representation or
warranty of Landlord that such drawings are adequate for any use or comply with
any law, but shall merely be the consent of Landlord thereto. Tenant shall, at
Landlord's request, sign the Working Drawings to evidence its review and
approval thereof. All changes in the Work must receive the prior written
approval of Landlord, and in the event of any such approved change Tenant shall,
upon completion of the Work, furnish Landlord with an accurate, reproducible
"as-built" plan of the improvements as constructed.

     3.   To the extent Tenant or its agent is managing part of the Work, the
following shall apply: (a) the Work shall be performed only by contractors and
subcontractors approved in writing by Landlord, which approval shall not be
unreasonably withheld; (b) all contractors and subcontractors shall be required
to procure and maintain insurance against such risks, in such amounts, and with
such companies as Landlord may reasonably require. Certificates of such
insurance, with paid receipts therefor, must be received by

                           Exhibit A-2 - Page 1 of 3
<PAGE>

Landlord before the Work is commenced; and (c) the Work shall be performed in a
good and workmanlike manner free of defects, shall conform strictly with the
Working Drawings, and shall be performed in such a manner and at such times as
and not to interfere with or delay Landlord's other contractors, the operation
of the Building, and the occupancy thereof by other tenants. All contractors and
subcontractors shall contact Landlord and schedule time periods during which
they may use Building facilities in connection with the Work (e.g., elevators,
excess electricity, etc.).

     4.   If a delay in the performance of the Work occurs (a) because of any
change by Tenant to the Space Plans or the Working Drawings, (b) because of any
specification by Tenant of materials or installations in addition to or other
than Landlord's standard finish-out materials, or (c) if Tenant or Tenant's
agents otherwise delays completion of the Work, then, notwithstanding any
provision to the contrary in this Lease, Tenant's obligation to pay Rent
hereunder shall commence on the scheduled Commencement Date (each day of delay
caused by any such event shall be a "Tenant Delay Day"). If the Existing Space
are not ready for occupancy and the Work is not substantially completed (as
reasonably determined by Landlord) on the scheduled Commencement Date for any
reason other than the reasons specified in the immediately preceding sentence,
then the obligations of Landlord and Tenant shall continue in full force and
Rent shall be abated until the date the Work is substantially completed less the
number of Tenant Delay Days, which date shall be the Commencement Date.

     5.   The entire cost of performing the Work (including, without limitation,
design of the Work and preparation of the Working Drawings, costs of
construction labor and materials, electrical usage during construction,
additional janitorial services, general tenant signage, related taxes and
insurance costs, all of which costs are herein collectively called the "Total
Construction Costs"), in excess of the Construction Allowance (hereinafter
detained) shall be paid by Tenant. Upon approval of the Working Drawings and
selection of a contractor, Tenant shall promptly (a) execute a work order
agreement prepared by Landlord which identifies such drawings and itemizes the
Total Construction Costs and sets forth the Construction Allowance, and (b) pay
to Landlord 50% of the amount by which Total Construction Costs exceed the
Construction Allowance.  Upon substantial completion of the Work, Tenant shall
pay to Landlord an amount equal to the Total Construction Costs (as adjusted for
any approved changes to the Work), less (i) the amount of the advance payment
already made by Tenant, (ii) the amount of the Construction Allowance, and (iii)
the cost reasonably estimated by Landlord for completing all "punch list" items.
Tenant shall pay to Landlord the costs incurred in completing the punch list
items upon completion thereof.

     6.   Landlord shall provide to Tenant a construction allowance (the
"Construction Allowance") equal to the lesser of (a) $10.00 per rentable square
foot in the Existing Space and (b) the Total Construction Costs, as adjusted for
any approved changes to the Work; however, if Tenant or its agent is managing
the performance of the Work, then Tenant shall

                           Exhibit A-2 - Page 2 of 3
<PAGE>

not become entitled to full credit for the Construction Allowance until the Work
has been substantially completed and Tenant has caused to be delivered to
Landlord (i) all invoices from contractors, subcontractors, and suppliers
evidencing the cost of performing the Work, together with lien waivers from such
parties, and a consent of the surety to the finished Work (if applicable) and
(ii) a certificate of occupancy from the appropriate governmental authority, if
applicable to the Work, or evidence of governmental inspection and approval of
the Work.

     7.   To the extent Landlord performs the Work, Landlord will obtain a
certificate of occupancy from the appropriate governmental authority, if
applicable to the Work, or evidence of governmental inspection and approval of
the Work.

     8.   Landlord agrees to furnish and install, at its sole cost and expense,
restrooms to service the Existing Space in accordance with the description for
"restrooms" in Exhibit "C-3".

     9.   Tenant shall have the option to install a fire suppression system
acceptable to it in the Existing Space, provided that (a) all costs and expenses
associated therewith are paid by Tenant, and (b) Landlord is given an
opportunity to review and approve all applicable design specifications prior to
installation.

                           Exhibit A-2 - Page 3 of 3
<PAGE>

                                  EXHIBIT B-1
                                  -----------

                    [OUTLINE OF PREMISES - EXPANSION SPACE]
<PAGE>

                           [FLOOR PLAN APPEARS HERE]
<PAGE>

                                  EXHIBIT B-2
                                  -----------

                TENANT IMPROVEMENT ALLOWANCE - EXPANSION SPACE
                ----------------------------------------------

     1.   Tenant shall cooperate with Landlord as necessary to obtain final
working drawings, prepared by an architect that has been approved by Landlord
(which approval shall not unreasonably be withheld), of all improvements that
Tenant proposes to install in the Expansion Space. Such working drawings shall
include the partition layout, ceiling plan, electrical outlets and switches,
drawings for any installation and modification of the mechanical and plumbing
systems of the Building, and detailed plans and specifications for the
construction of the improvements called for under this Exhibit in accordance
with all applicable governmental laws, codes, rules, and regulations. If Tenant
fails to offer assistance and input with respect to such drawings, then each day
after Landlord requests such assistance and/or input shall be a Tenant Delay Day
(defined below). Further, if any of Tenant's proposed construction work will
affect the Building's HVAC, electrical, mechanical, or plumbing systems, then
the working drawings pertaining thereto must be approved by the Building's
engineer of record. Landlord's approval of such working drawings shall not be
unreasonably withheld, provided that (a) they comply with all laws, rules, and
regulations, (b) such working drawings are sufficiently detailed to allow
construction of the improvements in a good and workmanlike manner, and (c) the
improvements depicted thereon conform to the rules and regulations promulgated
from time to time by the Landlord for the construction of tenant improvements (a
copy of which has been delivered to Tenant). As used herein, "Working Drawings"
shall mean the final working drawings approved by Landlord, as amended from time
to time by any approved changes thereto, and "Work" shall mean all improvements
to be constructed in accordance with and as indicated on the Working Drawings.
Landlord's approval of the Working Drawings shall not be a representation or
warranty of Landlord that such drawings are adequate for any use or comply with
any law, but shall merely be the consent of Landlord thereto. Tenant shall, at
Landlord's request, sign the Working Drawings to evidence its review and
approval thereof. All changes in the Work must receive the prior written
approval of Landlord, and in the event of any such approved change Tenant shall,
upon completion of the Work, furnish Landlord with an accurate, reproducible
"as-built" plan of the improvements as constructed.

     2.   To the extent Tenant or its agent is managing part of the Work, the
following shall apply: (a) the Work shall be performed only by contractors and
subcontractors approved in writing by Landlord, which approval shall not be
unreasonably withheld; (b) all contractors and subcontractors shall be required
to procure and maintain insurance against such risks, in such amounts, and with
such companies as Landlord may reasonably require. Certificates of such
insurance, with paid receipts therefor, must be received by Landlord before the
Work is commenced; and (c) the Work shall be performed in a good and workmanlike
manner free of defects, shall conform strictly with the Working Drawings, and
shall be performed in such a manner and at such times as and not to interfere
with or

                           Exhibit B-2 - Page 1 of 3
<PAGE>

delay Landlord's other contractors, the operation of the Building, and the
occupancy thereof by other tenants. All contractors and subcontractors shall
contact Landlord and schedule time periods during which they may use Building
facilities in connection with the Work (e.g., elevators, excess electricity,
etc.).

     3.   If a delay in the performance of the Work occurs (a) because of any
change by Tenant to the Space Plans or the Working Drawings, (b) because of any
specification by Tenant of materials or installations in addition to or other
than Landlord's standard finish-out materials, or (c) if Tenant or Tenant's
agents otherwise delays completion of the Work, then, notwithstanding any
provision to the contrary in this Lease, Tenant's obligation to pay Rent
hereunder shall commence on the scheduled Commencement Date (each day of delay
caused by any such event shall be a "Tenant Delay Day"). If the Expansion Space
are not ready for occupancy and the Work is not substantially completed (as
reasonably determined by Landlord) on September 1, 2000 for any reason other
than the reasons specified in the immediately preceding sentence, then the
obligations of Landlord and Tenant shall continue in full force and Rent shall
be abated until the date the Work is substantially completed less the number of
Tenant Delay Days, which date shall be the Commencement Date.

