Document:

Exhibit 10.2

      EX-10.2
          3

               COMPENSATION PLAN AGREEMENT

     THIS Agreement is made effective as of this 10th day of
June, 1995 by and between International Mercantile Corporation
(IMTL), whose address is P.O. Box 340, Olney, Maryland 20830
referred to as the "Company", and Frederic Richardson, whose
address is 1801 Goldmine Road, Brookeville, Maryland 20830,
referred to as the "Employee".

     1.      Employment:     The Company hereby employs the
Employee as a Sales and Business Development Manager and the
Employee hereby accepts such employment in accordance with the
terms and conditions of this Contract.

     2.      Duties of Employee:

             a.     The duties of the Employee are generally
described as follows: to oversee telecommunications and mortgage
development and product and business development for IMTL and
any of its subsidiaries.

             b.     The Company's Rules and Regulations.  The
Employee shall strictly adhere to all the rules and regulations
of the Company which are presently in force or which may be
established hereafter with respect to the conduct of Employees.
The Employee shall also strictly follow the directions of the
Company with respect to the methods to be used in performing his
or her duties.  The Employee is responsible to continue and
maintain the Company's standards of uniformity, purity and
quality with respect to all services performed by the Company.

             c.     Employee agrees that he/she has not been employed
for any of the following activities and/or purposes:

                    1.      for capital raising or for promotional
activities regarding the Company's securities.

                    2.      to directly or indirectly promote or
maintain a market for the Company's securities.

                    3.      to act as a conduit to distribute S-8
Securities 144 securities to the general public.

                    4.      to render investor relations services or
shareholder communications services to the Company.

                    5.      to render advice to the Company regarding
the arrangement or effecting of mergers involving the Company
that have the effect of taking a private company public.

     3.    Power of Employee to Bind Company:      The Employee may
enter into any contract or otherwise bind the Company in any way

          EX-10.2, Pg. 1

he/she sees fit.  Any contracts which the Employee enters into
shall receive authorization from IMTL or it will not be binding
upon the company.

     4.     Other Employment:     It is the Company's intention
that the Employee devote at least 20 hours per week of the
Employee's work effort towards the fulfillment of the Employee's
obligation under this contract.  However during the Employment
period and any subsequent period during which he is employed
hereunder; it is understood that ownership of less than 10% of
the issued and outstanding capital stock of a corporation, the
securities of which are listed on a national securities exchange
or regularly included in the national list of over-the-counter
securities as it may from time to time be published in a
newspaper of general circulation, shall not be deemed to
constitute such a business activity as contemplated hereunder.

     5.     Compensation of Employee:

During the Employment Period:

            a.      As compensation for his services hereunder
Company shall pay Employee, $10,000 per month and 10,000 shares
of restricted stock (as S-8 where available).

            b.      In addition to his salary, Employee shall
entitled to all perquisites which Company makes available to
employees of similar class and station, and be included, to the
extent eligible, under any and all present plans of Company
providing benefits for its employees including, but not limited
to, retirement benefits, thrift plan, group life insurance,
hospitalization, medical, accidental death and dismemberment,
and any and all other similar or comparable benefits made
available to employees of similar class and station: provided,
however, that in no event shall employee have perquisites or
benefits less favorable than favorable than the comparable
perquisites or benefits he is presently receiving from the
Company.

     6.     Employee Expenses:     Employee shall be authorized,
to incur reasonable and necessary expenses(such as travel and
telephone).  Company will reimburse Employee for all such
expenses authorized by Company upon the presentation by Employee
to Company.  Employee is required to submit an itemized request
for reimbursement of such expenditures supported by sufficient
documentation of the expenditures and explanation of their
purpose.

     7.     Term:     The term of this Agreement shall
commence on the date hereof and shall continue for ten (10)
years, with rights to renew.

     8.     Termination of Employment:     Either party may
terminate this contract in the employment hereunder, without
cause and at any time, upon thirty days notice by Certified or
Registered Mail, or facsimile to the other party at the
addresses set forth above.

     9.     Remedies for Breach of Contract:

            a.     In the event the breach or threatened breach of
any provision of the contract of the Employee, the Company shall
be entitled to injunctions, both preliminary and final, and join
in or understanding such breach or threatened breach.  Such
remedies shall be in addition to all other remedies available at

        EX-10.2, Pg. 2

law or in equity including the Company's right to recover from
the Employee any damages that may be sustained as a result of
the Employee's breach of contract.

            b.     In addition to any other remedies the Company may
have available to it under the terms of this contract, the
Company shall be entitled to stop Employee, by means of
injunction, from violating any part of this Agreement, and to
recover by means of an accounting, any profits the Employee may
have obtained in violation of this contract.  The Company shall
be entitled to recover its attorneys fees and expenses in any
successful action by the Company to enforce this Agreement.

     10.     Affiliates:     The term "affiliate" as used herein
shall mean any corporation controlling, controlled by or under
common control with Company.  The term "control" shall mean the
ownership, directly or indirectly, of a sufficient number of
shares of voting stock of any corporation to elect a majority of
the Board of Directors of that corporation.

