Document:

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                                                                     EXHIBIT 4.2

                             STOCK OPTION AGREEMENT

        This agreement, dated as of the _____ day of ______________ by and
between DESWELL INDUSTRIES, INC., a British Virgin Island international business
company with its principal offices at Unit 516-517, Hong Leong Industrial
Complex, No. 4 Wang Kwong Road, Kowloon Bay, Kowloon, Hong Kong (hereinafter
called the "COMPANY"), party of the first part, and __________________
(hereinafter called "OPTIONEE"), a party of the second part;

                                   WITNESSETH

        Whereas, the company has adopted on January 7, 2002 the "2001 Stock
Option Plan of Deswell Industries, Inc." (the "2001 plan") to permit options to
be granted to certain employees or directors of the company and its subsidiaries
(hereinafter called the "employer corporation") to purchase common shares of the
company; and

        Whereas, the optionee is employed by the employer corporation in a key
capacity, and the company desires him to remain in such employ, and to secure or
increase his stock ownership in the company in order to increase his incentive
and personal interest in the welfare of the employer corporation;

        Now, therefore, in consideration of the premises and of the covenants
and agreements herein set forth, the parties hereby mutually covenant and agree
as follows:

        1. Subject to the terms and conditions set forth herein, the company
grants to the optionee the option to purchase from the company all or any part
of an aggregate amount of ____________ common shares of the company authorized
and unissued or, at the option of the company, treasury stock if available
(hereinafter, the "optioned shares").

        2. The price per share (the "option price") to be paid for the optioned
shares shall be U.S.$______, which is the fair market value of the common shares
on the date of grant as determined by the committee of directors appointed to
administer the plan. The option price may be paid in U.S. dollars or its
equivalent in Hong Kong dollars on the date the option is exercised.

        3. Subject to the provisions of paragraphs four and six hereof, the
Option(s) shall be exercisable as to the specified number of optioned shares on
and after the "First" dates and on or before the "Last" dates set forth below:

<TABLE>
<CAPTION>
                                                 Exercise Dates
                                 ----------------------------------------------
Number of Shares                        First                        Last
----------------                 ---------------------          ---------------
<S>                              <C>                            <C>

</TABLE>

Optionee acknowledges that he understands he has no right whatsoever to exercise
the Option(s) granted hereunder with respect to any Optioned Shares covered by
any installment until such installment accrues as provided above. Optionee
further understands that the Option(s) granted hereunder shall expire and become
unexercisable as provided in Section (6) below.

        4. The option herein granted may be exercised only by written notice of
intent to exercise the option, served upon the secretary of the company at its
principal offices the number of shares in respect of which the option is being
exercised, accompanied by payment for such shares in cash or by certified check
or bank draft to the order of the company. Such shares, upon payment of the
purchase price, shall be fully paid and non-assessable.

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        5. The option herein granted shall not be transferable by the optionee
otherwise than by will or the laws of descent and distribution, and may be
exercised during the life of the optionee only by the optionee.

        6. The option granted hereunder shall expire and become unexercisable on
or before the earliest of the following dates, whichever is applicable: (i) the
date of the optionee's termination of employment from or as a director of the
employer corporation for any reason other than death or disability; or (ii) the
date that is one year following the optionee's termination of employment from
the employer corporation by reason of his and her death, or by reason of his or
her disability, whichever is applicable.

        7. If any of the events specified in paragraph 13 of the 2001 plan
occur, the adjustments in Optioned Shares and option price therein provided
shall be made.

        8. As to all Optioned Shares (or any stock issued as a stock dividend
thereon or any securities issued in lieu thereof or in substitution therefor),
purchased by the optionee or his personal representative upon the exercise of
any portion of the option herein granted, the Committee, in its sole discretion,
may require that the optionee or his personal representative, as the case may
be, agree to any of the following conditions:

                (a) That they sign an investment letter to the effect that they
are taking said shares for investment and not for resale.

                (b) That they will comply with such restrictions as may be
necessary to satisfy the requirements of the United States Securities Act of
1933.

        9. The optionee shall not be deemed for any purposes to be a shareholder
of the company with respect to any of the Optioned Shares except to the extent
that the option herein granted shall have been exercised with respect thereto
and a stock certificate issued therefor. Nothing in this agreement shall be
construed to confer upon the optionee any right to continued employment with the
employer corporation or to restrict in any way the right of the employer
corporation to terminate his or her employment. Optionee acknowledges that in
the absence of an express written employment agreement to the contrary,
optionee's employment with the employer corporation may be terminated by the
employer corporation at any time, with or without cause.