     4.   The entire cost of performing the Work (including, without limitation,
design of the Work and preparation of the Working Drawings, costs of
construction labor and materials, electrical usage during construction,
additional janitorial services, general tenant signage, related taxes and
insurance costs, all of which costs are herein collectively called the "Total
Construction Costs"), in excess of the Construction Allowance (hereinafter
detained) shall be paid by Tenant. Upon approval of the Working Drawings and
selection of a contractor, Tenant shall promptly execute a work order agreement
prepared by Landlord which identifies such drawings and itemizes the Total
Construction Costs and sets forth the Construction Allowance. Tenant shall pay
the amount by which Total Construction Costs exceed the Construction Allowance,
on a monthly basis based on the portion of the tenant improvements completed as
of the date of each draw request. All such payments shall be made by Tenant on a
timely basis as necessary to allow Landlord to satisfy all of its contractual
obligations in connection with the expansion of the Building. Landlord and/or
its Lender will create and administer reasonable retainage provisions in
connection with the build-out, and Landlord will consult with Tenant before
retainages are released. Upon substantial completion of the Work, Tenant shall
pay to Landlord an amount equal to the Total Construction Costs (as adjusted for
any approved changes to the Work), less (i) the amount of the advances already
made by Tenant, (ii) the amount of the Construction Allowance, and (iii) the
cost reasonably estimated by Landlord for completing all "punch list" items.
Tenant shall pay to Landlord the costs incurred in completing the punch list
items upon completion thereof.

     5.   Landlord shall provide to Tenant a construction allowance (the
"Construction Allowance") equal to the lesser of (a) $10.00 per rentable square
foot in the Expansion

                           Exhibit B-2 - Page 2 of 3
<PAGE>

Space and (b) the Total Construction Costs, as adjusted for any approved changes
to the Work; however, if Tenant or its agent is managing the performance of the
Work, then Tenant shall not become entitled to full credit for the Construction
Allowance until the Work has been substantially completed and Tenant has caused
to be delivered to Landlord (i) all invoices from contractors, subcontractors,
and suppliers evidencing the cost of performing the Work, together with lien
waivers from such parties, and a consent of the surety to the finished Work (if
applicable) and (ii) a certificate of occupancy from the appropriate
governmental authority, if applicable to the Work, or evidence of governmental
inspection and approval of the Work.

     6.   To the extent Landlord performs the Work, Landlord will obtain a
certificate of occupancy from the appropriate governmental authority, if
applicable to the Work, or evidence of governmental inspection and approval of
the Work.

     7.   Tenant shall have the option to install a fire suppression system
acceptable to it in the Expansion Space, provided that (a) all costs and
expenses associated therewith are paid by Tenant, and (b) Landlord is given an
opportunity to review and approve all applicable design specifications prior to
installation.

                           Exhibit B-2 - Page 3 of 3
<PAGE>

                                  EXHIBIT C-1
                                  -----------

           [DESCRIPTION OF BUILDING AND SITE - EXISTING SPACE ONLY]
<PAGE>

                           [SITE PLAN APPEARS HERE]
<PAGE>

                                  EXHIBIT C-2
                                  -----------

            [DESCRIPTION OF BUILDING AND SITE - W/EXPANSION SPACE]
<PAGE>

                           [SITE PLAN APPEARS HERE]
<PAGE>

                                  EXHIBIT C-3
                                  -----------

                          SPECIFICATIONS FOR EXPANSION
                          ----------------------------

     Base building work is defined as that work which the Landlord, at its sole
cost and expense, shall furnish and install and otherwise perform prior to the
Commencement Date in connection with this Lease. For the purposes of this
exhibit, base building work will include the following items:

A.   GENERAL
     -------

     1.   Codes and Standards:  All work will comply with ADA at the time of
delivery of the Premises and all applicable codes and regulations of building,
zoning, fire department and other governmental agencies having jurisdiction.

     2.   All base systems, including mechanical, electrical, and elevator shall
be complete and operating.

B.   STRUCTURAL
     ----------

     1.   Floor Loading: Floor loads shall be a minimum of 80 lb. per square
foot live load throughout, without decreasing existing dead load capacities.

C.   CONSTRUCTION/FINISHES
     ---------------------

     1.   Exterior walls will be fully finished as relates to water proofing,
caulking, glazing and metal finishing, glass cleaning on exterior, metal touch-
up and cleaning and any other actions required to render the perimeters to a
Tenant-ready condition.

     2.   All core and demising walls, exterior walls, columns, perimeter top
and bottom bulkheads, etc., to be furred, drywalled, taped, floated, sanded and
ready to receive final Tenant finishes.

     3.   Main building lobby finished, including ceiling and lighting, with
walls drywalled, taped, floated, sanded and ready to receive final Tenant
finishes, as applicable.

     4.   No exit corridors required in single tenant building. Doors and stair-
wells to be finished and painted.

     5.   Core corridor and elevator doors primed and ready to receive Tenant's
finish, as applicable.

                           Exhibit C-3 - Page 1 of 4
<PAGE>

     6.   Ground level complete (landscaping, truck dock, etc.) and in Tenant
ready condition.

     7.   Janitors closets, electrical and mechanical rooms, fire exit
enclosures and related areas to be furred, drywalled, taped, floated, sanded and
painted.

     8.   Locking devices and closers for all exit, stairwell,
electrical/telephone room doors and ladies/men's toilets to be furnished and
installed.

D.   SURFACE CONDITIONS
     ------------------

     1.   The areas and conditions under which work shall be performed shall be
clean, smooth and ready to receive new work, wall finish, floor finish, etc.,
without additional preparation.

     2.   Concrete floors to have troweled finish and leveled.

     3.   Floor to be latexed at the perimeter curtain wall to provide smooth
transition.

E.   RESTROOMS
     ---------

     Ladies' and Mens' room complete and compliant with all ADA requirements.
Accessories to be furnished and installed, i.e., mirrors, soap dispensers, grab
bars, sanitary napkin dispensers, roll toilet tissue dispensers, paper towel
dispensers, waste paper receptacles.

F.   HVAC
     ----

     1.   Class-A suburban call center office quality, base building HVAC
system, to meet state and local building codes, with service available on a
year-round basis throughout the Premises.  HVAC system with variable volume
capabilities preferred, in offices only.  Open areas to have direct ducted HVAC
without VAV boxes.

     2.   Base building work shall not include duct distribution and equipment.

G.   ELECTRICAL
     ----------

     1.   The base building electrical shall provide 10 watts per rentable
square foot for both base building and tenant requirements.

     2.   Telephones:
          a.   Telephone company frame room in the base of building, with
               conduit and service to telephone closets in each floor.

                           Exhibit C-3 - Page 2 of 4
<PAGE>

     3.   Lighting:
          a.   Provide emergency lighting for egress as required by code.
          b.   2x4 parabolic recessed fluorescent fixtures with energy saving
               ballasts to be installed and operational in main lobby,
               stairwells, elevators, mechanical rooms, utility rooms, etc., as
               required by code.

H.   PLUMBING
     --------

     1.   Base building plumbing to meet all federal, state and local codes and
applicable Plumbing Code.

     2.   Water (hot and cold) for restrooms.

     3.   Two (2) water coolers on each floor, but not less than as required by
Code.

     4.   Access to waste, vent and domestic water in wet columns (minimum: two
(2) per floor) on each floor and stubbed at the core.

     5.   Janitors closets to be completed including slop sinks, shelves,
utility racks (minimum: one (1) per floor).

I.   FIRE ALARM/FIRE PROTECTION/LIFE SECURITY.  With respect to the fire alarm,
     ----------------------------------------
fire protection and life security systems associated with the Premises:

     1.   Landlord, without cost to Tenant, shall install and maintain within
the Premises sprinkler systems, fire alarms, emergency lighting and other
related life safety equipment to comply with all present requirements of
federal, state, county and city governments and all other governmental
authorities having or claiming jurisdiction with respect to the initial
occupancy of the Premises.

     2.   Provide complete fire alarm system in accordance with 96 BOCA Building
Code.

     3.   Base building -life safety systems capable of being extended beyond
the core wall and with adequate capacity to accommodate Tenant's layout
requirements.

     4.   Fire hose cabinets and extinguishers must be furnished and complete
with hoses and extinguishers or as required by code.

     5.   Exit signs as required by code including emergency power requirements.

                           Exhibit C-3 - Page 3 of 4
<PAGE>

     6.   Fire Alarm System
          a.   The following shall be provided in all buildings.
               i.   Fire alarm panel communication with fire department, located
                    in an acceptable location per authority having jurisdiction.
               ii.  Smoke detectors throughout the building.
               iii. Egress lighting.
               iv.  Annunciation/horns throughout building.
               v.   Strobe lights.

                           Exhibit C-3 - Page 4 of 4
<PAGE>

                                   EXHIBIT D
                                   ---------

                        BUILDING RULES AND REGULATIONS
                        ------------------------------

     The following rules and regulations shall apply to the Premises, the
Building, the parking areas associated therewith, and the appurtenances thereto:

     1.   Sidewalks, doorways, vestibules, halls, stairways, and other similar
areas shall not be obstructed by tenants or used by any tenant for purposes
other than ingress and egress to and from their respective leased premises and
for going from one to another part of the Building.

     2.   Plumbing, fixtures and appliances shall be used only for the purposes
for which designed, and no sweepings, rubbish, rags or other unsuitable material
shall be thrown or deposited therein. Damage resulting to any such fixtures or
appliances from misuse by a tenant or its agents, employees or invitees, shall
be paid by such tenant.

     3.   No signs, advertisements or notices shall be painted or affixed on or
to any exterior windows or doors or other exterior portions of the Building
without the prior written consent of Landlord. No nails, hooks or screws shall
be driven or inserted in any part of the Building except by Building maintenance
personnel, excluding ordinary course decorative activities associated with the
interior portion of the Premises by Tenant. No curtains or other window
treatments shall be placed between the glass and the Building standard window
treatments without the prior written consent of Landlord.

     4.   Landlord shall provide and maintain an alphabetical directory for all
tenants in the main lobby or common exterior courtyard of the Building.

     5.   Landlord shall provide all door locks in each tenant's leased
premises, at the cost of such tenant, and no tenant shall place any additional
door locks in its leased premises without Landlord's prior written consent.
Landlord shall furnish to each tenant a reasonable number of keys to such
tenant's leased premises, at such tenant's cost, and no tenant shall make a
duplicate thereof.