     11.     Complete Agreement:     This Contract supersedes all prior
contracts and understandings between the Employee and the
Company may not be modified, changed or altered by any promise
or statement by whomever made; nor shall any modification of it
be binding upon the Company until such written modification
shall have been approved in writing by an officer of the
Company.

     12.     Waiver of Breach:     The waiver by the Company of any
breach of any provision of this Contract by the Employee shall
not operate or be construed as a wavier of any subsequent breach
by the Employee.

     IN WITNESS WHEREOF, the undersigned has executed this
Agreement the day and year first above written.

WITNESS:                                  IMTL,

                                          /s/Edward Hutya
                                          Edward Hutya
                                          Executive Vice President
                                          Director

                                          /s/Frederic Richardson
                                          Frederic Richardson

          EX-10.2, Pg. 3

      EX-10.3
          4

                                                                            1

                                                                    W-1/99

         THIS LEASE, Made this ___7th_ day of _September_____, 1999, by and
between MIE Properties, Inc., as agent for owner, herein called
"Landlord", and Micromatix. Com, Inc., a Delaware Corporation, herein
called "Tenant".

         WITNESSETH, that in consideration of the rental hereinafter agreed
upon and the performance of all the conditions and convenants hereinafter
set forth on the part of Tenant to be performed, Landlord does hereby
lease unto said Tenant, and the latter does lease from the former
approximately 35,000 square feet at the following premises: 1625 Knecht
Avenue, Baltimore, Maryland 21227 for the term of 71 months beginning on
the 1st day of October, 1999,  and ending on the 31st day of August, 2005,
at and for the annual rental of See Rent Schedule Below* payable in
advance on the first day of each and every month during the term of this
lease in equal monthly installments of See Rent Schedule Below*.  Said
rental shall be paid to MIE Properties, Inc., 5720 Executive Drive,
Baltimore, Maryland 21228-1757 or at such other place or to such
appointee of Landlord, as  Landlord may from time to time designate in
writing.

         THE TENANT COVENANTS AND AGREES WITH THE LANDLORD AS FOLLOWS:

         1.       To pay said rent and each installment thereof as and when due,
without setoff or deduction.

         USE

         2.       To use and occupy the leased premises solely for the following
purposes: Office and warehouse for sales service, storage and
distribution of computers and related items.

         ADDITIONAL RENT

         3.       A.  UTILITIES

                Tenant shall apply for and pay all costs of electricity,
gas, telephone and other utilities used or consumed on the premises,
together with all taxes, levies or other charges on such utilities.
Tenant agrees to pay as additional rent, Tenant's prorata share of the
water and sewer service charges, or when applicable, the cost of
maintaining and operating the well water and/or septic system chargeable
to the total building in which the premises are located.   However, if in
Landlord's sole judgement, the water and sewer charges for the premises
are substantially higher than normal due to Tenant's water usage, then
Tenant agrees that it will, upon written notice from Landlord, install a
water meter at Tenant's expense and thereafter pay all water charges for
the premises based on such meter readings.

                                 *RENT SCHEDULE
                                 --------------

                                       Annual           Monthly
                                       ------           -------

October 1, 1999 - August 31, 2000      $171,290.00            $14,274.17
September 1, 2000 - August 31, 2001    $180,036.00      $15,003.00
September 1, 2001 - August 31, 2003    $187,040.00      $15,586.67
September 1, 2003 - August 31, 2005    $195,790.00      $16,315.83

          EX-10.3

                                                                            2

                B.  TAXES

                    Tenant shall pay to Landlord, as additional rent,
Tenant's pro-rata share of the taxes in excess of those assessed against
the building or group of buildings in which the leased premises is
situated, together with all parking and other common areas adjacent
thereto (collectively, the "Property") during the fiscal year commencing
July 1, 1999 and ending June 30, 2000, whether the taxes are payable to
the State of Maryland and/or Baltimore County.  If this lease shall be in
effect for less than a full fiscal year, Tenant shall pay a pro-rata
share of the increased taxes based upon the number of months that this
lease is in effect.  Said taxes shall include Metropolitan District
Charges, sewer service charges and CPRA charges, if any, and any and all
benefits or assessments which may be levied on the premises hereby leased
but shall not include the United States Income Tax, or any State or other
income tax upon the income or rent payable hereunder.

                C.  COMMON AREA

                    Tenant shall pay to Landlord as additional rent, Tenant's
pro-rata share of the following Common Area Expenses:

                *   Snow Removal

                *   Grounds Maintenance

                *   Security (when Landlord, in its reasonable judgement deems
                    necessary).

                *   Trash Removal (when supplied by Landlord).

                    Tenant's pro-rata share is equal to 54.64 percent.
"Tenant's Pro-rata Share" shall mean the same percentage that the gross
square foot area of Tenant's leased premises bears to the gross square
foot area of all leasable floor area within the property.  Landlord shall
notify Tenant of any change in "Tenant's Pro-rata Share".