        10. The existence of the option herein granted shall not affect in any
way the right or power of the company or its shareholders to make or authorize
any or all adjustments, recapitalizations, reorganizations or other changes in
the company's capital structure or its business, or any merger or consolidation
of the company, or any issue of bonds, debentures, preferred or prior preference
stock ahead of or affecting the common stock of the company or the rights
thereof, or dissolution or liquidation of the company, or any sale or transfer
of all or any part of its assets or business, or any other corporate act or
proceeding, whether of a similar character or otherwise.

        11. As a condition of the granting of the option herein granted, the
optionee agrees, for himself and his personal representatives, that any dispute
or disagreement which may arise under or as a result of or pursuant to his
agreement shall be determined by the committee in its sole discretion, and that
any interpretation by the committee of the terms of this agreement shall be
final, binding and conclusive.

        12. If, at any time, the Committee shall determine, in its discretion,
that the listing, registration or qualification of the shares covered by the
option upon any securities exchange or under any law of the United States, state
thereof or any other jurisdiction, is necessary or desirable or as a condition
of or in connection with the purchase of shares thereunder, the option may not
be exercised, in whole or in part, unless and until such listing, registration
or qualification shall have been effected free of any conditions not acceptable
to the Committee.

        IN WITNESS WHEREOF, the company has caused this instrument to be
exercised by its duly authorized officers, the optionee has hereunto affixed his
or her hand.

                                            DESWELL INDUSTRIES, INC.

                                            By:
                                               ---------------------------------
                                               Lau Pui Hon
                                               Chief Executive Officer

                                               ---------------------------------
                                                          Optionee

                                       2Exhibit 10.1
                                  ------------

                             2000 STOCK OPTION PLAN
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                               MONEYZONE.COM, INC.

                             2000 STOCK OPTION PLAN

         1.       PURPOSE. The purpose of this 2000 Stock Option Plan is to
advance the interests of MoneyZone.com by enabling officers, employees,
directors and consultants of the Company and its Affiliates (as hereinafter
defined) to participate in the Company's future and to enable the Company to
attract and retain such persons by offering them proprietary interests in the
Company.

         2.       DEFINITIONS. For purposes of the Plan, capitalized terms used
herein shall have the meanings ascribed thereto in this Section 2, or as
otherwise defined elsewhere herein.

         (a)      "Affiliate" means a corporation or other entity controlled
directly, or indirectly through one or more intermediaries, by the Company and
designated by the Committee as such.

         (b)      "Award" means an award granted to a Participant in the form of
a Stock Appreciation Right, Stock Option, or Restricted Stock, or any
combination of the foregoing.

         (c)      "Board" means the Board of Directors of the Company.

         (d)      "Cause" shall have the meaning set forth in Section 8.

         (e)      "Change in Control" shall have the meaning set forth in
Section 11.

         (f)      "Code" means the Internal Revenue Code of 1986, as amended
from time to time, and any successor thereto.

         (g)      "Commission" means the Securities and Exchange Commission or
any successor agency.

         (h)      "Committee" means the members of the Board appointed by the
Board pursuant to Section 5.

         (i)      "Common Stock" means common stock, $.15 par value per share of
the Company.

         (j)      "Company" means MoneyZone.com, a Nevada corporation.

         (k)      "Disability" means permanent and total disability as
determined under procedures established by the Committee for purposes of the
Plan.

         (l)      "Non-Employee Director" shall mean a director who qualifies as
such under Rule 16b-3(b)(3), as promulgated under the Exchange Act, or as such
term is defined under any successor rule adopted by the Commission.
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         (m)      "Effective Date" means the date described in Section 3 hereof.

         (n)      "Exchange Act" means the Securities Exchange Act of 1934, as
amended from time to time, and any successor thereto.

         (o)      "Fair Market Value" means the last sale price of the Common
Stock as of any given date described by the Board of Directors to be the date
for determining the Fair Market Value or, if no sale occurred on such date, the
average of the high and low reported bid prices for such date, in either case
(i) as reported by the principal securities exchange on which the Common Stock
is then traded or quoted, or (ii) if not traded or quoted on such an exchange,
then as reported by the Nasdaq National Market or the Nasdaq SmallCap Market
(collectively, the "Nasdaq Markets"), or (iii) if neither reported by such an
exchange nor the Nasdaq Markets, then as reported on the OTC Bulletin Board. If
the Common Stock is not traded or quoted on or by any such exchange, Nasdaq
Market or the OTC Bulletin Board, then the Fair Market Value shall be as
determining in good faith by the Committee.