     6.   Movement in or out of the Building of furniture or office equipment,
or dispatch or receipt by tenants of any bulky material, merchandise or
materials which require use of common area courtyard, or movement through the
Building entrances or lobby shall be conducted under Landlord's supervision at
such times and in such a manner as Landlord may reasonably require. Each tenant
assumes all risks of and shall be liable for all damage to articles moved and
injury to persons or public engaged or not engaged in such movement, including
equipment, property and personnel of Landlord if damaged or injured as a result
of acts in connection with carrying out this service for such tenant.

                            Exhibit D - Page 1 of 3
<PAGE>

     7.   All damages to the Building caused by the installation or removal of
any property of a tenant, or done by a tenant's property while in the Building,
shall be repaired at the expense of such tenant.

     8.   Corridor doors, when not in use, shall be kept closed. Nothing shall
be swept or thrown into the corridors, halls, elevator shafts or stairways. No
birds or animals shall be brought into or kept in, on or about any tenant's
leased premises. No portion of any tenant's leased premises shall at any time be
used or occupied as sleeping or lodging quarters.

     9.   Tenant shall cooperate with Landlord's employees in keeping its leased
premises neat and clean.

     10.  [intentionally deleted]

     11.  Tenant shall not make or permit any vibration or improper,
objectionable or unpleasant noises or odors in the Building or otherwise
interfere in any way with other tenants or persons having business with them.

     12.  No machinery of any kind (other than normal office equipment) shall be
operated by any tenant on its leased area without Landlord's prior written
consent, nor shall, subject to the excepted items described in the lease, tenant
use or keep in the Building any flammable or explosive fluid or substance.

     13.  Landlord will not be responsible for lost or stolen personal property,
money or jewelry from tenant's leased premises or public or common areas
regardless of whether such loss occurs when the area is locked against entry or
not.

     14.  Tenant shall not conduct any activity on or about the Premises or
Building which will draw pickets, demonstrators, or the like.

     15.  All vehicles are to be currently licensed, in good operating
condition, parked for business purposes having to do with Tenant's business
operated in the Premises, parked within designated parking spaces, one vehicle
to each space. No vehicle shall be parked as a "billboard" vehicle in the
parking lot. Any vehicle parked improperly may be towed away. The Tenant,
Tenant's agents, employees, vendors and customers who do not operate or park
their vehicles as required shall subject the vehicle to being towed at the
expense of the owner or driver. The Landlord may place a "boot" on the vehicle
to immobilize it and may levy a charge of $50.00 to remove the "boot". The
Tenant shall indemnify, hold and save harmless the Landlord of any liability
arising from the towing or booting of any vehicles belonging to the Tenant,
Tenant's agents, vendors, employees and customers.

                            Exhibit D - Page 2 of 3
<PAGE>

     16.  Tenant's employees will be allowed to smoke in areas designated by
Landlord for smoking.  Landlord will use its best efforts to ensure that the
referenced smoking areas do not adversely impact the view from space occupied by
tenants of the Building.  Tenant shall not allow its employees to smoke in
common areas visible to other tenants' premises or to other adjacent properties
designated by Landlord.  Landlord may from time to time designate no smoking
areas in the common areas of the Building.

                            Exhibit D - Page 3 of 3
<PAGE>

                                   EXHIBIT E
                                   ---------

                                RENEWAL OPTION
                                --------------

     Provided no Event of Default exists and Tenant is occupying the entire
Premises at the time of such election, and subject to the other terms and
provisions of this Exhibit, Tenant may renew this Lease for two (2) additional
periods of five (5) years, for one or more of the Areas (as defined below), by
delivering written notice of the exercise thereof to Landlord not later than two
hundred forty (240) days before the expiration of the current Term. On or before
the commencement date of the extended Term in question, Landlord and Tenant
shall execute an amendment to this Lease extending the Term on the same terms
provided in this Lease, except as follows:

     (1)  The Basic Rent payable for each month during each such extended Term
shall be the prevailing rental rate, at the commencement of such extended Term,
for space of equivalent quality, size, utility and location, with the length of
the extended Term and the credit standing of Tenant to be taken into account;

     (2)  Tenant shall have no further renewal options unless expressly granted
by Landlord in writing; and

     (3)  Landlord shall lease to Tenant the Premises in their then-current
condition, and Landlord shall not provide to Tenant any allowances (e.g., moving
allowance, construction allowance, and the like) or other tenant inducements.

     Tenant's rights under this Exhibit shall terminate if (i) Tenant assigns
any of its interest in this Lease or sublets any portion of the Premises or (ii)
Tenant fails to timely exercise its option under this Exhibit, time being of the
essence with respect to Tenant's exercise thereof. Within ten (10) days after
receipt of Tenant's notice to renew, Landlord shall send written notice to
Tenant of "prevailing rental rates" and shall advise Tenant of the required
increase or adjustment to the Basic Rent, if any, and the other terms and
conditions offered, including construction allowances and other inducements and
their effect on the prevailing market rates. If Tenant disagrees with Landlord's
determination of "prevailing rental rates", Tenant may, but only within ten (10)
days after receipt of Landlord's notice, require by written notice to Landlord
that the determination of "prevailing rental rates" be made by brokers. In such
event, within ten (10) days thereafter, each party shall select a qualified
commercial real estate broker with at least ten (10) years experience in
appraising property and buildings in the city or submarket in which the Premises
are located. The two brokers shall give their opinion of prevailing rental rates
and other terms within twenty (20) days after their retention. In no event,
however, shall the Basic Rent in the renewal term be less than the then current
rate per rentable square foot in effect hereunder. In the event the opinions of
the two brokers differ and, after good faith efforts over the succeeding twenty
(20) day period, they cannot mutually agree, the brokers

                            Exhibit E - Page 1 of 2
<PAGE>

shall immediately and jointly appoint a third broker with the qualifications
specified above. This third broker shall immediately (within five (5) days)
choose either the determination of Landlord's broker or Tenant's broker and such
choice of this third broker shall be final and binding on Landlord and Tenant
unless, within five (5) days thereafter, Tenant in writing notifies Landlord
that Tenant withdraws its notice to renew. Each party shall pay its own costs
for its real estate broker. The parties shall equally share the costs of any
third broker. The parties shall immediately confirm the renewal term, Basic Rent
and terms and conditions so determined, in writing.

     For purposes of this Exhibit E, the term "Areas" shall refer to the
following: (a) the Existing Space area consisting of approximately 25,000
rentable square feet; (b) the first floor of the Expansion Space area consisting
of approximately 40,500 rentable square feet; and (c) the second floor of the
Expansion Space area consisting of approximately 38,000 rentable square feet.
Tenant will be entitled to exercise its first five-year renewal option for any
one, any two, or all three of the referenced Areas. For the second five-year
renewal option, Tenant will be entitled to exercise the option for any one or
more of the Areas which it continued to occupy pursuant to its exercise of the
first five-year renewal option.

                            Exhibit E - Page 2 of 2
<PAGE>

                                   EXHIBIT F
                                   ---------

                            RIGHT OF FIRST REFUSAL
                            ----------------------

     Subject to then-existing renewal or expansion options of other tenants, and
provided no Event of Default then exists, Landlord shall, prior to leasing the
same to third parties, first offer to lease to Tenant the space designated on
page 2 of this Exhibit F (the "Offer Space") on the same terms that Landlord
proposes to lease the same to a third-party; such offer shall be in writing and
specify the terms under which Landlord proposes to lease the same to a third-
party (including the date that the Offer Space will be included in the Premises)
(the "Offer Notice"). Tenant shall notify Landlord in writing whether Tenant
elects to lease the entire Offer Space in accordance with the terms specified in
the Offer Notice, within 10 days after Landlord delivers to Tenant the Offer
Notice. If Tenant timely elects to lease the Offer Space, then Landlord and
Tenant shall execute an amendment to this Lease, effective as of the date the
Offer Space is to be included in the Premises, on the same terms as this Lease
except as follows:

     (a)  the rentable area of the Premises shall be increased by the rentable
area in the Offer Space;

     (b)  the Basic Rent shall be increased by the amount specified for such
space in the Offer Notice; and

     (c)  Landlord shall not provide to Tenant any allowances (e.g., moving
allowance, construction allowance, and the like) or other tenant inducements
unless specifically included in the Offer Notice. If Tenant fails or is unable
to timely exercise its right hereunder, then such right shall lapse, time being
of the essence with respect to the exercise thereof, and Landlord may lease the
Offer Space to third parties on such terms as Landlord may elect. Tenant may not
exercise its rights under this Exhibit if an Event of Default exists or Tenant
is not then occupying the entire Premises. Tenant's rights under this Exhibit
shall terminate if (i) this Lease or Tenant's right to possession of the
Premises is terminated or (ii) Tenant assigns any of its interest in this Lease
or sublets any portion of the Premises, or (iii) Tenant fails or is unable to
timely exercise its rights hereunder after an Offer Notice is given.

                            Exhibit F - Page 1 of 2
<PAGE>

                           [FLOOR PLAN APPEARS HERE]<PAGE>

                                                                   EXHIBIT 10.17

                 LEASE AGREEMENT WITH JORDAN ASSOCIATES, INC.
<PAGE>

                                     LEASE
                                     -----

     THIS LEASE AGREEMENT (the "Lease") is entered into as of March 6, 1998,
between OKC REAL ESTATE INVESTMENTS, INC., a Delaware corporation ("Landlord"),
and JORDAN ASSOCIATES, INC., an Oklahoma corporation ("Tenant").