                    Landlord shall notify Tenant from time to time of the
amounts which Landlord estimates will be payable by Tenant for Tenant's
Pro-rata Share of Utilities, Taxes and Common Area expenses and Tenant
shall pay such amounts to Landlord in equal monthly installments in
advance on or before the first day of each month.  Within a reasonable
period of time following the end of each calendar year, or fiscal year
(with regard to taxes) Landlord shall submit to Tenant a statement
showing the Utilities, Taxes and Common Area expenses to be paid by
Tenant with respect to such year, the amount paid by Tenant, and the
amount of the resulting balance due or overpayment.  Each such statement
shall be final and conclusive if no objection is raised within ninety
(90) days after submission of each such statement.

                   Notwithstanding the forgoing provisions of the above
paragraph, Landlord may require Tenant to pay in arrears Tenant's pro-
rata share of Utilities, Taxes and Common Area expenses in quarterly or
semi-annual payments rather than on a monthly basis as provided above.

          EX-10.3

                                                                            3

         MUNICIPAL REGULATING

         4.       To observe, comply with and execute at its expense, all laws,
orders, rules, requirements, and regulations of the United States, State,
City or County of the said State, in which the leased premises are
located, and of any and all governmental authorities or agencies and of
any board of fire underwriters or other similar organization, respecting
the premises hereby leased and the manner in which said premises are or
should be used by Tenant.

         ASSIGNMENT AND SUBLET

         5.       Not to assign this lease, in whole or in part, or sublet the
leased premises, or any part or portion thereof, or grant any license or
concession for any part of the premises, without the prior written
consent of  Landlord, said permission shall not be unreasonably withheld,
conditioned or delayed.  If such assignment or subletting is permitted,
Tenant shall not be relieved from any liability whatsoever under this
lease.  Landlord shall be entitled to any additional considerations over
and above those stated in this lease, which are obtained in or for the
sublease and/or assignment.  No option rights can be assigned or
transferred by Tenant to an assignee or subtenant without the prior
written consent of Landlord.

         INSURANCE

         6.       That Tenant will not do anything in or about said premises that
will contravene or affect any policy of insurance against loss by fire or
other hazards, including, but not limited to, public liability now
existing or which Landlord may hereafter place thereon, or that will
prevent Landlord from procuring such policies in companies acceptable to
Landlord.  Tenant will do everything reasonably possible, and consistent
with the conduct of Tenant's business to obtain the greatest possible
reduction in the insurance rates on the Property, including the building
in which the premises is situated.  Tenant further agrees to pay, as
additional rent, any increase in the premium of any insurance carried by
Landlord caused by Tenant's occupancy, the nature of its business, any
alterations or installations made by Tenant, or otherwise resulting from
any act of Tenant, its agents, employees or customers.

         ALTERATIONS

        7.      (a)    That Tenant will not make any alterations in addition to
original improvements to the  premises without the prior written consent
of Landlord, which consent will not be unreasonably withheld, conditioned
or delayed.  If  Tenant shall desire to make any such alterations, plans
for the same shall first be submitted to Landlord for approval, and the
same shall be performed by Tenant at its own expense, Tenant agrees that
all such work shall be done in a good and workmanlike manner, that the
structural integrity of the building shall not be impaired, that no liens
shall attach to the building by reason thereof, and that all alterations
shall be in accordance with all applicable building codes.

          EX-10.3

                                                                            4

                (b)    Tenant agrees to obtain at Tenant's expense all permits
pertaining to the alterations.  Tenant also agrees to obtain, prior to
commencing to make such alterations, and to keep in full force and effect
at all time while such alterations are being made, all at Tenant's sole
cost and expense, such policies of insurance pertaining to such
alterations and/or to the making thereof as Landlord reasonably may
request or require Tenant to obtain, including, but not limited to,
public liability and property damage insurance, and to furnish Landlord
evidence satisfactory to Landlord of the existence of such insurance
prior to Tenant's beginning to make such alterations.

                (c)    Any such alterations shall become the property of
Landlord as soon as they are affixed to the premises and all rights, title and
interest therein of Tenant shall immediately cease, unless otherwise
agreed to by Landlord in writing.  Landlord shall have the sole right to
collect any insurance for any damage of any kind caused by any
alterations or improvements placed upon the premises by Tenant.  If the
making of any such alterations, or the obtaining of any permits therefore
shall directly or indirectly result in a franchise, minor privilege or
any other tax or increase in tax, assessment or increase in assessment,
such tax or assessment shall be paid, immediately upon its levy and
subsequent levy, by Tenant.

                (d)     Unless Landlord shall elect in writing that all or
part of any alterations installed by Tenant shall remain, the premises shall
be restored to their original condition by Tenant, at its own expense,
before the expiration of its tenancy.