         (p)      "Incentive Stock Option" means any Stock Option intended to be
and designated as an "incentive stock option" within the meaning of, and
qualified as such under, Section 422 of the Code.

         (q)      "Non-Qualified Stock Option" means any Stock Option that is
not an Incentive Stock Option.

         (r)      "Normal Retirement" means retirement from active employment
with the Company or an Affiliate at or after age 65 or at such other age as may
be specified by the Committee.

         (s)      "Option Agreement" means the agreement evidencing and
providing the governing terms and conditions of Stock Options.

         (t)      "Option Period" means the time during which a Stock Option may
be exercised.

         (u)      "Optionee" means a Participant who has been granted Stock
Options under this Plan.

         (v)      "Participant" means an employee, director or consultant of the
Company or of an Affiliate to whom an Award has been granted which has not
terminated, expired or been fully exercised.

         (w)      "Plan" means the MoneyZone.com 2000 Stock Option Plan, as set
forth herein and as hereinafter amended from time to time.

         (x)      "Restricted Period" means the period of time, which may be a
single period or multiple periods, during which Restricted Stock awarded to a
Participant remains subject to the restrictions imposed on such Common Stock, as
determined by the Committee.

         (y)      "Restrictions" means the restrictions and conditions imposed
on Restricted Stock awarded to a Participant, as determined by the Committee,

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which must be satisfied in order for the Restricted Stock to vest, in whole or
in part, in the Participant.

         (z)      "Restricted Stock" means Common Stock the subject of an Award
hereunder and on which are imposed one or more Restriction Periods and
Restrictions whereby the rights to full enjoyment of the Common Stock so awarded
are (i) conditioned upon the future performance of substantial services by any
individual or (ii) otherwise subject to a "substantial risk of forfeiture"
within the meaning of Section 83 of the Code, as amended.

         (aa)     "Restricted Stock Agreement" means a written agreement between
a Participant and the Company evidencing an Award of Restricted Stock.

         (bb)     "Restricted Stock Award Date" means the date on which the
Committee awarded Restricted Stock to the Participant.

         (cc)     "Retirement" means Normal Retirement or early retirement if a
defined benefit or 401(k) retirement plan of the Company provides for same.

         (dd)     "Rule 16b-3" means Rule 16b-3, as promulgated by the
Commission under Section 16(b) of the Exchange Act, as amended from time to
time.

         (ee)     "Stock Appreciation Right" means a right granted under Section
9.

         (ff)     "Stock Option" means an option to purchase Common Stock
granted under Section 8.

         (gg)     "Termination of Employment" means the termination of the
Participant's employment with the Company and any Affiliate. A Participant
employed by an Affiliate shall also be deemed to have incurred a Termination of
Employment if the Affiliate ceases to be an Affiliate and the Participant does
not immediately thereafter become an employee of the Company or another
Affiliate.

         In addition, certain other terms used herein have definitions given to
them in the first place in which they are used.

         3.       Effective Date. The Effective Date of the Plan shall be the
date upon which the Plan is approved by the stockholders of the Company.

         4.       COMMON STOCK SUBJECT TO PLAN.

         (a)      The total number of shares of Common Stock reserved and
available for distribution pursuant to Awards under the Plan shall be 1,000,000
shares of Common Stock. Such shares may consist, in whole or in part, of
authorized and unissued shares or treasury shares.

         (b)      If any shares of Common Stock subject to a Stock Option cease
to be subject to a Stock Option, if any shares of Common Stock that are subject
to any Award are forfeited or if any Award otherwise terminates without a
distribution being made to the Participant in the form of Common Stock, such
shares shall again be available for distribution in connection with Awards under
the Plan. In addition, any stock purchased by a Participant upon exercise of a

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Stock Option as provided herein which is subsequently repurchased by the Company
pursuant to the terms of the applicable Option Agreement may again be the
subject of a Stock Option under the Plan.

         (c)      In the event of any merger, reorganization, consolidation,
recapitalization (including but not limited to the issuance of Common Stock or
any securities convertible into Common Stock in exchange for securities of the
Company), stock dividend, stock split or reverse stock split, extraordinary
distribution with respect to the Common Stock or other similar change in
corporate or capital structure affecting the Common Stock, the Committee, as it
deems necessary, shall make such equitable substitutions or adjustments to the
aggregate number of shares reserved for issuance under the Plan, the number and
Exercise Price applicable to Awards then outstanding; provided, however, that
the number of shares subject to any Award shall always be a whole number. Such
adjusted Exercise Price shall also be used to determine the amount payable by
the Company upon the exercise of any Stock Appreciation Right associated with
any Stock Option.