     1.  Lease Grant.  Subject to the terms of this Lease, Landlord leases to
         -----------
Tenant, and Tenant leases from Landlord, the office space depicted on Exhibit
"A" attached hereto (the "Premises") which will be located in the office
building to be constructed by Landlord in Oklahoma City, Oklahoma, which is
described in Exhibit "B" attached hereto (the "Building").  The term "Building"
includes the related land, driveways, parking facilities, and similar
improvements.  Landlord and Tenant agree that the Premises will consist of
approximately 25,000 rentable square feet, and that the Building will contain
approximately 50,000 rentable square feet.

     2.  Construction of Building.  Landlord agrees to give Tenant periodic
         ------------------------
reports (not less than monthly) on the status of site acquisition, loan
processing and the actual construction of the Building from and after the date
hereof.  Since the Tenant's current lease expires on September 30, 1998, Tenant
will use its best efforts to cause its current landlord to agree to allow its
occupancy to continue thereafter on a month-to-month basis given the timing
uncertainties associated with any construction project.  Landlord will use its
best efforts to (a) enter into a binding contract for the acquisition of the
site for the Building on or before April 1, 1998, and (b) obtain an appropriate
loan commitment for the construction loan on or before April 1, 1998.  If the
Landlord fails to acquire the site or obtain the loan commitment on or before
April 1, 1998, Tenant shall have the right to terminate this Lease by giving
Landlord a written termination notice on or before April 5, 1998.  If the
Landlord fulfills the foregoing conditions on or before April 1, 1998, or
Landlord fails to fulfill the foregoing conditions on or before April 1, 1998
but Tenant does not terminate this Lease on or before April 5, 1998, this Lease
will remain in full force and effect, and Tenant shall have no further
termination rights pursuant to this Section 2.  The parties acknowledge that the
Landlord will not incur any further architectural or engineering or other
material expenses in connection with the development of the Building until the
Tenant's termination rights as set forth in this Section 2 have terminated.

     3.  Term.  The term of this Lease shall be one hundred twenty (120) months,
         ----
commencing on substantial completion of the Building (the "Commencement Date"),
and expiring at 5:00 p.m., on the last day of the 120th month thereafter (the
"Term", which definition shall include all renewals of the initial Term). If the
Commencement Date is not the first day of a calendar month, then the Term shall
be extended by the number of days between the Commencement Date and the first
day of the next month. If the Premises are ready for occupancy prior to the
Commencement Date, the Commencement Date shall refer to the date of the Tenant's
initial occupancy of the Premises, provided that Tenant will be given access to
the Premises prior to its actual occupancy to prepare the Premises for
<PAGE>

occupancy, including installation of telephone and computer systems and
relocating its furniture, fixtures and equipment.

     4.   Rent.
          -----

     (a)  Basic Rent.  "Basic Rent" (herein so called) shall be the following
          ----------
amounts for the following periods of time:

<TABLE>
<CAPTION>
    Time Period            Monthly Basic Rent     Rent per Rentable Square Foot
    -----------            ------------------     -----------------------------
    <S>                    <C>                    <C>
     Months 1-60                $24,542.00                  $11.78
     Months 61-120              $27,667.00                  $13.28
</TABLE>

     (b)  Payment.  Tenant shall timely pay to Landlord Basic Rent and all
          -------
additional sums to be paid by Tenant to Landlord under this Lease (collectively,
the "Rent"), without deduction or set off, at Landlord's address provided for in
this Lease or as otherwise specified by Landlord. Basic Rent, adjusted as herein
provided, shall be payable monthly in advance, and shall be accompanied by all
applicable state and local sales or use taxes. Basic Rent shall be payable on
the first day of each month beginning on the Commencement Date.  The monthly
Basic Rent for any partial month at the beginning of the Term shall equal the
product of 1/365 of the annual Basic Rent in effect during the partial month and
the number of days in the partial month from and after the Commencement Date,
and shall be due on the Commencement Date.

     (c)  Triple Net Lease.  The Basic Rent shall be net to Landlord and all
          ----------------
costs, expenses, and charges of every kind and nature relating to the Premises
(excepting only items which the Landlord specifically agrees to pay in this
Lease) which may arise or become due and payable during the term of this Lease
shall be paid by Tenant.

     5.   Delinquent Payment; Handling Charges.  All past due payments required
          ------------------------------------
of Tenant hereunder shall bear interest from the date due until paid at the
maximum lawful rate of interest; alternatively, Landlord may charge Tenant a fee
equal to 5% of the delinquent payment to reimburse Landlord for its cost and
inconvenience incurred as a consequence of Tenant's delinquency. In no event,
however, shall the charges permitted under this Section 5 or elsewhere in this
Lease, to the extent they are considered to be interest under law, exceed the
maximum lawful rate of interest.

     6.   Security Deposit.  On April 15, 1998, Tenant shall pay to Landlord
          ----------------
$25,000 (the "Security Deposit"), which shall be held by Landlord to secure
Tenant's performance of its obligations under this Lease. The Security Deposit
is not an advance payment of Rent or a measure or limit of Landlord's damages
upon an Event of Default (defined in Section 17). Landlord may, from time to
time and without prejudice to any other remedy, use all or a part of the
Security Deposit to perform any obligation Tenant fails to perform

                                       2
<PAGE>

hereunder after notice of nonperformance is given to Tenant as required in
Section 17 hereof. Following any such application of the Security Deposit,
Tenant shall pay to Landlord within ten (10) days the amount so applied in order
to restore the Security Deposit to its original amount. Provided that Tenant has
performed all of its obligations hereunder, Landlord shall, within 30 days after
the Term ends, return to Tenant the portion of the Security Deposit which was
not applied to satisfy Tenant's obligations. The Security deposit may be
commingled with other funds, and no interest shall be paid thereon. If Landlord
transfers its interest in the Premises and the transferee assumes Landlord's
obligations under this Lease, then Landlord may assign the Security Deposit to
the transferee and Landlord thereafter shall have no further liability for the
return of the Security Deposit.

     7.   Operating Expense Payments.  During each month of the Term, on the
          --------------------------
same date that Basic Rent is due, Tenant shall pay Landlord an amount equal to
1/12 of the annual cost, as estimated by Landlord on an annual basis, of
Tenant's Proportionate Share (hereinafter defined) of Operating Expenses for the
Building.  Tenant shall also (a) pay directly all utility charges associated
with the Premises (which will be separately metered) and, (b) pay directly, and
contract for, janitorial services for the Premises with a contractor, and on
terms, acceptable to Landlord.  The Landlord's estimate for the Operating
Expenses for the first year of the Building's operation is attached hereto as
Exhibit "F", provided Tenant acknowledges that the Operating Expenses for the
Building are dependent upon many factors beyond the control of Landlord, and
Tenant will pay its Proportionate Share of the actual costs.  Payments thereof
for any fractional calendar month shall be prorated.  The term "Operating
Expenses" means all reasonable costs and expenses incurred by Landlord with
respect to the ownership, maintenance, and operation of the Building including,
but not limited to costs of: taxes and fees payable to tax consultants and
attorneys for consultation and contesting taxes; insurance; common area
utilities; association dues; snow removal; maintenance and repair of all
portions of the Building, including without limitation, paving and parking
areas, roads, roofs, alleys, and driveways, mowing, landscaping, exterior
painting, utility lines and mechanical systems; amounts paid to contractors and
subcontractors for work or services performed in connection with any of the
foregoing; charges or assessments of any association to which the Building is
subject; property management fees payable to a property manager, including any
affiliate of Landlord, or if there is no property manager, an administration fee
payable to Landlord which shall not exceed the level of the management fees
reflected in Exhibit "F" attached hereto; security services, if any; trash
collection, sweeping and removal; and additions or alterations made by Landlord
to the Building in order to comply with applicable laws or codes as amended from
time to time or that are appropriate for the continued operation of the Building
as an office building in the market area, provided that the cost of such
additions or alterations that are required to be capitalized for federal income
tax purposes shall be amortized on a straight line basis over a period equal to
the lesser of the useful life thereof for federal income tax purposes or 10
years.  Operating Expenses shall not include debt service under mortgages or
ground rent under ground leases, costs of restoration to the extent of net
insurance proceeds received by Landlord with respect thereto, leasing
commissions, or the costs of renovating space for tenants.

                                       3
<PAGE>

     The Operating Expenses will be reconciled by Landlord on an annual basis.
If Tenant's total payments for any year are less than Tenant's Proportionate
Share of actual Operating Expenses for such year, Tenant shall pay the
difference to Landlord within 30 days after written notice thereof.  If the
total payments of Tenant for any year are more than Tenant's Proportionate Share
of actual Operating Expenses for such year, Landlord shall refund the difference
to Tenant within thirty (30) days after the annual reconciliation is completed.
Tenant shall have the right to review the supporting information compiled by and
relied upon by Landlord in calculating Operating Expenses and Tenant's
Proportionate Share thereof.  For purposes of calculating Tenant's Proportionate
Share of Operating Expenses, a year shall mean a calendar year except the first
year, which shall begin on the Commencement Date, and the last year, which shall
end on the expiration of this Lease.  Tenant's "Proportionate Share" shall be
fifty percent (50%) as reasonably adjusted by Landlord in the future for changes
in the physical size of the Premises or the Building.  Landlord may equitably
increase Tenant's Proportionate Share for any item of expense or cost
reimbursable by Tenant that relates to a repair, replacement, or service that
benefits only the Premises or only a portion of the Building that includes the
Premises or that varies with the occupancy of the Building, provided Landlord
will give Tenant written notice prior to effectuating any such increase.