         MAINTENANCE

         8.       Tenant will, during the term of this lease, keep said demised
premises and appurtenances (including but not limited to interior and
exterior windows, interior and exterior doors, interior plumbing,
heating, air conditioning, and ventilating (HVAC), interior electrical or
replacement works thereof) in good order and condition and will make all
necessary repairs or replacement thereof at its own expense.  Landlord
does, however, give a 90 day warranty on all of the above mentioned
items.  This warranty does not include the required annual maintenance
contract on the HVAC unit(s) as described below.  Tenant will be
responsible for all exterminating services, except termites, required in
premises.  If Tenant does not make necessary repairs 15 days after
receiving written notice from Landlord of the need to make a repair, the
Landlord may proceed to make said repair and the cost of said repair will
become part of and in addition to the next due monthly rental.  The
Tenant agrees to furnish to the Landlord, at the expense of the Tenant,
prior to occupancy, a copy of an executed and paid for annual maintenance
contract on all heating and air conditioning equipment with a reputable
company acceptable to the Landlord and said contract will be kept in
effect during the term of the lease at the expense of the Tenant.

          EX-10.3

                                                                            5

Should Tenant not provide a satisfactory HVAC maintenance contract to
Landlord prior to occupancy, Tenant shall be provided a contract through
MIE Properties, Inc.  Billings for this contract shall become due and
payable upon receipt of invoice and shall be considered additional rent.
The Landlord will make all necessary structural repairs to the exterior
masonry walls and roof of the demised premises, after being notified in
writing of the need for such repairs, provided the necessity for such
repairs was not caused by the negligence or misuse of Tenant, its
employees, agents or customers.  The Tenant will, at the expiration of
the term or at the sooner termination thereof by forfeiture or otherwise,
deliver up the demised premises in the same good order and condition as
they were at the beginning of the tenancy, reasonable wear and tear
excepted.

         DEFAULT

         9.       If  Tenant shall fail to pay said rental or any other sum
required by this lease to be paid by Tenant and such failure shall
continue for 5 days after written notice thereof to Tenant, Landlord
shall have along with any and all other legal remedies the immediate
right to make distress therefore, and upon such distress, in Landlord's
discretion, this tenancy shall terminate.  In case Tenant shall fail to
comply with any of the other provisions, convenants, or conditions of
this lease, on its part to be kept and performed, and such default shall
continue for a period of ten days after written notice thereof shall have
been given to Tenant by Landlord, and/or if Tenant shall fail to pay said
rental or any other sum required by the terms of this lease to be paid by
Tenant, then, upon the happening of any such event, and in addition to
any and all other remedies that may thereby accrue to Landlord, Landlord
may do the following:

                1.    Landlord's Election to Retake possession without
Termination of Lease.  Landlord may retake possession of the leased
premises and shall have the right, but not the obligation, without being
deemed to have accepted a surrender thereof, and without terminating this
Lease, to relet the same for the remainder of the lease term upon terms
and conditions satisfactory to Landlord; and if the rent received from
such reletting does not at least equal the rent and other sums payable by
Tenant hereunder, Tenant shall pay and satisfy the deficiency between the
amount of rent and other sums so provided in this Lease and the rent
received through reletting the leased premises; and, in addition, Tenant
shall pay reasonable expenses in connection with any such reletting,
including, but not limited to, the cost of renovating, altering, and
decorating for any occupant, leasing commissions paid to any real estate
broker or agent, and attorney's fees incurred.

                2.    Landlord's Election to Terminate Lease.  Landlord may
terminate the Lease and forthwith repossess the leased premises and be
entitled to recover as damages a sum of money equal to the total of the
following amounts:

          EX-10.3

                                                                            6

                      a.   any unpaid rent or any other outstanding monetary
obligation of Tenant to Landlord under the Lease;

                      b.   the balance of the rent and other sums payable by
Tenant for the remainder of the lease term to be determined as of the
date of Landlord's re-entry;

                      c.   damages for the wrongful withholding of the leased
premises by Tenant;

                      d.   all legal expenses, including attorney's fees, expert
and witness fees, court costs and other costs incurred in exercising its
rights under the Lease;

                      e.   all costs incurred in recovering the leased premises,
restoring the leased premises to good order and condition, and all
commissions incurred by Landlord in reletting the leased premises; and

                      f.   any other reasonable amount necessary to compensate
Landlord for all detriment caused by Tenant's default.

         DAMAGE

        10.     In the case of the total destruction of said leased premises
by fire, other casualties, the elements or other cause, or of such damage
thereto as shall render the same totally unfit for occupancy by Tenant
for more than 60 days, this lease, upon surrender and delivery to
Landlord of said leased premises, together with the payment of the rent
to the date of such occurrence and a proportionate part thereof to the
date of surrender, shall terminate and be at an end.  If the leased
premises are rendered partly untenantable by any cause mentioned in the
preceding sentence, Landlord shall, at its own expense, restore said
leased premises with all reasonable diligence, and the rent shall be
abated proportionately for the period of said partial untenantability and
until the leased premises shall have been fully restored by Landlord.