         5.       ADMINISTRATION OF THE PLAN.

         (a)      COMMITTEE. The Plan shall be administered by the Committee or
such other committee of the Board, composed of not less than two directors all
of whom shall be Non-Employee Directors unless otherwise determined by the
Board. Each member of the Committee shall be appointed by and serve at the
pleasure of the Board. If at any time no Committee shall be in place, the
functions of the Committee specified in the Plan shall be exercised by the
Board. The Committee may act only by a majority of its members then in office,
except that the members thereof may authorize any one or more of their number or
any officer of the Company to execute and deliver documents on behalf of the
Committee. The Committee shall have plenary authority to grant Awards to persons
eligible to be Participants as provided in Section 6. Subject to the provisions
of the Plan, in addition to any other actions permitted or authorized hereunder,
the Committee shall have the authority to:

         (i)      select the officers, employees, directors and consultants to
whom Awards may from time to time be granted;

         (ii)     determine whether and to what extent Incentive Stock Options,
Non-Qualified Stock Options, Stock Appreciation Rights and Restricted Stock, or
any combination thereof are to be granted hereunder;

         (iii)    determine the number of shares of Common Stock to be covered
by each Award granted hereunder;

         (iv)     determine the terms and conditions of any Award granted
hereunder (including, but not limited to, the Exercise Price, any vesting
restrictions or limitation, any repurchase rights in favor of the Company and
any vesting acceleration or forfeiture waiver regarding any Award and the shares
of Common Stock relating thereto, based on such factors as the Committee shall
determine);

         (v)      adjust the terms and conditions, at any time or from time to
time, of any Award, including with respect to performance goals and measurements
applicable to performance-based Awards pursuant to the terms of the Plan;

         (vi)     determine under what circumstances an Award may be settled in
cash or Common Stock;

         (vii)    determine Fair Market Value, as appropriate;

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         (viii)   substitute new Stock Options for previously granted Stock
Options, including previously granted Stock Options having higher Exercise
Prices;

         (ix)     adopt, alter and repeal such administrative rules, guidelines
and practices governing the Plan as it shall, from time to time, deem advisable;

         (x)      interpret the terms and provisions of the Plan and any Award
issued under the Plan (and any agreement relating thereto);

         (xi)     and otherwise supervise the administration of the Plan.

         (b)      Any determination made by the Committee pursuant to the
provisions of the Plan with respect to any Award shall be made in its sole
discretion at the time of the grant of the Award or, unless in contravention of
any express term of the Plan or applicable law, at any time thereafter. All
decisions made by the Committee pursuant to the provisions of the Plan shall be
final and binding on all persons, including the Company and Participants.

         6.       ELIGIBILITY. Officers, employees, directors and consultants of
the Company and its Affiliates who are responsible for or contribute to the
management, growth and profitability of the business of the Company or its
Affiliates are eligible to be granted Awards under the Plan. Any person who
files with the Committee, in a form satisfactory to the Committee, a written
waiver of eligibility to receive any Award under the Plan shall not be eligible
to receive an Award under the Plan for the duration of the waiver.

         7.       DURATION OF THE PLAN. The Plan shall terminate ten (10) years
from the Effective Date specified in Section 3 of the Plan, unless terminated
earlier pursuant to Section 12 hereof, and no Awards may be granted thereafter.

         8.       STOCK OPTIONS.

         (a)      TYPES OF STOCK OPTIONS. Stock Options granted under the Plan
may be of two types: Incentive Stock Options and Non-Qualified Stock Options.
Any Stock Option granted under the Plan shall be in such form as the Committee
may from time to time approve. The Committee shall have the authority to grant
either or both of such Stock Options to any person eligible pursuant to Section
6 hereof (in each case with or without Stock Appreciation Rights); PROVIDED,
HOWEVER, that Incentive Stock Options may be granted only to employees of the
Company and its subsidiaries (within the meaning of Section 424(f) of the Code).
To the extent that (i) any Stock Option is not designated as an Incentive Stock
Option or (ii) any Stock Option that is designated as an Incentive Stock Option
does not qualify as such, such Stock Option shall be a Non-Qualified Stock
Option. Anything in the Plan to the contrary notwithstanding, no provision of
the Plan relating to Incentive Stock Options shall be interpreted, amended or
altered, nor shall any discretion or authority granted under the Plan be
exercised, so as to disqualify the Plan under Section 422 of the Code or,
without the consent of the Optionee affected, to disqualify any outstanding
Incentive Stock Option under Section 422 of the Code.