     8.   Improvements: Alterations: Repairs: Maintenance.
          -----------------------------------------------

     (a)  Improvements: Alterations.  Improvements to the Premises shall be
          -------------------------
installed at Tenant's expense only in accordance with plans and specifications
which have been previously submitted to and approved in writing by Landlord. No
alterations or physical additions in or to the Premises may be made without
Landlord's prior written consent, which shall not be unreasonably withheld or
delayed; however, Landlord may withhold its consent to any alteration or
addition that would affect the Building's structure or its HVAC, plumbing,
electrical, or mechanical systems. Excluding ordinary course decorative
activities associated with the interior portion of the Premises, Tenant shall
not paint or install lighting or decorations, signs, window or door lettering,
or advertising media of any type on or about the Premises without the prior
written consent of Landlord, which shall not be unreasonably withheld or
delayed; however, Landlord may withhold its consent to any such painting or
installation which would affect the appearance of the exterior of the Building
or of any common areas of the Building. All alterations, additions, or
improvements made in or upon the Premises shall, at Landlord's option, either be
removed by Tenant prior to the end of the Term (and Tenant shall repair all
damage caused thereby), or shall remain on the Premises at the end of the Term
without compensation to Tenant. All alterations, additions, and improvements
shall be constructed, maintained, and used by Tenant, at its risk and expense,
in accordance with all laws.  Landlord's approval of the plans and
specifications therefor shall not be a representation by Landlord that such
alterations, additions, or improvements comply with any law.

                                       4
<PAGE>

     (b)  Repairs; Maintenance.  Tenant shall maintain the Premises in a clean,
          --------------------
safe, and operable condition, and shall not permit or allow to remain any waste
or damage to any portion of the Premises. Tenant shall repair or replace,
subject to Landlord's direction and supervision, any damage to the Building
caused by Tenant, Tenant's transferees, or their respective agents, contractors,
or invitees. If Tenant fails to make such repairs or replacements after notice
of nonperformance is given to Tenant as required in Section 17 hereof, then
Landlord may make the same at Tenant's cost. If any such damage occurs outside
of the Premises, then Landlord may elect to repair such damage at Tenant's
expense, rather than having Tenant repair such damage. The cost of all repair or
replacement work performed by Landlord under this Section 8 shall be paid by
Tenant to Landlord within fifteen days after Landlord has invoiced Tenant
therefor.

     (c)  Performance of Work.  All work described in this Section 8 shall be
          -------------------
performed only by Landlord or by contractors and subcontractors approved in
writing by Landlord. Tenant shall cause all contractors and subcontractors to
procure and maintain insurance coverage naming Landlord as an additional insured
against such risks, in such amounts, and with such companies as Landlord may
reasonably require. All such work shall be performed in accordance with all
legal requirements and in a good and workmanlike manner so as not to damage the
Premises, the Building, or the components thereof.  Except as otherwise set
forth herein, in no event shall Landlord be liable for any defects in the
Premises or for any limitation on its use.

     (d)  Mechanic's Liens.  Tenant shall not permit any mechanic's liens to be
          ----------------
filed against the Premises or the Building for any work performed, materials
furnished, or obligation incurred by or at the request of Tenant. If such a lien
is filed, then Tenant shall, within ten (10) days after Landlord has delivered
notice of the filing thereof to Tenant, either pay the amount of the lien or
diligently contest such lien and deliver to Landlord a bond or other security
reasonably satisfactory to Landlord. If Tenant fails to timely take either such
action, then Landlord may pay the lien claim or bond around the lien and invoice
Tenant for the cost thereof, and any amounts so paid, including expenses and
interest, shall be paid by Tenant to Landlord within ten days after Landlord has
invoiced Tenant therefor.

     9.   Use.  Tenant shall continuously occupy and use the Premises only for
          ---
general office use (the "Permitted Use") and shall comply with all laws, orders,
rules, and regulations relating to the use, condition, access to, and occupancy
of the Premises. The Premises shall not be used for any use which is
disreputable or creates extraordinary fire hazards.  Without the Landlord's
written consent, the Premises shall not be used for any use which results in an
increased rate of insurance on the Building or its contents, or for the storage
of any hazardous materials or substances, provided, however, that Landlord
acknowledges that spray mount adhesive, lacquer thinner and Bestine are used in
the ordinary course of Tenant's business.  Tenant agrees that the quantities of
the referenced materials located in the Premises shall not exceed the following:
(a) forty-eight (48) cans

                                       5
<PAGE>

of spray mount adhesive which are each twelve (12) ounces or less; (b) two (2)
gallons of lacquer thinner; and (c) five (5) gallons of Bestine. Tenant further
agrees to indemnify the Landlord from and against any and all damages and
liabilities of any type incurred by the Landlord or the Building as a result of
such use by Tenant. If, because of Tenant's acts, the rate of insurance on the
Building or its contents increases, then Tenant shall pay to Landlord the amount
of such increase on demand. Tenant shall conduct its business and control its
agents, employees, and invitees in such a manner as not to create any nuisance
or unreasonably interfere with other tenants or Landlord in its management of
the Building, including nuisances associated with the use of spray mount
adhesive, lacquer thinner and Bestine. Tenant, at its sole expense, shall comply
with all laws (including, without limitation, any and all environmental rules,
regulations and requirements, and all laws regarding access for handicapped or
disabled persons), ordinances and regulations, and all declarations, covenants,
and restrictions, applicable to Tenant's use or occupation of the Premises, and
with all governmental orders and directives of public officers which impose any
duty or restriction with respect to the use or occupation of the Premises,
including those pertaining to the use of spray mount adhesive, lacquer thinner
and Bestine. Outside storage, including, without limitation, storage of trucks
and other vehicles, is prohibited without Landlord's prior written consent. No
use shall be made of the Premises that would constitute the Building as a place
of public accommodation under the Americans with Disabilities Act or similar
statutes or local ordinances or any regulations promulgated thereunder, all as
may be amended from time to time (the "ADA"); and Tenant shall cause the
Premises (and, to the extent required by improvements to the Premises, the
Building) to comply with the ADA.

     10.  Assignment and Subletting.
          -------------------------

     (a)  Transfers; Consent.  Tenant shall not, without the prior written
          ------------------
consent of Landlord, (1) assign, transfer, or encumber this Lease or any estate
or interest herein, whether directly or by operation of law, (2) permit any
other entity to become Tenant hereunder by merger, consolidation, or other
reorganization, (3) if Tenant is an entity other than a corporation whose stock
is publicly traded, permit the transfer of an ownership interest in Tenant so as
to result in a change in the current control of Tenant, (4) sublet any portion
of the Premises, (5) grant any license, concession, or other right of occupancy
of any portion of the Premises, or (6) permit the use of the Premises by any
parties other than Tenant (any of the events listed in Section 10.(a)(1) through
10.(a)(6) being a "Transfer"). If Tenant requests Landlord's consent to a
Transfer, then Tenant shall provide Landlord with a written description of all
terms and conditions of the proposed Transfer, copies of the proposed
documentation, and the following information about the proposed transferee: name
and address; reasonably satisfactory information about its business and business
history; its proposed use of the Premises; banking, financial, and other credit
information; and general references sufficient to enable Landlord to determine
the proposed transferee's creditworthiness and character. Landlord shall not
unreasonably withhold its consent to any assignment or subletting of the
Premises, provided that the proposed

                                       6
<PAGE>

transferee (A) is creditworthy, (B) has a good reputation in the business
community, (C) does not engage in business similar to those of other tenants in
the Building, and (D) is not another occupant of the Building; otherwise,
Landlord may withhold its consent in its sole discretion. Concurrently with
Tenant's notice of any request for consent to a Transfer, Tenant shall pay to
Landlord a fee of $350.00 to defray Landlord's expenses in reviewing such
request, and Tenant shall also reimburse Landlord immediately upon request for
its attorneys' fees incurred in connection with considering any request for
consent to a Transfer. If Landlord consents to a proposed Transfer, then the
proposed transferee shall deliver to Landlord a written agreement whereby it
expressly assumes the Tenant's obligations hereunder; however, any transferee of
less than all of the space in the Premises shall be liable only for obligations
under this Lease that are properly allocable to the space subject to the
Transfer for the period of the Transfer. Landlord's consent to a Transfer shall
not release Tenant from its obligations under this Lease, but rather Tenant and
its transferee shall be jointly and severally liable therefor. Landlord's
consent to any Transfer shall not waive Landlord's rights as to any subsequent
Transfers. If an Event of Default occurs while the Premises or any part thereof
are subject to a Transfer, then Landlord, in addition to its other remedies, may
collect directly from such transferee all rents becoming due to Tenant and apply
such rents against Rent. Tenant authorizes its transferees to make payments of
rent directly to Landlord upon receipt of notice from Landlord to do so.

     (b)  Cancellation.  Landlord may, within 30 days after submission of
          ------------
Tenant's written request for Landlord's consent to an assignment or subletting,
cancel this Lease as to the portion of the Premises proposed to be sublet or
assigned as of the date the proposed Transfer is to be effective. If Landlord
cancels this Lease as to any portion of the Premises, then this Lease shall
cease for such portion of the Premises and Tenant shall pay to Landlord all Rent
accrued through the cancellation date relating to the portion of the Premises
covered by the proposed Transfer. Thereafter, Landlord may lease such portion of
the Premises to the prospective transferee (or to any other person) without
liability to Tenant.

     (c)  Additional Compensation.  Tenant shall pay to Landlord, immediately
          -----------------------
upon receipt thereof, the excess of (1) all compensation received by Tenant for
a Transfer less the costs reasonably incurred by Tenant with unaffiliated third
parties in connection with such Transfer (i.e., brokerage commissions, tenant
finish work, and the like) over (2) the Rent allocable to the portion of the
Premises covered thereby.