         BANKRUPTCY

         11.      In the event of the appointment of a receiver or trustee for
Tenant by any court, Federal and State, in any legal proceedings under
any provisions of the Bankruptcy Act, if the appointment of such receiver
or such trustee is not vacated within sixty (60) days, or if said Tenant
be adjudicated bankrupt or insolvent, or shall make an assignment for the
benefit of its creditors, then and in any of said events, the Landlord
may, at its option, terminate this tenancy, and re-enter upon said
premises.

         POSSESSION/BENEFICIAL OCCUPANCY

         12.      Landlord covenants and agrees that possession of said premises
shall be given to Tenant as soon as said premises are ready for
occupancy.  In case possession, in whole or in part, cannot be given to
Tenant on or before the commencement date of this lease, Landlord agrees
to abate the rent proportionately until possession is given to said
Tenant and Tenant agrees to accept such pro rata abatement as liquidated
damages for the failure to obtain possession.

          EX-10.3

                                                                            7

               If Tenant occupies any portion of the premises prior to tender
of possession thereof by Landlord, such partial occupancy shall be deemed
to be beneficial occupancy and a pro rata rent shall be due and payable
as to that portion of the premises so occupied, immediately upon Tenant's
occupancy.  Such occupancy by Tenant and rent thereby due shall not
depend on official governmental approval of such occupancy, state of
completion of building, availability or connection of utilities and
services as but not limited to sewer, water, gas, oil, or electric.  No
rent credit shall be given because of lack of utilities or services
unless caused by the gross negligence of Landlord.

         SIGNS, ETC.

         13.      Tenant covenants and agrees that:

                a.   It will not place or permit any signs, lights, awnings
or poles on or about the exterior of  said premises without the prior
permission, in writing, of Landlord and in the event such consent is
given,  Tenant agrees to pay any minor privileges or other tax therefore;

                b.   Landlord is to immediately remove and dispose of any of
the unauthorized aforementioned items at the expense of  Tenant and said
cost shall become part of and in addition to the next due monthly rental.
Tenant further covenants and agrees that it will not paint or make any
changes in or on the outside of said premises without permission of
Landlord in writing.  Tenant agrees that it will not do anything on the
outside of said premises to change the uniform architecture, paint or
appearance of said building, without the consent of the Landlord in
writing.

                c.   Landlord shall have the right to place a "For Rent" sign
on any portion of said premises for ninety (90) days prior to termination
of this lease and to place a "For Sale" sign thereon at any time.

         EXTERIOR OF PREMISES

         14.      Tenant further convenants and agrees not to put any items on
the sidewalk or parking lot in the front, rear, or sides of said building
or block said sidewalk, and not to do anything that directly or
indirectly will take away any of the rights of ingress or egress or of
light from any other tenant of Landlord or do anything which will, in any
way, change the uniform and general design of any property of Landlord of
which the premises hereby leased shall constitute a part of unit.  Tenant
will also keep steps free and clear of ice, snow and debris.

         WATER DAMAGE

         15.      Tenant covenants and agrees that Landlord shall not be held
responsible for and Landlord is hereby released and relieved from any
liability by reason of or resulting from damage or injury to person or
property of Tenant or of anyone else, directly or indirectly caused by
(a) dampness or water in any part of said premises or in any part of any
other property of Landlord or of others and/or (b) any leak or break in

          EX-10.3

                                                                            8

any part of said premises or in any part of any other property of
Landlord or of others or in the  pipes of the plumbing or heating works
thereof, no matter how caused, unless damage is due to Landlord's
negligence.

         LIABILITY

         16.      Landlord shall not be liable to Tenant for any loss or damage
to Tenant or to any other person or to the property of Tenant or of any
other person unless such loss or damage shall be caused by or result from
negligent act of omission or commission on the part of Landlord or any of
its agents, servants, or employees.  Said Tenant shall indemnify and save
harmless Landlord, its successors or assigns, from all claims and demands
of every kind, that may be brought against it, them or any of them for or
on account of any damage, loss or injury to persons or property in or
about the leased premises during the continuance of this tenancy, or
during the time of any alterations, repairs, improvements or restorations
to said property by Tenant and arising in connection therewith, and from
any and all costs, expenses and other charges including reasonable
attorney's fees, which may be imposed upon the Landlord, its successors
or assigns, or which it or they may be obligated to incur in consequence
thereof.  Tenant shall also carry and pay for a general liability policy
naming Landlord as an additional insured, with combined single limits of
not less than $2,000,000.00, and will furnish Landlord with certificate
of same showing a 30 day notice of cancellation clause.

         RIGHTS OF ENTRY

         17.      It is understood and agreed that Landlord, and its agents,
servants, and employees, including any builder or contractor employed by
Landlord, shall have, and Tenant hereby gives them and each of them, the
absolute, and unconditional right, license and permission, at any and all
reasonable times, and for any reasonable purpose whatsoever, to enter
through, across or upon the premises hereby leased or any part thereof,
and, at the option of Landlord, to make such reasonable repairs to or
changes in said premises as Landlord may deem necessary or proper.