         (b)      DATE OF GRANT. The grant of a Stock Option pursuant to an
Award shall be deemed to have occurred with respect to any Participant on the
date when, after the Committee has by resolution (i) selected a person eligible
to become a Participant, (ii) determined the number of shares of Common Stock to
be subject to such Award and (iii) specified the terms and provisions of the
Option Agreement evidencing such Award, the Company and the Participant each

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have duly executed a written copy of such Option Agreement which, among other
things, will make appropriate arrangements with respect to the Company's tax
withholding obligations.

         (c)      OPTION AGREEMENTS. Awards of Stock Options shall be evidenced
by Option Agreements, the terms and provisions of which may differ. An Option
Agreement shall indicate on its face whether it is an agreement for an Incentive
Stock Option or a Non-Qualified Stock Option. Option Agreements shall include
the following terms and conditions and shall contain such additional terms and
conditions as the Committee shall deem desirable:

         (i)      EXERCISE PRICE. The Exercise Price per share of Common Stock
purchasable under a Stock Option shall be determined by the Committee and set
forth in the Option Agreement, and shall be (i) in the case of Incentive Stock
Options, not less than the Fair Market Value on the date of grant of the Common
Stock subject to the Stock Option and (ii) in the case of Non-Qualified Stock
Options, not less than 50% of the Fair Market Value of the Common Stock subject
to the Stock Option on the date of grant.

         (ii)     OPTION TERM. The term of each Stock Option shall be fixed by
the Committee, but no Incentive Stock Option shall be exercisable more than 10
years after its date of grant and no Non-Qualified Stock Option shall be
exercisable more than 10 years and one day after its date of grant.

         (iii)    EXERCISABILITY. Subject to Section 12, Stock Options shall be
exercisable at such time or times and subject to such terms and conditions as
shall be determined by the Committee. If the Committee provides that any Stock
Option is exercisable only in installments, the Committee may at any time waive
such provisions, in whole or in part, based on such factors as the Committee may
determine. In addition, the Committee may at any time accelerate the
exercisability of any Stock Option.

         (iv)     METHODS OF EXERCISE. Subject to the terms and conditions
hereof and of the applicable Option Agreement, Stock Options may be exercised,
in whole or in part, at any time during the Option period by giving written
notice of exercise to the Company specifying the number of shares of Common
Stock to be purchased subject to the Stock Option. The Exercise Price for the
shares of Common Stock issuable upon exercise of Stock Options shall be paid
within 10 business days after exercise either (A) in cash or by certified check
(B) in whole shares of Common Stock, (C) in a combination of cash and whole
shares of Common Stock, or (D) in any other manner approved by the Committee;
provided, however, that in the case of an Incentive Stock Option, the right to
make a payment in the form of already owned shares of Common Stock of the same
class as the Common Stock subject to the Stock Option shall be authorized only
at the time the Stock Option is granted. In the discretion of the Committee,
payment for any Common Stock subject to a Stock Option may also be made by
delivering a properly executed exercise notice to the Company together with a
copy of irrevocable instructions to a broker to deliver promptly to the Company
the amount of sale or loan proceeds to pay the purchase price. To facilitate the
foregoing, the Company may enter into agreements for coordinated procedures with
one or more brokerage firms. The value of previously owned Common Stock
exchanged in full or partial payment for the shares purchased upon the exercise
of a Stock Option shall be equal to the aggregate Fair Market Value of such
shares on the date of exercise.

         (v)      RIGHTS OF PARTICIPANT. A Participant shall have all of the
rights of a stockholder of the Company holding the Common Stock (including,
without limitation, if applicable, the right to vote the shares and the right to

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receive dividends) when and to the extent that such Participant (A) has given
written notice of exercise (whether in whole or in part), (B) has paid in full
the Exercise Price payable for such exercise and (C) holds such shares of Common
Stock.

         (vi)     NON-TRANSFERABILITY OF OPTIONS. Except as may otherwise be
determined by the Committee, no Stock Option shall be transferable by the
Optionee other than by will or by the laws of descent and distribution, and all
Stock Options shall be exercisable, during the Optionee's lifetime, only by the
Optionee or by the guardian or legal representative of the Optionee (it being
understood that the terms "holder" and "Optionee" for purposes of this paragraph
(vi) include the guardian and legal representative of the Optionee named in the
Option Agreement and any person to whom a Stock Option is transferred by will or
the laws of descent and distribution).

         (vii)    TERMINATION BY DEATH. If an Optionee's employment terminates
by reason of death, any Stock Option held by such Optionee may thereafter be
exercised, to the extent then exercisable or on such accelerated basis as the
Committee may determine, for a period of the shorter of (i) one year and one day
(or such other period as the Committee may specify) from the date of death and
(ii) the date of expiration of the stated term of such Stock Option.