     11.  Insurance; Waivers; Subrogation; Indemnity.
          ------------------------------------------

     (a)  Insurance.  Tenant shall maintain throughout the Term the following
          ---------
insurance policies: (1) comprehensive general liability insurance in amounts of
$1,000,000 per occurrence with $2,000,000 in the aggregate or such other amounts
as Landlord may from time to time reasonably require, insuring Tenant, Landlord,
Landlord's agents and

                                       7
<PAGE>

their respective affiliates against all liability for injury to or death of a
person or persons or damage to property arising from the use and occupancy of
the Premises, (2) casualty insurance for the full replacement cost of the
Building, (3) insurance covering the full value of Tenant's property and
improvements, and other property (including property of others) in the Premises,
(4) contractual liability insurance sufficient to cover Tenant's indemnity
obligations hereunder, (5) worker's compensation insurance, and (6) business
interruption insurance. Tenant's insurance shall provide primary coverage to
Landlord when any policy issued to Landlord provides duplicate or similar
coverage, and in such circumstance Landlord's policy will be excess over
Tenant's policy. Tenant shall furnish to Landlord certificates of such insurance
and such other evidence satisfactory to Landlord of the maintenance of all
insurance required hereunder, and Tenant shall obtain a written obligation on
the part of each insurance company to notify Landlord at least 30 days before
cancellation or a material change of any such insurance policies. All such
insurance policies shall be in form, and issued by companies, reasonably
satisfactory to Landlord. The term "affiliate" shall mean any person or entity,
directly or indirectly, controlling, controlled by, or under common control with
the party in question.

     (b)  Waiver of Negligence; No Subrogation.  Landlord and Tenant each waives
          ------------------------------------
any claim it might have against the other for any injury to or death of any
person or persons or damage to or theft, destruction, loss, or loss of use of
any property (a "Loss"), to the extent the same is insured against under any
insurance policy that covers the Building, the Premises, Landlord's or Tenant's
fixtures, personal property, leasehold improvements, or business, or, in the
case of Tenant's waiver, is required to be insured against under the terms
hereof, regardless of whether the negligence of the other party caused such
loss. Each party shall cause its insurance carrier to endorse all applicable
policies waiving the carrier's rights of recovery under subrogation or otherwise
against the other party.

     (c)  Indemnity.  Subject to Section 11.(b), Tenant shall defend, indemnify,
          ---------
and hold harmless Landlord and its representatives and agents from and against
all claims, demands, liabilities, causes of action, suits, judgments, damages,
and expenses (including attorneys' fees) arising from (i) any Loss arising from
any occurrence on the Premises or (ii) Tenant's failure to perform its
obligations under this Lease, even though caused or alleged to be caused by the
negligence or fault of Landlord or its agents (other than a Loss arising from
the sole or gross negligence of Landlord or its agents), and even though any
such claim, cause of action, or suit is based upon or alleged to be based upon
the strict liability of Landlord or its agents. This indemnity is intended to
indemnify Landlord and its agents against the consequences of their own
negligence when Landlord or its agents are jointly, comparatively,
contributively, or concurrently negligent with Tenant. This indemnity provision
shall survive termination or expiration of this Lease. If any proceeding is
filed for which indemnity is required hereunder, Tenant agrees, upon request
therefor, to defend the indemnified party in such proceeding at its sole cost
utilizing counsel satisfactory to the indemnified party.

                                       8
<PAGE>

     12.  Subordination Attornment: Notice to Landlord's Mortgagee.
          --------------------------------------------------------

     (a)  Subordination.  This Lease shall be subordinate to any deed of trust,
          -------------
mortgage, or other security instrument, or any ground lease, master lease, or
primary lease, that now or hereafter covers all or any part of the Premises (the
mortgagee under any such mortgage or the lessor under any such lease is referred
to herein as a "Landlord's Mortgagee"). Any Landlord's Mortgagee may elect, at
any time, unilaterally, to make this Lease superior to its mortgage, ground
lease, or other interest in the Premises by so notifying Tenant in writing.

     (b)  Attornment.  Tenant shall attorn to any party succeeding to Landlord's
          ----------
interest in the Premises, whether by purchase, foreclosure, deed in lieu of
foreclosure, power of sale, termination of lease, or otherwise, upon such
party's request, and shall execute such agreements confirming such attornment as
such party may reasonably request.

     (c)  Notice to Landlord's Mortgagee.  Tenant shall not seek to enforce any
          ------------------------------
remedy it may have for any default on the part of the Landlord without first
giving written notice by certified mail, return receipt requested, specifying
the default in reasonable detail, to any Landlord's Mortgagee whose address has
been given to Tenant, and affording such Landlord's Mortgagee a reasonable
opportunity to perform Landlord's obligations hereunder.

     13.  Rules and Regulations.  Tenant shall comply with the rules and
          ---------------------
regulations of the Building which are attached hereto as Exhibit C. Landlord
may, from time to time, change such rules and regulations for the safety, care,
or cleanliness of the Building and related facilities, provided Tenant is given
written notice thereof, all the changes are applicable to all tenants of the
Building and the changes will not unreasonably interfere with Tenant's use of
the Premises. Tenant shall be responsible for the compliance with such rules and
regulations by its employees, agents, and invitees.

     14.  Condemnation.
          ------------

     (a)  Total Taking - Tenant's Rights.  If the entire Building or Premises
          ------------------------------
are taken by right of eminent domain or conveyed in lieu thereof (a "Taking"),
this Lease shall terminate as of the date of the Taking.

     (b)  Partial Taking - Tenant's Rights.  If any part of the Building becomes
          --------------------------------
subject to a Taking and such Taking will prevent Tenant from conducting its
business in the Premises in a manner reasonably comparable to that conducted
immediately before such Taking for a period of more than 150 days, then Tenant
may terminate this Lease as of the date of such Taking by giving written notice
to Landlord within 30 days after the Taking, and Rent shall be apportioned as of
the date of such Taking. If Tenant does not terminate

                                       9
<PAGE>

this Lease, then Rent shall be abated on a reasonable basis as to that portion
of the Premises rendered untenantable by the Taking.

     (c)  Partial Taking - Landlord's Rights.  If any material portion, but less
          ----------------------------------
than all, of the Building becomes subject to a Taking, or if Landlord is
required to pay any of the proceeds received for a Taking to a Landlord's
Mortgagee, then Landlord may terminate this Lease by delivering written notice
thereof to Tenant within 30 days after such Taking, and Rent shall be
apportioned as of the date of such Taking. If Landlord does not so terminate
this Lease, then this Lease will continue, but if any portion of the Premises
has been taken, Rent shall abate as provided in the last sentence of Section
14.(b).

     (d)  Award. If any Taking occurs, then Landlord shall receive the entire
          -----
award or other compensation for the land on which the Building is situated, the
Building, and other improvements taken, and Tenant may separately pursue a claim
(to the extent it will not reduce Landlord's award) against the condemnor for
the value of Tenant's personal property which Tenant is entitled to remove under
this Lease, moving costs, loss of business, and other claims it may have.

     15.  Fire or Other Casualty.
          ----------------------

     (a)  Repair Estimate.  If the Premises or the Building are damaged by fire
          ---------------
or other casualty (a "Casualty"), Landlord shall, within 75 days after such
Casualty, deliver to Tenant a good faith estimate (the "Damage Notice") of the
time needed to repair the damage caused by such Casualty.

     (b)  Landlord's and Tenant's Rights.  If a material portion of the Premises
          ------------------------------
or the Building is damaged by Casualty such that Tenant is prevented from
conducting its business in the Premises in a manner reasonably comparable to
that conducted immediately before such Casualty and Landlord estimates that the
damage caused thereby cannot be repaired within 240 days after the Casualty,
then Tenant may terminate this Lease by delivering written notice to Landlord of
its election to terminate within 30 days after the Damage Notice has been
delivered to Tenant. If Tenant does not so timely terminate this Lease, then
(subject to Section 15.(c)) Landlord shall repair the Building or the Premises,
as the case may be, as provided below, and Rent for the portion of the Premises
rendered untenantable by the damage shall be abated on a reasonable basis from
the date of damage until the completion of the repair, unless Tenant caused such
damage, in which case, Tenant shall continue to pay Rent without abatement.

     (c)  Landlord's Rights.  If a Casualty damages a material portion of the
          -----------------
Building, and Landlord makes a good faith determination that restoring the
Premises would be uneconomical, or if Landlord is required to pay any insurance
proceeds arising out of the Casualty to a Landlord's Mortgagee, then Landlord
may terminate this Lease by giving

                                      10
<PAGE>

written notice of its election to terminate within 30 days after the Damage
Notice has been delivered to Tenant, and Rent shall be abated as of the date of
the Casualty.

     (d) Repair Obligation.  If neither party elects to terminate this Lease
         -----------------
following a Casualty, then Landlord shall, within a reasonable time after such
Casualty, begin to repair the Building and the Premises and shall proceed with
reasonable diligence to restore the Building and Premises to substantially the
same condition as they existed immediately before such Casualty; however,
Landlord shall not be required to repair or replace any of the furniture,
equipment, fixtures, and other improvements which may have been placed by, or at
the request of, Tenant or other occupants in the Building or the Premises, and
Landlord's obligation to repair or restore the Building or Premises shall be
limited to the extent of the insurance proceeds actually received by Landlord
for the Casualty in question.

     16.  Taxes.  Tenant shall be liable for all taxes levied or assessed
          -----
against personal property, furniture, or fixtures placed by Tenant in the
Premises. If any taxes for which Tenant is liable are levied or assessed against
Landlord or Landlord's property and Landlord elects to pay the same, or if the
assessed value of Landlord's property is increased by inclusion of such personal
property, furniture or fixtures and Landlord elects to pay the taxes based on
such increase, then Tenant shall pay to Landlord, upon demand, the part of such
taxes for which Tenant is primarily liable hereunder; however, Landlord shall
not pay such amount if Tenant notifies Landlord that it will contest the
validity or amount of such taxes before Landlord makes such payment, and
thereafter diligently proceeds with such contest in accordance with law and if
the non-payment thereof does not pose a threat of loss or seizure of the
Building or interest of Landlord therein.