         EXPIRATION

         18.      It is agreed that the term of this lease expires on August 31,
2005  without the necessity of any notice by or to any of the parties
hereto.   If Tenant shall occupy said premises after such expiration, it
is understood that, in the absence of any written agreement to the
contrary, said Tenant shall hold premises as a Tenant from month-to-
month, subject to all the other terms and conditions of this lease, at
double the highest monthly rental installments reserved in this lease;
provided that Landlord shall, upon such expiration, be entitled to the
benefit of all public general or public local laws relating to the speedy
recovery of the possession of lands and tenements held over by Tenant
that may be now in force or may hereafter be enacted.

          EX-10.3

                                                                            9

                  Prior to lease expiration, Tenant agrees to schedule an
inspection with Landlord to confirm that the leased premises will be in
proper order at expiration, including but not limited to lighting,
mechanical, electrical and plumbing systems.

         CONDEMNATION

         19.      It is agreed that in the event condemnation proceedings are
instituted against the demised premises and possession taken by the
condemning authority, then this lease shall terminate at the date
possession is taken and Tenant shall not be entitled to recover any part
of the award.

         SUBORDINATION

         20.      It is agreed that Landlord shall have the right to place a
mortgage or deed of trust on the premises and this lease shall be
subordinate to any such mortgage, deed of trust whether presently
existing or hereafter placed on the premises, Tenant agrees to execute
any and all documents assisting the effectuating of said subordination.
Furthermore, if any person or entity shall succeed to all or part of
Landlord's interest in the leased premises, whether by purchase,
foreclosure, deed in lieu of foreclosure, power of sale, termination of
lease, or otherwise, Tenant shall automatically attorn to such successor
in interest, which attornment shall be self operative and effective upon
the signing of this lease, and Tenant shall execute such other agreement
in confirmation of such attornment as such successor in interest shall
reasonably request.

         NOTICES

         21.      Any written notices required by this lease shall be deemed
sufficiently given, if hand delivered, or sent via first class U.S. mail
or by nationally recognized overnight courier service.

             Any notice required by this lease is to be sent to Landlord at:

                  5720 Executive Drive
                  Baltimore, Maryland  21228-1789

             Any notice required by this is to be sent to the Tenant at:

                   P.O. Box 359
                   Crownsville, Maryland 21032

         REMEDIES NOT EXCLUSIVE

        22.     No remedy conferred upon Landlord shall be considered
exclusive of any other remedy, but shall be in addition to every other remedy
available to Landlord under this lease or as a matter of law.  Every
remedy available to Landlord may be exercised concurrently or from time
to time, as often as the occasion may arise.  Tenant hereby waives any
and all rights which it may have to request a jury trial in any
proceeding at law or in equity in any court of competent jurisdiction.

          EX-10.3

                                                                           10

         SECURITY DEPOSIT AND FINANCIAL STATEMENTS

        23.     A  security deposit of $28,548.34 is required to accompany
this lease, when submitted for approval by Landlord, subject to all the
conditions of the Security Deposit Agreement attached.  If this lease is
not approved by Landlord within 30 days of its submission to Landlord,
the security deposit will be refunded in full.  If requested by
Landlord's mortagee,  Landlord shall have the right to require annual
financial statements for Tenant and/or any Guarantor of this lease.
Landlord agrees to return $14,274.17 to Tenant within 30 days of October
1, 2002 provided Tenant has fulfilled the obligation of this lease
through September 30, 2002.

         FINAL AGREEMENT

        24.     This lease contains the final and entire agreement between
the parties hereto, and neither they nor their agents shall be bound by any
terms, conditions or representations not herein written.

         LEGAL EXPENSE

         25.      In the event, to enforce the terms of this lease, either party
files legal action against the other, and is successful in said action,
the losing party agrees to pay all reasonable expenses to the prevailing
party, including the attorney's fee incident to said legal action.  In
the event that Landlord is successful in any legal action filed against
Tenant, Landlord's attorney fees incident to said legal action shall
become part of and in addition to the then due monthly rent.

         LAND

         26.      It is agreed that the demised premises is the building area
occupied by Tenant and only the land under that area.

         RELOCATION

         27.      Landlord shall have the right at any time during the lease
term, upon not less than thirty (30) days written notice to Tenant, to
relocate Tenant to another location within the Property, provided:  (1)
the new location is reasonably similar to size, utility and appearance to
the premises hereby demised and (2) Landlord pays all reasonable moving
costs incurred by Tenant in connection with such move.  The parties shall
upon Landlord's request, execute an amendment to this lease which will
specify the change in premises, but this lease shall in no other respect
be amended.