         (viii)   TERMINATION BY REASON OF DISABILITY. If any Optionee's
employment terminates by reason of Disability, any Stock Option held by such
Optionee may thereafter be exercised by the Optionee, to the extent it was
exercisable at the time of such termination or on such accelerated basis as the
Committee may determine, for a period of the shorter of (A) one year and one day
(or such shorter period as the Committee may specify at grant) from the date of
such termination and (B) the date of expiration of the stated term of such Stock
Option; provided, however, that if the Optionee dies during such period, then
any unexercised Stock Option held by such Optionee shall, notwithstanding the
expiration of such period, continue to be exercisable to the extent to which it
was exercisable at the time of death for a period of the shorter of (X) one year
and one day (or such other period as the Committee may specify) from the date of
such death and (Y) the date of expiration of the stated term of such Stock
Option. In the event of termination of employment by reason of Disability, if an
Incentive Stock Option is exercised after the expiration of the exercise periods
that apply for purposes of Section 422 of the Code, such Stock Option will
thereafter be treated as a Non-Qualified Stock Option.

         (ix)     OTHER TERMINATION. Subject to Section 11 and unless otherwise
determined by the Committee, if there occurs a Termination of Employment of an
Optionee without Cause (as hereinafter defined) and not at the volition of the
Optionee for any reason other than the death or Disability of the Optionee, then
any Stock Option held by such Optionee to the extent exercisable may be
exercised until the end of the shorter period of (A) three months and one day
from the date of such Termination of Employment and (B) the balance of the term
of such Stock Option. Unless otherwise determined by the Committee, for the
purposes of this Plan "Cause" shall have the same meaning as that set forth in
any employment or severance agreement in effect between the Company and a
Participant. Otherwise, it shall mean the conviction of the Optionee for
committing a felony under federal law or the law of the state in which such
action occurred, dishonesty in the course of fulfilling the Optionee's
employment duties or willful and deliberate failure on the part of the Optionee
to perform his employment duties in any material respect.

         (x)      CASHING OUT OF OPTION. On receipt by the Company of written
notice of exercise of a Stock Option, the Committee may, in its sole discretion,

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elect to cash out all or part of any Stock Option to be exercised by paying the
Optionee an amount, in cash or Common Stock, equal to the excess of the Fair
Market Value of the Common Stock that is the subject of the Stock Option over
the Exercise Price times the number of shares of Common Stock subject to the
option on the effective date of such cash out.

         9.       STOCK APPRECIATION RIGHTS.

         (a)      GRANT AND EXERCISE. Stock Appreciation Rights may be granted
in conjunction with all or part of any Stock Option granted under the Plan. In
the case of a Non-Qualified Stock Option, such rights may be granted either at
or after the time of grant of such Stock Option. In the case of an Incentive
Stock Option, such rights may be granted only at the time of grant of such Stock
Option. A Stock Appreciation Right shall terminate and no longer be exercisable
upon the termination or exercise of the related Stock Option. A Stock
Appreciation Right may be exercised by an Optionee in accordance with Section
9(b) by surrendering the applicable portion of the related Stock Option in
accordance with procedures established by the Committee. Upon such exercise and
surrender, the Optionee shall be entitled to receive an amount determined in the
manner prescribed in Section 9(b). Stock Options which have been so surrendered
shall no longer be exercisable to the extent the related Stock Appreciation
Rights have been exercised.

         (b)      TERMS AND CONDITIONS. Stock Appreciation Rights shall be
subject to such terms and conditions as shall be determined by the Committee,
including the following:

         (i)      Stock Appreciation Rights shall be exercisable only at such
time or times and to the extent that the Stock Options to which they relate are
exercisable in accordance with the provisions of Section 8 and this Section 9 or
as may otherwise be determined by the Committee.

         (ii)     Upon the exercise of a Stock Appreciation Right, an Optionee
shall be entitled to receive an amount in cash, shares of Common Stock or both,
in each case equal in value to (A) the excess of the Fair Market Value of one
share of Common Stock over the Exercise Price of the related Stock Option
multiplied by (B) the number of shares in respect of which the Stock
Appreciation Right shall have been exercised, with the Committee having the
right, in its sole discretion, to determine the form of payment.

         (iii)    Stock Appreciation Rights shall be transferable only when and
to the extent that the underlying Stock Option would be transferable under
Section 8(e).