     17.  Events of Default.  Each of the following occurrences shall be an
          -----------------
"Event of Default":

     (a)  Tenant's failure to pay Rent on or before the applicable due date and
on or before the 5th day after Landlord has delivered written notice to Tenant
that the same is past due;

     (b)  Tenant's failure to perform, comply with, or observe any other
agreement or obligation of Tenant under this Lease and the continuance of such
failure for a period of more than 30 days after Landlord has delivered to Tenant
written notice thereof, provided that if the default is of such a nature that it
may not be reasonably cured within 30 days, then no Event of Default shall occur
hereunder if Tenant commences curing within such 30-day period and thereafter
diligently and continuously pursues such cure to completion within a period of
not more than 90 days after the delivery of such notice; and

     (c)  The filing of a petition by or against Tenant (the term "Tenant" shall
include, for the purpose of this Section 17.(c), any guarantor of the Tenant's
obligations hereunder)

                                      11
<PAGE>

(1) in any bankruptcy or other insolvency proceeding; (2) seeking any relief
under any state or federal debtor relief law; (3) for the appointment of a
liquidator or receiver for all or substantially all of Tenant's property or for
Tenant's interest in this Lease; or (4) for the reorganization or modification
of Tenant's capital structure; however, if such a petition is filed against
Tenant, then such filing shall not be an Event of Default unless Tenant fails to
have the proceedings initiated by such petition dismissed within 90 days after
the filing thereof.

     18.  Remedies.  Upon any Event of Default, Landlord may, in addition to all
          --------
other rights and remedies afforded Landlord hereunder or by law or equity, take
any of the following actions:

     (a)  Terminate this Lease by giving Tenant written notice thereof, in which
event Tenant shall pay to Landlord the sum of (1) all Rent accrued hereunder
through the date of termination, (2) all amounts due under Section 19.(a), and
(3) an amount equal to (A) the total Rent that Tenant would have been required
to pay for the remainder of the Term discounted to present value at a per annum
rate equal to the "Prime Rate" as published on the date this Lease is terminated
by The Wall Street Journal, Southwest Edition, in its listing of "Money Rates"
minus one percent, times (B) 75%;

     (b)  Terminate Tenant's right to possess the Premises without terminating
this Lease by giving written notice thereof to Tenant, in which event Tenant
shall pay to Landlord (1) all Rent and other amounts accrued hereunder to the
date of termination of possession, (2) all amounts due from time to time under
Section 19.(a), and (3) all Rent and other net sums required hereunder to be
paid by Tenant during the remainder of the Term, diminished by any net sums
thereafter received by Landlord through reletting the Premises during such
period, after deducting all costs incurred by Landlord in reletting the
Premises. Landlord shall use reasonable efforts to relet the Premises on such
terms as Landlord in its sole discretion may determine (including a term
different from the Term, rental concessions, and alterations to, and improvement
of, the Premises); however, Landlord shall not be obligated to relet the
Premises before leasing other portions of the Building. Landlord shall not be
liable for, nor shall Tenant's obligations hereunder be diminished because of,
Landlord's failure to relet the Premises or to collect rent due for such
reletting. Tenant shall not be entitled to the excess of any consideration
obtained by reletting over the Rent due hereunder. Reentry by Landlord in the
Premises shall not affect Tenant's obligations hereunder for the unexpired Term;
rather, Landlord may, from time to time, bring an action against Tenant to
collect amounts due by Tenant, without the necessity of Landlord's waiting until
the expiration of the Term. Unless Landlord delivers written notice to Tenant
expressly stating that it has elected to terminate this Lease, all actions taken
by Landlord to dispossess or exclude Tenant from the Premises shall be deemed to
be taken under this Section 18.(b). If Landlord elects to proceed under this
Section 18.(b), it may at any time elect to terminate this Lease under Section
18.(a).

                                      12
<PAGE>

     19.  Payment by Tenant: Non-Waiver.
          -----------------------------

     (a)  Payment by Tenant.  Upon any Event of Default, Tenant shall pay to
          -----------------
Landlord all costs incurred by Landlord (including court costs and reasonable
attorneys' fees and expenses) in (1) obtaining possession of the Premises, (2)
removing and storing Tenant's or any other occupant's property, (3) repairing,
restoring, altering, remodeling, or otherwise putting the Premises into
condition acceptable to a new tenant, (4) if Tenant is dispossessed of the
Premises and this Lease is not terminated, reletting all or any part of the
Premises (including brokerage commissions, cost of tenant finish work, and other
costs incidental to such reletting), (5) performing Tenant's obligations which
Tenant failed to perform, and (6) enforcing, or advising Landlord of, its
rights, remedies, and recourses arising out of the Event of Default. To the full
extent permitted by law, Landlord and Tenant agree the federal and state courts
of Oklahoma shall have exclusive jurisdiction over any matter relating to or
arising from this Lease and the parties' rights and obligations under this
Lease.

     (b)  No Waiver.  Landlord's acceptance of Rent following an Event of
          ---------
Default shall not waive Landlord's rights regarding such Event of Default. No
waiver by Landlord of any violation or breach of any of the terms contained
herein shall waive Landlord's rights regarding any future violation of such
term. Landlord's acceptance of any partial payment of Rent shall not waive
Landlord's rights with regard to the remaining portion of the Rent that is due,
regardless of any endorsement or other statement on any instrument delivered in
payment of Rent or any writing delivered in connection therewith; accordingly,
Landlord's acceptance of a partial payment of rent shall not constitute an
accord and satisfaction of the full amount of the Rent that is due.

     20.  Landlord's Lien.  In addition to the statutory landlord's lien, Tenant
          ---------------
grants to Landlord, to secure performance of Tenant's obligations hereunder, a
security interest in all goods (including equipment and inventory), fixtures,
and other personal property of Tenant situated on the Premises, and all proceeds
thereof (the "Collateral"), and the Collateral shall not be removed from the
Premises without the prior written consent of Landlord (other than in Tenant's
ordinary course of business) until all obligations of Tenant have been fully
performed. Upon the occurrence of an Event of Default, Landlord may, in addition
to all other remedies, without notice or demand except as provided below,
exercise the rights afforded to a secured party under the Oklahoma Uniform
Commercial Code (the "UCC"). To the extent the UCC requires Landlord to give to
Tenant notice of any act or event and such notice cannot be validly waived
before a default occurs, then five-days' prior written notice thereof shall be
reasonable notice of the act or event. Tenant grants to Landlord a power of
attorney to execute and file any financing statement or other instrument
necessary to perfect Landlord's security interest under this Section 20, which
power is coupled with an interest and is irrevocable during the Term. Landlord
may also file a copy of this Lease as a financing statement to perfect its
security interest in the Collateral.  Landlord agrees to subordinate its lien to
liens granted by Tenant to third party

                                      13
<PAGE>

lenders from time to time for any and all equipment obtained by Tenant from and
after the date hereof so long as there is no material adverse change in the
Tenant's financial condition from and after the date hereof.

     21.  Surrender of Premises.  No act by Landlord shall be deemed an
          ---------------------
acceptance of a surrender of the Premises, and no agreement to accept a
surrender of the Premises shall be valid unless it is in writing and signed by
Landlord. At the expiration or termination of this Lease, Tenant shall deliver
to Landlord the Premises with all improvements located therein in good repair
and condition, broom-clean, reasonable wear and tear (and condemnation and
Casualty damage not caused by Tenant, as to which Sections 14 and 15 shall
control) excepted, and shall deliver to Landlord all keys to the Premises.
Provided that Tenant has performed all of its obligations hereunder, Tenant may
remove all unattached trade fixtures, furniture, and personal property placed in
the Premises by Tenant, and shall remove such alterations, additions,
improvements, trade fixtures, personal property, equipment, wiring, and
furniture as Landlord may request. Tenant shall repair all damage caused by such
removal. All items not so removed shall be deemed to have been abandoned by
Tenant and may be appropriated, sold, stored, destroyed, or otherwise disposed
of by Landlord without notice to Tenant and without any obligation to account
for such items. The provisions of this Section 21 shall survive the end of the
Term.

     22.  Holding Over.  If Tenant fails to vacate the Premises at the end of
          ------------
the Term, then Tenant shall be a tenant at will and, in addition to all other
damages and remedies to which Landlord may be entitled for such holding over,
Tenant shall pay, in addition to the other Rent, a daily Basic Rent equal to the
greater of (A) 150% of the daily Basic Rent payable during the last month of the
Term, or (B) 125% of the prevailing rental rate in the Building for similar
space.

     23.  Certain Rights Reserved by Landlord.  Provided that the exercise of
          -----------------------------------
such rights does not unreasonably interfere with Tenant's occupancy of the
Premises, Landlord shall have the following rights:

     (a)  To decorate and to make inspections, repairs, alterations, additions,
changes, or improvements, whether structural or otherwise, in and about the
Building, or any part thereof; to enter upon the Premises and, during the
continuance of any such work, to temporarily close doors, entryways, public
space, and corridors in the Building; to interrupt or temporarily suspend
Building services and facilities; to change the name of the Building subject to
Tenant's rights as described in Section 24(t) hereof; and to change the
arrangement and location of entrances or passageways, doors, and doorways,
corridors, elevators, stairs, restrooms, or other public parts of the Building;

     (b)  To take such reasonable measures as Landlord deems advisable for the
security of the Building and its occupants; evacuating the Building for cause,
suspected cause, or for drill purposes; temporarily denying access to the
Building; and closing the

                                      14
<PAGE>

Building after normal business hours and on Sundays and holidays, subject,
however, to Tenant's right to enter when the Building is closed after normal
business hours under such reasonable regulations as Landlord may prescribe from
time to time; and

     (c)  To enter the Premises at reasonable hours with reasonable advance
notice to the Tenant to show the Premises to prospective purchasers, lenders,
or, during the last 12 months of the Term, tenants.