         ENVIRONMENTAL REQUIREMENTS

         28.      Tenant hereby covenants and agrees that at any time it is
determined that there are materials placed on the premises which, under
any Environmental Requirements, require special handling in collection,
storage, treatment, or disposal, Tenant shall, within thirty (30) days
after written notice thereof, take or cause to be taken, at its sole
expense, such actions as may be necessary to comply with all
Environmental Requirements.  If Tenant shall fail to take such action,
Landlord may make advances or payments towards performance or

          EX-10.3

                                                                           11

satisfaction of the same but shall be under no obligation to do so; and
all sums so advanced or paid, including all sums advanced or paid in
connection with any judicial or administrative investigation or
proceeding relating thereto, including, without limitation, reasonable
attorney's fees, fines, or other penalty payments, shall be at once
repayable by Tenant and shall bear interest at the rate of four percent
(4%) per annum above the Prime rate from time to time as published by The
Wall Street Journal, from the date the same shall become due and payable
until the date paid.  Failure of Tenant to comply with all Environmental
Requirements shall constitute and be a default under this Lease
Agreement.

                  Tenant will remain totally liable hereunder regardless of any
other provisions which may limit recourse.

         SEVERABILITY

         29.      In case any one or more the provisions contained in this lease
shall for any reason be held to be invalid, illegal or unenforceable in
any respect, such invalidity, illegality or unenforceability shall not
affect any other provisions of this lease, but this lease shall be
construed as if such invalid, illegal or unenforceable provision had
never been contained herein.

         LATE CHARGE

         30.      If Tenant shall fail to pay when due, the said rental or any
other sum required by the terms of this lease to be paid by Tenant, then,
upon the happening of any such event, and in addition to any and all
other remedies that may thereby accrue to Landlord, Tenant agrees to pay
to Landlord a late charge of 5% of the monthly account balance.  The late
charge on the base rent accrues after 10 days of the due date and said
late charges shall be collectible as additional rent.

                  In the event Tenant's rent is received fifteen days after due
date, Landlord shall have option to require the rental payment be made
with a certified or cashier's check.

         QUIET ENJOYMENT

        31.     Tenant, upon paying the minimum rent, additional rent and
other charges herein provided and observing and keeping all of its covenants,
agreements and conditions in this lease, shall quietly have and enjoy the
Premises during the term of this lease without hindrance or molestation
by anyone claiming by or through Landlord; subject, however, to all
exceptions, reservations and conditions of this lease.

         LANDLORD'S WORK

        32.     The leased premises shall contain only the following items at
the expense of Landlord: AS IS.

         WINDOW COVERINGS

         33.      Tenant covenants and agrees not to install any window covering
other than a one-inch horizontal mini-blind of an off-white color unless
approved in writing by Landlord.

          EX-10.3

                                                                           12

         RULES AND REGULATIONS

        34.     Tenant shall at all times comply with the Rules and
Regulations attached hereto.  Landlord shall make a reasonable effort to
enforce the Rules and Regulations equitably against all tenants of the
Property.

         ESTOPPEL CERTIFICATE

         35.      Tenant shall, at any time during the term of this lease or any
renewal thereof, upon request of Landlord, execute, acknowledge, and
deliver to Landlord or its designee, a statement in writing, certifying
that this lease is unmodified and in full force and effect if such is the
fact that the same is in full force.

         ADDITIONAL RENT

         36.      All sums of money required to be paid by Tenant to Landlord
pursuant to the terms of this lease, unless otherwise specified herein,
shall be considered additional rent and shall be collectible by Landlord
as additional rent, in accordance with the terms of this lease.

         EXCULPATION CLAUSE

         37.      Neither Landlord nor any principal, partner, member, officer,
director, trustee or affiliate of Landlord (collectively, "Landlord
Affiliates") shall have any personal liability under any provision of
this lease.

AS WITNESS THE HANDS AND SEALS OF THE PARTIES HERETO THE DAY AND YEAR
FIRST ABOVE WRITTEN:

                                Micromatix.Com, Inc., a Delaware Corporation

____________________________    By:_______/s/Tim Jewell___________________
       (Witness)                          (Tenant)
                                Printed Name:     Tim Jewell

                                Title:    President

                                MIE Properties, Inc.

____________________________    By:_______/s/Robert C. Becker_____________
       (Witness)                             (Landlord)
                                Printed Name:    Robert C. Becker
                                Title:    Vice President

          EX-10.3

                                                                           13

SECURITY DEPOSIT AGREEMENT

         This is NOT a rent receipt.

                         Date:_________9/7/99_______________________

         Received from Micromatix.Com, Inc., a Delaware Corporation the
amount of $28,548.34,* as security deposit for premises 1625 Knecht
Avenue, Baltimore, Maryland 21227.

         Landlord agrees that, subject to the conditions listed below, this
security deposit will be returned in full within thirty (30) days of
vacancy.

         Tenant agrees that this security deposit may not be applied by
Tenant as rent and that the full monthly rent will be paid on or before
the first day of every month, including the last month of occupancy.
Tenant further agrees that a mortgagee of the property demised by the
lease to which this Security Deposit Agreement is appended and/or a
mortgagee thereof in possession of said property and/or a purchaser of
said property at a foreclosure sale shall not have any liability to
Tenant for this security deposit.