         (iv)     Upon the exercise of a Stock Appreciation Right, the Stock
Option or part thereof to which such Stock Appreciation Right is related shall
be deemed to have been exercised for the purpose of determining the number of
shares of Common Stock available for issuance under the Plan in accordance with
Section 5, but only to the extent of the number of shares resulting from
dividing (A) the value of the Stock Appreciation Right at the time of exercise
by (B) the Fair Market Value of one share of Common Stock.

         10.      RESTRICTED STOCK AWARDS. Subject to and consistent with the
provisions of the Plan, with respect to each Award of Restricted Stock to a
Participant, the Committee shall determine:

         (a)      the form, terms and conditions of the Restricted Stock
Agreement between the Company and the Participant evidencing the Award;

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<PAGE>

         (b)      the Restricted Period for all or a portion of the Award;

         (c)      the Restrictions applicable to the Award, including, without
limitation, continuous employment with the Company for a specified term or the
attainment of specific corporate, divisional or individual performance standards
or goals, which Restricted Period and Restrictions may differ with respect to
each Participant;

         (d)      whether the Participant shall be paid dividends or other
distributions in respect of any Restricted Stock as such may be declared and
paid during the Restricted Period by the Company to the holders of Common Stock
that is not Restricted Stock, or whether such shall be withheld by the Company
for the account of the Participant until the Restricted Periods have expired or
the Restrictions have been satisfied, and if so withheld, whether and at what
rate interest shall be paid on such dividends and other distributions;

         (e)      the percentage of the Award which shall vest in the
Participant in the event of death, Disability or Retirement prior to the
expiration of the Restricted Period or the satisfaction of the Restrictions
applicable to an award of Restricted Stock; and

         (f)      notwithstanding the Restricted Period and the Restrictions
imposed on the Restricted Shares as set forth in a Restricted Stock Agreement,
whether to shorten the Restricted Period or waive any Restrictions, if the
Committee concludes that it is in the best interests of the Company to do so.

         Upon an award of Restricted Stock to a Participant, the stock
certificate representing the Restricted Stock shall be issued and transferred to
and in the name of the Participant, whereupon the Participant shall become a
stockholder of the Company with respect to such Restricted Stock and shall be
entitled to vote the Restricted Stock. Such stock certificates shall be held in
custody by the Company, together with stock powers executed by the Participant
in favor of the Company, until the Restricted Period expires and the
Restrictions imposed on the Restricted Stock are satisfied.

         11.      CHANGE OF CONTROL.

         (a)      With respect to any and all Awards, upon the occurrence of a
Change of Control (as hereinafter defined), the following shall result (together
with any additional provisions as the Committee may determine at the time of
grant of any given Award with respect to such Award):

         (i)      any and all outstanding Options shall become immediately
exercisable;

         (ii)     the Restricted Period and Restrictions imposed on Restricted
Stock shall lapse, and the Restricted Stock shall vest in the Participant to the
extent determined by the Committee; and

         (iii)    within fifteen (15) business days after the occurrence of a
Change of Control, the certificates representing any vested Restricted Stock,
without any restrictions or legend thereon, other than as required by law, shall
be delivered to the Participant, and any dividends and distributions paid with
respect to the Restricted Stock which were escrowed during the Restricted Period
and any earnings thereon shall be paid to any Participant.

                                        9
<PAGE>

         (b)      A "CHANGE OF CONTROL" shall occur when, in addition to the
occurrence of such other events as the Committee may determine at the time of
the grant of an Award, one or more of the following events occurs subsequent to
the Effective Date:

         (i)      any person or group (as such terms are defined in Sections
13(d) or 14(d)(2) of the Exchange Act) becomes, without the approval of a
majority of the Continuing Directors (as hereinafter defined), the Beneficial
Owner (as hereinafter defined), directly or indirectly, of Voting Stock (as
hereinafter defined) representing twenty percent (20%) or more of the then
outstanding Voting Stock; or

         (ii)     the approval by the stockholders of (A) any agreement or plan
of consolidation or merger in which the Company is not the continuing or
surviving entity, or pursuant to which shares of Common Stock would be converted
into cash, securities or other property (other than a merger in which the
holders of Common Stock immediately prior to the consummation of such merger
have their same respective proportion and ownership of common stock of the
surviving entity after consummation of such merger), (B) any sale, lease,
exchange or other transfer in one or more transactions or series of transactions
of all or substantially all of the Company's assets, (C) the liquidation of the
Company or (D) the disposal of the business (by whatever manner effected) of the
Company for which the Participant principally performs his, her or its services;
or

         (iii)    the individuals who are Continuing Directors of the Company
cease, without the approval of a majority of the Continuing Directors, for any
reason to constitute at least a majority of the Board.