     24.  Miscellaneous.
          -------------

     (a)  Landlord Transfer.  Landlord may transfer any portion of the Building
          -----------------
and any of its rights under this Lease. If Landlord assigns its rights under
this Lease, then Landlord shall thereby be released from any further obligations
hereunder, provided that the assignee assumes Landlord's obligations hereunder
in writing.

     (b)  Landlord's Liability.  The liability of Landlord to Tenant for any
          --------------------
default by Landlord under the terms of this Lease shall be recoverable only from
the interest of Landlord in the Building, and Landlord shall not be personally
liable for any deficiency. This Section shall not limit any remedies which
Tenant may have for Landlord's defaults which do not involve the personal
liability of Landlord.

     (c)  Force Majeure.  Other than for Tenant's obligations under this Lease
          -------------
that can be performed by the payment of money (e.g., payment of Rent and
maintenance of insurance), whenever a period of time is herein prescribed for
action to be taken by either party hereto, such party shall not be liable or
responsible for, and there shall be excluded from the computation of any such
period of time, any delays due to strikes, riots, acts of God, shortages of
labor or materials, war, governmental laws, regulations, or restrictions, or any
other causes of any kind whatsoever which are beyond the control of such party.

     (d)  Brokerage.  Neither Landlord nor Tenant has dealt with any broker or
          ---------
agent in connection with the negotiation or execution of this Lease, other than
Trammell Crow MW, Inc. whose commission shall be paid by Landlord. Tenant and
Landlord shall each indemnify the other against all costs, expenses, attorneys'
fees, and other liability for commissions or other compensation claimed by any
broker or agent claiming the same by, through, or under the indemnifying party.

     (e)  Estoppel Certificates.  From time to time, Tenant shall furnish to any
          ---------------------
party designated by Landlord, within ten days after Landlord has made a request
therefor, a certificate signed by Tenant confirming and containing such factual
certifications and representations as to this Lease as Landlord may reasonably
request.

     (f)  Notices. All notices and other communications given pursuant to this
          -------
Lease shall be in writing and shall be (1) mailed by first class, United States
Mail, postage

                                      15
<PAGE>

prepaid, certified, with return receipt requested, and addressed to the parties
hereto at the address specified next to their signature block, (2) hand
delivered to the intended address, or (3) sent by prepaid telegram, cable,
facsimile transmission, or telex followed by a confirmatory letter. All notices
shall be effective upon delivery to the address of the addressee. The parties
hereto may change their addresses by giving notice thereof to the other in
conformity with this provision.

     (g) Severability.  If any clause or provision of this Lease is illegal,
         ------------
invalid, or unenforceable under present or future laws, then the remainder of
this Lease shall not be affected thereby and in lieu of such clause or
provision, there shall be added as a part of this Lease a clause or provision as
similar in terms to such illegal, invalid, or unenforceable clause or provision
as may be possible and be legal, valid, and enforceable.

     (h) Amendments and Binding Effect.  This Lease may not be amended except by
         -----------------------------
instrument in writing signed by Landlord and Tenant. No provision of this Lease
shall be deemed to have been waived by Landlord unless such waiver is in writing
signed by Landlord, and no custom or practice which may evolve between the
parties in the administration of the terms hereof shall waive or diminish the
right of Landlord to insist upon the performance by Tenant in strict accordance
with the terms hereof. The terms and conditions contained in this Lease shall
inure to the benefit of and be binding upon the parties hereto, and upon their
respective successors in interest and legal representatives, except as otherwise
herein expressly provided. This Lease is for the sole benefit of Landlord and
Tenant, and, other than Landlord's Mortgagee, no third party shall be deemed a
third party beneficiary hereof.

     (i) Quiet Enjoyment.  Provided Tenant has performed all of its obligations
         ---------------
hereunder, Tenant shall peaceably and quietly hold and enjoy the Premises for
the Term, without hindrance from Landlord or any party claiming by, through, or
under Landlord, but not otherwise, subject to the terms and conditions of this
Lease.

     (j) No Merger.  There shall be no merger of the leasehold estate hereby
         ---------
created with the fee estate in the Premises or any part thereof if the same
person acquires or holds, directly or indirectly, this Lease or any interest in
this Lease and the fee estate in the leasehold Premises or any interest in such
fee estate.

     (k) No Offer.  The submission of this Lease to Tenant shall not be
         --------
construed as an offer, and Tenant shall not have any rights under this Lease
unless Landlord executes a copy of this Lease and delivers it to Tenant.

     (l) Entire Agreement.  This Lease constitutes the entire agreement between
         ----------------
Landlord and Tenant regarding the subject matter hereof and supersedes all oral
statements and prior writings relating thereto. Except for those set forth in
this Lease, no representations, warranties, or agreements have been made by
Landlord or Tenant to the

                                      16
<PAGE>

other with respect to this Lease or the obligations of Landlord or Tenant in
connection therewith.

     (m) Waiver of Jury Trial.  To the maximum extent permitted by law, Landlord
         --------------------
and Tenant each waive right to trial by jury in any litigation arising out of or
with respect to this Lease.

     (n) Governing Law.  This Lease shall be governed by and construed in
         -------------
accordance with the laws of the State in which the Premises are located.

     (o) Joint and Several Liability.  If Tenant is comprised of more than one
         ---------------------------
party, each such party shall be jointly and severally liable for Tenant's
obligations under this Lease.

     (p) Financial Reports.  Within 15 days after Landlord's request, Tenant
         -----------------
will furnish Tenant's most recent audited financial statements (including any
notes to them) to Landlord, or, if no such audited statements have been
prepared, such other financial statements (and notes to them) as may have been
prepared by an independent certified public accountant or, failing those,
Tenant's internally prepared financial statements. Tenant will discuss its
financial statements with Landlord and will give Landlord access to reasonable
supporting documentation and information in order to enable Landlord to verify
the financial statements if they are not audited financial statements. Landlord
will not disclose any aspect of Tenant's financial statements that Tenant
designates to Landlord as confidential except (a) to Landlord's lenders or
prospective purchasers of the Building, (b) in litigation between Landlord and
Tenant, and (c) if required by court order.

     (q) Landlord's Fees.  Whenever Tenant requests Landlord to take any action
         ---------------
or give any consent required or permitted under this Lease, Tenant will
reimburse Landlord for Landlord's reasonable out-of-pocket costs (estimated at
$350 per request) incurred in reviewing the proposed action or consent,
including without limitation reasonable attorneys', engineers' or architects'
fees, within 10 days after Landlord's delivery to Tenant of a statement of such
costs. Tenant will be obligated to make such reimbursement without regard to
whether Landlord consents to any such proposed action.

     (r) List of Exhibits.  All exhibits and attachments attached hereto are
         ----------------
incorporated herein by this reference.

     Exhibit A   -   Outline of Premises
     Exhibit B   -   Description of Building and Site
     Exhibit C   -   Building Rules and Regulations
     Exhibit D   -   Renewal Option
     Exhibit E   -   Right of First Offer
     Exhibit F   -   Operating Cost Estimate (Year 1)

                                      17
<PAGE>

     (s) Contingencies.  Landlord shall have the right to cancel this Lease if
         -------------
(1) Landlord is unable to acquire the site where the Building is to be located
(as reflected in Exhibit B attached hereto) on terms acceptable to it, or (2)
the Building is not approved as required by the restrictive covenants
encumbering the site, or (3) Landlord is unable to obtain financing for the
construction of the Building on terms acceptable to it.  If the Lease is
terminated pursuant to this Section 24(s), the parties will have no further
rights or obligations hereunder.  Landlord will give Tenant written notice as
soon as the referenced contingencies are satisfied, which the parties anticipate
will be on or before April 1, 1998.

     (t) Tenant Signage.  Tenant shall have the right to design and install
         --------------
monument signage in connection with its occupancy of the Premises.  The location
of such signage, and all design and other specifications associated with such
signage, shall be subject to Landlord's prior written approval.  Tenant will not
install its signage until the location and design have been approved in writing
by the Landlord.  All costs associated with such signage shall be paid by
Tenant.

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                                      18
<PAGE>

LANDLORD AND TENANT EXPRESSLY DISCLAIM ANY IMPLIED WARRANTY THAT THE PREMISES
ARE SUITABLE FOR TENANT'S INTENDED COMMERCIAL PURPOSE, AND TENANT'S OBLIGATION
TO PAY RENT HEREUNDER IS NOT DEPENDENT UPON THE CONDITION OF THE PREMISES OR THE
PERFORMANCE BY LANDLORD OF ITS OBLIGATIONS HEREUNDER, AND, EXCEPT AS OTHERWISE
EXPRESSLY PROVIDED HEREIN, TENANT SHALL CONTINUE TO PAY THE RENT, WITHOUT
ABATEMENT, SETOFF OR DEDUCTION, NOTWITHSTANDING ANY BREACH BY LANDLORD OF ITS
DUTIES OR OBLIGATIONS HEREUNDER, WHETHER EXPRESS OR IMPLIED.

     Dated as of the date first above written.

TENANT:
                                              Address:
                                              -------
JORDAN ASSOCIATES, INC.                       1000 W. Wilshire Blvd., Suite 428
                                              Oklahoma City, Oklahoma 73116

By:   /s/ Jeanette Gamba
     ------------------------------
     Name: Jeanette Gamba
     Title: President and Chief Executive Officer

LANDLORD:
                                              Address:
                                              -------
OKC REAL ESTATE INVESTMENTS, INC.             1601 N.W. Expressway, Suite 1200
                                              Oklahoma City, Oklahoma 73118

By:   /s/ Alfred C. Branch
     ------------------------------
     Name: Alfred C. Branch
          -------------------------
     Title:  President
            -----------------------

                                      19

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