         SECURITY DEPOSIT RELEASE PREREQUISITES:
        ---------------------------------------

         1.  Full term of lease has expired.
         2.  No damage to property beyond fair wear and tear.
         3.  Entire leased premises clean and in order.
         4.  No unpaid late charges or delinquent rents, or other delinquent
            sums payable by Tenant.
        5.  All keys returned.
         6.  All debris and rubbish and discards placed in proper rubbish
            containers.
         7.  Forwarding address left with Landlord.

AS WITNESS THE HANDS AND SEALS OF THE PARTIES HERETO THE DAY AND YEAR
FIRST ABOVE WRITTEN:

                                        Micromatix.Com, Inc., a Delaware
                                        Corporation

____________________________                By:_______________________________
        (Witness)                                     (Tenant)

                                                     MIE Properties, Inc.

____________________________                By:_______________________________
        (Witness)                                    (Landlord)

* Landlord agrees to return $14,274.17 to Tenant within 30 days of
  October 1, 2002 provided Tenant has fulfilled the obligation of this lease
  through September 30, 2002.

          EX-10.3

                                                                           14

                       RULES AND REGULATIONS

           1625 Knecht Avenue, Baltimore, Maryland 21227

1.  The Common Facilities, and the sidewalks, driveways, and other
    public portion of the Property (herein
    "Public Areas") shall not be obstructed or encumbered by Tenant or
    used for any purpose other than ingress or egress to and from its
    premises, and Tenant shall not permit any of its employees, agents,
    licensees or invitees to congregate or loiter in any of the Public
    Area.  Tenant shall not invite to, or permit to visit its premises,
    persons in such numbers or under such conditions as may interfere
    with the use and enjoyment by others of the Public Areas.  Landlord
    reserves the right to control and operate, and to restrict and
    regulate the use of, the Public Areas and the public facilities, as
    well as facilities furnished for the common use of the tenants, in
    such manner as it deems best for the benefit of the tenants
    generally.

2.  No bicycles, animals (except seeing eye dogs) fish or birds of any
    kind shall be brought into, or kept in or about any premises within
    the Building.

3.  No noise, including, but not limited to, music, the playing of
    musical instruments, recordings, radio or television, which, in the
    judgment of Landlord, might disturb other tenants in the Building, shall
    be made or permitted by any tenant.

4.  Tenant's premises shall not be used for lodging or sleeping or for
    any immoral or illegal purpose.

5.  Tenant shall not cause or permit any odors of cooking or other
    processes, or any unusual or objectionable odors, to
    emanate from its premises which would annoy other tenants or create
    a public or private nuisance.

6.  Plumbing facilities shall not be used for any purpose other than
    those for which they were constructed; and no sweepings, rubbish,
    ashes, newspapers or other substances of any kind shall be thrown into
    them.

7.  Tenant agrees to keep the Leased Premises in a neat, good and
    sanitary condition and to place garbage, trash, rubbish and all other
    disposables only where Landlord directs.

8.  Landlord reserves the right to rescind, alter, waive or add, any
    Rule or Regulation at any time prescribed for the Building when, in
    the reasonable judgement of Landlord, Landlord deems it necessary or
    desirable for the reputation, safety, character, security, care,
    appearance or interests of the Building, or the preservation of good
    order therein, or the operation or maintenance of the Building, or
    the equipment thereof, or the comfort of tenants or others in the
    Building.  No recission, alteration, waiver or addition of any Rule
    or Regulation in respect of one tenant shall operate as a
    recission, alteration or waiver in respect of any other tenant.

9.  Tenant shall have the non-exclusive right to park in parking spaces
    in front of and behind tenant's leased premises. This area shall be
    defined by two imaginary lines extending out from tenant's demising
    walls.

10. Tenant shall not place any storage trailers or other storage
    containers of any type outside Tenant's premises.

11. Tenant shall not park on a permanent or semi-permanent basis, any
    trailers behind dock doors or in any other location outside Tenant's
    premises, for the purpose of storage.

12. Non-compliance with any of the above rules and regulations may, in
    Landlord's sole judgement, result in a monetary fine not to exceed
    $25 per day.  Landlord will notify Tenant of such violations and
    Tenant will have five (5) days to rectify, after which, daily fine
    will be applied.Exhibit 10.4

                         Non-Negotiable Promissory Note

$571,609.40                                              November 23, 1999

To be paid within one (1) year, for value received, International Mercantile
Corporation promises to pay to the Sarah Saul Simon Trust the sum of five
hundred seventy-one thousand six hundred nine 40/00 dollars ($571,609.40), at
Baltimore, Maryland, with interest at the rate of eight percent (8%) per
annum until balance is paid in full.

                                            Maker:

                                            International Mercantile Corporation

                                            By:/s/Frederic Richardson
                                            Frederic Richardson, Chairman

                                            Address: 1625 Knecht Ave.
                                                              Baltimore, MD  21227

Due:     November 23, 2000

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