         (c)      For purposes of this Section 11, the term "CONTINUING
DIRECTOR" means (i) any member of the Board who is a member of the Board as of
the Effective Date, or (ii) any person who subsequently becomes a member of the
Board whose election or nomination for election to the Board is recommended or
approved by a two-thirds majority of the Continuing Directors; the term "VOTING
STOCK" means all capital stock of the Company which by its terms may be voted on
all matters submitted to stockholders of the Company generally; and the term
"BENEFICIAL OWNER" shall have the meaning ascribed to such term in Rule 13d-3 of
the Exchange Act.

         12.      AMENDMENTS AND TERMINATION.

         (a)      The Board may amend, alter, or discontinue the Plan, but no
amendment, alteration or discontinuation shall be made which would (i) impair
the rights of a Participant with respect to an Award theretofore granted without
the Participant's consent, except such an amendment made to cause the Plan to
qualify for the exemption provided by Rule 16b-3, or (ii) disqualify the Plan
from the exemption provided by Rule 16b-3. In addition, no such amendment shall
be made without the approval of the Company's stockholders to the extent such
approval is required by law or agreement.

         (b)      The Committee may amend the terms of any Award and any Option
Agreement or similar agreement pertaining to an Award, prospectively or
retroactively, but no such amendment shall (i) impair the rights of any
Participant with respect to an Award theretofore granted without such
Participant's consent, except such an amendment made to cause the Plan or such
Award to qualify for the exemption provided by Rule 16b-3, or (ii) disqualify

                                       10
<PAGE>

the Plan or such Award from the exemption provided by 16b-3. In addition, no
such amendment shall be made without the approval of the Participant affected to
the extent such approval is required by law or agreement. The Committee may also
substitute new Stock Options for previously granted Stock Options, including
previously granted Stock Options having higher Exercise Prices.

         (c)      Subject to the above provisions, the Board shall have
authority to amend the Plan to take into account changes in law and in tax and
accounting rules, as well as other developments and to grant Awards which
qualify for beneficial treatment under such rules without shareholder approval.

         13.      GENERAL PROVISIONS.

         (a)      Nothing contained in the Plan shall prevent the Company or an
Affiliate from adopting other or additional compensation arrangements for its
employees.

         (b)      The Plan shall not confer upon (i) any employee any right to
an Award hereunder or to continued employment or (ii) any Participant who is not
an employee any right to employment or to a continued relationship of the sort
by virtue of which such Participant became eligible to receive Awards pursuant
to Section 6 hereof. This Plan shall not be construed in such a way as to divest
the Company or any Affiliate of its or their rights to terminate the employment
of any employee at any time.

         (c)      No later than the date as of which an amount first becomes
includible in the gross income of a Participant for federal income tax purposes
with respect to any Award, the Participant shall pay to the Company, or make
arrangements satisfactory to the Company regarding the payment of, any federal,
state, local or foreign taxes of any kind required by law to be withheld with
respect to such amount. Unless otherwise determined by the Company, withholding
obligations may be settled with Common Stock, including Common Stock that is
part of the Award that gives rise to the withholding requirement. The
obligations of the Company under the Plan shall be conditioned upon such payment
or arrangements, and the Company and its Affiliates shall, to the extent
permitted by law, have the right to deduct any such taxes from any payment
otherwise due to the participant.

         (d)      The Committee shall establish such procedures as it deems
appropriate for a Participant to designate a beneficiary to whom any amounts
payable in the event of such Participant's death are to be paid.

         (e)      Agreements entered into by and between the Company and any
Participant relating to Awards, in such form as may be approved by the Committee
from time to time, to the extent consistent with or permitted by the Plan, shall
control with respect to the terms and conditions of the subject Award. If any
provisions of the Plan or any agreement entered into pursuant to the Plan shall
be held invalid or unenforceable, such invalidity or unenforceability shall not
affect any other provisions of the Plan or the subject agreement.

         (f)      The Plan and all Awards made and actions taken hereunder and
thereunder shall be governed by and construed in accordance with the laws of the
State of Delaware.

                                       11
<PAGE>

         By signature below, the undersigned officers of the Company hereby
certify that the foregoing is a true and correct copy of the 2000 Stock Option
Plan of the Company.

DATED: July ___, 2002

                                       MONEYZONE.COM, INC.

                                       By /s/ RAYMOND A. BILLS
                                          --------------------------------------
                                          Raymond A. Bills, Authorized Officer

(SEAL)

By /s/ JOHN SHAFFER
   --------------------------------------
   John Shaffer, Secretary

                                       12

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